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 — Ìròyìn ipò ìsanwó láàárín àwọn ilé-iṣẹ́ ìṣúná pacs.002.001.12 — Ìròyìn ipò ìsanwó láàárín àwọn ilé-iṣẹ́ ìṣúná

Pápá	Iye
Orúkọ ISO	FIToFIPaymentStatusReportV12
Ipò ìforúkọsílẹ̀	Registered
Ọdún	2019
Ẹ̀dà	12

Àkópọ̀ Àkópọ̀

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.

Àwọn ẹ̀ka dátà pàtàkì Àwọn ẹ̀ka dátà pàtàkì

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

Ìpò ìṣòwò Ìpò ìṣòwò

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
Àwọn ẹ̀ka dátà pàtàkì	Ìpò ìṣòwò
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.

Ìpò CBPR+ àti ètò Ìpò CBPR+ àti ètò

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

Ṣíṣàn ìfiránṣẹ́ Ṣíṣàn ìfiránṣẹ́

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

Àwọn ìfiránṣẹ́ tí ó jọra Àwọn ìfiránṣẹ́ tí ó jọra

Message type	Description	Àkópọ̀
`pacs.008.001.13`	Gbígbé owó àṣẹ fún oníbàárà láàárín àwọn ilé-iṣẹ́ ìṣúná	The pacs.008 message is the main customer credit-transfer instruction between banks. It carries party, amount, and remittance data.
`pacs.009.001.10`	Gbígbé owó àṣẹ láàárín àwọn ilé-iṣẹ́ ìṣúná	The pacs.009 message moves funds between banks on their own behalf. It supports funding, cover payments, and liquidity management.
`pacs.028.001.05`	Ìbéèrè ipò ìsanwó láàárín àwọn ilé-iṣẹ́ ìṣúná	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.