Last reviewed: · Curated by Ohmyfin Organisation editorial.
FOCR (FollowingCancellationRequest) is an ISO 20022 ExternalReturnReason code used in pacs.002 / MT103 STP rejection messages on the SWIFT network. Returned because the originator requested cancellation.
Details
Why it happens: You (or your bank) sent a camt.056 / MT n92 cancellation request and the receiving bank honoured it.
How to fix it: Funds will return to your account; no further action needed unless you want to re-send.
When a bank rejects a SWIFT payment with FOCR, you usually receive the code along with an MT103-STP, MT n96, or pacs.002 message. Your bank may relay the code to you with a plain-English explanation. If they don't, paste your UETR into the Ohmyfin tracker — the rejection status will show in the SWIFT GPI feed.
FOCR is part of the global ExternalReturnReason1Code code set maintained by ISO 20022. The same code is used by SWIFT, SEPA, FedNow, TARGET2 and most modern payment rails worldwide.
Key facts
Code: FOCR
Full name: FollowingCancellationRequest
Standard: ISO 20022 ExternalReturnReason1Code
Carried in: pacs.002, MT103 STP rejection, MT n96
Visible on Ohmyfin: yes — paste your UETR to see the full rejection trail
Frequently asked questions
What does SWIFT reject code FOCR mean?
Returned because the originator requested cancellation.
How do I fix a FOCR rejection?
Funds will return to your account; no further action needed unless you want to re-send.
Will I get my money back after a FOCR rejection?
Yes. SWIFT rejections automatically return the funds to the originator's account, usually within 1–5 business days. Some banks credit immediately; others wait for the actual return wire.
Can I re-send the same payment after FOCR?
Yes — once you fix the underlying issue, you can re-send with a new UETR. Do NOT re-send with the same UETR; that triggers AM05 (Duplication).
Related — more from swift reject reason codes and beyond
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