FIToFICustomerCreditTransferV01

pacs.008.001.01

Scope The FinancialInstitutionToFinancialInstitutionCustomerCreditTransfer message is sent by the debtor agent to the creditor agent, directly or through other agents and/or a payment clearing and settlement system. It is used to move funds from a debtor account to a creditor. Usage The FIToFICustomerCreditTransfer message is exchanged between agents and can contain one or more customer credit transfer instructions. The FIToFICustomerCreditTransfer message does not allow for grouping: a CreditTransferTransactionInformation block must be present for each credit transfer transaction. The FIToFICustomerCreditTransfer message can be used in different ways:

If the instructing agent and the instructed agent wish to use their direct account relationship in the currency of the transfer then the message contains both the funds for the customer transfer(s) as well as the payment details;
If the instructing agent and the instructed agent have no direct account relationship in the currency of the transfer, or do not wish to use their account relationship, then other (reimbursement) agents will be involved to cover for the customer transfer(s). The FIToFICustomerCreditTransfer contains only the payment details and the instructing agent must cover the customer transfer by sending a FinancialInstitutionCreditTransfer to a reimbursement agent. This payment method is called the Cover method;
If more than two financial institutions are involved in the payment chain and if the FIToFICustomerCreditTransfer is sent from one financial institution to the next financial institution in the payment chain, then the payment method is called the Serial method. The FIToFICustomerCreditTransfer message can be used in domestic and cross-border scenarios.

Message Construction

Every ISO20022 message has at the highest level what we call ‘building blocks’. Because the message is constructed as immutable records, the association is by composition. Below you can see the relationship between the message and its constituent building blocks: For comparison, see the ISO20022 official specification

classDiagram
     direction LR
%% FIToFICustomerCreditTransferV01 recursion level 0 with max 0
FIToFICustomerCreditTransferV01 *-- "1..1" GroupHeader2 : GroupHeader
FIToFICustomerCreditTransferV01 *-- "1..1" CreditTransferTransactionInformation2 : CreditTransferTransactionInformation

Now, we will zero-in one-by-one on each of these building blocks.

GroupHeader building block

Set of characteristics shared by all individual transactions included in the message. Set of characteristics shared by all individual transactions included in the message. For comparison, see the ISO20022 official specification

classDiagram
   direction tb
%% GroupHeader2 recursion level 0 with max 1
class GroupHeader2{
    MessageIdentification IsoMax35Text
    CreationDateTime IsoISODateTime
    BatchBooking IsoBatchBookingIndicator
    NumberOfTransactions IsoMax15NumericText
    ControlSum IsoDecimalNumber
    TotalInterbankSettlementAmount IsoCurrencyAndAmount
    InterbankSettlementDate IsoISODate
}
GroupHeader2 *-- "1..1" SettlementInformation1 : SettlementInformation
GroupHeader2 *-- "0..1" PaymentTypeInformation3 : PaymentTypeInformation
GroupHeader2 *-- "0..1" BranchAndFinancialInstitutionIdentification3 : InstructingAgent
GroupHeader2 *-- "0..1" BranchAndFinancialInstitutionIdentification3 : InstructedAgent
%% SettlementInformation1 recursion level 1 with max 1
class SettlementInformation1{
    SettlementMethod SettlementMethod1Code
}
SettlementInformation1 *-- "0..1" CashAccount7 : SettlementAccount
SettlementInformation1 *-- "0..1" IClearingSystemIdentification1Choice : ClearingSystem
SettlementInformation1 *-- "0..1" BranchAndFinancialInstitutionIdentification3 : InstructingReimbursementAgent
SettlementInformation1 *-- "0..1" CashAccount7 : InstructingReimbursementAgentAccount
SettlementInformation1 *-- "0..1" BranchAndFinancialInstitutionIdentification3 : InstructedReimbursementAgent
SettlementInformation1 *-- "0..1" CashAccount7 : InstructedReimbursementAgentAccount
SettlementInformation1 *-- "0..1" BranchAndFinancialInstitutionIdentification3 : ThirdReimbursementAgent
SettlementInformation1 *-- "0..1" CashAccount7 : ThirdReimbursementAgentAccount
%% PaymentTypeInformation3 recursion level 1 with max 1
class PaymentTypeInformation3{
    InstructionPriority Priority2Code
    ClearingChannel ClearingChannel2Code
    CategoryPurpose PaymentCategoryPurpose1Code
}
PaymentTypeInformation3 *-- "0..1" IServiceLevel2Choice : ServiceLevel
PaymentTypeInformation3 *-- "0..1" ILocalInstrument1Choice : LocalInstrument
%% BranchAndFinancialInstitutionIdentification3 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification3 *-- "1..1" IFinancialInstitutionIdentification5Choice : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification3 *-- "0..1" BranchData : BranchIdentification
%% BranchAndFinancialInstitutionIdentification3 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification3 *-- "1..1" IFinancialInstitutionIdentification5Choice : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification3 *-- "0..1" BranchData : BranchIdentification

