AG04 – The agent’s country code is missing or invalid

AG04 – Agent country code is missing or invalid

In payment systems, an “agent” refers to a bank or payment intermediary, for example:

• Debtor Agent = the payer’s bank

• Creditor Agent = the beneficiary’s bank

Causes:

• Missing country code: The country code for the agent is not included in the payment file (e.g., "NO", "SE", "DK")

• Invalid country code: The country code is incorrectly formatted according to the ISO20022 standard (e.g., "NOR" instead of "NO")

Solution:

• Add a valid country code for the agent ("NO", "DK", "SE")

• Ensure the code is in the correct format (e.g., "NO" instead of "no" or "NOR")