The Pain.001.001.02 as described in the SEPA implementation guidelines – EPC132-08-C2B-CTIG-V3.3-Approved (Published in 2009). Use the search box on the top right of the table to find specific information. Back to the payment messages page.
| Index | Mult | Message Element | SEPA Core Requirements |
|---|---|---|---|
| 1.0 | [1..1] | + Group Header | |
| 1.1 | [1..1] | ++Message Identification | |
| 1.2 | [1..1] | ++Creation Date Time | |
| 1.3 | [0..2] | ++Autorisation | |
| 1.4 | [0..1] | ++ Batch Booking | Shaded yellow Usage Rule: If present and contains ‘TRUE’, batch booking is requested. If present and contains ‘FALSE’, booking per transaction is requested. Usage Rule: If element is not present, pre-agreed customer-to-bank conditions apply. |
| 1.5 | [1..1] | ++ Number Of Transactions | |
| 1.6 | [0..1] | ++ Control Sum | Shaded yellow |
| 1.7 | [1..1] | ++ Grouping | Usage Rule: Only ‘MIXD’ is allowed. |
| 1.8 | [1..1] | ++Initiating Party | |
| 1.8 | [0..1] | +++Name | Shaded yellow |
| 1.8 | [0..1] | +++Postal Address | |
| 1.8 | [0..1] | +++Identification | Shaded yellow |
| 1.8 | {Or | ++++Organisation Identification | Shaded yellow Format Rule: Only one sub-element of ‘Organisation Identification’ may be present. |
| 1.8 | Or} | ++++Private Identification | Shaded yellow Format Rule: Only one occurrence of ‘Private Identification’ may be present. |
| 1.8 | [0..1] | +++Country Of Residence | |
| 1.9 | [0..1] | ++ Forwarding Agent | |
| 2.0 | [1..n] | + Payment Information | |
| 2.1 | [0..1] | ++ Payment Information Identification | Shaded yellow Usage rule: It is recommended to provide Payment Information Identification. |
| 2.2 | [1..1] | ++ Payment Method | Usage Rule: Only ‘TRF’ is allowed. |
| 2.3 | [0..1] | ++ Payment Type Information | Usage Rule: If used, it is recommended to be used only at ‘Payment Information’ level and not at Credit Transfer Transaction Information’ level. Usage Rule: When Instruction Priority is to be used, ‘Payment Type Information’ must be present at ‘Payment Information’ level. |
| 2.4 | [0..1] | +++Instruction Priority | Shaded yellow Usage Rule: If present, pre-agreed customer-tobank conditions apply. |
| 2.5 | {Or | +++Service Level | Usage Rule: Usage is recommended. |
| 2.6 | {Or | ++++Code | (AT-40 Identification code of the Scheme) Usage Rule: Only ‘SEPA’ is allowed. |
| 2.7 | Or} | ++++Proprietary | |
| 2.8 | Or} | +++Clearing Channel | |
| 2.9 | [0..1] | +++Local Instrument | |
| 2.12 | [0..1] | +++Category Purpose | (AT-45 Category purpose of the Credit Transfer) Usage Rule: Depending on the agreement between the Originator and the Originator Bank, ‘Category Purpose’ may be forwarded to the Beneficiary Bank. |
| 2.13 | [1..1] | ++ Requested Execution Date | (AT-07 Requested Execution Date of the Instruction) |
| 2.14 | [0..1] | ++Pooling Adjustment Date | |
| 2.15 | [1..1] | ++Debtor | |
| 2.15 | [0..1] | +++Name | Mandatory (AT-02 Name of the Originator) |
| 2.15 | [0..1] | +++Postal Address | (AT-03 Address of the Originator) |
| 2.15 | [0..1] | ++++Address Type | |
| 2.15 | [0..5] | ++++Address Line | Usage Rule: Only two occurrences of ‘Address Line’ are allowed. |
| 2.15 | [0..1] | ++++Street Name | |
| 2.15 | [0..1] | ++++Building Number | |
| 2.15 | [0..1] | ++++Post Code | |
| 2.15 | [0..1] | ++++Town Name | |
| 2.15 | [0..1] | ++++Country Subdivision | |
| 2.15 | [1..1] | ++++Country | |
| 2.15 | [0..1] | +++Identification | (AT-10 Originator Identification Code) |
| 2.15 | {Or | ++++Organisation Identification | Format Rule: Only one sub-element of ‘Organisation Identification’ may be present. |
| 2.15 | Or} | ++++Private Identification | Format Rule: Only one occurrence of ‘Private Identification’ may be present. |
| 2.15 | [0..1] | +++Country of Residence | |
| 2.16 | [1..1] | ++ Debtor Account | (AT-01 Account Number of the Originator) |
| 2.16 | [1..1] | +++Identification | Shaded yellow Usage Rule: Only IBAN is allowed. |
