What does AC16 mean in ISO 20022?

AC16 is Card Number Invalid in the ExternalStatusReason1Code code set: Credit or debit card number is invalid.

Where does AC16 appear in a message?

For example in pacs.002, element TxInfAndSts/StsRsnInf/Rsn/Cd.

ExternalStatusReason1Code

AC16 Reason Code: Card Number Invalid

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

AC16 means card number invalid in the ISO 20022 status reason code set. Credit or debit card number is invalid.

Code: AC16
ISO name: CardNumberInvalid
Status: Registered
Last updated: 2021-05-01

Official definition

Credit or debit card number is invalid.

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

Messages and fields that use ExternalStatusReason1Code

Message	Element path
pacs.002	TxInfAndSts/StsRsnInf/Rsn/Cd, OrgnlGrpInfAndSts/StsRsnInf/Rsn/Cd
pain.002	OrgnlGrpInfAndSts/StsRsnInf/Rsn/Cd, OrgnlPmtInfAndSts/StsRsnInf/Rsn/Cd, OrgnlPmtInfAndSts/TxInfAndSts/StsRsnInf/Rsn/Cd
auth.027	GrpSts/StsRsn/Rsn/Cd, PackgSts/StsRsn/Rsn/Cd, PackgSts/RcrdSts/StsRsn/Rsn/Cd
camt.025	RctDtls/ReqHdlg/StsRsn/Rsn/Cd
camt.111	InvstgtnRspn/InvstgtnData/RspnData/TxSts/StsRsnInf/Rsn/Cd
pain.014	OrgnlGrpInfAndSts/StsRsnInf/Rsn/Cd, OrgnlPmtInfAndSts/StsRsnInf/Rsn/Cd, OrgnlPmtInfAndSts/TxInfAndSts/StsRsnInf/Rsn/Cd
reda.016	PtySts/StsRsn/Rsn/Cd
reda.020	SctiesAcctSts/StsRsn/Rsn/Cd
reda.047	SctyCSDLkSts/StsRsn/Rsn/Cd
reda.051	AcctLkSts/StsRsn/Rsn/Cd

And 8 more messages: see the ExternalStatusReason1Code page.

AC16 in other code sets

AC16 in ExternalReturnReason1Code

AC16 questions

What does AC16 mean in ISO 20022?: AC16 is Card Number Invalid in the ExternalStatusReason1Code code set: Credit or debit card number is invalid.
Where does AC16 appear in a message?: For example in pacs.002, element TxInfAndSts/StsRsnInf/Rsn/Cd.

All ExternalStatusReason1Code codes · ISO 20022 code sets · pacs.002 reject reasons explained

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