What are the main SDD return reason codes ?

SDD (Core or B2B) return main reasons codes, as well as recommended associated actions are listed below.

Return reason codes and descriptions are systematically indicated in the SDD return transaction in your LW environment. 

RETURN REASON CODE

RETURN REASON DESCRIPTION

SUGGESTED CREDITOR ACTIONS

AC01

Account identifier incorrect (ex: invalid IBAN of the Debtor, debtor bank account not in EUR)

• Contact debtor in order to confirm correctness of debtor IBAN

• Correct debtor IBAN in LW environment

• Issue new SDD instruction

OR

• Agree on another payment method (ex: bank transfer) with debtor

AC04

Account closed

• Contact debtor in order to get other bank details

• Correct debtor IBAN in LW environment

• Issue new SDD instruction

OR

• Agree on another payment method (ex: bank transfer) with debtor

AC06

Account blocked

• Contact debtor in order to get other bank details

• Correct debtor IBAN in LW environment

• Issue new SDD instruction

OR

• Agree on another payment method (ex: bank transfer) with debtor

AC13

Debtor account is a consumer account (For SDD B2B collections only)

• Contact debtor in order to get business bank account details

• Correct debtor IBAN in LW environment

• Issue new SDD instruction

OR

• Agree on another payment method (ex: bank transfer) with debtor

OR

• Conclude SDD Core mandate with debtor

• Issue new SDD instruction

AG01

Direct Debit forbidden on this account for regulatory reasons (ex: savings account)

• Contact debtor in order to get other bank details

• Correct debtor IBAN in LW environment

• Issue new SDD instruction

OR

• Agree on another payment method (ex: bank transfer) with debtor

AM04

Insufficient funds

• Contact debtor in order to ensure he/she provides funds on his account

• Issue new SDD instruction

OR

• Agree on another payment method (ex: bank transfer) with debtor

AM05

Duplication

• Check if collection is really duplicated

MD01

No mandate or unable to obtain mandate confirmation from the debtor (SDD B2B only)

• Contact debtor in order to ask him/her to provide his/her bank with the signed mandate

• Issue new SDD instruction

OR

• Agree on another payment method (ex: bank transfer) with debtor

MD07

Debtor deceased

• Close the agreement with deceased debtor

MS02

Refusal by the Debtor

• Contact debtor

MS03

Reason not specified

(one of the most common reason codes)

• Contact debtor


Return reason code “quality” may vary from one debtor bank to the other. LW does not have additional info to be shared with you and cannot contact the debtor bank in case you feel that a reason code is incorrect/unclear.

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