pacs.003.001.02
Scope The FinancialInstitutionToFinancialInstitutionCustomerDirectDebit message is sent by the creditor agent to the debtor agent, directly or through other agents and/or a payment clearing and settlement system. It is used to collect funds from a debtor account for a creditor. Usage The FItoFICustomerDirectDebit message can contain one or more customer direct debit instructions. The FIToFICustomerDirectDebit message does not allow for grouping: the PaymentInformation block must be present once per occurrence of a DirectDebitTransactionInformation block. The FItoFICustomerDirectDebit message may or may not contain mandate related information, i.e. extracts from a mandate, such as the MandateIdentification or DateOfSignature. The FIToFICustomerDirectDebit message must not be considered as a mandate. The FItoFICustomerDirectDebit 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
%% FIToFICustomerDirectDebitV02 recursion level 0 with max 0
FIToFICustomerDirectDebitV02 *-- "1..1" GroupHeader34 : GroupHeader
FIToFICustomerDirectDebitV02 *-- "1..1" DirectDebitTransactionInformation10 : DirectDebitTransactionInformation
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
%% GroupHeader34 recursion level 0 with max 1
class GroupHeader34{
MessageIdentification IsoMax35Text
CreationDateTime IsoISODateTime
BatchBooking IsoBatchBookingIndicator
NumberOfTransactions IsoMax15NumericText
ControlSum IsoDecimalNumber
TotalInterbankSettlementAmount IsoActiveCurrencyAndAmount
InterbankSettlementDate IsoISODate
}
GroupHeader34 *-- "0..2" IAuthorisation1Choice : Authorisation
GroupHeader34 *-- "1..1" SettlementInformation14 : SettlementInformation
GroupHeader34 *-- "0..1" PaymentTypeInformation22 : PaymentTypeInformation
GroupHeader34 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : InstructingAgent
GroupHeader34 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : InstructedAgent
%% IAuthorisation1Choice recursion level 1 with max 1
%% SettlementInformation14 recursion level 1 with max 1
class SettlementInformation14{
SettlementMethod SettlementMethod2Code
}
SettlementInformation14 *-- "0..1" CashAccount16 : SettlementAccount
SettlementInformation14 *-- "0..1" IClearingSystemIdentification3Choice : ClearingSystem
%% PaymentTypeInformation22 recursion level 1 with max 1
class PaymentTypeInformation22{
InstructionPriority Priority2Code
ClearingChannel ClearingChannel2Code
SequenceType SequenceType1Code
}
PaymentTypeInformation22 *-- "0..1" IServiceLevel8Choice : ServiceLevel
PaymentTypeInformation22 *-- "0..1" ILocalInstrument2Choice : LocalInstrument
PaymentTypeInformation22 *-- "0..1" ICategoryPurpose1Choice : CategoryPurpose
%% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification
%% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification
GroupHeader34 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 |
| Authorisation | User identification or any user key to be used to check whether the initiating party is allowed to initiate transactions from the account specified in the message. | |
| 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. | SettlementInformation14 - Required 1..1 |
| PaymentTypeInformation | Set of elements used to further specify the type of transaction. | PaymentTypeInformation22 - Optional 0..1 |
| InstructingAgent | Agent that instructs the next party in the chain to carry out the (set of) instruction(s). | BranchAndFinancialInstitutionIdentification4 - Optional 0..1 |
| InstructedAgent | Agent that is instructed by the previous party in the chain to carry out the (set of) instruction(s). | BranchAndFinancialInstitutionIdentification4 - Optional 0..1 |
DirectDebitTransactionInformation building block
Set of elements providing information specific to the individual direct debit(s). Set of elements used to provide information specific to the individual direct debit transaction(s) included in the message. For comparison, see the ISO20022 official specification
classDiagram
direction tb
%% DirectDebitTransactionInformation10 recursion level 0 with max 1
class DirectDebitTransactionInformation10{
InterbankSettlementAmount IsoActiveCurrencyAndAmount
InterbankSettlementDate IsoISODate
InstructedAmount IsoActiveOrHistoricCurrencyAndAmount
ExchangeRate IsoBaseOneRate
ChargeBearer ChargeBearerType1Code
RequestedCollectionDate IsoISODate
}
DirectDebitTransactionInformation10 *-- "1..1" PaymentIdentification3 : PaymentIdentification
DirectDebitTransactionInformation10 *-- "0..1" PaymentTypeInformation22 : PaymentTypeInformation
DirectDebitTransactionInformation10 *-- "0..0" ChargesInformation5 : ChargesInformation
DirectDebitTransactionInformation10 *-- "0..1" DirectDebitTransaction6 : DirectDebitTransaction
DirectDebitTransactionInformation10 *-- "1..1" PartyIdentification32 : Creditor
DirectDebitTransactionInformation10 *-- "0..1" CashAccount16 : CreditorAccount
DirectDebitTransactionInformation10 *-- "1..1" BranchAndFinancialInstitutionIdentification4 : CreditorAgent
DirectDebitTransactionInformation10 *-- "0..1" CashAccount16 : CreditorAgentAccount
DirectDebitTransactionInformation10 *-- "0..1" PartyIdentification32 : UltimateCreditor
DirectDebitTransactionInformation10 *-- "0..1" PartyIdentification32 : InitiatingParty