GroupHeader2 members

Member name	Description	Data Type / Multiplicity
MessageIdentification	Point to point reference assigned by the instructing party and sent to the next party in the chain to unambiguously identify the message.
CreationDateTime	Date and time at which a (group of) payment instruction(s) was created by the instructing party.	IsoISODateTime - Required 1..1
BatchBooking	Identifies whether a single entry per individual transaction or a batch entry for the sum of the amounts of all transactions in the message is requested.	IsoBatchBookingIndicator - Optional 0..1
NumberOfTransactions	Number of individual transactions contained in the message.	IsoMax15NumericText - Required 1..1
ControlSum	Total of all individual amounts included in the message, irrespective of currencies.	IsoDecimalNumber - Optional 0..1
TotalInterbankSettlementAmount	Total amount of money transferred between instructing agent and instructed agent.	IsoCurrencyAndAmount - Optional 0..1
InterbankSettlementDate	Date on which the amount of money ceases to be available to the agent that owes it and when the amount of money becomes available to the agent to which it is due.	IsoISODate - Optional 0..1
SettlementInformation	Specifies the details on how the settlement of the transaction(s) between the instructing agent and the instructed agent is completed.	SettlementInformation1 - Required 1..1
PaymentTypeInformation	Set of elements used to further specify the type of transaction.	PaymentTypeInformation3 - Optional 0..1
InstructingAgent	Agent that instructs the next party in the chain to carry out the (set of) instruction(s).	BranchAndFinancialInstitutionIdentification3 - Optional 0..1
InstructedAgent	Agent that is instructed by the previous party in the chain to carry out the (set of) instruction(s).	BranchAndFinancialInstitutionIdentification3 - Optional 0..1

CreditTransferTransactionInformation building block

Set of elements providing information specific to the individual credit transfer(s). Set of elements providing information specific to the individual transaction(s) included in the message. For comparison, see the ISO20022 official specification

