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ISO 20022 payment status

CPUC: Cash picked up by creditor

The creditor has collected the cash. CPUC is a payment status your bank reports in a pain.002 status report (banks report it to each other in pacs.002).

CPUC at a glance
CodeCPUC
NameCash picked up by creditor
OutcomeSettled
Reported fora single transaction (TxSts), in pain.002.001.08 and later
Messagespain.002 (bank to customer), pacs.002 (bank to bank)

What CPUC means

For a payment the creditor collects in cash: the creditor has picked the cash up.

CPUC exists for payments paid out in cash rather than to an account, such as a remittance the creditor collects at a bank branch or a cash agent. There is no account to credit, so CPUC plays the part ACCC plays for an account payment: it confirms the money reached the creditor. Companies’ payment files rarely contain cash payouts, so many treasury teams never see it.

Where CPUC 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. CPUC 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>CPUC</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: the payment is complete.
  • What to do: 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 CPUC 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=CPUC&kind=payment_status'