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ISO 20022 payment status

ACFC: Accepted funds checked

Accepted, and the funds are available. ACFC is a payment status your bank reports in a pain.002 status report (banks report it to each other in pacs.002).

ACFC at a glance
CodeACFC
NameAccepted funds checked
OutcomeAccepted
Reported fora single transaction (TxSts), in pain.002.001.08 and later
Messagespain.002 (bank to customer), pacs.002 (bank to bank)

What ACFC means

The technical and customer profile checks passed, and an automatic check found the funds available.

ACFC sits between ACCP and ACSP: on top of the technical and customer profile checks, the bank checked automatically that the account can cover the payment. Not every bank runs a separate funds check before it accepts a payment, so many never send ACFC; payment initiation APIs, which report each check as it passes, are where it shows up most.

Where ACFC 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. ACFC may be reported for a single transaction (TxSts), in pain.002.001.08 and later; the Payment File Viewer warns when a status sits at a level its ISO code list does not cover.

pain.002.001.10 · excerpt
<OrgnlGrpInfAndSts>
  <OrgnlMsgId>NWT-PAY-20261028-03</OrgnlMsgId>
  <OrgnlMsgNmId>pain.001.001.09</OrgnlMsgNmId>
</OrgnlGrpInfAndSts>
<OrgnlPmtInfAndSts>
  <OrgnlPmtInfId>PMT-20261028-03</OrgnlPmtInfId>
  <TxInfAndSts>
    <OrgnlEndToEndId>NW-2026-403</OrgnlEndToEndId>
    <TxSts>ACFC</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 executed, then ACSC.
  • What to do: Nothing to do. Funds are confirmed at the time of the check; keep the account funded until settlement.

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 ACFC 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=ACFC&kind=payment_status'