PaymentReturnV10

pacs.004.001.10

Scope The PaymentReturn message is sent by an agent to the previous agent in the payment chain to undo a payment previously settled. Usage The PaymentReturn message is exchanged between agents to return funds after settlement of credit transfer instructions (that is FIToFICustomerCreditTransfer message and FinancialInstitutionCreditTransfer message) or direct debit instructions (FIToFICustomerDirectDebit message). The PaymentReturn message should not be used between agents and non-financial institution customers. Non-financial institution customers will be informed about a debit or a credit on their account(s) through a BankToCustomerDebitCreditNotification message (’notification’) and/or BankToCustomerAccountReport/BankToCustomerStatement message (‘statement’). The PaymentReturn message can be used to return single instructions or multiple instructions from one or different files. The PaymentReturn message can be used in domestic and cross-border scenarios. The PaymentReturn message refers to the original instruction(s) by means of references only or by means of references and a set of elements from the original instruction.

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
%% PaymentReturnV10 recursion level 0 with max 0
PaymentReturnV10 *-- "1..1" GroupHeader90 : GroupHeader
PaymentReturnV10 *-- "0..1" OriginalGroupHeader18 : OriginalGroupInformation
PaymentReturnV10 *-- "0..1" PaymentTransaction118 : TransactionInformation
PaymentReturnV10 *-- "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
%% GroupHeader90 recursion level 0 with max 1
class GroupHeader90{
    MessageIdentification IsoMax35Text
    CreationDateTime IsoISODateTime
    BatchBooking IsoBatchBookingIndicator
    NumberOfTransactions IsoMax15NumericText
    ControlSum IsoDecimalNumber
    GroupReturn IsoTrueFalseIndicator
    TotalReturnedInterbankSettlementAmount IsoActiveCurrencyAndAmount
    InterbankSettlementDate IsoISODate
}
GroupHeader90 *-- "0..2" IAuthorisation1Choice : Authorisation
GroupHeader90 *-- "1..1" SettlementInstruction7 : SettlementInformation
GroupHeader90 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : InstructingAgent
GroupHeader90 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : InstructedAgent
%% IAuthorisation1Choice recursion level 1 with max 1
%% SettlementInstruction7 recursion level 1 with max 1
class SettlementInstruction7{
    SettlementMethod SettlementMethod1Code
}
SettlementInstruction7 *-- "0..1" CashAccount38 : SettlementAccount
SettlementInstruction7 *-- "0..1" IClearingSystemIdentification3Choice : ClearingSystem
SettlementInstruction7 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : InstructingReimbursementAgent
SettlementInstruction7 *-- "0..1" CashAccount38 : InstructingReimbursementAgentAccount
SettlementInstruction7 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : InstructedReimbursementAgent
SettlementInstruction7 *-- "0..1" CashAccount38 : InstructedReimbursementAgentAccount
SettlementInstruction7 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : ThirdReimbursementAgent
SettlementInstruction7 *-- "0..1" CashAccount38 : ThirdReimbursementAgentAccount
%% BranchAndFinancialInstitutionIdentification6 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification6 *-- "1..1" FinancialInstitutionIdentification18 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification6 *-- "0..1" BranchData3 : BranchIdentification
%% BranchAndFinancialInstitutionIdentification6 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification6 *-- "1..1" FinancialInstitutionIdentification18 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification6 *-- "0..1" BranchData3 : BranchIdentification
  

GroupHeader90 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
GroupReturn Indicates whether the return applies to the whole group of transactions or to individual transactions within the original group(s). IsoTrueFalseIndicator - Optional 0..1
TotalReturnedInterbankSettlementAmount Total amount of money moved between the instructing agent and the instructed agent in the return message. 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. SettlementInstruction7 - Required 1..1
InstructingAgent Agent that instructs the next party in the chain to carry out the (set of) instruction(s). Usage: The instructing agent is the party sending the return message and not the party that sent the original instruction that is being returned.
InstructedAgent Agent that is instructed by the previous party in the chain to carry out the (set of) instruction(s). Usage: The instructed agent is the party receiving the return message and not the party that received the original instruction that is being returned.

