Errors & Return Reasons

Payment return reason codes

When a credit transfer or direct debit fails, the status is updated. The new status will be set to either FAILED or RETURNED depending on what happened. To help understand why the payment fails, the Atlar platform captions the fail reason no matter if the issue occurred in Atlar platform or Bank (given the Bank forwards the failure reason to Atlar). These codes can differ across formats and payment schemes, but where possibly Atlar will try to deliver fail and return reasons in the ISO 20022 standard (see tables below). For Swedish direct debit scheme AUTOGIRO, their proprietary codes are used (see tables below).

ISO Originator errors - Credit Transfers & Direct Debits

Reason Code	Description	Additional Info	Suggested Action
AC03	Invalid Creditor Account Number	Originator selected or entered the wrong IBAN of the beneficiary.	Update the counterparty to reflect the correct IBAN.
BE04	Missing Creditor Address	Either the Originator PSP or the Beneficiary PSP in the transaction is based in a non-EEA SEPA. country	Originator PSP to ask the Originator to provide the address of the Beneficiary.
BE05	Unrecognised Initiating Party	Creditor: Technical error or omission to report a CI (Creditor Identifier) amendment.	Correct the Creditor Identifier.
CNOR	Creditor Bank Is Not Registered	• Creditor PSP is not/ no longer registered as an SDD scheme participant under this BIC at the CSM	Contact the Creditor PSP.
MD01	No Mandate	• Debtor PSP has canceled the mandate under the rule of the 36 months inactivity period; • Debtor PSP was unable to obtain B2B mandate; • Refund for an unauthorised transaction (until 13 months after debit date) (For SDD Core collections only).	• Look into the details of the SDD collection; • Contact the Debtor in case of Refund.
MD02	Missing Mandatory Mandate Information in Mandate	• The way to amend the mandate is not in compliance with the SDD rulebook; • The amended information is not correct.	Make sure that you collect & present all required mandate details during customer onboarding.
RC04	Invalid or Missing BIC	The originator has not included/inserted a correct BIC for a transaction that requires a BIC, such as an international payment or a non-EEA SEPA payment.	In case the BIC is missing, add the BIC for the desired counterparty. In case the BIC is invalid, double-check the entered BIC.
RR01	Missing Debtor Account Or Identification	• Missing details about the Debtor account or identification. • Note: This code cannot be used in certain SEPA countries for reasons of data protection. MS03 could be used as an alternative.	• Contact the Debtor for the correct BIC of a non-EEA SDD Collection. • Ask Creditor PSP to allocate the correct and complete BIC of the Debtor PSP in the inter-PSP message.
RR02	Missing Debtor Name Or Address	• Missing Originator name (address is an optional field for EEA SCT transactions); • Missing address of the Originator for non-EEA SCT transactions. • Note: This code can't be used in certain SEPA countries for data protection reasons. MS03 could be used as an alternative.	Originator Bank to fix the transaction by completing the Originator's name and/or address information.
RR03	Missing Creditor Name Or Address	• Missing Creditor Name (address is an optional field for EEA SDD Collections). For collections in non-EEA countries, including your address is recommended. • Note: This code cannot be used in certain SEPA countries for reasons of data protection. MS03 could be used as an alternative.	• Fix the SDD collection in order to complete the Creditor name; • Contact the Creditor PSP.
RR04	Regulatory Reason	Note: This code cannot be used in certain SEPA countries for reasons of data protection. MS03 could be used as an alternative.	Contact the Creditor PSP.
DS02	Order cancelled	An authorized user has cancelled the order. This can be that a user cancelled an EBICS VEU/EDS signature order.	–
DS19	Electronic signature permissions insufficient.	The user’s permissions concerning digital signatures (e.g. EBICS VEU/EDS) are insufficient to execute the order.	Review your EBICS VEU/EDS setup and make sure the EBICS subscriber expected to sign can sign VEU orders.
DS24	Waiting time expired due to incomplete order	Waiting time for EBICS VEU/EDS signature expired.	Review your EBICS VEU/EDS setup and make sure the EBICS subscriber expected to sign can sign VEU orders.

