SEPA
AM09
Wrong amount
Category: Amount & Funds R-type: RFRO
SCT
Applies
SCT Inst
Applies
SDD Core
N/A
SDD B2B
N/A
Retryable
N/A — recovery request, not a retry
Generated by
Originator, via the originator bank (customer-initiated recovery request).
ISO 20022 definition
Amount received is not the amount agreed or expected.
Typical cause
The customer identifies that an incorrect amount was sent on a completed SCT/SCT Inst payment.
What to do about it
File an RFRO via your originator bank within 13 months; the beneficiary bank can legitimately decline if funds have already been applied.
Rulebook note
RFRO-specific — this is a customer-initiated recall reason for SCT/SCT Inst, not a return/reject code raised by a bank.
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