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SEPA BE05 Medium confidence

Party who initiated the message is not recognised by the end customer

Category: Agent & Format R-type: Reject

SCT

N/A

SCT Inst

N/A

SDD Core

Applies

SDD B2B

Applies

Retryable

Yes, after correction

Generated by

Debtor bank.

ISO 20022 definition

Party who initiated the message is not recognised by the end customer.

Typical cause

In SEPA operator usage this most commonly reflects an incorrect or unregistered Creditor Identifier — the Creditor ID in the collection message does not match a registered creditor. A common failure during new SDD program setup.

What to do about it

Verify your Creditor Identifier registration with your national competent authority/scheme, and confirm the correct Creditor ID is populated in every collection message before resubmitting.

Rulebook note

The article covers BE05 in prose rather than in the SDD table — it is grouped under agent/party-identification failures in ISO 20022 external code sets rather than the AG/FF table grouping. Confidence is medium relative to the table-sourced codes above.

Confidence: medium. 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

Related codes

AG01

Transaction forbidden

AG02

Invalid bank operation code

FF01

Invalid file format