pain.001.001.03 - EPC; 1 · pain.001.001.03 - EPC; 1.0 Message Overview Generated by GEFEG.FX Page:...

Generated by GEFEG.FX

Message Implementation Guideline

pain.001.001.03 - EPC; 1.0 Model: pain.001.001.03 - EPC Version: 1.0 Issue date: November 2016

Author: Credit Suisse (Switzerland) Ltd.

Message Overview ............................................................................................................................................ 2

Message Details ............................................................................................................................................... 10

Components .................................................................................................................................................. 173

Legend ........................................................................................................................................................... 891

Disclaimer ...................................................................................................................................................... 895

pain.001.001.03 - EPC; 1.0

Message Overview

Generated by GEFEG.FX Page: 2/87

Index XML Name ISO Name Cardinality

Document

1 CstmrCdtTrfInitn Customer Credit Transfer Initiation V03 1..1

1.1 GrpHdr Group Header 1..1

1.1.1 MsgId Message Identification 1..1 1.1.2 CreDtTm Creation Date Time 1..1 1.1.4 NbOfTxs Number Of Transactions 1..1 1.1.5 CtrlSum Control Sum 0..1

1.1.6 InitgPty Initiating Party 1..1

1.1.6.1 Nm Name 0..1

1.1.6.3 Id Identification 0..1 xs:choice 1..1

1.1.6.3.1 OrgId Organisation Identification 1..1

1.1.6.3.1.1 BICOrBEI BICOr BEI 0..1

1.1.6.3.1.2 Othr Other 0..1

1.1.6.3.1.2.1 Id Identification 1..1

1.1.6.3.1.2.2 SchmeNm Scheme Name 0..1 xs:choice 1..1 1.1.6.3.1.2.2.1 Cd Code 1..1 1.1.6.3.1.2.2.2 Prtry Proprietary 1..1 1.1.6.3.1.2.3 Issr Issuer 0..1

1.2 PmtInf Payment Information 1..n

1.2.1 PmtInfId Payment Information Identification 1..1 1.2.2 PmtMtd Payment Method 1..1 1.2.3 BtchBookg Batch Booking 0..1

1.2.6 PmtTpInf Payment Type Information 0..1

1.2.6.1 InstrPrty Instruction Priority 0..1

1.2.6.2 SvcLvl Service Level 0..1

1.2.6.2.1 Cd Code 1..1

1.2.6.3 LclInstrm Local Instrument 0..1 xs:choice 1..1 1.2.6.3.1 Cd Code 1..1 1.2.6.3.2 Prtry Proprietary 1..1

1.2.6.4 CtgyPurp Category Purpose 0..1 xs:choice 1..1 1.2.6.4.1 Cd Code 1..1 1.2.6.4.2 Prtry Proprietary 1..1 1.2.7 ReqdExctnDt Requested Execution Date 1..1

1.2.9 Dbtr Debtor 1..1

1.2.9.1 Nm Name 1..1

1.2.9.2 PstlAdr Postal Address 0..1




1.2.9.3.1.2 Othr Other 0..1


1.2.9.3.1.2.2 SchmeNm Scheme Name 0..1 xs:choice 1..1 1.2.9.3.1.2.2.1 Cd Code 1..1 1.2.9.3.1.2.2.2 Prtry Proprietary 1..1

1.2.10 DbtrAcct Debtor Account 1..1

1.2.10.1 Id Identification 1..1

1.2.10.1.1 IBAN IBAN 1..1 1.2.10.3 Ccy Currency 0..1

1.2.11 DbtrAgt Debtor Agent 1..1

1.2.11.1 FinInstnId Financial Institution Identification 1..1

1.2.11.1.1 BIC BIC 0..1

1.2.11.1.5 Othr Other 0..1

1.2.11.1.5.1 Id Identification 1..1

1.2.13 UltmtDbtr Ultimate Debtor 0..1

1.2.13.1 Nm Name 0..1

pain.001.001.03 - EPC; 1.0






1.2.13.3.1.2 Othr Other 0..1


1.2.13.3.1.2.2 SchmeNm Scheme Name 0..1 xs:choice 1..1 1.2.13.3.1.2.2.1 Cd Code 1..1 1.2.13.3.1.2.2.2 Prtry Proprietary 1..1 1.2.13.3.1.2.3 Issr Issuer 0..1 1.2.14 ChrgBr Charge Bearer 0..1

1.2.17 CdtTrfTxInf Credit Transfer Transaction Information 1..n

1.2.17.1 PmtId Payment Identification 1..1

1.2.17.1.1 InstrId Instruction Identification 0..1 1.2.17.1.2 EndToEndId End To End Identification 1..1

1.2.17.2 PmtTpInf Payment Type Information 0..1

1.2.17.2.2 SvcLvl Service Level 0..1

1.2.17.2.2.1 Cd Code 1..1

1.2.17.2.3 LclInstrm Local Instrument 0..1 xs:choice 1..1 1.2.17.2.3.1 Cd Code 1..1 1.2.17.2.3.2 Prtry Proprietary 1..1

1.2.17.2.4 CtgyPurp Category Purpose 0..1 xs:choice 1..1 1.2.17.2.4.1 Cd Code 1..1 1.2.17.2.4.2 Prtry Proprietary 1..1

1.2.17.3 Amt Amount 1..1

1.2.17.3.1 InstdAmt Instructed Amount 1..1 Ccy Currency required 1.2.17.5 ChrgBr Charge Bearer 0..1

1.2.17.14 CdtrAgt Creditor Agent 0..1

1.2.17.14.1 FinInstnId Financial Institution Identification 1..1

1.2.17.14.1.1 BIC BIC 0..1

1.2.17.16 Cdtr Creditor 1..1

1.2.17.16.1 Nm Name 1..1

1.2.17.16.2 PstlAdr Postal Address 0..1

1.2.17.16.2.9 Ctry Country 0..1 1.2.17.16.2.10 AdrLine Address Line 0..2

1.2.17.16.3 Id Identification 0..1 xs:choice 1..1

1.2.17.16.3.1 OrgId Organisation Identification 1..1

1.2.17.16.3.1.1 BICOrBEI BICOr BEI 0..1

1.2.17.16.3.1.2 Othr Other 0..1

1.2.17.16.3.1.2.1 Id Identification 1..1

1.2.17.16.3.1.2.2 SchmeNm Scheme Name 0..1 xs:choice 1..1 1.2.17.16.3.1.2.2.1 Cd Code 1..1 1.2.17.16.3.1.2.2.2 Prtry Proprietary 1..1 1.2.17.16.3.1.2.3 Issr Issuer 0..1

1.2.17.17 CdtrAcct Creditor Account 1..1

1.2.17.17.1 Id Identification 1..1

1.2.17.17.1.1 IBAN IBAN 1..1

1.2.17.18 UltmtCdtr Ultimate Creditor 0..1

1.2.17.18.1 Nm Name 0..1

1.2.17.18.3 Id Identification 0..1 xs:choice 1..1

1.2.17.18.3.1 OrgId Organisation Identification 1..1

1.2.17.18.3.1.1 BICOrBEI BICOr BEI 0..1

1.2.17.18.3.1.2 Othr Other 0..1

1.2.17.18.3.1.2.1 Id Identification 1..1

1.2.17.18.3.1.2.2 SchmeNm Scheme Name 0..1

pain.001.001.03 - EPC; 1.0



xs:choice 1..1 1.2.17.18.3.1.2.2.1 Cd Code 1..1 1.2.17.18.3.1.2.2.2 Prtry Proprietary 1..1 1.2.17.18.3.1.2.3 Issr Issuer 0..1

1.2.17.21 Purp Purpose 0..1

1.2.17.21.1 Cd Code 1..1

1.2.17.25 RmtInf Remittance Information 0..1

1.2.17.25.1 Ustrd Unstructured 0..1

1.2.17.25.2 Strd Structured 0..1

1.2.17.25.2.3 CdtrRefInf Creditor Reference Information 0..1

1.2.17.25.2.3.1 Tp Type 1..1

1.2.17.25.2.3.1.1 CdOrPrtry Code Or Proprietary 1..1

1.2.17.25.2.3.1.1.1 Cd Code 1..1 1.2.17.25.2.3.1.2 Issr Issuer 0..1 1.2.17.25.2.3.2 Ref Reference 1..1

pain.001.001.03 - EPC; 1.0

Message Details

Generated by GEFEG.FX Page: 5 /87

XML Name Description

Document Type Document Document +CstmrCdtTrfInitn

Index 1 ISO Name Customer Credit Transfer Initiation V03 Cardinality 1..1 ISO Definition The CustomerCreditTransferInitiation message is sent by the initiating party to the

forwarding agent or debtor's agent. It is used to request movement of funds from debtor's account to a creditor.

Type CustomerCreditTransferInitiationV03

Document +CstmrCdtTrfInitn ++GrpHdr

Index 1.1 ISO Name Group Header Cardinality 1..1 ISO Definition Set of characteristics shared by all individual transactions included in the message. Type GroupHeader32

Document +CstmrCdtTrfInitn ++GrpHdr +++MsgId

Index 1.1.1 ISO Name Message Identification Cardinality 1..1 ISO Definition Point to point reference, as assigned by the instructing party, and sent to the next party

in the chain to unambiguously identify the message. Usage: The instructing party has to make sure that MessageIdentification is unique per instructed party for a pre-agreed period.

Type Max35Text Length 1 .. 35 Example Message-ID-4711

Document +CstmrCdtTrfInitn ++GrpHdr +++CreDtTm

Index 1.1.2 ISO Name Creation Date Time Cardinality 1..1 ISO Definition Date and time at which the message was created. Type ISODateTime

Document +CstmrCdtTrfInitn ++GrpHdr +++NbOfTxs

Index 1.1.4 ISO Name Number Of Transactions Cardinality 1..1 ISO Definition Number of individual transactions contained in the message. Type Max15NumericText Pattern [0-9]{1,15}

Document +CstmrCdtTrfInitn ++GrpHdr +++CtrlSum

Index 1.1.5 ISO Name Control Sum Cardinality 0..1 ISO Definition Total of all individual amounts included in the message, irrespective of currencies. Type DecimalNumber FractionDigits 17 TotalDigits 18

Document +CstmrCdtTrfInitn ++GrpHdr +++InitgPty

Index 1.1.6 ISO Name Initiating Party Cardinality 1..1 ISO Definition Party that initiates the payment.

Usage: This can either be the debtor or the party that initiates the credit transfer on behalf of the debtor.

Type PartyIdentification32

Document +CstmrCdtTrfInitn ++GrpHdr +++InitgPty ++++Nm

Index 1.1.6.1 ISO Name Name Cardinality 0..1 ISO Definition Name by which a party is known and which is usually used to identify that party. Type Max140Text Length 1 .. 70 EPC Rule 'Name’ is limited to 70 characters in length.

Document +CstmrCdtTrfInitn ++GrpHdr +++InitgPty ++++Id

Index 1.1.6.3 ISO Name Identification Cardinality 0..1 ISO Definition Unique and unambiguous identification of a party. Type Party6Choice

Cardinality 1..1

pain.001.001.03 - EPC; 1.0

Generated by GEFEG.FX Page: 6 / 87


Document +CstmrCdtTrfInitn ++GrpHdr +++InitgPty ++++Id +++++OrgId

Index 1.1.6.3.1 ISO Name Organisation Identification Cardinality 1..1 ISO Definition Unique and unambiguous way to identify an organisation. Type OrganisationIdentification4 EPC Rule Either ‘BIC or BEI’ or one occurrence of ‘Other’ is allowed.

Document +CstmrCdtTrfInitn ++GrpHdr +++InitgPty ++++Id +++++OrgId ++++++BICOrBEI

Index 1.1.6.3.1.1 ISO Name BICOr BEI Cardinality 0..1 ISO Definition Code allocated to a financial institution or non financial institution by the ISO 9362

Registration Authority as described in ISO 9362 "Banking - Banking telecommunication messages - Business identifier code (BIC)".

Type AnyBICIdentifier Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3}){0,1} ISO Rule Only a valid Business identifier code is allowed. Business identifier codes for financial

or non-financial institutions are registered by the ISO 9362 Registration Authority in the BIC directory, and consists of eight (8) or eleven (11) contiguous characters comprising the first three or all four of the following components: INSTITUTION CODE, COUNTRY CODE, LOCATION CODE, BRANCH CODE. The institution code, country code and location code are mandatory, while the branch code is optional.

Document +CstmrCdtTrfInitn ++GrpHdr +++InitgPty ++++Id +++++OrgId ++++++Othr

Index 1.1.6.3.1.2 ISO Name Other Cardinality 0..1 ISO Definition Unique identification of an organisation, as assigned by an institution, using an

identification scheme. Type GenericOrganisationIdentification1

Document +CstmrCdtTrfInitn ++GrpHdr +++InitgPty ++++Id +++++OrgId ++++++Othr +++++++Id

Index 1.1.6.3.1.2.1 ISO Name Identification Cardinality 1..1 ISO Definition Identification assigned by an institution. Type Max35Text Length 1 .. 35

Document +CstmrCdtTrfInitn ++GrpHdr +++InitgPty ++++Id +++++OrgId ++++++Othr +++++++SchmeNm

Index 1.1.6.3.1.2.2 ISO Name Scheme Name Cardinality 0..1 ISO Definition Name of the identification scheme. Type OrganisationIdentificationSchemeName1Choice

Cardinality 1..1

Document +CstmrCdtTrfInitn ++GrpHdr +++InitgPty ++++Id +++++OrgId ++++++Othr +++++++SchmeNm ++++++++Cd

Index 1.1.6.3.1.2.2.1 ISO Name Code Cardinality 1..1 ISO Definition Name of the identification scheme, in a coded form as published in an external list. Type ExternalOrganisationIdentification1Code Length 1 .. 4

Document +CstmrCdtTrfInitn ++GrpHdr +++InitgPty ++++Id +++++OrgId ++++++Othr +++++++SchmeNm ++++++++Prtry

Index 1.1.6.3.1.2.2.2 ISO Name Proprietary Cardinality 1..1 ISO Definition Name of the identification scheme, in a free text form. Type Max35Text Length 1 .. 35

pain.001.001.03 - EPC; 1.0



Document +CstmrCdtTrfInitn ++GrpHdr +++InitgPty ++++Id +++++OrgId ++++++Othr +++++++Issr

Index 1.1.6.3.1.2.3 ISO Name Issuer Cardinality 0..1 ISO Definition Entity that assigns the identification. Type Max35Text Length 1 .. 35

Document +CstmrCdtTrfInitn ++PmtInf

Index 1.2 ISO Name Payment Information Cardinality 1..unbounded ISO Definition Set of characteristics that applies to the debit side of the payment transactions included

in the credit transfer initiation. Type PaymentInstructionInformation3 ISO Rule If ChargeBearer is present, then CreditTransferTransactionInformation/ChargeBearer is

not allowed. If CreditTransferTransactionInformation/ChargeBearer is present, then ChargeBearer is not allowed. CreditTransferTransactionInformation/ChargeBearer and ChargeBearer may both be absent. If ChargesAccountAgent is present, then it must contain a branch of the DebtorAgent. It must not contain a completely different agent. If ChargesAccountAgent is present, then ChargesAccount must be present. If PaymentMethod is CHK, then CreditTransferTransactionInformation/CreditorAccount is not allowed. If PaymentMethod is CHK and CreditTransferTransactionInformation/ ChequeInstruction/DeliveryMethod/Code is present and is equal to MLFA, CRFA, RGFA or PUFA, then CreditTransferTransactionInformation/CreditorAgent must be present. If PaymentMethod is CHK and CreditTransferTransactionInformation/ ChequeInstruction/DeliveryMethod/Code is present and different from MLFA, CRFA, RGFA or PUFA, then CreditTransferTransactionInformation/CreditorAgent is not allowed. If PaymentMethod is different from CHK, then CreditTransferTransactionInformation/ ChequeInstruction is not allowed. If PaymentMethod is CHK and CreditTransferTransactionInformation/ ChequeInstruction/DeliveryMethod is not present, then CreditTransferTransactionInformation/CreditorAgent is not allowed. If PaymentMethod is different from CHK and CreditTransferTransactionInformation/ Creditor is not present, then CreditTransferTransactionInformation/CreditorAccount must be present. If PaymentTypeInformation is present, then CreditTransferTransactionInformation/ PaymentTypeInformation is not allowed. If UltimateDebtor is present, then CreditTransferTransactionInformation/UltimateDebtor is not allowed. If CreditTransferTransactionInformation/UltimateDebtor is present, then UltimateDebtor is not allowed. CreditTransferTransactionInformation/UltimateDebtor and UltimateDebtor may both be absent.

Document +CstmrCdtTrfInitn ++PmtInf +++PmtInfId

Index 1.2.1 ISO Name Payment Information Identification Cardinality 1..1 ISO Definition Unique identification, as assigned by a sending party, to unambiguously identify the

payment information group within the message. Type Max35Text Length 1 .. 35 Example Payment-Information-ID-4711

Document +CstmrCdtTrfInitn ++PmtInf +++PmtMtd

Index 1.2.2 ISO Name Payment Method Cardinality 1..1 ISO Definition Specifies the means of payment that will be used to move the amount of money. Type PaymentMethod3Code Fixed TRF EPC Rule Only ‘TRF’ is allowed.

Code restrictions TRF CreditTransfer

pain.001.001.03 - EPC; 1.0



Code restrictions Transfer of an amount of money in the books of the account servicer. Document +CstmrCdtTrfInitn ++PmtInf +++BtchBookg

Index 1.2.3 ISO Name Batch Booking Cardinality 0..1 ISO Definition Identifies whether a single entry per individual transaction or a batch entry for the sum

of the amounts of all transactions within the group of a message is requested. Usage: Batch booking is used to request and not order a possible batch booking.

Type BatchBookingIndicator EPC Rule If present and contains ‘true’, batch booking is requested. If present and contains

‘false’, booking per transaction is requested. If element is not present, pre-agreed customer-to-bank conditions apply.

Credit Suisse If element is not present, than batch booking is true. Allowed values: "true"=>batch booking, "false"=>single booking)

Document +CstmrCdtTrfInitn ++PmtInf +++PmtTpInf

Index 1.2.6 ISO Name Payment Type Information Cardinality 0..1 ISO Definition Set of elements used to further specify the type of transaction. Type PaymentTypeInformation19 EPC Rule If used, it is recommended to be used only at ‘Payment Information’ level and not at

Credit Transfer Transaction Information’ level. When ‘Instruction Priority’ is to be used, ‘Payment Type Information’ must be present at ‘Payment Information’ level.

Document +CstmrCdtTrfInitn ++PmtInf +++PmtTpInf ++++InstrPrty

Index 1.2.6.1 ISO Name Instruction Priority Cardinality 0..1 ISO Definition Indicator of the urgency or order of importance that the instructing party would like the

instructed party to apply to the processing of the instruction. Type Priority2Code EPC Rule If present, pre-agreed customer-to-bank conditions apply. Credit Suisse Only allowed on Payment Information Level and consequently applicable for all

(1-n) payments in the batch. Any other value on lower level is overruled and ignored.

