R-message AC13: Account type invalid for B2B

AC13: Account type invalid for B2B

SEPA return code AC13 — belongs to the AC group (cuenta del deudor).

TL;DR

Meaning: Account type invalid for B2B.
Category: Cuenta del deudor.
Common cause: you issued an sdd b2b against an individual account.
How to fix it: b2b only allows business accounts. re-issue as core if the debtor is an individual.
Bank fee? Typically yes (depends on your bank contract).

When it appears

You issued an SDD B2B against an individual account.

How to fix it

B2B only allows business accounts. Re-issue as CORE if the debtor is an individual.

XML example

This code lives inside the <RsnInf> block of the return message (pain.002 or camt.054):

<Rtr>
  <RsnInf>
    <Rsn>
      <Cd>AC13</Cd>
    </Rsn>
    <AddtlInf>Return because of account type invalid for b2b</AddtlInf>
  </RsnInf>
</Rtr>

Prevention

Before sending the batch to your bank, validate it with our SEPA XML Validator. Catch the errors your ERP misses and reduce AC-type returns.

Conclusion

AC13 is a cuenta del deudor type return. Follow the steps above to fix and re-issue.

Frequently Asked Questions

Does `AC13` carry a bank fee?

Almost always. Your bank charges a return fee per your contract.

Can I retry the collection?

It depends on the cause. Fix the reason above before retrying.

How do I prevent it?

Validate the batch before sending it and keep IBAN, mandates and CID up to date. Our [SEPA XML Validator](/sepa-direct-debit-xml-validator) catches most of these errors pre-submission.