pacs.009.001.10
Scope The FinancialInstitutionCreditTransfer message is sent by a debtor financial institution to a creditor financial institution, 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, where both debtor and creditor are financial institutions. Usage The FinancialInstitutionCreditTransfer message is exchanged between agents and can contain one or more credit transfer instructions where debtor and creditor are both financial institutions. The FinancialInstitutionCreditTransfer message does not allow for grouping: a CreditTransferTransactionInformation block must be present for each credit transfer transaction. The FinancialInstitutionCreditTransfer 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
%% FinancialInstitutionCreditTransferV10 recursion level 0 with max 0
FinancialInstitutionCreditTransferV10 *-- "1..1" GroupHeader96 : GroupHeader
FinancialInstitutionCreditTransferV10 *-- "1..1" CreditTransferTransaction56 : CreditTransferTransactionInformation
FinancialInstitutionCreditTransferV10 *-- "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
%% GroupHeader96 recursion level 0 with max 1
class GroupHeader96{
MessageIdentification IsoMax35Text
CreationDateTime IsoISODateTime
BatchBooking IsoBatchBookingIndicator
NumberOfTransactions IsoMax15NumericText
ControlSum IsoDecimalNumber
TotalInterbankSettlementAmount IsoActiveCurrencyAndAmount
InterbankSettlementDate IsoISODate
}
GroupHeader96 *-- "1..1" SettlementInstruction11 : SettlementInformation
GroupHeader96 *-- "0..1" PaymentTypeInformation28 : PaymentTypeInformation
GroupHeader96 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : InstructingAgent
GroupHeader96 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : InstructedAgent
%% SettlementInstruction11 recursion level 1 with max 1
class SettlementInstruction11{
SettlementMethod SettlementMethod1Code
}
SettlementInstruction11 *-- "0..1" CashAccount40 : SettlementAccount
SettlementInstruction11 *-- "0..1" IClearingSystemIdentification3Choice : ClearingSystem
SettlementInstruction11 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : InstructingReimbursementAgent
SettlementInstruction11 *-- "0..1" CashAccount40 : InstructingReimbursementAgentAccount
SettlementInstruction11 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : InstructedReimbursementAgent
SettlementInstruction11 *-- "0..1" CashAccount40 : InstructedReimbursementAgentAccount
SettlementInstruction11 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : ThirdReimbursementAgent
SettlementInstruction11 *-- "0..1" CashAccount40 : ThirdReimbursementAgentAccount
%% PaymentTypeInformation28 recursion level 1 with max 1
class PaymentTypeInformation28{
InstructionPriority Priority2Code
ClearingChannel ClearingChannel2Code
}
PaymentTypeInformation28 *-- "0..0" IServiceLevel8Choice : ServiceLevel
PaymentTypeInformation28 *-- "0..1" ILocalInstrument2Choice : LocalInstrument
PaymentTypeInformation28 *-- "0..1" ICategoryPurpose1Choice : CategoryPurpose
%% 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
GroupHeader96 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. | SettlementInstruction11 - Required 1..1 |
| PaymentTypeInformation | Set of elements used to further specify the type of transaction. | PaymentTypeInformation28 - Optional 0..1 |
| InstructingAgent | Agent that instructs the next party in the chain to carry out the (set of) instruction(s). | BranchAndFinancialInstitutionIdentification6 - Optional 0..1 |
| InstructedAgent | Agent that is instructed by the previous party in the chain to carry out the (set of) instruction(s). | BranchAndFinancialInstitutionIdentification6 - Optional 0..1 |
CreditTransferTransactionInformation building block
Set of elements providing information specific to the individual credit transfer(s). Provide further details specific to the individual transaction(s) included in the message. For comparison, see the ISO20022 official specification
classDiagram
direction tb
%% CreditTransferTransaction56 recursion level 0 with max 1
class CreditTransferTransaction56{
InterbankSettlementAmount IsoActiveCurrencyAndAmount
