For SEPA direct debits, all communications are made with the banking system directly. Receiving and understanding these messages is crucial for collecting payments by SEPA direct debits. If there is a problem while setting the mandate or following a payment order, the bank will send us a message to notify us. These messages are received as "R" codes and mean : Refund, Refusal, Reject, Return, Reversal, Request for cancellation or Revocation. Here is a short description for each.