What does ACWP mean in ISO 20022?

ACWP is Accepted Without Posting in the ExternalPaymentTransactionStatus1Code code set: Payment instruction included in the credit transfer is accepted without being posted to the creditor customer’s account.

What should I do when I get ACWP?

Wait for the final status. If it turns into BLCK, the funds are held.

Where does ACWP appear in a message?

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

ExternalPaymentTransactionStatus1Code

ACWP Status Code: Accepted Without Posting

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

ACWP means accepted without posting in the ISO 20022 payment transaction status code set. The payment was accepted but not posted to the creditor's account yet, for example while the beneficiary bank checks it.

Code: ACWP
ISO name: AcceptedWithoutPosting
Status: Registered
Last updated: 2017-05-01

Official definition

Payment instruction included in the credit transfer is accepted without being posted to the creditor customer’s account.

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 not posted to the creditor's account yet, for example while the beneficiary bank checks it.

What to do

Wait for the final status. If it turns into BLCK, the funds are held.

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

ACWP questions

What does ACWP mean in ISO 20022?: ACWP is Accepted Without Posting in the ExternalPaymentTransactionStatus1Code code set: Payment instruction included in the credit transfer is accepted without being posted to the creditor customer’s account.
What should I do when I get ACWP?: Wait for the final status. If it turns into BLCK, the funds are held.
Where does ACWP 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.