Message Dictionary

Types of Messages in Instant Payment Systems

ISO20022 Message	Function and Description of Message in Instant Payments
Pacs.008	Credit Transfer Message. Also referred to as the Clearing Message. Used to send funds from the Payer to the Payee. Pacs.008 usage is explained in detail in Credit Transfer.
Pacs.002 AUTH	Positive Transaction Status Report Message. Provided by the Receiving/Payee FSP to the Switch to confirm that Payment can be processed. Pacs.002 AUTH usage is explained in detail in Credit Transfer.
Pacs.002 NAUTH	Negative Transaction Status Report Message. Provided by the Receiving/Payee FSP to the Switch to confirm that Payment can be processed. Pacs.002 NAUTH usage is explained in detail in Credit Transfer.
Pacs.002 ACSP	Positive Final Transaction Status Report Message. Provided by the Switch to both the Sending/Paying FSP as well as the Receiving/Payee FSP. This serves as final confirmation that the payment has been processed and is final. Pacs.002 ACSP usage is explained in detail in Credit Transfer.
Pacs.002 RJCT	Negative Final Transaction Status Report Message. Provided by the Switch to both the Sending/Paying FSP as well as the Receiving/Payee FSP. This serves as final confirmation that the payment stands canceled. Pacs.002 RJCT usage is explained in detail in Credit Transfer.
Pacs.004	Payment Return Message. Sent against a Pacs.008 clearing message to return payment against an already final transaction. Pacs.004 usage is explained in detail in Credit Return.
Pacs.028	Payment Status Request Message. Used to request information about the status of a payment transaction. The Switch responds with a Pacs.002 in return for a Pacs.028 message. Pacs.028 usage is explained in detail in Credit Transfer.
Pain.013	Payment Activation Request. Used to initiate a Request to Pay from the Payee to the Payer. Pain.013 usage is explained in detail in Request to Pay.
Pain.014	Payment Activation Request Status Response. Used to respond to a Pain.013 message. Is dispatched every time there is an update against the Payment Activation Request. Pain.013 usage is explained in detail in Request to Pay.
Camt.009	Get Limit Message
Camt.010	Reply to the Camt.009 Get Limit Message
Camt.011	Set Limit Message
Camt.025	Error Message. Used in various different contexts such as, Unsuccessful response to Camt.009 Unsuccessful setting of Limit through Camt.011 Unsuccessful response to Pacs.028 investigation request.
Camt.029	Resolution of Investigation Message. In the context of Camt.056, it is also used if the Request for Return is denied.
Camt.052	Account Statement Message. Used for sharing Settlement Information from the Payment System with FSPs.
Camt.056	Payment Cancellation Request. Used to initiate a Request for Return from the Payer to the Payee. If accepted, results in the generation of a Pacs.004 message.