ISO Debtor errors, Originator to Contact the Counterparty – Credit Transfers & Direct Debits

Reason Code	Description	Additional Info	Suggested Action
AC01	Incorrect Account Number	• Debtor gave incorrect data; • Originator used incorrect IBAN data from its customers' database; • Originator had a technical problem during the processing of collection issuance.	• Contact the Counterparty in order to get the correct IBAN. • For SDD – In case of mandate amendment: check the data provided by the Debtor.
AC04	Closed Account Number	• Counterparty closed their account since the last time the account. • Note: This code cannot be used in certain SEPA countries for data protection reasons. MS03 could be used as an alternative	Contact the Counterparty for new account information or agree on an alternative payment. method.
AC06	Blocked Account	• Account blocked for any financial transaction; • PSP blocked the account or the SDD collection due to a Court Order; • PSP has blocked the account (e.g., suspicion of misuse.	Contact the Counterparty for an alternative account/solution to pay.
AC13	Invalid Debtor Account Type	• Debtor (consumer) was not aware that the signing of a B2B mandate is restricted to non-consumers; • Payment account type does not allow/ support the debiting of SDD B2B collections; • Debtor gave information of a wrong payment account.	• Contact the Debtor for clarification and to agree on another means of payment; • Sign an SDD Core mandate with Debtor instead.
AG01	Transaction Forbidden	• Counterparty gave information of an account which SCT/SDD collections cannot be sent to/booked from (e.g. a savings account). • Note: AG01 cannot be used in the situation of an SDD B2B collection presented to a debtor account that is a consumer account. The code AC13 needs to be used.	Contact the Counterparty in order to agree on another payment account to be used or another payment instrument.
AM04	Insufficient Funds	• Debtor: Insufficient funds on his account; • Creditor: Lack of or late pre-notification announcing the upcoming SDD collection (date and amount). • Note: This code cannot be used in certain SEPA countries for data protection reasons. In this case, MS03 can be used as an alternative.	Contact the counterparty – Ensure that the Debtor provides funds to his account.
DNOR	Debtor Bank Is Not Registered	• Debtor PSP is not/ no longer registered as an SDD scheme participant under this BIC at the CSM.	• Ask the Creditor PSP for checking the reachability of the Debtor PSP. • Contact Debtor to agree on another means of payment.
MD01	No mandate	• Debtor PSP has canceled the mandate under the rule of the 36 months inactivity period; • Debtor PSP was unable to obtain B2B mandate; • Debtor has canceled their mandate; • Creditor: 1. Did not use a unique mandate reference (UMR) 2. Provided an SDD collection with a UMR which was not consistent with the mandate information	• Analyse the characteristics of the SDD collection to make sure that the mandate reference is unique & corresponds to the signed mandate. • Contact the Debtor in case of Refund.
MD06	Refund Request by End Customer	• Unconditional Refund of Collection (SDD Core – until 8 weeks after debit date); • Discrepancy between the amount announced in the pre-notification and the amount of the SDD Core collection; • Unconditional Refund right under the Payment Services Directive (PSD).	Contact the Debtor.
MD07	End Customer Deceased	• Deceased. • Note: This code cannot be used in certain SEPA countries for data protection reasons. In this case, MS03 can be used as an alternative.	Close the agreement with the deceased Counterparty.
MS02	Not Specified Reason Customer Generated	• Debtor receiving the prenotification decided to refuse the collection.	Contact the Debtor.
MS03	Not Specified Reason Agent Generated	• Only used in case national legislation does not allow the use of AC04, AM04, MD07, RR01, RR02, RR03, and RR04. e.g. in Germany.	Contact the Debtor.
RC01	Bank Identifier Incorrect / Invalid BIC of the recipient	• Originator: the provided BIC for a non-EEA SEPA SDD collection is not complete (BIC8 instead of BIC11).	• Contact the Counterparty for the correct BIC for a non-EEA SDD collection.
RR01	Missing Debtor Account Or Identification	• Missing details about the Debtor account or identification. • Note: This code cannot be used in certain SEPA countries for reasons of data protection. MS03 could be used as an alternative.	• Contact the Debtor for the correct BIC of a non-EEA SDD Collection. • Ask Creditor PSP to allocate the correct and complete BIC of the Debtor PSP in the inter-PSP message.
SL01	Specific Service Offered By Debtor Agent	• All Debtor–Invoked consumer-right rejects: 1. Creditor blocking; 2. Collection amount limitations; 3. Collection frequency limitations Other services offered by the Debtor PSP.	Contact the Debtor.

