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Mandate Events

Event types and causes for mandate resources.

Created#

The mandate has been created.

apimandate_created

Mandate created via the API.

gocardlessmandate_created

Mandate created by a bulk change

Customer Approval Granted#

The mandate required additional approval from the customer (e.g. permission from a second signatory), and that approval has been granted.

customercustomer_approval_granted

The customer has granted approval for this mandate

Customer Approval Skipped#

The mandate originally was believed to require additional approval from the customer (e.g. permission from a second signatory), but approval has been skipped (for example because the mandate was erroneously marked as needing a second signature).

customercustomer_approval_skipped

The customer has skipped approval for this mandate

Active#

The mandate has been successfully set up by the customer’s bank.

gocardlessmandate_activated

The time window after submission for the banks to refuse a mandate has ended without any errors being received, so this mandate is now active.

bankmandate_activated

The customer's bank has confirmed that this mandate has been activated.

Cancelled#

The mandate has been cancelled, either by the customer through their bank or this API, or automatically when their bank account is closed.

bankbank_account_closed

This bank account has been closed as the customer is deceased.

SchemeachReason codesACH_RETURN-R14ACH_RETURN-R15
bankbank_account_closed

The bank account for this mandate has been closed.

SchemeachReason codesACH_RETURN-R02ACH_RETURN-R12
bankmandate_cancelled

The mandate was cancelled at a bank branch.

SchemeachReason codesACH_RETURN-R07
bankauthorisation_disputed

The customer disputes having authorised you to set up a mandate with them.

SchemeachReason codesACH_RETURN-R05ACH_RETURN-R06ACH_RETURN-R08ACH_RETURN-R10ACH_RETURN-R11ACH_RETURN-R29ACH_RETURN-R31ACH_RETURN-R51
bankinvalid_bank_details

The specified bank account does not exist or was closed.

SchemeachReason codesACH_RETURN-R03ACH_RETURN-R04ACH_RETURN-R13ACH_RETURN-R28ACH_RETURN-R82
bankdirect_debit_not_enabled

The bank account does not support Direct Debit.

SchemeachReason codesACH_RETURN-R16ACH_RETURN-R34
bankrefer_to_payer

This mandate has been cancelled because a payment under it failed.

SchemeachReason codesACH_RETURN-R05ACH_RETURN-R06ACH_RETURN-R08ACH_RETURN-R16ACH_RETURN-R20ACH_RETURN-R29ACH_RETURN-R26
bankreturn_on_odfi_request

mandate_cancelled_because_payment_charged_back

SchemeachReason codesACH_RETURN-R06
apimandate_cancelled

The mandate was cancelled at your request.

apibank_account_closed

The customer's account was disabled at your request.

bankmandate_cancelled

The mandate was cancelled at a bank branch.

SchemebacsReason codesADDACS-0ADDACS-1
bankbank_account_closed

This bank account has been closed as the customer is deceased.

SchemebacsReason codesADDACS-2
bankbank_account_transferred

The customer's bank account was transferred to a different bank or building society.

SchemebacsReason codesADDACS-3ADDACS-CADDACS-E
bankbank_account_closed

The customer's account was closed at their bank.

SchemebacsReason codesADDACS-B
bankauthorisation_disputed

The customer has disputed the amount of notice specified on the mandate via their bank.

SchemebacsReason codesADDACS-D
bankmandate_cancelled

The mandate was cancelled at a bank branch.

SchemebacsReason codesARUDD-1
bankbank_account_closed

This mandate has been cancelled, because a payment against it indicated that the customer is deceased.

SchemebacsReason codesARUDD-2
bankbank_account_closed

The bank account for this mandate has been closed.

SchemebacsReason codesARUDD-B
bankrefer_to_payer

This mandate has been cancelled because a payment under it failed.

SchemebacsReason codesARUDD-6
bankauthorisation_disputed

The customer claims that they asked you to cancel their mandate before you took the payment.

SchemebacsReason codesDDICA-4
bankauthorisation_disputed

The customer disputes having authorised you to set up a mandate with them.

SchemebacsReason codesDDICA-5DDICA-6DDICA-8
bankinvalid_bank_details

The bank account specified does not exist. Any subscriptions and pending payments will also be cancelled.

