GLOBAL PAYMENTS KNOWLEDGEISO 20022 / SWIFT / SEPA / MT / MX
pacs.028ISO 20022

pacs.028 — FI-to-FI Payment Status Request

Asks another financial institution for the status of a previously sent payment, direct debit or eligible related instruction. It requests a status report; it neither changes the payment nor proves an outcome.

DIRECTION: Sent by one agent to another, directly or through a clearing and settlement system, under a bilateral or scheme agreement that supports the request.

Version + profile: pacs.028 is a message-family identifier, not a complete version. The numeric .001.xx definition and field rules depend on the scheme, service, usage guideline, and implementation version named in each context; sample namespaces show only the illustrated version.

EVIDENCE AT ARM'S REACH

IMPLEMENTATION RESOURCES

Start with the exact message version, then apply the scheme or network profile that governs your implementation.

An XSD checks XML structure. A usage guideline adds profile rules, conditional fields, code restrictions, and business controls. XSD-valid does not mean scheme-compliant.

Usage guidelineFedwirecurrent

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Field matrixBase ISO 20022current

pacs.028 field matrix

Curated field requirements, contexts, operational meaning, and implementation cautions.

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WHO IS INVOLVED

  • Status requesterIdentifies the original group or transaction precisely and asks only when an expected status is missing or stale.
  • Status providerLocates the original instruction and returns the supported status through the applicable response message or service.

KEY FIELDS

Curated teaching subset. ISO defines the message, but its use is governed by a bilateral agreement, scheme or service profile; do not assume every rail accepts unsolicited pacs.028 requests.

Key fields of pacs.028
FIELDNAMEPRESENCEWHAT IT MEANS
GrpHdr/MsgIdMessage identificationMANDATORYUnique reference for the status request.
GrpHdr/CreDtTmCreation date and timeMANDATORYWhen the requester created the status request.
OrgnlGrpInf/OrgnlMsgIdOriginal message identificationCONDITIONALIdentifies the original message group whose status is requested.
OrgnlGrpInf/OrgnlMsgNmIdOriginal message nameCONDITIONALIdentifies the ISO message definition of the original instruction.
TxInf/StsReqIdStatus request identificationOPTIONALReference for a transaction-level status request.
TxInf/OrgnlInstrIdOriginal instruction identificationCONDITIONALIdentifies the original transaction at instruction level.
TxInf/OrgnlUETROriginal UETRCONDITIONALNetwork reference used to locate the original payment where present.

COMMON ERRORS

  • Treating a technical network ACK as the requested business status.Consequence: Operations closes the chase although the payment may still be rejected, pending or unsettled.Avoid it: Wait for the applicable business status and reconcile it to the original identifiers.
  • Sending status requests repeatedly without an agreed service window.Consequence: Duplicate chases add workload and can race with the genuine response.Avoid it: Apply scheme timers, idempotency and one open case per original instruction.

USAGE CONTEXTS

  • Missing FI-to-FI statusRequests the status of an earlier instruction when the expected business report has not arrived.
  • Bilateral or scheme serviceThe message is used only where the counterpart or infrastructure has agreed how requests and responses are handled.
Sources for this reference2
  1. Official requirement

    ISO 20022 Catalogue of messagesISO 20022 Registration Authority · pacs.028 FIToFIPaymentStatusRequest message definition

    Defines the current versions of all ISO 20022 message definitions, including the pain, pacs, and camt messages taught on this site. · Checked 2026-07-12

    Each message set is described by a Message Definition Report; earlier versions remain available in the ISO 20022 messages archive.

  2. Simplified educational illustration

    Payments Signal editorial teaching modelsPayments Signal

    This site's own simplified teaching models. · Checked 2026-07-12

    What this simplifies: One group/transaction status-request use case; bilateral service rules are omitted.

    Used wherever diagrams, scenarios, figures, or example values are didactic constructions rather than sourced facts; every such use carries a simplifications disclosure. All people, companies, banks, and list entries in examples are fictional.

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