| 2.16 | [0..1] | +++Type | |
| 2.16 | [0..1] | +++Currency | Shaded yellow |
| 2.16 | [0..1] | +++Name | |
| 2.17 | [1..1] | ++ Debtor Agent | Usage Rule: Only BIC is allowed. Usage Rule: BIC must be specified as a stand alone element and not part of ‘Combined Identification’. |
| 2.18 | [0..1] | ++ Debtor Agent Account | |
| 2.19 | [0..1] | ++ Ultimate Debtor | Usage Rule: This data element may be present either at ‘Payment Information’ or at ‘Credit Transfer Transaction Information’ level. |
| 2.19 | [0..1] | +++Name | (AT-08 Name of the Originator Reference Party) |
| 2.19 | [0..1] | +++Postal Address | |
| 2.19 | [0..1] | +++Identification | (AT-09 Identification code of the Originator Reference Party) |
| 2.19 | {Or | ++++Organisation Identification | Format Rule: Only one sub-element of ‘Organisation Identification’ may be present. |
| 2.19 | Or} | ++++Private Identification | Format Rule: Only one occurrence of ‘Private Identification’ may be present. |
| 2.19 | [0..1] | +++Country of Residence | |
| 2.20 | [0..1] | ++ Charge Bearer | Usage Rule: Only ‘SLEV’ is allowed. Usage Rule: It is recommended that this element be specified at ‘Payment Information’ level. |
| 2.21 | [0..1] | ++ Charges Account | |
| 2.22 | [0..1] | ++ Charges Account Agent | |
| 2.23 | [1..n] | ++ Credit Transfer Transaction Information | |
| 2.24 | [1..1] | +++Payment Identification | |
| 2.25 | [0..1] | ++++Instruction Identification | Shaded yellow |
| 2.26 | [1..1] | ++++End to End Identification | (AT-41 Originator’s Reference to the Credit Transfer) |
| 2.27 | [0..1] | +++Payment Type Information | Usage Rule: If used, it is recommended to be used at ‘Payment Information’ level and not at ‘Credit Transfer Transaction Information’ level. |
| 2.28 | [0..1] | ++++Instruction Priority | |
| 2.29 | {Or | ++++Service Level | Usage Rule: Usage is recommended |
| 2.30 | {Or | +++++Code | (AT-40 Identification code of the Scheme) Usage Rule: Only ‘SEPA’ is allowed. |
| 2.31 | Or} | +++++Proprietary | |
| 2.32 | Or} | ++++Clearing Channel | |
| 2.33 | [0..1] | ++++Local Instrument | |
| 2.36 | [0..1] | ++++Category Purpose | (AT-45 Category purpose of the Credit Transfer) Usage Rule: Depending on the agreement between the Originator and the Originator Bank, ‘Category Purpose’ may be forwarded to the Beneficiary Bank. |
| 2.37 | [1..1] | +++Amount | |
| 2.38 | {Or | ++++Instructed Amount | (AT-04 Amount of the Credit Transfer in Euro) Usage Rule: Only ‘EUR’ is allowed. Usage Rule: Amount must be 0.01 or more and 999999999.99 or less. Format Rule: The fractional part has a maximum of two digits. |
| 2.39 | Or} | ++++Equivalent Amount | |
| 2.42 | [0..1] | +++Exchange Rate Information | |
| 2.46 | [0..1] | +++Charge Bearer | Usage Rule: Only ‘SLEV’ is allowed. Usage Rule: It is recommended that this element be specified at ‘Payment Information’ level. |
| 2.47 | [0..1] | +++Cheque Instruction | |
| 2.48 | [0..1] | +++Ultimate Debtor | Usage Rule: This data element may be present either at ‘Payment Information’ or at ‘Credit Transfer Transaction Information’ level. |
| 2.48 | [0..1] | ++++Name | (AT-08 Name of the Originator Reference Party) |
| 2.48 | [0..1] | ++++Postal Address | |
| 2.48 | [0..1] | ++++Identification | (AT-09 Identification Code of the Originator Reference Party) |
| 2.48 | {Or | +++++Organisation Identification | Format Rule: Only one sub-element of ‘Organisation Identification’ may be present. |
| 2.48 | Or} | +++++Private Identification | Format Rule: Only one occurrence of ‘Private Identification’ may be present. |
| 2.48 | [0..1] | ++++Country of Residence | |
| 2.49 | [0..1] | +++Intermediary Agent 1 | |
| 2.50 | [0..1] | +++ Intermediary Agent 1 Account | |
| 2.51 | [0..1] | +++Intermediary Agent 2 | |
| 2.52 | [0..1] | +++ Intermediary Agent 2 Account | |
| 2.53 | [0..1] | +++Intermediary Agent 3 | |
| 2.54 | [0..1] | +++ Intermediary Agent 3 Account | |
