Mandate reason codes

Format of the account number specified is not correct

Account number specified has been closed on the Receiver's books

Account specified is blocked, prohibiting posting of transactions against it.

Transaction forbidden on this type of account (formerly NoAgreement)

Bank Operation code specified in the message is not valid for receiver

Specific transaction/message amount is greater than allowed maximum

Specified message amount is a non processable currency outside of existing agreement

Duplication.

Identification of end customer is not consistent with associated account number. (formerly CreditorConsistency).

Specification of creditor's address, which is required for payment, is missing/not correct (formerly IncorrectCreditorAddress).

Party who initiated the message is not recognised by the end customer

End customer specified is not known at associated Sort/National Bank Code or does no longer exist in the books

Specification of debtor's address, which is required for payment, is missing/not correct.

Invalid date (eg, wrong settlement date)

File format incomplete or invalid

No Mandate

Mandate related information data required by the scheme is missing.

End customer is deceased.

Receiving agent does not offer specified Mandate services

Account is not open to specified Mandates services

Account is not open to specified Mandates services for this particular creditor

Agent to whom the message needs to be forwarded cannot be located

Mandate identification is not unique to the creditor

There is a problem with the customer authentication

Agent in the payment workflow is incorrect

Currency of the transaction is incorrect

Cancellation/amendment requested by the debtor

Cancellation/amendment requested by the creditor

Cancellation/amendment requested by the creditor and the debtor

Mandate cancellation following early reimbursement of the debit by the debtor

Mandate cancellation following validity expiration

Mandate cancellation due to suspected fraud

Mandate cancellation following mandate initiation cancellation

Mandate cancellation following mandate amendment cancellation

Reason has not been specified by end customer

Reason has not been specified by agent.

Reason is provided as narrative information in the additional reason information.

Bank Identifier code specified in the message has an incorrect format (formerly IncorrectFormatForRoutingCode).

Transaction reference is not unique within the message.

Specification of the debtor’s account or unique identification needed for reasons of regulatory requirements is insufficient or missing

Specification of the debtor’s name and/or address needed for regulatory requirements is insufficient or missing.

Specification of the creditor’s name and/or address needed for regulatory requirements is insufficient or missing.

Regulatory Reason

Due to specific service offered by the Debtor Agent

Whitelisting service offered by the Debtor Agent; Debtor has not included the Creditor on its “Whitelist” (yet). In the Whitelist the Debtor may list all allowed Creditors to debit Debtor bank account.

Blacklisting service offered by the Debtor Agent; Debtor included the Creditor on his “Blacklist”. In the Blacklist the Debtor may list all Creditors not allowed to debit Debtor bank account.

Due to Maximum allowed Direct Debit Transactions per period service offered by the Debtor Agent.

Due to Maximum allowed Direct Debit Transaction amount service offered by the Debtor Agent.