Direct Debit transactions can be unsuccessful for various reasons and when a payment fails, the original transaction’s status is updated.
The new status will generally be set to one of the following:
(Collectively these statuses are often referred to as R-transactions).
To help you to identify why the payment failed, error codes are provided by your payer’s bank.
In this section we outline the various failed payments (R-transactions) and error codes that are possible, what they mean and what corrective action you should take based on the code.
SEPA Reason Codes
The following is a summary of all possible SEPA R-transaction codes:
|AC01||Format of the account number specified is not correct||REJECT RETURN||- Contact the Debtor in order to confirm the correctness of the Debtor’s IBAN
- In case of mandate amendment: check the data provided by the Debtor
- Verify the database used for the BBAN conversion into IBAN.
|AC04||Account number specified has been closed||REJECT RETURN||Contact the Debtor for the new account|
|AC06||Account specified is blocked, prohibiting posting of transactions against it||REJECT RETURN||Contact the Debtor for alternative account/ solution to pay|
|AC13||Invalid debtor account type||REJECT RETURN||- Contact the Debtor for clarification and to agree on another means of payment
- Conclude the SDD Core mandate with Debtor
|AG01||Transaction forbidden on this type of account (formerly No Agreement)||REJECT RETURN||Contact the Debtor in order to get information about the payment account to be used|
|AG02||Bank Operation code specified in the message is not valid for receiver||REJECT RETURN||- Contact your merchant bank to confirm what has caused this issue
- Correct the wrong information
|AM04||Amount of funds available to cover specified message amount is insufficient||REJECT RETURN||Contact the Debtor to ensure that there are funds on his account OR (Optionally) Re-present the payment|
|AM05||Duplication||REJECT RETURN||Check if the collection is really duplicated|
|BE05||Party who initiated the message is not recognised by the end customer||REJECT RETURN||Creditor to contact the Creditor Bank|
|CNOR||Creditor Bank is not registered under this BIC in the CSM||REJECT RETURN||Creditor to contact the Creditor Bank|
|CUST||Cancellation of Credit Transfer payment, requested by the originator||CANCEL|
|CUTA||Cancellation requested because an investigation request has been received and no remediation is possible.||CANCEL|
|DNOR||Debtor Bank is not registered under this BIC in the CSM||REJECT||- Ask the Creditor Bank to check the reachability of the Debtor Bank
- Contact Debtor to agree on another means of payment
|DUPL||Payment is a duplicate of another payment.||CANCEL|
|FF01||File format incomplete or invalid||REJECT RETURN||Contact Nuapay Support|
|MD01||No mandate||REJECT RETURN REFUND||- Analyse the characteristics of the SEPA Direct Debit transaction
- Contact the Debtor in the case of a refund
|MD02||Mandate related information data required by the scheme is missing||REJECT||Contact Nuapay Support|
|MD06||Return of funds requested by end customer||REFUND||Contact the debtor|
|MD07||End customer is deceased||REJECT RETURN||Close the agreement with deceased Debtor. See Cancel Mandate|
|MS02||Reason has not been specified by end customer||REJECT RETURN||Contact the Debtor|
|MS03||Reason has not been specified by agent||REJECT RETURN||Contact the Debtor|
|RC01||Bank Identifier code specified in the message has an incorrect format||REJECT RETURN||Contact your bank|
|RR01||Specification of the debtor’s account or unique identification needed for reasons of regulatory requirements is insufficient or missing||REJECT RETURN||Contact your bank|
|RR02||Specification of the Debtor’s name and/or address needed for regulatory requirements is insufficient or missing||REJECT RETURN||Contact Nuapay Support|
|RR03||Specification of the creditor’s name and/or address needed for regulatory requirements is insufficient or missing||REJECT RETURN||Contact Nuapay Support|
|RR04||Regulatory Reason||REJECT RETURN||Contact your bank|
|SL01||Due to specific service offered by the Debtor Agent||REJECT RETURN||Contact your payer|
|UPAY||Payment is not justified.||CANCEL|