pacs.002 — FI to FI Payment Status Report

Interbank status of a pacs.008 or pacs.003 payment. Disseminated all along the chain via the SWIFT gpi Tracker, contributes to the real-time traceability mandated since late 2025 on SWIFTNet.

Purpose and place in the flow

pacs.002 is the interbank equivalent of pain.002: status of a payment at each chain hop. A bank issues pacs.008; intermediary banks emit pacs.002 (ACSP, ACSC) or may reject (RJCT); the final bank emits pacs.002 ACSC once the beneficiary is credited.

CBPR+ and SWIFT gpi usage

Since 22 November 2025, MT/MX coexistence for cross-border SWIFTNet is over. pacs.002 replaced MT199 status and MT900/MT910 confirmations. Under CBPR+, pacs.002 carries the UETR (Unique End-to-End Transaction Reference) feeding the gpi Tracker.

XML structure

Wrapped in <FIToFIPmtStsRpt>. Three blocks:

• GrpHdr — metadata + InstgAgt / InstdAgt.
• OrgnlGrpInfAndSts — original pacs.008 reference.
• TxInfAndSts — per-transaction status with UETR.

Status codes

Same codes as pain.002: ACCP, ACTC, ACSP, ACSC, RJCT, PDNG.

Example: ACCEPTED (ACSC)

Deutsche Bank confirms to BNP Paribas that the payment has been credited:

<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pacs.002.001.10">
  <FIToFIPmtStsRpt>
    <GrpHdr>
      <MsgId>STS-DEUT-20260518-001</MsgId>
      <CreDtTm>2026-05-18T12:00:00+02:00</CreDtTm>
      <InstgAgt>
        <FinInstnId><BICFI>DEUTDEFF</BICFI></FinInstnId>
      </InstgAgt>
      <InstdAgt>
        <FinInstnId><BICFI>BNPAFRPP</BICFI></FinInstnId>
      </InstdAgt>
    </GrpHdr>
    <OrgnlGrpInfAndSts>
      <OrgnlMsgId>BNPA-FI-20260518-001</OrgnlMsgId>
      <OrgnlMsgNmId>pacs.008.001.10</OrgnlMsgNmId>
      <OrgnlCreDtTm>2026-05-18T09:00:00+02:00</OrgnlCreDtTm>
    </OrgnlGrpInfAndSts>
    <TxInfAndSts>
      <OrgnlEndToEndId>INVOICE-2026-042</OrgnlEndToEndId>
      <OrgnlUETR>1a2b3c4d-5e6f-7890-abcd-ef1234567890</OrgnlUETR>
      <TxSts>ACSC</TxSts>
      <AccptncDtTm>2026-05-18T11:55:00+02:00</AccptncDtTm>
      <FctvIntrBkSttlmDt><Dt>2026-05-18</Dt></FctvIntrBkSttlmDt>
    </TxInfAndSts>
  </FIToFIPmtStsRpt>
</Document>

Common pitfalls

• OrgnlUETR missing — breaks gpi tracking.
• Chained status but final ACSC missing — the chain is not closed from the sender's perspective.
• InstgAgt / InstdAgt missing — prevents reply routing.

Related messages

• pacs.008 — initial payment.
• pacs.003 — initial direct debit.
• pain.002 — corporate equivalent.
• camt.054 — beneficiary account notification.