Document +CstmrCdtTrfInitn ++PmtInf +++PmtTpInf ++++SvcLvl

Index 1.2.6.2 ISO Name Service Level Cardinality 0..1 ISO Definition Agreement under which or rules under which the transaction should be processed. Type ServiceLevel8Choice EPC Rule Usage is recommended.

Document +CstmrCdtTrfInitn ++PmtInf +++PmtTpInf ++++SvcLvl +++++Cd

Index 1.2.6.2.1 ISO Name Code Cardinality 1..1 ISO Definition Specifies a pre-agreed service or level of service between the parties, as published in

an external service level code list. SEPA Core Req (Identification code of the Scheme) Type ExternalServiceLevel1Code Fixed SEPA Length 4 .. 4 EPC Rule Only ‘SEPA’ is allowed.

Code restrictions SEPA SingleEuroPaymentsArea

Payment must be executed following the Single Euro Payments Area scheme. Document +CstmrCdtTrfInitn ++PmtInf +++PmtTpInf ++++LclInstrm

Index 1.2.6.3 ISO Name Local Instrument Cardinality 0..1 ISO Definition User community specific instrument.

Usage: This element is used to specify a local instrument, local clearing option and/or further qualify the service or service level.

Type LocalInstrument2Choice Cardinality 1..1

pain.001.001.03 - EPC; 1.0



Document +CstmrCdtTrfInitn ++PmtInf +++PmtTpInf ++++LclInstrm +++++Cd

Index 1.2.6.3.1 ISO Name Code Cardinality 1..1 ISO Definition Specifies the local instrument, as published in an external local instrument code list. Type ExternalLocalInstrument1Code Length 1 .. 35

Document +CstmrCdtTrfInitn ++PmtInf +++PmtTpInf ++++LclInstrm +++++Prtry

Index 1.2.6.3.2 ISO Name Proprietary Cardinality 1..1 ISO Definition Specifies the local instrument, as a proprietary code. Type Max35Text Length 1 .. 35

Document +CstmrCdtTrfInitn ++PmtInf +++PmtTpInf ++++CtgyPurp

Index 1.2.6.4 ISO Name Category Purpose Cardinality 0..1 ISO Definition Specifies the high level purpose of the instruction based on a set of pre-defined

categories. Usage: This is used by the initiating party to provide information concerning the processing of the payment. It is likely to trigger special processing by any of the agents involved in the payment chain.

SEPA Core Req (Category purpose of the Credit Transfer) Type CategoryPurpose1Choice EPC Rule Depending on the agreement between the Originator and the Originator Bank,

‘Category Purpose’ may be forwarded to the Beneficiary Bank. Credit Suisse If this Category Purpose is present than Category Purpose on transaction level

(C-level) will be ignored. Identical approach as for Instruction Priority. So when provided by client applicable for all payments in the batch. All codes of the ISO standard are allowed. Some ISO codes could trigger specific handling (e.g. INTC, SALA). Other values needs to be transported through the end-2-end chain including to CSM.

Cardinality 1..1

Document +CstmrCdtTrfInitn ++PmtInf +++PmtTpInf ++++CtgyPurp +++++Cd

Index 1.2.6.4.1 ISO Name Code Cardinality 1..1 ISO Definition Category purpose, as published in an external category purpose code list. Type ExternalCategoryPurpose1Code Length 1 .. 4

Document +CstmrCdtTrfInitn ++PmtInf +++PmtTpInf ++++CtgyPurp +++++Prtry

Index 1.2.6.4.2 ISO Name Proprietary Cardinality 1..1 ISO Definition Category purpose, in a proprietary form. Type Max35Text Length 1 .. 35

Document +CstmrCdtTrfInitn ++PmtInf +++ReqdExctnDt

Index 1.2.7 ISO Name Requested Execution Date Cardinality 1..1 ISO Definition Date at which the initiating party requests the clearing agent to process the payment.

Usage: This is the date on which the debtor's account is to be debited. If payment by cheque, the date when the cheque must be generated by the bank.

Type ISODate Credit Suisse Must be a valid date between D-10 calendar days and D+90 calendar days. So

Requested Execution Date is accepted if date is in range [10 days in past to 90 days in future].

Document +CstmrCdtTrfInitn ++PmtInf +++Dbtr

Index 1.2.9 ISO Name Debtor Cardinality 1..1 ISO Definition Party that owes an amount of money to the (ultimate) creditor. Type PartyIdentification32

Document +CstmrCdtTrfInitn ++PmtInf +++Dbtr ++++Nm

Index 1.2.9.1 ISO Name Name Cardinality 1..1 ISO Definition Name by which a party is known and which is usually used to identify that party. SEPA Core Req Mandatory (Name of the Originator) Type Max140Text Length 1 .. 70 EPC Rule ‘Name’ is limited to 70 characters in length.

pain.001.001.03 - EPC; 1.0



Document +CstmrCdtTrfInitn ++PmtInf +++Dbtr ++++PstlAdr

Index 1.2.9.2 ISO Name Postal Address Cardinality 0..1 ISO Definition Information that locates and identifies a specific address, as defined by postal services. SEPA Core Req (AT-03 Address of the Originator) Type PostalAddress6

Document +CstmrCdtTrfInitn ++PmtInf +++Dbtr ++++Id

Index 1.2.9.3 ISO Name Identification Cardinality 0..1 ISO Definition Unique and unambiguous identification of a party. SEPA Core Req (Originator Identification Code) Type Party6Choice

Cardinality 1..1

Document +CstmrCdtTrfInitn ++PmtInf +++Dbtr ++++Id +++++OrgId


Document +CstmrCdtTrfInitn ++PmtInf +++Dbtr ++++Id +++++OrgId ++++++BICOrBEI



Type AnyBICIdentifier Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3}){0,1} Example BANKDEFFXXX ISO Rule Only a valid Business identifier code is allowed. Business identifier codes for financial


Document +CstmrCdtTrfInitn ++PmtInf +++Dbtr ++++Id +++++OrgId ++++++Othr



Document +CstmrCdtTrfInitn ++PmtInf +++Dbtr ++++Id +++++OrgId ++++++Othr +++++++Id


Document +CstmrCdtTrfInitn ++PmtInf +++Dbtr ++++Id +++++OrgId ++++++Othr +++++++SchmeNm


Cardinality 1..1

pain.001.001.03 - EPC; 1.0



Document +CstmrCdtTrfInitn ++PmtInf +++Dbtr ++++Id +++++OrgId ++++++Othr +++++++SchmeNm ++++++++Cd


Document +CstmrCdtTrfInitn ++PmtInf +++Dbtr ++++Id +++++OrgId ++++++Othr +++++++SchmeNm ++++++++Prtry


Document +CstmrCdtTrfInitn ++PmtInf +++DbtrAcct

Index 1.2.10 ISO Name Debtor Account Cardinality 1..1 ISO Definition Unambiguous identification of the account of the debtor to which a debit entry will be

made as a result of the transaction. SEPA Core Req (Account Number of the Originator) Type CashAccount16 Credit Suisse Only IBAN is allowed

Document +CstmrCdtTrfInitn ++PmtInf +++DbtrAcct ++++Id

Index 1.2.10.1 ISO Name Identification Cardinality 1..1 ISO Definition Unique and unambiguous identification for the account between the account owner and

the account servicer. Type AccountIdentification4Choice EPC Rule Only IBAN is allowed.

Document +CstmrCdtTrfInitn ++PmtInf +++DbtrAcct ++++Id +++++IBAN

Index 1.2.10.1.1 ISO Name IBAN Cardinality 1..1 ISO Definition International Bank Account Number (IBAN) - identifier used internationally by financial

institutions to uniquely identify the account of a customer. Further specifications of the format and content of the IBAN can be found in the standard ISO 13616 "Banking and related financial services - International Bank Account Number (IBAN)" version 1997- 10-01, or later revisions.

Type IBAN2007Identifier Pattern [A-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,30} ISO Rule A valid IBAN consists of all three of the following components: Country Code, check

digits and BBAN. Document +CstmrCdtTrfInitn ++PmtInf +++DbtrAcct ++++Ccy

Index 1.2.10.3 ISO Name Currency Cardinality 0..1 ISO Definition Identification of the currency in which the account is held.

Usage: Currency should only be used in case one and the same account number covers several currencies and the initiating party needs to identify which currency needs to be used for settlement on the account.

Type ActiveOrHistoricCurrencyCode Pattern [A-Z]{3,3} ISO Rule The Currency Code must be registered, or have already been registered. Valid active or

historic currency codes are registered with the ISO 4217 Maintenance Agency, consist of three (3) contiguous letters, and may be or not be withdrawn on the day the message containing the Currency is exchanged.

Document +CstmrCdtTrfInitn ++PmtInf +++DbtrAgt

Index 1.2.11 ISO Name Debtor Agent Cardinality 1..1 ISO Definition Financial institution servicing an account for the debtor. SEPA Core Req (AT-01 Account Number of the Originator) Type BranchAndFinancialInstitutionIdentification4

pain.001.001.03 - EPC; 1.0



Document +CstmrCdtTrfInitn ++PmtInf +++DbtrAgt ++++FinInstnId

Index 1.2.11.1 ISO Name Financial Institution Identification Cardinality 1..1 ISO Definition Unique and unambiguous identification of a financial institution, as assigned under an

internationally recognised or proprietary identification scheme. Type FinancialInstitutionIdentification7 EPC Rule Either BIC or ‘Other/Identification’ must be used.

Document +CstmrCdtTrfInitn ++PmtInf +++DbtrAgt ++++FinInstnId +++++BIC

Index 1.2.11.1.1 ISO Name BIC Cardinality 0..1 ISO Definition Code allocated to a financial institution by the ISO 9362 Registration Authority as

described in ISO 9362 "Banking - Banking telecommunication messages - Business identifier code (BIC)".

SEPA Core Req (BIC code of the Originator Bank) The BIC is optional for national transactions except if Member States use the waiver as per Article 16(6) of EU Regulation 260/2012. The BIC is mandatory for EU/EEA cross-border transactions until 31 January 2016 and it will continue to be mandatory for non-EU /EEA cross-border SEPA transactions.

Type BICIdentifier Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3}){0,1} ISO Rule Valid BICs for financial institutions are registered by the ISO 9362 Registration

Authority in the BIC directory, and consist of eight (8) or eleven (11) contiguous characters comprising the first three or all four of the following components: INSTITUTION CODE, COUNTRY CODE, LOCATION CODE, BRANCH CODE. The institution code, country code and location code are mandatory, while the branch code is optional.

Credit Suisse Optional; either valid BIC belonging to the IBAN or leave empty

Document +CstmrCdtTrfInitn ++PmtInf +++DbtrAgt ++++FinInstnId +++++Othr

Index 1.2.11.1.5 ISO Name Other Cardinality 0..1 ISO Definition Unique identification of an agent, as assigned by an institution, using an identification

scheme. Type GenericFinancialIdentification1

Document +CstmrCdtTrfInitn ++PmtInf +++DbtrAgt ++++FinInstnId +++++Othr ++++++Id

Index 1.2.11.1.5.1 ISO Name Identification Cardinality 1..1 ISO Definition Unique and unambiguous identification of a person. Type Max35Text Fixed NOTPROVIDED Length 1 .. 35 EPC Rule Only ‘NOTPROVIDED’ is allowed.

Document +CstmrCdtTrfInitn ++PmtInf +++UltmtDbtr

Index 1.2.13 ISO Name Ultimate Debtor Cardinality 0..1 ISO Definition Ultimate party that owes an amount of money to the (ultimate) creditor. Type PartyIdentification32

Document +CstmrCdtTrfInitn ++PmtInf +++UltmtDbtr ++++Nm

Index 1.2.13.1 ISO Name Name Cardinality 0..1 ISO Definition Name by which a party is known and which is usually used to identify that party. SEPA Core Req (Name of the Originator Reference Party) Type Max140Text Length 1 .. 70 EPC Rule ‘Name’ is limited to 70 characters in length.

Document +CstmrCdtTrfInitn ++PmtInf +++UltmtDbtr ++++Id

Index 1.2.13.3 ISO Name Identification Cardinality 0..1 ISO Definition Unique and unambiguous identification of a party. SEPA Core Req (AT-09 Identification code of the Originator Reference Party) Type Party6Choice

Cardinality 1..1

pain.001.001.03 - EPC; 1.0



Document +CstmrCdtTrfInitn ++PmtInf +++UltmtDbtr ++++Id +++++OrgId


Document +CstmrCdtTrfInitn ++PmtInf +++UltmtDbtr ++++Id +++++OrgId ++++++BICOrBEI





Document +CstmrCdtTrfInitn ++PmtInf +++UltmtDbtr ++++Id +++++OrgId ++++++Othr



Document +CstmrCdtTrfInitn ++PmtInf +++UltmtDbtr ++++Id +++++OrgId ++++++Othr +++++++Id


Document +CstmrCdtTrfInitn ++PmtInf +++UltmtDbtr ++++Id +++++OrgId ++++++Othr +++++++SchmeNm


Cardinality 1..1

Document +CstmrCdtTrfInitn ++PmtInf +++UltmtDbtr ++++Id +++++OrgId ++++++Othr +++++++SchmeNm ++++++++Cd


Document +CstmrCdtTrfInitn ++PmtInf +++UltmtDbtr ++++Id +++++OrgId ++++++Othr +++++++SchmeNm ++++++++Prtry


pain.001.001.03 - EPC; 1.0



Document +CstmrCdtTrfInitn ++PmtInf +++UltmtDbtr ++++Id +++++OrgId ++++++Othr +++++++Issr

Index 1.2.13.3.1.2.3 ISO Name Issuer Cardinality 0..1 ISO Definition Entity that assigns the identification. Type Max35Text Length 1 .. 35

Document +CstmrCdtTrfInitn ++PmtInf +++ChrgBr

Index 1.2.14 ISO Name Charge Bearer Cardinality 0..1 ISO Definition Specifies which party/parties will bear the charges associated with the processing of the

payment transaction. Type ChargeBearerType1Code Fixed SLEV EPC Rule Only ‘SLEV’ is allowed.

It is recommended that this element be specified at ‘Payment Information’ level. Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf

Index 1.2.17 ISO Name Credit Transfer Transaction Information Cardinality 1..unbounded ISO Definition Set of elements used to provide information on the individual transaction(s) included in

the message. Type CreditTransferTransactionInformation10 ISO Rule If InstructionForCreditorAgent/Code contains CHQB, then CreditorAccount is not

allowed. If IntermediaryAgent1Account is present, then IntermediaryAgent1 must be present. If IntermediaryAgent2Account is present, then IntermediaryAgent2 must be present. If IntermediaryAgent2 is present, then IntermediaryAgent1 must be present. If IntermediaryAgent3Account is present, then IntermediaryAgent3 must be present. If IntermediaryAgent3 is present, then IntermediaryAgent2 must be present.

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++PmtId

Index 1.2.17.1 ISO Name Payment Identification Cardinality 1..1 ISO Definition Set of elements used to reference a payment instruction. Type PaymentIdentification1

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++PmtId +++++InstrId

Index 1.2.17.1.1 ISO Name Instruction Identification Cardinality 0..1 ISO Definition Unique identification as assigned by an instructing party for an instructed party to

unambiguously identify the instruction. Usage: the instruction identification is a point to point reference that can be used between the instructing party and the instructed party to refer to the individual instruction. It can be included in several messages related to the instruction.

Type Max35Text Length 1 .. 35

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++PmtId +++++EndToEndId

Index 1.2.17.1.2 ISO Name End To End Identification Cardinality 1..1 ISO Definition Unique identification assigned by the initiating party to unumbiguously identify the

transaction. This identification is passed on, unchanged, throughout the entire end-to- end chain. Usage: The end-to-end identification can be used for reconciliation or to link tasks relating to the transaction. It can be included in several messages related to the transaction.

SEPA Core Req (Originator’s Reference to the Credit Transfer) Type Max35Text Length 1 .. 35

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++PmtTpInf

Index 1.2.17.2 ISO Name Payment Type Information Cardinality 0..1 ISO Definition Set of elements used to further specify the type of transaction. Type PaymentTypeInformation19 EPC Rule If used, it is recommended to be used at ‘Payment Information’ level and not at ‘Credit

Transfer Transaction Information’ level.

pain.001.001.03 - EPC; 1.0



Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++PmtTpInf +++++SvcLvl

Index 1.2.17.2.2 ISO Name Service Level Cardinality 0..1 ISO Definition Agreement under which or rules under which the transaction should be processed. Type ServiceLevel8Choice EPC Rule Usage is recommended.

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++PmtTpInf +++++SvcLvl ++++++Cd

Index 1.2.17.2.2.1 ISO Name Code Cardinality 1..1 ISO Definition Specifies a pre-agreed service or level of service between the parties, as published in

an external service level code list. SEPA Core Req (Identification code of the Scheme) Type ExternalServiceLevel1Code Fixed SEPA Length 1 .. 4 EPC Rule Only ‘SEPA’ is allowed.

Code restrictions SEPA SingleEuroPaymentsArea

Payment must be executed following the Single Euro Payments Area scheme. Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++PmtTpInf +++++LclInstrm

Index 1.2.17.2.3 ISO Name Local Instrument Cardinality 0..1 ISO Definition User community specific instrument.

Usage: This element is used to specify a local instrument, local clearing option and/or further qualify the service or service level.

Type LocalInstrument2Choice Cardinality 1..1

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++PmtTpInf +++++LclInstrm ++++++Cd

Index 1.2.17.2.3.1 ISO Name Code Cardinality 1..1 ISO Definition Specifies the local instrument, as published in an external local instrument code list. Type ExternalLocalInstrument1Code Length 1 .. 35

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++PmtTpInf +++++LclInstrm ++++++Prtry

Index 1.2.17.2.3.2 ISO Name Proprietary Cardinality 1..1 ISO Definition Specifies the local instrument, as a proprietary code. Type Max35Text Length 1 .. 35

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++PmtTpInf +++++CtgyPurp

Index 1.2.17.2.4 ISO Name Category Purpose Cardinality 0..1 ISO Definition Specifies the high level purpose of the instruction based on a set of pre-defined

categories. Usage: This is used by the initiating party to provide information concerning the processing of the payment. It is likely to trigger special processing by any of the agents involved in the payment chain.