classDiagram
   direction tb
%% CreditTransferTransactionInformation2 recursion level 0 with max 1
class CreditTransferTransactionInformation2{
    InterbankSettlementAmount IsoCurrencyAndAmount
    InterbankSettlementDate IsoISODate
    AcceptanceDateTime IsoISODateTime
    PoolingAdjustmentDate IsoISODate
    InstructedAmount IsoCurrencyAndAmount
    ExchangeRate IsoBaseOneRate
    ChargeBearer ChargeBearerType1Code
}
CreditTransferTransactionInformation2 *-- "1..1" PaymentIdentification2 : PaymentIdentification
CreditTransferTransactionInformation2 *-- "0..1" PaymentTypeInformation3 : PaymentTypeInformation
CreditTransferTransactionInformation2 *-- "0..1" SettlementDateTimeIndication1 : SettlementTimeIndication
CreditTransferTransactionInformation2 *-- "0..1" SettlementTimeRequest1 : SettlementTimeRequest
CreditTransferTransactionInformation2 *-- "0..0" ChargesInformation1 : ChargesInformation
CreditTransferTransactionInformation2 *-- "0..1" BranchAndFinancialInstitutionIdentification3 : PreviousInstructingAgent
CreditTransferTransactionInformation2 *-- "0..1" CashAccount7 : PreviousInstructingAgentAccount
CreditTransferTransactionInformation2 *-- "0..1" BranchAndFinancialInstitutionIdentification3 : InstructingAgent
CreditTransferTransactionInformation2 *-- "0..1" BranchAndFinancialInstitutionIdentification3 : InstructedAgent
CreditTransferTransactionInformation2 *-- "0..1" BranchAndFinancialInstitutionIdentification3 : IntermediaryAgent1
CreditTransferTransactionInformation2 *-- "0..1" CashAccount7 : IntermediaryAgent1Account
CreditTransferTransactionInformation2 *-- "0..1" BranchAndFinancialInstitutionIdentification3 : IntermediaryAgent2
CreditTransferTransactionInformation2 *-- "0..1" CashAccount7 : IntermediaryAgent2Account
CreditTransferTransactionInformation2 *-- "0..1" BranchAndFinancialInstitutionIdentification3 : IntermediaryAgent3
CreditTransferTransactionInformation2 *-- "0..1" CashAccount7 : IntermediaryAgent3Account
CreditTransferTransactionInformation2 *-- "0..1" PartyIdentification8 : UltimateDebtor
CreditTransferTransactionInformation2 *-- "0..1" PartyIdentification8 : InitiatingParty
CreditTransferTransactionInformation2 *-- "1..1" PartyIdentification8 : Debtor
CreditTransferTransactionInformation2 *-- "0..1" CashAccount7 : DebtorAccount
CreditTransferTransactionInformation2 *-- "1..1" BranchAndFinancialInstitutionIdentification3 : DebtorAgent
CreditTransferTransactionInformation2 *-- "0..1" CashAccount7 : DebtorAgentAccount
CreditTransferTransactionInformation2 *-- "1..1" BranchAndFinancialInstitutionIdentification3 : CreditorAgent
CreditTransferTransactionInformation2 *-- "0..1" CashAccount7 : CreditorAgentAccount
CreditTransferTransactionInformation2 *-- "1..1" PartyIdentification8 : Creditor
CreditTransferTransactionInformation2 *-- "0..1" CashAccount7 : CreditorAccount
CreditTransferTransactionInformation2 *-- "0..1" PartyIdentification8 : UltimateCreditor
CreditTransferTransactionInformation2 *-- "0..0" InstructionForCreditorAgent1 : InstructionForCreditorAgent
CreditTransferTransactionInformation2 *-- "0..0" InstructionForNextAgent1 : InstructionForNextAgent
CreditTransferTransactionInformation2 *-- "0..1" IPurpose1Choice : Purpose
CreditTransferTransactionInformation2 *-- "0..10" RegulatoryReporting2 : RegulatoryReporting
CreditTransferTransactionInformation2 *-- "0..10" RemittanceLocation1 : RelatedRemittanceInformation
CreditTransferTransactionInformation2 *-- "0..1" RemittanceInformation1 : RemittanceInformation
%% PaymentIdentification2 recursion level 1 with max 1
class PaymentIdentification2{
    InstructionIdentification IsoMax35Text
    EndToEndIdentification IsoMax35Text
    TransactionIdentification IsoMax35Text
}