OriginalGroupInformation building block

Information concerning the original group of transactions, to which the message refers. Provides information on the original group, to which the message refers. For comparison, see the ISO20022 official specification

classDiagram
   direction tb
%% OriginalGroupHeader18 recursion level 0 with max 1
class OriginalGroupHeader18{
    OriginalMessageIdentification IsoMax35Text
    OriginalMessageNameIdentification IsoMax35Text
    OriginalCreationDateTime IsoISODateTime
}
OriginalGroupHeader18 *-- "0..0" PaymentReturnReason6 : ReturnReasonInformation
%% PaymentReturnReason6 recursion level 1 with max 1
class PaymentReturnReason6{
    AdditionalInformation IsoMax105Text
}
PaymentReturnReason6 *-- "0..1" PartyIdentification135 : Originator
PaymentReturnReason6 *-- "0..1" IReturnReason5Choice : Reason
  

OriginalGroupHeader18 members

Member name Description Data Type / Multiplicity
OriginalMessageIdentification Point to point reference, as assigned by the original instructing party, to unambiguously identify the original message. IsoMax35Text - Required 1..1
OriginalMessageNameIdentification Specifies the original message name identifier to which the message refers. IsoMax35Text - Required 1..1
OriginalCreationDateTime Date and time at which the original message was created. IsoISODateTime - Optional 0..1
ReturnReasonInformation Provides detailed information on the return reason. PaymentReturnReason6 - Unknown 0..0

TransactionInformation building block

Information concerning the original transactions, to which the return message refers. Provides further details on the reference and status on the original transactions, included in the original instruction, to which the return message applies. For comparison, see the ISO20022 official specification