SEPA Core Req (Category purpose of the Credit Transfer) Type CategoryPurpose1Choice EPC Rule Depending on the agreement between the Originator and the Originator Bank,

‘Category Purpose’ may be forwarded to the Beneficiary Bank. Credit Suisse If Category Purpose is present on payment level (B-level) than Category Purpose

on transaction level (C-level) will be ignored. Cardinality 1..1

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++PmtTpInf +++++CtgyPurp ++++++Cd

Index 1.2.17.2.4.1 ISO Name Code Cardinality 1..1 ISO Definition Category purpose, as published in an external category purpose code list. Type ExternalCategoryPurpose1Code Length 1 .. 4

pain.001.001.03 - EPC; 1.0



Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++PmtTpInf +++++CtgyPurp ++++++Prtry

Index 1.2.17.2.4.2 ISO Name Proprietary Cardinality 1..1 ISO Definition Category purpose, in a proprietary form. Type Max35Text Length 1 .. 35

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++Amt

Index 1.2.17.3 ISO Name Amount Cardinality 1..1 ISO Definition Amount of money to be moved between the debtor and creditor, before deduction of

charges, expressed in the currency as ordered by the initiating party. Type AmountType3Choice

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++Amt +++++InstdAmt

Index 1.2.17.3.1 ISO Name Instructed Amount Cardinality 1..1 ISO Definition Amount of money to be moved between the debtor and creditor, before deduction of

charges, expressed in the currency as ordered by the initiating party. SEPA Core Req (Amount of the Credit Transfer in Euro) Type ActiveOrHistoricCurrencyAndAmount FractionDigits 2 TotalDigits 18 Inclusive 0.01 .. 999999999.99 EPC Rule Only ‘EUR’ is allowed.

Amount must be 0.01 or more and 999999999.99 or less. Format Rule: The fractional part has a maximum of two digits.

ISO Rule The number of fractional digits (or minor unit of currency) must comply with ISO 4217. Note: The decimal separator is a dot.

Ccy ISO Name Currency Use required ISO Definition A code allocated to a currency by a Maintenance Agency under an international

identification scheme, as described in the latest edition of the international standard ISO 4217 "Codes for the representation of currencies and funds".

Type ActiveOrHistoricCurrencyCode Fixed EUR Pattern [A-Z]{3,3} ISO Rule The Currency Code must be registered, or have already been registered. Valid active or

historic currency codes are registered with the ISO 4217 Maintenance Agency, consist of three (3) contiguous letters, and may be or not be withdrawn on the day the message containing the Currency is exchanged.

Code restrictions EUR Euro

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++ChrgBr

Index 1.2.17.5 ISO Name Charge Bearer Cardinality 0..1 ISO Definition Specifies which party/parties will bear the charges associated with the processing of the

payment transaction. Type ChargeBearerType1Code Fixed SLEV EPC Rule Only ‘SLEV’ is allowed.

It is recommended that this element be specified at ‘Payment Information’ level. Code restrictions SLEV FollowingServiceLevel

Charges are to be applied following the rules agreed in the service level and/or scheme. Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++CdtrAgt

Index 1.2.17.14 ISO Name Creditor Agent Cardinality 0..1 ISO Definition Financial institution servicing an account for the creditor. SEPA Core Req (BIC of the Beneficiary Bank) Type BranchAndFinancialInstitutionIdentification4 EPC Rule Usage Rule: Only BIC is allowed.

pain.001.001.03 - EPC; 1.0



Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++CdtrAgt +++++FinInstnId

Index 1.2.17.14.1 ISO Name Financial Institution Identification Cardinality 1..1 ISO Definition Unique and unambiguous identification of a financial institution, as assigned under an

internationally recognised or proprietary identification scheme. Type FinancialInstitutionIdentification7

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++CdtrAgt +++++FinInstnId ++++++BIC

Index 1.2.17.14.1.1 ISO Name BIC Cardinality 0..1 ISO Definition Code allocated to a financial institution by the ISO 9362 Registration Authority as

described in ISO 9362 "Banking - Banking telecommunication messages - Business identifier code (BIC)".

Type BICIdentifier Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3}){0,1} ISO Rule Valid BICs for financial institutions are registered by the ISO 9362 Registration

Authority in the BIC directory, and consist of eight (8) or eleven (11) contiguous characters comprising the first three or all four of the following components: INSTITUTION CODE, COUNTRY CODE, LOCATION CODE, BRANCH CODE. The institution code, country code and location code are mandatory, while the branch code is optional.

Credit Suisse "Optional; when from CH debtor bank to CH creditor bank, the BIC is optional. For all other cases (so beneficiary resides in other SEPA country) the BIC is also optional. However note that enrichment charges might apply as Credit Suisse adds the BIC of the creditor bank (until October 2016 when IBAN-only initiation comes into force). Note that an incorrect BIC will lead to a reject. Credit Suisse will not automatically repair the BIC."

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++Cdtr

Index 1.2.17.16 ISO Name Creditor Cardinality 1..1 ISO Definition Party to which an amount of money is due. SEPA Core Req Mandatory Type PartyIdentification32

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++Cdtr +++++Nm

Index 1.2.17.16.1 ISO Name Name Cardinality 1..1 ISO Definition Name by which a party is known and which is usually used to identify that party. SEPA Core Req Mandatory (Name of the Beneficiary) Type Max140Text Length 1 .. 70 EPC Rule Usage Rule: ‘Name’ is limited to 70 characters in length.

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++Cdtr +++++PstlAdr

Index 1.2.17.16.2 ISO Name Postal Address Cardinality 0..1 ISO Definition Information that locates and identifies a specific address, as defined by postal services. SEPA Core Req (AT-22 Address of the Beneficiary) Type PostalAddress6

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++Cdtr +++++PstlAdr ++++++Ctry

Index 1.2.17.16.2.9 ISO Name Country Cardinality 0..1 ISO Definition Nation with its own government. Type CountryCode Pattern [A-Z]{2,2} ISO Rule The code is checked against the list of country names obtained from the United Nations

(ISO 3166, Alpha-2 code). Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++Cdtr +++++PstlAdr ++++++AdrLine

Index 1.2.17.16.2.10 ISO Name Address Line Cardinality 0..2 ISO Definition Information that locates and identifies a specific address, as defined by postal services,

presented in free format text. Type Max70Text Length 1 .. 70 EPC Rule Only two occurrences are allowed.

pain.001.001.03 - EPC; 1.0



Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++Cdtr +++++Id

Index 1.2.17.16.3 ISO Name Identification Cardinality 0..1 ISO Definition Unique and unambiguous identification of a party. SEPA Core Req (AT-24 Beneficiary Identification Code) Type Party6Choice

Cardinality 1..1

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++Cdtr +++++Id ++++++OrgId

Index 1.2.17.16.3.1 ISO Name Organisation Identification Cardinality 1..1 ISO Definition Unique and unambiguous way to identify an organisation. Type OrganisationIdentification4 EPC Rule Either ‘BIC or BEI’ or one occurrence of ‘Other’ is allowed.

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++Cdtr +++++Id ++++++OrgId +++++++BICOrBEI

Index 1.2.17.16.3.1.1 ISO Name BICOr BEI Cardinality 0..1 ISO Definition Code allocated to a financial institution or non financial institution by the ISO 9362




Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++Cdtr +++++Id ++++++OrgId +++++++Othr

Index 1.2.17.16.3.1.2 ISO Name Other Cardinality 0..1 ISO Definition Unique identification of an organisation, as assigned by an institution, using an


Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++Cdtr +++++Id ++++++OrgId +++++++Othr ++++++++Id

Index 1.2.17.16.3.1.2.1 ISO Name Identification Cardinality 1..1 ISO Definition Identification assigned by an institution. Type Max35Text Length 1 .. 35

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++Cdtr +++++Id ++++++OrgId +++++++Othr ++++++++SchmeNm

Index 1.2.17.16.3.1.2.2 ISO Name Scheme Name Cardinality 0..1 ISO Definition Name of the identification scheme. Type OrganisationIdentificationSchemeName1Choice

Cardinality 1..1

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++Cdtr +++++Id ++++++OrgId +++++++Othr ++++++++SchmeNm +++++++++Cd

Index 1.2.17.16.3.1.2.2.1 ISO Name Code Cardinality 1..1 ISO Definition Name of the identification scheme, in a coded form as published in an external list. Type ExternalOrganisationIdentification1Code Length 1 .. 4

pain.001.001.03 - EPC; 1.0



Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++Cdtr +++++Id ++++++OrgId +++++++Othr ++++++++SchmeNm +++++++++Prtry

Index 1.2.17.16.3.1.2.2.2 ISO Name Proprietary Cardinality 1..1 ISO Definition Name of the identification scheme, in a free text form. Type Max35Text Length 1 .. 35

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++Cdtr +++++Id ++++++OrgId +++++++Othr ++++++++Issr

Index 1.2.17.16.3.1.2.3 ISO Name Issuer Cardinality 0..1 ISO Definition Entity that assigns the identification. Type Max35Text Length 1 .. 35

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++CdtrAcct

Index 1.2.17.17 ISO Name Creditor Account Cardinality 1..1 ISO Definition Unambiguous identification of the account of the creditor to which a credit entry will be

posted as a result of the payment transaction. SEPA Core Req Mandatory (Account number of the Beneficiary) Type CashAccount16 EPC Rule Only IBAN is allowed.

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++CdtrAcct +++++Id

Index 1.2.17.17.1 ISO Name Identification Cardinality 1..1 ISO Definition Unique and unambiguous identification for the account between the account owner and

the account servicer. Type AccountIdentification4Choice

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++CdtrAcct +++++Id ++++++IBAN

Index 1.2.17.17.1.1 ISO Name IBAN Cardinality 1..1 ISO Definition International Bank Account Number (IBAN) - identifier used internationally by financial

institutions to uniquely identify the account of a customer. Further specifications of the format and content of the IBAN can be found in the standard ISO 13616 "Banking and related financial services - International Bank Account Number (IBAN)" version 1997- 10-01, or later revisions.

Type IBAN2007Identifier Pattern [A-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,30} ISO Rule A valid IBAN consists of all three of the following components: Country Code, check

digits and BBAN. Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++UltmtCdtr

Index 1.2.17.18 ISO Name Ultimate Creditor Cardinality 0..1 ISO Definition Ultimate party to which an amount of money is due. Type PartyIdentification32

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++UltmtCdtr +++++Nm

Index 1.2.17.18.1 ISO Name Name Cardinality 0..1 ISO Definition Name by which a party is known and which is usually used to identify that party. SEPA Core Req (Name of the Beneficiary Reference Party) Type Max140Text Length 1 .. 70 EPC Rule ‘Name’ is limited to 70 characters in length.

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++UltmtCdtr +++++Id

Index 1.2.17.18.3 ISO Name Identification Cardinality 0..1 ISO Definition Unique and unambiguous identification of a party. SEPA Core Req (AT-29 Identification Code of the Beneficiary Reference Party). Type Party6Choice

Cardinality 1..1

pain.001.001.03 - EPC; 1.0



Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++UltmtCdtr +++++Id ++++++OrgId

Index 1.2.17.18.3.1 ISO Name Organisation Identification Cardinality 1..1 ISO Definition Unique and unambiguous way to identify an organisation. Type OrganisationIdentification4 EPC Rule Either ‘BIC or BEI’ or one occurrence of ‘Other’ is allowed.

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++UltmtCdtr +++++Id ++++++OrgId +++++++BICOrBEI

Index 1.2.17.18.3.1.1 ISO Name BICOr BEI Cardinality 0..1 ISO Definition Code allocated to a financial institution or non financial institution by the ISO 9362




Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++UltmtCdtr +++++Id ++++++OrgId +++++++Othr

Index 1.2.17.18.3.1.2 ISO Name Other Cardinality 0..1 ISO Definition Unique identification of an organisation, as assigned by an institution, using an


Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++UltmtCdtr +++++Id ++++++OrgId +++++++Othr ++++++++Id

Index 1.2.17.18.3.1.2.1 ISO Name Identification Cardinality 1..1 ISO Definition Identification assigned by an institution. Type Max35Text Length 1 .. 35

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++UltmtCdtr +++++Id ++++++OrgId +++++++Othr ++++++++SchmeNm

Index 1.2.17.18.3.1.2.2 ISO Name Scheme Name Cardinality 0..1 ISO Definition Name of the identification scheme. Type OrganisationIdentificationSchemeName1Choice

Cardinality 1..1

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++UltmtCdtr +++++Id ++++++OrgId +++++++Othr ++++++++SchmeNm +++++++++Cd

Index 1.2.17.18.3.1.2.2.1 ISO Name Code Cardinality 1..1 ISO Definition Name of the identification scheme, in a coded form as published in an external list. Type ExternalOrganisationIdentification1Code Length 1 .. 4

pain.001.001.03 - EPC; 1.0



Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++UltmtCdtr +++++Id ++++++OrgId +++++++Othr ++++++++SchmeNm +++++++++Prtry

Index 1.2.17.18.3.1.2.2.2 ISO Name Proprietary Cardinality 1..1 ISO Definition Name of the identification scheme, in a free text form. Type Max35Text Length 1 .. 35

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++UltmtCdtr +++++Id ++++++OrgId +++++++Othr ++++++++Issr

Index 1.2.17.18.3.1.2.3 ISO Name Issuer Cardinality 0..1 ISO Definition Entity that assigns the identification. Type Max35Text Length 1 .. 35

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++Purp

Index 1.2.17.21 ISO Name Purpose Cardinality 0..1 ISO Definition Underlying reason for the payment transaction.

Usage: Purpose is used by the end-customers, that is initiating party, (ultimate) debtor, (ultimate) creditor to provide information concerning the nature of the payment. Purpose is a content element, which is not used for processing by any of the agents involved in the payment chain.

SEPA Core Req (AT-44 Purpose of the Credit Transfer) Type Purpose2Choice Credit Suisse Ignored when "Payment Information/Category Purpose" (index 1.2.6.4) is filled.

Otherwise pass through. Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++Purp +++++Cd

Index 1.2.17.21.1 ISO Name Code Cardinality 1..1 ISO Definition Underlying reason for the payment transaction, as published in an external purpose

code list. Type ExternalPurpose1Code Length 1 .. 4

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++RmtInf

Index 1.2.17.25 ISO Name Remittance Information Cardinality 0..1 ISO Definition Information supplied to enable the matching of an entry with the items that the transfer

is intended to settle, such as commercial invoices in an accounts' receivable system. Type RemittanceInformation5 EPC Rule Either 'Structured' or 'Unstructured' may be present.

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++RmtInf +++++Ustrd

Index 1.2.17.25.1 ISO Name Unstructured Cardinality 0..1 ISO Definition Information supplied to enable the matching/reconciliation of an entry with the items

that the payment is intended to settle, such as commercial invoices in an accounts' receivable system, in an unstructured form.

Type Max140Text Length 1 .. 140 EPC Rule ‘Unstructured’ may carry structured remittance information, as agreed between the

Originator and the Beneficiary. Only one occurrence of ‘Unstructured’ is allowed.

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++RmtInf +++++Strd

Index 1.2.17.25.2 ISO Name Structured Cardinality 0..1 ISO Definition Information supplied to enable the matching/reconciliation of an entry with the items

that the payment is intended to settle, such as commercial invoices in an accounts' receivable system, in a structured form.

Type StructuredRemittanceInformation7 EPC Rule Structured’ can be used, provided the tags and the data within the ‘Structured’ element

do not exceed 140 characters in length. Format Rule: Only one occurrence of ‘Structured’ is allowed.

pain.001.001.03 - EPC; 1.0



Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++RmtInf +++++Strd ++++++CdtrRefInf

Index 1.2.17.25.2.3 ISO Name Creditor Reference Information Cardinality 0..1 ISO Definition Reference information provided by the creditor to allow the identification of the

underlying documents. Type CreditorReferenceInformation2 EPC Rule When present, the Debtor Bank is not obliged to validate the reference information.

When used both 'Creditor Reference Type' and 'Creditor Reference' must be present. Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++RmtInf +++++Strd ++++++CdtrRefInf +++++++Tp

Index 1.2.17.25.2.3.1 ISO Name Type Cardinality 1..1 ISO Definition Specifies the type of creditor reference. Type CreditorReferenceType2

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++RmtInf +++++Strd ++++++CdtrRefInf +++++++Tp ++++++++CdOrPrtry

Index 1.2.17.25.2.3.1.1 ISO Name Code Or Proprietary Cardinality 1..1 ISO Definition Coded or proprietary format creditor reference type. Type CreditorReferenceType1Choice

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++RmtInf +++++Strd ++++++CdtrRefInf +++++++Tp ++++++++CdOrPrtry +++++++++Cd

Index 1.2.17.25.2.3.1.1.1 ISO Name Code Cardinality 1..1 ISO Definition Type of creditor reference, in a coded form. Type DocumentType3Code Fixed SCOR EPC Rule Only ‘SCOR’ is allowed.

Code restrictions SCOR StructuredCommunicationReference

Document is a structured communication reference provided by the creditor to identify the referred transaction.

Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++RmtInf +++++Strd ++++++CdtrRefInf +++++++Tp ++++++++Issr

Index 1.2.17.25.2.3.1.2 ISO Name Issuer Cardinality 0..1 ISO Definition Entity that assigns the credit reference type. Type Max35Text Length 1 .. 35

pain.001.001.03 - EPC; 1.0



Document +CstmrCdtTrfInitn ++PmtInf +++CdtTrfTxInf ++++RmtInf +++++Strd ++++++CdtrRefInf +++++++Ref

Index 1.2.17.25.2.3.2 ISO Name Reference Cardinality 1..1 ISO Definition Unique reference, as assigned by the creditor, to unambiguously refer to the payment

transaction. Usage: If available, the initiating party should provide this reference in the structured remittance information, to enable reconciliation by the creditor upon receipt of the amount of money. If the business context requires the use of a creditor reference or a payment remit identification, and only one identifier can be passed through the end-to-end chain, the creditor's reference or payment remittance identification should be quoted in the end- to-end transaction identification.

Type Max35Text Length 1 .. 35 EPC Rule If a Creditor Reference contains a check digit, the receiving bank is not required to

validate this. If the receiving bank validates the check digit and if this validation fails, the bank may continue its processing and send the transaction to the next party in the chain RF Creditor Reference may be used (ISO 11649)

pain.001.001.03 - EPC

Components

pain.001.001.03 - EPC; 1.0 Generated by GEFEG.FX Page: 24 / 87

ActiveOrHistoricCurrencyAndAmount ComplexType

ActiveOrHistoricCurrencyAndAmount

Ccy

Name Active Or Historic Currency And Amount Type ActiveOrHistoricCurrencyAndAmount_SimpleType

FractionDigits / TotalDigits 5 / 18

Inclusive 0 ..

Attribute Status Description/Data type Fixed/Default

Ccy M ActiveOrHistoricCurrencyCode

ActiveOrHistoricCurrencyAndAmount_SimpleType SimpleType

Name Active Or Historic Currency And Amount _Simple Type

Type xs:decimal FractionDigits / TotalDigits 5 / 18

Inclusive 0 ..

