SEPA Reason Codes - SCT Rückgabecode SEPA SDD Rückgabecode (2024)

Welcher DTA Rückgabegrund genau unter den Zahlen der R-Code Spalte zu verstehen ist, ist im Kapitel SEPA Rückläuferverarbeitung beschrieben.

ISO Code	ISO Name	Erläuterung	MT 9xx DTA C7b	Verwendung			Reason Codes		DTA
ISO Code	ISO Name	Erläuterung	MT 9xx DTA C7b	S C T	S D D	S C C	Bundes bank	Ande re CSM	R- Code
DS01	Electronic Signatures Correct	The electronic signature(s) is/are correct
DS02	Order Cancelled	An authorized user has cancelled the order
DS03	Order Not Cancelled	The user’s attempt to cancel the order was not successful
DS04	Order Rejected	The order was rejected by the bank side (for reasons concerning content)
DS05	Order Forwarded For Post processing	The order was correct and could be forwarded for post processing
DS06	Transfer Order	The order was transferred to VEU
DS07	Processing OK	All actions concerning the order could be done by the EBICS bank server
DS08	Decompression Error	The decompression of the file was not successful
DS09	Decryption Error	The decryption of the file was not successful
DS0A	Data Sign Requested	Data Signature is required.
DS0B	Unknown Data Sign Format	Data signature for the format is not available or invalid.
DS0C	Signer Certificate Revoked	The signer certificate is revoked.
DS0D	Signer Certificate Not Valid	The signer certificate is not valid (revoked or not active).
DS0E	Incorrect Signer Certificate	The signer certificate is not present.
DS0F	Signer Certification Authority Signer Not Valid	The authority of the signer certification sending the certificate is unknown.
DS0G	Not Allowed Payment	Signer is not allowed to sign this operation type.
DS0H	Not Allowed Account	Signer is not allowed to sign for this account.
DS0K	Not Allowed Number Of Transaction	The number of transaction is over the number allowed for this signer.
DS10	Signer 1 Certificate Revoked	The certificate is revoked for the first signer.
DS11	Signer 1 Certificate Not Valid	The certificate is not valid (revoked or not active) for the first signer.
DS12	Incorrect Signer 1 Certificate	The certificate is not present for the first signer.
DS13	Signer Certification Authority Signer 1 Not Valid	The authority of signer certification sending the certificate is unknown for the first signer.
DS14	User Does Not Exist	The user is unknown on the server
DS15	Identical Signature Found	The same signature has already been sent to the bank
DS16	Public Key Version Incorrect	The public key version is not correct. This code is returned when a customer sends signature files to the financial institution after conversion from an older program version (old ES format) to a new program version (new ES format) without having carried out reinitialisation with regard to a public key change.
DS17	Different Order Data In Signatures	Order data and signatures don’t match
DS18	Repeat Order	File cannot be tested; the complete order has to be repeated. This code is returned in the event of a malfunction during the signature check, e.g. not enough storage space.
DS19	Electronic Signature Rights Insufficient	The user’s rights (concerning his signature) are insufficient to execute the order
DS20	Signer 2 Certificate Revoked	The certificate is revoked for the second signer
DS21	Signer 2 Certificate Not Valid	The certificate is not valid (revoked or not active) for the second signer
DS22	Incorrect Signer 2 Certificate	The certificate is not present for the second signer
DS23	Signer Certification Authority Signer 2 Not Valid	The authority of signer certification sending the certificate is unknown for the second signer
DS24	Waiting Time Expired	Waiting time expired due to incomplete order
DS25	Order File Deleted	The order file was deleted by the bank server (for multiple reasons)
DS26	User Signed Multiple Times	The same user has signed multiple times
DS27	User Not Yet Activated	The user is not yet activated (technically)
DNOR	Debtor bank is not registered	Debtor bank is not registered under this BIC in the CSM
DT01	Invalid Date	Invalid date (eg, wrong settlement date) ungültiges Datum (z. B. falsches Abrechnungsdatum) Hinweis: Das Datum liegt nicht innerhalb des von der EBA vorgesehenen Zeitrahmens (cross-reference) bzw. nicht im Zeitkorridor des SEPA Clearers. Dieses wird vom SEPA Clearer auch vergeben, wenn Transaktionen, die zur Weiterleitung an die EBA bestimmt sind, im ersten Verarbeitungsfenster des SEPA-Clearer eingereicht werden Invalid Date wird auch von der EBA verwendet SEPA Reason Code bei: SCT PACS.004 SDD PACS.004 SCC PACS.004 SCC PACS.007		X	X	X	X
DT02	Invalid Creation Date	Invalid creation date and time in Group Header (eg, historic date)
DT03	Invalid Non Processing Date	Invalid nonbank processing date (eg, weekend or local public holiday)
DT04	Future Date Not Supported	Future date not supported
DT05	Invalid Cut Off Date	Associated message, payment information block or transaction was received after agreed processing cutoff date, i.e., date in the past.
DT06	Execution Date Changed	Execution Date has been modified in order for transaction to be processed
DU01	Duplicate Message ID	Message Identification is not unique.
DU02	Duplicate Payment Information ID	Payment Information Block is not unique.
DU03	Duplicate Transaction	Transaction is not unique.
DU04	Duplicate End To End ID	End To End ID is not unique.
DU05	Duplicate Instruction ID	Instruction ID is not unique.
DUPL	Duplicate Payment	Payment is a duplicate of another payment Doppelzahlung SEPA Reason Code bei: SCT CAMT.056 SDD CAMT.056	920	X	X		X
DT01	Invalid Date Range	Das Datum liegt nicht innerhalb des von anderen CSM vorgesehenen Zeitrahmens bzw. nicht im Zeitkorridor des SEPA Clearers. SEPA Reason Code bei: SCT PACS.002SCL SDD PACS.002SCL		X	X		X