DirectDebitTransactionInformation10 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : InstructingAgent
DirectDebitTransactionInformation10 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : InstructedAgent
DirectDebitTransactionInformation10 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : IntermediaryAgent1
DirectDebitTransactionInformation10 *-- "0..1" CashAccount16 : IntermediaryAgent1Account
DirectDebitTransactionInformation10 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : IntermediaryAgent2
DirectDebitTransactionInformation10 *-- "0..1" CashAccount16 : IntermediaryAgent2Account
DirectDebitTransactionInformation10 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : IntermediaryAgent3
DirectDebitTransactionInformation10 *-- "0..1" CashAccount16 : IntermediaryAgent3Account
DirectDebitTransactionInformation10 *-- "1..1" PartyIdentification32 : Debtor
DirectDebitTransactionInformation10 *-- "1..1" CashAccount16 : DebtorAccount
DirectDebitTransactionInformation10 *-- "1..1" BranchAndFinancialInstitutionIdentification4 : DebtorAgent
DirectDebitTransactionInformation10 *-- "0..1" CashAccount16 : DebtorAgentAccount
DirectDebitTransactionInformation10 *-- "0..1" PartyIdentification32 : UltimateDebtor
DirectDebitTransactionInformation10 *-- "0..1" IPurpose2Choice : Purpose
DirectDebitTransactionInformation10 *-- "0..10" RegulatoryReporting3 : RegulatoryReporting
DirectDebitTransactionInformation10 *-- "0..10" RemittanceLocation2 : RelatedRemittanceInformation
DirectDebitTransactionInformation10 *-- "0..1" RemittanceInformation5 : RemittanceInformation
%% PaymentIdentification3 recursion level 1 with max 1
class PaymentIdentification3{
InstructionIdentification IsoMax35Text
EndToEndIdentification IsoMax35Text
TransactionIdentification IsoMax35Text
ClearingSystemReference IsoMax35Text
}
%% PaymentTypeInformation22 recursion level 1 with max 1
class PaymentTypeInformation22{
InstructionPriority Priority2Code
ClearingChannel ClearingChannel2Code
SequenceType SequenceType1Code
}
PaymentTypeInformation22 *-- "0..1" IServiceLevel8Choice : ServiceLevel
PaymentTypeInformation22 *-- "0..1" ILocalInstrument2Choice : LocalInstrument
PaymentTypeInformation22 *-- "0..1" ICategoryPurpose1Choice : CategoryPurpose
%% ChargesInformation5 recursion level 1 with max 1
class ChargesInformation5{
Amount IsoActiveOrHistoricCurrencyAndAmount
}
ChargesInformation5 *-- "1..1" BranchAndFinancialInstitutionIdentification4 : Party
%% DirectDebitTransaction6 recursion level 1 with max 1
class DirectDebitTransaction6{
PreNotificationIdentification IsoMax35Text
PreNotificationDate IsoISODate
}
DirectDebitTransaction6 *-- "0..1" MandateRelatedInformation6 : MandateRelatedInformation
DirectDebitTransaction6 *-- "0..1" PartyIdentification32 : CreditorSchemeIdentification
%% PartyIdentification32 recursion level 1 with max 1
class PartyIdentification32{
Name IsoMax140Text
CountryOfResidence CountryCode
}
PartyIdentification32 *-- "0..1" PostalAddress6 : PostalAddress
PartyIdentification32 *-- "0..1" IParty6Choice : Identification
PartyIdentification32 *-- "0..1" ContactDetails2 : ContactDetails
%% CashAccount16 recursion level 1 with max 1
class CashAccount16{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount16 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount16 *-- "0..1" CashAccountType2 : Type
%% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification
%% CashAccount16 recursion level 1 with max 1
class CashAccount16{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount16 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount16 *-- "0..1" CashAccountType2 : Type
%% PartyIdentification32 recursion level 1 with max 1
class PartyIdentification32{
Name IsoMax140Text
CountryOfResidence CountryCode
}
PartyIdentification32 *-- "0..1" PostalAddress6 : PostalAddress
PartyIdentification32 *-- "0..1" IParty6Choice : Identification
PartyIdentification32 *-- "0..1" ContactDetails2 : ContactDetails
%% PartyIdentification32 recursion level 1 with max 1
class PartyIdentification32{
Name IsoMax140Text
CountryOfResidence CountryCode
}
PartyIdentification32 *-- "0..1" PostalAddress6 : PostalAddress
PartyIdentification32 *-- "0..1" IParty6Choice : Identification
PartyIdentification32 *-- "0..1" ContactDetails2 : ContactDetails
%% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification
%% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification
%% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification
%% CashAccount16 recursion level 1 with max 1
class CashAccount16{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount16 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount16 *-- "0..1" CashAccountType2 : Type
%% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification
%% CashAccount16 recursion level 1 with max 1
class CashAccount16{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount16 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount16 *-- "0..1" CashAccountType2 : Type
%% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification
%% CashAccount16 recursion level 1 with max 1
class CashAccount16{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount16 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount16 *-- "0..1" CashAccountType2 : Type