%% PaymentTypeInformation3 recursion level 1 with max 1
class PaymentTypeInformation3{
    InstructionPriority Priority2Code
    ClearingChannel ClearingChannel2Code
    CategoryPurpose PaymentCategoryPurpose1Code
}
PaymentTypeInformation3 *-- "0..1" IServiceLevel2Choice : ServiceLevel
PaymentTypeInformation3 *-- "0..1" ILocalInstrument1Choice : LocalInstrument
%% SettlementDateTimeIndication1 recursion level 1 with max 1
class SettlementDateTimeIndication1{
    DebitDateTime IsoISODateTime
    CreditDateTime IsoISODateTime
}
%% SettlementTimeRequest1 recursion level 1 with max 1
class SettlementTimeRequest1{
    CLSTime IsoISOTime
}
%% ChargesInformation1 recursion level 1 with max 1
class ChargesInformation1{
    ChargesAmount IsoCurrencyAndAmount
}
ChargesInformation1 *-- "1..1" BranchAndFinancialInstitutionIdentification3 : ChargesParty
%% BranchAndFinancialInstitutionIdentification3 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification3 *-- "1..1" IFinancialInstitutionIdentification5Choice : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification3 *-- "0..1" BranchData : BranchIdentification
%% CashAccount7 recursion level 1 with max 1
class CashAccount7{
    Currency CurrencyCode
    Name IsoMax70Text
}
CashAccount7 *-- "1..1" IAccountIdentification3Choice : Identification
CashAccount7 *-- "0..1" CashAccountType2 : Type
%% BranchAndFinancialInstitutionIdentification3 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification3 *-- "1..1" IFinancialInstitutionIdentification5Choice : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification3 *-- "0..1" BranchData : BranchIdentification
%% BranchAndFinancialInstitutionIdentification3 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification3 *-- "1..1" IFinancialInstitutionIdentification5Choice : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification3 *-- "0..1" BranchData : BranchIdentification
%% BranchAndFinancialInstitutionIdentification3 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification3 *-- "1..1" IFinancialInstitutionIdentification5Choice : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification3 *-- "0..1" BranchData : BranchIdentification
%% CashAccount7 recursion level 1 with max 1
class CashAccount7{
    Currency CurrencyCode
    Name IsoMax70Text
}
CashAccount7 *-- "1..1" IAccountIdentification3Choice : Identification
CashAccount7 *-- "0..1" CashAccountType2 : Type
%% BranchAndFinancialInstitutionIdentification3 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification3 *-- "1..1" IFinancialInstitutionIdentification5Choice : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification3 *-- "0..1" BranchData : BranchIdentification
%% CashAccount7 recursion level 1 with max 1
class CashAccount7{
    Currency CurrencyCode
    Name IsoMax70Text
}
CashAccount7 *-- "1..1" IAccountIdentification3Choice : Identification
CashAccount7 *-- "0..1" CashAccountType2 : Type
%% BranchAndFinancialInstitutionIdentification3 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification3 *-- "1..1" IFinancialInstitutionIdentification5Choice : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification3 *-- "0..1" BranchData : BranchIdentification
%% CashAccount7 recursion level 1 with max 1
class CashAccount7{
    Currency CurrencyCode
    Name IsoMax70Text
}
CashAccount7 *-- "1..1" IAccountIdentification3Choice : Identification
CashAccount7 *-- "0..1" CashAccountType2 : Type
%% PartyIdentification8 recursion level 1 with max 1
class PartyIdentification8{
    Name IsoMax70Text
    CountryOfResidence CountryCode
}
PartyIdentification8 *-- "0..1" PostalAddress1 : PostalAddress
PartyIdentification8 *-- "0..1" IParty2Choice : Identification
