Debug this payment
Payment Debugging Quiz
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Question 1 of 6
Practice payment troubleshooting across ISO 20022 clearing messages and Open Banking API responses. Read the payload and pick the correct reason code or error code.
Why was this pacs.002 rejected?
Identify the reason code in the pacs.002 rejection payload below.
Inspected payload sample
ISO 20022 payload· XML
pacs.002 rejected (RJCT / AC01)
AC01 IncorrectAccountNumber. The IBAN passed its checksum but does not exist at the creditor bank. Fix the data; do not retry the same instruction.
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pacs.002.001.10">
<FIToFIPmtStsRpt>
<GrpHdr>
<MsgId>PACS2-20260812-11877</MsgId>
<CreDtTm>2026-08-12T09:14:31</CreDtTm>
</GrpHdr>
<OrgnlGrpInfAndSts>
<OrgnlMsgId>PACS8-20260812-77412</OrgnlMsgId>
<OrgnlMsgNmId>pacs.008.001.08</OrgnlMsgNmId>
<GrpSts>PART</GrpSts>
</OrgnlGrpInfAndSts>
<TxInfAndSts>
<StsId>STS-0000771413</StsId>
<OrgnlEndToEndId>E2E-2026-0842</OrgnlEndToEndId>
<OrgnlTxId>TX-DEMO-0000771412</OrgnlTxId>
<TxSts>RJCT</TxSts>
<StsRsnInf>
<Orgtr>
<Id>
<OrgId>
<AnyBIC>COBADEFFXXX</AnyBIC>
</OrgId>
</Id>
</Orgtr>
<Rsn>
<Cd>AC01</Cd>
</Rsn>
<AddtlInf>Creditor account unknown</AddtlInf>
</StsRsnInf>
</TxInfAndSts>
</FIToFIPmtStsRpt>
</Document>