Schemesepa_coreReason codesAC01BE06
bankbank_account_closed

The bank account for this mandate has been closed. Any subscriptions and pending payment will also be cancelled.

Schemesepa_coreReason codesAC04
bankdirect_debit_not_enabled

The bank account for this mandate does not support SEPA direct debit. Any subscriptions and pending payments will also be cancelled.

Schemesepa_coreReason codesAG01AC06
bankaccount_blocked_for_any_financial_transaction

The bank account for this mandate was blocked. Any subscriptions and pending payments will also be cancelled.

Schemesepa_coreReason codesAC06
bankmandate_cancelled

A payment under this mandate failed, indicating that the mandate has been cancelled at the customer's bank. Any subscriptions and pending payments will also be cancelled.

Schemesepa_coreReason codesMD01
bankbank_account_closed

This mandate has been cancelled because the customer is deceased.

Schemesepa_coreReason codesMD07
bankmandate_cancelled

This mandate was cancelled by the customer or their bank.

SchemebetalingsserviceReason codesMANDATE_INFORMATION-0232MANDATE_INFORMATION-0233MANDATE_INFORMATION-0234
bankmandate_cancelled

This mandate was cancelled by the customer or their bank.

SchemebetalingsserviceReason codesINFORMATION_LIST-0257
bankdirect_debit_not_enabled

The bank account does not support Direct Debit.

SchemebecsReason codes2
bankpayment_stopped

The payment was stopped by the payer or their bank.

SchemebecsReason codes2
bankother

This mandate has been cancelled because a payment under it failed.

SchemebecsReason codes2
bankbank_account_closed

The bank account for this mandate has been closed.

SchemebecsReason codes3
bankbank_account_closed

This bank account has been closed as the customer is deceased.

SchemebecsReason codes4
bankauthorisation_disputed

The customer disputes having authorised you to set up a mandate with them.

SchemebecsReason codesUDUNAUT
bankmandate_cancelled

This mandate was cancelled by the customer or their bank.

SchemebecsReason codesCBC
bankinvalid_bank_details

The bank account specified does not exist.

SchemebecsReason codesRC02
bankauthorisation_disputed

The customer disputes having authorised you to set up a mandate with them.

SchemebecsReason codesMD01
bankbank_account_closed

The customer's account was closed at their bank.

SchemebecsReason codesAC04
bankbank_account_closed

This bank account has been closed as the customer is deceased.

SchemebecsReason codesMD07
bankinvalid_bank_details

The bank account specified does not exist. Any subscriptions and pending payments will also be cancelled.

SchemebecsReason codesAC01
bankrefer_to_payer

There was an internal error processing this mandate.

SchemebecsReason codesNARR
bankmandate_cancelled

This mandate was cancelled by the customer or their bank.

Schemepay_toReason codesMD16MS02
bankmandate_cancelled

The mandate was cancelled at your request.

Schemepay_toReason codesMD17
bankmandate_cancelled

The mandate has been cancelled due to fraud.

Schemepay_toReason codesMD21
bankmandate_cancelled

The mandate has been suspended.

Schemepay_toReason codesMSUCMCFCMCOC
bankrefer_to_payer

This mandate was cancelled by the customer or their bank.

Schemepay_toReason codesUNKN
bankinvalid_bank_details

This mandate was cancelled due to a Notification of Change indicating the customer's account number or branch number was incorrect, please contact the customer.

Schemepay_toReason codesAC02
bankother

The account associated with the customer's mandate is blocked.

Schemepay_toReason codesAC06
bankinvalid_bank_details

This mandate was cancelled due to a Notification of Change indicating the customer's selected account type was incorrect, please contact the customer.

Schemepay_toReason codesAC13
bankbank_account_closed

The customer's account was closed at their bank.

Schemepay_toReason codesAC04AC05
bankbank_account_closed

This mandate has been cancelled because the customer is deceased.

Schemepay_toReason codesMD07
bankother

The customer's account is not permitted to send funds to the beneficiary.

Schemepay_toReason codesSL11SL12
bankbank_account_closed

The customer's account was closed at their bank.

