Help articles about SEPA errors (R-messages).
Index of the 25 most common SEPA return codes with their fix.
Meaning and fix for SEPA return code TM01: cut-off times not met.
Meaning and fix for SEPA return code RR04: unclassified regulatory reason.
Meaning and fix for SEPA return code RR03: creditor identifier incorrect.
Meaning and fix for SEPA return code RR02: regulated debtor identity.
Meaning and fix for SEPA return code RR01: regulated creditor identity / not permitted.
Meaning and fix for SEPA return code RC01: debtor bank bic invalid.
Meaning and fix for SEPA return code MS03: reason not specified.
Meaning and fix for SEPA return code MS02: operation refused by the debtor (explicit order).
Meaning and fix for SEPA return code MD08: wrong creditor data.
Meaning and fix for SEPA return code MD07: deceased debtor.
Meaning and fix for SEPA return code MD06: refund requested by the debtor.
Meaning and fix for SEPA return code MD02: mandate information missing or incorrect.
Meaning and fix for SEPA return code MD01: no mandate.
Meaning and fix for SEPA return code FF01: invalid operation or wrong format.
Meaning and fix for SEPA return code BE08: missing or incorrect debtor name.
Meaning and fix for SEPA return code BE05: creditor unknown to the debtor.
Meaning and fix for SEPA return code BE04: wrong debtor address.
Meaning and fix for SEPA return code AM05: duplicate collection.
Meaning and fix for SEPA return code AM04: insufficient funds.
Meaning and fix for SEPA return code AG02: operation not allowed on the account.
Meaning and fix for SEPA return code AG01: direct debit service not contracted.
Meaning and fix for SEPA return code AC13: account type invalid for b2b.
Meaning and fix for SEPA return code AC06: blocked account.
Meaning and fix for SEPA return code AC04: closed account.
Meaning and fix for SEPA return code AC01: incorrect account number.
