pacs.007 — FI to FI Payment Reversal

R-message used by the creditor bank to reverse a direct debit (or a cross-border pacs.008) it previously submitted and now wishes to withdraw before or just after settlement.

Purpose: R-message reversal

In the SEPA R-message family (rejection, return, refund, reversal, request-for-cancellation), pacs.007 reversal is initiated by the creditor bank itself. Typical cases: duplicate detected by the creditor's TMS, obsolete instruction, internal fraud spotted. The pacs.007 must arrive before or just after settlement (D-1 or D+0 SDD Core).

XML structure

Wrapped in <FIToFIPmtRvsl>. GrpHdr + TxInf (repeatable).

Major reason codes: DUPL Duplicate, FRAD Fraudulent Origin, TECH Technical Problem, CUST Requested by Customer, CUTA Cancellation Upon Termination of Mandate.

Example: SDD reversal for duplicate

BNP Paribas reverses the pacs.003 sent on 18 May (duplicate detected by ACME's TMS):

<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pacs.007.001.09">
  <FIToFIPmtRvsl>
    <GrpHdr>
      <MsgId>REV-SDD-20260518-001</MsgId>
      <CreDtTm>2026-05-18T11:30:00+02:00</CreDtTm>
      <NbOfTxs>1</NbOfTxs>
      <CtrlSum>299.00</CtrlSum>
      <SttlmInf>
        <SttlmMtd>CLRG</SttlmMtd>
        <ClrSys><Cd>SEPA</Cd></ClrSys>
      </SttlmInf>
    </GrpHdr>
    <TxInf>
      <RvslId>REV-SDD-2026-001</RvslId>
      <OrgnlGrpInf>
        <OrgnlMsgId>SDD-COR-20260518-001</OrgnlMsgId>
        <OrgnlMsgNmId>pacs.003.001.08</OrgnlMsgNmId>
      </OrgnlGrpInf>
      <OrgnlInstrId>BNPP-INSTR-2026101</OrgnlInstrId>
      <OrgnlEndToEndId>SUBSCRIPTION-2026-Q2</OrgnlEndToEndId>
      <OrgnlTxId>BNPP-TX-2026101</OrgnlTxId>
      <OrgnlUETR>9a8b7c6d-5e4f-3a2b-1c0d-9e8f7a6b5c4d</OrgnlUETR>
      <OrgnlIntrBkSttlmAmt Ccy="EUR">299.00</OrgnlIntrBkSttlmAmt>
      <OrgnlIntrBkSttlmDt>2026-05-20</OrgnlIntrBkSttlmDt>
      <RvsdIntrBkSttlmAmt Ccy="EUR">299.00</RvsdIntrBkSttlmAmt>
      <IntrBkSttlmDt>2026-05-19</IntrBkSttlmDt>
      <RvslRsnInf>
        <Rsn><Cd>DUPL</Cd></Rsn>
        <AddtlInf>Duplicate submission detected by creditor TMS, prior to settlement</AddtlInf>
      </RvslRsnInf>
    </TxInf>
  </FIToFIPmtRvsl>
</Document>

Common pitfalls

• Do not confuse with pacs.004: pacs.004 = Payment Return initiated by the debtor bank (reject) ; pacs.007 = reversal initiated by the creditor bank.
• Deadline passed: after D+1 (SDD Core) pacs.007 reversal is no longer accepted ; switch to pacs.004 (Refund triggered by debtor).
• Missing OrgnlUETR: mandatory in CBPR+ to match the original transaction.
• Partial amount: some schemes only allow full reversals (no RvsdIntrBkSttlmAmt < OrgnlIntrBkSttlmAmt).

Related messages

• pacs.008 — original CCT.
• pacs.003 — original SDD.
• pacs.004 — Payment Return (debtor side).
• camt.056 — Customer Payment Cancellation Request (customer-initiated).