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ISO 20022 reason code

FRAD: Fraudulent origin

The payment is believed to be fraudulent. FRAD is an ISO 20022 reason code used as a status reason and a cancellation reason: you will see it in pain.002 and camt.056.

FRAD at a glance
CodeFRAD
NameFraudulent origin
ISO code listsExternalStatusReason1Code (status reason); ExternalCancellationReason1Code (cancellation reason)
WhereStsRsnInf/Rsn/Cd; CxlRsnInf/Rsn/Cd

What FRAD means

The payment is believed to be fraudulent. It is used to recall payments made as a result of fraud, and to report payments stopped for that reason.

Not to be confused with: FRAD is fraud; DUPL and TECH are errors by the payer or its systems. As a status reason FRAD stops a payment; as a cancellation reason it recalls one.

A reason code always comes with a status or an action: on its own it says why, not what happened. In a status report look at the status next to it (RJCT means the payment will not be executed); on a statement the returned entry tells you the money has come back.

Where FRAD appears

FRAD belongs to two of the ISO 20022 reason code lists, so it can arrive in these places:

  • Status reason (ExternalStatusReason1Code): in a payment status report (pain.002 from a bank to its customer, pacs.002 between banks) that rejects or holds a payment.
  • Cancellation reason (ExternalCancellationReason1Code): in a request to cancel or recall a payment (camt.055 from a customer, camt.056 between banks).

In a cancellation (recall) request, FRAD says why the payment should be cancelled or returned:

camt.056.001.08 · a recall between banks
<Undrlyg>
  <TxInf>
    <CxlId>RCL-2026-0007</CxlId>
    <OrgnlEndToEndId>INV-2026-0042</OrgnlEndToEndId>
    <CxlRsnInf>
      <Rsn>
        <Cd>FRAD</Cd>
      </Rsn>
    </CxlRsnInf>
  </TxInf>
</Undrlyg>

What to do about FRAD

  • If you sent the payment or the collection: Ask your bank to recall the payment at once and report the fraud; time matters, because the funds are often moved on quickly.

Your bank’s implementation guide and the scheme’s rulebook (for SEPA, the EPC rulebooks) say exactly when it may use FRAD; banks do not all apply a code the same way.

Look up FRAD from a script or an AI agent

Scripts and AI agents get this code’s name, definition, where it sits and the address of this page from GET /api/v1/explain, keyless, or from the explain_code tool of the MCP server (API and MCP docs; add it to Claude, Cursor or VS Code).

REST · curl
curl -s 'https://iso20022-navigator.com/api/v1/explain?code=FRAD&kind=status_reason'