SEPA
MS02
Not specified — customer-generated
Category: Debtor Refusal & Unspecified R-type: Refusal / Return
SCT
N/A
SCT Inst
N/A
SDD Core
Applies
SDD B2B
Applies
Retryable
No
Generated by
Debtor (via their bank) — a customer-instructed block, not a bank-side decision.
ISO 20022 definition
Reason has not been specified by end customer.
Typical cause
The debtor has told their bank not to honor this specific collection, with no further reason given.
What to do about it
Contact the customer and investigate the reason before any retry. A pattern of MS02 on the same mandate is a customer-relationship signal, not a technical fault.
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