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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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Tools

X12 829 — Payment Cancellation Request

The 829 requests cancellation of an already-initiated payment — ACH recall, stop check, wire callback — from an originator to its originating bank.

Purpose

The 829 documents a cancellation request: ACH recall (R06 reason), stop payment on a check, wire callback before settlement. It carries the original transaction and the reason.

It feeds the exception processing chain. Acknowledged by 997. Typically followed by a 824 (Application Advice) with accept / decline status.

Envelope structure

The 829 travels within the three X12 envelope levels (ISA/IEA, GS/GE with functional group PC, and ST/SE). Didactic example in release 004010:

x12 example-829.x12 
ISA*00*          *00*          *ZZ*ORIGINATOR    *ZZ*ODFI          *260515*1230*U*00401*000000829*0*P*>~
GS*PC*ORIGINATOR*ODFI*20260515*1230*1*X*004010~
ST*829*0001~
BGN*00*CANCEL-REQ-2026-9911*20260515~
N1*PE*ACME CORP TREASURY*24*EIN-ORIG~
N1*PR*ACME ODFI BANK*24*EIN-ODFI~
REF*ZZ*ORIG-TRANSACTION-2026-7711~
REF*ZZ*CANCEL-REASON-DUPLICATE~
AMT*ZZ*4250.00~
DTM*036*20260515~
SE*9*0001~
GE*1*1~
IEA*1*000000829~

Common segments

  • Header — ST, BGN.
  • Originator / ODFI — N1*PE, N1*PR.
  • Original transaction — REF*ZZ.
  • Cancel reason — REF*ZZ.
  • Amount / date — AMT*ZZ, DTM*036.
  • Summary — SE.

Common pitfalls

  • Settlement timing: a 829 sent after settlement is no longer a cancellation but a return; confusing both loses the right of recovery.
  • Stop payment fees: most banks charge a fee for stop payment; a 829 without fee acceptance is rejected.
  • Recall window: an ACH recall is only possible within 5 banking days; an out-of-window 829 must be routed via dispute, not cancellation.

Documentation

The code 829 and the name Payment Cancellation Request are public and listed on x12.org/products/transaction-sets. The complete structure of loops, qualifiers and code lists is distributed by DISA via the proprietary Implementation Guides (TR3). ediverse.io covers only public concepts, the envelope and didactic examples.