Iso20022

FIToFICustomerCreditTransferV06

pacs.008.001.06

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:

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
%% FIToFICustomerCreditTransferV06 recursion level 0 with max 0
FIToFICustomerCreditTransferV06 *-- "1..1" GroupHeader70 : GroupHeader
FIToFICustomerCreditTransferV06 *-- "1..1" CreditTransferTransaction25 : CreditTransferTransactionInformation
FIToFICustomerCreditTransferV06 *-- "0..1" SupplementaryData1 : SupplementaryData

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
%% GroupHeader70 recursion level 0 with max 1
class GroupHeader70{
    MessageIdentification IsoMax35Text
    CreationDateTime IsoISODateTime
    BatchBooking IsoBatchBookingIndicator
    NumberOfTransactions IsoMax15NumericText
    ControlSum IsoDecimalNumber
    TotalInterbankSettlementAmount IsoActiveCurrencyAndAmount
    InterbankSettlementDate IsoISODate
}
GroupHeader70 *-- "1..1" SettlementInstruction4 : SettlementInformation
GroupHeader70 *-- "0..1" PaymentTypeInformation21 : PaymentTypeInformation
GroupHeader70 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : InstructingAgent
GroupHeader70 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : InstructedAgent
%% SettlementInstruction4 recursion level 1 with max 1
class SettlementInstruction4{
    SettlementMethod SettlementMethod1Code
}
SettlementInstruction4 *-- "0..1" CashAccount24 : SettlementAccount
SettlementInstruction4 *-- "0..1" IClearingSystemIdentification3Choice : ClearingSystem
SettlementInstruction4 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : InstructingReimbursementAgent
SettlementInstruction4 *-- "0..1" CashAccount24 : InstructingReimbursementAgentAccount
SettlementInstruction4 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : InstructedReimbursementAgent
SettlementInstruction4 *-- "0..1" CashAccount24 : InstructedReimbursementAgentAccount
SettlementInstruction4 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : ThirdReimbursementAgent
SettlementInstruction4 *-- "0..1" CashAccount24 : ThirdReimbursementAgentAccount
%% PaymentTypeInformation21 recursion level 1 with max 1
class PaymentTypeInformation21{
    InstructionPriority Priority2Code
    ClearingChannel ClearingChannel2Code
}
PaymentTypeInformation21 *-- "0..1" IServiceLevel8Choice : ServiceLevel
PaymentTypeInformation21 *-- "0..1" ILocalInstrument2Choice : LocalInstrument
PaymentTypeInformation21 *-- "0..1" ICategoryPurpose1Choice : CategoryPurpose
%% BranchAndFinancialInstitutionIdentification5 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification5 *-- "1..1" FinancialInstitutionIdentification8 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification5 *-- "0..1" BranchData2 : BranchIdentification
%% BranchAndFinancialInstitutionIdentification5 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification5 *-- "1..1" FinancialInstitutionIdentification8 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification5 *-- "0..1" BranchData2 : BranchIdentification

GroupHeader70 members

Member name Description Data Type / Multiplicity
MessageIdentification 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.
CreationDateTime Date and time at which the message was created. 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 within the group of a message is requested. Usage: Batch booking is used to request and not order a possible batch booking.
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 moved between the instructing agent and the instructed agent. IsoActiveCurrencyAndAmount - 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. SettlementInstruction4 - Required 1..1
PaymentTypeInformation Set of elements used to further specify the type of transaction. PaymentTypeInformation21 - Optional 0..1
InstructingAgent Agent that instructs the next party in the chain to carry out the (set of) instruction(s). BranchAndFinancialInstitutionIdentification5 - Optional 0..1
InstructedAgent Agent that is instructed by the previous party in the chain to carry out the (set of) instruction(s). BranchAndFinancialInstitutionIdentification5 - Optional 0..1