%% PartyIdentification8 recursion level 1 with max 1
class PartyIdentification8{
    Name IsoMax70Text
    CountryOfResidence CountryCode
}
PartyIdentification8 *-- "0..1" PostalAddress1 : PostalAddress
PartyIdentification8 *-- "0..1" IParty2Choice : Identification
%% PartyIdentification8 recursion level 1 with max 1
class PartyIdentification8{
    Name IsoMax70Text
    CountryOfResidence CountryCode
}
PartyIdentification8 *-- "0..1" PostalAddress1 : PostalAddress
PartyIdentification8 *-- "0..1" IParty2Choice : Identification
%% CashAccount7 recursion level 1 with max 1
class CashAccount7{
    Currency CurrencyCode
    Name IsoMax70Text
}
CashAccount7 *-- "1..1" IAccountIdentification3Choice : Identification
CashAccount7 *-- "0..1" CashAccountType2 : Type
%% BranchAndFinancialInstitutionIdentification3 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification3 *-- "1..1" IFinancialInstitutionIdentification5Choice : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification3 *-- "0..1" BranchData : BranchIdentification
%% CashAccount7 recursion level 1 with max 1
class CashAccount7{
    Currency CurrencyCode
    Name IsoMax70Text
}
CashAccount7 *-- "1..1" IAccountIdentification3Choice : Identification
CashAccount7 *-- "0..1" CashAccountType2 : Type
%% BranchAndFinancialInstitutionIdentification3 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification3 *-- "1..1" IFinancialInstitutionIdentification5Choice : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification3 *-- "0..1" BranchData : BranchIdentification
%% CashAccount7 recursion level 1 with max 1
class CashAccount7{
    Currency CurrencyCode
    Name IsoMax70Text
}
CashAccount7 *-- "1..1" IAccountIdentification3Choice : Identification
CashAccount7 *-- "0..1" CashAccountType2 : Type
%% PartyIdentification8 recursion level 1 with max 1
class PartyIdentification8{
    Name IsoMax70Text
    CountryOfResidence CountryCode
}
PartyIdentification8 *-- "0..1" PostalAddress1 : PostalAddress
PartyIdentification8 *-- "0..1" IParty2Choice : Identification
%% CashAccount7 recursion level 1 with max 1
class CashAccount7{
    Currency CurrencyCode
    Name IsoMax70Text
}
CashAccount7 *-- "1..1" IAccountIdentification3Choice : Identification
CashAccount7 *-- "0..1" CashAccountType2 : Type
%% PartyIdentification8 recursion level 1 with max 1
class PartyIdentification8{
    Name IsoMax70Text
    CountryOfResidence CountryCode
}
PartyIdentification8 *-- "0..1" PostalAddress1 : PostalAddress
PartyIdentification8 *-- "0..1" IParty2Choice : Identification
%% InstructionForCreditorAgent1 recursion level 1 with max 1
class InstructionForCreditorAgent1{
    Code Instruction3Code
    InstructionInformation IsoMax140Text
}
%% InstructionForNextAgent1 recursion level 1 with max 1
class InstructionForNextAgent1{
    Code Instruction4Code
    InstructionInformation IsoMax140Text
}
%% IPurpose1Choice recursion level 1 with max 1
%% RegulatoryReporting2 recursion level 1 with max 1
class RegulatoryReporting2{
    DebitCreditReportingIndicator RegulatoryReportingType1Code
}
RegulatoryReporting2 *-- "0..1" RegulatoryAuthority : Authority
RegulatoryReporting2 *-- "0..1" StructuredRegulatoryReporting2 : RegulatoryDetails
%% RemittanceLocation1 recursion level 1 with max 1
class RemittanceLocation1{
    RemittanceIdentification IsoMax35Text
    RemittanceLocationMethod RemittanceLocationMethod1Code
    RemittanceLocationElectronicAddress IsoMax256Text
}
RemittanceLocation1 *-- "0..1" NameAndAddress3 : RemittanceLocationPostalAddress
%% RemittanceInformation1 recursion level 1 with max 1
class RemittanceInformation1{
    Unstructured IsoMax140Text
}
RemittanceInformation1 *-- "0..0" StructuredRemittanceInformation6 : Structured

