MD06 - Refund requested by end customer

What this code means

MD06 means the debtor asked their bank to refund a direct debit that had already been collected. Under the SEPA rulebook a consumer may claim a refund of an authorised collection for up to 8 weeks, no reason required.

Typical causes

• The debtor disputes the collection — wrong amount, unexpected charge, or a cancelled service.
• The debtor did not recognise the creditor name on their statement.
• The collection was legitimate but the customer changed their mind within the 8-week window.

What to do

Resubmitting the same collection is not allowed. Contact the debtor to settle the underlying dispute, and only collect again once the matter is resolved. Making your creditor name recognisable on statements is the best prevention. This return is final.

What it looks like in a pain.002

The reason code is carried in the StsRsnInf/Rsn/Cd element of the status report.

<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.002.001.03">
  <CstmrPmtStsRpt>
    <GrpHdr>
      <MsgId>STATUS-2026-000123</MsgId>
      <CreDtTm>2026-01-15T09:30:00</CreDtTm>
    </GrpHdr>
    <OrgnlGrpInfAndSts>
      <OrgnlMsgId>MSG-2026-000045</OrgnlMsgId>
      <OrgnlMsgNmId>pain.008.001.08</OrgnlMsgNmId>
    </OrgnlGrpInfAndSts>
    <OrgnlPmtInfAndSts>
      <OrgnlPmtInfId>PMTINF-2026-01</OrgnlPmtInfId>
      <TxInfAndSts>
        <OrgnlEndToEndId>E2E-REF-0001</OrgnlEndToEndId>
        <TxSts>RJCT</TxSts>
        <StsRsnInf>
          <Rsn>
            <Cd>MD06</Cd>
          </Rsn>
        </StsRsnInf>
      </TxInfAndSts>
    </OrgnlPmtInfAndSts>
  </CstmrPmtStsRpt>
</Document>

Tools for this code

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