ActiveOrHistoricCurrencyCode SimpleType

Name Active Or Historic Currency Code

Type xs:string

Pattern [A-Z]{3,3}

Applicable Codes Name/Description

AED Dirham

AFN Afghani ALL Lek

AMD Dram

ANG Netherlands Antillian Guilder

AOA Kwanza

ARS Argentine Peso

AUD Australian Dollar

AWG Aruban Guilder

AZN Azerbaijanian Manat BAM Convertible Mark

BBD Barbados Dollar

BDT Taka

BGN Bulgarian Lev

BHD Bahraini Dinar

BIF Burundi Franc

BMD Bermudian Dollar (customarily: Bermuda Dollar)

BND Brunei Dollar

BOB Boliviano

BRL Brazilian Real BSD Bahamian Dollar

BTN Ngultrum

BWP Pula

BYR Belarussian Ruble

BZD Belize Dollar

CAD Canadian Dollar

CDF Franc Congolais

CHE WIR Euro

CHF Swiss Franc

CHW WIR Franc

CLP Chilean Peso

pain.001.001.03 - EPC



CNY Yuan Renminbi COP Colombian Peso

COU Unidad de Valor Real CRC Costa Rican Colon

CUC Peso Convertible

CUP Cuban Peso

CVE Cape Verde Escudo

CZK Czech Koruna

DJF Djibouti Franc

DKK Danish Krone

DOP Dominican Peso

DZD Algerian Dinar

EEK Kroon

EGP Egyptian Pound

ERN Nakfa

ETB Ethopian Birr

EUR Euro

FJD Fiji Dollar

FKP Falkland Islands Pound

GBP Pound Sterling

GEL Lari GHS Ghana Cedi GIP Gibraltar Pound

GMD Dalasi GNF Guinea Franc

GTQ Quetzal GYD Guyana Dollar

HKD Honk Kong Dollar

HNL Lempira

HRK Kuna

HTG Gourde

HUF Forint IDR Rupiah

ILS New Israeli Sheqel INR Indian Rupee

IQD Iraqi Dinar

IRR Iranian Rial ISK Iceland Krona

JMD Jamaican Dollar

JOD Jordanian Dinar

JPY Yen

KES Kenyan Shilling

KGS Som

KHR Riel KMF Comoro Franc

KPW North Korean Won

KRW Won

KWD Kuwaiti Dinar

KYD Cayman Islands Dollar

KZT Tenge

LAK Kip

LBP Lebanese Pound

LKR Sri Lanka Rupee

LRD Liberian Dollar

LSL Loti LTL Lithuanian Litas

Latvian Lats

pain.001.001.03 - EPC



LVL

LYD Libyan Dinar

MAD Morrocan Dirham

MDL Moldovan Leu

MGA Ariary

MKD Denar

MMK Kyat MNT Tugrik

MOP Pataca

MRO Ouguiya

MUR Mauritius Rupee

MVR Rufiyaa

MWK Kwacha

MXN Mexican Peso

MYR Malaysian Ringgit MZM Metical NAD Namibia Dollar

NGN Naira

NIO Cordoba Oro

NOK Norwegian Krone

NPR Nepalese Rupee

NZD New Zealand Dollar

OMR Rial Omani PAB Balboa

PEN Nuevo Sol PGK Kina

PHP Philippine Peso

PKR Pakistan Rupee

PLN Zloty

PYG Guarani QAR Qatari Rial ROL old Romanian Leu

This currency code is valid until 30 June 2005, but the currency itself will remain legal until 31 December 2006 when it will be withdrawn.

RON new Romanian Leu This currency code is effective from 1 July 2005

RSD Serbian Dinar

RUB Russian Ruble

RWF Rwanda Franc

SAR Saudi Riyal SBD Solomon Islands Dollar

SCR Seychelles Rupee

SDG Sudanese Pound

SEK Swedish Krona

SGD Singapore Dollar

SHP St. Helena Pound

SLL Leone

SOS Somali Shilling

SRD Suriname Dollar

STD Dobra

SVC El Salvador Colon

SYP Syrian Pound

SZL Lilangeni THB Baht TJS Somoni TMT Turkmenistan New Manat TND Tunisian Dinar

pain.001.001.03 - EPC



TOP Pa'anga

TRY Turkish Lira

TTD Trinidad and Tobago Dollar

TWD New Taiwan Dollar

TZS Tanzanian Shilling

UAH Hryvnia

UGX Uganda Shilling

USD US Dollar

UYI Uruguayo Peso en Unidades Indexadas

UYU Peso Uruguayo

UZS Uzbekistan Sum

VEF Bolivar Fuerte

VND Dong

VUV Vatu

WST Tala

XAF CFA Franc

XAG Silver

XAU Gold

XCD East Carribean Dollar

XDR SDR

XOF CFA Franc

XPD Palladium

XPF CFP Franc

XPT Platinum

XSU Sucre

XUA ADB Unit of Account YER Yemeni Rial ZAR Rand

ZMK Kwacha

ZWL Zimbabwe Dollar (effective 1 February 2009)

AddressType2Code SimpleType

Name Address Type 2Code

Type xs:string


ADDR Postal Address is the complete postal address.

BIZZ Business Address is the business address.

DLVY DeliveryTo Address is the address to which delivery is to take place.

HOME Residential Address is the home address.

MLTO MailTo Address is the address to which mail is sent.

PBOX POBox Address is a postal office (PO) box.

AnyBICIdentifier SimpleType

Name Any BICIdentifier

Type xs:string

Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3}){0,1}

Authorisation1Code SimpleType

Name Authorisation 1Code

pain.001.001.03 - EPC


Type xs:string


AUTH PreAuthorisedFile Indicates a file has been pre authorised or approved within the originating customer environment and no further approval is required.

FDET FileLevelAuthorisationDetails Indicates that a file requires additional file level approval, with the ability to view both the payment information block and supporting customer credit transaction detail.

FSUM FileLevelAuthorisationSummary Indicates that a file requires additional file level approval, with the ability to view only the payment information block level information.

ILEV InstructionLevelAuthorisation Indicates that a file requires all customer transactions to be authorised or approved.

BaseOneRate SimpleType

Name Base One Rate


BatchBookingIndicator SimpleType

Name Batch Booking Indicator

Type xs:boolean

BICIdentifier SimpleType

Name BICIdentifier

Type xs:string

Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3}){0,1}

CashAccountType4Code SimpleType

Name Cash Account Type 4Code

Type xs:string


CACC Current Account used to post debits and credits when no specific account has been nominated.

CASH CashPayment Account used for the payment of cash.

CHAR Charges Account used for charges if different from the account for payment.

CISH CashIncome Account used for payment of income if different from the current cash account.

COMM Commission Account used for commission if different from the account for payment.

LOAN Loan Account used for loans.

MGLD MarginalLending Account used for a marginal lending facility.

MOMA MoneyMarket Account used for money markets if different from the cash account.

NREX NonResidentExternal Account used for non-resident external.

ODFT Overdraft Account is used for overdrafts.

ONDP OverNightDeposit Account used for overnight deposits.

SACC Settlement Account used to post debit and credit entries, as a result of transactions cleared and settled through a specific clearing and settlement system.

pain.001.001.03 - EPC



SLRY Salary Accounts used for salary payments.

SVGS Savings Account used for savings.

TAXE Tax Account used for taxes if different from the account for payment.

TRAS CashTrading Account used for trading if different from the current cash account.

ChargeBearerType1Code SimpleType

Name Charge Bearer Type 1Code

Type xs:string


CRED BorneByCreditor All transaction charges are to be borne by the creditor.

DEBT BorneByDebtor All transaction charges are to be borne by the debtor.

SHAR Shared In a credit transfer context, means that transaction charges on the sender side are to be borne by the debtor, transaction charges on the receiver side are to be borne by the creditor. In a direct debit context, means that transaction charges on the sender side are to be borne by the creditor, transaction charges on the receiver side are to be borne by the debtor.

SLEV FollowingServiceLevel Charges are to be applied following the rules agreed in the service level and/or scheme.

ChequeDelivery1Code SimpleType

Name Cheque Delivery 1Code

Type xs:string


CRCD CourierToCreditor Cheque is to be sent through courier services to creditor.

CRDB CourierToDebtor Cheque is to be sent through courier services to debtor.

CRFA CourierToFinalAgent Cheque is to be sent through courier services to creditor agent.

MLCD MailToCreditor Cheque is to be sent through mail services to creditor.

MLDB MailToDebtor Cheque is to be sent through mail services to debtor.

MLFA MailToFinalAgent Cheque is to be sent through mail services to creditor agent.

PUCD PickUpByCreditor Cheque will be picked up by the creditor

PUDB PickUpByDebtor Cheque will be picked up by the debtor.

PUFA PickUpByFinalAgent Cheque will be picked up by the creditor agent.

RGCD RegisteredMailToCreditor Cheque is to be sent through registered mail services to creditor.

RGDB RegisteredMailToDebtor Cheque is to be sent through registered mail services to debtor

RGFA RegisteredMailToFinalAgent Cheque is to be sent through registered mail services to creditor agent.

ChequeType2Code SimpleType

Name Cheque Type 2Code

pain.001.001.03 - EPC


Type xs:string


BCHQ BankCheque Cheque drawn on the account of the debtor's financial institution, which is debited on the debtor's account when the cheque is issued.These cheques are printed by the debtor's financial institution and payment is guaranteed by the financial institution. Synonym is 'cashier's cheque'.

CCCH CertifiedCustomerCheque Cheque drawn on the account of the debtor, and debited on the debtor's account when the cheque is cashed. The financial institution prints and certifies the cheque, guaranteeing the payment.

CCHQ CustomerCheque Cheque drawn on the account of the debtor, and debited on the debtor's account when the cheque is cashed. Synonym is 'corporate cheque'.

DRFT Draft A guaranteed bank cheque with a future value date (do not pay before], which in commercial terms is a 'negotiatable instrument': the beneficiary can receive early payment from any bank under subtraction of a discount. The ordering customer's account is debited on value date.

ELDR ElectronicDraft An instrument with a future value date (do not pay before], which in commercial terms is a 'negotiatable instrument': the beneficiary can receive early payment from any bank under subtraction of a discount. The ordering customer's account is debited on value date.

CountryCode SimpleType

Name Country Code

Type xs:string

Pattern [A-Z]{2,2}


AD ANDORRA

AE UNITED ARAB EMIRATES

AF AFGHANISTAN

AG ANTIGUA AND BARBUDA

AI ANGUILLA

AL ALBANIA

AM ARMENIA

AO ANGOLA

AQ ANTARCTICA

AR ARGENTINA

AS AMERICAN SAMOA

AT AUSTRIA

AU AUSTRALIA

AW ARUBA

AX ÅLAND ISLANDS

AZ AZERBAIJAN

BA BOSNIA AND HERZEGOVINA

BB BARBADOS

BD BANGLADESH

BE BELGIUM

BF BURKINA FASO

BG BULGARIA

BH BAHRAIN

BI BURUNDI BJ BENIN

BL SAINT BARTHÉLEMY

BM BERMUDA

BN BRUNEI DARUSSALAM

BO BOLIVIA, PLURINATIONAL STATE OF

pain.001.001.03 - EPC



BQ BONAIRE, SAINT EUSTATIUS AND SABA

BR BRAZIL

BS BAHAMAS

BT BHUTAN

BV BOUVET ISLAND

BW BOTSWANA

BY BELARUS

BZ BELIZE

CA CANADA

CC COCOS (KEELING) ISLANDS

CD CONGO, THE DEMOCRATIC REPUBLIC OF THE

CF CENTRAL AFRICAN REPUBLIC

CG CONGO

CH SWITZERLAND

CI COTE D'IVOIRE

CK COOK ISLANDS

CL CHILE

CM CAMEROON

CN CHINA

CO COLOMBIA

CR COSTA RICA

CU CUBA

CV CAPE VERDE

CW CURAÇAO

CX CHRISTMAS ISLAND

CY CYPRUS

CZ CZECH REPUBLIC

DE GERMANY

DJ DJIBOUTI DK DENMARK

DM DOMINICA

DO DOMINICAN REPUBLIC

DZ ALGERIA

EC ECUADOR

EE ESTONIA

EG EGYPT

EH WESTERN SAHARA

ER ERITREA

ES SPAIN

ET ETHIOPIA

FI FINLAND

FJ FIJI FK FALKLAND ISLANDS (MALVINAS)

FM MICRONESIA, FEDERATED STATES OF

FO FAROE ISLANDS

FR FRANCE

GA GABON

GB UNITED KINGDOM

GD GRENADA

GE GEORGIA

GF FRENCH GUIANA

GG GUERNSEY

GH GHANA

GI GIBRALTAR

GL GREENLAND

GM GAMBIA GUINEA

pain.001.001.03 - EPC



GN

GP GUADELOUPE

GQ EQUATORIAL GUINEA

GR GREECE

GS SOUTH GEORGIA AND THE SOUTH SANDWICH ISLANDS

GT GUATEMALA

GU GUAM

GW GUINEA-BISSAU

GY GUYANA

HK HONG KONG

HM HEARD ISLAND AND MCDONALD ISLANDS

HN HONDURAS

HR CROATIA

HT HAITI HU HUNGARY

ID INDONESIA

IE IRELAND

IL ISRAEL

IM ISLE OF MAN

IN INDIA

IO BRITISH INDIAN OCEAN TERRITORY

IQ IRAQ

IR IRAN, ISLAMIC REPUBLIC OF

IS ICELAND

IT ITALY

JE JERSEY

JM JAMAICA

JO JORDAN

JP JAPAN

KE KENYA

KG KYRGYZSTAN

KH CAMBODIA

KI KIRIBATI KM COMOROS

KN SAINT KITTS AND NEVIS

KP KOREA, DEMOCRATIC PEOPLE'S REPUBLIC OF

KR KOREA, REPUBLIC OF

KW KUWAIT

KY CAYMAN ISLANDS

KZ KAZAKHSTAN

LA LAO PEOPLE'S DEMOCRATIC REPUBLIC

LB LEBANON

LC SAINT LUCIA

LI LIECHTENSTEIN

LK SRI LANKA

LR LIBERIA

LS LESOTHO

LT LITHUANIA

LU LUXEMBOURG

LV LATVIA

LY LIBYAN ARAB JAMAHIRIYA

MA MOROCCO

MC MONACO

MD MOLDOVA

ME MONTENEGRO

MF SAINT MARTIN (FRENCH PART) MADAGASCAR

pain.001.001.03 - EPC



MG

MH MARSHALL ISLANDS

MK MACEDONIA, THE FORMER YUGOSLAV REPUBLIC OF

ML MALI MM MYANMAR

MN MONGOLIA

MO MACAO

MP NORTHERN MARIANA ISLANDS

MQ MARTINIQUE

MR MAURITANIA

MS MONTSERRAT

MT MALTA

MU MAURITIUS

MV MALDIVES

MW MALAWI MX MEXICO

MY MALAYSIA

MZ MOZAMBIQUE

NA NAMIBIA

NC NEW CALEDONIA

NE NIGER

NF NORFOLK ISLAND

NG NIGERIA

NI NICARAGUA

NL NETHERLANDS

NO NORWAY

NP NEPAL

NR NAURU

NU NIUE

NZ NEW ZEALAND

OM OMAN

PA PANAMA

PE PERU

PF FRENCH POLYNESIA

PG PAPUA NEW GUINEA

PH PHILIPPINES

PK PAKISTAN

PL POLAND

PM SAINT PIERRE AND MIQUELON

PN PITCAIRN

PR PUERTO RICO

PS PALESTINIAN TERRITORY, OCCUPIED

PT PORTUGAL

PW PALAU

PY PARAGUAY

QA QATAR

RE REUNION

RO ROMANIA

RS SERBIA

RU RUSSIAN FEDERATION

RW RWANDA

SA SAUDI ARABIA

SB SOLOMON ISLANDS

SC SEYCHELLES

SD SUDAN

SE SWEDEN SINGAPORE

pain.001.001.03 - EPC



SG

SH SAINT HELENA, ASCENSION AND TRISTAN DA CUNHA

SI SLOVENIA

SJ SVALBARD AND JAN MAYEN

SK SLOVAKIA

SL SIERRA LEONE

SM SAN MARINO

SN SENEGAL

SO SOMALIA

SR SURINAME

ST SAO TOME AND PRINCIPE

SV EL SALVADOR

SX SINT MAARTEN (DUTCH PART)

SY SYRIAN ARAB REPUBLIC

SZ SWAZILAND

TC TURKS AND CAICOS ISLANDS

TD CHAD

TF FRENCH SOUTHERN TERRITORIES

TG TOGO

TH THAILAND

TJ TAJIKISTAN

TK TOKELAU

TL TIMOR-LESTE

TM TURKMENISTAN

TN TUNISIA

TO TONGA

TR TURKEY

TT TRINIDAD AND TOBAGO

TV TUVALU

TW TAIWAN, PROVINCE OF CHINA

TZ TANZANIA, UNITED REPUBLIC OF

UA UKRAINE

UG UGANDA

UM UNITED STATES MINOR OUTLYING ISLANDS

US UNITED STATES

UY URUGUAY

UZ UZBEKISTAN

VA HOLY SEE (VATICAN CITY STATE)

VC SAINT VINCENT AND THE GRENADINES

VE VENEZUELA, BOLIVARIAN REPUBLIC OF

VG VIRGIN ISLANDS, BRITISH

VI VIRGIN ISLANDS, U.S. VN VIET NAM

VU VANUATU

WF WALLIS AND FUTUNA

WS SAMOA

YE YEMEN

YT MAYOTTE

ZA SOUTH AFRICA

ZM ZAMBIA

ZW ZIMBABWE

CreditDebitCode SimpleType

Name Credit Debit Code

Type xs:string

pain.001.001.03 - EPC



CRDT Credit Operation is an increase.

DBIT Debit Operation is a decrease.

DecimalNumber SimpleType

Name Decimal Number


DocumentType3Code SimpleType

Name Document Type 3Code

Type xs:string


DISP DispatchAdvice Document is a dispatch advice.

FXDR ForeignExchangeDealReference Document is a pre-agreed or pre-arranged foreign exchange transaction to which the payment transaction refers.

PUOR PurchaseOrder Document is a purchase order.

RADM RemittanceAdviceMessage Document is a remittance advice sent separately from the current transaction.

RPIN RelatedPaymentInstruction Document is a linked payment instruction to which the current payment instruction is related, eg, in a cover scenario.

SCOR StructuredCommunicationReference Document is a structured communication reference provided by the creditor to identify the referred transaction.

DocumentType5Code SimpleType

Name Document Type 5Code

Type xs:string


AROI AccountReceivableOpenItem Document is a payment that applies to a specific source document.

BOLD BillOfLading Document is a shipping notice.

CINV CommercialInvoice Document is an invoice.

CMCN CommercialContract Document is an agreement between the parties, stipulating the terms and conditions of the delivery of goods or services.

CNFA CreditNoteRelatedToFinancialAdjustment Document is a credit note for the final amount settled for a commercial transaction.

CREN CreditNote Document is a credit note.

DEBN DebitNote Document is a debit note.

DISP DispatchAdvice Document is a dispatch advice.

DNFA DebitNoteRelatedToFinancialAdjustment Document is a debit note for the final amount settled for a commercial transaction.

HIRI HireInvoice Document is an invoice for the hiring of human resources or renting goods or equipment.

