Geography: This article is applicable for ANZ Transactive - Global customers banking in Australia and New Zealand.
Full details are available in Features by Geography.
Full details are available in Features by Geography.
Do I need to complete KYC to approve a direct debit in ANZ Transactive - Global?
It is a requirement that security device approvers must have Know Your Customer (KYC) information registered with ANZ to approve payments and direct debits. For more information, please refer to Digital Services Security Features.
What are the returned items reason codes for a Direct Debit?
A Direct Debit initiated by You may be returned unpaid for any of the following reasons and the applicable treatment that must be adhered to:
| RETURN CODE | RETURN REASON | ACTION REQUIRED |
| 1 | Invalid BSB Number | The BSB number should be checked and if found correct in Your database, You should contact Your Customer to confirm and validate. |
| 2 | Payment Stopped | Should not be re-debited and Your Customer contacted. |
| 3 | Account Closed | Should not be re-debited and Your Customer contacted. |
| 4 | Customer Deceased | Should not be re-debited and Your Customer's next of kin or their Financial Institution should be contacted. |
| 5 | No account or incorrect account number | The BSB and account details should be checked and if found correct in Your database, You should contact Your Customer to confirm and validate. |
| 6 | Refer to Customer | Can be re-debited and if further returned with this code Your Customer should then be contacted. |
| 8 | Invalid User ID Number | You should re-check Your direct entry User ID being used to initiate payment and if correct contact ANZ to enquire on their behalf. |
| 9 | Technically Invalid | The account cannot be debited electronically, and Your Customer should be contacted to seek a different account to debit. The debit should not be re-applied to the original account provided. |