InterbankSettlementDate IsoISODate
SettlementPriority Priority3Code
}
CreditTransferTransaction56 *-- "1..1" PaymentIdentification13 : PaymentIdentification
CreditTransferTransaction56 *-- "0..1" PaymentTypeInformation28 : PaymentTypeInformation
CreditTransferTransaction56 *-- "0..1" SettlementDateTimeIndication1 : SettlementTimeIndication
CreditTransferTransaction56 *-- "0..1" SettlementTimeRequest2 : SettlementTimeRequest
CreditTransferTransaction56 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : PreviousInstructingAgent1
CreditTransferTransaction56 *-- "0..1" CashAccount40 : PreviousInstructingAgent1Account
CreditTransferTransaction56 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : PreviousInstructingAgent2
CreditTransferTransaction56 *-- "0..1" CashAccount40 : PreviousInstructingAgent2Account
CreditTransferTransaction56 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : PreviousInstructingAgent3
CreditTransferTransaction56 *-- "0..1" CashAccount40 : PreviousInstructingAgent3Account
CreditTransferTransaction56 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : InstructingAgent
CreditTransferTransaction56 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : InstructedAgent
CreditTransferTransaction56 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : IntermediaryAgent1
CreditTransferTransaction56 *-- "0..1" CashAccount40 : IntermediaryAgent1Account
CreditTransferTransaction56 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : IntermediaryAgent2
CreditTransferTransaction56 *-- "0..1" CashAccount40 : IntermediaryAgent2Account
CreditTransferTransaction56 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : IntermediaryAgent3
CreditTransferTransaction56 *-- "0..1" CashAccount40 : IntermediaryAgent3Account
CreditTransferTransaction56 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : UltimateDebtor
CreditTransferTransaction56 *-- "1..1" BranchAndFinancialInstitutionIdentification6 : Debtor
CreditTransferTransaction56 *-- "0..1" CashAccount40 : DebtorAccount
CreditTransferTransaction56 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : DebtorAgent
CreditTransferTransaction56 *-- "0..1" CashAccount40 : DebtorAgentAccount
CreditTransferTransaction56 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : CreditorAgent
CreditTransferTransaction56 *-- "0..1" CashAccount40 : CreditorAgentAccount
CreditTransferTransaction56 *-- "1..1" BranchAndFinancialInstitutionIdentification6 : Creditor
CreditTransferTransaction56 *-- "0..1" CashAccount40 : CreditorAccount
CreditTransferTransaction56 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : UltimateCreditor
CreditTransferTransaction56 *-- "0..0" InstructionForCreditorAgent3 : InstructionForCreditorAgent
CreditTransferTransaction56 *-- "0..0" InstructionForNextAgent1 : InstructionForNextAgent
CreditTransferTransaction56 *-- "0..1" IPurpose2Choice : Purpose
CreditTransferTransaction56 *-- "0..1" RemittanceInformation2 : RemittanceInformation
CreditTransferTransaction56 *-- "0..1" CreditTransferTransaction52 : UnderlyingCustomerCreditTransfer
CreditTransferTransaction56 *-- "0..0" SupplementaryData1 : SupplementaryData
%% PaymentIdentification13 recursion level 1 with max 1
class PaymentIdentification13{
InstructionIdentification IsoMax35Text
EndToEndIdentification IsoMax35Text
TransactionIdentification IsoMax35Text
UETR IsoUUIDv4Identifier
ClearingSystemReference IsoMax35Text
}
%% PaymentTypeInformation28 recursion level 1 with max 1
class PaymentTypeInformation28{
InstructionPriority Priority2Code
ClearingChannel ClearingChannel2Code
}
PaymentTypeInformation28 *-- "0..0" IServiceLevel8Choice : ServiceLevel
PaymentTypeInformation28 *-- "0..1" ILocalInstrument2Choice : LocalInstrument
PaymentTypeInformation28 *-- "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
}
%% BranchAndFinancialInstitutionIdentification6 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification6 *-- "1..1" FinancialInstitutionIdentification18 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification6 *-- "0..1" BranchData3 : BranchIdentification
%% CashAccount40 recursion level 1 with max 1
