SEPA
SL01
Specific debtor bank service
Category: Debtor Refusal & Unspecified R-type: Reject / Return
SCT
N/A
SCT Inst
N/A
SDD Core
Applies
SDD B2B
Applies
Retryable
No, until customer action
Generated by
Debtor bank, enforcing a debtor-configured service restriction.
ISO 20022 definition
Due to specific service offered by the Debtor Agent.
Typical cause
The creditor is not on the debtor's whitelist, or the collection exceeds a limit the debtor configured with their bank (a common SDD B2B mandate-limit control).
What to do about it
Contact the customer to have them add the creditor to their whitelist, or check B2B mandate amount limits, before resubmitting.
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