---
title: "SEPA Reason Codes"
canonical: "https://payactive.refined.site/space/PAYAC/995950593/SEPA%20Reason%20Codes"
format: markdown
---
### Data errors which can be corrected with the payer

| Reason Code | Description | More details | Action required |
| --- | --- | --- | --- |
| AC01 | Incorrect Account Identifier | The IBAN or BIC code provided by your customer is incorrect. You can perform these checks yourself before submitting. | Contact your customer to confirm the correct IBAN. |
| RC01 | Invalid BIC | The BIC code provided by your customer is incorrect. You can perform these checks yourself before submitting. | Contact your customer for the correct BIC. |
| RR01 | Debtor account or identification required for regulatory requirements is insufficient or missing. | The payer’s account information is missing. You can perform these checks yourself before submitting. | If it due to missing information amend the collection and resubmit. If it is a regulatory reason contact the customer's bank. |
| RR02 | Specification of Debtor name or address required for regulatory requirements is insufficient or missing. | The payer’s name or address details are missing. You can perform these checks yourself before submitting. | If it due to missing information amend the collection and resubmit. If it is a regulatory reason contact the customer's bank. |
| RR04 | Regulatory reason | RR04 can only be used for a regulatory reason other than RR01, RR02 or RR03. | You should contact your Bank and request that they contact the Payer's Bank to find out the rejection reason. |
| BE01 | Debtor’s name does not match with the account holder's name | The customer name you have submitted does not match the actual account holder’s name of the account provided. | Contact your customer to check details. |

### The account cannot accept SEPA Direct Debits

| Reason Code | Description | More details | Action required |
| --- | --- | --- | --- |
| AG01 | Direct debit forbidden on this account for regulatory reasons | A SEPA Direct Debit cannot be set up on this type of account. It is likely to be a savings account. | Contact your customer for information about the account to be used. |
| AC04 | Closed Account | The account has been closed. The customer may have used an old account number or closed the account since setting up the mandate. | Contact your customer to get new account details. |
| 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 customer. |
| AC06 | Account blocked for SEPA Direct Debit by the Debtor | The account has been blocked for Direct Debits either by the bank or your customer. It may be blocked by default, in which case the debtor can lift the block. | Contact your customer to ask for an alternative account/payment method. |
| SL01 | Specific service offered by the debtor bank | The request clashes with specific instructions your customer has put on their account, eg. blacklisting, or not whitelisting, the creditor. | Contact your customer. |
| AC13 | Debtor account is a consumer account | A SEPA DD B2B collection has been requested from a consumer account. This may be because the customer gave the wrong payment account, the payment account doesn't support B2B collections or that the customer was unaware that B2B mandates are restricted to non-consumers. | Contact your customer for clarification and to agree on another means of payment (e.g. SEPA DD core mandate). |

### A specific payment cannot be taken

| Reason Code | Description | More details | Action required |
| --- | --- | --- | --- |
| AM04 | Insufficient funds | The payer's bank could not pay the Direct Debit due to insufficient funds. | Contact the customer to ensure they add funds to their account and resubmit the payment. |
| MS02 | Debtor refuses collection | The debtor refuses this particular collection. This code may be recieved pre- or post-settlement, depending on how quickly the debtor bank responds to the refusal. | Contact your customer. |
| 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 your customer. |

### Disputed or unauthorised transactions

| Reason Code | Description | More details | Action required |
| --- | --- | --- | --- |
| MD06 | Disputed authorised transaction | Your customer has claimed a refund for an authorised transaction (Core scheme only). May be received up to 8 weeks after settlement. | Contact your customer. |
| MD01 | No valid mandate or unauthorised transaction | When received with a Refund failure message, the customer has requested the funds back claiming this was an unauthorised transaction. May be received up to 13 months after settlement. | Contact your customer for further details. |