classDiagram
   direction tb
%% PaymentTransaction118 recursion level 0 with max 1
class PaymentTransaction118{
    ReturnIdentification IsoMax35Text
    OriginalInstructionIdentification IsoMax35Text
    OriginalEndToEndIdentification IsoMax35Text
    OriginalTransactionIdentification IsoMax35Text
    OriginalUETR IsoUUIDv4Identifier
    OriginalClearingSystemReference IsoMax35Text
    OriginalInterbankSettlementAmount IsoActiveOrHistoricCurrencyAndAmount
    OriginalInterbankSettlementDate IsoISODate
    ReturnedInterbankSettlementAmount IsoActiveCurrencyAndAmount
    InterbankSettlementDate IsoISODate
    SettlementPriority Priority3Code
    ReturnedInstructedAmount IsoActiveOrHistoricCurrencyAndAmount
    ExchangeRate IsoBaseOneRate
    CompensationAmount IsoActiveOrHistoricCurrencyAndAmount
    ChargeBearer ChargeBearerType1Code
    ClearingSystemReference IsoMax35Text
}
PaymentTransaction118 *-- "0..1" OriginalGroupInformation29 : OriginalGroupInformation
PaymentTransaction118 *-- "0..1" SettlementDateTimeIndication1 : SettlementTimeIndication
PaymentTransaction118 *-- "0..0" Charges7 : ChargesInformation
PaymentTransaction118 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : InstructingAgent
PaymentTransaction118 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : InstructedAgent
PaymentTransaction118 *-- "0..1" TransactionParties8 : ReturnChain
PaymentTransaction118 *-- "0..0" PaymentReturnReason6 : ReturnReasonInformation
PaymentTransaction118 *-- "0..1" OriginalTransactionReference32 : OriginalTransactionReference
PaymentTransaction118 *-- "0..0" SupplementaryData1 : SupplementaryData
%% OriginalGroupInformation29 recursion level 1 with max 1
class OriginalGroupInformation29{
    OriginalMessageIdentification IsoMax35Text
    OriginalMessageNameIdentification IsoMax35Text
    OriginalCreationDateTime IsoISODateTime
}
%% SettlementDateTimeIndication1 recursion level 1 with max 1
class SettlementDateTimeIndication1{
    DebitDateTime IsoISODateTime
    CreditDateTime IsoISODateTime
}
%% Charges7 recursion level 1 with max 1
class Charges7{
    Amount IsoActiveOrHistoricCurrencyAndAmount
}
Charges7 *-- "1..1" BranchAndFinancialInstitutionIdentification6 : Agent
%% BranchAndFinancialInstitutionIdentification6 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification6 *-- "1..1" FinancialInstitutionIdentification18 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification6 *-- "0..1" BranchData3 : BranchIdentification
%% BranchAndFinancialInstitutionIdentification6 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification6 *-- "1..1" FinancialInstitutionIdentification18 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification6 *-- "0..1" BranchData3 : BranchIdentification
%% TransactionParties8 recursion level 1 with max 1
TransactionParties8 *-- "0..1" IParty40Choice : UltimateDebtor
TransactionParties8 *-- "1..1" IParty40Choice : Debtor
TransactionParties8 *-- "0..1" CashAccount38 : DebtorAccount
TransactionParties8 *-- "0..1" IParty40Choice : InitiatingParty
TransactionParties8 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : DebtorAgent
TransactionParties8 *-- "0..1" CashAccount38 : DebtorAgentAccount
TransactionParties8 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : PreviousInstructingAgent1
TransactionParties8 *-- "0..1" CashAccount38 : PreviousInstructingAgent1Account
TransactionParties8 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : PreviousInstructingAgent2
TransactionParties8 *-- "0..1" CashAccount38 : PreviousInstructingAgent2Account
TransactionParties8 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : PreviousInstructingAgent3
TransactionParties8 *-- "0..1" CashAccount38 : PreviousInstructingAgent3Account
TransactionParties8 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : IntermediaryAgent1
TransactionParties8 *-- "0..1" CashAccount38 : IntermediaryAgent1Account
TransactionParties8 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : IntermediaryAgent2
TransactionParties8 *-- "0..1" CashAccount38 : IntermediaryAgent2Account
TransactionParties8 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : IntermediaryAgent3
TransactionParties8 *-- "0..1" CashAccount38 : IntermediaryAgent3Account
TransactionParties8 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : CreditorAgent
TransactionParties8 *-- "0..1" CashAccount38 : CreditorAgentAccount
TransactionParties8 *-- "1..1" IParty40Choice : Creditor
TransactionParties8 *-- "0..1" CashAccount38 : CreditorAccount
TransactionParties8 *-- "0..1" IParty40Choice : UltimateCreditor
%% PaymentReturnReason6 recursion level 1 with max 1
class PaymentReturnReason6{
    AdditionalInformation IsoMax105Text
}
PaymentReturnReason6 *-- "0..1" PartyIdentification135 : Originator
PaymentReturnReason6 *-- "0..1" IReturnReason5Choice : Reason
%% OriginalTransactionReference32 recursion level 1 with max 1
class OriginalTransactionReference32{
    InterbankSettlementAmount IsoActiveOrHistoricCurrencyAndAmount
    InterbankSettlementDate IsoISODate
    RequestedCollectionDate IsoISODate
    PaymentMethod PaymentMethod4Code
}
OriginalTransactionReference32 *-- "0..1" IAmountType4Choice : Amount
OriginalTransactionReference32 *-- "0..1" IDateAndDateTime2Choice : RequestedExecutionDate
OriginalTransactionReference32 *-- "0..1" PartyIdentification135 : CreditorSchemeIdentification
OriginalTransactionReference32 *-- "0..1" SettlementInstruction7 : SettlementInformation
OriginalTransactionReference32 *-- "0..1" PaymentTypeInformation27 : PaymentTypeInformation
OriginalTransactionReference32 *-- "0..1" IMandateRelatedData1Choice : MandateRelatedInformation
OriginalTransactionReference32 *-- "0..1" RemittanceInformation16 : RemittanceInformation
OriginalTransactionReference32 *-- "0..1" IParty40Choice : UltimateDebtor
OriginalTransactionReference32 *-- "0..1" IParty40Choice : Debtor
OriginalTransactionReference32 *-- "0..1" CashAccount38 : DebtorAccount
OriginalTransactionReference32 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : DebtorAgent
OriginalTransactionReference32 *-- "0..1" CashAccount38 : DebtorAgentAccount
OriginalTransactionReference32 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : CreditorAgent
OriginalTransactionReference32 *-- "0..1" CashAccount38 : CreditorAgentAccount
OriginalTransactionReference32 *-- "0..1" IParty40Choice : Creditor
OriginalTransactionReference32 *-- "0..1" CashAccount38 : CreditorAccount
OriginalTransactionReference32 *-- "0..1" IParty40Choice : UltimateCreditor
OriginalTransactionReference32 *-- "0..1" IPurpose2Choice : Purpose
OriginalTransactionReference32 *-- "0..1" CreditTransferTransaction45 : UnderlyingCustomerCreditTransfer
%% SupplementaryData1 recursion level 1 with max 1
class SupplementaryData1{
    PlaceAndName IsoMax350Text
}
SupplementaryData1 *-- "1..1" IsoSupplementaryDataEnvelope1 : Envelope
  