CreditTransferTransactionInformation2 members

Member name	Description	Data Type / Multiplicity
PaymentIdentification	Set of elements to reference a payment instruction.	PaymentIdentification2 - Required 1..1
PaymentTypeInformation	Set of elements used to further specify the type of transaction.	PaymentTypeInformation3 - Optional 0..1
InterbankSettlementAmount	Amount of money moved between the instructing agent and the instructed agent.	IsoCurrencyAndAmount - Required 1..1
InterbankSettlementDate	Date on which the amount of money ceases to be available to the agent that owes it and when the amount of money becomes available to the agent to which it is due.	IsoISODate - Optional 0..1
SettlementTimeIndication	Provides information on the occurred settlement time(s) of the payment transaction.	SettlementDateTimeIndication1 - Optional 0..1
SettlementTimeRequest	Provides information on the requested settlement time of the payment instruction.	SettlementTimeRequest1 - Optional 0..1
AcceptanceDateTime	Point in time when the payment order from the initiating party meets the processing conditions of the account servicing agent (debtor’s agent in case of a credit transfer, creditor’s agent in case of a direct debit). This means - amongst others - that the account servicing agent has received the payment order and has applied checks as eg, authorisation, availability of funds.	IsoISODateTime - Optional 0..1
PoolingAdjustmentDate	Date used for the correction of the value date of a cash pool movement that has been posted with a different value date.	IsoISODate - Optional 0..1
InstructedAmount	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.	IsoCurrencyAndAmount - Optional 0..1
ExchangeRate	The factor used for conversion of an amount from one currency to another. This reflects the price at which one currency was bought with another currency.	IsoBaseOneRate - Optional 0..1
ChargeBearer	Specifies which party/parties will bear the charges associated with the processing of the payment transaction.	ChargeBearerType1Code - Required 1..1
ChargesInformation	Provides information on the charges related to the payment transaction.	ChargesInformation1 - Unknown 0..0
PreviousInstructingAgent	Agent immediately prior to the instructing agent.	BranchAndFinancialInstitutionIdentification3 - Optional 0..1
PreviousInstructingAgentAccount	Unambiguous identification of the account of the previous instructing agent at its servicing agent in the payment chain.	CashAccount7 - Optional 0..1
InstructingAgent	Agent that instructs the next party in the chain to carry out the (set of) instruction(s).	BranchAndFinancialInstitutionIdentification3 - Optional 0..1
InstructedAgent	Agent that is instructed by the previous party in the chain to carry out the (set of) instruction(s).	BranchAndFinancialInstitutionIdentification3 - Optional 0..1
IntermediaryAgent1	Agent between the debtor agent and creditor agent.
IntermediaryAgent1Account	Unambiguous identification of the account of the intermediary agent 1 at its servicing agent in the payment chain.	CashAccount7 - Optional 0..1
IntermediaryAgent2	Agent between the debtor agent and creditor agent.
IntermediaryAgent2Account	Unambiguous identification of the account of the intermediary agent 2 at its servicing agent in the payment chain.	CashAccount7 - Optional 0..1
IntermediaryAgent3	Agent between the debtor agent and creditor agent.
IntermediaryAgent3Account	Unambiguous identification of the account of the intermediary agent 3 at its servicing agent in the payment chain.	CashAccount7 - Optional 0..1
UltimateDebtor	Ultimate party that owes an amount of money to the (ultimate) creditor.	PartyIdentification8 - Optional 0..1
InitiatingParty	Party that initiates the payment. In the payment context, this can either be the debtor (in a credit transfer), the creditor (in a direct debit), or a party that initiates the payment on behalf of the debtor or creditor.	PartyIdentification8 - Optional 0..1
Debtor	Party that owes an amount of money to the (ultimate) creditor.	PartyIdentification8 - Required 1..1
DebtorAccount	Unambiguous identification of the account of the debtor to which a debit entry will be made as a result of the transaction.	CashAccount7 - Optional 0..1
DebtorAgent	Financial institution servicing an account for the debtor.	BranchAndFinancialInstitutionIdentification3 - Required 1..1
DebtorAgentAccount	Unambiguous identification of the account of the debtor agent at its servicing agent in the payment chain.	CashAccount7 - Optional 0..1
CreditorAgent	Financial institution servicing an account for the creditor.	BranchAndFinancialInstitutionIdentification3 - Required 1..1
CreditorAgentAccount	Unambiguous identification of the account of the creditor agent at its servicing agent to which a credit entry will be made as a result of the payment transaction.	CashAccount7 - Optional 0..1
Creditor	Party to which an amount of money is due.	PartyIdentification8 - Required 1..1
CreditorAccount	Unambiguous identification of the account of the creditor to which a credit entry will be posted as a result of the payment transaction.	CashAccount7 - Optional 0..1
UltimateCreditor	Ultimate party to which an amount of money is due.	PartyIdentification8 - Optional 0..1
InstructionForCreditorAgent	Further information related to the processing of the payment instruction that may need to be acted upon by the creditor agent.
InstructionForNextAgent	Further information related to the processing of the payment instruction that may need to be acted upon by the next agent.
Purpose	Underlying reason for the payment transaction.
RegulatoryReporting	Information needed due to regulatory and statutory requirements.	RegulatoryReporting2 - Collection 0..10
RelatedRemittanceInformation	Information related to the handling of the remittance information by any of the agents in the transaction processing chain.	RemittanceLocation1 - Collection 0..10
RemittanceInformation	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.	RemittanceInformation1 - Optional 0..1

