MS03: Reason not specified
SEPA return code MS03 — belongs to the MS group (motivo no especificado).
TL;DR
- Meaning: Reason not specified.
- Category: Motivo no especificado.
- Common cause: return without an explicit reason (rare, typically masks another code).
- How to fix it: talk to the debtor to learn the real reason and adapt the flow.
- Bank fee? Typically yes (depends on your bank contract).
When it appears
Return without an explicit reason (rare, typically masks another code).
How to fix it
Talk to the debtor to learn the real reason and adapt the flow.
XML example
This code lives inside the <RsnInf> block of the return message (pain.002 or camt.054):
<Rtr>
<RsnInf>
<Rsn>
<Cd>MS03</Cd>
</Rsn>
<AddtlInf>Return because of reason not specified</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
MS03 is a motivo no especificado type return. Follow the steps above to fix and re-issue.
