R-message MD06: Refund requested by the debtor

MD06: Refund requested by the debtor

SEPA return code MD06 — belongs to the MD group (mandato).

TL;DR

Meaning: Refund requested by the debtor.
Category: Mandato.
Common cause: the debtor requested a refund within the 8-week core window.
How to fix it: automatic acceptance. if you think it’s unfair, talk to the debtor: the bank won’t reverse it for you.
Bank fee? Typically yes (depends on your bank contract).

When it appears

The debtor requested a refund within the 8-week CORE window.

How to fix it

Automatic acceptance. If you think it’s unfair, talk to the debtor: the bank won’t reverse it for you.

XML example

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

<Rtr>
  <RsnInf>
    <Rsn>
      <Cd>MD06</Cd>
    </Rsn>
    <AddtlInf>Return because of refund requested by the debtor</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

MD06 is a mandato type return. Follow the steps above to fix and re-issue.

Frequently Asked Questions

Does `MD06` 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.