Exception handling

Swiss Payment Standards / SIC

SIC IP timeout and enquiry

No pacs.002 inside the SIC IP window. Hold the reservation and investigate with pacs.028 — never re-initiate blindly.

Why read this

Same class of bug as SCT Inst timeouts, on the Swiss instant rail.

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Samples in this flow

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Technical view of Swiss Credit Transfer (SIC / SIC IP)

Messages · pacs.008 → pacs.028 → pacs.002

sic-iptimeoutpacs.028exceptionchf

Transaction flow

ASPSPBankRailRTGSCreditorBank01 pacs.008 submitted, timer starts01 pacs.00802 Timeout — no answer0203 pacs.028 status request03 pacs.02804 Late pacs.00204 pacs.002
ASPSP: BankRail: RTGSCreditor: Bank
API hop Clearing hopClick a tag on an arrow (pacs.008, …) for info, usage and sample
Messages
01

pacs.008 submitted, timer starts

Clearing layer

Reservation placed. Clock is the SIC IP SLA, not next SIC batch.

Messagepacs.008Full detail →

The interbank credit transfer. Everything a PISP initiates eventually becomes one of these. SWIFT and ISO publish successive schema versions (…001.08, …001.10, …001.13); each market picks one via its usage guideline (EPC SEPA, CBPR+, SIC…).

Also used in

aspsprail

ISO 20022 payload· XML

pacs.008 SIC Instant Payment

CHF instant credit on SIC IP. Same message family as SCT Inst, Swiss instant ClrSys.

<Document xmlns="http://www.six-interbank-clearing.com/de/pacs.008.001.08.ch.02.xsd">
<FIToFICstmrCdtTrf>
<GrpHdr>
<MsgId>PACS8-SIP-20260812-009</MsgId>
<CreDtTm>2026-08-12T10:15:00.123</CreDtTm>
<NbOfTxs>1</NbOfTxs>
<TtlIntrBkSttlmAmt Ccy="CHF">42.50</TtlIntrBkSttlmAmt>
<IntrBkSttlmDt>2026-08-12</IntrBkSttlmDt>
<SttlmInf>
<SttlmMtd>CLRG</SttlmMtd>
<ClrSys>
<Prtry>SICIP</Prtry>
</ClrSys>
</SttlmInf>
<InstgAgt>
<FinInstnId>
<BICFI>UBSWCHZH80A</BICFI>
</FinInstnId>
</InstgAgt>
<InstdAgt>
<FinInstnId>
<BICFI>ZKBKCHZZ80A</BICFI>
</FinInstnId>
</InstdAgt>
</GrpHdr>
<CdtTrfTxInf>
<PmtId>
<EndToEndId>E2E-SIP-2026-0042</EndToEndId>
<TxId>TX-SIP-0000042</TxId>
</PmtId>
<PmtTpInf>
<LclInstrm>
<Prtry>INST</Prtry>
</LclInstrm>
</PmtTpInf>
<IntrBkSttlmAmt Ccy="CHF">42.50</IntrBkSttlmAmt>
<ChrgBr>SHAR</ChrgBr>
<Dbtr>
<Nm>Anna Meier</Nm>
</Dbtr>
<DbtrAcct>
<Id>
<IBAN>CH9300762011623852957</IBAN>
</Id>
</DbtrAcct>
<DbtrAgt>
<FinInstnId>
<BICFI>UBSWCHZH80A</BICFI>
</FinInstnId>
</DbtrAgt>
<CdtrAgt>
<FinInstnId>
<BICFI>ZKBKCHZZ80A</BICFI>
</FinInstnId>
</CdtrAgt>
<Cdtr>
<Nm>Jonas Keller</Nm>
</Cdtr>
<CdtrAcct>
<Id>
<IBAN>CH5604835012345678009</IBAN>
</Id>
</CdtrAcct>
</CdtTrfTxInf>
</FIToFICstmrCdtTrf>
</Document>
43 elementsdepth 5pacs.008.001.08.ch.021392 charsxml
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