V1

R-transaction

Payment failure type R-transaction
Mandate Reject  : Direct debits rejected by the debtor bank.
• Technical reasons, for example a wrong IBAN, missing mandatory information.
• The debtor bank cannot proceed with the collection, for example for the following reasons : closed account, deceased debtor, mandate canceled, no mandate.
Refusal  : The debtor asks for the payment to be refused (possible until the end of the working day before the direct debit date). An example would be the case when the debtor refuses to pay.
Payment issues (before the direct debit) Revocation  : The merchant or his/her bank revokes the direct debit (for example when a payment request is made by mistake). You have to check with your creditor bank the availability this service.

Request for cancellation : The merchant’s bank revokes the direct debit ( for example when a duplicate request is made by mistake). You have to check with you creditor wether this service is available.
Payment issues (after the direct debit) Return  : initiated by the debtor’s bank, for example because of insufficient funds. The deadline to make a Return in the Core system is at the latest 5 interbank working days after the collection deadline.
Reversal  : The merchant has cancelled the direct debit after the direct debit by the intermediary of a credit authorization (for example in the case of an unintended collection). Reversals has to be submitted within 5 days after the direct debit date. Reversals can be treated only after the payment and within 5 working days after the direct debit date. You have to check with your creditor bank the availability this service.
Refund Refund  : Return by the debtor’s bank (for example because of the payer blocking the payment).