Schemebecs_nzReason codesDISHONOUR-AC04
bankinvalid_bank_details

The bank account specified does not exist. Any subscriptions and pending payments will also be cancelled.

Schemebecs_nzReason codesDISHONOUR-AC05NEGATIVE_ACKNOWLEDGEMENT-AC05
bankbank_account_closed

The customer's account was closed at their bank.

SchemepadReason codesPAYMENT_STATUS_REPORT-905
bankbank_account_closed

This bank account has been closed as the customer is deceased.

SchemepadReason codesPAYMENT_STATUS_REPORT-910
bankauthorisation_disputed

The customer disputes having authorised you to set up a mandate with them.

SchemepadReason codesPAYMENT_STATUS_REPORT-915
bankmandate_cancelled

This mandate was cancelled by the customer or their bank.

SchemepadReason codesPAYMENT_STATUS_REPORT-917PAYMENT_STATUS_REPORT-920
bankinvalid_bank_details

The specified bank account does not exist or was closed.

SchemepadReason codesPAYMENT_STATUS_REPORT-0518PAYMENT_STATUS_REPORT-0567
bankmandate_cancelled

This mandate was cancelled by the customer or their bank.

Schemefaster_paymentsReason codesPAYER_MANDATE_CANCELLED
bankmandate_cancelled

This mandate was cancelled by the bank.

Schemefaster_paymentsReason codesMANDATE_CANCELLED_BY_BANK
bankmandate_cancelled

This mandate was cancelled because the bank account has transitioned to an inactive state.

Schemefaster_paymentsReason codesFAILED_ELIGIBILITY_CHECK
gocardlessmandate_cancelled

The mandate was cancelled at your request.

Schemefaster_paymentsReason codesMERCHANT_MANDATE_CANCELLED
gocardlessinitial_one_off_payment_failed

This mandate has been cancelled because the initial faster payment failed

Failed#

The mandate could not be set up, generally because the specified bank account does not accept Direct Debit payments or is closed.

bankbank_account_closed

This bank account has been closed as the customer is deceased.

SchemeachReason codesACH_RETURN-R14ACH_RETURN-R15
bankrefer_to_payer

This mandate was cancelled due to a Notification of Change indicating the customer's account number or branch number was incorrect, please contact the customer.

SchemeachReason codesACH_RETURN-C01ACH_RETURN-C02ACH_RETURN-C03ACH_RETURN-C06ACH_RETURN-C07NOTIFICATION_OF_CHANGE-C01NOTIFICATION_OF_CHANGE-C02NOTIFICATION_OF_CHANGE-C03NOTIFICATION_OF_CHANGE-C06NOTIFICATION_OF_CHANGE-C07NOTIFICATION_OF_CHANGE-C08NOTIFICATION_OF_CHANGE-C09
bankrefer_to_payer

This mandate was cancelled due to a Notification of Change indicating the customer's selected account type was incorrect, please contact the customer.

SchemeachReason codesACH_RETURN-C05NOTIFICATION_OF_CHANGE-C05
bankbank_account_closed

The bank account for this mandate has been closed.

SchemeachReason codesACH_RETURN-R02ACH_RETURN-R12
bankmandate_cancelled

The mandate was already cancelled.

SchemeachReason codesACH_RETURN-R07
bankauthorisation_disputed

The mandate was already cancelled.

SchemeachReason codesACH_RETURN-R07ACH_RETURN-R10ACH_RETURN-R29ACH_RETURN-R51
bankinvalid_bank_details

The specified bank account does not exist or was closed.

SchemeachReason codesACH_RETURN-R03ACH_RETURN-R04ACH_RETURN-R13ACH_RETURN-R28ACH_RETURN-R82
bankdirect_debit_not_enabled

The bank account does not support Direct Debit.

SchemeachReason codesACH_RETURN-R16ACH_RETURN-R20ACH_RETURN-R34
bankrefer_to_payer

This mandate has been cancelled because a payment under it failed.

SchemeachReason codesACH_RETURN-R05ACH_RETURN-R06ACH_RETURN-R08ACH_RETURN-R16ACH_RETURN-R20ACH_RETURN-R29ACH_RETURN-R31ACH_RETURN-R26
bankother

This mandate has been cancelled because a payment under it failed.

