Root Cause

• Incorrect Creditor Identifier provided: The creditor information submitted in the transaction request is invalid or does not comply with the required format.

• Missing or malformed creditor details: Mandatory fields for creditor identification are missing or improperly structured.

• Outdated or deactivated creditor information: The provided creditor details are no longer valid or have been deactivated by the payment processor.

• Non-compliance with SEPA or regional regulations: The Creditor Identifier does not meet the regulatory standards required for processing direct debits.

Troubleshooting and Solutions

• Verify that the Creditor Identifier is accurate and correctly formatted according to the payment scheme requirements.

• Update the creditor details in the system if there have been recent changes to the registered information.

• Retry the transaction only after ensuring that all required creditor information is valid and complete.

• If the issue persists, contact the payment gateway or financial institution to verify and obtain the correct Creditor Identifier.

• Implement validation rules in the transaction workflow to prevent submission of incorrect or incomplete creditor data.