Autogiro - mapping

Autogiro reason codes are communicated to Atlar by Bankgirot, the local Swedish Clearing House. For failed Autogiro collections (Direct Debits) we will send you the reason codes to understand what happened to an underlying direct debit.

Reason Code	Definition
CANAMENDCOMM_	Cancelled/Changed Payments Comment Code
REJECTCOMM_	Rejected Payments Comment Code
SPECSTATUS_	Payments Specification Status Code
MANDADVINFO_	Mandate Advice Information Code
MANDADVCOMM_	Mandate Advice Comment Code

Autogiro - Payment Specification Status Codes

Reason Code	Meaning	Suggested Action
SPECSTATUS_0	Approved payment, payment executed	No Action needed.
SPECSTATUS_1	Insufficient funds, payment not executed	Contact the debtor to top-up the account or agree upon an alternative payment method.
SPECSTATUS_2	No connection to Autogiro (bank account closed), or the payer's bank has not approved the withdrawal (Other reason). The payment has not been executed	Contact the debtor for updated bank account information or agree upon an alternative payment method.
SPECSTATUS_9	Renewed funds, payment not executed but retry will be attempted if agreement in place. Note: Renewed funds only applies to incoming payments.	In case retries are configured and you’re still unable to collect the funds, contact the debtor to agree upon a payment method.

Autogiro – Rejected Payments Comment Codes

Reason Code	Meaning	Suggested Action
REJECTCOMM_01	Omitted, mandate not found	Make sure that you’ve sent the mandate details to the bank using Atlar’s dashboard or API. Alternatively, you can migrate active mandates to Atlar by flagging the status active. In the latter case, Atlar will not send the mandates to Bankgirot.
REJECTCOMM_02	Omitted, account not approved or closed	Contact the debtor to agree upon an alternative payment method.
REJECTCOMM_04	Incorrect payer number	Make sure that the mandate ID is correct and resubmit the collection to Bankgirot.
REJECTCOMM_06	Incorrect period code	Not applicable.
REJECTCOMM_07	Incorrect number for recurring payments	Not applicable.
REJECTCOMM_08 REJECTCOMM_09	Amount non-numeric Ban on outgoing payments	Not applicable.
REJECTCOMM_10	Bankgiro number not found at Bankgirot	Not applicable.
REJECTCOMM_12	Incorrect payment date	The payment date you specify may not be later than the current year plus two calendar years. Note that Atlar allows you to schedule payments for maximum of 60 days in the future.
REJECTCOMM_13	Payment date passed	The payment date has passed and the debtor did not have enough funds available. Contact the debtor to top-up the account or agree upon an alternative payment method.
REJECTCOMM_15	The payee bankgiro numbers in the opening record and the transaction record are not the same	Not applicable.
REJECTCOMM_24	Amount exceeds Max. amount	Initiate a new collection with the appropriate amount. The upper limit has been set previously while configuring Autogiro with your bank.

Autogiro – Cancellation/amendment of payments Comment codes

Comment Code	Meaning	Suggested Action
CANAMENDCOMM_01	Incorrect payment date	The payment date you specify may not be later than the current year plus two calendar years.
CANAMENDCOMM_02	Incorrect payer number	Make sure that the mandate ID is correct.
CANAMENDCOMM_04	Incorrect transaction code (occurs when 32 or 82 are missing)	Not applicable
CANAMENDCOMM_05	Incorrect amount	Initiate a new collection with the appropriate amount. The upper limit has been set previously while configuring Autogiro with your bank.
CANAMENDCOMM_06	Incorrect new payment date	The changed payment date is not within limits required by Autogiro. The payment date you specify may not be later than the current year plus two calendar years.
CANAMENDCOMM_10	Incorrect payee bankgiro number (incorrect check digit)	Not applicable.
CANAMENDCOMM_11	Payee bankgiro number missing (zero or blank)	Not applicable.
CANAMENDCOMM_12	Cancelled	Contact your debtor to agree upon an alternative payment method or configure a new Autogiro mandate.
CANAMENDCOMM_13	Payment missing, not processed	Not applicable.
CANAMENDCOMM_14	Amended payment date	No action needed.
CANAMENDCOMM_15	Note amended, recurring payment order	No action needed.
CANAMENDCOMM_18	Amended payment date	No action needed.

