← ISO 20022 Reason Codes
ISO 20022 reason code · pacs.002 · pacs.004

MS03Reason not specified, agent generated

What does reason code MS03 mean?

Reason not specified, agent generated. Reason has not been specified by agent.

Code
MS03
Group
Generic
Used in
pacs.002 (reject or status report), pacs.004 (return of funds)

What to do when you receive MS03

  • The bank did not say why. Do not read it as "retry later".
  • Treat it as unknown: contact the customer or the bank before resending.

In SEPA

Some SEPA banks use MS03 in place of a specific code such as AM04, AC04 or MD07, where national data-protection rules stop them giving the real reason.

Definition by message

MessageISO 20022 definition
pacs.002Reason has not been specified by agent.TxInfAndSts/StsRsnInf/Rsn/Cd
pacs.004Reason has not been specified by agent.TxInf/RtrRsnInf/Rsn/Cd

Decode any value

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Open the ISO 20022 Reason Codes

Related codes

MS02Reason not specified, customer generatedAM04Insufficient fundsAC04Closed account numberMD07End customer deceasedNARRNarrative reason

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