ISO 20022 payment status
PRES: Presented
A request to pay was presented to the debtor. PRES is a status of a request to pay, reported in a pain.014, the answer to a pain.013.
| Code | PRES |
|---|---|
| Name | Presented |
| Outcome | In progress |
| Reported for | a single transaction (TxSts), in pain.002.001.08 and later |
| Messages | pain.014 (status of a request to pay) |
What PRES means
A request to pay (pain.013) has been presented to the debtor, who has not answered yet. PRES belongs to request-to-pay flows, not to payment files: it is reported at transaction level in a pain.014, the status report that answers the pain.013.
In a request to pay the creditor asks the debtor, through the banks or a request-to-pay service provider, to make a payment; the debtor accepts or refuses, and an accepted request is followed by a credit transfer. The EPC’s SEPA Request-to-Pay (SRTP) scheme uses these messages.
Where PRES appears
A pain.014 answers a request to pay (pain.013) at up to three levels: the whole message in OrgnlGrpInfAndSts/GrpSts, a payment block in OrgnlPmtInfAndSts/PmtInfSts, and one transaction in TxInfAndSts/TxSts. PRES 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>RTP-20261028-01</OrgnlMsgId>
<OrgnlMsgNmId>pain.013.001.07</OrgnlMsgNmId>
</OrgnlGrpInfAndSts>
<OrgnlPmtInfAndSts>
<OrgnlPmtInfId>RTP-PMT-20261028-01</OrgnlPmtInfId>
<TxInfAndSts>
<OrgnlEndToEndId>INV-2026-0042</OrgnlEndToEndId>
<TxSts>PRES</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: The debtor accepts, and the payment follows, or refuses.
- What to do: Wait for the debtor’s answer; follow up with the debtor rather than the bank.
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 PRES 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=PRES&kind=payment_status'