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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 the Accepted 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 the Accepted 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

The reason you send must match the action.

Reject reason codes

For rejecting a collection you received. Use MS02 for a debtor refusal.
  • AC01 - Incorrect account number
  • AC04 - Closed account number
  • AC06 - Blocked account
  • AG01 - Transaction forbidden
  • AG02 - Invalid bank operation code
  • AM04 - Insufficient funds
  • AM05 - Duplicate collection
  • BE05 - Unrecognised initiating party (creditor identifier incorrect)
  • CNOR - Creditor bank not registered
  • DNOR - Debtor bank not registered
  • ED05 - Settlement failed
  • FF01 - Invalid file format
  • MD01 - Unauthorised transaction (no valid mandate)
  • MD02 - Missing or incorrect mandate information
  • MD07 - End customer deceased
  • MS02 - Not specified reason, customer generated
  • MS03 - Not specified reason, agent generated
  • RC01 - Bank identifier incorrect
  • RR01 - Missing debtor account or identification
  • RR02 - Missing debtor name or address
  • RR04 - Regulatory reason
  • SL01 - Specific service offered by the debtor bank

Cancellation reason codes

For cancelling a collection you sent.
  • CUST - Cancellation requested by the debtor
  • DUPL - Duplicate payment
  • AGNT - Incorrect agent in the payment workflow
  • CURR - Incorrect payment currency
  • CUTA - Cancellation due to an investigation with no remediation possible
  • UPAY - Payment not justified
  • TECH - Technical problems resulting in erroneous transaction
  • FRAD - Fraudulently originated direct debit

Example: reject a collection you received

Send the reject before settlement, using MS02 for a debtor refusal:

Body

application/json
reason
enum<string>
required

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
transactionIds
integer<int64>[]

Array of transaction IDs

Minimum array length: 1

Response

Payment scheduled for cancellation

result
object
required

Result of cancel transactions

Last modified on July 9, 2026