CreditTransferTransactionInformation building block

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

classDiagram
   direction tb
%% CreditTransferTransaction25 recursion level 0 with max 1
class CreditTransferTransaction25{
    InterbankSettlementAmount IsoActiveCurrencyAndAmount
    InterbankSettlementDate IsoISODate
    SettlementPriority Priority3Code
    AcceptanceDateTime IsoISODateTime
    PoolingAdjustmentDate IsoISODate
    InstructedAmount IsoActiveOrHistoricCurrencyAndAmount
    ExchangeRate IsoBaseOneRate
    ChargeBearer ChargeBearerType1Code
}
CreditTransferTransaction25 *-- "1..1" PaymentIdentification3 : PaymentIdentification
CreditTransferTransaction25 *-- "0..1" PaymentTypeInformation21 : PaymentTypeInformation
CreditTransferTransaction25 *-- "0..1" SettlementDateTimeIndication1 : SettlementTimeIndication
CreditTransferTransaction25 *-- "0..1" SettlementTimeRequest2 : SettlementTimeRequest
CreditTransferTransaction25 *-- "0..0" Charges2 : ChargesInformation
CreditTransferTransaction25 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : PreviousInstructingAgent
CreditTransferTransaction25 *-- "0..1" CashAccount24 : PreviousInstructingAgentAccount
CreditTransferTransaction25 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : InstructingAgent
CreditTransferTransaction25 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : InstructedAgent
CreditTransferTransaction25 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : IntermediaryAgent1
CreditTransferTransaction25 *-- "0..1" CashAccount24 : IntermediaryAgent1Account
CreditTransferTransaction25 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : IntermediaryAgent2
CreditTransferTransaction25 *-- "0..1" CashAccount24 : IntermediaryAgent2Account
CreditTransferTransaction25 *-- "0..1" BranchAndFinancialInstitutionIdentification5 : IntermediaryAgent3
CreditTransferTransaction25 *-- "0..1" CashAccount24 : IntermediaryAgent3Account
CreditTransferTransaction25 *-- "0..1" PartyIdentification43 : UltimateDebtor
CreditTransferTransaction25 *-- "0..1" PartyIdentification43 : InitiatingParty
CreditTransferTransaction25 *-- "1..1" PartyIdentification43 : Debtor
CreditTransferTransaction25 *-- "0..1" CashAccount24 : DebtorAccount
CreditTransferTransaction25 *-- "1..1" BranchAndFinancialInstitutionIdentification5 : DebtorAgent
CreditTransferTransaction25 *-- "0..1" CashAccount24 : DebtorAgentAccount
CreditTransferTransaction25 *-- "1..1" BranchAndFinancialInstitutionIdentification5 : CreditorAgent
CreditTransferTransaction25 *-- "0..1" CashAccount24 : CreditorAgentAccount
CreditTransferTransaction25 *-- "1..1" PartyIdentification43 : Creditor
CreditTransferTransaction25 *-- "0..1" CashAccount24 : CreditorAccount
CreditTransferTransaction25 *-- "0..1" PartyIdentification43 : UltimateCreditor
CreditTransferTransaction25 *-- "0..0" InstructionForCreditorAgent1 : InstructionForCreditorAgent
CreditTransferTransaction25 *-- "0..0" InstructionForNextAgent1 : InstructionForNextAgent
CreditTransferTransaction25 *-- "0..1" IPurpose2Choice : Purpose
CreditTransferTransaction25 *-- "0..10" RegulatoryReporting3 : RegulatoryReporting
CreditTransferTransaction25 *-- "0..1" TaxInformation3 : Tax
CreditTransferTransaction25 *-- "0..10" RemittanceLocation4 : RelatedRemittanceInformation
CreditTransferTransaction25 *-- "0..1" RemittanceInformation11 : RemittanceInformation
CreditTransferTransaction25 *-- "0..0" SupplementaryData1 : SupplementaryData
%% PaymentIdentification3 recursion level 1 with max 1
class PaymentIdentification3{
    InstructionIdentification IsoMax35Text
    EndToEndIdentification IsoMax35Text
    TransactionIdentification IsoMax35Text
    ClearingSystemReference IsoMax35Text
}
%% PaymentTypeInformation21 recursion level 1 with max 1
class PaymentTypeInformation21{
    InstructionPriority Priority2Code
    ClearingChannel ClearingChannel2Code
}
PaymentTypeInformation21 *-- "0..1" IServiceLevel8Choice : ServiceLevel
PaymentTypeInformation21 *-- "0..1" ILocalInstrument2Choice : LocalInstrument
PaymentTypeInformation21 *-- "0..1" ICategoryPurpose1Choice : CategoryPurpose
%% SettlementDateTimeIndication1 recursion level 1 with max 1
class SettlementDateTimeIndication1{
    DebitDateTime IsoISODateTime
    CreditDateTime IsoISODateTime
}
%% SettlementTimeRequest2 recursion level 1 with max 1
class SettlementTimeRequest2{
    CLSTime IsoISOTime
    TillTime IsoISOTime
    FromTime IsoISOTime
    RejectTime IsoISOTime
}
%% Charges2 recursion level 1 with max 1
class Charges2{
    Amount IsoActiveOrHistoricCurrencyAndAmount
}
Charges2 *-- "1..1" BranchAndFinancialInstitutionIdentification5 : Agent
%% BranchAndFinancialInstitutionIdentification5 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification5 *-- "1..1" FinancialInstitutionIdentification8 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification5 *-- "0..1" BranchData2 : BranchIdentification
%% CashAccount24 recursion level 1 with max 1
class CashAccount24{
    Currency ActiveOrHistoricCurrencyCode
    Name IsoMax70Text
}
CashAccount24 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount24 *-- "0..1" ICashAccountType2Choice : Type
%% BranchAndFinancialInstitutionIdentification5 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification5 *-- "1..1" FinancialInstitutionIdentification8 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification5 *-- "0..1" BranchData2 : BranchIdentification
%% BranchAndFinancialInstitutionIdentification5 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification5 *-- "1..1" FinancialInstitutionIdentification8 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification5 *-- "0..1" BranchData2 : BranchIdentification
%% BranchAndFinancialInstitutionIdentification5 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification5 *-- "1..1" FinancialInstitutionIdentification8 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification5 *-- "0..1" BranchData2 : BranchIdentification
