ISO 20022 payment status
ACWP: Accepted without posting
Accepted, but the payment will not be posted to the creditor’s account. ACWP is a payment status your bank reports in a pain.002 status report (banks report it to each other in pacs.002).
| Code | ACWP |
|---|---|
| Name | Accepted without posting |
| Outcome | Accepted |
| Reported for | a single transaction (TxSts), in pain.002.001.08 and later |
| Messages | pain.002 (bank to customer), pacs.002 (bank to bank) |
What ACWP means
The payment is accepted, but it will not be posted to the creditor’s account, at least for now.
The payee’s bank uses ACWP when it accepts a payment but does not credit its customer straight away, for example while something about the payee is checked. ISO defines BLCK as the follow-up when such funds are then held, neither posted nor returned.
Where ACWP 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. ACWP 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.
<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>ACWP</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: It may be posted later, blocked (BLCK) or returned.
- What to do: Ask your bank, or the payee’s, why the payment is not being posted.
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 ACWP 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=ACWP&kind=payment_status'