PaymentTransaction118 members

Member name Description Data Type / Multiplicity
ReturnIdentification Unique identification, as assigned by an instructing party for an instructed party, to unambiguously identify the returned transaction. Usage: The instructing party is the party sending the return message and not the party that sent the original instruction that is being returned.
OriginalGroupInformation Provides information on the original message. OriginalGroupInformation29 - Optional 0..1
OriginalInstructionIdentification Unique identification, as assigned by the original instructing party for the original instructed party, to unambiguously identify the original instruction. IsoMax35Text - Optional 0..1
OriginalEndToEndIdentification Unique identification, as assigned by the original initiating party, to unambiguously identify the original transaction. IsoMax35Text - Optional 0..1
OriginalTransactionIdentification Unique identification, as assigned by the original first instructing agent, to unambiguously identify the transaction. IsoMax35Text - Optional 0..1
OriginalUETR Universally unique identifier to provide the original end-to-end reference of a payment transaction. IsoUUIDv4Identifier - Optional 0..1
OriginalClearingSystemReference Unique reference, as assigned by the original clearing system, to unambiguously identify the original instruction. IsoMax35Text - Optional 0..1
OriginalInterbankSettlementAmount Amount of money moved between the instructing agent and the instructed agent, as provided in the original instruction. IsoActiveOrHistoricCurrencyAndAmount - Optional 0..1
OriginalInterbankSettlementDate 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. Usage: the OriginalInterbankSettlementDate is the interbank settlement date of the original instruction return message, and not of the return message. IsoISODate - Optional 0..1
ReturnedInterbankSettlementAmount Amount of money to be moved between the instructing agent and the instructed agent in the returned instruction. 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.
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. Usage: the SettlementPriority is the settlement priority of the return message, and not of the original instruction. Priority3Code - Optional 0..1
SettlementTimeIndication Provides information on the occurred settlement time(s) of the payment transaction. SettlementDateTimeIndication1 - Optional 0..1
ReturnedInstructedAmount Amount of money to be moved between the debtor and the creditor, before deduction of charges, in the returned transaction. 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
CompensationAmount Amount of money asked or paid as compensation for the processing of the instruction. IsoActiveOrHistoricCurrencyAndAmount - Optional 0..1
ChargeBearer Specifies which party/parties will bear the charges associated with the processing of the payment transaction.
ChargesInformation Provides information on the charges to be paid by the charge bearer(s) related to the processing of the return transaction. Charges7 - Unknown 0..0
ClearingSystemReference Unique reference, as assigned by the clearing system, to unambiguously identify the return instruction. IsoMax35Text - Optional 0..1
InstructingAgent Agent that instructs the next party in the chain to carry out the (set of) instruction(s).
InstructedAgent Agent that is instructed by the previous party in the chain to carry out the (set of) instruction(s).
ReturnChain Provides all parties (agents and non-agents) involved in a return transaction. TransactionParties8 - Optional 0..1
ReturnReasonInformation Provides detailed information on the return reason. PaymentReturnReason6 - Unknown 0..0
OriginalTransactionReference Key elements used to identify the original transaction that is being referred to. OriginalTransactionReference32 - 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 PaymentReturnV10 implementation follows a specific implementaiton pattern. First of all, PaymentReturnV10 impleemnts IOuterRecord indicating it is the outermost logical part of the message definition. Like all message wrappers, PaymentReturnV10Document implements IOuterDocument. Because PaymentReturnV10 implements IOuterDocument, it is a suitable template parameter for IOuterDocument, and causes the internal ‘Message’ to be of type PaymentReturnV10.