%% CashAccount24 recursion level 1 with max 1
class CashAccount24{
    Currency ActiveOrHistoricCurrencyCode
    Name IsoMax70Text
}
CashAccount24 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount24 *-- "0..1" ICashAccountType2Choice : Type
%% BranchAndFinancialInstitutionIdentification5 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification5 *-- "1..1" FinancialInstitutionIdentification8 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification5 *-- "0..1" BranchData2 : BranchIdentification
%% CashAccount24 recursion level 1 with max 1
class CashAccount24{
    Currency ActiveOrHistoricCurrencyCode
    Name IsoMax70Text
}
CashAccount24 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount24 *-- "0..1" ICashAccountType2Choice : Type
%% BranchAndFinancialInstitutionIdentification5 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification5 *-- "1..1" FinancialInstitutionIdentification8 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification5 *-- "0..1" BranchData2 : BranchIdentification
%% CashAccount24 recursion level 1 with max 1
class CashAccount24{
    Currency ActiveOrHistoricCurrencyCode
    Name IsoMax70Text
}
CashAccount24 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount24 *-- "0..1" ICashAccountType2Choice : Type
%% PartyIdentification43 recursion level 1 with max 1
class PartyIdentification43{
    Name IsoMax140Text
    CountryOfResidence CountryCode
}
PartyIdentification43 *-- "0..1" PostalAddress6 : PostalAddress
PartyIdentification43 *-- "0..1" IParty11Choice : Identification
PartyIdentification43 *-- "0..1" ContactDetails2 : ContactDetails
%% PartyIdentification43 recursion level 1 with max 1
class PartyIdentification43{
    Name IsoMax140Text
    CountryOfResidence CountryCode
}
PartyIdentification43 *-- "0..1" PostalAddress6 : PostalAddress
PartyIdentification43 *-- "0..1" IParty11Choice : Identification
PartyIdentification43 *-- "0..1" ContactDetails2 : ContactDetails
%% PartyIdentification43 recursion level 1 with max 1
class PartyIdentification43{
    Name IsoMax140Text
    CountryOfResidence CountryCode
}
PartyIdentification43 *-- "0..1" PostalAddress6 : PostalAddress
PartyIdentification43 *-- "0..1" IParty11Choice : Identification
PartyIdentification43 *-- "0..1" ContactDetails2 : ContactDetails
%% CashAccount24 recursion level 1 with max 1
class CashAccount24{
    Currency ActiveOrHistoricCurrencyCode
    Name IsoMax70Text
}
CashAccount24 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount24 *-- "0..1" ICashAccountType2Choice : Type
%% BranchAndFinancialInstitutionIdentification5 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification5 *-- "1..1" FinancialInstitutionIdentification8 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification5 *-- "0..1" BranchData2 : BranchIdentification
%% CashAccount24 recursion level 1 with max 1
class CashAccount24{
    Currency ActiveOrHistoricCurrencyCode
    Name IsoMax70Text
}
CashAccount24 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount24 *-- "0..1" ICashAccountType2Choice : Type
%% BranchAndFinancialInstitutionIdentification5 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification5 *-- "1..1" FinancialInstitutionIdentification8 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification5 *-- "0..1" BranchData2 : BranchIdentification
%% CashAccount24 recursion level 1 with max 1
class CashAccount24{
    Currency ActiveOrHistoricCurrencyCode
    Name IsoMax70Text
}
CashAccount24 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount24 *-- "0..1" ICashAccountType2Choice : Type
%% PartyIdentification43 recursion level 1 with max 1
class PartyIdentification43{
    Name IsoMax140Text
    CountryOfResidence CountryCode
}
PartyIdentification43 *-- "0..1" PostalAddress6 : PostalAddress
PartyIdentification43 *-- "0..1" IParty11Choice : Identification
PartyIdentification43 *-- "0..1" ContactDetails2 : ContactDetails
%% CashAccount24 recursion level 1 with max 1
class CashAccount24{
    Currency ActiveOrHistoricCurrencyCode
    Name IsoMax70Text
}
CashAccount24 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount24 *-- "0..1" ICashAccountType2Choice : Type
%% PartyIdentification43 recursion level 1 with max 1
class PartyIdentification43{
    Name IsoMax140Text
    CountryOfResidence CountryCode
}
PartyIdentification43 *-- "0..1" PostalAddress6 : PostalAddress
PartyIdentification43 *-- "0..1" IParty11Choice : Identification
PartyIdentification43 *-- "0..1" ContactDetails2 : ContactDetails
%% 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
}
%% IPurpose2Choice recursion level 1 with max 1
%% RegulatoryReporting3 recursion level 1 with max 1
class RegulatoryReporting3{
    DebitCreditReportingIndicator RegulatoryReportingType1Code
}
RegulatoryReporting3 *-- "0..1" RegulatoryAuthority2 : Authority
RegulatoryReporting3 *-- "0..0" StructuredRegulatoryReporting3 : Details
%% TaxInformation3 recursion level 1 with max 1
class TaxInformation3{
    AdministrationZone IsoMax35Text
    ReferenceNumber IsoMax140Text
    Method IsoMax35Text
    TotalTaxableBaseAmount IsoActiveOrHistoricCurrencyAndAmount
    TotalTaxAmount IsoActiveOrHistoricCurrencyAndAmount
    Date IsoISODate
    SequenceNumber IsoNumber
}
TaxInformation3 *-- "0..1" TaxParty1 : Creditor
TaxInformation3 *-- "0..1" TaxParty2 : Debtor
TaxInformation3 *-- "0..0" TaxRecord1 : Record
%% RemittanceLocation4 recursion level 1 with max 1
class RemittanceLocation4{
    RemittanceIdentification IsoMax35Text
}
RemittanceLocation4 *-- "0..0" RemittanceLocationDetails1 : RemittanceLocationDetails
%% RemittanceInformation11 recursion level 1 with max 1
class RemittanceInformation11{
    Unstructured IsoMax140Text
}
RemittanceInformation11 *-- "0..0" StructuredRemittanceInformation13 : Structured
%% SupplementaryData1 recursion level 1 with max 1
class SupplementaryData1{
    PlaceAndName IsoMax350Text
}
SupplementaryData1 *-- "1..1" IsoSupplementaryDataEnvelope1 : Envelope

