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SEPA MD06

Refund request by end customer

Category: Mandate R-type: Refund

SCT

N/A

SCT Inst

N/A

SDD Core

Applies

SDD B2B

N/A

Retryable

No

Generated by

Debtor, via their bank (no justification required).

ISO 20022 definition

Return of funds requested by end customer.

Typical cause

The debtor exercises the SDD Core 8-week no-questions-asked refund right on an authorized collection.

What to do about it

Accept — there is no contest right within the 8-week window. Investigate if recurrent on the same mandate, and review mandate validity. Track MD06 frequency as a customer-satisfaction signal alongside chargeback rates.

Rulebook note

SDD Core only — there is no MD06 equivalent in SDD B2B. A B2B debtor who wants to contest a collection must do so as an unauthorized claim (no valid mandate) through a different process, not MD06.

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

Related codes

MD01

No mandate

MD02

Mandate data missing or incorrect

MD07

End customer deceased