classDiagram
    class IOuterRecord
    PaymentReturnV10 --|> IOuterRecord : Implements
    PaymentReturnV10Document --|> IOuterDocument~PaymentReturnV10~ : Implements
    class IOuterDocument~PaymentReturnV10~ {
        PaymentReturnV10 Message
     }
  

Document wrapper for serialization

The only real purpose PaymentReturnV10Document serves is to cause the document to be serialized into the ‘urn:iso:std:iso:20022:tech:xsd:pacs.004.001.10’ namespace. Therefore, it will probably be the usual practice to build the message and construct this wrapper at the last minute using PaymentReturnV10.ToDocument() method. The returned PaymentReturnV10Document value will serialize correctly according to ISO 20022 standards.

classDiagram
    PaymentReturnV10Document *-- PaymentReturnV10 : 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.004.001.10">
    <PmtRtr>
        <GrpHdr>
            <!-- GroupHeader inner content -->
        </GrpHdr>
        <OrgnlGrpInf>
            <!-- OriginalGroupInformation inner content -->
        </OrgnlGrpInf>
        <TxInf>
            <!-- TransactionInformation inner content -->
        </TxInf>
        <SplmtryData>
            <!-- SupplementaryData inner content -->
        </SplmtryData>
    </PmtRtr>
</Document>

Data from ISO specification

This is the technical data from the specification document.