SchemeachReason codesACH_RETURN-R85
bankreturn_on_odfi_request

The mandate has been cancelled because a payment under it was charged back.

SchemeachReason codesACH_RETURN-R06
bankauthorisation_disputed

The customer disputes having authorised you to set up a mandate with them.

SchemeachReason codesACH_RETURN-R05ACH_RETURN-R08ACH_RETURN-R11
bankinvalid_bank_details

The specified bank account does not exist or was closed.

SchemebacsReason codesARUDD-5ARUDD-YARUDD-E
bankrefer_to_payer

This mandate has been cancelled because a payment under it failed.

SchemebacsReason codesARUDD-6
bankbank_account_closed

The bank account for this mandate has been closed as the customer is deceased.

SchemebacsReason codesAUDDIS-2
bankinvalid_bank_details

The specified bank account does not exist or was closed.

SchemebacsReason codesAUDDIS-5
bankbank_account_closed

The customer's account was closed at their bank.

SchemebacsReason codesAUDDIS-B
bankdirect_debit_not_enabled

The bank account does not support Direct Debit.

SchemebacsReason codesAUDDIS-FAUDDIS-GAUDDIS-N
bankbank_account_transferred

The customer's bank account was transferred to a different bank or building society.

SchemebacsReason codesAUDDIS-3AUDDIS-C
bankinvalid_bank_details

The bank account specified does not exist.

SchemebecsReason codes15
bankdirect_debit_not_enabled

The bank account does not support Direct Debit.

SchemebecsReason codes2
bankpayment_stopped

The payment was stopped by the payer or their bank.

SchemebecsReason codes2
bankinvalid_bank_details

The bank account specified does not exist. Any subscriptions and pending payments will also be cancelled.

SchemebecsReason codesDEN
bankother

There was an internal error processing this mandate.

SchemebecsReason codes789
bankinvalid_bank_details

The bank account specified does not exist.

SchemebecsReason codesRC02
bankauthorisation_disputed

The customer disputes having authorised you to set up a mandate with them.

SchemebecsReason codesMD01
bankbank_account_closed

The customer's account was closed at their bank.

SchemebecsReason codesAC04
bankbank_account_closed

This bank account has been closed as the customer is deceased.

SchemebecsReason codesMD07
bankinvalid_bank_details

The bank account specified does not exist. Any subscriptions and pending payments will also be cancelled.

SchemebecsReason codesAC01
bankrefer_to_payer

There was an internal error processing this mandate.

SchemebecsReason codesNARR
bankmandate_cancelled

The mandate has expired.

Schemepay_toReason codesMD20
bankrefer_to_payer

There was an internal error processing this mandate.

Schemepay_toReason codesNARRUNKN
bankinvalid_bank_details

The bank account specified does not exist. Any subscriptions and pending payments will also be cancelled.

Schemebecs_nzReason codesDISHONOUR-AC05NEGATIVE_ACKNOWLEDGEMENT-AC05
bankbank_account_closed

The customer's account was closed at their bank.

Schemebecs_nzReason codesDISHONOUR-AC04
bankinvalid_bank_details

The customer's bank account was transferred to a different bank or building society.

Schemebecs_nzReason codesDISHONOUR-AC03
bankmandate_cancelled

This mandate was cancelled by the customer or their bank.

Schemebecs_nzReason codesDISHONOUR-AG01
bankother

The customer disputes having authorised you to set up a mandate with them.

Schemebecs_nzReason codesDISHONOUR-BE05
bankrefer_to_payer

This mandate has been cancelled because a payment under it failed.

Schemebecs_nzReason codesDISHONOUR-AM04DISHONOUR-MS01
bankinvalid_bank_details

The specified bank account does not exist or was closed.

SchemepadReason codesPAYMENT_STATUS_REPORT-900PAYMENT_STATUS_REPORT-902PAYMENT_STATUS_REPORT-912PAYMENT_STATUS_REPORT-1023PAYMENT_STATUS_REPORT-2014PAYMENT_STATUS_REPORT-2017PAYMENT_STATUS_REPORT-2018PAYMENT_STATUS_REPORT-2019PAYMENT_STATUS_REPORT-2020PAYMENT_STATUS_REPORT-2034PAYMENT_STATUS_REPORT-0518PAYMENT_STATUS_REPORT-0567PAYMENT_STATUS_REPORT-0573
bankbank_account_closed

The customer's account was closed at their bank.

