Cancel transactions
SEPA Direct Debit
Cancel SDD payment
API service to cancel Sepa Direct Debit transactions.
POST
Cancel transactions
Overview
This endpoint stops a SEPA Direct Debit collection before settlement. What it does precisely depends on whether the collection is one you received or one you sent.Reject a collection you received (Outbound Reject)
When you hold the debtor’s account and want to refuse an incoming collection, this sends a rejection to the creditor. Allowed only while the transaction is in theAccepted status. In platform terms this is an OUTBOUND transaction - direction follows the funds that would leave your account.
Cancel a collection you sent (Inbound Cancel)
When you are the creditor and want to recall a collection you initiated, this sends a cancellation message (Accepted by the CSM until 11:30 EEST on settlement day). Allowed only while the transaction is in theAccepted status. In platform terms this is an INBOUND transaction - the funds were coming to you.
Note: Once a collection has settled it can no longer be cancelled. If the settled collection debited your account, use the Return SDD payment. If you were the collector, use the Reverse SDD payment.
Reason Codes
Thereason you send must match the action.
Reject reason codes
For rejecting a collection you received. UseMS02 for a debtor refusal.
AC01- Incorrect account numberAC04- Closed account numberAC06- Blocked accountAG01- Transaction forbiddenAG02- Invalid bank operation codeAM04- Insufficient fundsAM05- Duplicate collectionBE05- Unrecognised initiating party (creditor identifier incorrect)CNOR- Creditor bank not registeredDNOR- Debtor bank not registeredED05- Settlement failedFF01- Invalid file formatMD01- Unauthorised transaction (no valid mandate)MD02- Missing or incorrect mandate informationMD07- End customer deceasedMS02- Not specified reason, customer generatedMS03- Not specified reason, agent generatedRC01- Bank identifier incorrectRR01- Missing debtor account or identificationRR02- Missing debtor name or addressRR04- Regulatory reasonSL01- Specific service offered by the debtor bank
Cancellation reason codes
For cancelling a collection you sent.CUST- Cancellation requested by the debtorDUPL- Duplicate paymentAGNT- Incorrect agent in the payment workflowCURR- Incorrect payment currencyCUTA- Cancellation due to an investigation with no remediation possibleUPAY- Payment not justifiedTECH- Technical problems resulting in erroneous transactionFRAD- Fraudulently originated direct debit
Example: reject a collection you received
Send the reject before settlement, usingMS02 for a debtor refusal:
Body
application/json
Cancellation reason
Available options:
AC01, AC04, AC06, AG01, AG02, AM04, AM05, CNOR, DNOR, MD01, MD02, CUST, MD07, MS02, MS03, RC01, RR01, RR02, RR03, RR04, SL01, BE05, FF01, ED05, DUPL, AGNT, CURR, CUTA, UPAY, TECH, FRAD Array of transaction IDs
Minimum array length:
1Response
Payment scheduled for cancellation
Result of cancel transactions
Last modified on July 9, 2026