ACWP — AcceptedWithoutPosting

ACWP (AcceptedWithoutPosting) is an ISO 20022 / pacs.002 status code that means: Accepted but not yet posted to the beneficiary account.

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Details

Often used by banks that need to do post-settlement processing (FX conversion, internal posting) before the beneficiary sees the funds.

ACWP appears in the status field of a SWIFT payment status query. Ohmyfin surfaces this status when you look up a payment by UETR.

If your payment shows ACWP, the next step depends on the code: ACCC means done; ACSP / ACWP means wait; PDNG means contact the bank holding it; RJCT means request a return and start over.

Quick facts

In progress

If you are the sender

Settlement accepted with a "WithinPayment" caveat — usually a partial-credit or fee-deduction notice.

If you are the beneficiary

Funds are progressing; in some cases a partial amount will be credited and the rest follows.

Next step: Re-check the tracker the next business day to confirm progression to ACSC or ACCC.

At-a-glance specifications
Code	ACWP
ISO 20022 name	AcceptedWithoutPosting
Meaning	Accepted but not yet posted to the beneficiary account.
What it tells you	Often used by banks that need to do post-settlement processing (FX conversion, internal posting) before the beneficiary sees the funds.

Key facts

Code: ACWP
Full name: AcceptedWithoutPosting
ISO 20022 source: pacs.002 (FIToFIPaymentStatusReport)
Visible in the Ohmyfin payment tracker

Frequently asked questions

What does ACWP mean?

Accepted but not yet posted to the beneficiary account.

Is ACWP a final status?

No — the payment is still in flight. Track the UETR for live updates.

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