SEPA
MD02
Mandate data missing or incorrect
Category: Mandate 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
Mandate related information data required by the scheme is missing.
Typical cause
Mandatory mandate fields — mandate reference, signature date, creditor identifier — are absent or malformed in the collection message.
What to do about it
Validate mandate data completeness at capture time; correct and resubmit.
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