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Message Selection Guide Message Selection Guide

Choose the pacs family by business event first, then by scheme and operating model.

Quick decision matrix Quick decision matrix

Message typeDescriptionBayyani
pacs.002.001.12Rahoton matsayin biyan kuɗi tsakanin cibiyoyin kuɗiThe pacs.002 message reports the status of an earlier payment instruction. It tells another institution whether the payment was accepted, rejected, pending, or settled.
pacs.003.001.09Cire kuɗi kai tsaye na abokin ciniki tsakanin cibiyoyin kuɗiThe pacs.003 message carries a customer direct debit between banks. It lets the creditor bank collect funds from the debtor bank.
pacs.004.001.11Mayar da biyan kuɗiThe pacs.004 message returns a payment that has already settled. It sends funds back when a payment cannot be applied.
pacs.007.001.11Soke biyan kuɗi tsakanin cibiyoyin kuɗiThe pacs.007 message reverses an earlier payment instruction. Unlike pacs.004, it starts from the original sender.
pacs.008.001.13Canja wurin kuɗi na abokin ciniki tsakanin cibiyoyin kuɗiThe pacs.008 message is the main customer credit-transfer instruction between banks. It carries party, amount, and remittance data.
pacs.009.001.10Canja wurin kuɗi tsakanin cibiyoyin kuɗiThe pacs.009 message moves funds between banks on their own behalf. It supports funding, cover payments, and liquidity management.
pacs.010.001.05Cire kuɗi kai tsaye tsakanin cibiyoyin kuɗiThe pacs.010 message lets one financial institution debit another institution's own account. It is for bank-to-bank collections, not customer direct debits.
pacs.028.001.05Neman matsayin biyan kuɗi tsakanin cibiyoyin kuɗiThe pacs.028 message asks another institution for the status of an earlier payment. It is a targeted status query for delayed, unclear, or missing payment updates.

Common comparison points Common comparison points

CompareKey distinction
pacs.008 vs pacs.009Customer payment versus institution / cover movement
pacs.004 vs pacs.007Return from receiving side versus reversal from instructing side
pacs.002 vs pacs.028Status report versus status request

Supported message pages Supported message pages

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