class CashAccount40{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount40 *-- "0..1" IAccountIdentification4Choice : Identification
CashAccount40 *-- "0..1" ICashAccountType2Choice : Type
CashAccount40 *-- "0..1" ProxyAccountIdentification1 : Proxy
%% BranchAndFinancialInstitutionIdentification6 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification6 *-- "1..1" FinancialInstitutionIdentification18 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification6 *-- "0..1" BranchData3 : BranchIdentification
%% CashAccount40 recursion level 1 with max 1
class CashAccount40{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount40 *-- "0..1" IAccountIdentification4Choice : Identification
CashAccount40 *-- "0..1" ICashAccountType2Choice : Type
CashAccount40 *-- "0..1" ProxyAccountIdentification1 : Proxy
%% BranchAndFinancialInstitutionIdentification6 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification6 *-- "1..1" FinancialInstitutionIdentification18 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification6 *-- "0..1" BranchData3 : BranchIdentification
%% CashAccount40 recursion level 1 with max 1
class CashAccount40{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount40 *-- "0..1" IAccountIdentification4Choice : Identification
CashAccount40 *-- "0..1" ICashAccountType2Choice : Type
CashAccount40 *-- "0..1" ProxyAccountIdentification1 : Proxy
%% 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
%% BranchAndFinancialInstitutionIdentification6 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification6 *-- "1..1" FinancialInstitutionIdentification18 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification6 *-- "0..1" BranchData3 : BranchIdentification
%% CashAccount40 recursion level 1 with max 1
class CashAccount40{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount40 *-- "0..1" IAccountIdentification4Choice : Identification
CashAccount40 *-- "0..1" ICashAccountType2Choice : Type
CashAccount40 *-- "0..1" ProxyAccountIdentification1 : Proxy
%% BranchAndFinancialInstitutionIdentification6 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification6 *-- "1..1" FinancialInstitutionIdentification18 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification6 *-- "0..1" BranchData3 : BranchIdentification
%% CashAccount40 recursion level 1 with max 1
class CashAccount40{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount40 *-- "0..1" IAccountIdentification4Choice : Identification
CashAccount40 *-- "0..1" ICashAccountType2Choice : Type
CashAccount40 *-- "0..1" ProxyAccountIdentification1 : Proxy
%% BranchAndFinancialInstitutionIdentification6 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification6 *-- "1..1" FinancialInstitutionIdentification18 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification6 *-- "0..1" BranchData3 : BranchIdentification
%% CashAccount40 recursion level 1 with max 1
class CashAccount40{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount40 *-- "0..1" IAccountIdentification4Choice : Identification
CashAccount40 *-- "0..1" ICashAccountType2Choice : Type
CashAccount40 *-- "0..1" ProxyAccountIdentification1 : Proxy
%% 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
%% CashAccount40 recursion level 1 with max 1
class CashAccount40{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount40 *-- "0..1" IAccountIdentification4Choice : Identification
CashAccount40 *-- "0..1" ICashAccountType2Choice : Type
CashAccount40 *-- "0..1" ProxyAccountIdentification1 : Proxy
%% BranchAndFinancialInstitutionIdentification6 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification6 *-- "1..1" FinancialInstitutionIdentification18 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification6 *-- "0..1" BranchData3 : BranchIdentification
%% CashAccount40 recursion level 1 with max 1
class CashAccount40{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount40 *-- "0..1" IAccountIdentification4Choice : Identification
CashAccount40 *-- "0..1" ICashAccountType2Choice : Type
CashAccount40 *-- "0..1" ProxyAccountIdentification1 : Proxy
