SEPA
MD07
End customer deceased
Category: Mandate R-type: Reject / Return
SCT
N/A
SCT Inst
N/A
SDD Core
Applies
SDD B2B
Applies
Retryable
No
Generated by
Debtor bank.
ISO 20022 definition
End customer is deceased.
Typical cause
The account holder has died.
What to do about it
Deactivate the mandate immediately; do not attempt further collections. Route to your bereavement/estate-handling process.
Rulebook note
EPC SDD guidance permits MS03 to substitute for MD07 where national law restricts disclosure. An MS03 alone does not identify the hidden reason.
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