ISO 20022 Academy
pacs · ISO 20022 message

pacs.004

Payment Return — Settled money making a U-turn: the receiver can’t apply it, so it sends the funds back with a reason.

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Full identifier
pacs.004.001.09
MT predecessor
MT103 RETN / MT202 RETN
Direction
Bank → Bank

Elements

DocumentGrpHdrMsgIdCreDtTmNbOfTxsSttlmInfSttlmMtdRtrIdOrgnlEndToEndIdUETRRtrdIntrBkSttlmAmtIntrBkSttlmDtRtrRsnInfRsnCdAddtlInf

Sample

<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pacs.004.001.09">
  <PmtRtr>
    <GrpHdr>
      <MsgId>HDFCINBB-RTR-20260628-009</MsgId>
      <CreDtTm>2026-06-28T11:14:00+05:30</CreDtTm>
      <NbOfTxs>1</NbOfTxs>
      <SttlmInf><SttlmMtd>INDA</SttlmMtd></SttlmInf>
    </GrpHdr>
    <TxInf>
      <RtrId>HDFCINBB-RTR-0400</RtrId>
      <OrgnlEndToEndId>BOB-INV0042</OrgnlEndToEndId>
      <UETR>eb6305c9-1f7c-4a9b-9b1e-2c2f4e7a91d4</UETR>
      <RtrdIntrBkSttlmAmt Ccy="USD">400.00</RtrdIntrBkSttlmAmt>
      <IntrBkSttlmDt>2026-06-28</IntrBkSttlmDt>
      <RtrRsnInf><Rsn><Cd>AC04</Cd></Rsn><AddtlInf>Closed account</AddtlInf></RtrRsnInf>
    </TxInf>
  </PmtRtr>
</Document>
Part of the ISO 20022 Dictionary — the reference layer of ISO 20022 Academy. Written by Revanth Sai Rayapati.