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Spotlight PEPPOL BIS Billing 3.0 The EU e-invoicing mandate is here — France Sept 2026, Belgium Jan 2026, Germany 2025.

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ISO-20022-RJCT

ISO 20022 RJCT payment status reject pacs.002 reason codes.

Definition

ISO 20022 RJCT status + Reason codes structure: (1) pacs.002 Customer Payment Status Report: returned by debtor agent or intermediary in response to received pacs.008 Customer Credit Transfer (or other initiating message), indicates processing outcome. (2) Status values: ACCC (AcceptedSettlementCompletedCreditor, fully completed), ACCP (Accepted), ACSC (AcceptedSettlementCompleted), ACSP (AcceptedSettlementInProcess), ACWC (AcceptedWithChange), PDNG (Pending), RCVD (Received), RJCT (Rejected). (3) RJCT requires Reason code in StatusReasonInformation. (4) Reason code categories: AC (Account) - AC01 IncorrectAccountNumber, AC02 InvalidDebtorAccountNumber, AC04 ClosedAccountNumber, AC06 BlockedAccount, AC13 InvalidDebtorAccountType, AC14 InvalidCreditorAccountType. AG (Agent) - AG01 TransactionForbidden, AG02 InvalidBankOperationCode, AG03 TransactionNotSupported. AM (AccountManagement) - AM01 ZeroAmount, AM04 InsufficientFunds, AM05 Duplication, AM10 InvalidGroupingIndicator, AM12 InvalidAmount, AM13 AmountExceedsAgreedLimit. BE (BusinessError) - BE05 UnrecognisedInitiatingParty, BE06 UnknownEndCustomer, BE08 MissingDebtor, BE09 InvalidCountry, BE17 InvalidContractCurrency. CN (CashManagement) - CN01 AuthorisationCancelled. CUST (CustomerDecision) - CUST CustomerDecision, AC07 CreditorAccountClosed. DT (DateTime) - DT01 InvalidDate, DT02 InvalidCreationDate, DT03 InvalidNonProcessingDate, DT04 FutureDateNotSupported, DT05 InvalidCutOffDate, DT06 InvalidEffectiveDate. DU (DuplicateProcessing) - DU01 DuplicateMessage, DU02 DuplicateEntry. ED (EndOfDay) - ED01 CorrespondentBankNotPossible. FF (FormatFile) - FF01 InvalidFileFormat, FF02 SyntaxError, FF03 InvalidPaymentTypeInformation, FF04 InvalidServiceLevel. MD (MandateData) - MD01 NoMandate, MD02 MissingMandatoryInformationInMandate, MD05 CollectionNotDue, MD06 RefundRequestByEndCustomer, MD07 EndCustomerDeceased. MS (MissingDetails) - MS02 NotSpecifiedReasonCustomerGenerated, MS03 NotSpecifiedReasonAgentGenerated. NARR (Narrative) - NARR Narrative. RC (Routing) - RC01 BankIdentifierIncorrect, RC02 InvalidBankIdentifier, RC03 InvalidDebtorBankIdentifier, RC04 InvalidCreditorBankIdentifier, RC07 InvalidBranchCode. RR (RegulatoryReason) - RR01 MissingDebtorAccountOrIdentification, RR02 MissingDebtorNameOrAddress, RR03 MissingCreditorNameOrAddress, RR04 RegulatoryReason. TM (Timeout) - TM01 InvalidCutOffTime. List external maintained ISO 20022 ExternalStatusReason1Code XSD updated annually.

Origin

ISO 20022 pacs.002 published 2004+ multiple revisions ; ExternalStatusReason1Code list ISO 20022 Registration Authority annual updates ; used SEPA + SWIFT CBPR+ + T2 + Fedwire.

Example in context

SEPA SCT payment rejected for closed account: debtor bank receives pacs.008 EUR 1000 to creditor account IBAN ; creditor bank determines account closed, returns pacs.002 with TransactionInformation Status=RJCT + StatusReasonInformation Reason Code=AC04 ClosedAccountNumber + AdditionalReasonInformation 'Account closed by customer 2025-01-15' ; debtor bank receives pacs.002 + notifies original debtor customer rejection with reason.

Last updated: May 16, 2026