%% BranchAndFinancialInstitutionIdentification6 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification6 *-- "1..1" FinancialInstitutionIdentification18 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification6 *-- "0..1" BranchData3 : BranchIdentification
%% CashAccount40 recursion level 1 with max 1
class CashAccount40{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount40 *-- "0..1" IAccountIdentification4Choice : Identification
CashAccount40 *-- "0..1" ICashAccountType2Choice : Type
CashAccount40 *-- "0..1" ProxyAccountIdentification1 : Proxy
%% BranchAndFinancialInstitutionIdentification6 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification6 *-- "1..1" FinancialInstitutionIdentification18 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification6 *-- "0..1" BranchData3 : BranchIdentification
%% CashAccount40 recursion level 1 with max 1
class CashAccount40{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount40 *-- "0..1" IAccountIdentification4Choice : Identification
CashAccount40 *-- "0..1" ICashAccountType2Choice : Type
CashAccount40 *-- "0..1" ProxyAccountIdentification1 : Proxy
%% BranchAndFinancialInstitutionIdentification6 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification6 *-- "1..1" FinancialInstitutionIdentification18 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification6 *-- "0..1" BranchData3 : BranchIdentification
%% InstructionForCreditorAgent3 recursion level 1 with max 1
class InstructionForCreditorAgent3{
Code ExternalCreditorAgentInstruction1Code
InstructionInformation IsoMax140Text
}
%% InstructionForNextAgent1 recursion level 1 with max 1
class InstructionForNextAgent1{
Code Instruction4Code
InstructionInformation IsoMax140Text
}
%% IPurpose2Choice recursion level 1 with max 1
%% RemittanceInformation2 recursion level 1 with max 1
class RemittanceInformation2{
Unstructured IsoMax140Text
}
%% CreditTransferTransaction52 recursion level 1 with max 1
class CreditTransferTransaction52{
InstructedAmount IsoActiveOrHistoricCurrencyAndAmount
}
CreditTransferTransaction52 *-- "0..1" PartyIdentification135 : UltimateDebtor
CreditTransferTransaction52 *-- "0..1" PartyIdentification135 : InitiatingParty
CreditTransferTransaction52 *-- "1..1" PartyIdentification135 : Debtor
CreditTransferTransaction52 *-- "0..1" CashAccount40 : DebtorAccount
CreditTransferTransaction52 *-- "1..1" BranchAndFinancialInstitutionIdentification6 : DebtorAgent
CreditTransferTransaction52 *-- "0..1" CashAccount40 : DebtorAgentAccount
CreditTransferTransaction52 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : PreviousInstructingAgent1
CreditTransferTransaction52 *-- "0..1" CashAccount40 : PreviousInstructingAgent1Account
CreditTransferTransaction52 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : PreviousInstructingAgent2
CreditTransferTransaction52 *-- "0..1" CashAccount40 : PreviousInstructingAgent2Account
CreditTransferTransaction52 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : PreviousInstructingAgent3
CreditTransferTransaction52 *-- "0..1" CashAccount40 : PreviousInstructingAgent3Account
CreditTransferTransaction52 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : IntermediaryAgent1
CreditTransferTransaction52 *-- "0..1" CashAccount40 : IntermediaryAgent1Account
CreditTransferTransaction52 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : IntermediaryAgent2
CreditTransferTransaction52 *-- "0..1" CashAccount40 : IntermediaryAgent2Account
CreditTransferTransaction52 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : IntermediaryAgent3
CreditTransferTransaction52 *-- "0..1" CashAccount40 : IntermediaryAgent3Account
CreditTransferTransaction52 *-- "1..1" BranchAndFinancialInstitutionIdentification6 : CreditorAgent
CreditTransferTransaction52 *-- "0..1" CashAccount40 : CreditorAgentAccount
CreditTransferTransaction52 *-- "1..1" PartyIdentification135 : Creditor
CreditTransferTransaction52 *-- "0..1" CashAccount40 : CreditorAccount
CreditTransferTransaction52 *-- "0..1" PartyIdentification135 : UltimateCreditor
CreditTransferTransaction52 *-- "0..0" InstructionForCreditorAgent3 : InstructionForCreditorAgent
