GLOBAL PAYMENTS KNOWLEDGEISO 20022 / SWIFT / SEPA / MT / MX
PAYMENTSSIGNAL

The interactive academy for the standards, messages, and rails that move money.

PROGRESS
BREAK IT · SEPA DIRECT DEBIT — CORE

What happens when this goes wrong?

Every other page shows this payment working. Here you choose what breaks, and follow the damage — because a hold, a return or a missed cut-off is the system working as designed, and reading one calmly is the job.

CHOOSE WHAT GOES WRONG

Pick a failure above. Nothing here is invented — each one is a reason code this rail really uses, at the step where it really strikes.

EVERY FAILURE ON THIS RAIL

  • AM04Step 7: Bank Alfa debits Riya — Insufficient funds — Bank Alfa returns the collection
  • REFUNDStep 8: Nordbank credits Asha Traders — Riya asks for a no-questions-asked refund within 8 weeks
  • DUPLStep 8: Nordbank credits Asha Traders — Nordbank discovers its creditor-side processing created an erroneous duplicate collection

One CSM, one settlement cycle, direct participants only, with pre-notification shown as a single step. Real SEPA Core direct debits batch many collections, honour fixed pre-notification lead times, and may run through indirect participants. Every failure here is authored on SEPA Direct Debit — Core, with the sources that back it.