What does ACWC mean in ISO 20022?

ACWC is Accepted With Change in the ExternalPaymentTransactionStatus1Code code set: Instruction is accepted but a change will be made, such as date or remittance not sent.

What should I do when I get ACWC?

Check what changed (often explained in StsRsnInf) and whether it matters to the beneficiary.

Where does ACWC appear in a message?

For example in pacs.002, element TxInfAndSts/TxSts.

ExternalPaymentTransactionStatus1Code

ACWC Status Code: Accepted With Change

Written and maintained by ZagTrader. Last reviewed 21 October 2026. How this page is sourced and checked

ACWC means accepted with change in the ISO 20022 payment transaction status code set. The payment was accepted, but the bank changed something, for example the execution date or charges.

Code: ACWC
ISO name: AcceptedWithChange
Status: Registered
Last updated: 2017-02-08

Official definition

Instruction is accepted but a change will be made, such as date or remittance not sent.

Definition from the ISO 20022 External Code Sets, 2Q2026 (published 28 Aug 2026).

What it means in practice

A payment transaction status code is the value of TxSts in a pacs.002 or pain.002 status report and of the status in Swift gpi tracker messages (trck).

The payment was accepted, but the bank changed something, for example the execution date or charges.

What to do

Check what changed (often explained in StsRsnInf) and whether it matters to the beneficiary.

Messages and fields that use ExternalPaymentTransactionStatus1Code

Message	Element path
pacs.002	TxInfAndSts/TxSts, OrgnlGrpInfAndSts/NbOfTxsPerSts/DtldSts
pain.002	OrgnlPmtInfAndSts/TxInfAndSts/TxSts, OrgnlGrpInfAndSts/NbOfTxsPerSts/DtldSts, OrgnlPmtInfAndSts/NbOfTxsPerSts/DtldSts
camt.111	InvstgtnRspn/InvstgtnData/RspnData/TxSts/Sts/Cd
pain.014	OrgnlPmtInfAndSts/TxInfAndSts/TxSts, OrgnlGrpInfAndSts/NbOfTxsPerSts/DtldSts, OrgnlPmtInfAndSts/NbOfTxsPerSts/DtldSts
trck.001	TrckrStsAndTx/TxSts/Sts
trck.002	TrckrStsAndTx/TxSts/Sts
trck.004	TrckrStsAndTx/TxSts/Sts

ACWC in other code sets

ACWC in ExternalPaymentGroupStatus1Code

ACWC questions

What does ACWC mean in ISO 20022?: ACWC is Accepted With Change in the ExternalPaymentTransactionStatus1Code code set: Instruction is accepted but a change will be made, such as date or remittance not sent.
What should I do when I get ACWC?: Check what changed (often explained in StsRsnInf) and whether it matters to the beneficiary.
Where does ACWC appear in a message?: For example in pacs.002, element TxInfAndSts/TxSts.

All ExternalPaymentTransactionStatus1Code codes · ISO 20022 code sets

The ISO 20022 code names and definitions on this page are reproduced from material published at iso20022.org under the ISO 20022 Intellectual Property Rights policy. This is not the official source: the up-to-date ISO 20022 standards and repository material are published only at iso20022.org. Explanations in our own words are by ZagTrader. ZagTrader is not affiliated with or endorsed by ISO or Swift.