3. List of often seen payment statuses
3. List of often seen payment statuses
Q: Why is payment “cancelled” after initiation?
A: This happens if the BankID/SCA (Strong Customer Authentication) times out.
Q: Why was the initiated payment cancelled before execution?
A: The payment was manually cancelled before the execution date.
By manually we mean by customer/user, not via API. Ask the customer if they did any changes to the transaction in either ERP or online nettbank. Cancellations done to transactions in online nettbank will stop the transaction and thus set status in ERP to cancelled.
If this was a mistake, imitate payment again.
Q: What does “Funding rejected or cancelled” mean?
A: There are insufficient funds in the sender’s account. Tell customer to check that there is available funds on the account they are initiating payments from.
Q: Why do we get the error “duplicate payment found at bank”?
A: This happens if the same transaction is initiated within one minute.
Please note that not all banks have implemented this logic.
Q: What does “Payment is rejected due to another rejected payment in the basket” mean?
A: One payment in a basket with several payments have failed, causing the whole basket to fail. Identify and correct the failed transaction or remove it from the basket.
This will not be an issue in ZTL V2 API.
Q: If the customer changes the name of their company, can this cause rejections in payments?
A: No, updating company name in Brreg doesn’t affect payments initiated via ZTL.
Q: What does it mean if the error message says “Service at the bank is unavailable at the moment”?
A: The bank may be experiencing downtime or unforeseen technical incidents.
These errors usually resolves within a short period of time and user should try again after a little while.
Q: What does “purpose code is missing or invalid” mean?
A: This happens when payments are made from the wrong account type (e.g., operating account instead of tax account). Use the correct purpose code, like “TAXS” for tax payments. Check logic with developers in API.
Q: Why am I getting an “invalid payment request sent to the bank” error?
A: This message requires further investigation by ZTL. Possible reasons include:
• Insufficient funds
• Expired consent
• Account access issues
• Exceeding transaction limits
Q: What does “amount exceeds the transaction limit on the account” mean?
A: The payment exceeds your bank’s limit. You may need to adjust your account’s limit settings in online banking.
Q: What does “consent expired” mean?
A: User's consent has expired. Renew consent and retry the payment. If the error persists, contact ZTL support.
Q: What does “creditor country/name/address/account is either missing or invalid” mean?
A: This can happen when trying to send NOK internationally. Ensure creditor information includes a valid IBAN and correct information.
Q: What does “OCR agreement is missing or invalid” mean?
A: The recipient does not have a valid OCR agreement. Verify with the recipient’s bank.
Q: Why is a customer getting an “OCR error” message?
A: Ensure the correct KID is used and that the recipient has an active OCR agreement with their bank. Also, check if the payment is initiated with KID MOD10 or MOD11.
Q: What does “remittance information reference is missing or invalid” mean?
A: The KID (payment reference) is incorrect or missing. Ensure the correct KID is used.
Q: What does “PSU does not have access to the account” mean?
A: The person initiating the payment doesn’t have the required account access. Contact the account administrator to update access in bank settings.
Q: What does "AuthorizationRequired" mean?
A: This means that PSU has not signed the payment and needs to do so before transaction is processed further. It can also mean that transaction requires multiple signing and that second verifier needs to sign to process transaction fully.
Technical Errors & Troubleshooting
400 Errors (Invalid Request)
Service Unavailable: Temporary bank/vendor issue. Wait and retry.
Access Denied: User lacks account access. Contact the bank.
ASPSP Error: General bank error. ZTL will investigate.
500 Errors (Server Issues)
Internal Server Error: Report to ZTL support.
Service Unavailable: Bank’s system may be down. ZTL will escalate.
Need more help?
Contact ZTL support team at support@ztlpay.io or submit a ticket with:
V1: FlowID (for developers via API)
V2: ZTL Request ID
Transaction amount
Transaction timestamp
Customer organization number & name
ZTL is continuously working with aggregator to improve error messages for a better user experience and we highly appreciate user feedback to improve our products together with our partners.