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SEPA RR02

Missing debtor name or address

Category: Regulatory R-type: Reject / Return

SCT

Applies

SCT Inst

Applies

SDD Core

Applies

SDD B2B

Applies

Retryable

No — compliance review required

Generated by

Debtor bank or the compliance function in the payment chain.

ISO 20022 definition

Specification of the debtor's name and/or address needed for regulatory requirements is insufficient or missing.

Typical cause

Debtor name or address required for regulatory compliance is absent or invalid. Extended in EPC guidance v6.0/v8.0 (November 2024) to cover structured-address format violations — from October 2025, the 2025 rulebooks require hybrid or structured address formats, phasing out unstructured formats by November 2026.

What to do about it

Do not retry without compliance review. If volume rose after October 2025, check whether your integration is sending structured/hybrid address fields rather than a single unstructured address line.

Rulebook note

Shared across SCT, SCT Inst, and SDD. The November 2024 EPC guidance update added structured-address requirements to this code.

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

RR01

Missing debtor account or identification

RR03

Missing creditor name or address

RR04

Regulatory reason