付款报文中存在结构或格式错误，导致接收银行无法处理。
FF01 is a technical rejection. The payment message itself is structurally wrong — a mandatory field is missing, a date is in the wrong format, an IBAN fails check-digit validation, or a BIC has the wrong number of characters.
This is the sender's bank's error, not yours. Contact your bank, quote the UETR and the FF01 code, and ask them to correct and resend the message.
联系您的（发款）银行，告知UETR和FF01代码，要求他们更正并重新发送报文。
Track your payment by UETR — free on Ohmyfin: SWIFT 追踪器
→ Full FF01 reference (English)