MSIN MeteredServiceInvoice Document is an invoice claiming payment for the supply of metered services, eg, gas

pain.001.001.03 - EPC



or electricity, supplied to a fixed meter. SBIN SelfBilledInvoice

Document is an invoice issued by the debtor. SOAC StatementOfAccount

Document is a statement of the transactions posted to the debtor's account at the supplier.

TSUT TradeServicesUtilityTransaction Document is a transaction identifier as assigned by the Trade Services Utility.

VCHR Voucher Document is an electronic payment document.

ExchangeRateType1Code SimpleType

Name Exchange Rate Type 1Code

Type xs:string


AGRD Agreed Exchange rate applied is the rate agreed between the parties.

SALE Sale Exchange rate applied is the market rate at the time of the sale.

SPOT Spot Exchange rate applied is the spot rate.

ExternalAccountIdentification1Code SimpleType

Name External Account Identification 1Code

Type xs:string

Length 1 .. 4


BBAN BBANIdentifier Basic Bank Account Number (BBAN) - identifier used nationally by financial institutions, ie, in individual countries, generally as part of a National Account Numbering Scheme(s), to uniquely identify the account of a customer.

CUID CHIPSUniversalIdentifier (United States) Clearing House Interbank Payments System (CHIPS) Universal Identification (UID) - identifies entities that own accounts at CHIPS participating financial institutions, through which CHIPS payments are effected. The CHIPS UID is assigned by the New York Clearing House.

UPIC UPICIdentifier Universal Payment Identification Code (UPIC) - identifier used by the New York Clearing House to mask confidential data, such as bank accounts and bank routing numbers. UPIC numbers remain with business customers, regardless of banking relationship changes.

ExternalCategoryPurpose1Code SimpleType

Name External Category Purpose 1Code

Type xs:string

Length 1 .. 4


BONU BonusPayment Transaction is the payment of a bonus.

CASH CashManagementTransfer Transaction is a general cash management instruction.

CBLK Card Bulk Clearing A Service that is settling money for a bulk of card transactions, while referring to a specific transaction file or other information like terminal ID, card acceptor ID or other transaction details.

CCRD Credit Card Payment Transaction is related to a payment of credit card.

pain.001.001.03 - EPC



CORT TradeSettlementPayment Transaction is related to settlement of a trade, eg a foreign exchange deal or a securities transaction.

DCRD Debit Card Payment Transaction is related to a payment of debit card.

DIVI Dividend Transaction is the payment of dividends.

EPAY Epayment Transaction is related to ePayment via Online-Banking

FCOL Fee Collection A Service that is settling card transaction related fees between two parties.

GOVT GovernmentPayment Transaction is a payment to or from a government department.

HEDG Hedging Transaction is related to the payment of a hedging operation.

ICCP Irrevocable Credit Card Payment Transaction is reimbursement of credit card payment.

IDCP Irrevocable Debit Card Payment Transaction is reimbursement of debit card payment.

INTC IntraCompanyPayment Transaction is an intra-company payment, ie, a payment between two companies belonging to the same group.

INTE Interest Transaction is the payment of interest.

LOAN Loan Transaction is related to the transfer of a loan to a borrower.

OTHR OtherPayment Other payment purpose.

PENS PensionPayment Transaction is the payment of pension.

SALA SalaryPayment Transaction is the payment of salaries.

SECU Securities Transaction is the payment of securities.

SSBE SocialSecurityBenefit Transaction is a social security benefit, ie payment made by a government to support individuals.

SUPP SupplierPayment Transaction is related to a payment to a supplier.

TAXS TaxPayment Transaction is the payment of taxes.

TRAD Trade Transaction is related to the payment of a trade finance transaction.

TREA TreasuryPayment Transaction is related to treasury operations. E.g. financial contract settlement.

VATX ValueAddedTaxPayment Transaction is the payment of value added tax.

WHLD WithHolding Transaction is the payment of withholding tax.

ExternalClearingSystemIdentification1Code SimpleType

Name External Clearing System Identification 1Code

Type xs:string

Length 1 .. 5


ATBLZ Austrian Bankleitzahl Bank Branch code used in Austria Country: Austria Bank Identifier [CharacterType]{Length}: [0-9]{5,5} Example:

pain.001.001.03 - EPC



AUBSB Australian Bank State Branch Code (BSB) Bank Branch code used in Australia Country: Australia Bank Identifier [CharacterType]{Length}: [0-9]{6,6} Example:

CACPA Canadian Payments Association Payment Routing Number Bank Branch code used in Canada Country: Canada Bank Identifier [CharacterType]{Length}: [0-9]{9,9} Example:

CHBCC Swiss Clearing Code (BC Code) Bank Clearing number used in Switzerland Country: Switzerland Bank Identifier [CharacterType]{Length}: [0-9]{3,5} Example:

CHSIC Swiss Clearing Code (SIC Code) Bank Branch code used in clearing with Swiss Francs Country: Switzerland Bank Identifier [CharacterType]{Length}: [0-9]{6,6} Example:

CNAPS CNAPS Identifier Bank Branch code used in China Country: China Bank Identifier [CharacterType]{Length}: [0-9]{12,12} Example:

DEBLZ German Bankleitzahl Bank Branch code used in Germany Country: Germany Bank Identifier [CharacterType]{Length}: [0-9]{8,8} Example:

ESNCC Spanish Domestic Interbanking Code Bank Branch code used in Spain Country: Spain Bank Identifier [CharacterType]{Length}: [0-9]{8,9} Example:

GBDSC UK Domestic Sort Code Bank Branch code used in the UK Country: UK Bank Identifier [CharacterType]{Length}: [0-9]{6,6} Example:

GRBIC Helenic Bank Identification Code Bank Branch code used in Greece Country: Greece Bank Identifier [CharacterType]{Length}: [0-9]{7,7} Example:

HKNCC Hong Kong Bank Code Bank Branch code used in Hong Kong Country: Hong Kong Bank Identifier [CharacterType]{Length}: [0-9]{3,3} Example:

IENCC Irish National Clearing Code Bank Branch code used in Ireland Country: Ireland Bank Identifier [CharacterType]{Length}: [0-9]{6,6} Example:

INFSC Indian Financial System Code Bank Branch code used in India Country: India Bank Identifier [CharacterType]{Length}: [a-zA-Z0-9]{11,11} Example:

ITNCC Italian Domestic Identification Code Bank Branch code used in Italy Country: Italy

pain.001.001.03 - EPC



Bank Identifier [CharacterType]{Length}: [0-9]{10,10} Example:

JPZGN Japan Zengin Clearing Code Bank Branch code used in Japan Country: Japan Bank Identifier [CharacterType]{Length}: [0-9]{7,7} Example:

NZNCC New Zealand National Clearing Code Bank Branch code used in New Zealand Country: New Zealand Bank Identifier [CharacterType]{Length}: [0-9]{6,6} Example:

PLKNR Polish National Clearing Code Bank Branch code used in Poland Country: Poland Bank Identifier [CharacterType]{Length}: [0-9]{8,8} Example:

PTNCC Portuguese National Clearing Code Bank Branch code used in Portugal Country: Portugal Bank Identifier [CharacterType]{Length}: [0-9]{8,8} Example:

RUCBC Russian Central Bank Identification Code Bank Branch code used in Russia Country: Russia Bank Identifier [CharacterType]{Length}: [0-9]{9,9} Example:

SESBA Sweden Bankgiro Clearing Code Bank Branch code used in Sweden Country: Sweden Bank Identifier [CharacterType]{Length}: [0-9]{4,4} Example:

SGIBG IBG Sort Code Bank Branch code used in Singapore Country: Singapore Bank Identifier [CharacterType]{Length}: [0-9]{7,7} or [0-9]{3,4} Example:

THCBC Thai Central Bank Identification Code Bank Identification code used in Thailand Country: Thailand Bank Identifier [CharacterType]{Length}: [0-9]{3,3} Example:

TWNCC Financial Institution Code Bank Branch code used in Taiwan Country: Taiwan Bank Identifier [CharacterType]{Length}: [0-9]{7,7} Example:

USABA United States Routing Number (Fedwire, NACHA) Routing Transit number assigned by the ABA for US financial institutons Country: US Bank Identifier [CharacterType]{Length}: [0-9]{9,9} Example:

USPID CHIPS Participant Identifier Bank identifier used by CHIPs in the US Country: US Bank Identifier [CharacterType]{Length}: [0-9]{4,4} Example:

ZANCC South African National Clearing Code Bank Branch code used in South Africa Country: South Africa Bank Identifier [CharacterType]{Length}: [0-9]{6,6} Example:

pain.001.001.03 - EPC

pain.001.001.03 - EPC; 1.0 Generated by GEFEG.FX Page: 40/ 87

ExternalFinancialInstitutionIdentification1Code SimpleType

Name External Financial Institution Identification 1Code

Type xs:string

Length 1 .. 4

ExternalLocalInstrument1Code SimpleType

Name External Local Instrument 1Code

Type xs:string

Length 1 .. 35


04 Pre authorised Direct Debit Transaction is related to a direct debit that is pre authorised (Abbuchungsauftrag). Region: EMEA ISO Country Code: DE ISO Currency Code: EUR Payment System: Domestic DE cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both: Both

05 Non-pre authorised Direct Debit Transaction is related to a direct debit that is not pre authorised (Einzugsermächtigung). Region: EMEA ISO Country Code: DE ISO Currency Code: EUR Payment System: Domestic DE cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both: Both

08 Pre-authorised Direct Debit Ordinaire (Normal clearing / 4 Day) Transaction is related to a direct debit that is pre authorised (Avis de Prélèvement). Region: EMEA ISO Country Code: FR ISO Currency Code: EUR Payment System: Domestic FR cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both: Both

19 Business-to-customer Direct Debit Transaction is related to a business-to-customer direct debit (CSB19). Region: EMEA ISO Country Code: ES ISO Currency Code: EUR Payment System: Domestic ES cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both: Both

58 Business-to-business Direct Debit Transaction is related to a business-to-business direct debit (CSB58). Region: EMEA ISO Country Code: ES ISO Currency Code: EUR Payment System: Domestic ES cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both: Both

60 Recovered Bill of Exchange or Promissory Note LCR - Lettre de Change Relevé (Recovered Bill of Exchange) and BOR - Billet à Orde Relevé (Promissory Note) Region: EMEA ISO Country Code: FR ISO Currency Code: EUR Payment System: Domestic FR cDD/CT/ Both/ Other: Other Corp2Bk, Bk2Bk, or Both: Both

82 Non-pre authorised Direct Debit Transaction is related to a direct debit that is not pre authorised

pain.001.001.03 - EPC



(Einzugsermächtigung). Region: EMEA ISO Country Code: AT ISO Currency Code: EUR Payment System: Domestic AT cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both: Both

83 Pre authorised Direct Debit Transaction is related to a direct debit that is pre authorised (Abbuchungsauftrag). Region: EMEA ISO Country Code: AT ISO Currency Code: EUR Payment System: Domestic AT cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both: Both

85 Pre-authorised Direct Debit Accéléré (Accelerated clearing / 2 Day)Ordinaire (Normal clearing / 4 Day) Transaction is related to an urgent direct debit that is pre authorised (Avis de Prélèvement accéléré). Region: EMEA ISO Country Code: FR ISO Currency Code: EUR Payment System: Domestic FR cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both: Both

89 Pre-authorised Direct Debit Vérifié (Verified clearing) Transaction is related to an urgent direct debit that is pre authorised (Avis de Prélèvement vérifié). Region: EMEA ISO Country Code: FR ISO Currency Code: EUR Payment System: Domestic FR cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both: Both

0000 Business Payment Transaction is related to business payment Region: EMEA ISO Country Code: NL ISO Currency Code: EUR Payment System: CSS (Equens Clearing & Settlement System) cDD/CT/ Both/ Other: CT Corp2Bk, Bk2Bk, or Both:

0001 Converted (Bank) Payment Transaction is related to converted (bank) payment. Conversion of physical instrument to electonric form for transmission to the paying bank and where the original paper document does not continue in the clearing process.The instrument rules change upon conversion. Region: EMEA ISO Country Code: NL ISO Currency Code: EUR Payment System: CSS cDD/CT/ Both/ Other: CT Corp2Bk, Bk2Bk, or Both:

0002 Standing Order Transaction is related to standing order. Region: EMEA ISO Country Code: NL ISO Currency Code: EUR Payment System: CSS cDD/CT/ Both/ Other: CT Corp2Bk, Bk2Bk, or Both:

0090 Mass Payment Beneficiary Transaction is related to mass payment beneficiary.

pain.001.001.03 - EPC



Region: EMEA ISO Country Code: NL ISO Currency Code: EUR Payment System: CSS cDD/CT/ Both/ Other: CT Corp2Bk, Bk2Bk, or Both:

0091 Mass Payment Ours Transaction is related to mass payment ours. Region: EMEA ISO Country Code: NL ISO Currency Code: EUR Payment System: CSS cDD/CT/ Both/ Other: CT Corp2Bk, Bk2Bk, or Both:

0092 Mass Payment Shared Transaction is related to mass payment shared. Region: EMEA ISO Country Code: NL ISO Currency Code: EUR Payment System: CSS cDD/CT/ Both/ Other: CT Corp2Bk, Bk2Bk, or Both:

0220 Standing Authorisation General Transaction is related to standing authorisation general. Region: EMEA ISO Country Code: NL ISO Currency Code: EUR Payment System: CSS cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both:

0221 One-off Authorisation Transaction is related to one-off authorisation. Region: EMEA ISO Country Code: NL ISO Currency Code: EUR Payment System: CSS cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both:

0222 Standing Authorisation Companies Transaction is related to standing authorisation companies. Region: EMEA ISO Country Code: NL ISO Currency Code: EUR Payment System: CSS cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both:

0223 Standing Authorisation Lotteries Transaction is related to standing authorisation lotteries. Region: EMEA ISO Country Code: NL ISO Currency Code: EUR Payment System: CSS cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both:

0224 One-off Authorisation Charities Transaction is related to one-off authorisation charities. Region: EMEA ISO Country Code: NL ISO Currency Code: EUR

pain.001.001.03 - EPC



Payment System: CSS cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both:

0225 One-off Authorisation Tuition Fees Transaction is related to one-off authorisation tuition fees. Region: EMEA ISO Country Code: NL ISO Currency Code: EUR Payment System: CSS cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both:

0226 One-off Authorisation Construction Industry Transaction is related to one-off authorisation construction industry. Region: EMEA ISO Country Code: NL ISO Currency Code: EUR Payment System: CSS cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both:

0227 Standing Authorisation Companies Without Debtor Revocation Right Transaction is related to standing authorisation companies without debtor revocation right. Region: EMEA ISO Country Code: NL ISO Currency Code: EUR Payment System: CSS cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both:

ACCEPT Payment via Acceptgiro owned by Currence Transaction is related to payments via Acceptgiro owned by Currence. Region: EMEA ISO Country Code: NL ISO Currency Code: EUR Payment System: All cDD/CT/ Both/ Other: CT Corp2Bk, Bk2Bk, or Both:

ARC Accounts Receivable Check Transaction is related to accounts receivable check. Region: WHEM ISO Country Code: US ISO Currency Code: USD Payment System: NACHA cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both: Both

B2B SEPA Business to Business Direct Debit Transaction is related to SEPA business to business direct debit. Region: EMEA ISO Country Code: SEPA ISO Currency Code: EUR Payment System: PEACH cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both:

B2BAMIPM SEPA B2B Direct Debit AMI SEPA B2B Direct Debit AMI based on a paper mandate Region: EMEA ISO Country Code: SEPA ISO Currency Code: EUR Payment System: PEACH cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both:

BTR Bank Transfer Transaction is related to a bank transfer. Region: WHEM

pain.001.001.03 - EPC



ISO Country Code: US ISO Currency Code: USD Payment System: Fedwire cDD/CT/ Both/ Other: CT Corp2Bk, Bk2Bk, or Both: B2B

CARD Card Clearing Transaction is related to card clearing. Region: EMEA ISO Country Code: DE ISO Currency Code: EUR Payment System: All cDD/CT/ Both/ Other: Both Corp2Bk, Bk2Bk, or Both:

CCD Cash Concentration or Disbursement Corporate counterparty. Transaction is related to cash concentration or disbursement corporate counterparty. Region: WHEM ISO Country Code: US ISO Currency Code: USD Payment System: NACHA cDD/CT/ Both/ Other: Both plus prenote. Corp2Bk, Bk2Bk, or Both: Both

CCI Cash Concentration Intragroup Transaction is related to an intra-group bank initiated cash management payment Region: GLOBAL ISO Country Code: GLOBAL ISO Currency Code: All Payment System: All cDD/CT/ Both/ Other: DD, CT and CPAR Corp2Bk, Bk2Bk, or Both:

CHN Truncated Checks Transaction is related to truncated checks. Conversion of physical instrument to electonric form for transmission to the paying bank and where the original paper document does not continue in the clearing process..The original instrument rules are retained throughout the life of the instrument. Region: EMEA ISO Country Code: AT ISO Currency Code: EUR Payment System: correspondent banking cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both:

CIE Customer Initiated Entry A credit entry initiated by or on behalf of the holder of a consumer account Region: WHEM ISO Country Code: US ISO Currency Code: USD Payment System: NACHA cDD/CT/ Both/ Other: CT Corp2Bk, Bk2Bk, or Both: Both

CKS Check Same Day Settlement Wire Transaction is related to check same day settlement wire. Region: WHEM ISO Country Code: US ISO Currency Code: USD Payment System: Fedwire cDD/CT/ Both/ Other: CT Corp2Bk, Bk2Bk, or Both: B2B

COR1 SEPA Direct Debit - 1 Day Settlement Optional shorter time cycle (D-1) for SEPA Core Direct Debit Region: EMEA ISO Country Code: SEPA ISO Currency Code: EUR Payment System: PEACH

pain.001.001.03 - EPC



cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both:

CORAMIPM SEPA Core Direct Debit AMI SEPA Core Direct Debit AMI based on a paper mandate Region: EMEA ISO Country Code: SEPA ISO Currency Code: EUR Payment System: PEACH cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both:

CORE SEPA Direct Debit - Core Transaction is related to SEPA direct debit -core. Region: EMEA ISO Country Code: SEPA ISO Currency Code: EUR Payment System: PEACH cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both: Both

CPP Cash Per Post Transaction is related to cash per post. Transaction to ultimate recipient having no bank account. Primary beneficiary is a postal service provider. Funds are paid out by cash. Additional necessary information for address and delivery options need to be attached. Region: EMEA ISO Country Code: AT ISO Currency Code: EUR Payment System: correspondent banking cDD/CT/ Both/ Other: CT Corp2Bk, Bk2Bk, or Both:

CR1AMIPM SEPA Core D-1 Direct Debit AMI Optional shorter time cycle (D-1) for SEPA Core Direct Debit AMI based on a paper mandate Region: EMEA ISO Country Code: SEPA ISO Currency Code: EUR Payment System: PEACH cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both:

