SEPA Direct Debit Reason Codes table

Table 1. ISO Code and SEPA Reason
ISO Code Description Action to perform
AC01 Account identifier incorrect
  • The IBAN or BIC code provided by the buyer is incorrect.
  • The account is not in euros.
Contact the buyer to obtain the correct IBAN.

Via the Back Office, update the token.

Resubmit the payment (see next chapter).

AC04 Closed Account

The account has been closed.

The buyer may have used an old account number or closed the account since setting up the mandate.

Contact the buyer to get new account details.

Via the Back Office, update the token.

Resubmit the payment (see next chapter).

AC06

Account blocked

The account has been blocked for Direct Debits either by:

  • the bank
  • the buyer
Contact the buyer to ask for an alternative account/payment method.

Via the Back Office, update the token.

Resubmit the payment (see next chapter).

AG01 Direct debit forbidden on this account for regulatory reasons

A SEPA Direct Debit cannot be set up on this type of account.

Eg.: savings account.

Contact the buyer for information about the account to be used.

Via the Back Office, update the token.

Resubmit the payment (see next chapter).

AG02 Payment transaction code incorrect

Technical error

Contact the payment gateway.

AM04 Insufficient funds

The buyer's bank could not pay the Direct Debit due to insufficient funds.

Contact the buyer to ensure they add funds to their account and resubmit the payment.
AM05 Duplicate collection

The collection has already been made. This could either be due to an incorrect transaction ID or if two FRST transactions have been submitted.

Check whether the collection is really duplicated.
BE05 Creditor Identifier incorrect

The Creditor Identifier provided is incorrect or is invalid.

Inform the correct ICS (Creditor Identifier) to the payment gateway (ADV).
FF01

(previous MD03 ISO code)

Invalid file format

Technical error

Contact the payment gateway.
FF05

Direct Debit type incorrect

Technical error

Contact the payment gateway.
MD01 No valid mandate

The mandate is no longer live on the buyer's account. Mandate may have been cancelled by the buyer.

Also used when a customer requests a refund, stating it was an unauthorized transaction. This can occur up to 13 months after settlement.

Check the expiry date in the Back Office.

Contact the buyer for a a refund.

MD02 Mandate data missing or incorrect

Technical issue.

Contact the payment gateway.
MD03 Invalid file format

Technical issue.

Contact the payment gateway.
MD06 Disputed authorized transaction

The buyer has claimed a refund for an authorized transaction. May be received up to 8 weeks after settlement.

Contact the buyer.
MD07 End Customer Deceased

You have attempted to set up a mandate on the account of someone who is deceased. Extremely rare.

End the agreement with the deceased buyer.
MS02 Debtor refuses collection

The buyer refuses this particular collection.

This code may be received pre- or post-settlement, depending on how quickly the buyer bank responds to the refusal.

Contact the buyer.
MS03 Reason not specified

One of the most common error codes. Often used when banks choose not to issue more specific reason codes, such as MD07 and AM04, for data protection reasons.

Contact the buyer to request if he/she can contact his/her bank to know the reason.
RC01 Invalid BIC

The BIC code provided by the buyer is incorrect.

Contact the buyer to obtain the correct BIC.

Via the Back Office, update the token.

Resubmit the payment (see next chapter).

RR01 Regulatory requirements - Debtor account insufficient or missing

Technical issue.

Contact the payment gateway.
RR02 Regulatory requirements - Debtor name missing

Technical issue.

Contact the payment gateway.
RR03 Regulatory requirements - creditor name missing

Technical issue.

Contact the payment gateway.
RR04 Regulatory reason

RR04 can only be used for a regulatory reason other than RR01, RR02 or RR03.

Contact your bank and request that they contact the buyer's bank to find out the rejection reason.
SL01 Specific service offered by the debtor bank

The request clashes with specific instructions the buyer has put on it account.

Eg.: the creditor is blacklisting.

Contact the buyer.
TM01 File received after the limited time

Limited time passed.

Contact the payment gateway.