Last reviewed: · Curated by Ohmyfin Organisation editorial.
FF07 (InvalidPurpose) is an ISO 20022 ExternalReturnReason code used in pacs.002 / MT103 STP rejection messages on the SWIFT network. The purpose code is invalid for this corridor.
Details
Why it happens: Country-specific regulators (India, China, Russia, Brazil, South Africa) require specific ISO 20022 purpose codes; a wrong or missing code is rejected.
How to fix it: Confirm the correct purpose code with the beneficiary or your bank — common codes include INTC, SUPP, SALA, GDDS, SCVE.
When a bank rejects a SWIFT payment with FF07, you usually receive the code along with an MT103-STP, MT n96, or pacs.002 message. Your bank may relay the code to you with a plain-English explanation. If they don't, paste your UETR into the Ohmyfin tracker — the rejection status will show in the SWIFT GPI feed.
FF07 is part of the global ExternalReturnReason1Code code set maintained by ISO 20022. The same code is used by SWIFT, SEPA, FedNow, TARGET2 and most modern payment rails worldwide.
Key facts
Code: FF07
Full name: InvalidPurpose
Standard: ISO 20022 ExternalReturnReason1Code
Carried in: pacs.002, MT103 STP rejection, MT n96
Visible on Ohmyfin: yes — paste your UETR to see the full rejection trail
Frequently asked questions
What does SWIFT reject code FF07 mean?
The purpose code is invalid for this corridor.
How do I fix a FF07 rejection?
Confirm the correct purpose code with the beneficiary or your bank — common codes include INTC, SUPP, SALA, GDDS, SCVE.
Will I get my money back after a FF07 rejection?
Yes. SWIFT rejections automatically return the funds to the originator's account, usually within 1–5 business days. Some banks credit immediately; others wait for the actual return wire.
Can I re-send the same payment after FF07?
Yes — once you fix the underlying issue, you can re-send with a new UETR. Do NOT re-send with the same UETR; that triggers AM05 (Duplication).
Related — more from swift reject reason codes and beyond
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