CTP Customer Transfer Plus Transaction is related to a customer transfer, which may include information related to a cover payment or extended remittance information. Region: WHEM ISO Country Code: US ISO Currency Code: USD Payment System: Fedwire cDD/CT/ Both/ Other: CT Corp2Bk, Bk2Bk, or Both: B2B

CTR Customer Transfer Transaction is related to customer transfer. Region: WHEM ISO Country Code: US ISO Currency Code: USD Payment System: Fedwire cDD/CT/ Both/ Other: CT Corp2Bk, Bk2Bk, or Both: B2B

CTX Corporate Trade Exchange Transaction is related to corporate trade exchange. Region: WHEM ISO Country Code: US ISO Currency Code: USD Payment System: NACHA cDD/CT/ Both/ Other: Both plus prenote.

pain.001.001.03 - EPC



Corp2Bk, Bk2Bk, or Both: Both

DDFA DirectDebitFixedAmount SEPA Fixed Amount Direct Debit Region: EMEA ISO Country Code: SEPA ISO Currency Code: EUR Payment System: PEACH cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both: B2B

DDNR CoreNoRefund SEPA Core Direct Debit with ‘no refund’ option Region: EMEA ISO Country Code: SEPA ISO Currency Code: EUR Payment System: PEACH cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both: B2B

DDT Direct Debits Transaction is related to direct debits. Region: EMEA ISO Country Code: AT ISO Currency Code: EUR Payment System: correspondent banking cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both:

DEP Deposit to Sender’s Account Transaction is related to deposit to sender's account. Region: WHEM ISO Country Code: US ISO Currency Code: USD Payment System: Fedwire cDD/CT/ Both/ Other: CT Corp2Bk, Bk2Bk, or Both: B2B

DRB Bank-to-Bank Drawdown Request or Response (Non-value) Transaction is related to bank-to-bank drawdown request or response (non-value) Region: WHEM ISO Country Code: US ISO Currency Code: USD Payment System: Fedwire cDD/CT/ Both/ Other: Request for credit Corp2Bk, Bk2Bk, or Both: B2B

DRC Customer or Corporate Drawdown Request or Response (Non-value) Transaction is related to customer or corporate drawdown request or response (non- value). Region: WHEM ISO Country Code: US ISO Currency Code: USD Payment System: Fedwire cDD/CT/ Both/ Other: Request for credit Corp2Bk, Bk2Bk, or Both: B2B

DRW Drawdown Response (Value) to Honor a Drawdown Request Transaction is related to drawdown response (value) to honor a drawdown request. Region: WHEM ISO Country Code: US ISO Currency Code: USD Payment System: Fedwire cDD/CT/ Both/ Other: other Corp2Bk, Bk2Bk, or Both: B2B

FADAMIPM SEPA FA Direct Debit AMI SEPA Fixed Amount Direct Debit AMI based on a paper mandate Region: EMEA ISO Country Code: SEPA ISO Currency Code: EUR

pain.001.001.03 - EPC



Payment System: PEACH cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both:

FFR Fed Funds Returned Transaction is related to Fed funds returned. Region: WHEM ISO Country Code: US ISO Currency Code: USD Payment System: Fedwire cDD/CT/ Both/ Other: CT Corp2Bk, Bk2Bk, or Both: B2B

FFS Fed Funds Sold Transaction is related to Fed funds sold. Region: WHEM ISO Country Code: US ISO Currency Code: USD Payment System: Fedwire cDD/CT/ Both/ Other: CT Corp2Bk, Bk2Bk, or Both: B2B

GST Truncated Credit Transfers Transaction is related to truncated credit transfers. Conversion of physical instrument to electonric form for transmission to the paying bank and where the original paper document does not continue in the clearing process..The original instrument rules are retained throughout the life of the instrument. Transaction triggered by specific marked and populated paper slip. Reconciliation reference is secured by check digits supporting secure optical recognition. All other remittance information is truncated prior transmission. Region: EMEA ISO Country Code: AT ISO Currency Code: EUR Payment System: correspondent banking cDD/CT/ Both/ Other: CT Corp2Bk, Bk2Bk, or Both:

IAT International ACH Transaction is related to international ACH. Region: WHEM ISO Country Code: US ISO Currency Code: USD Payment System: NACHA cDD/CT/ Both/ Other: Both Corp2Bk, Bk2Bk, or Both: Both

IDEAL Payments via Internet owned by Currence Transaction is related to payments via internet owned by Currence. Region: EMEA ISO Country Code: NL ISO Currency Code: EUR Payment System: All cDD/CT/ Both/ Other: Both Corp2Bk, Bk2Bk, or Both:

IN Cross Border Customer Credit Transfer Transaction is related to cross border customer credit transfer. Region: EMEA ISO Country Code: SE ISO Currency Code: All Payment System: All cDD/CT/ Both/ Other: CT Corp2Bk, Bk2Bk, or Both:

NLDO Dutch Domestic Bulk Payment Transaction is related to a Domestic payment initiated by PAIN.001 Region: EMEA ISO Country Code: NL

pain.001.001.03 - EPC



ISO Currency Code: EUR Payment System: All cDD/CT/ Both/ Other: CT Corp2Bk, Bk2Bk, or Both:

NLGOV Direct debit initiated by the government with special conditions Transaction is related to direct debit scheme owned by the NVB Region: EMEA ISO Country Code: NL ISO Currency Code: EUR Payment System: All cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both:

NLUP Dutch Urgent Payment Transaction is related to a Domestic payment initiated by PAIN.001 Region: EMEA ISO Country Code: NL ISO Currency Code: EUR Payment System: All cDD/CT/ Both/ Other: CT Corp2Bk, Bk2Bk, or Both:

ONCL Overnight Transaction is related to overnight clearing. Region: EMEA ISO Country Code: SEPA ISO Currency Code: EUR Payment System: Corporate banking cDD/CT/ Both/ Other: CT Corp2Bk, Bk2Bk, or Both: B2B

POP Point-Of-Purchase Transaction is related to point-of-purchase. Region: WHEM ISO Country Code: US ISO Currency Code: USD Payment System: NACHA cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both: Both

POS Point-Of-Sale Transaction is related to point-of-sale. Region: WHEM ISO Country Code: US ISO Currency Code: USD Payment System: NACHA cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both: Both

PPD Prearranged Payment or Deposit. Consumer counterparty. Transaction is related to prearranged payment or deposit consumer counterparty. Region: WHEM ISO Country Code: US ISO Currency Code: USD Payment System: NACHA cDD/CT/ Both/ Other: Both plus prenote. Corp2Bk, Bk2Bk, or Both: Both

RCK Re-presented Check Entry Transaction is related to re-presented check entry. Region: WHEM ISO Country Code: US ISO Currency Code: USD Payment System: NACHA cDD/CT/ Both/ Other: CT Corp2Bk, Bk2Bk, or Both: Both

RDD Returned Direct Debits Transaction is related to returned direct debits. Region: EMEA

pain.001.001.03 - EPC



ISO Country Code: AT ISO Currency Code: EUR Payment System: correspondent banking cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both:

RIBA Non-pre authorised direct debit Transaction is related to a non-pre authorised collection (RIBA). Region: EMEA ISO Country Code: IT ISO Currency Code: EUR Payment System: Domestic IT cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both: Both

RIDO Pre authorised revocable Direct Debit Transaction is related to a direct debit that is pre authorised and revocable (RID Ordinario). Region: EMEA ISO Country Code: IT ISO Currency Code: EUR Payment System: Domestic IT cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both: Both

RIDV Pre authorised revocable urgent Direct Debit Transaction is related to an urgent direct debit that is pre authorised and revocable (RID Veloce). Region: EMEA ISO Country Code: IT ISO Currency Code: EUR Payment System: Domestic IT cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both: Both

RTR Returned Credit Transfers Transaction is related to returned credit transfers. Region: EMEA ISO Country Code: AT ISO Currency Code: EUR Payment System: correspondent banking cDD/CT/ Both/ Other: CT Corp2Bk, Bk2Bk, or Both:

SCN Revoked Truncated Checks Transaction is related to revoked truncated checks. Region: EMEA ISO Country Code: AT ISO Currency Code: EUR Payment System: correspondent banking cDD/CT/ Both/ Other: other Corp2Bk, Bk2Bk, or Both:

SDCL Same Day Transaction is related to same day clearing. Region: EMEA ISO Country Code: SEPA ISO Currency Code: EUR Payment System: Corporate banking cDD/CT/ Both/ Other: CT Corp2Bk, Bk2Bk, or Both: B2B

SDD Revoked Direct Debits Transaction is related to revoked direct debits. Region: EMEA ISO Country Code: AT ISO Currency Code: EUR Payment System: correspondent banking cDD/CT/ Both/ Other: other Corp2Bk, Bk2Bk, or Both:

pain.001.001.03 - EPC



SDN Payments via Standaard Digitale Nota Transaction is related to payments via a ‘Standaard Digitale Nota’ InvoiceAcceptgiro payment. Region: EMEA ISO Country Code: NL ISO Currency Code: EUR Payment System: All cDD/CT/ Both/ Other: CT Corp2Bk, Bk2Bk, or Both:

SGT Revoked Truncated Credit Transfers Transaction is related to revoked truncated credit transfers. Region: EMEA ISO Country Code: AT ISO Currency Code: EUR Payment System: correspondent banking cDD/CT/ Both/ Other: other Corp2Bk, Bk2Bk, or Both:

SRD Revoked Returned Direct Debits Transaction is related to revoked returned direct debits. Region: EMEA ISO Country Code: AT ISO Currency Code: EUR Payment System: correspondent banking cDD/CT/ Both/ Other: other Corp2Bk, Bk2Bk, or Both:

SRT Revoked Returned Credit Transfers Transaction is related to revoked returned credit transfers Region: EMEA ISO Country Code: AT ISO Currency Code: EUR Payment System: correspondent banking cDD/CT/ Both/ Other: other Corp2Bk, Bk2Bk, or Both:

STR Revoked Credit Transfers Transaction is related to revoked credit transfers Region: EMEA ISO Country Code: AT ISO Currency Code: EUR Payment System: correspondent banking cDD/CT/ Both/ Other: other Corp2Bk, Bk2Bk, or Both:

SVC Non-Value Service Message Transaction is related to non-value service message. Region: WHEM ISO Country Code: US ISO Currency Code: USD Payment System: Fedwire cDD/CT/ Both/ Other: Non-value Service Message Corp2Bk, Bk2Bk, or Both: B2B

TEL Telephone Initiated Entry Transaction is related to telephone initiated entry. Region: WHEM ISO Country Code: US ISO Currency Code: USD Payment System: NACHA cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both: Both

TRF Credit Transfers Transaction is related to credit transfers Region: EMEA ISO Country Code: AT ISO Currency Code: All Payment System: correspondent banking

pain.001.001.03 - EPC



cDD/CT/ Both/ Other: CT Corp2Bk, Bk2Bk, or Both:

WEB Internet Initiated Entry Transaction is related to internet initiated entry. Region: WHEM ISO Country Code: US ISO Currency Code: USD Payment System: NACHA cDD/CT/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both: Both

ExternalOrganisationIdentification1Code SimpleType

Name External Organisation Identification 1Code

Type xs:string

Length 1 .. 4


BANK BankPartyIdentification Unique and unambiguous assignment made by a specific bank or similar financial institution to identify a relationship as defined between the bank and its client.

CBID Central Bank Identification Number A unique identification number assigned by a central bank to identify an organisation.

CHID Clearing Identification Number A unique identification number assigned by a clearing house to identify an organisation

COID CountryIdentificationCode Country authority given organisation identification (e.g., corporate registration number)

CUST CustomerNumber Number assigned by an issuer to identify a customer. Number assigned by a party to identify a creditor or debtor relationship.

DUNS Data Universal Numbering System A unique identification number provided by Dun & Bradstreet to identify an organisation.

EMPL EmployerIdentificationNumber Number assigned by a registration authority to an employer.

GS1G GS1GLNIdentifier Global Location Number. A non-significant reference number used to identify legal entities, functional entities, or physical entities according to GS1 numbering scheme rules.The number is used to retrieve detailed information that is linked to it.

SREN SIREN The SIREN number is a 9 digit code assigned by INSEE, the French National Institute for Statistics and Economic Studies, to identify an organisation in France.

SRET SIRET The SIRET number is a 14 digit code assigned by INSEE, the French National Institute for Statistics and Economic Studies, to identify an organisation unit in France. It consists of the SIREN number, followed by a five digit classification number, to identify the local geographical unit of that entity

TXID TaxIdentificationNumber Number assigned by a tax authority to identify an organisation.

ExternalPersonIdentification1Code SimpleType

Name External Person Identification 1Code

Type xs:string

Length 1 .. 4


ARNU AlienRegistrationNumber Number assigned by a social security agency to identify a non-resident person.

CCPT PassportNumber Number assigned by an authority to identify the passport number of a person.

CUST CustomerIdentificationNumber

pain.001.001.03 - EPC



Number assigned by an issuer to identify a customer. DRLC DriversLicenseNumber

Number assigned by an authority to identify a driver's license. EMPL EmployeeIdentificationNumber

Number assigned by a registration authority to an employee. NIDN NationalIdentityNumber

Number assigned by an authority to identify the national identity number of a person. SOSE SocialSecurityNumber

Number assigned by an authority to identify the social security number of a person. TXID TaxIdentificationNumber

Number assigned by a tax authority to identify a person.

ExternalPurpose1Code SimpleType

Name External Purpose 1Code

Type xs:string

Length 1 .. 4


ACCT AccountManagement Transaction moves funds between 2 accounts of same account holder at the same bank.

ADMG AdministrativeManagement Transaction is related to a payment associated with administrative management.

ADVA AdvancePayment Transaction is an advance payment.

AEMP ActiveEmploymentPolicy Payment concerning active employment policy.

AGRT AgriculturalTransfer Transaction is related to the agricultural domain.

AIRB Air Transaction is a payment for air transport related business.

ALLW Allowance Transaction is the payment of allowances.

ALMY AlimonyPayment Transaction is the payment of alimony.

ANNI Annuity Transaction settles annuity related to credit, insurance, investments, other.n

ANTS AnesthesiaServices Transaction is a payment for anesthesia services.

AREN Accounts Receivables Entry Transaction is related to a payment associated with an Account Receivable Entry

BBSC Baby Bonus Scheme Transaction is related to a payment made as incentive to encourage parents to have more children

BECH ChildBenefit Transaction is related to a payment made to assist parent/guardian to maintain child.

BENE UnemploymentDisabilityBenefit Transaction is related to a payment to a person who is unemployed/disabled.

BEXP BusinessExpenses Transaction is related to a payment of business expenses.

BLDM BuildingMaintenance Transaction is related to a payment associated with building maintenance.

BOCE Back Office Conversion Entry Transaction is related to a payment associated with a Back Office Conversion Entry

BONU BonusPayment. Transaction is related to payment of a bonus.

BUSB Bus Transaction is a payment for bus transport related business.

CAFI Custodian Management fee In-house Transaction is the payment of custodian account management fee where custodian bank and current account servicing bank coincide

pain.001.001.03 - EPC



CASH CashManagementTransfer Transaction is a general cash management instruction.

CBFF CapitalBuilding Transaction is related to capital building fringe fortune, ie capital building in general

CBFR CapitalBuildingRetirement Transaction is related to capital building fringe fortune for retirement

CBLK Card Bulk Clearing A Service that is settling money for a bulk of card transactions, while referring to a specific transaction file or other information like terminal ID, card acceptor ID or other transaction details.

CBTV CableTVBill Transaction is related to a payment of cable TV bill.

CCRD CreditCardPayment Transaction is related to a payment of credit card account.

CDBL CreditCardBill Transaction is related to a payment of credit card bill.

CDCB CardPayment with CashBack Purchase of Goods and Services with additional Cash disbursement at the POI (Cashback)

CDCD CashDisbursement ATM Cash Withdrawal in an unattended or Cash Advance in an attended environment (POI or bank counter)

CDCS Cash Disbursement with Surcharging ATM Cash Withdrawal in an unattended or Cash Advance in an attended environment (POI or bank counter) with surcharging.

CDDP Card Deferred Payment A combined service which enables the card acceptor to perform an authorisation for a temporary amount and a completion for the final amount within a limited time frame. Deferred Payment is only available in the unattended environment. Examples where this service is widely used are unattended petrol pumps and phone booths

CDOC OriginalCredit A service which allows the card acceptor to effect a credit to a cardholder' account. Unlike a Merchant Refund, an Original Credit is not preceded by a card payment. This service is used for example for crediting winnings from gaming.

CDQC QuasiCash Purchase of Goods which are equivalent to cash like coupons in casinos.

CFDI Capital falling due In-house Transaction is the payment of capital falling due where custodian bank and current account servicing bank coincide

CFEE CancellationFee Transaction is related to a payment of cancellation fee.

CGDD CardGeneratedDirectDebit Transaction is related to a direct debit where the mandate was generated by using data from a payment card at the point of sale.

CHAR CharityPayment Transaction is a payment for charity reasons.

CLPR CarLoanPrincipalRepayment Transaction is a payment of car loan principal payment.

CMDT CommodityTransfer Transaction is payment of commodities.

COLL CollectionPayment Transaction is a collection of funds initiated via a credit transfer or direct debit.

COMC CommercialPayment Transaction is related to a payment of commercial credit or debit. (formerly CommercialCredit)

COMM Commission Transaction is payment of commission.

COMT ConsumerThirdPartyConsolidatedPayment Transaction is a payment used by a third party who can collect funds to pay on behalf of consumers, ie credit counseling or bill payment companies.

COST Costs

pain.001.001.03 - EPC



Transaction is related to payment of costs. CPKC Carpark Charges

Transaction is related to carpark charges. CPYR Copyright

Transaction is payment of copyright. CSDB CashDisbursement

Transaction is related to cash disbursement. CSLP CompanySocialLoanPaymentToBank

Transaction is a payment by a company to a bank for financing social loans to employees.

CVCF ConvalescentCareFacility Transaction is a payment for convalescence care facility services.

DBTC DebitCollectionPayment Collection of funds initiated via a debit transfer.

DCRD Debit Card Payment Transaction is related to a debit card payment.

DEPT Deposit Transaction is releted to a payment of deposit.

DERI Derivatives Transaction is related to a derivatives transaction

DIVD Dividend Transaction is payment of dividends.

DMEQ DurableMedicaleEquipment Transaction is a payment is for use of durable medical equipment.

DNTS DentalServices Transaction is a payment for dental services.

EDUC Education Transaction is related to a payment of study/tuition fees.

ELEC ElectricityBill Transaction is related to a payment of electricity bill.

ENRG Energies Transaction is related to a utility operation.

ESTX EstateTax Transaction is related to a payment of estate tax.

ETUP E-Purse Top Up Transaction is related to a Service that is first reserving money from a card account and then is loading an e-purse application by this amount.

FAND FinancialAidInCaseOfNaturalDisaster Financial aid by State authorities for abolition of consequences of natural disasters.

FCOL Fee Collection A Service that is settling card transaction related fees between two parties.

