pain.004 — Clarification
Does pain.004 Exist in ISO 20022?
No — pain.004 is not a defined ISO 20022 message.
This is a common source of confusion for new learners. The ISO 20022 pain (Payment Initiation) message family skips directly from pain.002 to pain.007. There is no pain.003, pain.004, pain.005, or pain.006 in the standard set.
Quick Reference: Return vs Reversal vs Recall
ISO 20022 Return (pacs.004) vs Reversal (pain.007/pacs.007) vs Recall (camt.056)
SELECT PAYMENT EXCEPTION SCENARIO:
1. Payment Return (pacs.004)
2. Payment Reversal (pain.007 / pacs.007)
3. Formal Recall Request (camt.056)
Message Action Protocol
2. Payment Reversal (pain.007 / pacs.007)
Initiator: Debtor Bank / Originator (Sender)
Reason: Sender error, duplicate transfer (DUPL), fraudulent origin (FRAD), or wrong amount (AM09)
Customer ──[pain.007]──► Debtor Bank ──[pacs.007]──► Creditor Bank ──[pacs.004 FOCR]──► Debtor Bank
See Also
- pacs.004 — Payment Return — The message you are most likely looking for
- pain.007 & pacs.007 — Payment Reversal
- camt.055 & camt.056 — Cancellation Request
- Debit Reversal — Internal accounting reversal