SEPA R-TRANSACTIONS
Occasionally you may have an unsuccessful transaction when using SEPA Direct Debit (SDD) or SEPA Credit Transfer. These transaction errors are called R-transaction messages.
They are named R-transactions because all transaction message names begin with R: Refusals, Rejects, Returns, Refunds, Reversals, and Recall by the Originator (RFRO).
The following list outlines some of the standard SEPA Direct Debit Reason Codes:
For an extensive list of R-transaction Reason Codes with detailed explanations and possible solutions, see: Guidance on Reason Codes for SEPA Direct Debit R-transactions
SEPA Direct Debit (SDD)
| Code | ISO Definition | R-Transaction Type |
|---|---|---|
| AC01 | Incorrect Account Number | Reject, Return |
| AC04 | Account Closed | Reject, Negative answer to a recall or to an RFRO |
| AC06 | Blocked Account | Reject, Return |
| AM04 | Insufficient Funds | Reject, Return |
| AM05 | Duplication | Reject, Return, Reversal |
| AM06 | Insufficient Funds | Reject, Return |
| MD06 | Refund Request By End Customer | Refund |
| MD07 | End Customer Deceased | Reject, Return |
| MS02 | Not Specified Reason Customer Generated (Usually Refusal by the Debtor) | Reject, Return, Reversal, Refusal |
| MS03 | Not Specified Reason Customer Generated | Reject, Return, Reversal, Refusal |