pacs.004 — Payment Return
`pacs.004` is the **interbank payment return message**. It is sent by the **Creditor Bank back to the Debtor Bank** when a previously received `pacs.008`.
3 docs tagged with "pacs004"
View all tagspain.004 — Architectural Clarification & ISO 20022 Mapping
Architectural explanation of why pain.004 does not exist in ISO 20022, the complete taxonomy of the pain message family, and the correct protocol alternatives for Payment Returns, Reversals, and Cancellations.
Payment Returns — Interbank pacs.004 Mechanics, Return Codes & Suspense Accounting
Comprehensive senior architectural guide to payment returns in banking systems, pacs.004 ISO 20022 return mechanics, return reason codes (AC01, AC04, BE04), double-entry suspense accounting, and settlement cut-off windows.