SWIFT gpi status codes
ACSP, ACSC, ACCC, RJCT explained.

SWIFT status codes are the four-letter codes banks report against a payment to say what stage it has reached. ACSP reports accepted settlement in process; ACCC reports the beneficiary bank crediting the account; RJCT reports a refused instruction. ACSC reports a completed settlement leg without confirming beneficiary credit. PDNG means pending further review.

Yes. Missing or incorrect address details can cause delays or rejection under existing bank checks. SWIFT has deferred the separate November 2026 removal of unstructured addresses and will provide an update on revised timing and approach by December 2026 at the latest. A network refusal (NAK) and an RJCT payment-status report are distinct. Ask the sending bank for the actual reason; an empty tracking result alone does not identify an address problem.

pacs.002 (FIToFIPaymentStatusReport) is the ISO 20022 XML message banks use to report the status of a payment back to the originator and other parties in the chain. It carries the same ISO 20022 status codes the SWIFT gpi Tracker shows (ACSP, ACSC, ACCC, ACWC, ACWP, PDNG, RJCT) against a specific UETR. Banks update the Tracker itself through its own channels, such as the trck.001 message.

pacs.002 means 'FIToFIPaymentStatusReport', a financial-institution-to-financial-institution payment status report. It is the standard ISO 20022 message that one bank sends to another (and back up the chain) to report whether a payment has been accepted, settled, credited, held, or rejected, identified by its UETR.

In the SWIFT MT world, the closest equivalent of pacs.002 is the MT199 free-format message. Status updates to the SWIFT gpi Tracker are a separate channel, which in ISO 20022 is the trck.001 message. Under Swift's CBPR+ migration to ISO 20022, pacs.002 is the structured status report for payment instructions exchanged over Swift.

pacs.002 reports the status of a payment (accepted, settled, credited, held, rejected). pacs.004 is a payment return, the message that carries funds back to the originator. They are separate messages for separate events: an RJCT in a pacs.002 records a refused instruction, and a pacs.004 records a return that a bank decided to make. Neither implies the other.

SWIFT status codes are four-letter ISO 20022 codes that report the stage a wire transfer has reached. ACSP reports accepted settlement in process; ACSC reports a completed settlement leg; ACCC means the beneficiary bank reports crediting the account; PDNG means pending review; RJCT means a bank refused the instruction. Confirm the state with the reporting bank.

ACSP stands for AcceptedSettlementInProcess. Your transfer has been accepted and is moving through the correspondent banking chain toward the beneficiary bank, but it has not been credited yet. ACSP is the normal in-transit status for a SWIFT payment. It can show for minutes or for more than a day, for example when a bank reports that the credit may not be confirmed the same day.

ACSC stands for AcceptedSettlementCompletedDebitorAccount, its registered ISO 20022 name. It reports that a settlement leg of the transfer has completed. It does not confirm that the beneficiary has received the money: the credit to the beneficiary account is reported separately, as ACCC. Read ACSC as progress, not as arrival.

ACCC stands for AcceptedSettlementCompletedCreditorAccount. It is the code a beneficiary bank sends when it has credited the money to the beneficiary's account, so a bank reporting ACCC is stating that the transfer is complete. ACCC is the strongest confirmation the SWIFT gpi Tracker carries, and it is the final status of a successful payment. Nothing further is expected once a bank reports ACCC.

ACWC stands for AcceptedWithChange. A bank in the chain accepted your transfer but will make a change to it, such as a different date or remittance information that is not passed on. The transfer is still going through. Ask your bank which bank made the change and what it was.

ACWP stands for AcceptedWithoutPosting. The beneficiary's bank has accepted the payment instruction but has not posted it to the beneficiary's account. The code does not say why. The bank may need something from the beneficiary first, such as identity documents or an answer to a compliance question.

PDNG stands for Pending. A bank in the chain is holding your transfer while it runs further checks, and has not accepted or rejected it yet; a status update will follow. The code does not say what the checks are. Ask your sending bank why the payment is pending and what is required to release it.

RJCT stands for Rejected: a bank in the chain refused the payment instruction. It is a report about that instruction, not a movement of money, so on its own it does not tell you where the funds are. Any return of the funds travels as its own separate payment. The tracker usually carries a reason code as well, such as AC01 for an account number that is invalid or missing, which is what your bank reads to tell you why.

G sub-codes are qualifiers banks attach to ACSP to say why settlement is still in progress: G000, G001, G007 and G008 report the handover to the next agent or market infrastructure, G002 a credit that may not be confirmed the same day, G003 and G004 a wait for documents or cover funds, G005 and G006 delivery to the beneficiary bank.

On a UK Companies House filing, ACSP stands for Authorised Corporate Service Provider, an agent such as an accountant, solicitor, or formation firm that verifies identities and files on behalf of companies. That meaning is unrelated to SWIFT payments. This page covers the SWIFT payment status code ACSP, AcceptedSettlementInProcess.

pacs.008 (FIToFICustomerCreditTransfer) is the ISO 20022 XML message that replaces SWIFT MT103 for customer credit transfers under the CBPR+ migration. It carries the same payment-instruction data plus richer remittance fields and structured party information, and it carries the UETR.

Reason codes are the ISO 20022 ExternalStatusReason1Code values that explain a status, most commonly the reason a payment was rejected (RJCT). Examples: AC01 (IncorrectAccountNumber), AC04 (ClosedAccountNumber), AM05 (Duplication), BE04 (MissingCreditorAddress), FF01 (InvalidFileFormat), RC01 (BankIdentifierIncorrect), FOCR (FollowingCancellationRequest).

No. pacs.002 reports payment status (accepted, settled, credited, held, rejected) between banks. camt.054 (BankToCustomerDebitCreditNotification) is the message a bank sends to its own customer reporting debits and credits to the customer's account. pacs.002 is bank-to-bank; camt.054 is bank-to-customer.

ISO 20022 defines the codes (ACSP, ACSC, ACCC, ACWC, ACWP, PDNG, RJCT) and the SWIFT gpi Tracker carries them, but each bank surfaces them to customers using its own wording. 'In transit', 'Processing', 'With correspondent' and 'Sent' are labels different portals can use for the same underlying ACSP. The translation between bank labels and SWIFT codes is what uetr.ai surfaces.