CreditTransferTransaction25 members

Member name Description Data Type / Multiplicity
PaymentIdentification Set of elements used to reference a payment instruction. PaymentIdentification3 - Required 1..1
PaymentTypeInformation Set of elements used to further specify the type of transaction. PaymentTypeInformation21 - Optional 0..1
InterbankSettlementAmount Amount of money moved between the instructing agent and the instructed agent. IsoActiveCurrencyAndAmount - 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
SettlementPriority Indicator of the urgency or order of importance that the instructing party would like the instructed party to apply to the processing of the settlement instruction. Priority3Code - 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(s) of the payment instruction. SettlementTimeRequest2 - Optional 0..1
AcceptanceDateTime Point in time when the payment order from the initiating party meets the processing conditions of the account servicing agent. This means that the account servicing agent has received the payment order and has applied checks such as 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. Usage: This amount has to be transported unchanged through the transaction chain. IsoActiveOrHistoricCurrencyAndAmount - Optional 0..1
ExchangeRate Factor used to convert an amount from one currency into 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 to be paid by the charge bearer(s) related to the payment transaction. Charges2 - Unknown 0..0
PreviousInstructingAgent Agent immediately prior to the instructing agent. BranchAndFinancialInstitutionIdentification5 - Optional 0..1
PreviousInstructingAgentAccount Unambiguous identification of the account of the previous instructing agent at its servicing agent in the payment chain. CashAccount24 - Optional 0..1
InstructingAgent Agent that instructs the next party in the chain to carry out the (set of) instruction(s). BranchAndFinancialInstitutionIdentification5 - Optional 0..1
InstructedAgent Agent that is instructed by the previous party in the chain to carry out the (set of) instruction(s). BranchAndFinancialInstitutionIdentification5 - Optional 0..1
IntermediaryAgent1 Agent between the debtor’s agent and the creditor’s agent.
IntermediaryAgent1Account Unambiguous identification of the account of the intermediary agent 1 at its servicing agent in the payment chain. CashAccount24 - Optional 0..1
IntermediaryAgent2 Agent between the debtor’s agent and the creditor’s agent.
IntermediaryAgent2Account Unambiguous identification of the account of the intermediary agent 2 at its servicing agent in the payment chain. CashAccount24 - Optional 0..1
IntermediaryAgent3 Agent between the debtor’s agent and the creditor’s agent.
IntermediaryAgent3Account Unambiguous identification of the account of the intermediary agent 3 at its servicing agent in the payment chain. CashAccount24 - Optional 0..1
UltimateDebtor Ultimate party that owes an amount of money to the (ultimate) creditor. PartyIdentification43 - Optional 0..1
InitiatingParty Party that initiates the payment. Usage: This can be either the debtor or a party that initiates the credit transfer on behalf of the debtor.
Debtor Party that owes an amount of money to the (ultimate) creditor. PartyIdentification43 - 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. CashAccount24 - Optional 0..1
DebtorAgent Financial institution servicing an account for the debtor. BranchAndFinancialInstitutionIdentification5 - Required 1..1
DebtorAgentAccount Unambiguous identification of the account of the debtor agent at its servicing agent in the payment chain. CashAccount24 - Optional 0..1
CreditorAgent Financial institution servicing an account for the creditor. BranchAndFinancialInstitutionIdentification5 - 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. CashAccount24 - Optional 0..1
Creditor Party to which an amount of money is due. PartyIdentification43 - 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. CashAccount24 - Optional 0..1
UltimateCreditor Ultimate party to which an amount of money is due. PartyIdentification43 - Optional 0..1
InstructionForCreditorAgent Further information related to the processing of the payment instruction, provided by the initiating party, and intended for the creditor agent. InstructionForCreditorAgent1 - Unknown 0..0
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. 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.
RegulatoryReporting Information needed due to regulatory and statutory requirements. RegulatoryReporting3 - Collection 0..10
Tax Provides details on the tax. TaxInformation3 - Optional 0..1
RelatedRemittanceInformation Provides information related to the handling of the remittance information by any of the agents in the transaction processing chain. RemittanceLocation4 - 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. RemittanceInformation11 - Optional 0..1
SupplementaryData Additional information that cannot be captured in the structured elements and/or any other specific block. SupplementaryData1 - Unknown 0..0