SchemepadReason codesPAYMENT_STATUS_REPORT-905
bankbank_account_closed

This bank account has been closed as the customer is deceased.

SchemepadReason codesPAYMENT_STATUS_REPORT-910
bankrefer_to_payer

The account holder name may be different than that associated with the electronic transaction to run.

SchemepadReason codesPAYMENT_STATUS_REPORT-914
bankinvalid_bank_details

The bank account specified does not exist. Any subscriptions and pending payments will also be cancelled.

Schemesepa_coreReason codesAC01

Transferred#

The mandate has been transferred to a different bank account either using a bank switching service (where it is supported) or with help from GoCardless Support when a customer asks to change their bank account (we can make the switch after verifying the details). The event will include links[previous_customer_bank_account] and links[new_customer_bank_account]. When using a bank switching service, the mandate may have been submitted again, depending on how the involved banks handled the transfer.

bankbank_account_transferred

The customer's bank account was transferred to a different bank or building society.

bankbank_account_transferred

The customer's bank account was transferred to a different bank or building society.

bankbank_account_transferred

The customer's bank account was transferred to a different bank or building society.

apimandate_transferred

This mandate was transferred to a new bank account through GoCardless.

Expired#

No collection attempts were made against the mandate within the dormancy period of your service user number. As a result it has expired, and no further collections can be taken against it. If you wish to continue taking payments from this customer you should request their permission and use the reinstate endpoint.

gocardlessmandate_expired

The mandate is being marked as expired, because no payments have been collected against it for the dormancy period of your service user number. If you have access to the mandate reinstation API endpoint, you can use this to attempt to set this mandate up again.

bankmandate_cancelled

This mandate was cancelled by the customer or their bank.

gocardlessmandate_cancelled

The mandate has expired.

Submitted#

The mandate has been submitted to the banks, and should become active in a few days, unless the bank declines the request.

gocardlessmandate_submitted

The mandate has been submitted to the banks.

bankbank_account_transferred

The customer's bank account was transferred to a different bank or building society.

bankbank_account_transferred

The customer's bank account was transferred to a different bank or building society.

Resubmission Requested#

A request to resubmit the mandate was made by the mandate reinstate endpoint.

apiresubmission_requested

An attempt to reinstate this mandate was requested.

bankbank_account_transferred

The customer's bank account was transferred to a different bank or building society.

bankbank_account_transferred

The customer's bank account was transferred to a different bank or building society.

Reinstated#

The mandate has become active again, after it was cancelled or expired. This can be due to the customer's bank wishing to undo a cancellation or expiry notice they sent, or because the mandate was successfully reinstated via the reinstate endpoint.

gocardlessmandate_reinstated

The time window after submission for the banks to refuse a mandate has ended without any errors being received, so this mandate is now active.

bankmandate_reinstated

A cancelled mandate has been re-instated by the customer's bank.

Replaced#

The mandate has been cancelled and replaced by a new mandate (for example, because the creditor has moved to a new Service User Number). The event will include links[new_mandate] with the ID of the new mandate.

gocardlessscheme_identifier_changed

The creditor has changed to a different scheme identifier, so this mandate has been cancelled and replaced by a new one.

Consumed#

The mandate has been used to create a payment, and has now been consumed. It cannot be used again.

gocardlessmandate_consumed

The mandate has been used to create a payment, and has now been consumed. It cannot be used again.

Blocked#

The mandate has been blocked because the customer's details matched against an entry in either our global blocklist or the blocklist populated by you. This mandate cannot be unblocked and no payments can be created against it. If you still wish to collect payments from this customer, you will need to remove their details from any blocks you have created and ask them to set up a new mandate. If you contacted GoCardless to block the customer's details, you will need to make a request to unblock them.

gocardlessmandate_blocked

The mandate has been blocked because the customer's details matched against an entry in the blocklist populated by you.

gocardlessmandate_blocked_by_gocardless

The mandate has been blocked because the customer's details matched against an entry in our global blocklist.