Pacs.028

Payment Status Request Message

A Pacs.028 message is used as an investigation message to query the status of a transaction.

A sample payload of a Pacs.028 message is as follows;

<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pacs.028.001.02">
   <AcctRptgReq>
      <Id>ABC123456</Id>
      <ReqdMsgNmId>pacs.028</ReqdMsgNmId>
      <AcctId>
         <IBAN>FR1420041010050500013M02606</IBAN>
      </AcctId>
      <AcctOwnr>
         <Id>
            <OrgId>
               <AnyBIC>ABCDEF12XXX</AnyBIC>
            </OrgId>
         </Id>
      </AcctOwnr>
      <AcctSvcr>
         <FinInstnId>
            <BIC>DEUTDEFFXXX</BIC>
         </FinInstnId>
      </AcctSvcr>
      <RptgSrc>
         <Id>
            <OrgId>
               <Othr>
                  <Id>123456</Id>
               </Othr>
            </OrgId>
         </Id>
      </RptgSrc>
      <ReqdBalTp>
         <Cd>CRDT</Cd>
      </ReqdBalTp>
      <AcctSvcrRef>ABC123456</AcctSvcrRef>
      <OrgnlTxRef>
         <MsgId>DEF789012</MsgId>
         <CreDtTm>2023-04-16T12:00:00.000Z</CreDtTm>
         <AcctSvcrRef>DEF789012</AcctSvcrRef>
      </OrgnlTxRef>
   </AcctRptgReq>
</Document>

In this schema, we have several elements that are similar to the previous example, but we also have some additional elements that are specific to an investigation message:

• OrgnlTxRef: This element contains information about the original transaction that is being investigated.

  • MsgId: This is the unique identifier of the original transaction message.

  • CreDtTm: This is the date and time that the original transaction message was created.

  • AcctSvcrRef: This is a reference number that was assigned to the original transaction message by the financial institution.

The inclusion of OrgnlTxRef element is the key difference between a Pacs.028 message used for an account opening/closing status report and an investigation message.

When used as an investigation message, the Pacs.028 message is typically sent by a financial institution to request information about the status of a previous transaction. The OrgnlTxRef the element contains information about the original transaction that the financial institution is investigating, including the message ID, creation date and time, and the financial institution's reference number for the original transaction.

Overall, a Pacs.028 message used as an investigation message is used to provide information about the status of a previous transaction, including whether the transaction was successful or failed, and any additional information about the transaction that may be relevant.