FCPM Late Payment of Fees & Charges Transaction is the payment for late fees & charges. E.g Credit card charges

FERB Ferry Transaction is a payment for ferry related business.

FREX ForeignExchange Transaction is related to a foreign exchange operation.

FWLV Foreign Worker Levy Transaction is related to a payment of Foreign Worker Levy

GASB GasBill Transaction is related to a payment of gas bill.

GDDS PurchaseSaleOfGoods Transaction is related to purchase and sale of goods.

GDSV PurchaseSaleOfGoodsAndServices Transaction is related to purchase and sale of goods and services.

GFRP GuaranteeFundRightsPayment Compensation to unemployed persons during insolvency procedures.

GOVI GovernmentInsurance Transaction is related to a payment of government insurance.

GOVT GovernmentPayment Transaction is a payment to or from a government department.

GSCB PurchaseSaleOfGoodsAndServicesWithCashBack

pain.001.001.03 - EPC



Transaction is related to purchase and sale of goods and services with cash back. GSTX Goods & Services Tax

Transaction is the payment of Goods & Services Tax

GVEA Austrian Government Employees Category A Transaction is payment to category A Austrian government employees.

GVEB Austrian Government Employees Category B Transaction is payment to category B Austrian government employees.

GVEC Austrian Government Employees Category C Transaction is payment to category C Austrian government employees.

GVED Austrian Government Employees Category D Transaction is payment to category D Austrian government employees.

GWLT GovermentWarLegislationTransfer Payment to victims of war violence and to disabled soldiers.

HEDG Hedging Transaction is related to a hedging operation.

HLRP HousingLoanRepayment Transaction is related to a payment of housing loan.

HLTC HomeHealthCare Transaction is a payment for home health care services.

HLTI HealthInsurance Transaction is a payment of health insurance.

HSPC HospitalCare Transaction is a payment for hospital care services.

HSTX HousingTax Transaction is related to a payment of housing tax.

ICCP IrrevocableCreditCardPayment Transaction is reimbursement of credit card payment.

ICRF IntermediateCareFacility Transaction is a payment for intermediate care facility services.

IDCP IrrevocableDebitCardPayment Transaction is reimbursement of debit card payment.

IHRP InstalmentHirePurchaseAgreement Transaction is payment for an installment/hire-purchase agreement.

INPC InsurancePremiumCar Transaction is a payment of car insurance premium.

INSM Installment Transaction is related to a payment of an installment.

INSU InsurancePremium Transaction is payment of an insurance premium.

INTC IntraCompanyPayment Transaction is an intra-company payment, ie, a payment between two companies belonging to the same group.

INTE Interest Transaction is payment of interest.

INTX IncomeTax Transaction is related to a payment of income tax.

INVS Investment & Securities Transaction is for the payment of mutual funds, investment products and shares

IVPT Invoice Payment Transaction is the payment for invoices.

LBRI LaborInsurance Transaction is a payment of labor insurance.

LICF LicenseFee Transaction is payment of a license fee.

LIFI LifeInsurance Transaction is a payment of life insurance.

LIMA LiquidityManagement Bank initiated account transfer to support zero target balance management, pooling or sweeping.

LOAN Loan Transaction is related to transfer of loan to borrower.

LOAR LoanRepayment

pain.001.001.03 - EPC



Transaction is related to repayment of loan to lender. LTCF LongTermCareFacility

Transaction is a payment for long-term care facility services. MDCS MedicalServices

Transaction is a payment for medical care services. MSVC MultipleServiceTypes

Transaction is related to a payment for multiple service types. MTUP Mobile Top Up

A Service that is first reserving money from a card account and then is loading a prepaid mobile phone amount by this amount.

NETT Netting Transaction is related to a netting operation.

NITX NetIncomeTax Transaction is related to a payment of net income tax.

NOWS NotOtherwiseSpecified Transaction is related to a payment for type of services not specified elsewhere.

NWCH NetworkCharge Transaction is related to a payment of network charges.

NWCM NetworkCommunication Transaction is related to a payment of network communication.

OFEE OpeningFee Transaction is related to a payment of opening fee.

OTHR Other Other payment purpose.

OTLC OtherTelecomRelatedBill Transaction is related to a payment of other telecom related bill.

PADD Preauthorized debit Transaction is related to a pre-authorized debit origination

PAYR Payroll Transaction is related to the payment of payroll.

PENO PaymentBasedOnEnforcementOrder Payment based on enforcement orders except those arising from judicial alimony decrees.

PENS PensionPayment Transaction is the payment of pension.

PHON TelephoneBill Transaction is related to a payment of telephone bill.

POPE Point of Purchase Entry Transaction is related to a payment associated with a Point of Purchase Entry.

PPTI PropertyInsurance Transaction is a payment of property insurance.

PRCP PricePayment Transaction is related to a payment of a price.

PRME PreciousMetal Transaction is related to a precious metal operation.

PTSP PaymentTerms Transaction is related to payment terms specifications

PTXP Property Tax Transaction is related to a payment of property tax.

RCKE Re-presented Check Entry Transaction is related to a payment associated with a re-presented check entry

RCPT ReceiptPayment Transaction is related to a payment of receipt.

RDTX Road Tax Transaction is related to a payment of road tax.

REBT Rebate Transaction is the payment of a rebate.

REFU Refund Transaction is the payment of a refund.

RENT Rent Transaction is the payment of rent.

RHBS RehabilitationSupport

pain.001.001.03 - EPC



Benefit for the duration of occupational rehabilitation. RIMB Reimbursement of a previous erroneous transaction

Transaction is related to a reimbursement of a previous erroneous transaction. RINP RecurringInstallmentPayment

Transaction is related to a payment of a recurring installment made at regular intervals.

RLWY Railway Transaction is a payment for railway transport related business.

ROYA Royalties Transaction is the payment of royalties.

SALA SalaryPayment Transaction is the payment of salaries.

SAVG Savings Transfer to savings/retirement account.

SCVE PurchaseSaleOfServices Transaction is related to purchase and sale of services.

SECU Securities Transaction is the payment of securities.

SEPI Securities Purchase In-house Transaction is the payment of a purchase of securities where custodian bank and current account servicing bank coincide

SSBE SocialSecurityBenefit Transaction is a social security benefit, ie payment made by a government to support individuals.

STDY Study Transaction is related to a payment of study/tuition costs.

SUBS Subscription Transaction is related to a payment of information or entertainment services either in printed or electronic form.

SUPP SupplierPayment Transaction is related to a payment to a supplier.

TAXR TaxRefund Transaction is the refund of a tax payment or obligation.

TAXS TaxPayment Transaction is the payment of taxes.

TBIL Telecommunications Bill Transaction is related to a payment of telecommunications related bill.

TCSC Town Council Service Charges Transaction is related to a payment associated with charges levied by a town council.

TELI Telephone-Initiated Transaction Transaction is related to a payment initiated via telephone.

TRAD TradeServices Transaction is related to a trade services operation.

TREA TreasuryPayment Transaction is related to treasury operations.

TRFD TrustFund Transaction is related to a payment of a trust fund.

TRPT RoadPricing Transaction is for the payment to top-up pre-paid card and electronic road pricing for the purpose of transportation

UBIL Utilities Transaction is for the payment to common utility provider that provide gas, water and/ or electricity.

VATX ValueAddedTaxPayment Transaction is the payment of value added tax.

VIEW VisionCare Transaction is a payment for vision care services.

WEBI Internet-Initiated Transaction Transaction is related to a payment initiated via internet.

WHLD WithHolding Transaction is related to a payment of withholding tax.

WTER WaterBill

pain.001.001.03 - EPC



Transaction is related to a payment of water bill.

ExternalServiceLevel1Code SimpleType

Name External Service Level 1Code

Type xs:string

Length 1 .. 4


BKTR Book Transaction Payment through internal book transfer.

NUGP Non-urgent Priority Payment Payment must be executed as a non-urgent transaction with priority settlement.

NURG Non-urgent Payment Payment must be executed as a non-urgent transaction, which is typically identified as an ACH or low value transaction.

PRPT EBAPriorityService Transaction must be processed according to the EBA Priority Service.

SDVA SameDayValue Payment must be executed with same day value to the creditor.

SEPA SingleEuroPaymentsArea Payment must be executed following the Single Euro Payments Area scheme.

URGP Urgent Payment Payment must be executed as an urgent transaction cleared through a real-time gross settlement system, which is typically identified as a wire or high value transaction.

URNS Urgent Payment Net Settlement Payment must be executed as an urgent transaction cleared through a real-time net settlement system, which is typically identified as a wire or high value transaction.

IBAN2007Identifier SimpleType

Name IBAN2007Identifier

Type xs:string

Pattern [A-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,30}

Instruction3Code SimpleType

Name Instruction 3Code

Type xs:string


CHQB PayCreditorByCheque (Ultimate) creditor must be paid by cheque.

HOLD HoldCashForCreditor Amount of money must be held for the (ultimate) creditor, who will call. Pay on identification.

PHOB PhoneBeneficiary Please advise/contact (ultimate) creditor/claimant by phone

TELB Telecom Please advise/contact (ultimate) creditor/claimant by the most efficient means of telecommunication.

ISODate SimpleType

Name ISODate

Type xs:date

ISODateTime SimpleType

Name ISODate Time

Type xs:dateTime

pain.001.001.03 - EPC


Max10Text SimpleType

Name Max 10Text Type xs:string

Length 1 .. 10



Length 1 .. 128



Length 1 .. 140

Max15NumericText SimpleType

Name Max 15Numeric Text Type xs:string

Pattern [0-9]{1,15}



Length 1 .. 16



Length 1 .. 2048



Length 1 .. 34



Length 1 .. 35

Max4Text SimpleType


Length 1 .. 4



Length 1 .. 70

NamePrefix1Code SimpleType

Name Name Prefix 1Code

Type xs:string

pain.001.001.03 - EPC



DOCT Doctor Title of the person is Doctor or Dr.

MADM Madam Title of the person is Madam.

MISS Miss Title of the person is Miss.

MIST Mister Title of the person is Mister or Mr.

Number SimpleType

Name Number


PaymentMethod3Code SimpleType

Name Payment Method 3Code

Type xs:string


CHK Cheque Written order to a bank to pay a certain amount of money from one person to another person.

TRA TransferAdvice Transfer of an amount of money in the books of the account servicer. An advice should be sent back to the account owner.

TRF CreditTransfer Transfer of an amount of money in the books of the account servicer.

PercentageRate SimpleType

Name Percentage Rate


PhoneNumber SimpleType

Name Phone Number

Type xs:string

Pattern \+[0-9]{1,3}-[0-9()+\-]{1,30}

Priority2Code SimpleType

Name Priority 2Code

Type xs:string


HIGH High Priority level is high.

NORM Normal Priority level is normal.

RegulatoryReportingType1Code SimpleType

Name Regulatory Reporting Type 1Code

Type xs:string


BOTH Both Regulatory information applies to both credit and debit sides.

CRED Credit Regulatory information applies to the credit side.

pain.001.001.03 - EPC



DEBT Debit Regulatory information applies to the debit side.

RemittanceLocationMethod2Code SimpleType

Name Remittance Location Method 2Code

Type xs:string


EDIC ElectronicDataInterchange Remittance advice information must be sent through Electronic Data Interchange (EDI).

EMAL EMail Remittance advice information must be sent through e-mail.

FAXI Fax Remittance advice information must be faxed.

POST Post Remittance advice information must be sent through postal services.

SMSM SMS Remittance advice information must be sent through by phone as a short message service (SMS).

URID UniformResourceIdentifier Remittance advice information needs to be sent to a Uniform Resource Identifier (URI). URI is a compact string of characters that uniquely identify an abstract or physical resource. URI's are the super-set of identifiers, such as URLs, email addresses, ftp sites, etc, and as such, provide the syntax for all of the identification schemes.

TaxRecordPeriod1Code SimpleType

Name Tax Record Period 1Code

Type xs:string


HLF1 FirstHalf Tax is related to the first half of the period.

HLF2 SecondHalf Tax is related to the second half of the period.

MM01 FirstMonth Tax is related to the second month of the period.

MM02 SecondMonth Tax is related to the first month of the period.

MM03 ThirdMonth Tax is related to the third month of the period.

MM04 FourthMonth Tax is related to the fourth month of the period.

MM05 FifthMonth Tax is related to the fifth month of the period.

MM06 SixthMonth Tax is related to the sixth month of the period.

MM07 SeventhMonth Tax is related to the seventh month of the period.

MM08 EigthMonth Tax is related to the eigth month of the period.

MM09 NinthMonth Tax is related to the ninth month of the period.

MM10 TenthMonth Tax is related to the tenth month of the period.

MM11 EleventhMonth Tax is related to the eleventh month of the period.

MM12 TwelvethMonth Tax is related to the twelveth month of the period.

FirstQuarter

pain.001.001.03 - EPC



QTR1 Tax is related to the first quarter of the period. QTR2 SecondQuarter

Tax is related to the second quarter of the period. QTR3 ThirdQuarter

Tax is related to the third quarter of the period. QTR4 FourthQuarter

Tax is related to the forth quarter of the period.

