MESSAGE pacs.002 Payment Status Report

The pacs.002 message is the response to the pacs.008 payment instruction.

For further detail on each element in the pacs.002, please refer to the Message Guidelines (Excel).

Acceptance and Rejection Messages

The pacs.002 message is used to respond to a pacs.008. A pacs.002 message can indicate either the acceptance or the rejection of a payment.

• The pacs.002 must reference the original pacs.008 by including the original in the section Transaction Information and Status.

• A pacs.002 message can indicate either the acceptance or the rejection of a payment.

• The Destination PSP must include the transaction status .

  • In the case the status is RJCT (reject) the pacs.002 must include a correct ISO 20022 Status Reason code, as listed below, in the element … >Transaction Status > Status Reason Information.

• The Instructing Agent and Instructed Agent need to be filled in the Transaction Information and Status section, not in the Group Header, in line with the CPMI guidelines.

• The Instructing Agent and Instructed Agent must be filled

Payment Status Codes

Please see Time critical vs non-time critical paymentsfor the list of payment status codes that can be used under each scenario.

Note that

Payment Status Reason codes

Reason codes are taken from the ISO 20022 External Code Set. The code set to be used for errors is the ExternalStatusReason1Code.

Translation of error codes: Nexus does not prescribe a specific message format for the interaction between the IPS and its Participants. Where an IPS uses a different error code list domestically, it is the responsibility of the IPSO to map their domestic error codes onto the ISO 20022 codes while keeping the highest level of detail. See Translation To/From Domestic Message Formats

Table: ISO 20022 Error Codes for use in Nexus

ExternalStatusReason1Code

AB01	AbortedClearingTimeout	Clearing process aborted due to timeout.
AB02	AbortedClearingFatalError	Clearing process aborted due to a fatal error.
AB03	AbortedSettlementTimeout	Settlement aborted due to timeout.
AB04	AbortedSettlementFatalError	Settlement process aborted due to a fatal error.
AB05	TimeoutCreditorAgent	Transaction stopped due to timeout at the Creditor Agent.
AB06	TimeoutInstructedAgent	Transaction stopped due to timeout at the Instructed Agent (the Destination SAP).
AB08	OfflineCreditorAgent	Creditor Agent is not online.
AB09	ErrorCreditorAgent	Transaction stopped due to error at the Creditor Agent.
AB10	ErrorInstructedAgent	Transaction stopped due to error at the Instructed Agent.
AC04	ClosedAccountNumber	Account number specified has been closed on the bank of account's books.
AC06	BlockedAccount	Account specified is blocked, prohibiting posting of transactions against it.
AC07	ClosedCreditorAccountNumber	Creditor account number closed
AC14	InvalidCreditorAccountType	Creditor Account type not allowed (f.e. savings account)
AG01	TransactionForbidden	Transaction forbidden on this type of account (formerly NoAgreement)
AG03	TransactionNotSupported	Transaction type not supported/authorized on this account
AG11	CreditorAgentSuspended	Creditor Agent of message is suspended from the Real Time Payment system.
AGNT	IncorrectAgent	Agent in the payment workflow is incorrect
AM02	NotAllowedAmount	Specific transaction/message amount is greater than allowed maximum
AM03	NotAllowedCurrency	Specified message amount is an non processable currency outside of existing agreement
AM04	InsufficientFunds	Amount of funds available to cover specified message amount is insufficient. This would be the case for the FXP account at the D-PSP.
AM05	Duplication	Duplication
AM06	TooLowAmount	Specified transaction amount is less than agreed minimum.
AM07	BlockedAmount	Amount specified in message has been blocked by regulatory authorities.
AM13	AmountExceedsClearingSystemLimit	Transaction amount exceeds limits set by clearing system
AM14	AmountExceedsAgreedLimit	Transaction amount exceeds limits agreed between bank and client
AM15	AmountBelowClearingSystemMinimum	Transaction amount below minimum set by clearing system
AM21	LimitExceeded	Transaction amount exceeds limits agreed between bank and client.
AM23	AmountExceedsSettlementLimit	Transaction amount exceeds settlement limit.
BE01	InconsistenWithEndCustomer	Identification of end customer is not consistent with associated account number. (formerly CreditorConsistency).
BE04	MissingCreditorAddress	Specification of creditor's address, which is required for payment, is missing/not correct (formerly IncorrectCreditorAddress).
BE05	UnrecognisedInitiatingParty	Party who initiated the message is not recognised by the end customer
BE06	UnknownEndCustomer	End customer specified is not known at associated Sort/National Bank Code or does no longer exist in the books
BE07	MissingDebtorAddress	Specification of debtor's address, which is required for payment, is missing/not correct.
CH11	CreditorIdentifierIncorrect	Value in Creditor Identifier is incorrect
CH20	DecimalPointsNotCompatibleWithCurrency	Number of decimal points not compatible with the currency
CH21	RequiredCompulsoryElementMissing	Mandatory element is missing
CNOR	CreditorBankIsNotRegistered	Creditor bank is not registered under this BIC in the CSM
CURR	IncorrectCurrency	Currency of the payment is incorrect
DU01	DuplicateMessageID	Message Identification is not unique.
DU02	DuplicatePaymentInformationID	Payment Information Block is not unique.
DU03	DuplicateTransaction	Transaction is not unique.
DU04	DuplicateEndToEndID	End To End ID is not unique.
DU05	DuplicateInstructionID	Instruction ID is not unique.
DUPL	DuplicatePayment	Payment is a duplicate of another payment
ED05	SettlementFailed	Settlement of the transaction has failed.
ED06	SettlementSystemNotAvailable	Interbank settlement system not available.
FF10	BankSystemProcessingError	File or transaction cannot be processed due to technical issues at the bank side
FR01	Fraud	Returned as a result of fraud.
MD07	EndCustomerDeceased	End customer is deceased.
MS02	NotSpecifiedReasonCustomerGenerated	Reason has not been specified by end customer
MS03	NotSpecifiedReasonAgentGenerated	Reason has not been specified by agent.
NARR	Narrative	Reason is provided as narrative information in the additional reason information.
RC04	InvalidCreditorBankIdentifier	Creditor bank identifier is invalid or missing
RC07	InvalidCreditorBICIdentifier	Creditor BIC identifier is invalid or missing
RC10	InvalidCreditorClearingSystemMemberIdentifier	Creditor ClearingSystemMember identifier is invalid or missing
RC11	InvalidIntermediaryAgent	Intermediary Agent is invalid or missing
RR02	MissingDebtorNameOrAddress	Specification of the debtor’s name and/or address needed for regulatory requirements is insufficient or missing.
RR03	MissingCreditorNameOrAddress	Specification of the creditor’s name and/or address needed for regulatory requirements is insufficient or missing.
RR04	RegulatoryReason	Regulatory Reason
TM01	InvalidCutOffTime	Associated message, payment information block, or transaction was received after agreed processing cut-off time.
UCRD	UnknownCreditor	Unknown Creditor.

Which error code is to be used in which situation is defined in the following diagram:

Message transformation of pacs.002 by Nexus

Please see the pacs.002 Nexus Message Usage Guidelines for details of the limited transformations made to this message.