AG01: Direct debit service not contracted
SEPA return code AG01 — belongs to the AG group (servicio no contratado).
TL;DR
- Meaning: Direct debit service not contracted.
- Category: Servicio no contratado.
- Common cause: the debtor or their bank has not enabled the service.
- How to fix it: the debtor must enable direct-debit reception at their bank. postpone until confirmed.
- Bank fee? Typically yes (depends on your bank contract).
When it appears
The debtor or their bank has not enabled the service.
How to fix it
The debtor must enable direct-debit reception at their bank. Postpone until confirmed.
XML example
This code lives inside the <RsnInf> block of the return message (pain.002 or camt.054):
<Rtr>
<RsnInf>
<Rsn>
<Cd>AG01</Cd>
</Rsn>
<AddtlInf>Return because of direct debit service not contracted</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 AG-type returns.
Conclusion
AG01 is a servicio no contratado type return. Follow the steps above to fix and re-issue.