%% PartyIdentification32 recursion level 1 with max 1
class PartyIdentification32{
Name IsoMax140Text
CountryOfResidence CountryCode
}
PartyIdentification32 *-- "0..1" PostalAddress6 : PostalAddress
PartyIdentification32 *-- "0..1" IParty6Choice : Identification
PartyIdentification32 *-- "0..1" ContactDetails2 : ContactDetails
%% CashAccount16 recursion level 1 with max 1
class CashAccount16{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount16 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount16 *-- "0..1" CashAccountType2 : Type
%% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification
%% CashAccount16 recursion level 1 with max 1
class CashAccount16{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount16 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount16 *-- "0..1" CashAccountType2 : Type
%% PartyIdentification32 recursion level 1 with max 1
class PartyIdentification32{
Name IsoMax140Text
CountryOfResidence CountryCode
}
PartyIdentification32 *-- "0..1" PostalAddress6 : PostalAddress
PartyIdentification32 *-- "0..1" IParty6Choice : Identification
PartyIdentification32 *-- "0..1" ContactDetails2 : ContactDetails
%% 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
%% RemittanceLocation2 recursion level 1 with max 1
class RemittanceLocation2{
RemittanceIdentification IsoMax35Text
RemittanceLocationMethod RemittanceLocationMethod2Code
RemittanceLocationElectronicAddress IsoMax2048Text
}
RemittanceLocation2 *-- "0..1" NameAndAddress10 : RemittanceLocationPostalAddress
%% RemittanceInformation5 recursion level 1 with max 1
class RemittanceInformation5{
Unstructured IsoMax140Text
}
RemittanceInformation5 *-- "0..0" StructuredRemittanceInformation7 : Structured
DirectDebitTransactionInformation10 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. | PaymentTypeInformation22 - 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 |
| 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. | 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. | ChargesInformation5 - Unknown 0..0 |
| RequestedCollectionDate | Date and time at which the creditor requests that the amount of money is to be collected from the debtor. | IsoISODate - Optional 0..1 |
| DirectDebitTransaction | Set of elements providing information specific to the direct debit mandate. | DirectDebitTransaction6 - Optional 0..1 |
| Creditor | Party to which an amount of money is due. | PartyIdentification32 - 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. | CashAccount16 - Optional 0..1 |
| CreditorAgent | Financial institution servicing an account for the creditor. | BranchAndFinancialInstitutionIdentification4 - 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. | CashAccount16 - Optional 0..1 |
| UltimateCreditor | Ultimate party to which an amount of money is due. | PartyIdentification32 - Optional 0..1 |
| InitiatingParty | Party that initiates the payment. | Usage: This can be either the creditor or a party that initiates the direct debit on behalf of the creditor. |
| InstructingAgent | Agent that instructs the next party in the chain to carry out the (set of) instruction(s). | BranchAndFinancialInstitutionIdentification4 - Optional 0..1 |
| InstructedAgent | Agent that is instructed by the previous party in the chain to carry out the (set of) instruction(s). | BranchAndFinancialInstitutionIdentification4 - 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. | CashAccount16 - 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. | CashAccount16 - 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. | CashAccount16 - Optional 0..1 |
| Debtor | Party that owes an amount of money to the (ultimate) creditor. | PartyIdentification32 - 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. | CashAccount16 - Required 1..1 |
| DebtorAgent | Financial institution servicing an account for the debtor. | BranchAndFinancialInstitutionIdentification4 - Required 1..1 |
| DebtorAgentAccount | Unambiguous identification of the account of the debtor agent at its servicing agent in the payment chain. | CashAccount16 - Optional 0..1 |
| UltimateDebtor | Ultimate party that owes an amount of money to the (ultimate) creditor. | PartyIdentification32 - Optional 0..1 |
| 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 |
| RelatedRemittanceInformation | Set of elements used to provide information related to the handling of the remittance information by any of the agents in the transaction processing chain. | RemittanceLocation2 - 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. | RemittanceInformation5 - Optional 0..1 |
Extensibility and generalization considerations
To facilitate generalized design patterns in the system, the FIToFICustomerDirectDebitV02 implementation follows a specific implementaiton pattern. First of all, FIToFICustomerDirectDebitV02 impleemnts IOuterRecord indicating it is the outermost logical part of the message definition. Like all message wrappers, FIToFICustomerDirectDebitV02Document implements IOuterDocument. Because FIToFICustomerDirectDebitV02 implements IOuterDocument, it is a suitable template parameter for IOuterDocument, and causes the internal ‘Message’ to be of type FIToFICustomerDirectDebitV02.
