This section details the reasons and actions for reversal of payment.
| Reason | Description | Action | Moment | R Type |
|---|
| AC01 | IBAN incorrect | Recover IBAN or ask debtor for the right IBAN | D+1 | Reject, Return |
| AC04 | Account holder has closed the account | Ask debtor for the right IBAN | D+1 | Reject, Return |
| AC06 | Bank of debtor has blocked account for direct debit | Contact the debtor | D+1 | Reject, Return |
| AC13 (B2B) | Business account holder has specified a private debit account | Contact the debtor | D+1 | Reject, Return |
| AG01 | Debit account is no checking account but a savings account | Contact the debtor | D+1 | Reject, Return |
| AG02 | Incorrect transaction type used: use “OOFF”, “FRST’’ or “RCUR” | Select different ID | D+1 | Reject, Return |
| AM04 | Balance is insufficient | Contact the debtor | D+1 to D+5 | Reject, Return |
| AM05 | Submitted twice | Check whether it was indeed submitted twice | D+1 | Reject, Return |
| BE05 | Payee ID modified without amendment indication | Submit with the right ID | D+1 | Reject, Return |
| MD01 (core) | No authorization issued | Contact the debtor | D+1 | Reject, Return |
| MD01 (B2B) | Authorization not registered at the debtor’s bank yet | Contact the debtor | D+1 | Reject, Return |
| MD02 | Authorization data incorrect (B2B) | Contact the debtor | D+1 | Reject |
| MD06 | Debtor exercises right of reversal (8 weeks) | Contact the debtor | From D+1 to D+56 days | Refund |
| MD07 | Debtor deceased | Do not make direct debit attempt anymore | D+1 | Reject, Return |
| MS02 | Debtor refuses transaction | Contact the debtor | From D+1 to D+56 days | Reject, Return |
| MS03 | Insufficient balance | Contact the debtor | From D+1 to D+5 | Reject, Return |
| RR01 | Debtor data unknown | Contact your bank | D+1 | Reject, Return |
| RR02 | Name/address required, missing | Contact your bank | D+1 | Reject, Return |
| RR03 | Name/address required, missing | Contact your bank | D+1 | Reject, Return |
| RR04 | Statutory requirements not met | Contact your bank | D+1 | Reject, Return |
| SL01 | Limiting values exceeded | Contact your debtor | D+1 | Reject, Return |
| PY01 | Account number not recognized | Ask the consumer for the correct number | D+1 | Reject, Return |
| By Whom | Before Execution | After Execution |
|---|
| Initiative by payee | Cancellation by payee (Revocation) | Reversal by payee, within 5 working days (Reversal) |
| Initiative by bank | Refusal by payee (Refusal) | Refund by bank: within 2 or 5 working days |
| Reason | Description | R Type |
|---|
| CNOR | Creditor Bank is not registered under this BIC in the CSM | Reject |
| DNOR | Debtor bank is not registered under this BIC in the CSM | Reject |
| ED05 | Settlement of the collection failed | Reject |
| FF01 | Invalid file format | Reject |
| RC01 | BIC incorrect/unknown | Reject, Return |
| DDT | Direct Debit Item | Not available |
| FF05 | Direct debit type incorrect | Reject |
| N064 | World payment OUR no BIC | Reject |
| N633 | Not in use anymore | Removed from transaction list |
| PY01 | Unknown BIC in routing table | Reject |
| XT13 | Unsupported XML field | Reject |
| XT33 | Invalid data format | Reject |
| XT73 | Invalid country code | Reject |
| XT75 | Invalid original transaction status | Reject |
| XT77 | Interbank Settlement Amount mismatch | Reject |
| XT78 | Compensation amount check failed | Reject |
| XT79 | Debtor Agent not allowed to receive DD | Reject |
| XT80 | Creditor Agent not allowed to send DD | Reject |
| XT81 | Field not permitted in SDD Service | Reject |
| XT87 | R-Message route mismatch | Reject |
| XT88 | Excess transactions cancelled | Reject |
| XT90 | Invalid use of Technical BIC | Reject |
| XT91 | Creditor/Debtor Agent not part of SEPACOM CUG | Reject |
