Clearing & Settlement (pacs)Replaces MT 103 RETN / MT 202 RETN
pacs.004
Payment Return
Overview
pacs.004 replaces the RETN conventions layered on MT 103/202. It references the original transaction (message id, UETR, amounts) and carries a coded return reason (AC01 incorrect account, AC04 closed account, AG01 transaction forbidden, etc.), enabling automated exception processing instead of manual repair queues.
Key elements
| Element | Name | Notes |
|---|---|---|
| TxInf/OrgnlUETR | Original UETR | — |
| TxInf/RtrdIntrBkSttlmAmt | Returned settlement amount | — |
| TxInf/RtrRsnInf/Rsn/Cd | Return reason code | AC01, AC04, AG01, CUST… |
Work with this message
Other messages
head.001Business Application Header (BAH)pacs.008FI to FI Customer Credit Transferpacs.009FI Credit Transferpacs.002FI to FI Payment Status Reportpain.001Customer Credit Transfer Initiationpain.002Customer Payment Status Reportpain.008Customer Direct Debit Initiationcamt.052Bank to Customer Account Reportcamt.053Bank to Customer Statementcamt.054Bank to Customer Debit/Credit Notificationcamt.056FI to FI Payment Cancellation Requestcamt.029Resolution of Investigationcamt.110Investigation Requestcamt.111Investigation Response