SEPA
AG10
Agent suspended from instant scheme
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
SCT Inst scheme infrastructure.
ISO 20022 definition
Agent of message is suspended from the Real Time Payment system.
Typical cause
A bank in the payment chain has been excluded from the SCT Inst network, generically (could be either side).
What to do about it
Retry after a brief interval, or route via standard SCT if the suspension persists — this is a scheme-participation issue at the bank level, not something the customer or operator can fix directly.
Rulebook note
SCT-Inst-specific infrastructure code.
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