{
  "id": "pain002",
  "name": "pain.002 reason codes",
  "fullName": "SEPA payment status reason codes (ISO 20022)",
  "standard": "ISO 20022",
  "agency": "ISO 20022 RA",
  "source": {
    "name": "ISO 20022 External Code Sets — ExternalStatusReason1Code",
    "url": "https://www.iso20022.org/catalogue-messages/additional-content-messages/external-code-sets",
    "version": "ISO 20022 External Code Sets"
  },
  "license": "CC-BY-4.0",
  "lastVerified": "2026-07-10",
  "count": 36,
  "codes": [
    {
      "code": "AC01",
      "name": "Incorrect account number",
      "note": "The creditor IBAN is malformed or wrong (recoverable) - check it digit by digit with the beneficiary, correct it and resubmit the payment.",
      "group": "account",
      "recoverable": true
    },
    {
      "code": "AC02",
      "name": "Invalid debtor account",
      "note": "Your own debit account is invalid (recoverable) - verify the ordering account IBAN in your file, fix it and resubmit.",
      "group": "account",
      "recoverable": true
    },
    {
      "code": "AC03",
      "name": "Invalid creditor account",
      "note": "The beneficiary account is invalid (recoverable) - confirm the correct IBAN with the beneficiary, update it and resubmit the payment.",
      "group": "account",
      "recoverable": true
    },
    {
      "code": "AC04",
      "name": "Account closed",
      "note": "The beneficiary account is closed (final) - resubmitting will not work; contact the beneficiary to obtain a new account number and issue a fresh payment.",
      "group": "account",
      "recoverable": false
    },
    {
      "code": "AC06",
      "name": "Account blocked",
      "note": "The beneficiary account is blocked (final) - resubmitting will not help; ask the beneficiary to provide an alternative account before paying again.",
      "group": "account",
      "recoverable": false
    },
    {
      "code": "AC13",
      "name": "Debtor is a consumer account",
      "note": "The debit account is a personal account but a business account is required (final) - resubmitting is pointless; route the payment from a proper business account.",
      "group": "account",
      "recoverable": false
    },
    {
      "code": "AC14",
      "name": "Invalid creditor account type",
      "note": "The beneficiary account type is not accepted for this payment (recoverable) - check with the beneficiary which account type to use, correct it and resubmit.",
      "group": "account",
      "recoverable": true
    },
    {
      "code": "AC16",
      "name": "Account being closed",
      "note": "The beneficiary account is in the process of closing (final) - resubmitting will fail; obtain a new account number from the beneficiary and pay to that instead.",
      "group": "account",
      "recoverable": false
    },
    {
      "code": "AM04",
      "name": "Insufficient funds",
      "note": "Your account lacked the funds to cover this payment (recoverable) - top up the account or wait for sufficient balance, then resubmit the payment.",
      "group": "amount",
      "recoverable": true
    },
    {
      "code": "AM05",
      "name": "Duplicate transaction",
      "note": "The bank detected this as a duplicate of a payment already processed (final) - do not resubmit; verify the original payment went through before taking any further action.",
      "group": "amount",
      "recoverable": false
    },
    {
      "code": "AM09",
      "name": "Wrong amount",
      "note": "The payment amount is invalid or inconsistent (recoverable) - correct the amount in your file, make sure it matches the invoice, and resubmit.",
      "group": "amount",
      "recoverable": true
    },
    {
      "code": "AM18",
      "name": "Invalid number of transactions",
      "note": "The transaction count in the file does not match its contents (recoverable) - regenerate the file so the declared count equals the actual number of transactions, then resubmit.",
      "group": "amount",
      "recoverable": true
    },
    {
      "code": "MD01",
      "name": "No valid mandate",
      "note": "There is no valid direct debit mandate for this collection (final) - do not resubmit; obtain a signed mandate from the debtor before attempting to collect again.",
      "group": "mandate",
      "recoverable": false
    },
    {
      "code": "MD02",
      "name": "Missing mandate information",
      "note": "Required mandate details are missing (recoverable) - complete the mandate reference, signature date and debtor details in your file and resubmit.",
      "group": "mandate",
      "recoverable": true
    },
    {
      "code": "MD06",
      "name": "Refund requested by debtor",
      "note": "The debtor requested a refund of this direct debit (final) - resubmitting is not allowed; contact the debtor to resolve the dispute before any new collection.",
      "group": "mandate",
      "recoverable": false
    },
    {
      "code": "MD07",
      "name": "Account holder deceased",
      "note": "The account holder is deceased (final) - do not resubmit; direct any outstanding claim to the estate or executor through the appropriate legal channel.",
      "group": "mandate",
      "recoverable": false
    },
    {
      "code": "RC01",
      "name": "Incorrect BIC",
      "note": "The bank identifier (BIC) is incorrect (recoverable) - verify the beneficiary BIC against the IBAN, correct it and resubmit the payment.",
      "group": "reference",
      "recoverable": true
    },
    {
      "code": "RC03",
      "name": "Invalid debtor bank ID",
      "note": "Your own bank identifier is invalid (recoverable) - check the ordering bank BIC in your file, correct it and resubmit.",
