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Status

Binnen SEPA incasso verloopt alle communicatie direct met het banksysteem. Als je SEPA incasso’s wilt incasseren, is het dus heel belangrijk dat je deze berichten begrijpt.

1. RETURN

Terugboeking geïnitieerd door de bank van de betaler, bijvoorbeeld als er te weinig geld op de rekening van de klant staat. Dit kan tot 5 interbancaire werkdagen na de incassodatum. Voor Zakelijke Europese incasso is dit teruggebracht naar 2 interbancaire werkdagen.

2. REJECT

SEPA incasso’s die worden geweigerd door de bank van de betaler.

  • Technische redenen zoals ontbrekende IBAN of andere informatie.
  • De bank van de betaler kan de incasso niet verwerken: rekening gesloten, rekeninghouder overleden, machtiging geannuleerd of geen machtiging.

3. REFUSE

Betaling is geweigerd door de klant zelf, alles was wel in orde maar klant is niet akkoord.

4. REFUND

Terugboeking door de bank van de betaler (bijvoorbeeld als gevolg van bezwaar van de betaler)

Reason codes

SDD Reason Codes – mixed for return, refund & reject

  • AC01 Account Identifier (IBAN) Incorrect
  • AC04 Account closed
  • AC06 Account blocked
  • AC13 InvalidDebtorAccountType
  • AG01 Direct Debit forbidden on this account for regulatory reasons
  • AG02 Bank Operation code specified in the message is not valid for receiver
  • AM05 Duplication collection
  • BE05 Identifier of the Creditor Incorrect
  • FF01 File Format incomplete or invalid
  • MD01 No valid mandate
  • MD02 Mandate data missing or incorrect
  • MD06 Disputed authorized transaction
  • MD07 Debtor Deceased
  • MS02 Refusal by the Debtor
  • MS03 Reason not specified
  • PY01 Not routable
  • RC01 Bank Identifier (BIC) Incorrect
  • RR01 Regulatory Reason
  • RR02 Regulatory Reason
  • RR03 Regulatory Reason
  • SL01 Specific Service offered by the Debtor Bank
  • SDD Return Reason Codes
  • ISO Code Reason as specified in the Rulebook
  • AC01 Account Identifier Incorrect (Invalid IBAN)
  • AC04 Account closed
  • AC06 Account blocked
  • AM04 Insufficient funds (only for debtor not in Belgium)
  • AG01 Direct Debit forbidden on this account for regulatory reasons
  • AG02 Bank Operation code specified in the message is not valid for receiver
  • AM05 Duplication collection
  • BE05 Identifier of the Creditor Incorrect
  • MD01 No valid mandate
  • MD07 Debtor Deceased
  • MS02 Refusal by the Debtor
  • MS03 Reason not specified
  • RC01 Bank Identifier Incorrect (i.e. invalid BIC)
  • RR01 Regulatory Reason
  • RR02 Regulatory Reason
  • RR03 Regulatory Reason
  • SL01 Specific Service offered by the Debtor Bank

SDD Refund Reason Codes

  • MD01 No Mandate
  • MD06 Disputed authorised transaction

SDD Reject Reason Codes

  • AC01 Account Identifier Incorrect (Invalid IBAN)
  • AC04 Account closed
  • AC06 Account blocked
  • AG01 Direct Debit forbidden on this account for regulatory reasons
  • AG02 Bank Operation code specified in the message is not valid for receiver
  • AM05 Duplication collection
  • BE05 Identifier of the Creditor Incorrect
  • FF01 File Format incomplete or invalid
  • MD01 No valid mandate
  • MD02 Mandate data missing or incorrect
  • MD07 Debtor Deceased
  • MS02 Refusal by the Debtor
  • MS03 Reason not specified
  • PY01 Not routable
  • RC01 Bank Identifier Incorrect (i.e. invalid BIC)
  • RR01 Regulatory Reason
  • RR02 Regulatory Reason
  • RR03 Regulatory Reason
  • SL01 Specific Service offered by the Debtor Bank
status.txt · Laatst gewijzigd: 2017/09/08 15:31 door kristof