ISO20022 Payment Return (pacs.004)

This dataset provides comprehensive records of ISO20022 payment return (pacs.004) messages, detailing rejected or unpaid transactions with standardized reason codes, original transaction references, and processing information. It enables financial institutions to track, reconcile, and analyze payment returns for compliance, operational efficiency, and risk management.

  • last updated 29 Oct 2025
  • by GoMask
The brief that made it

Payment return reconciliation and audit

Sample rows

preview · 8 of 300 rows · all 21 columns
return_message_idstringreturn_amountfloatreturn_reason_codestringoriginal_transaction_idstringoriginal_end_to_end_idstringreturn_reason_descriptionstringreturn_currencystringreturn_datedatereturn_datetimedatetimeoriginal_settlement_datedateoriginal_amountfloatoriginal_currencystringdebtor_namestringdebtor_accountstringdebtor_bank_bicstringcreditor_namestringcreditor_accountstringcreditor_bank_bicstringinitiating_party_namestringinitiating_party_bicstringadditional_informationstring
RET-0001-2023A245.12AC01TX-987654321-AE2E-1234567Incorrect account numberUSD2023-03-162023-03-16T10:23:17Z2023-03-15245.12USDMichael RiveraUS12345678901234567BOFAUS3NJenna MasonUS98765432109876543CITIUS33Bank of AmericaBOFAUS3NReturned due to invalid account details
RET-0002-2023A1199.99AM04TX-126789345-BE2E-2345678Insufficient fundsEUR2023-04-102023-04-10T15:15:44Z2023-04-091199.99EURFranz BauerDE89370400440532013000DEUTDEFFMarta SchmidtDE01500105170648489890COBADEFFDeutsche BankDEUTDEFFTransaction returned due to lack of funds
RET-0003-2023A500MD01TX-345678912-CblankFormatting errorGBP2023-05-172023-05-17T09:01:22Z2023-05-16500GBPOlivia HarrisGB12BARC20201530093459BARCGB22Daniel WhiteGB29NWBK60161331926819NWBKGB2LBarclays UKBARCGB22Returned due to incorrect transaction format
RET-0004-2023A150AC06TX-123098456-DE2E-9876543Account closedUSD2023-06-022023-06-02T11:44:39Z2023-06-01150USDLinda ThompsonUS56789012345678901WELLSUS3Gregory EvansUS23456789012345678JPMORGANWells FargoWELLSUS3Returned as account was closed before settlement
RET-0005-2023A85000FF02TX-456709812-EblankSuspected scamHKD2023-02-212023-02-21T13:22:08Z2023-02-2085000HKDYing ZhangHK098765432109876543HSBCHKHHChun LeeHK123456789012345678BOCHKHKHHSBC Hong KongHSBCHKHHSuspected scam detected, transaction reversed
RET-0006-2023A425AM09TX-654321789-FE2E-3456789Partial returnUSD2023-07-082023-07-08T16:20:10Z2023-07-07500USDErika JonesUS65432198765432109CITIUS33Samuel CarterUS34567890123456789BOFAUS3NCitibank USCITIUS33Partial return of transaction amount
RET-0007-2023A3300.5MD05TX-789012345-GblankBank not foundCAD2023-08-152023-08-15T14:31:06Z2023-08-143300.5CADAlison ClarkeCA987654321098765432ROYCCAT2Robert MillerCA123456789012345678BOFMCAM2RBC CanadaROYCCAT2Returned as receiving bank not found in network
RET-0008-2023A800AC04TX-890123456-HE2E-4567891Closed accountEUR2023-09-232023-09-23T08:43:18Z2023-09-22800EURJohan NilssonSE3550000000054910000003NDEASESSMaria AnderssonSE4550000000054910000004HANDSESSNordea Bank SwedenNDEASESSAccount closed at creditor's bank

What the 300 rows show

from the 300-row sample
  • 925.0median return_amount
  • 13return currencies
  • 13original currencies
  • 59debtor bank bics
  • 63creditor bank bics
  • 66return reason descriptions
return_amount300 rows, in bands of 10M
0150300298000000002050M100Mreturn_amount →

Median 925.0, from 0.0 to 100,000,000.

return_reason_code300 rows · top 10 of 17 values
  1. MD0130
  2. MD0525
  3. AC0123
  4. AM0423
  5. AC0622
  6. MS0220
  7. MS0318
  8. AC0417
  9. AM1017
  10. AM0116
21 columns by typefrom the column list below
  • string 16
  • float 2
  • date 2
  • datetime 1

Columns

21 columns in three groups
blueprint · 21 columns
columntypedescriptionexample
Text 16 columns
return_message_idstringUnique identifier for the payment return messageuniqueRET-0001-2023A
original_transaction_idstringIdentifier of the original payment transaction being returnedTX-987654321-A
original_end_to_end_idstringEnd-to-end reference for the original transactionoptionalE2E-1234567
return_reason_codestringStandardized ISO20022 reason code for the return (e.g., 'AC01', 'MD06')AC01
return_reason_descriptionstringHuman-readable description of the reason for the returnoptionalIncorrect account number
return_currencystringCurrency code of the returned amount (ISO 4217)USD
original_currencystringCurrency code of the original transaction (ISO 4217)optionalUSD
debtor_namestringName of the original debtor (payer)optionalMichael Rivera
debtor_accountstringAccount number or IBAN of the original debtoroptionalUS12345678901234567
debtor_bank_bicstringBIC code of the debtor's bankoptionalBOFAUS3N
creditor_namestringName of the original creditor (payee)optionalJenna Mason
creditor_accountstringAccount number or IBAN of the original creditoroptionalUS98765432109876543
creditor_bank_bicstringBIC code of the creditor's bankoptionalCITIUS33
initiating_party_namestringName of the party initiating the return (usually a bank)optionalBank of America
initiating_party_bicstringBIC code of the party initiating the returnoptionalBOFAUS3N
additional_informationstringAny supplementary information or comments regarding the returnoptionalReturned due to invalid a…
Numbers 2 columns
return_amountfloatAmount being returned to the sender0 or more245.12
original_amountfloatAmount of the original transaction0 or more · optional245.12
Dates and times 3 columns
return_datedateDate the return was processed2023-03-16
return_datetimedatetimeTimestamp when the return message was created2023-03-16T10:23:17Z
original_settlement_datedateSettlement date of the original transactionoptional2023-03-15

Use it for

  • median return …925.0300 rows

    A finance dashboard

    Return_amount and a breakdown of return_reason_code. Excel, Power BI or Tableau.

  • What pattern can you find in 300 rows?

    A class exercise

    Hand out the rows and one question. Everyone works from the same 300 rows.

  • A software demo

    Believable return messages with original_transaction_id, original_end_to_end_id and return_reason_code to fill a screen in front of a buyer.

Not quite right?

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Same 21 columns, your size and your rules. See 20 rows before you pay.

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This dataset300 rows21 columns
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blueprint · iso20022-payment-return-pacs004

Behind this dataset

Same schema. As many rows as you need.

These 300 rows came out of a blueprint — 21 columns with generation rules behind each one. Open it in Data Factory to retune a column, add your own, wire in foreign keys, and run it at the size you actually need.

Rules it was built with
  • Original transaction reference required
  • Return reason code per ISO20022 standard
  • Return within scheme timeframes
  • Original instructed amount matches
  • Charges split documented
  • Return indicator: original or duplicate
  • Settlement reversal instructions
Rows
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Exports
CSV, JSON, JSONL, Parquet, SQL, Excel, TSV, XML
Licence
yours to use, including commercially
API slug
iso20022-payment-return-pacs004

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