SEPA Reason Codes. Direct Debit Customer to Bank Implementation Guidelines

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1 SEPA Reason s The SEPA reason codes in this document are sourced from the following European Payments Council Implementation Guideline documentation which detail the customer-to-bank and inter-bank formats for SEPA ISO XML: Direct Debit Customer to Bank Implementation Direct Debit Interbank Implementation Credit Transfer Customer to Bank Implementation Credit Transfer Interbank Implementation Note: These reason codes are valid for Rulebook version 7.0 but may change as new rulebooks are introduced This document is published by Bank of Ireland, and both it, and its contents, are the property of Bank of Ireland. This document may not be reproduced or further distributed, in whole or in part, without the express written permission of Bank of Ireland. Page 1 of 7

2 1) SEPA Direct Debit Reason s Note: Any of the reason codes listed for the PACS messages can appear in a PAIN.002 (which is the payment status report both SEPA Direct Debit and SEPA Credit Transfer payments) pacs.004 Bulk Message for Returns/Refunds Return s BE05 FF05 SL01 Account blocked Account blocked for direct debit by the Debtor Direct debit forbidden on this account for regulatory reasons Usage Rule: To be used to indicate an incorrect operation/transaction code Insufficient funds Duplicate collection Identifier of the Creditor incorrect Direct Debit type incorrect No valid Mandate Debtor deceased Refusal by the Debtor Specific Service offered by the Debtor Bank Refund s MD06 Unauthorised transaction Disputed authorised transaction Note: appears in the pacs.004 for both a return and a refund. In order to determine whether the transaction is a return or a refund, the originator value in the Return Reason Information field will be populated with a BIC if it is a return or a name if a debtor has requested a refund. Page 2 of 7

3 pacs.002 Bulk Message for Rejects/Refusals BE05 FF05 MD02 SL01 Account blocked Account blocked for direct debit by the Debtor Direct debit forbidden on this account for regulatory reasons Usage Rule: To be used to indicate an incorrect operation/transaction code. Insufficient funds Duplicate collection Identifier of the Creditor Incorrect Usage Rule: To be used to indicate an invalid file format Direct Debit type incorrect No valid Mandate Mandate data missing or incorrect Debtor deceased Refusal by the Debtor Specific Service offered by the Debtor Bank Page 3 of 7

4 PAIN.002 Payment Status Report BE01 MD02 SL01 DNOR CNOR Account blocked Account blocked for Direct Debit by the Debtor Direct debit forbidden on this account for regulatory reasons Usage Rule: To be used to indicate an incorrect operation/transaction code Insufficient funds Duplicate collection Debtor s name does not match with the account holder's name Usage Rule: To be used to indicate an invalid file format No Mandate Mandate data missing or incorrect Debtor deceased Refusal by the Debtor Specific Service offered by the Debtor Bank Debtor bank is not registered under this BIC in the CSM Creditor bank is not registered under this BIC in the CSM Page 4 of 7

5 2) SEPA Credit Transfer Reason s Pacs.004 Bulk Message for Returns BE04 FOCR Account identifier invalid (i.e. invalid IBAN or account number does not exist) Account blocked, reason not specified Credit transfer forbidden on this type of account (e.g. savings account) Usage Rule: To be used for incorrect operation/transaction code or invalid file format. Duplicate payment Account address invalid Positive answer to the Recall Beneficiary deceased By order of the Beneficiary Bank identifier incorrect, e.g., invalid BIC Page 5 of 7

6 Pacs.002 Bulk Message for Rejections TM01 Usage Rule: To be used for incorrect operation/transaction code. Usage Rule: To be used for invalid file format. Duplicate payment File received after Cut-off Time Camt.029 Bulk Message for Response to a Recall CUST Beneficiary s Refusal LEGL Legal reason, in relation with index 4.94 ARDT The transaction has already been returned Insufficient funds on the account NOAS No response from beneficiary NOOR Original Credit Transfer never received Page 6 of 7

7 PAIN.002 Payment Status Report TM01 DNOR CNOR Usage Rule: To be used for incorrect operation/transaction code Duplicate payment Usage Rule: To be used for invalid file format File received after Cut-off Time Debtor Bank is not registered under this BIC in the CSM Creditor Bank is not registered under this BIC in the CSM This document is for information purposes only and no guarantee or warranty is given in respect of the accuracy or completeness of this document, or its content, which are subject to change. Bank of Ireland accepts no liability for any losses howsoever arising in reliance on this document or its content. Page 7 of 7