MS02: Operation refused by the debtor (explicit order)
SEPA return code MS02 — belongs to the MS group (devuelto por deudor).
TL;DR
- Meaning: Operation refused by the debtor (explicit order).
- Category: Devuelto por deudor.
- Common cause: the debtor pre-ordered their bank to refuse any collection from your cid.
- How to fix it: contact the debtor to resolve. you can’t override the customer’s standing order.
- Bank fee? Typically yes (depends on your bank contract).
When it appears
The debtor pre-ordered their bank to refuse any collection from your CID.
How to fix it
Contact the debtor to resolve. You can’t override the customer’s standing order.
XML example
This code lives inside the <RsnInf> block of the return message (pain.002 or camt.054):
<Rtr>
<RsnInf>
<Rsn>
<Cd>MS02</Cd>
</Rsn>
<AddtlInf>Return because of operation refused by the debtor (explicit order)</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 MS-type returns.
Conclusion
MS02 is a devuelto por deudor type return. Follow the steps above to fix and re-issue.
