This guide lists reasons why paying purchase invoices may not succeed or why you receive error feedback from the payments you send.

We inform about current disruptions related to payments in the Community. 

You can check error feedback for payments by selecting Purchases > Payments > Bank traffic view or by opening the view from the Bank traffic view help article. Errors are also reported to the payer via email and text message to the contact information entered in the user's own details.

CONTENTS

Reasons why payment is unsuccessful

Insufficient funds

The bank returns the payment material with the error "Insufficient funds" if the account from which the invoice is debited does not have sufficient funds on the payment date.

  1. Check that the account from which the invoice is debited has sufficient funds on the payment date.
  2. Transfer funds to the debited account if necessary.
  3. Open the handling payments stuck in error guide.
  4. Follow the instructions and handle the payment that was returned with an error.

Missing payments traffic agreement/authorisation

Payments are returned with an error if no payments traffic agreement has been made with the bank for the account from which the payment is debited.

  1. Open the payments traffic agreement help article.
  2. Make a payments traffic agreement with the bank according to the instructions opened from the link.
  3. Confirm with the bank that the agreement is valid.
  4. Open the handling payments stuck in error guide.
  5. Resubmit the materials for payment by following the guide.

Incorrect service ID/payment ID

The service ID/payment ID is formed in Netvisor by default from the company's own business ID with leading zeros, for example 1234567-8 -> 012345678. If some other ID has been formed in the bank, the payment ID does not match the bank's information.

  1. Select bank account management and open the relevant account in edit mode.
  2. Select from the list the correct service ID/payment ID used in the bank, if it is available.
  3. Contact customer support if the correct payment ID is not found in the menu.
  4. Provide customer support with the correct payment ID so that it can be changed in the account information.

Incorrect recipient account details

The payment will not succeed if the recipient account details are incorrect, and you will receive feedback about incorrect recipient account details.

  1. Open the supplier's bank account details.
  2. Correct the recipient account details in the supplier's bank account details.
  3. Save the changes so that the information is updated for all open purchase invoices of the supplier.
  4. Check that the invoices return to the verified status.
  5. Approve the invoice.
  6. Resubmit the invoice for payment.

Bank-imposed restrictions on recipient details

Bank-imposed restrictions on recipient details can be found in the bank contact information and payment runs help article.

  • Open the linked help article and check the bank-imposed restrictions for recipient details.

Error message in foreign payment "Incorrect account number. Correct the account number in the supplier's bank account details."


In the foreign payment view, the error message "Incorrect account number. Correct the account number in the supplier's bank account details." is shown if the supplier's bank account country information is incorrect. In these cases, the country information is usually Finland.

  1. Open the supplier's bank account details.
  2. Check the bank account country information.
  3. Correct the country information if it is incorrect.

Even if the first characters of the bank account suggest, for example, Great Britain, you should select United Kingdom from the list as the country.

Incomplete address details

The payment will not succeed due to incomplete address details if the supplier's address is missing from the supplier's information. Editing the supplier's information updates the changes to all unpaid invoices of the supplier. So, if, for example, the supplier's address details are corrected, you do not need to reselect the supplier for an existing unpaid purchase invoice, just updating the information on the supplier card is sufficient.

  1. Open the supplier card.
  2. Check that the supplier's address has been added to the supplier's information.
  3. Add or correct the supplier's address details if necessary.
  4. Save the changes so that they are updated to all unpaid invoices of the supplier.

If the payment is going outside the SEPA area, the bank's address details must also be included in the supplier's bank account details. The bank's address details are updated to the payment material when, while adding account details, you check the box "Include bank address details in the payment message in addition to the BIC code". The bank's address details can contain a maximum of 140 characters. NOTE! Bank address details are required when the payment is going to the USA, Canada, or China.

  1. Open the supplier's bank account details.
  2. Add the bank's address details to the supplier's bank account details if the payment is going outside the SEPA area.
  3. Check the box "Include bank address details in the payment message in addition to the BIC code".
  4. Ensure that the bank's address details are a maximum of 140 characters.
  5. Especially for payments going to the USA, Canada, or China, ensure that the bank's address details have been added.

