R-message MD02: Mandate information missing or incorrect

MD02: Mandate information missing or incorrect

SEPA return code MD02 — belongs to the MD group (mandato).

TL;DR

Meaning: Mandate information missing or incorrect.
Category: Mandato.
Common cause: umr, cid or signature date in the collection are wrong.
How to fix it: re-issue with the correct mandate data. this is on you to fix.
Bank fee? Typically yes (depends on your bank contract).

When it appears

UMR, CID or signature date in the collection are wrong.

How to fix it

Re-issue with the correct mandate data. This is on you to fix.

XML example

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

<Rtr>
  <RsnInf>
    <Rsn>
      <Cd>MD02</Cd>
    </Rsn>
    <AddtlInf>Return because of mandate information missing or incorrect</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 MD-type returns.

Conclusion

MD02 is a mandato type return. Follow the steps above to fix and re-issue.

Frequently Asked Questions

Does `MD02` 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.