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. The common ones are ACSP for accepted and in transit, ACSC for a completed settlement leg, ACCC for credited to the beneficiary, PDNG for pending, and RJCT for a refused instruction. Each one is reported against the payment's UETR.

Yes, and from 14 November 2026 it becomes a defined network rule. SWIFT's Standards Release 2026 requires the town and country of every party in a cross-border payment message to be provided in dedicated structured fields. Payments whose addresses are fully free text are refused in one of two ways: most are stopped at submission, before any tracking event exists, while a payment that enters the chain and is refused by a bank handling it surfaces as RJCT. If you see RJCT after that date, or your transfer never appears in tracking, ask the sending bank whether the address data met the structured or hybrid format.

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 SWIFT gpi status codes (ACSP, ACSC, ACCC, ACWC, ACWP, PDNG, RJCT) against a specific UETR, which is how the SWIFT gpi Tracker assembles the end-to-end status of a payment.

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 or the gpi-specific status updates that banks share via the SWIFT gpi Tracker. Under the CBPR+ migration to ISO 20022, pacs.002 replaces these as the structured way for banks to report payment status.

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 means the payment is in transit between banks, ACSC means a settlement leg has completed, ACCC means the money is credited to the beneficiary, PDNG means pending review, and RJCT means a bank refused the instruction.

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, and it can show for anywhere from minutes to 24 hours.

ACSC stands for AcceptedSettlementCompleted. It means a settlement leg of the transfer has completed, so the money has left the sending side of that leg. It does not confirm that the beneficiary has received the money; the credit to the beneficiary account is reported separately as ACCC.

ACCC stands for AcceptedCreditSettlementCompleted. 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. Your transfer is going through, but a bank in the chain changed something along the way, most often by deducting a fee, converting the currency, or moving the value date. The beneficiary will receive a slightly different amount or date than you instructed.

ACWP stands for AcceptedWithoutPosting. Your transfer has arrived at the beneficiary bank, but the bank has not yet posted the credit to the customer account. This usually means the bank needs 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 has paused your transfer for review, most often a sanctions or compliance screen, and has not accepted or rejected it yet. Ask your sending bank which bank is showing PDNG and what documentation it needs to release the payment.

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 reason qualifiers that banks attach to the ACSP status to explain why settlement is still in progress. G000 and G001 report the handover to the next agent or market infrastructure, ACSP G002 signals that the credit may not be confirmed the same day, G003 and G004 signal a wait for documents or cover funds, and G005 and G006 report delivery to the beneficiary bank before the account is credited.

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.

SWIFT defines the codes at the network level (ACSP, ACSC, ACCC, ACWC, ACWP, PDNG, RJCT), but each bank surfaces them to customers using its own wording. 'In transit' at HSBC, 'Processing' at Citi, 'With correspondent' at JPMorgan, and 'Sent' at Deutsche Bank are usually the same underlying ACSP. The translation between bank labels and SWIFT codes is what uetr.ai surfaces.