Due date is too far in the future

Banks may have restrictions on how far in the future the due date can be set. The payment cannot be executed if the due date is further in the future than the bank's restrictions allow.

  1. Check the invoice due date.
  2. If necessary, confirm with the bank how far in the future the due date can be set.
  3. Change the due date closer to the present if it is too far in the future.
  4. Try the payment again.

Common error messages

Below is a list of the most common error messages given by banks and what they refer to. We recommend contacting your bank directly for a more detailed error investigation.

  • (NARR :: Service ID, account/agreement error.) Refers to something missing in either the payment ID or account.
  • (NARR :: Sender not permitted.) Refers to a missing payments traffic agreement.
  • (NARR :: Agreement missing.) Refers to a missing payments traffic agreement.
  • (NARR :: Lähettäjä ei sallittu/sopimusvirhe.) Viittaa puutteelliseen maksuliikennesopimukseen.
  • (AG01 :: Sender is not authorised to send this file.) Refers to a missing payments traffic agreement.
  • (NARR :: Account not suitable for payment.) Payment could not be processed at the bank.
  • (AM04 :: Insufficient funds.) The account does not have sufficient funds for payment.
  • (RJCT (BE04 :: Creditor's address is missing/not correct.)) Refers to supplier information on the material, such as incomplete address details on the supplier card.
  • UploadFile: SOAP fault (2): Technical Error. Refers to a technical problem in sending payments. This can be caused by several reasons, such as incorrect service ID, missing payments traffic agreement, or incorrect recipient account details.

Frequently asked questions

Why is the purchase invoice payment returned with the error "Insufficient funds"?

The bank returns the payment with the error "Insufficient funds" if the account from which the invoice is debited does not have sufficient funds on the payment date. Check the account balance, transfer funds if necessary, and handle the payment again according to the handling payments stuck in error guide.

What should I do if the payments traffic agreement is missing?

Payments are returned with an error if no payments traffic agreement has been made with the bank for the account from which the payment is debited. Make a payments traffic agreement with the bank according to the payments traffic agreement help article and resend the payments according to the handling payments stuck in error guide.

How do I correct an error where the service ID/payment ID is incorrect?

Check in bank account management that the service ID/payment ID selected for the account matches the ID used in the bank. Change the ID to the correct one or ask customer support to change it if the correct ID is not found in the menu.

Why do I receive an error message about incorrect recipient account details?

An error message about incorrect recipient account details means that the supplier's bank account details are incorrect. Correct the account details in the supplier's bank account details, save the changes, approve the invoice, and resend the payment.

What does the error message "Incorrect account number. Correct the account number in the supplier's bank account details." in a foreign payment mean?

The error message usually means that the supplier's bank account country information is incorrect (for example, Finland). Correct the country information in the supplier's bank account details to match the actual country of the account, such as United Kingdom if the account number suggests Great Britain.

Why does the payment fail due to incomplete address details?

The payment fails if the supplier's address is missing from the supplier's information or if, in a payment going outside the SEPA area, the bank's address details are missing from the supplier's bank account details. Add or correct the supplier's address and, if necessary, the bank's address details in the supplier's bank account details.

What should I do if the due date is too far in the future?

The bank may not accept the payment if the due date is set too far in the future. Change the due date closer to the present according to the bank's restrictions and try the payment again.

How do I interpret bank error messages such as "NARR :: Sender not permitted." or "AG01 :: Sender is not authorised to send this file."?

These error messages usually refer to a missing payments traffic agreement or an agreement error. Check the payments traffic agreement with the bank and, if necessary, contact the bank for a more detailed investigation of the error.

Keywords: payment, incorrect payment, bank traffic view, payment ID, payments traffic agreement

This article has been translated using an AI-based translation tool. The contents or wording of these instructions may differ from those in other instructions or in the software.


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