What does IMPS error RCR mean?

The chargeback was re-presented: the other side contested it. Axis Bank's list marks the status as 'Success'. The source doesn't say what 'Success' means for a re-presentment.

Is money deducted with IMPS error RCR?

Axis Bank's list doesn't say at which step this code is raised. Most failed IMPS payments are not debited; check your statement. If you were debited and the payment failed, the money is due back by the next working day (T+1).

IMPS error codes / RCR

IMPS response code

IMPS error RCR: Chargeback re-presentment

Bank descriptionChargeback Re-presentment SUCCESS

Source: Axis Bank, IMPS Response Codes for H2H/API. These are IMPS response codes as one bank publishes them; other banks use the same codes but may word them differently.

What it means

The chargeback was re-presented: the other side contested it. Axis Bank's list marks the status as 'Success'.

Not fully documented: The source doesn't say what 'Success' means for a re-presentment.

Was money deducted?

Axis Bank's list doesn't say at which step this code is raised. Most failed IMPS payments are not debited; check your statement.

When does the money come back?

If you were debited and the payment failed, the money is due back by the next working day (T+1).

Which side caused it?

Dispute process.

Bank guidance on retrying

No guidance given

If money left your account. Under RBI's turnaround-time rules (circular DPSS.CO.PD No.629/02.01.014/2019-20, 20 September 2019), if your account is debited but the receiver isn't credited on an IMPS transfer, the receiver's bank has until the next working day (T+1) to credit it or send the money back. After that the bank owes you ₹100 for every day of delay.

What you should do

If you raised the dispute, it is still being contested. Follow up with your bank.

If you run payouts or a bank integration

Track the dispute through to final decision.

IMPS error RCR kya hai?

IMPS RCR ka matlab hai chargeback ko doosre paksh ne challenge kiya.

IMPS in brief

IMPS moves money between banks instantly, at any hour, on any day. Transfers go either by account number and IFSC, or by mobile number and MMID. The network limit is ₹5 lakh per transaction, though your bank can set a lower one, which is why codes like 04 and 22 exist.

Checking what happened

Open the transaction in your bank app or net banking and note its RRN, the 12-digit reference number also sent by SMS. The receiver's bank can trace the transfer with it, and you'll need it for any complaint. If the status says pending or deemed approved, wait for the final status before sending the money again.

If it still isn't sorted

Raise a complaint inside your banking app. Quote the RRN from your statement or SMS.
If the app doesn't resolve it, contact your bank's grievance desk with the same reference.
If your bank hasn't replied within 30 days, or you're not happy with the reply, complain to the RBI Ombudsman at cms.rbi.org.in. It's free.

See all 87 IMPS codes →