classDiagram
class IOuterRecord
FIToFICustomerDirectDebitV02 --|> IOuterRecord : Implements
FIToFICustomerDirectDebitV02Document --|> IOuterDocument~FIToFICustomerDirectDebitV02~ : Implements
class IOuterDocument~FIToFICustomerDirectDebitV02~ {
FIToFICustomerDirectDebitV02 Message
}
Document wrapper for serialization
The only real purpose FIToFICustomerDirectDebitV02Document serves is to cause the document to be serialized into the ‘urn:iso:std:iso:20022:tech:xsd:pacs.003.001.02’ namespace. Therefore, it will probably be the usual practice to build the message and construct this wrapper at the last minute using FIToFICustomerDirectDebitV02.ToDocument() method. The returned FIToFICustomerDirectDebitV02Document value will serialize correctly according to ISO 20022 standards.
classDiagram
FIToFICustomerDirectDebitV02Document *-- FIToFICustomerDirectDebitV02 : 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.003.001.02">
<FIToFICstmrDrctDbt>
<GrpHdr>
<!-- GroupHeader inner content -->
</GrpHdr>
<DrctDbtTxInf>
<!-- DirectDebitTransactionInformation inner content -->
</DrctDbtTxInf>
</FIToFICstmrDrctDbt>
</Document>
Data from ISO specification
This is the technical data from the specification document.
<messageDefinition
xmi:id="_ejXvKNEuEd-BzquC8wXy7w_-725407286"
nextVersions="_sFjsAFkyEeGeoaLUQk__nA_-835726399"
previousVersion="_ejE0QdEuEd-BzquC8wXy7w_677726026"
name="FIToFICustomerDirectDebitV02"
definition="Scope
The FinancialInstitutionToFinancialInstitutionCustomerDirectDebit message is sent by the creditor agent to the debtor agent, directly or through other agents and/or a payment clearing and settlement system.
It is used to collect funds from a debtor account for a creditor.
Usage
The FItoFICustomerDirectDebit message can contain one or more customer direct debit instructions.
The FIToFICustomerDirectDebit message does not allow for grouping: the PaymentInformation block must be present once per occurrence of a DirectDebitTransactionInformation block.
The FItoFICustomerDirectDebit message may or may not contain mandate related information, i.e. extracts from a mandate, such as the MandateIdentification or DateOfSignature. The FIToFICustomerDirectDebit message must not be considered as a mandate.
The FItoFICustomerDirectDebit message can be used in domestic and cross-border scenarios."
registrationStatus="Registered"
messageSet="_urpIICeJEeOCeO5e7islRQ"
xmlTag="FIToFICstmrDrctDbt"
rootElement="Document"
xmlns:xmi="http://www.omg.org/XMI">
<constraint
xmi:id="_ejXvK9EuEd-BzquC8wXy7w_-725406922"
name="InstructedAgentRule"
definition="If GroupHeader/InstructedAgent is present, then DirectDebitTransactionInformation/InstructedAgent is not allowed."
registrationStatus="Provisionally Registered"
expression="<RuleDefinition xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><ComplexRule xsi:type="ComplexRule"><mustBe><connector>AND</connector><BooleanRule xsi:type="Absence"><leftOperand>/DirectDebitTransactionInformation[*]/InstructedAgent</leftOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/InstructedAgent</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_ejXvLtEuEd-BzquC8wXy7w_-725406891"
name="InstructingAgentRule"
definition="If GroupHeader/InstructingAgent is present, then DirectDebitTransactionInformation/InstructingAgent is not allowed."
