1. ACH Credit Transfer User Guide
  2. Originated Credit Transfer - Reject Processing
  3. Upload and Processing of Pacs.002 files
  4. Pacs.002 file upload

Pacs.002 file upload

File reject details received as pacs.002.001.010 file can be received in a specified folder with File envelope details.The File type to be used for pacs.002 file is 'ACHCTReject'.

The system performs file format validations for the pacs.002 files received based on the schema details maintained for the file type in File Parameters (Function ID: PMDFLPRM). If any of the format validations fails, the file gets upfront rejected.

On completing the format validations, the file gets parsed and uploaded. File status of the uploaded file is 'Pending' and Parsing Status is 'Success'. Files can be searched with File Status and/or Parsing status from ACH Inbound file Browser.

The system performs a duplicate check of the files with same File type and Message ID before proceeding further with the processing. If the validation fails, Error gets logged as "File with same Message ID is already processed with Internal File Reference.

An incoming pacs.002 is matched with the original dispatch file by matching the following tags:
  • Original message ID FIToFIPmtStsRpt/OrgnlGrpInfAndSts/OrgnlMsgId
  • Original Message TypeFIToFIPmtStsRpt/OrgnlGrpInfAndSts/OrgnlMsgNmId
If the original dispatch file matching fails the pacs.002 record status is marked as 'Exception'. System error code and error details are logged.

If the original file is matched, the File status of the uploaded file is 'Processed'. The Network status of the original file is updated based on the Group Status (FIToFIPmtStsRpt/ OrgnlGrpInfAndSts/GrpSts) received in pacs.002.

The following static Table is used to map the ISO file status which are allowed in pacs.002 with the Network Status derived by the system:
Status Code Status Description Allow Status Change Network Status (derived by the system) Allow File Regenerat ion Allow Transaction Reject
ACCP Accepted Customer Profile Yes Accepted No No
ACCC Accepted Settlement Completed in Creditor's account No Accepted No No
ACSC Accepted Settlement Completed in debtor's account No Accepted No No
ACSP Accepted Settlement In Process Yes Accepted No No
ACTC Accepted Technical Validation Yes Accepted No No
ACWC Accepted With Change Yes Accepted No No
PART Partially Accepted No Partially Accepted No No
PDNG Pending Yes Interim No No
RCVD Received Yes Interim No No
RJCT Rejected No Rejected Yes Yes
It is possible to receive multiple pacs.002 for the same original file sent.
  • If the current Network Status is 'Interim' it can be moved to any of the other Network status.
  • If the current Network Status is 'Accepted', then the new Status Code received should also derive the Network Status as 'Accepted'. Else, the matching is failed and the error is logged for the new pacs.002 file received.
  • Error message reads as 'The original Dispatch file is already in 'Accepted' status.
  • No status change is allowed for the Network statuses 'Rejected 'or 'Partially Accepted'.

Whenever Network status is updated for a dispatched file as a result of pacs.002 upload, a queue action STS_CHANGE_AUTO is inserted in the Queue action log details.

If the pacs.002 file status is 'RJCT', Receipt Accounting is done, if the file is matched with the original pacs.008 file. The original amounts passed in the dispatch accounting of pacs.008 is reversed in the Receipt accounting with the same settlement dates.
Event Dr/Cr Account Account Type Amount Tag
YXRC Dr Nostro Account Account RJT_STTL_AMT
YXRC Cr Network Clearing GL GL RJT_STTL_AMT

Parent topic: Upload and Processing of Pacs.002 files