SupplementaryData building block

Additional information that cannot be captured in the structured elements and/or any other specific block. Additional information that can not be captured in the structured fields and/or any other specific block. For comparison, see the ISO20022 official specification

classDiagram
   direction tb
%% SupplementaryData1 recursion level 0 with max 1
class SupplementaryData1{
    PlaceAndName IsoMax350Text
}
SupplementaryData1 *-- "1..1" IsoSupplementaryDataEnvelope1 : Envelope
%% IsoSupplementaryDataEnvelope1 recursion level 1 with max 1

SupplementaryData1 members

Member name Description Data Type / Multiplicity
PlaceAndName Unambiguous reference to the location where the supplementary data must be inserted in the message instance. In the case of XML, this is expressed by a valid XPath. IsoMax350Text - Optional 0..1
Envelope Technical element wrapping the supplementary data. IsoSupplementaryDataEnvelope1 - Required 1..1

Extensibility and generalization considerations

To facilitate generalized design patterns in the system, the FIToFICustomerCreditTransferV06 implementation follows a specific implementaiton pattern. First of all, FIToFICustomerCreditTransferV06 impleemnts IOuterRecord indicating it is the outermost logical part of the message definition. Like all message wrappers, FIToFICustomerCreditTransferV06Document implements IOuterDocument. Because FIToFICustomerCreditTransferV06 implements IOuterDocument, it is a suitable template parameter for IOuterDocument, and causes the internal ‘Message’ to be of type FIToFICustomerCreditTransferV06.

classDiagram
    class IOuterRecord
    FIToFICustomerCreditTransferV06 --|> IOuterRecord : Implements
    FIToFICustomerCreditTransferV06Document --|> IOuterDocument~FIToFICustomerCreditTransferV06~ : Implements
    class IOuterDocument~FIToFICustomerCreditTransferV06~ {
        FIToFICustomerCreditTransferV06 Message
     }

Document wrapper for serialization

The only real purpose FIToFICustomerCreditTransferV06Document serves is to cause the document to be serialized into the ‘urn:iso:std:iso:20022:tech:xsd:pacs.008.001.06’ namespace. Therefore, it will probably be the usual practice to build the message and construct this wrapper at the last minute using FIToFICustomerCreditTransferV06.ToDocument() method. The returned FIToFICustomerCreditTransferV06Document value will serialize correctly according to ISO 20022 standards.

classDiagram
    FIToFICustomerCreditTransferV06Document *-- FIToFICustomerCreditTransferV06 : 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.008.001.06">
    <FIToFICstmrCdtTrf>
        <GrpHdr>
            <!-- GroupHeader inner content -->
        </GrpHdr>
        <CdtTrfTxInf>
            <!-- CreditTransferTransactionInformation inner content -->
        </CdtTrfTxInf>
        <SplmtryData>
            <!-- SupplementaryData inner content -->
        </SplmtryData>
    </FIToFICstmrCdtTrf>
</Document>

Data from ISO specification

This is the technical data from the specification document.

