Orca

SEPA Direct Debit B2B Reason Codes

24 codes that cover most of what an originator sees. Each one carries the decision: retry or stop, how long the receiving institution has to send it, what the guidance rests on, and when it was last checked.

What the tier labels mean, and how far this page has been checked
Draft
An agent wrote it from published material and nobody has checked it. Use it as a lead to confirm, never on its own as the basis for a retry, a return, a deadline or a compliance decision.
Corroborated
A validator found the same answer in one or more named public sources; the class in brackets says how strong they are. "Secondary sources only" means bank, processor or industry guides and nothing from the operator or regulator. Corroborated does not mean checked against the governing rulebook, so confirm before you act.
Verified
A person checked it against European Payments Council's own current text and recorded the edition and date. The strongest tier here, and still reference material, not legal or compliance advice.

On a rail fact, every detail line names the section or instrument it rests on and whether that is a rule, a law, operator guidance, or observed practice.

Known gaps in this build

Not yet covered: the thirteen month exposure of the Debtor PSP, and the bar on recovering it from the Creditor PSP, rest on Annex VI of EPC222-07 and on Annex V of EPC016-06, which the EPC marks as informational; the operative rulebook bodies do not state either; Annex VI still names the Compliance and Adherence Committee as the escalation route, while the Core rulebook change history records that body becoming the Dispute Resolution Committee in the 2019 v1.1 rulebook; Article 5(6) of Regulation 260/2012 requires the payer's PSP to check amount and periodicity where there is no refund right, but the PT-04.09 check list names neither; the tension is unresolved; Annexes I, II, III and VII of EPC222-07 were not read: the Adherence Agreement, the EPC Payment Scheme Management Rules, Risk Management and e-Mandates; the SWIFT message used for the inquiry procedure (DS-08) is called the suitable SWIFT message and is never identified; settlement mechanics, cut-off times and settlement finality under Directive 98/26/EC come from each CSM, not from the scheme; no CSM document was read; no national transposition of Directive (EU) 2015/2366 was read, so which businesses may lawfully opt out of the refund right, and where microenterprises count as consumers, is unknown; how many PSPs adhere to this scheme, and therefore how reachable it is in practice, was not established.