| 2.55 | [0..1] | +++Creditor Agent | (AT-23 BIC of the Beneficiary Bank) Usage Rule: Only BIC is allowed. Usage Rule: BIC must be specified as a stand alone element and not as part of ‘Combined Identification’. |
| 2.56 | [0..1] | +++Creditor Agent Account | |
| 2.57 | [0..1] | +++Creditor | Mandatory |
| 2.57 | [0..1] | ++++Name | Mandatory (AT-21 Name of the Beneficiary) |
| 2.57 | [0..1] | ++++Postal Address | (AT-22 Address of the Beneficiary) |
| 2.57 | [0..1] | +++++Address Type | |
| 2.57 | [0..5] | +++++Address Line | Usage Rule: Only two occurrences are allowed. |
| 2.57 | [0..1] | +++++Street Name | |
| 2.57 | [0..1] | +++++Building Number | |
| 2.57 | [0..1] | +++++Post Code | |
| 2.57 | [0..1] | +++++Town Name | |
| 2.57 | [0..1] | +++++Country Subdivision | |
| 2.57 | [1..1] | +++++Country | |
| 2.57 | [0..1] | ++++Identification | (AT-24 Beneficiary Identification Code) |
| 2.57 | {Or | +++++Organisation Identification | Format Rule: Only one sub-element of ‘Organisation Identification’ may be present. |
| 2.57 | Or} | +++++Private Identification | Format Rule: Only one occurrence of ‘Private Identification’ may be present. |
| 2.57 | [0..1] | ++++Country of Residence | |
| 2.58 | [0..1] | +++Creditor Account | Mandatory (AT-20 Account number of the Beneficiary) Usage Rule: Only IBAN is allowed. |
| 2.59 | [0..1] | +++Ultimate Creditor | |
| 2.59 | [0..1] | ++++Name | (AT-28 Name of the Beneficiary Reference Party) |
| 2.59 | [0..1] | ++++Postal Address | |
| 2.59 | [0..1] | ++++Identification | (AT-29 Identification Code of the Beneficiary Reference Party). |
| 2.59 | {Or | +++++Organisation Identification | Format Rule: Only one sub-element of ‘Organisation Identification’ may be present. |
| 2.59 | Or} | +++++Private Identification | Format Rule: Only one occurrence of ‘Private Identification’ may be present. |
| 2.59 | [0..1] | ++++Country of Residence | |
| 2.60 | [0..n] | +++Instruction for Creditor Agent | |
| 2.63 | [0..1] | +++Instruction for Debtor Agent | |
| 2.64 | [0..1] | +++Purpose | (AT-44 Purpose of the Credit Transfer) |
| 2.65 | {Or | ++++Code | Usage Rule: Only codes from the ISO 20022 ExternalPurposeCode list are allowed. See http://www.iso20022.org/Payments_External_Code_Lists.page |
| 2.66 | Or} | ++++Proprietary | |
| 2.67 | [0..10] | +++Regulatory Reporting | |
| 2.76 | [0..1] | +++Tax | |
| 2.77 | [0..10] | +++Related Remittance Information | |
| 2.84 | [0..1] | +++Remittance Information | (AT-05 Remittance Information) Usage Rule: Either ‘Structured’ or ‘Unstructured’ may be present. |
| 2.85 | [0..n] | ++++Unstructured | Usage Rule: ‘Unstructured’ may carry structured remittance information, as agreed between the Originator and the Beneficiary. Format Rule: Only one occurrence of ‘Unstructured’ is allowed. |
| 2.86 | [0..n] | ++++Structured | Format 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. |
| 2.87 | [0..1] | +++++Referred Document Information | |
| 2.93 | [0..1] | +++++Referred Document Related Date | |
| 2.94 | [0..n] | +++++Referred Document Amount | |
| 2.100 | [0..1] | +++++Creditor Reference Information | Usage Rule: When present, the Debtor Bank is not obliged to validate the the reference information. Usage Rule: When used both ‘’Creditor Reference Type’ and ‘Creditor Reference’ must be present. |
| 2.101 | [0..1] | ++++++Creditor Reference Type | |
| 2.102 | {Or | +++++++Code | Usage Rule: Only ‘SCOR’ is allowed. |
| 2.103 | Or} | +++++++Proprietary | |
| 2.104 | [0..1] | +++++++Issuer | |
| 2.105 | [0..1] | ++++++Creditor Reference | Usage Rule: If a Creditor Reference contains a check digit, the receiving bank is not required to validate this. Usage Rule: 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 |
| 2.106 | [0..1] | +++++Invoicer | |
| 2.107 | [0..1] | +++++Invoicee | |
| 2.108 | [0..1] | +++++Additional Remittance Information |
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