What does my SEPA Direct Debit Dispute Reason Code mean?

Reason code

Reason code description

Suggested next steps

AC01

Format of the account number specified is not correct

Merchant should contact the shopper for the correctness of the bank account before retrying the SEPA Direct Debit payment.

AC04

Account Number specified has been closed

Merchant should contact the shopper to agree on a different bank account or payment means and then retry the payment.

AC06

Account specified is blocked,prohibiting posting of transactions against it

Merchant should contact the shopper to agree on a different bank account or payment means. In case the shopper's bank unblock the account, the payment can be retried.

AC13

Invalid debtor account type

Merchant should contact the shopper to agree on a different bank account or payment means.

AG01

Transaction forbidden on this type of account (formerly No Agreement)

Merchant should contact the shopper to agree on a different bank account or payment means.

AG02

Bank Operation code specified in the message is not valid for receiver

Merchant should contact Adyen about this payment for troubleshooting before retrying the SEPA Direct Debit payment.

AM04

Amount of funds available to cover specified message amount is insufficient

This can be retried. Additionally, merchants can consider reaching out to the shopper to provide funds into the bank account.

AM05

Duplication

Merchant should contact Adyen about this payment for troubleshooting before retrying the SEPA Direct Debit  payment.

MD01

No mandate

Merchants should collect a new mandate before retrying the SEPA Direct Debit  payment.

MD02

Mandate related information data required by the scheme is missing

Merchants should collect a new mandate before retrying the SEPA Direct Debit payment.

MD06

Return of funds requested by end customer

Merchant should contact the shopper before retrying the SEPA Direct Debit  payment. Given that this is a shopper-initiated chargeback, we suggest applying the similar dunning approach as merchants would have in place with chargebacks for other payment methods.

MD07

End customer is deceased

The SEPA Direct Debit payment cannot be retried.

MS02

Reason has not been specified by end customer

Merchant should contact the shopper for additional information before retrying the SEPA Direct Debit payment.

MS03

Reason has not been specified by agent

Merchant should contact the shopper for additional information before retrying the SEPA Direct Debit payment.

RC01

Bank Identifier code specified in the message has an incorrect format

Merchant should contact Adyen about this payment for troubleshooting before retrying the SEPA Direct Debit payment.

RR01

Specification of the Debtor’s account or unique identification needed for reasons of regulatory requirements is insufficient or missing

Merchant should contact Adyen about this payment for troubleshooting before retrying the SEPA Direct Debit payment.

RR02

Specification of the Debtor’s name and/or address needed for regulatory requirements is insufficient or missing

Merchant should contact Adyen about this payment for troubleshooting before retrying the SEPA Direct Debit payment.

RR03

Specification of the creditor’s name and/or address needed for regulatory requirements is insufficient or missing

Merchant should contact Adyen about this payment for troubleshooting before retrying the SEPA Direct Debit payment.

RR04

Regulatory Reason

Merchant should contact Adyen about this payment for troubleshooting before retrying the SEPA Direct Debit payment.

SL01

Due to specific service offered by the Debtor Agent

Merchant should contact the shopper with instructions to request the enablement of SEPA Direct Debit for the merchant on the shopper's bank account. Subsequently the SEPA Direct Debit payment can be retried.

BE05

Party who initiated the message is not recognised by the end customer

Merchant should contact Adyen about this payment for troubleshooting before retrying the SEPA Direct Debit payment.

CNOR

Creditor Bank is not registered under this BIC in the CSM

Merchant should contact Adyen about this payment for troubleshooting before retrying the SEPA Direct Debit payment.

DNOR

Debtor Bank is not registered under this BIC in the CSM

Merchant should contact the shopper to agree on a different bank account or payment means.