ISO 20022 Payment Status Codes: pain.002 and pacs.002

The life of a payment

A payment that goes well can be reported at each of these steps; most banks report only some of them.

RCVD Received: The message was received; nothing has been checked yet.
ACTC Accepted technical validation: Syntax and authentication checks passed.
ACCP Accepted customer profile: Technical checks and the customer profile checks passed.
ACSP Accepted settlement in process: All checks passed and the payment is being executed.
ACSC Accepted settlement completed: Settled on the debtor’s account.
ACCC Accepted settlement completed (creditor): Settled on the creditor’s account.

At any step before settlement the payment can be rejected (RJCT) with a reason code that says why. A file in which some payments are accepted and others not is PART; each payment then has its own status.

In progress

Received, checked or waiting: another status will follow.

In progress payment statuses
Code	Name	Meaning	Reported for
RCVD	Received	The message was received; nothing has been checked yet.	the whole file, a payment block or a single transaction
ACTC	Accepted technical validation	Syntax and authentication checks passed.	the whole file, a payment block or a single transaction
PDNG	Pending	Waiting on further checks; the status will change.	the whole file, a payment block or a single transaction
PATC	Partially accepted technical correct	Technically correct, but it needs several authorisations and only some have been given. A transaction status only.	a single transaction, in pain.002.001.08 and later
BLCK	Blocked	A payment reported as ACWP is blocked: for now the funds are neither posted to the creditor nor returned.	a single transaction, in pain.002.001.08 and later
PRES	Presented	A request to pay was presented to the debtor.	a single transaction, in pain.002.001.08 and later

Accepted

The checks passed and the payment is going ahead, possibly with a change.

Accepted payment statuses
Code	Name	Meaning	Reported for
ACCP	Accepted customer profile	Technical checks and the customer profile checks passed.	the whole file, a payment block or a single transaction
ACFC	Accepted funds checked	Accepted, and the funds are available.	a single transaction, in pain.002.001.08 and later
ACWC	Accepted with change	Accepted, but something was changed (for example the date or remittance information).	the whole file, a payment block or a single transaction
ACWP	Accepted without posting	Accepted, but the payment will not be posted to the creditor’s account.	a single transaction, in pain.002.001.08 and later
ACSP	Accepted settlement in process	All checks passed and the payment is being executed.	the whole file, a payment block or a single transaction
ACIS	Accepted and cheque issued	A payment by cheque was accepted and the cheque issued, but not yet deposited or cleared.	a single transaction, in pain.002.001.08 and later
ACPD	Accepted clearing processed	Released by the debtor’s bank and accepted by the clearing system.	a single transaction, in pain.002.001.08 and later

Settled

The money has moved: the end of the road for a payment.

Settled payment statuses
Code	Name	Meaning	Reported for
ACSC	Accepted settlement completed	Settled on the debtor’s account.	the whole file, a payment block or a single transaction
ACCC	Accepted settlement completed (creditor)	Settled on the creditor’s account.	the whole file, a payment block or a single transaction
CPUC	Cash picked up by creditor	The creditor has collected the cash.	a single transaction, in pain.002.001.08 and later

Partly accepted

A file or block where some payments go ahead and others do not, or not yet.

Partly accepted payment statuses
Code	Name	Meaning	Reported for
PART	Partially accepted	Some transactions accepted; others not yet accepted (pending or rejected); see the transaction statuses. A group or block status only.	the whole file or a payment block

Not executed

Rejected or cancelled: the payment will not be made.

Not executed payment statuses
Code	Name	Meaning	Reported for
RJCT	Rejected	Rejected: the payment will not be executed. The reason code says why.	the whole file, a payment block or a single transaction
CANC	Cancelled	The payment initiation was cancelled after a request for cancellation. ISO reserves it for API-based payment initiation.	a single transaction, in pain.002.001.08 and later

Entry statuses on statements (camt)

Statements and reports use a different status: whether an entry is booked. It sits in Ntry/Sts of camt.052, camt.053 and camt.054 (a bare code up to version .001.06, Ntry/Sts/Cd from .001.07).

Entry status codes
Code	Name	Meaning	In the balance
BOOK	Booked	Posted to the account: part of the booked balance.	Counts toward the booked balance (opening booked + booked entries = closing booked).
PDNG	Pending	Not yet posted; it may still change or be cancelled. Not part of the booked balance.	Not in the booked balance. A pending entry may change or disappear before it is booked.
INFO	Information	Reported for information only; it will not be booked (for example an expected or advised item).	Not in the booked balance, and never will be.
FUTR	Future	Already on the bank’s books, with value on a future date; not in today’s booked balance.	Not in today’s booked balance: the bank has it on its books, but its value applies on a future date.

See how entries and balances fit together in the camt.053 format.

Look up a status from a script or an AI agent

The same explanation is available to scripts and AI agents, keyless: the REST endpoint GET /api/v1/explain and the explain_code tool of the MCP server at https://iso20022-navigator.com/mcp (API and MCP docs; add it to Claude, Cursor or VS Code).

REST · curl

curl -s 'https://iso20022-navigator.com/api/v1/explain?code=ACSC&kind=payment_status'

MCP · tools/call

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "explain_code",
    "arguments": {
      "code": "ACSC",
      "kind": "payment_status"
    }
  }
}

Response (JSON)

{
  "query": "ACSC",
  "kind": "payment_status",
  "matches": [
    {
      "kind": "payment_status",
      "code": "ACSC",
      "name": "Accepted settlement completed",
      "definition": "Settled on the debtor’s account.",
      "usedIn": "pain.002 / pacs.002 GrpSts, PmtInfSts, TxSts",
      "reference": "https://iso20022-navigator.com/iso20022-status-codes/acsc"
    }
  ]
}