<messageDefinition
  xmi:id="_akmeRTqxEeWZFYSPlduMhw"
  nextVersions="_37D7EWYLEeaFd-H7jvMAPA"
  previousVersion="_fTgL0RPeEeSVo-TFVwFHvA"
  name="FIToFICustomerCreditTransferV06"
  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."
  registrationStatus="Registered"
  messageSet="_urpIICeJEeOCeO5e7islRQ"
  xmlTag="FIToFICstmrCdtTrf"
  rootElement="Document"
  xmlns:xmi="http://www.omg.org/XMI">
  <constraint
    xmi:id="_akmeRzqxEeWZFYSPlduMhw"
    nextVersions="_37D7E2YLEeaFd-H7jvMAPA"
    previousVersion="_fTgL0xPeEeSVo-TFVwFHvA"
    name="InstructedAgentRule"
    definition="If GroupHeader/InstructedAgent is present, then CreditTransferTransactionInformation/InstructedAgent is not allowed."
    registrationStatus="Provisionally Registered"
    expression="&lt;RuleDefinition xmlns:xsi=&quot;http://www.w3.org/2001/XMLSchema-instance&quot;&gt;&lt;ComplexRule xsi:type=&quot;ComplexRule&quot;&gt;&lt;mustBe&gt;&lt;connector&gt;AND&lt;/connector&gt;&lt;BooleanRule xsi:type=&quot;Absence&quot;&gt;&lt;leftOperand&gt;/CreditTransferTransactionInformation[*]/InstructedAgent&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;/mustBe&gt;&lt;onCondition&gt;&lt;connector&gt;AND&lt;/connector&gt;&lt;BooleanRule xsi:type=&quot;Presence&quot;&gt;&lt;leftOperand&gt;/GroupHeader/InstructedAgent&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;/onCondition&gt;&lt;/ComplexRule&gt;&lt;/RuleDefinition&gt;&#xA;" />
  <constraint
    xmi:id="_akmeSTqxEeWZFYSPlduMhw"
    nextVersions="_37D7FWYLEeaFd-H7jvMAPA"
    previousVersion="_fTgL1RPeEeSVo-TFVwFHvA"
    name="InstructingAgentRule"
    definition="If GroupHeader/InstructingAgent is present, then CreditTransferTransactionInformation/InstructingAgent is not allowed."
    registrationStatus="Provisionally Registered"
    expression="&lt;RuleDefinition xmlns:xsi=&quot;http://www.w3.org/2001/XMLSchema-instance&quot;&gt;&lt;ComplexRule xsi:type=&quot;ComplexRule&quot;&gt;&lt;mustBe&gt;&lt;connector&gt;AND&lt;/connector&gt;&lt;BooleanRule xsi:type=&quot;Absence&quot;&gt;&lt;leftOperand&gt;/CreditTransferTransactionInformation[*]/InstructingAgent&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;/mustBe&gt;&lt;onCondition&gt;&lt;connector&gt;AND&lt;/connector&gt;&lt;BooleanRule xsi:type=&quot;Presence&quot;&gt;&lt;leftOperand&gt;/GroupHeader/InstructingAgent&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;/onCondition&gt;&lt;/ComplexRule&gt;&lt;/RuleDefinition&gt;&#xA;" />
  <constraint
    xmi:id="_akmeSzqxEeWZFYSPlduMhw"
    nextVersions="_37D7F2YLEeaFd-H7jvMAPA"
    previousVersion="_fTgL1xPeEeSVo-TFVwFHvA"
    name="TotalInterbankSettlementAmountRule"
    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"
    expression="&lt;RuleDefinition xmlns:xsi=&quot;http://www.w3.org/2001/XMLSchema-instance&quot;&gt;&lt;ComplexRule xsi:type=&quot;ComplexRule&quot;&gt;&lt;mustBe&gt;&lt;connector&gt;AND&lt;/connector&gt;&lt;BooleanRule xsi:type=&quot;EqualToNode&quot;&gt;&lt;leftOperand&gt;/CreditTransferTransactionInformation[*]/InterbankSettlementAmount/@Currency&lt;/leftOperand&gt;&lt;rightOperand&gt;/GroupHeader/TotalInterbankSettlementAmount/@Currency&lt;/rightOperand&gt;&lt;/BooleanRule&gt;&lt;/mustBe&gt;&lt;onCondition&gt;&lt;connector&gt;AND&lt;/connector&gt;&lt;BooleanRule xsi:type=&quot;Presence&quot;&gt;&lt;leftOperand&gt;/GroupHeader/TotalInterbankSettlementAmount&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;/onCondition&gt;&lt;/ComplexRule&gt;&lt;/RuleDefinition&gt;&#xA;" />
  <constraint
    xmi:id="_akmeTTqxEeWZFYSPlduMhw"