<messageDefinition
  xmi:id="_LwDQO8P_Eemsic1bQcEtLA"
  nextVersions="_jMZaEdcBEeq_l4BJLVUF2Q"
  previousVersion="_x0JZFXL4EeidQ_AAdEzxQA"
  name="PaymentReturnV10"
  definition="Scope&#xD;&#xA;The PaymentReturn message is sent by an agent to the previous agent in the payment chain to undo a payment previously settled.&#xD;&#xA;Usage&#xD;&#xA;The PaymentReturn message is exchanged between agents to return funds after settlement of credit transfer instructions (that is FIToFICustomerCreditTransfer message and FinancialInstitutionCreditTransfer message) or direct debit instructions (FIToFICustomerDirectDebit message).&#xD;&#xA;The PaymentReturn message should not be used between agents and non-financial institution customers. Non-financial institution customers will be informed about a debit or a credit on their account(s) through a BankToCustomerDebitCreditNotification message ('notification') and/or BankToCustomerAccountReport/BankToCustomerStatement message ('statement').&#xD;&#xA;The PaymentReturn message can be used to return single instructions or multiple instructions from one or different files.&#xD;&#xA;The PaymentReturn message can be used in domestic and cross-border scenarios.&#xD;&#xA;The PaymentReturn message refers to the original instruction(s) by means of references only or by means of references and a set of elements from the original instruction."
  registrationStatus="Registered"
  messageSet="_urpIICeJEeOCeO5e7islRQ"
  xmlTag="PmtRtr"
  rootElement="Document"
  xmlns:xmi="http://www.omg.org/XMI">
  <constraint
    xmi:id="_LwDQPcP_Eemsic1bQcEtLA"
    nextVersions="_jMZaE9cBEeq_l4BJLVUF2Q"
    previousVersion="_x0JZF3L4EeidQ_AAdEzxQA"
    name="InstructedAgentRule"
    definition="If GroupHeader/InstructedAgent is present, then TransactionInformation/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;/TransactionInformation[*]/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="_LwDQP8P_Eemsic1bQcEtLA"
    nextVersions="_jMZaFdcBEeq_l4BJLVUF2Q"
    previousVersion="_x0JZGXL4EeidQ_AAdEzxQA"
    name="InstructingAgentRule"
    definition="If GroupHeader/InstructingAgent is present, then TransactionInformation/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;/TransactionInformation[*]/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="_LwDQQcP_Eemsic1bQcEtLA"
    nextVersions="_jMZaF9cBEeq_l4BJLVUF2Q"
    previousVersion="_x0JZG3L4EeidQ_AAdEzxQA"
    name="GroupReturnAndNumberOfTransactionsRule"
    definition="If GroupHeader/GroupReturn is false, then GroupHeader/NumberOfTransactions must equal the number of occurrences of TransactionInformation."
    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/NumberOfTransactions&lt;/leftOperand&gt;&lt;rightOperand&gt;Number Occurrences TransactionInformation&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/GroupReturn&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;BooleanRule xsi:type=&quot;EqualToValue&quot;&gt;&lt;leftOperand&gt;/GroupHeader/GroupReturn&lt;/leftOperand&gt;&lt;rightOperand&gt;false&lt;/rightOperand&gt;&lt;/BooleanRule&gt;&lt;/onCondition&gt;&lt;/ComplexRule&gt;&lt;/RuleDefinition&gt;&#xA;" />
  <constraint
    xmi:id="_LwDQQ8P_Eemsic1bQcEtLA"
    nextVersions="_jMZaGdcBEeq_l4BJLVUF2Q"
    previousVersion="_x0JZHXL4EeidQ_AAdEzxQA"
    name="GroupReturnAndReturnReasonRule"
    definition="If GroupHeader/GroupReturn is true, then OriginalGroupInformation/ReturnReasonInformation/ReturnReason 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;/OriginalGroupInformation/ReturnReasonInformation[*]/Reason&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/GroupReturn&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;BooleanRule xsi:type=&quot;EqualToValue&quot;&gt;&lt;leftOperand&gt;/GroupHeader/GroupReturn&lt;/leftOperand&gt;&lt;rightOperand&gt;true&lt;/rightOperand&gt;&lt;/BooleanRule&gt;&lt;BooleanRule xsi:type=&quot;Presence&quot;&gt;&lt;leftOperand&gt;/OriginalGroupInformation/ReturnReasonInformation[*]/AdditionalInformation[1]&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;/onCondition&gt;&lt;/ComplexRule&gt;&lt;/RuleDefinition&gt;&#xA;" />