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SEPA Reason Codes - SCT Rückgabecode SEPA SDD Rückgabecode (2024)

FAQs

What does SEPA mean on bank statement? ›

The Single Euro Payments Area (SEPA) is a mechanism that facilitates the standardisation of electronic payments denominated in euro across Europe. Under SEPA, all bank accounts must be identified by an International Bank Account Number (IBAN) and a Bank Identifier Code (BIC).

What is the SEPA payment purpose code? ›

SEPA Purpose Codes within SEPA XML GENERATOR allows a user to classify payments, informing the banking institute the purpose for the credit transfer. For example, letting the bank know that a transfer relates to a Salary payment.

What are the reasons for SEPA chargebacks? ›

Chargeback reasons

Holder has closed the account. Account specified is blocked. Insufficient funds. Debtor bank is not registered.

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What is the R message on SEPA direct debit? ›

What are R-messages? R-messages are used in reporting to indicate that an SDD transaction could not be processed (R-transaction) and what the underlying reason was. An R-message consists of a Reason Code and R-type and is stated on the (electronic) account statement.

What is SEPA SCT? ›

What is the SEPA Credit Transfer (SCT) Scheme? The SEPA Credit Transfer (SCT) scheme makes it possible to make cross-border electronic payments in euro throughout the current 33 SEPA countries as securely and efficiently as making the equivalent domestic payments.

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How to trace a SEPA payment? ›

All you need is to know the person's full name, IBAN, and BIC. You can track all the outgoing and incoming payments via the app or the web version.

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What is an example of a SEPA code? ›

SEPA Purpose Codes consist of 4 letters, for example: SALA - Salary. DIVD - Dividend. BONUS - Bonus Payment.

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Who uses SEPA? ›

All 27 EU member states (Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, and Sweden) are SEPA countries, as well as ...

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Is SEPA the same as ACH? ›

SEPA is the ACH equivalent in Europe and stands for Single Euro Payments Area. It helps process bank transfers denominated in euros. It allows customers to make cashless Euro payment transfers via credit transfer or direct debit to anywhere in the European Union and select non-EU countries.

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Why is chargeback so bad? ›

From a financial perspective, you not only lose the money, but also the product or service that you sold to the customer as they won't return it. Chargeback disputes all take up a considerable amount of time as you need to provide documents and evidence to the payment provider.

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Why do you get banned for chargeback? ›

A chargeback, or payment reversal, occurs when a financial institution cancels an existing payment at your request. As a chargeback can indicate you suspect fraud or account take-over, we will suspend your account or console to protect it while we investigate.

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What is the reason code AM04 for SEPA? ›

AM04 Insufficient Funds No funds in the debtors account Note: This code cannot be used in certain SEPA countries for reasons of data protection.

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What are the R transactions in SEPA credit transfer? ›

An R-transaction can also occur for a SEPA credit transfer both before and after the due date. The “Reject” transaction also occurs here before the due payment amount is settled and is initiated by the bank if a debtor has ordered an incorrect transfer or there are technical errors.

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What are SEPA messages? ›

SEPA Credit messages are XML files composed of 3 building blocks: Group Header - It contains elements such as Message Identification, Creation Date and Time. Payment Information - Contains Debtor and Payment Type Information for one or more Transaction Information Blocks.

How do I stop a SEPA payment? ›

To revoke SEPA Direct Debit authorization, customers simply need to inform their bank in writing indicating a reason for canceling the authorization. The bank will then inform the business of such cancellation and not collect any further payments, or return the amount in question.

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What is a SEPA transaction? ›

Thanks to the Single Euro Payments Area (SEPA), customers can make cashless euro payments – via credit transfer and direct debit – to anywhere in the European Union, as well as a number of non-EU countries, in a fast, safe and efficient way, just like national payments.

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What is the payment term SEPA? ›

The single euro payments area (SEPA) is a system of transactions created by the European Union (EU). The SEPA harmonizes the way cashless payments are transacted between euro countries.

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Why is there a SEPA DD on my account? ›

SEPA stands for “Single Euro Payments Area.” SEPA Direct Debits are a secure and reliable payment method that has been specifically developed to process payments within the European Union. It is used to process cashless payment transactions by almost all EU member states.

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