    nextVersions="_37D7GWYLEeaFd-H7jvMAPA"
    previousVersion="_fTgL2RPeEeSVo-TFVwFHvA"
    name="TotalInterbankSettlementAmountAndSumRule"
    definition="If GroupHeader/TotalInterbankSettlementAmount is present, then it must equal the sum of all occurrences of CreditTransferTransactionInformation/InterbankSettlementAmount."
    registrationStatus="Provisionally Registered"
    expression="&lt;RuleDefinition xmlns:xsi=&quot;http://www.w3.org/2001/XMLSchema-instance&quot;&gt;&lt;ComplexRule xsi:type=&quot;ComplexRule&quot;&gt;&lt;mustBe&gt;&lt;connector&gt;AND&lt;/connector&gt;&lt;BooleanRule xsi:type=&quot;EqualToValue&quot;&gt;&lt;leftOperand&gt;/GroupHeader/TotalInterbankSettlementAmount&lt;/leftOperand&gt;&lt;rightOperand&gt;sum of /CreditTransferTransactionInformation/InterbankSettlementAmount&lt;/rightOperand&gt;&lt;/BooleanRule&gt;&lt;/mustBe&gt;&lt;onCondition&gt;&lt;connector&gt;AND&lt;/connector&gt;&lt;BooleanRule xsi:type=&quot;Presence&quot;&gt;&lt;leftOperand&gt;/GroupHeader/TotalInterbankSettlementAmount&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;/onCondition&gt;&lt;/ComplexRule&gt;&lt;/RuleDefinition&gt;&#xA;" />
  <constraint
    xmi:id="_akmeTzqxEeWZFYSPlduMhw"
    nextVersions="_37D7G2YLEeaFd-H7jvMAPA"
    previousVersion="_fTgL2xPeEeSVo-TFVwFHvA"
    name="GroupHeaderInterbankSettlementDateRule"
    definition="If GroupHeader/InterbankSettlementDate is present, then CreditTransferTransactionInformation/InterbankSettlementDate is not allowed."
    registrationStatus="Provisionally Registered"
    expression="&lt;RuleDefinition xmlns:xsi=&quot;http://www.w3.org/2001/XMLSchema-instance&quot;&gt;&lt;ComplexRule xsi:type=&quot;ComplexRule&quot;&gt;&lt;mustBe&gt;&lt;connector&gt;AND&lt;/connector&gt;&lt;BooleanRule xsi:type=&quot;Absence&quot;&gt;&lt;leftOperand&gt;/CreditTransferTransactionInformation[*]/InterbankSettlementDate&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;/mustBe&gt;&lt;onCondition&gt;&lt;connector&gt;AND&lt;/connector&gt;&lt;BooleanRule xsi:type=&quot;Presence&quot;&gt;&lt;leftOperand&gt;/GroupHeader/InterbankSettlementDate&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;/onCondition&gt;&lt;/ComplexRule&gt;&lt;/RuleDefinition&gt;&#xA;" />
  <constraint
    xmi:id="_akmeUTqxEeWZFYSPlduMhw"
    nextVersions="_37D7HWYLEeaFd-H7jvMAPA"
    previousVersion="_fTgL3RPeEeSVo-TFVwFHvA"
    name="TransactionInterbankSettlementDateRule"
    definition="If GroupHeader/InterbankSettlementDate is not present, then CreditTransferTransactionInformation/InterbankSettlementDate must be present."
    registrationStatus="Provisionally Registered"
    expression="&lt;RuleDefinition xmlns:xsi=&quot;http://www.w3.org/2001/XMLSchema-instance&quot;&gt;&lt;ComplexRule xsi:type=&quot;ComplexRule&quot;&gt;&lt;mustBe&gt;&lt;connector&gt;AND&lt;/connector&gt;&lt;BooleanRule xsi:type=&quot;Presence&quot;&gt;&lt;leftOperand&gt;/CreditTransferTransactionInformation[*]/InterbankSettlementDate&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;/mustBe&gt;&lt;onCondition&gt;&lt;connector&gt;AND&lt;/connector&gt;&lt;BooleanRule xsi:type=&quot;Absence&quot;&gt;&lt;leftOperand&gt;/GroupHeader/InterbankSettlementDate&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;/onCondition&gt;&lt;/ComplexRule&gt;&lt;/RuleDefinition&gt;&#xA;" />
  <constraint
    xmi:id="_akmeUzqxEeWZFYSPlduMhw"
    nextVersions="_37D7H2YLEeaFd-H7jvMAPA"
    previousVersion="_fTgL3xPeEeSVo-TFVwFHvA"
    name="PaymentTypeInformationRule"