  <constraint
    xmi:id="_LwDQRcP_Eemsic1bQcEtLA"
    nextVersions="_jMZaG9cBEeq_l4BJLVUF2Q"
    previousVersion="_x0JZH3L4EeidQ_AAdEzxQA"
    name="TotalReturnedInterbankSettlementAmountRule"
    definition="If GroupHeader/TotalReturnedInterbankSettlementAmount is present, then all occurrences of TransactionInformation/ReturnedInterbankSettlementAmount must have the same currency as the currency of GroupHeader/TotalReturnedInterbankSettlementAmount."
    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;/TransactionInformation[*]/ReturnedInterbankSettlementAmount/@Currency&lt;/leftOperand&gt;&lt;rightOperand&gt;/GroupHeader/TotalReturnedInterbankSettlementAmount/@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/TotalReturnedInterbankSettlementAmount&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;BooleanRule xsi:type=&quot;Presence&quot;&gt;&lt;leftOperand&gt;/TransactionInformation[1]&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;BooleanRule xsi:type=&quot;Presence&quot;&gt;&lt;leftOperand&gt;/TransactionInformation[*]/ReturnedInterbankSettlementAmount&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;/onCondition&gt;&lt;/ComplexRule&gt;&lt;/RuleDefinition&gt;&#xA;" />
  <constraint
    xmi:id="_LwDQR8P_Eemsic1bQcEtLA"
    nextVersions="_jMZaHdcBEeq_l4BJLVUF2Q"
    previousVersion="_x0JZIXL4EeidQ_AAdEzxQA"
    name="TotalReturnedInterbankSettlementAmountAndSumRule"
    definition="GroupHeader/TotalReturnedInterbankSettlementAmount must equal the sum of all occurrences of TransactionInformation/ReturnedInterbankSettlementAmount when 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;EqualToValue&quot;&gt;&lt;leftOperand&gt;/GroupHeader/TotalReturnedInterbankSettlementAmount&lt;/leftOperand&gt;&lt;rightOperand&gt;sum of TransactionInformation/ReturnedInterbankSttlementAmount&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/TotalReturnedInterbankSettlementAmount&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;/onCondition&gt;&lt;/ComplexRule&gt;&lt;/RuleDefinition&gt;&#xA;" />
  <constraint
    xmi:id="_LwDQScP_Eemsic1bQcEtLA"
    nextVersions="_jMZaH9cBEeq_l4BJLVUF2Q"
    previousVersion="_x0JZI3L4EeidQ_AAdEzxQA"
    name="OriginalGroupInformationRule"
    definition="If OriginalGroupInformation is present, then TransactionInformation/OriginalGroupInformation 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;/TransactionInformation[*]/OriginalGroupInformation&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;/OriginalGroupInformation&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;/onCondition&gt;&lt;/ComplexRule&gt;&lt;/RuleDefinition&gt;&#xA;" />
  <constraint
    xmi:id="_LwDQS8P_Eemsic1bQcEtLA"
    nextVersions="_jMZaIdcBEeq_l4BJLVUF2Q"
    previousVersion="_x0JZJXL4EeidQ_AAdEzxQA"
    name="NoCoverSettlementMethodRule"
    definition="GroupHeader/SettlementInformation/SettlementMethod must be different from COVE (Cover) when returning direct debit transactions."
    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;DifferentFromValue&quot;&gt;&lt;leftOperand&gt;substring(/OriginalGroupInformation/OriginalMessageNameIdentification,1,8)&lt;/leftOperand&gt;&lt;rightOperand&gt;pacs.003&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/SettlementInformation&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;BooleanRule xsi:type=&quot;EqualToValue&quot;&gt;&lt;leftOperand&gt;/GroupHeader/SettlementInformation/SettlementMethod&lt;/leftOperand&gt;&lt;rightOperand&gt;CoverMethod&lt;/rightOperand&gt;&lt;/BooleanRule&gt;&lt;/onCondition&gt;&lt;/ComplexRule&gt;&lt;/RuleDefinition&gt;&#xA;" />
  <constraint
