9.2 Cross Border Inbound Return Processing

When an outbound MT103 is returned by a beneficiary bank for the reasons such as IBAN is invalid/IBAN is not available or any other validations being failed, then the Inbound return message needs to be mapped with the original MT103 as below:

If Line 1 of field 72 (Sender to Receiver information) of the incoming message starts with the code '/RETN/' or '/REJT/' and if Line 3 of field 72 has '/MREF/' followed by the transaction reference (field 20 of the outgoing message), then the incoming message needs to be treated as a Return transaction. Once the return transaction is received and processed, Original/ Return Transaction Reference field for Inbound (Return Transaction) is updated with the Original Outbound Transaction Reference. Similarly, Original/Return Transaction Reference field for Outbound (Original Transaction) is updated with the Return Inbound Transaction Reference.