AccountIdentification4Choice ComplexType

AccountIdentification4Choice

1..1 1..1

IBAN1..1

Othr1..1

Name Account Identification 4Choice

Elemente Status Description/Data type Fixed/Default

IBAN M IBAN2007Identifier

Othr M GenericAccountIdentification1

AccountSchemeName1Choice ComplexType

AccountSchemeName1Choice

1..1 1..1

Cd1..1

Prtry1..1

Name Account Scheme Name 1Choice


Cd M ExternalAccountIdentification1Code

Prtry M Max35Text

AmountType3Choice ComplexType

AmountType3Choice

1..1 1..1

InstdAmt1..1

EqvtAmt1..1

Name Amount Type 3Choice


InstdAmt M ActiveOrHistoricCurrencyAndAmount

EqvtAmt M EquivalentAmount2

Authorisation1Choice ComplexType

Authorisation1Choice

1..1 1..1

Cd1..1

Prtry1..1

Name Authorisation 1Choice Elemente Status Description/Data type Fixed/Default

M Authorisation1Code

pain.001.001.03 - EPC



Cd

Prtry M Max128Text

BranchAndFinancialInstitutionIdentification4 ComplexType

BranchAndFinancialInstitutionIdentification4

1..1

FinInstnId1..1

BrnchId0..1

Name Branch And Financial Institution Identification 4


FinInstnId M FinancialInstitutionIdentification7

BrnchId O BranchData2

BranchData2 ComplexType

BranchData2

1..1

Id0..1

Nm0..1

PstlAdr0..1

Name Branch Data 2


Id O Max35Text

Nm O Max140Text

PstlAdr O PostalAddress6

CashAccount16 ComplexType

CashAccount16

1..1

Id1..1

Tp0..1

Ccy0..1

Nm0..1

Name Cash Account 16


Id M AccountIdentification4Choice

Tp O CashAccountType2

Ccy O ActiveOrHistoricCurrencyCode

Nm O Max70Text

CashAccountType2 ComplexType

pain.001.001.03 - EPC


CashAccountType2

1..1 1..1

Cd1..1

Prtry1..1

Name Cash Account Type 2


Cd M CashAccountType4Code

Prtry M Max35Text

CategoryPurpose1Choice ComplexType

CategoryPurpose1Choice

1..1 1..1

Cd1..1

Prtry1..1

Name Category Purpose 1Choice


Cd M ExternalCategoryPurpose1Code

Prtry M Max35Text

Cheque6 ComplexType

Cheque6

1..1

ChqTp0..1

ChqNb0..1

ChqFr0..1

DlvryMtd0..1

DlvrTo0..1

InstrPrty0..1

ChqMtrtyDt0..1

FrmsCd0..1

MemoFld0..2

RgnlClrZone0..1

PrtLctn0..1

Name Cheque 6 Elemente Status Description/Data type Fixed/Default

ChqTp O ChequeType2Code

ChqNb O Max35Text

ChqFr O NameAndAddress10

pain.001.001.03 - EPC



DlvryMtd O ChequeDeliveryMethod1Choice

DlvrTo O NameAndAddress10

InstrPrty O Priority2Code

ChqMtrtyDt O ISODate

FrmsCd O Max35Text

MemoFld O Max35Text

RgnlClrZone O Max35Text

PrtLctn O Max35Text

ChequeDeliveryMethod1Choice ComplexType

ChequeDeliveryMethod1Choice

1..1 1..1

Cd1..1

Prtry1..1

Name Cheque Delivery Method 1Choice


Cd M ChequeDelivery1Code

Prtry M Max35Text

ClearingSystemIdentification2Choice ComplexType

ClearingSystemIdentification2Choice

1..1 1..1

Cd1..1

Prtry1..1

Name Clearing System Identification 2Choice


Cd M ExternalClearingSystemIdentification1Code

Prtry M Max35Text

ClearingSystemMemberIdentification2 ComplexType

ClearingSystemMemberIdentification2

1..1

ClrSysId0..1

MmbId1..1

Name Clearing System Member Identification 2


ClrSysId O ClearingSystemIdentification2Choice

MmbId M Max35Text

ContactDetails2 ComplexType

pain.001.001.03 - EPC


ContactDetails2

1..1

NmPrfx0..1

Nm0..1

PhneNb0..1

MobNb0..1

FaxNb0..1

EmailAdr0..1

Othr0..1

Name Contact Details 2


NmPrfx O NamePrefix1Code

Nm O Max140Text

PhneNb O PhoneNumber

MobNb O PhoneNumber

FaxNb O PhoneNumber

EmailAdr O Max2048Text

Othr O Max35Text

CreditorReferenceInformation2 ComplexType

CreditorReferenceInformation2

1..1

Tp0..1

Ref0..1

Name Creditor Reference Information 2


Tp O CreditorReferenceType2

Ref O Max35Text

CreditorReferenceType1Choice ComplexType

CreditorReferenceType1Choice

1..1 1..1

Cd1..1

Prtry1..1

Name Creditor Reference Type 1Choice


Cd M DocumentType3Code

Prtry M Max35Text

CreditorReferenceType2 ComplexType

pain.001.001.03 - EPC


CreditorReferenceType2

1..1

CdOrPrtry1..1

Issr0..1

Name Creditor Reference Type 2


CdOrPrtry M CreditorReferenceType1Choice

Issr O Max35Text

CreditTransferTransactionInformation10 ComplexType

pain.001.001.03 - EPC


CreditTransferTransactionInformation10

1..1

PmtId1..1

PmtTpInf0..1

Amt1..1

XchgRateInf0..1

ChrgBr0..1

ChqInstr0..1

UltmtDbtr0..1

IntrmyAgt10..1

IntrmyAgt1Acct0..1

IntrmyAgt20..1

IntrmyAgt2Acct0..1

IntrmyAgt30..1

IntrmyAgt3Acct0..1

CdtrAgt0..1

CdtrAgtAcct0..1

Cdtr0..1

CdtrAcct0..1

UltmtCdtr0..1

InstrForCdtrAgt0..*

InstrForDbtrAgt0..1

Purp0..1

RgltryRptg0..10

Tax0..1

RltdRmtInf0..10

RmtInf0..1

pain.001.001.03 - EPC


Name Credit Transfer Transaction Information 10


PmtId M PaymentIdentification1

PmtTpInf O PaymentTypeInformation19

Amt M AmountType3Choice

XchgRateInf O ExchangeRateInformation1

ChrgBr O ChargeBearerType1Code

ChqInstr O Cheque6

UltmtDbtr O PartyIdentification32

IntrmyAgt1 O BranchAndFinancialInstitutionIdentification4

IntrmyAgt1Acct O CashAccount16





CdtrAgt O BranchAndFinancialInstitutionIdentification4

CdtrAgtAcct O CashAccount16

Cdtr O PartyIdentification32

CdtrAcct O CashAccount16

UltmtCdtr O PartyIdentification32

InstrForCdtrAgt O InstructionForCreditorAgent1

InstrForDbtrAgt O Max140Text

Purp O Purpose2Choice

RgltryRptg O RegulatoryReporting3

Tax O TaxInformation3

RltdRmtInf O RemittanceLocation2

RmtInf O RemittanceInformation5

DateAndPlaceOfBirth ComplexType

DateAndPlaceOfBirth

1..1

BirthDt1..1

PrvcOfBirth0..1

CityOfBirth1..1

CtryOfBirth1..1

Name Date And Place Of Birth


BirthDt M ISODate

PrvcOfBirth O Max35Text

CityOfBirth M Max35Text

CtryOfBirth M CountryCode

DatePeriodDetails ComplexType

DatePeriodDetails

1..1

FrDt1..1

ToDt1..1

Name Date Period Details

pain.001.001.03 - EPC



FrDt M ISODate

ToDt M ISODate

DocumentAdjustment1 ComplexType

DocumentAdjustment1

1..1

Amt1..1

CdtDbtInd0..1

Rsn0..1

AddtlInf0..1

Name Document Adjustment 1


Amt M ActiveOrHistoricCurrencyAndAmount

CdtDbtInd O CreditDebitCode

Rsn O Max4Text

AddtlInf O Max140Text

EquivalentAmount2 ComplexType

EquivalentAmount2

1..1

Amt1..1

CcyOfTrf1..1

Name Equivalent Amount 2



CcyOfTrf M ActiveOrHistoricCurrencyCode

ExchangeRateInformation1 ComplexType

ExchangeRateInformation1

1..1

XchgRate0..1

RateTp0..1

CtrctId0..1

Name Exchange Rate Information 1


XchgRate O BaseOneRate

RateTp O ExchangeRateType1Code

CtrctId O Max35Text

FinancialIdentificationSchemeName1Choice ComplexType

pain.001.001.03 - EPC


FinancialIdentificationSchemeName1Choice

1..1 1..1

Cd1..1

Prtry1..1

Name Financial Identification Scheme Name 1Choice


Cd M ExternalFinancialInstitutionIdentification1Code

Prtry M Max35Text

FinancialInstitutionIdentification7 ComplexType

FinancialInstitutionIdentification7

1..1

BIC0..1

ClrSysMmbId0..1

Nm0..1

PstlAdr0..1

Othr0..1

Name Financial Institution Identification 7


BIC O BICIdentifier

ClrSysMmbId O ClearingSystemMemberIdentification2

Nm O Max140Text


Othr O GenericFinancialIdentification1

GenericAccountIdentification1 ComplexType

GenericAccountIdentification1

1..1

Id1..1

SchmeNm0..1

Issr0..1

Name Generic Account Identification 1


Id M Max34Text

SchmeNm O AccountSchemeName1Choice

Issr O Max35Text

GenericFinancialIdentification1 ComplexType

pain.001.001.03 - EPC


GenericFinancialIdentification1

1..1

Id1..1

SchmeNm0..1

Issr0..1

Name Generic Financial Identification 1


Id M Max35Text

SchmeNm O FinancialIdentificationSchemeName1Choice

Issr O Max35Text

GenericOrganisationIdentification1 ComplexType

GenericOrganisationIdentification1

1..1

Id1..1

SchmeNm0..1

Issr0..1

Name Generic Organisation Identification 1


Id M Max35Text

SchmeNm O OrganisationIdentificationSchemeName1Choice

Issr O Max35Text

GenericPersonIdentification1 ComplexType

GenericPersonIdentification1

1..1

Id1..1

SchmeNm0..1

Issr0..1

Name Generic Person Identification 1


Id M Max35Text

SchmeNm O PersonIdentificationSchemeName1Choice

Issr O Max35Text

GroupHeader32 ComplexType

pain.001.001.03 - EPC


GroupHeader32

1..1

MsgId1..1

CreDtTm1..1

Authstn0..2

NbOfTxs1..1

CtrlSum0..1

InitgPty1..1

FwdgAgt0..1

Name Group Header 32


MsgId M Max35Text

CreDtTm M ISODateTime

Authstn O Authorisation1Choice

NbOfTxs M Max15NumericText

CtrlSum O DecimalNumber

InitgPty M PartyIdentification32

FwdgAgt O BranchAndFinancialInstitutionIdentification4

InstructionForCreditorAgent1 ComplexType

InstructionForCreditorAgent1

1..1

Cd0..1

InstrInf0..1

Name Instruction For Creditor Agent 1


Cd O Instruction3Code

InstrInf O Max140Text

LocalInstrument2Choice ComplexType

LocalInstrument2Choice

1..1 1..1

Cd1..1

Prtry1..1

Name Local Instrument 2Choice


Cd M ExternalLocalInstrument1Code

Prtry M Max35Text

NameAndAddress10 ComplexType

pain.001.001.03 - EPC


NameAndAddress10

1..1

Nm1..1

Adr1..1

Name Name And Address 10


Nm M Max140Text

Adr M PostalAddress6

OrganisationIdentification4 ComplexType

OrganisationIdentification4

1..1

BICOrBEI0..1

Othr0..*

Name Organisation Identification 4


BICOrBEI O AnyBICIdentifier

Othr O GenericOrganisationIdentification1

OrganisationIdentificationSchemeName1Choice ComplexType

OrganisationIdentificationSchemeName1Choice

1..1 1..1

Cd1..1

Prtry1..1

Name Organisation Identification Scheme Name 1Choice


Cd M ExternalOrganisationIdentification1Code

Prtry M Max35Text

Party6Choice ComplexType

Party6Choice

1..1 1..1

OrgId1..1

PrvtId1..1

Name Party 6Choice


OrgId M OrganisationIdentification4

PrvtId M PersonIdentification5

PartyIdentification32 ComplexType

pain.001.001.03 - EPC


PartyIdentification32

1..1

Nm0..1

PstlAdr0..1

Id0..1

CtryOfRes0..1

CtctDtls0..1

Name Party Identification 32


Nm O Max140Text


Id O Party6Choice

CtryOfRes O CountryCode

CtctDtls O ContactDetails2

PaymentIdentification1 ComplexType

PaymentIdentification1

1..1

InstrId0..1

EndToEndId1..1

Name Payment Identification 1


InstrId O Max35Text

EndToEndId M Max35Text

PaymentInstructionInformation3 ComplexType

pain.001.001.03 - EPC


PaymentInstructionInformation3

1..1

PmtInfId1..1

PmtMtd1..1

BtchBookg0..1

NbOfTxs0..1

CtrlSum0..1

PmtTpInf0..1

ReqdExctnDt1..1

PoolgAdjstmntDt0..1

Dbtr1..1

DbtrAcct1..1

DbtrAgt1..1

DbtrAgtAcct0..1

UltmtDbtr0..1

ChrgBr0..1

ChrgsAcct0..1

ChrgsAcctAgt0..1

CdtTrfTxInf1..*

Name Payment Instruction Information 3 Elemente Status Description/Data type Fixed/Default

PmtInfId M Max35Text

PmtMtd M PaymentMethod3Code

BtchBookg O BatchBookingIndicator

NbOfTxs O Max15NumericText

CtrlSum O DecimalNumber

PmtTpInf O PaymentTypeInformation19

ReqdExctnDt M ISODate

PoolgAdjstmntDt O ISODate

Dbtr M PartyIdentification32

DbtrAcct M CashAccount16

DbtrAgt M BranchAndFinancialInstitutionIdentification4

DbtrAgtAcct O CashAccount16

UltmtDbtr O PartyIdentification32

ChrgBr O ChargeBearerType1Code

ChrgsAcct O CashAccount16

pain.001.001.03 - EPC



ChrgsAcctAgt O BranchAndFinancialInstitutionIdentification4

CdtTrfTxInf M CreditTransferTransactionInformation10

PaymentTypeInformation19 ComplexType

PaymentTypeInformation19

1..1

InstrPrty0..1

SvcLvl0..1

LclInstrm0..1

CtgyPurp0..1

Name Payment Type Information 19


InstrPrty O Priority2Code

SvcLvl O ServiceLevel8Choice

LclInstrm O LocalInstrument2Choice

CtgyPurp O CategoryPurpose1Choice

PersonIdentification5 ComplexType

PersonIdentification5

1..1

DtAndPlcOfBirth0..1

Othr0..*

Name Person Identification 5


DtAndPlcOfBirth O DateAndPlaceOfBirth

Othr O GenericPersonIdentification1

PersonIdentificationSchemeName1Choice ComplexType

PersonIdentificationSchemeName1Choice

1..1 1..1

Cd1..1

Prtry1..1

Name Person Identification Scheme Name 1Choice


Cd M ExternalPersonIdentification1Code

Prtry M Max35Text

PostalAddress6 ComplexType

pain.001.001.03 - EPC


PostalAddress6

1..1

AdrTp0..1

Dept0..1

SubDept0..1

StrtNm0..1

BldgNb0..1

PstCd0..1

TwnNm0..1

CtrySubDvsn0..1

Ctry0..1

AdrLine0..7

Name Postal Address 6


AdrTp O AddressType2Code

Dept O Max70Text

SubDept O Max70Text

StrtNm O Max70Text

BldgNb O Max16Text

PstCd O Max16Text

TwnNm O Max35Text

CtrySubDvsn O Max35Text

Ctry O CountryCode

AdrLine O Max70Text

Purpose2Choice ComplexType

Purpose2Choice

1..1 1..1

Cd1..1

Prtry1..1

Name Purpose 2Choice


Cd M ExternalPurpose1Code

Prtry M Max35Text

ReferredDocumentInformation3 ComplexType

pain.001.001.03 - EPC

pain.001.001.03 - EPC; 1.0 Generated by GEFEG.FX Page: 79 /87

ReferredDocumentInformation3

1..1

Tp0..1

Nb0..1

RltdDt0..1

Name Referred Document Information 3


Tp O ReferredDocumentType2

Nb O Max35Text

RltdDt O ISODate

ReferredDocumentType1Choice ComplexType

ReferredDocumentType1Choice

1..1 1..1

Cd1..1

Prtry1..1

Name Referred Document Type 1Choice


Cd M DocumentType5Code

Prtry M Max35Text

ReferredDocumentType2 ComplexType

ReferredDocumentType2

1..1

CdOrPrtry1..1

Issr0..1

Name Referred Document Type 2


CdOrPrtry M ReferredDocumentType1Choice

Issr O Max35Text

RegulatoryAuthority2 ComplexType

RegulatoryAuthority2

1..1

Nm0..1

Ctry0..1

Name Regulatory Authority 2


Nm O Max140Text

Ctry O CountryCode

RegulatoryReporting3 ComplexType

pain.001.001.03 - EPC


RegulatoryReporting3

1..1

DbtCdtRptgInd0..1

Authrty0..1

Dtls0..*

Name Regulatory Reporting 3


DbtCdtRptgInd O RegulatoryReportingType1Code

Authrty O RegulatoryAuthority2

Dtls O StructuredRegulatoryReporting3

RemittanceAmount1 ComplexType

RemittanceAmount1

1..1

DuePyblAmt0..1

DscntApldAmt0..1

CdtNoteAmt0..1

TaxAmt0..1

AdjstmntAmtAndRsn0..*

RmtdAmt0..1

Name Remittance Amount 1


DuePyblAmt O ActiveOrHistoricCurrencyAndAmount

DscntApldAmt O ActiveOrHistoricCurrencyAndAmount

CdtNoteAmt O ActiveOrHistoricCurrencyAndAmount

TaxAmt O ActiveOrHistoricCurrencyAndAmount

AdjstmntAmtAndRsn O DocumentAdjustment1

RmtdAmt O ActiveOrHistoricCurrencyAndAmount

RemittanceInformation5 ComplexType

RemittanceInformation5

1..1

Ustrd0..*

Strd0..*

Name Remittance Information 5


Ustrd O Max140Text

Strd O StructuredRemittanceInformation7

RemittanceLocation2 ComplexType

pain.001.001.03 - EPC


RemittanceLocation2

1..1

RmtId0..1

RmtLctnMtd0..1

RmtLctnElctrncAdr0..1

RmtLctnPstlAdr0..1

Name Remittance Location 2


RmtId O Max35Text

RmtLctnMtd O RemittanceLocationMethod2Code

RmtLctnElctrncAdr O Max2048Text

RmtLctnPstlAdr O NameAndAddress10

ServiceLevel8Choice ComplexType

ServiceLevel8Choice

1..1 1..1

Cd1..1

Prtry1..1

Name Service Level 8Choice


Cd M ExternalServiceLevel1Code

Prtry M Max35Text

StructuredRegulatoryReporting3 ComplexType

StructuredRegulatoryReporting3

1..1

Tp0..1

Dt0..1

Ctry0..1

Cd0..1

Amt0..1

Inf0..*

Name Structured Regulatory Reporting 3


Tp O Max35Text

Dt O ISODate

Ctry O CountryCode

Cd O Max10Text

Amt O ActiveOrHistoricCurrencyAndAmount

Inf O Max35Text

StructuredRemittanceInformation7 ComplexType

pain.001.001.03 - EPC


StructuredRemittanceInformation7

1..1

RfrdDocInf0..*

RfrdDocAmt0..1

CdtrRefInf0..1

Invcr0..1

Invcee0..1

AddtlRmtInf0..3

Name Structured Remittance Information 7


RfrdDocInf O ReferredDocumentInformation3

RfrdDocAmt O RemittanceAmount1

CdtrRefInf O CreditorReferenceInformation2

Invcr O PartyIdentification32

Invcee O PartyIdentification32

AddtlRmtInf O Max140Text

TaxAmount1 ComplexType

TaxAmount1

1..1

Rate0..1

TaxblBaseAmt0..1

TtlAmt0..1

Dtls0..*

Name Tax Amount 1


Rate O PercentageRate

TaxblBaseAmt O ActiveOrHistoricCurrencyAndAmount

TtlAmt O ActiveOrHistoricCurrencyAndAmount

Dtls O TaxRecordDetails1

TaxAuthorisation1 ComplexType

TaxAuthorisation1

1..1

Titl0..1

Nm0..1

Name Tax Authorisation 1


Titl O Max35Text

Nm O Max140Text

TaxInformation3 ComplexType

pain.001.001.03 - EPC


TaxInformation3

1..1

Cdtr0..1

Dbtr0..1

AdmstnZn0..1

RefNb0..1

Mtd0..1

TtlTaxblBaseAmt0..1

TtlTaxAmt0..1

Dt0..1

SeqNb0..1

Rcrd0..*

Name Tax Information 3


Cdtr O TaxParty1

Dbtr O TaxParty2

AdmstnZn O Max35Text

RefNb O Max140Text

Mtd O Max35Text

TtlTaxblBaseAmt O ActiveOrHistoricCurrencyAndAmount

TtlTaxAmt O ActiveOrHistoricCurrencyAndAmount

Dt O ISODate

SeqNb O Number

Rcrd O TaxRecord1

TaxParty1 ComplexType

TaxParty1

1..1

TaxId0..1

RegnId0..1

TaxTp0..1

Name Tax Party 1


TaxId O Max35Text

RegnId O Max35Text

TaxTp O Max35Text

TaxParty2 ComplexType

pain.001.001.03 - EPC


TaxParty2

1..1

TaxId0..1

RegnId0..1

TaxTp0..1

Authstn0..1

Name Tax Party 2


TaxId O Max35Text

RegnId O Max35Text

TaxTp O Max35Text

Authstn O TaxAuthorisation1

TaxPeriod1 ComplexType

TaxPeriod1

1..1

Yr0..1

Tp0..1

FrToDt0..1

Name Tax Period 1


Yr O ISODate

Tp O TaxRecordPeriod1Code

FrToDt O DatePeriodDetails

TaxRecord1 ComplexType

TaxRecord1

1..1

Tp0..1

Ctgy0..1

CtgyDtls0..1

DbtrSts0..1

CertId0..1

FrmsCd0..1

Prd0..1

TaxAmt0..1

AddtlInf0..1

Name Tax Record 1

pain.001.001.03 - EPC



Tp O Max35Text

Ctgy O Max35Text

CtgyDtls O Max35Text

DbtrSts O Max35Text

CertId O Max35Text

FrmsCd O Max35Text

Prd O TaxPeriod1

TaxAmt O TaxAmount1

AddtlInf O Max140Text

TaxRecordDetails1 ComplexType

TaxRecordDetails1

1..1

Prd0..1

Amt1..1

Name Tax Record Details 1


Prd O TaxPeriod1


CustomerCreditTransferInitiationV03 ComplexType

CustomerCreditTransferInitiationV03

1..1

GrpHdr1..1

PmtInf1..*

Name Customer Credit Transfer Initiation V03


GrpHdr M GroupHeader32

PmtInf M PaymentInstructionInformation3

Document ComplexType

Document

1..1

CstmrCdtTrfInitn1..1


CstmrCdtTrfInitn M CustomerCreditTransferInitiationV03

xs:boolean SimpleType

xs:date SimpleType

xs:dateTime SimpleType

xs:decimal SimpleType

xs:string SimpleType

pain.001.001.03 - EPC


Description of Cardinality

pain.001.001.03 - EPC


Disclaimer

The information provided herein was produced by Credit Suisse Group AG and/or its affiliates (hereafter "CS") with the greatest of care and to the best of its knowledge and belief. The information and views expressed herein are those of CS at the time of writing and are subject to change at any time without notice. CS provides no guarantee with regard to the content and completeness of the information and does not accept any liability for losses that might arise from making use of the information.

Neither this information nor any copy thereof may be sent, taken into or distributed in the United States or to any U. S. person (within the meaning of Regulation S under the US Securities Act of 1933, as amended). It may not be reproduced, neither in part nor in full, without the written permission of CS. Copyright © 2016 Credit Suisse Group AG and/or its affiliates. All rights reserved.

pain.001.001.03 - EPC; 1 · pain.001.001.03 - EPC; 1.0 Message Overview Generated by GEFEG.FX Page:...

Documents

Transcript of pain.001.001.03 - EPC; 1 · pain.001.001.03 - EPC; 1.0 Message Overview Generated by GEFEG.FX Page:...