SEPA
AB06
Timeout at instructed agent
Category: SCT Inst Infrastructure R-type: Return
SCT
N/A
SCT Inst
Applies
SDD Core
N/A
SDD B2B
N/A
Retryable
Yes
Generated by
An intermediate agent in the payment chain.
ISO 20022 definition
Transaction stopped due to timeout at the Instructed Agent.
Typical cause
An intermediate agent failed to respond within the 10-second SCT Inst window.
What to do about it
Retry after a brief interval — an infrastructure/connectivity issue, not an account issue.
Rulebook note
SCT-Inst-specific — the article documents this explicitly as one of the SCT Inst-specific timeout codes.
Confidence: high.
Sourced from PaymentBrief's SEPA R-transaction reference article, cross-verified against ISO 20022 external code sets and EPC guidance documents. Reason-code applicability and timing windows vary by rulebook version and bank handling — verify against your bank or PSP before acting.
Full reference
SEPA Return and Reject Codes: The R-Transaction Reference