# MESSAGE pacs.002 Payment Status Report

The `pacs.002` message is the response to the `pacs.008` payment instruction.

For further detail on each element in the `pacs.002`, please refer to the [Message Guidelines (Excel)](/messaging-and-translation/message-guidelines-excel.md).

### Acceptance and Rejection Messages <a href="#toc159257072" id="toc159257072"></a>

The `pacs.002` message is used to respond to a `pacs.008`. A `pacs.002` message can indicate either the **acceptance** or the **rejection** of a payment.

* The `pacs.002` **must** reference the original `pacs.008` by including the original UETR[^1] in the section Transaction Information and Status.
* A `pacs.002` message can indicate either the acceptance or the rejection of a payment.
* The Destination PSP **must** include the transaction status .
  * In the case the status is `RJCT` (reject) the `pacs.002` must include a correct ISO 20022 `Status Reason` code, as listed below, in the element *… >Transaction Status > Status Reason Information*.
* The Instructing Agent and Instructed Agent need to be filled in the `Transaction Information and Status` section, not in the `Group Header`, in line with the CPMI guidelines.
* The Instructing Agent and Instructed Agent must be filled

### Payment Status Reason codes <a href="#toc159257073" id="toc159257073"></a>

Reason codes are taken from the [ISO 20022 External Code Set](https://www.iso20022.org/catalogue-messages/additional-content-messages/external-code-sets). The code set to be used for errors is the **ExternalStatusReason1Code.**

{% hint style="warning" %}
**Translation of error codes:** Nexus does not prescribe a specific message format for the interaction between the IPS and its Participants. Where an IPS uses a different error code list domestically, it is the responsibility of the IPSO to map their domestic error codes onto the ISO 20022 codes while keeping the highest level of detail. See [Translation To/From Domestic Message Formats](/messaging-and-translation/translation-to-from-domestic-message-formats.md)
{% endhint %}

