pain.002 API for retrieving payment-file status
pain.002 is the ISO 20022 Customer Payment Status Report. A bank uses it to report whether a pain.001 payment file was received, accepted for processing, or rejected. ISECure's File Exchange API retrieves the response made available by the bank.
What pain.002 tells you
A report can apply to the complete file, a payment batch, or an individual transaction. It contains the status and, when supplied, a reason code. Common states describe reception, processing, acceptance, or rejection, but availability and detail vary by bank and file.
pain.002 is not a bank-account transaction or a universal final confirmation that the creditor account has been credited. Your application must interpret the status according to the bank guideline and your payment workflow.
Retrieval through one bank integration
ISECure handles the bank's Web Services connection, certificates, and file retrieval. Your software lists and downloads pain.002 files through the REST API, SDK, or file synchronization, then reconciles them with the original pain.001 file.
- Management of bank-specific connections and certificates
- Listing and downloading new response files
- Raw ISO 20022 XML for your own status logic
- The same integration pattern across Finnish banks
Status is not a real-time promise
A response is available when the bank creates and publishes the file. ISECure does not change the bank's status or promise continuous real-time tracking. The bank agreement defines file types and response schedules.