    xmi:id="_LwDQTcP_Eemsic1bQcEtLA"
    nextVersions="_jMZaI9cBEeq_l4BJLVUF2Q"
    previousVersion="_x0JZJ3L4EeidQ_AAdEzxQA"
    name="GroupHeaderInterbankSettlementDateRule"
    definition="If GroupHeader/InterbankSettlementDate is present, then TransactionInformation/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;/TransactionInformation[*]/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="_LwDQT8P_Eemsic1bQcEtLA"
    nextVersions="_jMZaJdcBEeq_l4BJLVUF2Q"
    previousVersion="_x0JZKXL4EeidQ_AAdEzxQA"
    name="TransactionInterbankSettlementDateRule"
    definition="If GroupHeader/InterbankSettlementDate is not present, then TransactionInformation/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;/TransactionInformation[*]/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="_LwDQUcP_Eemsic1bQcEtLA"
    nextVersions="_jMZaJ9cBEeq_l4BJLVUF2Q"
    previousVersion="_x0JZK3L4EeidQ_AAdEzxQA"
    name="GroupReturnAndTransactionInformationNotPresentRule"
    definition="If GroupHeader/GroupReturn is true, then TransactionInformation 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;/TransactionInformation[*]&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/GroupReturn&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;BooleanRule xsi:type=&quot;EqualToValue&quot;&gt;&lt;leftOperand&gt;/GroupHeader/GroupReturn&lt;/leftOperand&gt;&lt;rightOperand&gt;true&lt;/rightOperand&gt;&lt;/BooleanRule&gt;&lt;/onCondition&gt;&lt;/ComplexRule&gt;&lt;/RuleDefinition&gt;&#xA;" />
  <constraint
    xmi:id="_LwDQU8P_Eemsic1bQcEtLA"
    nextVersions="_jMZaKdcBEeq_l4BJLVUF2Q"
    previousVersion="_x0JZLXL4EeidQ_AAdEzxQA"
    name="GroupReturnAndTransactionInformationPresentRule"
    definition="If GroupHeader/GroupReturn is false, then at least one occurrence of TransactionInformation 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;/TransactionInformation[1]&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/GroupReturn&lt;/leftOperand&gt;&lt;/BooleanRule&gt;&lt;BooleanRule xsi:type=&quot;EqualToValue&quot;&gt;&lt;leftOperand&gt;/GroupHeader/GroupReturn&lt;/leftOperand&gt;&lt;rightOperand&gt;false&lt;/rightOperand&gt;&lt;/BooleanRule&gt;&lt;/onCondition&gt;&lt;/ComplexRule&gt;&lt;/RuleDefinition&gt;&#xA;" />
  <constraint
    xmi:id="_LwDQVcP_Eemsic1bQcEtLA"
    nextVersions="_jMZaK9cBEeq_l4BJLVUF2Q"
    previousVersion="_x0JZL3L4EeidQ_AAdEzxQA"
    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="_LwD3J8P_Eemsic1bQcEtLA"
    nextVersions="_jMZaM9cBEeq_l4BJLVUF2Q"
    previousVersion="_x0JZMXL4EeidQ_AAdEzxQA"
    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="_03V1E3L-EeidQ_AAdEzxQA" />
  <messageBuildingBlock
    xmi:id="_LwD3KcP_Eemsic1bQcEtLA"
    nextVersions="_jMZaNdcBEeq_l4BJLVUF2Q"
    previousVersion="_x0JZM3L4EeidQ_AAdEzxQA"
    name="OriginalGroupInformation"
    definition="Information concerning the original group of transactions, to which the message refers."
    registrationStatus="Provisionally Registered"
    maxOccurs="1"
    minOccurs="0"
    xmlTag="OrgnlGrpInf"
    complexType="_Iup9rXL_EeidQ_AAdEzxQA" />
  <messageBuildingBlock
    xmi:id="_LwD3K8P_Eemsic1bQcEtLA"
    nextVersions="_jMZaN9cBEeq_l4BJLVUF2Q"
    previousVersion="_x0JZNXL4EeidQ_AAdEzxQA"
    name="TransactionInformation"
    definition="Information concerning the original transactions, to which the return message refers."
    registrationStatus="Provisionally Registered"
    minOccurs="0"
    xmlTag="TxInf"
    complexType="_QB1BwcQUEemsic1bQcEtLA" />
  <messageBuildingBlock
    xmi:id="_LwD3LcP_Eemsic1bQcEtLA"
    nextVersions="_jMZaOdcBEeq_l4BJLVUF2Q"
    previousVersion="_x0JZN3L4EeidQ_AAdEzxQA"
    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="004"
    flavour="001"
    version="10" />
</messageDefinition>

ISO Building Blocks

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