ISO 20022 payment status
ACCP: Accepted customer profile
Technical checks and the customer profile checks passed. ACCP is a payment status your bank reports in a pain.002 status report (banks report it to each other in pacs.002).
| Code | ACCP |
|---|---|
| Name | Accepted customer profile |
| Outcome | Accepted |
| Reported for | the whole file (GrpSts), a payment block (PmtInfSts) or a single transaction (TxSts) |
| Messages | pain.002 (bank to customer), pacs.002 (bank to bank) |
What ACCP means
The technical checks and the customer profile checks passed: for example, that you may use this account and this service.
What the customer profile check covers is up to the bank: typically that the account belongs to you, that the person or system that sent the file may use it, and that the payment type and amount fit what you agreed with the bank. In the ISO order of statuses ACCP comes after ACTC and before ACSP.
Where ACCP appears
A status report answers a payment file (pain.001 or pain.008) at up to three levels: the whole message in OrgnlGrpInfAndSts/GrpSts, a payment block in OrgnlPmtInfAndSts/PmtInfSts, and one transaction in TxInfAndSts/TxSts. ACCP may be reported for the whole file (GrpSts), a payment block (PmtInfSts) or a single transaction (TxSts); the Payment File Viewer warns when a status sits at a level its ISO code list does not cover.
<OrgnlGrpInfAndSts>
<OrgnlMsgId>NWT-PAY-20261028-03</OrgnlMsgId>
<OrgnlMsgNmId>pain.001.001.09</OrgnlMsgNmId>
<GrpSts>ACCP</GrpSts>
</OrgnlGrpInfAndSts>
<OrgnlPmtInfAndSts>
<OrgnlPmtInfId>PMT-20261028-03</OrgnlPmtInfId>
<TxInfAndSts>
<OrgnlEndToEndId>NW-2026-403</OrgnlEndToEndId>
<TxSts>ACCP</TxSts>
</TxInfAndSts>
</OrgnlPmtInfAndSts>The transactions are matched to your file by OrgnlEndToEndId (and OrgnlInstrId), the blocks by OrgnlPmtInfId and the file by OrgnlMsgId.
What comes next, and what to do
- What usually follows: ACSP when the payment is released for execution, then ACSC.
- What to do: Nothing to do. Reconcile when the settled status or the statement entry arrives.
Not every bank sends every status: many report only rejections, or only a few steps of the flow. Your bank’s implementation guide lists the statuses it uses.
Look up ACCP 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).
curl -s 'https://iso20022-navigator.com/api/v1/explain?code=ACCP&kind=payment_status'