Extensibility and generalization considerations

To facilitate generalized design patterns in the system, the FIToFICustomerCreditTransferV01 implementation follows a specific implementaiton pattern. First of all, FIToFICustomerCreditTransferV01 impleemnts IOuterRecord indicating it is the outermost logical part of the message definition. Like all message wrappers, FIToFICustomerCreditTransferV01Document implements IOuterDocument. Because FIToFICustomerCreditTransferV01 implements IOuterDocument, it is a suitable template parameter for IOuterDocument, and causes the internal ‘Message’ to be of type FIToFICustomerCreditTransferV01.

classDiagram
    class IOuterRecord
    FIToFICustomerCreditTransferV01 --|> IOuterRecord : Implements
    FIToFICustomerCreditTransferV01Document --|> IOuterDocument~FIToFICustomerCreditTransferV01~ : Implements
    class IOuterDocument~FIToFICustomerCreditTransferV01~ {
        FIToFICustomerCreditTransferV01 Message
     }

Document wrapper for serialization

The only real purpose FIToFICustomerCreditTransferV01Document serves is to cause the document to be serialized into the ‘urn:iso:std:iso:20022:tech:xsd:pacs.008.001.01’ namespace. Therefore, it will probably be the usual practice to build the message and construct this wrapper at the last minute using FIToFICustomerCreditTransferV01.ToDocument() method. The returned FIToFICustomerCreditTransferV01Document value will serialize correctly according to ISO 20022 standards.

classDiagram
    FIToFICustomerCreditTransferV01Document *-- FIToFICustomerCreditTransferV01 : Document

Sample of message format

This is an abbreviated version of what the message should look like.

<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pacs.008.001.01">
    <pacs.008.001.01>
        <GrpHdr>
            <!-- GroupHeader inner content -->
        </GrpHdr>
        <CdtTrfTxInf>
            <!-- CreditTransferTransactionInformation inner content -->
        </CdtTrfTxInf>
    </pacs.008.001.01>
</Document>

Data from ISO specification

This is the technical data from the specification document.