      "group": "reference",
      "recoverable": true
    },
    {
      "code": "RC04",
      "name": "Invalid creditor bank ID",
      "note": "The beneficiary bank identifier is invalid (recoverable) - confirm the correct BIC for the beneficiary bank, update it and resubmit the payment.",
      "group": "reference",
      "recoverable": true
    },
    {
      "code": "BE04",
      "name": "Missing creditor address",
      "note": "The beneficiary address is required and missing (recoverable) - add the complete creditor address to your file and resubmit the payment.",
      "group": "reference",
      "recoverable": true
    },
    {
      "code": "BE05",
      "name": "Unrecognised initiating party",
      "note": "The bank does not recognise the party that initiated the file (recoverable) - check the Initiating Party identifier matches the one registered with your bank, correct it and resubmit.",
      "group": "reference",
      "recoverable": true
    },
    {
      "code": "AG01",
      "name": "Transaction forbidden",
      "note": "This type of operation is not permitted on the account (final) - resubmitting will not help; check with the bank which payment types the account allows, or use a different account.",
      "group": "regulatory",
      "recoverable": false
    },
    {
      "code": "AG02",
      "name": "Invalid operation code",
      "note": "The bank operation or instrument code is invalid (recoverable) - correct the operation code or scheme in your file to a value the bank accepts and resubmit.",
      "group": "regulatory",
      "recoverable": true
    },
    {
      "code": "RR01",
      "name": "Missing debtor account or ID",
      "note": "Regulatory information about the debtor account or identifier is missing (recoverable) - add the required debtor account or identification data to your file and resubmit.",
      "group": "regulatory",
      "recoverable": true
    },
    {
      "code": "RR02",
      "name": "Missing debtor name or address",
      "note": "The debtor name or address required by regulation is missing (recoverable) - complete the ordering party name and full address in your file and resubmit.",
      "group": "regulatory",
      "recoverable": true
    },
    {
      "code": "RR03",
      "name": "Missing creditor name or address",
      "note": "The beneficiary name or address required by regulation is missing (recoverable) - add the full creditor name and address to your file and resubmit.",
      "group": "regulatory",
      "recoverable": true
    },
    {
      "code": "RR04",
      "name": "Regulatory reason",
      "note": "The payment was rejected for a regulatory reason (final) - resubmitting as-is will not work; consult your bank or compliance team to understand the requirement before any new attempt.",
      "group": "regulatory",
      "recoverable": false
    },
    {
      "code": "FF01",
      "name": "Invalid file format",
      "note": "The file format is invalid or does not match the expected schema (recoverable) - fix the structure to comply with the required pain schema version and resubmit.",
      "group": "technical",
      "recoverable": true
    },
    {
      "code": "FF05",
      "name": "Invalid local instrument",
      "note": "The local instrument code (e.g. CORE, B2B) is invalid for this scheme (recoverable) - set a valid local instrument matching your product, then resubmit.",
      "group": "technical",
      "recoverable": true
    },
    {
      "code": "DT01",
      "name": "Invalid date",
      "note": "A date in the file is invalid, in the past or not a business day (recoverable) - set a valid future requested execution date and resubmit.",
      "group": "technical",
      "recoverable": true
    },
    {
      "code": "DU01",
      "name": "Duplicate message ID",
      "note": "The message ID has already been used (recoverable) - generate a new, unique Message Identification for the file and resubmit.",
      "group": "technical",
      "recoverable": true
    },
    {
      "code": "NARR",
      "name": "See bank narrative",
      "note": "The bank gave a free-text reason instead of a standard code (final) - read the narrative text supplied by the bank to understand what is required, as no generic retry applies.",
      "group": "technical",
      "recoverable": false
    },
    {
      "code": "CUST",
      "name": "Cancelled by customer",
      "note": "The payment was cancelled at the customer's request (final) - do not resubmit; only initiate a new payment if the cancellation was a mistake and the customer confirms.",
      "group": "other",
      "recoverable": false
    },
    {
      "code": "MS02",
      "name": "Reason not given by customer",
      "note": "The debtor gave no reason for the refusal (final) - resubmitting will not clarify anything; contact the debtor directly to find out why the payment was refused.",
      "group": "other",
      "recoverable": false
    },
    {
      "code": "MS03",
      "name": "Reason not given by bank",
      "note": "The bank gave no specific reason for the rejection (final) - resubmitting blindly will likely fail again; contact your bank to obtain the actual reason before retrying.",
      "group": "other",
      "recoverable": false
    },
    {
      "code": "SL01",
      "name": "Specific service offered",
      "note": "The transaction was stopped due to a specific service agreed on the account (e.g. a debtor filter or block) (final) - resubmitting will not bypass it; contact the account holder or bank to adjust the service settings.",
      "group": "other",
      "recoverable": false
    }
  ]
}