Exception handling

NextGenPSD2 XS2A Framework

Recall: camt.056 to pacs.004

Getting settled money back. The debtor bank requests cancellation, the creditor bank answers with a resolution, and if positive the funds return as a pacs.004.

Why read this

Fraud and duplicate handling. Note that the creditor bank is not obliged to agree — a recall is a request, not an instruction.

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Technical view of SEPA Credit Transfer

Messages · camt.056 → camt.029 → pacs.004

recallcamt.056pacs.004fraudexception

Transaction flow

ASPSPBankCSMClearingCreditorBank01 camt.056 cancellation request01 camt.05602 Request forwarded02 camt.05603 camt.029 resolution03 camt.02904 pacs.004 return04 pacs.004
ASPSP: BankCSM: ClearingCreditor: Bank
API hop Clearing hopClick a tag on an arrow (pacs.008, …) for info, usage and sample
Messages
01

camt.056 cancellation request

Clearing layer

CxlRsnInf/Rsn/Cd carries DUPL, TECH, FRAD or CUST. Under the SEPA rulebook the request must be raised within 13 months, and within 10 days for a technical duplicate.

Messagecamt.056Full detail →

The recall. Asks the creditor bank to send the money back, quoting a CancellationReason such as DUPL, TECH or FRAD.

This flow

Also used in

Codes you can see here

DUPLTECHFRADCUST

aspspcsm

ISO 20022 payload· XML

camt.056 recall request

A duplicate recall. Assgnr and Assgne carry the two banks in the case, and Case/Id is the reference both sides quote until the investigation closes.

<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.056.001.08">
<FIToFIPmtCxlReq>
<Assgnmt>
<Id>CXL-20260814-0031</Id>
<Assgnr>
<Agt>
<FinInstnId>
<BICFI>DEMOFRPPXXX</BICFI>
</FinInstnId>
</Agt>
</Assgnr>
<Assgne>
<Agt>
<FinInstnId>
<BICFI>COBADEFFXXX</BICFI>
</FinInstnId>
</Agt>
</Assgne>
<CreDtTm>2026-08-14T10:20:00</CreDtTm>
</Assgnmt>
<Case>
<Id>CASE-2026-0842-DUP</Id>
<Cretr>
<Agt>
<FinInstnId>
<BICFI>DEMOFRPPXXX</BICFI>
</FinInstnId>
</Agt>
</Cretr>
</Case>
<Undrlyg>
<TxInf>
<CxlId>CXLID-0000771412</CxlId>
<OrgnlGrpInf>
<OrgnlMsgId>PACS8-20260812-77412</OrgnlMsgId>
<OrgnlMsgNmId>pacs.008.001.08</OrgnlMsgNmId>
</OrgnlGrpInf>
<OrgnlEndToEndId>E2E-2026-0842</OrgnlEndToEndId>
<OrgnlTxId>TX-DEMO-0000771412</OrgnlTxId>
<OrgnlIntrBkSttlmAmt Ccy="EUR">1250.00</OrgnlIntrBkSttlmAmt>
<OrgnlIntrBkSttlmDt>2026-08-13</OrgnlIntrBkSttlmDt>
<CxlRsnInf>
<Rsn>
<Cd>DUPL</Cd>
</Rsn>
<AddtlInf>Duplicate submission after client retry</AddtlInf>
</CxlRsnInf>
</TxInf>
</Undrlyg>
</FIToFIPmtCxlReq>
</Document>
33 elementsdepth 6camt.056.001.081262 charsxml
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