SEPA
AB08
Creditor agent offline
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
Creditor/beneficiary bank.
ISO 20022 definition
Creditor Agent is not online.
Typical cause
The beneficiary bank's system was down at the time of the transaction.
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/connectivity codes, alongside AB06.
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