<messageDefinition
  xmi:id="_ehb1cNEuEd-BzquC8wXy7w_-1298261091"
  nextVersions="_ehlmftEuEd-BzquC8wXy7w_1416831280"
  name="FIToFICustomerCreditTransferV01"
  definition="Scope&#xD;&#xA;The FinancialInstitutionToFinancialInstitutionCustomerCreditTransfer message is sent by the debtor agent to the creditor agent, directly or through other agents and/or a payment clearing and settlement system. It is used to move funds from a debtor account to a creditor.&#xD;&#xA;Usage&#xD;&#xA;The FIToFICustomerCreditTransfer message is exchanged between agents and can contain one or more customer credit transfer instructions.&#xD;&#xA;The FIToFICustomerCreditTransfer message does not allow for grouping: a CreditTransferTransactionInformation block must be present for each credit transfer transaction.&#xD;&#xA;The FIToFICustomerCreditTransfer message can be used in different ways:&#xD;&#xA;- If the instructing agent and the instructed agent wish to use their direct account relationship in the currency of the transfer then the message contains both the funds for the customer transfer(s) as well as the payment details;&#xD;&#xA;- If the instructing agent and the instructed agent have no direct account relationship in the currency of the transfer, or do not wish to use their account relationship, then other (reimbursement) agents will be involved to cover for the customer transfer(s). The FIToFICustomerCreditTransfer contains only the payment details and the instructing agent must cover the customer transfer by sending a FinancialInstitutionCreditTransfer to a reimbursement agent. This payment method is called the Cover method;&#xD;&#xA;- If more than two financial institutions are involved in the payment chain and if the FIToFICustomerCreditTransfer is sent from one financial institution to the next financial institution in the payment chain, then the payment method is called the Serial method.&#xD;&#xA;The FIToFICustomerCreditTransfer message can be used in domestic and cross-border scenarios.&#xD;&#xA;"
  registrationStatus="Registered"
  messageSet="_urpIICeJEeOCeO5e7islRQ"
  xmlName="pacs.008.001.01"
  xmlTag="pacs.008.001.01"
  rootElement="Document"
  xmlns:xmi="http://www.omg.org/XMI">
  <constraint
    xmi:id="_ehb1c9EuEd-BzquC8wXy7w_-1294567882"
    name="InstructedAgentRule"
    definition="If GroupHeader/InstructedAgent is present, then CreditTransferTransactionInformation/InstructedAgent is not allowed."
    registrationStatus="Provisionally Registered" />
  <constraint
    xmi:id="_ehb1dtEuEd-BzquC8wXy7w_-1294565986"
    name="InstructingAgentRule"
    definition="If GroupHeader/InstructingAgent is present, then CreditTransferTransactionInformation/InstructingAgent is not allowed."
    registrationStatus="Provisionally Registered" />
  <constraint
    xmi:id="_ehb1edEuEd-BzquC8wXy7w_-1296412473"
    name="TotalInterbankSettlementAmount1Rule"
    definition="If GroupHeader/TotalInterbankSettlementAmount is present, then all occurrences of CreditTransferTransactionInformation/InterbankSettlementAmount must have the same currency as the currency of GroupHeader/TotalInterbankSettlementAmount."
    registrationStatus="Provisionally Registered" />
  <constraint
    xmi:id="_ehb1fNEuEd-BzquC8wXy7w_1828519905"
    name="TotalInterbankSettlementAmount2Rule"
    definition="If GroupHeader/TotalInterbankSettlementAmount is present, then it must equal to the sum of all occurrences of CreditTransferTransactionInformation/InterbankSettlementAmount."
    registrationStatus="Provisionally Registered" />
  <constraint
    xmi:id="_ehb1f9EuEd-BzquC8wXy7w_-1295491086"
    name="InterbankSettlementDateRule"
    definition="If GroupHeader/InterbankSettlementDate is present, then CreditTransferTransactionInformation/InterbankSettlementDate is not allowed. &#xA;If GroupHeader/InterbankSettlementDate is not present, then CreditTransferTransactionInformation/InterbankSettlementDate must be present."
    registrationStatus="Provisionally Registered" />
  <constraint
    xmi:id="_ehlmctEuEd-BzquC8wXy7w_1160750713"
    name="PaymentTypeInformationRule"
    definition="If GroupHeader/PaymentTypeInformation is present, then CreditTransferTransactionInformation/PaymentTypeInformation is not allowed."
    registrationStatus="Provisionally Registered" />
  <messageBuildingBlock
    xmi:id="_ehb1cdEuEd-BzquC8wXy7w_-1298259638"
    name="GroupHeader"
    definition="Set of characteristics shared by all individual transactions included in the message."
    registrationStatus="Provisionally Registered"
    maxOccurs="1"
    minOccurs="1"
    xmlTag="GrpHdr"
    complexType="_Pu5m-Np-Ed-ak6NoX_4Aeg_1836538935" />
  <messageBuildingBlock
    xmi:id="_ehb1ctEuEd-BzquC8wXy7w_-1296415574"
    name="CreditTransferTransactionInformation"
    definition="Set of elements providing information specific to the individual credit transfer(s)."
    registrationStatus="Provisionally Registered"
    minOccurs="1"
    xmlTag="CdtTrfTxInf"
    complexType="_PwY0tdp-Ed-ak6NoX_4Aeg_-106374737" />
  <messageDefinitionIdentifier
    businessArea="pacs"
    messageFunctionality="008"
    flavour="001"
    version="01" />
</messageDefinition>

ISO Building Blocks

The following items are used as building blocks to construct this message.