Payments Clearing & Settlement

PaymentReturnV09

pacsarea
004message
001variant
09version

Payments Clearing & Settlement

Money going back. Used for returns after settlement and as the positive answer to a recall. Carries RtrRsnInf with the original reason code.

Start with the payment story

Then the technical flows

Schema versions

SWIFT and ISO publish successive XSD revisions of the same business message (e.g. pacs.008.001.08 → .10 → .13; same pattern for camt and pain). Markets pin one via a usage guideline (EPC SEPA, CBPR+, Swiss SPS…) and may add a country suffix (pacs.008.001.08.ch.02) — the Document xmlns must match that XSD.

ISO catalogue (XSD) ↗SWIFT / CBPR+ ↗SWIFT & versioning glossary →

Catalogue entry pacs.004.001.09 (variant 001, version 09).

Facts

Root element
PmtRtr
Direction
Bank → bank
Namespace
urn:iso:std:iso:20022:tech:xsd:pacs.004.001.09
Variant (flavour)
001
Version
09
returnr-transactionrecallpacssct-inst

Elements a validator will insist on

Not the full XSD — the paths whose absence causes the rejections you actually see in production.

  • PmtRtr/GrpHdr/MsgId
  • PmtRtr/TxInf/RtrId
  • PmtRtr/TxInf/OrgnlEndToEndId
  • PmtRtr/TxInf/RtrdIntrBkSttlmAmt
  • PmtRtr/TxInf/RtrRsnInf/Rsn/Cd

Usage in flows

ISO 20022 payload· XML

pacs.004 payment return

The money coming back. RtrRsnInf echoes FOCR (following cancellation request) so the debtor bank can match the credit to the original recall case. Switch XML | JSON in the inspector without leaving this sample.

<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pacs.004.001.09">
<PmtRtr>
<GrpHdr>
<MsgId>PACS4-20260815-20114</MsgId>
<CreDtTm>2026-08-15T08:00:00</CreDtTm>
<NbOfTxs>1</NbOfTxs>
<TtlRtrdIntrBkSttlmAmt Ccy="EUR">1250.00</TtlRtrdIntrBkSttlmAmt>
<IntrBkSttlmDt>2026-08-15</IntrBkSttlmDt>
<SttlmInf>
<SttlmMtd>CLRG</SttlmMtd>
</SttlmInf>
</GrpHdr>
<TxInf>
<RtrId>RTN-0000771412</RtrId>
<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>
<RtrdIntrBkSttlmAmt Ccy="EUR">1250.00</RtrdIntrBkSttlmAmt>
<RtrRsnInf>
<Rsn>
<Cd>FOCR</Cd>
</Rsn>
<AddtlInf>Return following recall CASE-2026-0842-DUP</AddtlInf>
</RtrRsnInf>
</TxInf>
</PmtRtr>
</Document>
23 elementsdepth 5pacs.004.001.091054 charsxml
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