Is pacs.002 a payment message?

No. It reports status for an earlier instruction rather than moving value itself.

Should pacs.002 replace internal workflow states?

No. It should inform them, but internal case states still need their own operational logic.

pacs.002.001.12 — Rahoton matsayin biyan kuɗi tsakanin cibiyoyin kuɗi pacs.002.001.12 — Rahoton matsayin biyan kuɗi tsakanin cibiyoyin kuɗi

Fili	Ƙima
Sunan ISO	FIToFIPaymentStatusReportV12
Matsayin rajista	Registered
Shekara	2019
Siga	12

Bayyani Bayyani

The pacs.002 message reports the status of an earlier payment instruction. It tells another institution whether the payment was accepted, rejected, pending, or settled.

Last reviewed against primary sources on 23 March 2026. ISO 20022 catalogue reference date: 2025-02-27; source links are listed below.

Muhimman abubuwan bayanai Muhimman abubuwan bayanai

GrpHdr — Group Header with message identification and creation timestamp
OrgnlGrpInfAndSts — Original Group Information and Status for bulk-level reporting
TxInfAndSts — Transaction Information and Status for individual transaction outcomes
StsRsnInf — Status Reason Information with structured reason codes
OrgnlTxRef — Original Transaction Reference linking back to the source instruction

Mahallin kasuwanci Mahallin kasuwanci

Confirms settlement or rejection of credit transfers, direct debits, and returns
Supports reconciliation between instructing and instructed agents
Used in CBPR+ flows for pacs.008 and pacs.009 status reporting
Supports group-level and transaction-level status reporting

Key data elements and business context
Muhimman abubuwan bayanai	Mahallin kasuwanci
GrpHdr — Group Header with message identification and creation timestamp	Confirms settlement or rejection of credit transfers, direct debits, and returns
OrgnlGrpInfAndSts — Original Group Information and Status for bulk-level reporting	Supports reconciliation between instructing and instructed agents
TxInfAndSts — Transaction Information and Status for individual transaction outcomes	Used in CBPR+ flows for pacs.008 and pacs.009 status reporting
StsRsnInf — Status Reason Information with structured reason codes	Supports group-level and transaction-level status reporting
OrgnlTxRef — Original Transaction Reference linking back to the source instruction	The instructed agent sends pacs.002 back to the instructing agent to confirm acceptance, settlement, or rejection of a payment instruction such as pacs.008 or pacs.009.

Mahallin CBPR+ da tsari Mahallin CBPR+ da tsari

Replaces MT199 and field 79 status text in MT messages
CBPR+ mandates pacs.002 for all payment status communication
Structured reason codes replace free-text rejection explanations
SWIFT gpi tracking integration requires pacs.002 for end-to-end transparency

Kwararar saƙo Kwararar saƙo

The instructed agent sends pacs.002 back to the instructing agent to confirm acceptance, settlement, or rejection of a payment instruction such as pacs.008 or pacs.009.

Primary references Primary references

Saƙonnin da suka danganta Saƙonnin da suka danganta

Message type	Description	Bayyani
`pacs.008.001.13`	Canja wurin kuɗi na abokin ciniki tsakanin cibiyoyin kuɗi	The pacs.008 message is the main customer credit-transfer instruction between banks. It carries party, amount, and remittance data.
`pacs.009.001.10`	Canja wurin kuɗi tsakanin cibiyoyin kuɗi	The pacs.009 message moves funds between banks on their own behalf. It supports funding, cover payments, and liquidity management.
`pacs.028.001.05`	Neman matsayin biyan kuɗi tsakanin cibiyoyin kuɗi	The 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.