ISO 20022 payment status
PDNG: Pending
Waiting on further checks; the status will change. PDNG is a payment status your bank reports in a pain.002 status report (banks report it to each other in pacs.002).
| Code | PDNG |
|---|---|
| Name | Pending |
| Outcome | In progress |
| 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 PDNG means
The payment is waiting on further checks; another status will follow. The same code is also an entry status on statements: a camt.052, camt.053 or camt.054 entry with status PDNG is not booked yet and is not part of the booked balance.
If the bank says what it is waiting for, the reason is in StsRsnInf next to the status. A payment can stay pending over a cut-off time or a holiday; one still pending after its execution date is worth a question to the bank.
Where PDNG 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. PDNG 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>PDNG</GrpSts>
</OrgnlGrpInfAndSts>
<OrgnlPmtInfAndSts>
<OrgnlPmtInfId>PMT-20261028-03</OrgnlPmtInfId>
<TxInfAndSts>
<OrgnlEndToEndId>NW-2026-403</OrgnlEndToEndId>
<TxSts>PDNG</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: An accepted status (ACSP, ACSC) or RJCT.
- What to do: Wait for the next report. If it is still pending after the requested execution date, ask your bank what it is waiting for.
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 PDNG 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=PDNG&kind=payment_status'