SEPA Reason Codes - review the various SEPA Reason codes that are possible and how to best deal with them
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The following gives a list of the possible error codes that may be provided when a SEPA Instant Payment fails, as defined by the EBA Clearing, which may be useful when determining why a specific payment has been rejected:

SEPA Reason Codes

The following is a summary of all possible SEPA R-transaction codes:

Code Description
AB05 Clearing process aborted due to timeout at the Beneficiary PSP (Creditor Agent).
AB06 Clearing process aborted due to timeout at Intermediary PSP or CSM (the Instructed Agent). Rejected by the CSM to Originator Bank upon Timeout condition
AB07 Agent of message is not online / available. Generic usage if it cannot be determined who exactly is unavailable.
AB08 Beneficiary PSP (Creditor Agent) is not online / available.
AB09 Clearing process aborted due to error at the Beneficiary PSP (Creditor Agent).
AB10 Clearing process aborted due to error at the Intermediary PSP or CSM (the Instructed Agent).
AC01 Incorrect Account Number
AC04 Closed Account Number
AC06 Blocked Account
AG01 Transaction Forbidden
AG02 Invalid Bank Operation Code
AG09 Original payment never received.
AG10 Agent of message is suspended from the Real-time Payment system. Generic usage if it cannot be determined who exactly is suspended.
AG11 Beneficiary PSP (Creditor Agent) of message is suspended from the Real-time Payment system.
AM02 Not Allowed Amount
AM04 Insufficient Funds
AM05 Duplication
AM23 Transaction amount exceeds settlement limit
ARDT Already Returned Transaction
BE04 Missing Creditor Address
CNOR Creditor bank is not registered Beneficiary bank is not registered under this BIC in the CSM
CUST Requested By Customer
DNOR Debtor bank is not registered Originator bank is not registered under this BIC in the CSM
DT01 Invalid Date
DUPL Duplicate Payment
FOCR Following Cancellation Request
FRAD Fraudulent Original SCT Inst Transaction
LEGL Legal Decision
MD07 End Customer Deceased
MS02 Not Specified Reason Customer Generated
MS03 Not Specified Reason Agent Generated
NOAS No Answer from Customer
NOOR Original Credit Transfer never received
PY01 Unknown BIC in routing table
RC01 Bank Identifier Incorrect
RR01 Missing Debtor Account Or Identification
RR02 Missing Debtors Name Or Address
RR03 Missing Creditors Name Or Address
RR04 Regulatory Reason
TECH Technical Problem
TM01 Invalid Cut Off Time Rejected by the CSM to Beneficiary Bank upon Timeout condition
XD19 Invalid IBAN format
XT04 Insufficient liquidity for processing the transaction on the System.
XT06 Invalid AccptTime, Rejected by the CSM to Originator Bank upon exceeding tolerance period for the Acceptance Date&Time
XT13 Unsupported XML field
XT33 Invalid data format
XT73 Invalid country code
XT75 Invalid original transaction status, action not required
XT77 Original Amount mismatch
XT79 The Debtor Agent is not allowed to send SCT Inst transactions (pacs.008) and consequently to send Investigation (pacs.028) and Recalls (camt.056). It is also not allowed to receive NRR and PRR.
XT80 The Creditor Agent is not allowed to receive SCT Inst transactions (pacs.008) and consequently to receive Investigation (pacs.028) and Recalls (camt.056). It is also not allowed to send NRR and PRR.(The a admission profile “Debtor Only” currently is not implemented )
XT81 Field not Permitted in SCT Inst Service
XT83 Participant not allowed to use the Product Id specified
XT86 Expired Time limit for Recall
XT87 Inconsistent Instructing Agent
XT90 Invalid use of a Technical BIC