generated: '2026-09-02'
method: derived
source: 'Derived from the enumerations and operation descriptions in
  openapi/tietoevry-sepa-direct-debit-api-gateway.yaml and the transactionStatus enums shared across the XS2A
  payment specs in openapi/. No standalone decline-code reference page is published by the provider.'
note: 'Tietoevry is a payment-initiation and direct-debit provider rather than a card acquirer, so there is no
  card decline-code table. The equivalent surface is the pair of ISO 20022 external code sets it returns: a
  transaction status on every payment, and a SEPA Direct Debit R-transaction reason code on every reversal.
  Only the codes the contracts actually enumerate or name are listed here.'
envelope_field: transactionStatus
reason_code_field: reasonCode
masked_to_buyers: 'Not applicable / not documented. The provider gives no guidance on which codes may be
  shown to a payment service user; the envelope carries a separate free-text psuMessage field which is the
  only element explicitly intended for display.'
transaction_statuses:
- code: RCVD
  meaning: Received. The payment or recall has been received by the ASPSP but not yet authorised.
  action: Send the PSU to the scaRedirect link to authorise.
- code: PDNG
  meaning: Pending. Awaiting further processing.
  action: Poll the status endpoint.
- code: PATC
  meaning: AcceptedTechnicalValidation with a multi-authorisation still incomplete.
  action: Collect the remaining authorisations.
- code: ACTC
  meaning: AcceptedTechnicalValidation. Syntactical and semantic validation passed.
  action: None; continue polling.
- code: ACCP
  meaning: AcceptedCustomerProfile. Profile checks passed.
  action: None.
- code: ACFC
  meaning: AcceptedFundsChecked. Funds availability confirmed.
  action: None.
- code: ACSP
  meaning: AcceptedSettlementInProcess. Settlement has started.
  action: Cancellation is generally no longer possible.
- code: ACSC
  meaning: AcceptedSettlementCompleted. Settled on the debtor side.
  action: Terminal success. Reversal, where available, is a recall or refund rather than a cancellation.
- code: ACCC
  meaning: AcceptedSettlementCompleted, creditor account credited.
  action: Terminal success.
- code: ACWC
  meaning: AcceptedWithChange. Accepted, but the ASPSP altered an element.
  action: Read the returned payment to see what changed.
- code: ACWP
  meaning: AcceptedWithoutPosting. Accepted without posting to the creditor account.
  action: None.
- code: PART
  meaning: PartiallyAccepted. Only some transactions of a bulk were accepted.
  action: Read the bulk response to find the rejected members.
- code: CANC
  meaning: Cancelled.
  action: Terminal.
- code: CNCL
  meaning: Cancelled (SEPA Direct Debits gateway spelling).
  action: Terminal.
- code: PDCR
  meaning: PendingCancellationRequest.
  action: Poll until CANC or the cancellation is refused.
- code: RJCR
  meaning: RejectedCancellationRequest. The cancellation itself was refused.
  action: 'The payment stands. Escalate to a recall, refund or chargeback depending on the product.'
- code: RJCT
  meaning: Rejected. Terminal failure of the payment or request.
  action: Read tppMessages[] for the ERROR entry carrying the reason.
sepa_dd_reason_codes:
- code: MD01
  meaning: No Mandate.
  used_on: rejectPayment (debtor role)
  action: The debtor is refusing a collection for which no valid mandate exists; the creditor must obtain one
    before re-presenting.
  source: openapi/tietoevry-sepa-direct-debit-api-gateway.yaml operation rejectPayment description
- code: MD05
  meaning: Collection not due.
  used_on: cancelPayment (creditor role)
  action: Used by the creditor to cancel (reverse) a collection that should not have been presented.
  source: openapi/tietoevry-sepa-direct-debit-api-gateway.yaml operation cancelPayment description
- code: MD06
  meaning: Refund request by end customer.
  used_on: chargebackPayment (debtor role)
  action: The debtor is claiming a refund for an authorised collection; the creditor receives the chargeback
    through the Creditor-Notification-URI webhook.
  source: openapi/tietoevry-sepa-direct-debit-api-gateway.yaml ReasonCode enum and chargebackPayment
    description
coverage_note: 'The ReasonCode enum in the published contract carries only MD05 and MD06; MD01 is named in
  prose but is not in the enum. The full SEPA R-transaction reason set (AC01, AC04, AC06, AM04, MD02, MD07,
  MS02, MS03, SL01 and the rest) is NOT enumerated in anything Tietoevry publishes, so an integrator cannot
  build an exhaustive handler from the public contract.'