### Table: ISO 20022 Error Codes for use in Nexus <a href="#toc150871077" id="toc150871077"></a>

**ExternalStatusReason1Code**

<table data-header-hidden><thead><tr><th width="133">CODE</th><th>NAME</th><th>MEANING</th></tr></thead><tbody><tr><td>AB01</td><td>AbortedClearingTimeout</td><td>Clearing process aborted due to timeout.</td></tr><tr><td>AB02</td><td>AbortedClearingFatalError</td><td>Clearing process aborted due to a fatal error.</td></tr><tr><td>AB03</td><td>AbortedSettlementTimeout</td><td>Settlement aborted due to timeout.</td></tr><tr><td>AB04</td><td>AbortedSettlementFatalError</td><td>Settlement process aborted due to a fatal error.</td></tr><tr><td>AB05</td><td>TimeoutCreditorAgent</td><td>Transaction stopped due to timeout at the Creditor Agent.</td></tr><tr><td>AB06</td><td>TimeoutInstructedAgent</td><td>Transaction stopped due to timeout at the Instructed Agent (the Destination SAP).</td></tr><tr><td>AB08</td><td>OfflineCreditorAgent</td><td>Creditor Agent is not online.</td></tr><tr><td>AB09</td><td>ErrorCreditorAgent</td><td>Transaction stopped due to error at the Creditor Agent.</td></tr><tr><td>AB10</td><td>ErrorInstructedAgent</td><td>Transaction stopped due to error at the Instructed Agent.</td></tr><tr><td>AC04</td><td>ClosedAccountNumber</td><td>Account number specified has been closed on the bank of account's books.</td></tr><tr><td>AC06</td><td>BlockedAccount</td><td>Account specified is blocked, prohibiting posting of transactions against it.</td></tr><tr><td>AC07</td><td>ClosedCreditorAccountNumber</td><td>Creditor account number closed</td></tr><tr><td>AC14</td><td>InvalidCreditorAccountType</td><td>Creditor Account type not allowed (f.e. savings account)</td></tr><tr><td>AG01</td><td>TransactionForbidden</td><td>Transaction forbidden on this type of account (formerly NoAgreement)</td></tr><tr><td>AG03</td><td>TransactionNotSupported</td><td>Transaction type not supported/authorized on this account</td></tr><tr><td>AG11</td><td>CreditorAgentSuspended</td><td>Creditor Agent of message is suspended from the Real Time Payment system.</td></tr><tr><td>AGNT</td><td>IncorrectAgent</td><td>Agent in the payment workflow is incorrect</td></tr><tr><td>AM02</td><td>NotAllowedAmount</td><td>Specific transaction/message amount is greater than allowed maximum</td></tr><tr><td>AM03</td><td>NotAllowedCurrency</td><td>Specified message amount is an non processable currency outside of existing agreement</td></tr><tr><td>AM04</td><td>InsufficientFunds</td><td>Amount of funds available to cover specified message amount is insufficient. This would be the case for the FXP account at the D-PSP.</td></tr><tr><td>AM05</td><td>Duplication</td><td>Duplication</td></tr><tr><td>AM06</td><td>TooLowAmount</td><td>Specified transaction amount is less than agreed minimum.</td></tr><tr><td>AM07</td><td>BlockedAmount</td><td>Amount specified in message has been blocked by regulatory authorities.</td></tr><tr><td>AM13</td><td>AmountExceedsClearingSystemLimit</td><td>Transaction amount exceeds limits set by clearing system</td></tr><tr><td>AM14</td><td>AmountExceedsAgreedLimit</td><td>Transaction amount exceeds limits agreed between bank and client</td></tr><tr><td>AM15</td><td>AmountBelowClearingSystemMinimum</td><td>Transaction amount below minimum set by clearing system</td></tr><tr><td>AM21</td><td>LimitExceeded</td><td>Transaction amount exceeds limits agreed between bank and client.</td></tr><tr><td>AM23</td><td>AmountExceedsSettlementLimit</td><td>Transaction amount exceeds settlement limit.</td></tr><tr><td>BE01</td><td>InconsistenWithEndCustomer</td><td>Identification of end customer is not consistent with associated account number. (formerly CreditorConsistency).</td></tr><tr><td>BE04</td><td>MissingCreditorAddress</td><td>Specification of creditor's address, which is required for payment, is missing/not correct (formerly IncorrectCreditorAddress).</td></tr><tr><td>BE05</td><td>UnrecognisedInitiatingParty</td><td>Party who initiated the message is not recognised by the end customer</td></tr><tr><td>BE06</td><td>UnknownEndCustomer</td><td>End customer specified is not known at associated Sort/National Bank Code or does no longer exist in the books</td></tr><tr><td>BE07</td><td>MissingDebtorAddress</td><td>Specification of debtor's address, which is required for payment, is missing/not correct.</td></tr><tr><td>CH11</td><td>CreditorIdentifierIncorrect</td><td>Value in Creditor Identifier is incorrect</td></tr><tr><td>CH20</td><td>DecimalPointsNotCompatibleWithCurrency</td><td>Number of decimal points not compatible with the currency</td></tr><tr><td>CH21</td><td>RequiredCompulsoryElementMissing</td><td>Mandatory element is missing</td></tr><tr><td>CNOR</td><td>CreditorBankIsNotRegistered</td><td>Creditor bank is not registered under this BIC in the CSM</td></tr><tr><td>CURR</td><td>IncorrectCurrency</td><td>Currency of the payment is incorrect</td></tr><tr><td>DU01</td><td>DuplicateMessageID</td><td>Message Identification is not unique.</td></tr><tr><td>DU02</td><td>DuplicatePaymentInformationID</td><td>Payment Information Block is not unique.</td></tr><tr><td>DU03</td><td>DuplicateTransaction</td><td>Transaction is not unique.</td></tr><tr><td>DU04</td><td>DuplicateEndToEndID</td><td>End To End ID is not unique.</td></tr><tr><td>DU05</td><td>DuplicateInstructionID</td><td>Instruction ID is not unique.</td></tr><tr><td>DUPL</td><td>DuplicatePayment</td><td>Payment is a duplicate of another payment</td></tr><tr><td>ED05</td><td>SettlementFailed</td><td>Settlement of the transaction has failed.</td></tr><tr><td>ED06</td><td>SettlementSystemNotAvailable</td><td>Interbank settlement system not available.</td></tr><tr><td>FF10</td><td>BankSystemProcessingError</td><td>File or transaction cannot be processed due to technical issues at the bank side</td></tr><tr><td>FR01</td><td>Fraud</td><td>Returned as a result of fraud.</td></tr><tr><td>MD07</td><td>EndCustomerDeceased</td><td>End customer is deceased.</td></tr><tr><td>MS02</td><td>NotSpecifiedReasonCustomerGenerated</td><td>Reason has not been specified by end customer</td></tr><tr><td>MS03</td><td>NotSpecifiedReasonAgentGenerated</td><td>Reason has not been specified by agent.</td></tr><tr><td>NARR</td><td>Narrative</td><td>Reason is provided as narrative information in the additional reason information.</td></tr><tr><td>RC04</td><td>InvalidCreditorBankIdentifier</td><td>Creditor bank identifier is invalid or missing</td></tr><tr><td>RC07</td><td>InvalidCreditorBICIdentifier</td><td>Creditor BIC identifier is invalid or missing</td></tr><tr><td>RC10</td><td>InvalidCreditorClearingSystemMemberIdentifier</td><td>Creditor ClearingSystemMember identifier is invalid or missing</td></tr><tr><td>RC11</td><td>InvalidIntermediaryAgent</td><td>Intermediary Agent is invalid or missing</td></tr><tr><td>RR02</td><td>MissingDebtorNameOrAddress</td><td>Specification of the debtor’s name and/or address needed for regulatory requirements is insufficient or missing.</td></tr><tr><td>RR03</td><td>MissingCreditorNameOrAddress</td><td>Specification of the creditor’s name and/or address needed for regulatory requirements is insufficient or missing.</td></tr><tr><td>RR04</td><td>RegulatoryReason</td><td>Regulatory Reason</td></tr><tr><td>TM01</td><td>InvalidCutOffTime</td><td>Associated message, payment information block, or transaction was received after agreed processing cut-off time.</td></tr><tr><td>UCRD</td><td>UnknownCreditor</td><td>Unknown Creditor.</td></tr></tbody></table>

Which error code is to be used in which situation is defined in the following diagram:

![](/files/OcKK9dStEBJ3LSKPhUL9)

### Message transformation of pacs.002 by Nexus <a href="#toc159257075" id="toc159257075"></a>

Please see the `pacs.002` Nexus Message Usage Guidelines for details of the limited transformations made to this message.

[^1]: Unique End-to-End Transaction Reference


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