Skip to content
ISO 20022 Navigator
Donate

ISO 20022 payment status

ACSC: Accepted settlement completed

Settled on the debtor’s account. ACSC is a payment status your bank reports in a pain.002 status report (banks report it to each other in pacs.002).

ACSC at a glance
CodeACSC
NameAccepted settlement completed
OutcomeSettled
Reported forthe whole file (GrpSts), a payment block (PmtInfSts) or a single transaction (TxSts)
Messagespain.002 (bank to customer), pacs.002 (bank to bank)

What ACSC means

Settlement is complete. In a pain.002 from your bank it is usually read as: your account has been debited and the payment has left. On its own it does not prove the payee has been credited; ACCC says that. The ISO definition leaves its exact use to agreement with the bank, so check what yours means by it.

Where ACSC 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. ACSC 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.

pain.002.001.10 · excerpt
<OrgnlGrpInfAndSts>
  <OrgnlMsgId>NWT-PAY-20261028-03</OrgnlMsgId>
  <OrgnlMsgNmId>pain.001.001.09</OrgnlMsgNmId>
  <GrpSts>ACSC</GrpSts>
</OrgnlGrpInfAndSts>
<OrgnlPmtInfAndSts>
  <OrgnlPmtInfId>PMT-20261028-03</OrgnlPmtInfId>
  <TxInfAndSts>
    <OrgnlEndToEndId>NW-2026-403</OrgnlEndToEndId>
    <TxSts>ACSC</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: Nothing for the bank to do. If the payee’s bank sends the money back later, that arrives as a return (a credit on your statement with a reason code), not as a new status.
  • What to do: Match it to the debit on your statement (camt.053) by end-to-end id and close the payment in your books.

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 ACSC 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=ACSC&kind=payment_status'