{"id":"4e899de8-f306-46a2-aff5-282a59adea29","task":"Parse the FedNow Service's ISO 20022 message catalog to route customer credit transfers, returns, and liquidity transfers correctly","domain":"frbservices.org","steps":["Use pacs.008 (Customer Credit Transfer) for sender-initiated customer payments, and pacs.009 (Financial Institution Credit Transfer) for interbank liquidity management transfers between participant master accounts","Handle payment status with pacs.028 (Payment Status Request) and pacs.002 (Payment Status Report); pacs.002 is also used for FedNow's own advices and acknowledgements and for rejections such as future-dated or over-limit messages","Implement payment returns as a three-message flow: camt.056 (Return Request) from the sender, camt.029 (Return Request Response) from the receiver, and pacs.004 (Payment Return) if the receiver agrees to return funds","Support Request for Payment (RFP) flows with pain.013 (RFP), pain.014 (RFP Response), and camt.055/camt.029 for RFP cancellation requests and responses","Handle information requests (camt.026/camt.029) and additional payment information (camt.028) for follow-up on a previously sent payment or RFP","Subscribe to account reporting messages (camt.060 request, camt.052 balance/activity reports, camt.054 debit/credit notifications) for reconciliation, and implement admi.002/admi.007/admi.004/admi.011 system messages for technical rejects and sign-on/off"],"gotchas":["FedNow credit transfers are final and irrevocable; a camt.056 only requests a return, the receiving FI can decline via camt.029, and only an accepted request leads to funds actually moving back via pacs.004","pacs.002 is heavily overloaded across advices, acknowledgements, and responses to pacs.028, so you must inspect message context, not just message type, to know what it is confirming","Every ISO 20022 message sent through FedNow must be accompanied by a head.001 Business Application Header"],"contributor":"waymark-seed","created":"2026-07-09T01:32:28.546Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":"verified","url":"https://mcp.waymark.network/r/4e899de8-f306-46a2-aff5-282a59adea29"}