    definition="If GroupHeader/PaymentTypeInformation is present, then CreditTransferTransactionInformation/PaymentTypeInformation is not allowed."
    registrationStatus="Provisionally Registered"
    expression="&lt;RuleDefinition xmlns:xsi=&quot;http://www.w3.org/2001/XMLSchema-instance&quot;&gt;&lt;ComplexRule xsi:type=&quot;ComplexRule&quot;&gt;&lt;mustBe&gt;&lt;connector&gt;AND&lt;/connector&gt;&lt;BooleanRule xsi:type=&quot;Absence&quot;&gt;&lt;leftOperand&gt;/CreditTransferTransactionInformation[*]/PaymentTypeInformation&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;/mustBe&gt;&lt;onCondition&gt;&lt;connector&gt;AND&lt;/connector&gt;&lt;BooleanRule xsi:type=&quot;Presence&quot;&gt;&lt;leftOperand&gt;/GroupHeader/PaymentTypeInformation&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;/onCondition&gt;&lt;/ComplexRule&gt;&lt;/RuleDefinition&gt;&#xA;" />
  <constraint
    xmi:id="_akmeVTqxEeWZFYSPlduMhw"
    nextVersions="_37D7IWYLEeaFd-H7jvMAPA"
    previousVersion="_fTgL4RPeEeSVo-TFVwFHvA"
    name="NumberOfTransactionsAndCreditTransfersRule"
    definition="GroupHeader/NumberOfTransactions must equal the number of occurrences of CreditTransferTransactionInformation."
    registrationStatus="Provisionally Registered"
    expression="&lt;RuleDefinition xmlns:xsi=&quot;http://www.w3.org/2001/XMLSchema-instance&quot;&gt;&lt;SimpleRule xsi:type=&quot;SimpleRule&quot;&gt;&lt;mustBe&gt;&lt;connector&gt;AND&lt;/connector&gt;&lt;BooleanRule xsi:type=&quot;EqualToValue&quot;&gt;&lt;leftOperand&gt;/GroupHeader/NumberOfTransactions&lt;/leftOperand&gt;&lt;rightOperand&gt;number of occurrences of CreditTransferTransactionInformation&lt;/rightOperand&gt;&lt;/BooleanRule&gt;&lt;/mustBe&gt;&lt;/SimpleRule&gt;&lt;/RuleDefinition&gt;&#xA;" />
  <constraint
    xmi:id="_akmeVzqxEeWZFYSPlduMhw"
    nextVersions="_37D7I2YLEeaFd-H7jvMAPA"
    previousVersion="_fTgL4xPeEeSVo-TFVwFHvA"
    name="SupplementaryDataRule"
    definition="The SupplementaryData building block at message level must not be used to provide additional information about a transaction. The SupplementaryData element at transaction level should be used for that purpose."
    registrationStatus="Provisionally Registered" />
  <messageBuildingBlock
    xmi:id="_akmeWTqxEeWZFYSPlduMhw"
    nextVersions="_37D7JWYLEeaFd-H7jvMAPA"
    previousVersion="_fTgL5RPeEeSVo-TFVwFHvA"
    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="_jSZswTq3EeWZFYSPlduMhw" />
  <messageBuildingBlock
    xmi:id="_akmeWzqxEeWZFYSPlduMhw"
    nextVersions="_37D7J2YLEeaFd-H7jvMAPA"
    previousVersion="_fTgL5xPeEeSVo-TFVwFHvA"
    name="CreditTransferTransactionInformation"
    definition="Set of elements providing information specific to the individual credit transfer(s)."
    registrationStatus="Provisionally Registered"
    minOccurs="1"
    xmlTag="CdtTrfTxInf"
    complexType="_2fvO7Tq4EeWZFYSPlduMhw" />
  <messageBuildingBlock
    xmi:id="_akmeXTqxEeWZFYSPlduMhw"
    nextVersions="_37D7KWYLEeaFd-H7jvMAPA"
    previousVersion="_fTgL6RPeEeSVo-TFVwFHvA"
    name="SupplementaryData"
    definition="Additional information that cannot be captured in the structured elements and/or any other specific block."
    registrationStatus="Provisionally Registered"
    minOccurs="0"
    xmlTag="SplmtryData"
    complexType="_Qn0zC9p-Ed-ak6NoX_4Aeg_468227563" />
  <messageDefinitionIdentifier
    businessArea="pacs"
    messageFunctionality="008"
    flavour="001"
    version="06" />
</messageDefinition>

ISO Building Blocks

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