Autogiro - Mandate Advice Information Codes

Information Code	Meaning	Suggested Action
MANDADVINFO_03	Cancellation. Initiated by payee	Contact the debtor to agree on another means of payment.
MANDADVINFO_04	New addition. Initiated by payee	No action needed.
MANDADVINFO_05	Change payer number. Only permitted for mandates based on bank account number. Initiated by payee.	No action needed.
MANDADVINFO_10	Cancelled due to payee’s bankgiro number being closed. Initiated by payee or payee’s bank	Not applicable.
MANDADVINFO_42	Response to account inquiry from bank on new payer in Autogiro	Not applicable.
MANDADVINFO_43	Cancelled/removed due to unanswered account inquiry	Not applicable.
MANDADVINFO_44	Cancelled due to payer’s bankgiro number being closed. Initiated by payer’s bank	Not applicable.
MANDADVINFO_46	Cancellation. Initiated by payer or payer’s bank	Contact the debtor for another means of payment or configure a new Autogiro mandate.

Autogiro – Mandate Advice Comment Codes

Comment Code	Meaning	Suggested Action
MANDADVCOMM_02	Mandate canceled on the initiative of payer or payer’s bank	Contact the debtor for another means of payment or configure a new Autogiro mandate.
MANDADVCOMM_03	Account type not approved for Autogiro	Contact the debtor for the correct account details – for example, a checking account instead of the savings account.
MANDADVCOMM_04	Mandate not found in Bankgirot’s mandate directory	Make sure that the mandate has been sent to Bankgirot and activated. If not, resend the mandate details using Atlar’s API or Dashboard.
MANDADVCOMM_05	Incorrect bank account or personal details	Contact the debtor for correct details.
MANDADVCOMM_07	Cancelled/removed due to unanswered account inquiry	Not applicable.
MANDADVCOMM_09	Payer Bankgiro number not found at Bankgirot	Not applicable.
MANDADVCOMM_10	The payer number/mandateID you have specified for this mandate is already registered in Bankgirot's mandate directory.The combination of payer number/mandateID and payee Bankgiro number must be unique. Bankgirot ignores the new mandate and the existing mandate remains in use.Has been cancelled and cannot be registered until seven (7) Bank days have passed: The payer number you have specified has been used for another payer within the last seven (7) Bank days.	Mandate is already registered in Bankgirot's directory: Check the payer number and civic number that you specified. If you: - Have sent a duplicate you do not need to do anything. - Want to register a new mandate with the same civic number – change the payer number on the mandate and resend it to Bankgirot. Has been cancelled and cannot be registered until seven (7) Bank days have passed: Check the payer number and civic number that you specified. If you want to register a new mandate with the same payer number that was previously cancelled, you need to wait seven (7) Bank days before you resend the mandate.
MANDADVCOMM_20	Incorrect civic/company number or agreement on mandate based on bankgiro number not found	Correct the civic/company number. Contact the debtor if necessary.
MANDADVCOMM_21	Incorrect payer number	Make sure that the mandate ID is correct.
MANDADVCOMM_23	Incorrect bank account number	Check the account number against the payer’s mandate form. Contact the debtor to correct the account number of the payer.
MANDADVCOMM_29	Incorrect payee bankgiro number	Not applicable.
MANDADVCOMM_30	Deregistered payee bankgiro number	Not applicable.
MANDADVCOMM_32	New mandate	You can now send payment initiations associated with this mandate to Bankgirot.
MANDADVCOMM_33	Cancelled	Not applicable.
MANDADVCOMM_98	Mandate cancelled due to cancelled payer bankgiro number	Ask the payer to fill in a new mandate with a valid Bankgiro number or agree on another payment method.