pacs.004.001.11 — Ìdápadà ìsanwó

Pápá	Iye
Orúkọ ISO	PaymentReturnV11
Ipò ìforúkọsílẹ̀	Registered
Ọdún	2019
Ẹ̀dà	11

Àkópọ̀

The pacs.004 message returns a payment that has already settled. It sends funds back when a payment cannot be applied.

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

• GrpHdr — Group Header with message identification and creation timestamp
• TxInf — Transaction Information with return amount and parties
• OrgnlGrpInf — Original Group Information linking to the source message
• RtrRsnInf — Return Reason Information with structured reason codes
• OrgnlTxRef — Original Transaction Reference for matching and reconciliation

Ìpò ìṣòwò

• Handles post-settlement returns when the beneficiary's account cannot be credited
• Supports recall scenarios where the originator requests funds back
• Carries structured return reason codes
• Applies to both credit transfer returns (pacs.008) and direct debit returns (pacs.003)

Key data elements and business context

Àwọn ẹ̀ka dátà pàtàkì	Ìpò ìṣòwò
GrpHdr — Group Header with message identification and creation timestamp	Handles post-settlement returns when the beneficiary's account cannot be credited
TxInf — Transaction Information with return amount and parties	Supports recall scenarios where the originator requests funds back
OrgnlGrpInf — Original Group Information linking to the source message	Carries structured return reason codes
RtrRsnInf — Return Reason Information with structured reason codes	Applies to both credit transfer returns (pacs.008) and direct debit returns (pacs.003)
OrgnlTxRef — Original Transaction Reference for matching and reconciliation	The instructed agent sends pacs.004 back through the payment chain to return settled funds. Each agent in the chain processes the return and credits back the relevant accounts.

Ìpò CBPR+ àti ètò

• Replaces MT103 RETURN and cover-method return messaging
• Return reason codes are standardised and machine-readable under ISO 20022
• CBPR+ requires the full original transaction reference for matching
• SWIFT gpi tracking also covers returns

Ṣíṣàn ìfiránṣẹ́

The instructed agent sends pacs.004 back through the payment chain to return settled funds. Each agent in the chain processes the return and credits back the relevant accounts.

Primary references

• ISO 20022 message definitions catalogue for pacs.004.001.11
• SWIFT CBPR+ ISO 20022 usage-guidelines announcement
• SWIFT CBPR+ migration roadmap PDF
• EPC SEPA Credit Transfer rulebook
• EPC SEPA Instant Credit Transfer rulebook

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.003.001.09	Gbígbà owó tààrà fún oníbàárà láàárín àwọn ilé-iṣẹ́ ìṣúná	The pacs.003 message carries a customer direct debit between banks. It lets the creditor bank collect funds from the debtor bank.
pacs.002.001.12	Ìròyìn ipò ìsanwó láàárín àwọn ilé-iṣẹ́ ìṣúná	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.