registrationStatus="Provisionally Registered"
expression="<RuleDefinition xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><ComplexRule xsi:type="ComplexRule"><mustBe><connector>AND</connector><BooleanRule xsi:type="Absence"><leftOperand>/DirectDebitTransactionInformation[*]/InstructingAgent</leftOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/InstructingAgent</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_ejXvMdEuEd-BzquC8wXy7w_-725406861"
name="TotalInterbankSettlementAmountRule"
definition="If GroupHeader/TotalInterbankSettlementAmount is present, then all occurrences of DirectDebitTransactionInformation/InterbankSettlementAmount must have the same currency as the currency of GroupHeader/TotalInterbankSettlementAmount."
registrationStatus="Provisionally Registered"
expression="<RuleDefinition xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><ComplexRule xsi:type="ComplexRule"><mustBe><connector>AND</connector><BooleanRule xsi:type="EqualToNode"><leftOperand>/DirectDebitTransactionInformation[*]/InterbankSettlementAmount/@Currency</leftOperand><rightOperand>/GroupHeader/TotalInterbankSettlementAmount/@Currency</rightOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/TotalInterbankSettlementAmount</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_ejhgItEuEd-BzquC8wXy7w_-725406830"
name="TotalInterbankSettlementAmountAndSumRule"
definition="If GroupHeader/TotalInterbankSettlementAmount is present, then it must equal the sum of all occurrences of DirectDebitTransactionInformation/InterbankSettlementAmount."
registrationStatus="Provisionally Registered"
expression="<RuleDefinition xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><ComplexRule xsi:type="ComplexRule"><mustBe><connector>AND</connector><BooleanRule xsi:type="EqualToValue"><leftOperand>/GroupHeader/TotalInterbankSettlementAmount</leftOperand><rightOperand>sum of /DirectDebitTransactionInformation/InterbankSettlementAmount</rightOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/TotalInterbankSettlementAmount</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_ejhgJdEuEd-BzquC8wXy7w_-725406821"
name="GroupHeaderInterbankSettlementDateRule"
definition="If GroupHeader/InterbankSettlementDate is present, then DirectDebitTransactionInformation/InterbankSettlementDate is not allowed."
registrationStatus="Provisionally Registered"
expression="<RuleDefinition xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><ComplexRule xsi:type="ComplexRule"><mustBe><connector>AND</connector><BooleanRule xsi:type="Absence"><leftOperand>/DirectDebitTransactionInformation[*]/InterbankSettlementDate</leftOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/InterbankSettlementDate</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_ejhgKNEuEd-BzquC8wXy7w_1145494584"
name="TransactionInterbankSettlementDateRule"
definition="If GroupHeader/InterbankSettlementDate is not present, then DirectDebitTransactionInformation/InterbankSettlementDate must be present."
registrationStatus="Provisionally Registered"
expression="<RuleDefinition xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><ComplexRule xsi:type="ComplexRule"><mustBe><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/DirectDebitTransactionInformation[*]/InterbankSettlementDate</leftOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Absence"><leftOperand>/GroupHeader/InterbankSettlementDate</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_ejhgK9EuEd-BzquC8wXy7w_-725406799"
name="PaymentTypeInformationRule"
definition="If GroupHeader/PaymentTypeInformation is present, then DirectDebitTransactionInformation/PaymentTypeInformation is not allowed."
registrationStatus="Provisionally Registered"
expression="<RuleDefinition xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><ComplexRule xsi:type="ComplexRule"><mustBe><connector>AND</connector><BooleanRule xsi:type="Absence"><leftOperand>/DirectDebitTransactionInformation[*]/PaymentTypeInformation</leftOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/PaymentTypeInformation</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<messageBuildingBlock
xmi:id="_ejXvKdEuEd-BzquC8wXy7w_-725407283"
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="_P0tUCdp-Ed-ak6NoX_4Aeg_1899367216" />
<messageBuildingBlock
xmi:id="_ejXvKtEuEd-BzquC8wXy7w_-725407223"
name="DirectDebitTransactionInformation"
definition="Set of elements providing information specific to the individual direct debit(s)."
registrationStatus="Provisionally Registered"
minOccurs="1"
xmlTag="DrctDbtTxInf"
complexType="_P4b9eNp-Ed-ak6NoX_4Aeg_1928918849" />
<messageDefinitionIdentifier
businessArea="pacs"
messageFunctionality="003"
flavour="001"
version="02" />
</messageDefinition>
ISO Building Blocks
The following items are used as building blocks to construct this message.