CreditTransferTransaction52 *-- "0..0" InstructionForNextAgent1 : InstructionForNextAgent
CreditTransferTransaction52 *-- "0..1" TaxInformation10 : Tax
CreditTransferTransaction52 *-- "0..1" RemittanceInformation21 : RemittanceInformation
%% SupplementaryData1 recursion level 1 with max 1
class SupplementaryData1{
PlaceAndName IsoMax350Text
}
SupplementaryData1 *-- "1..1" IsoSupplementaryDataEnvelope1 : Envelope
CreditTransferTransaction56 members
| Member name | Description | Data Type / Multiplicity |
|---|---|---|
| PaymentIdentification | Set of elements used to reference a payment instruction. | PaymentIdentification13 - Required 1..1 |
| PaymentTypeInformation | Set of elements used to further specify the type of transaction. | PaymentTypeInformation28 - 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 |
| PreviousInstructingAgent1 | Agent between the debtor’s agent and the instructing agent. Usage: If more than one previous instructing agent is present, then PreviousInstructingAgent1 identifies the agent between the DebtorAgent and the PreviousInstructingAgent2. | BranchAndFinancialInstitutionIdentification6 - Optional 0..1 |
| PreviousInstructingAgent1Account | Unambiguous identification of the account of the previous instructing agent at its servicing agent in the payment chain. | CashAccount40 - Optional 0..1 |
| PreviousInstructingAgent2 | Agent between the debtor’s agent and the instructing agent. Usage: If more than two previous instructing agent are present, then PreviousInstructingAgent2 identifies the agent between the PreviousInstructingAgent1 and the PreviousInstructingAgent3. | BranchAndFinancialInstitutionIdentification6 - Optional 0..1 |
| PreviousInstructingAgent2Account | Unambiguous identification of the account of the previous instructing agent at its servicing agent in the payment chain. | CashAccount40 - Optional 0..1 |
| PreviousInstructingAgent3 | Agent between the debtor’s agent and the instructing agent. Usage: If PreviousInstructingAgent3 is present, then PreviousInstructingAgent3 identifies the agent between the PreviousInstructingAgent2 and the InstructingAgent. | BranchAndFinancialInstitutionIdentification6 - Optional 0..1 |
| PreviousInstructingAgent3Account | Unambiguous identification of the account of the previous instructing agent at its servicing agent in the payment chain. | CashAccount40 - Optional 0..1 |
| InstructingAgent | Agent that instructs the next party in the chain to carry out the (set of) instruction(s). | BranchAndFinancialInstitutionIdentification6 - Optional 0..1 |
| InstructedAgent | Agent that is instructed by the previous party in the chain to carry out the (set of) instruction(s). | BranchAndFinancialInstitutionIdentification6 - 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. | CashAccount40 - 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. | CashAccount40 - 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. | CashAccount40 - Optional 0..1 |
| UltimateDebtor | Ultimate financial institution that owes an amount of money to the (ultimate) institutional creditor. | BranchAndFinancialInstitutionIdentification6 - Optional 0..1 |
| Debtor | Financial institution that owes an amount of money to the (ultimate) financial institutional creditor. | BranchAndFinancialInstitutionIdentification6 - 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. | CashAccount40 - Optional 0..1 |
| DebtorAgent | Financial institution servicing an account for the debtor. | BranchAndFinancialInstitutionIdentification6 - Optional 0..1 |
| DebtorAgentAccount | Unambiguous identification of the account of the debtor agent at its servicing agent in the payment chain. | CashAccount40 - Optional 0..1 |
| CreditorAgent | Financial institution servicing an account for the creditor. | BranchAndFinancialInstitutionIdentification6 - Optional 0..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. | CashAccount40 - Optional 0..1 |
| Creditor | Financial institution that receives an amount of money from the financial institutional debtor. | BranchAndFinancialInstitutionIdentification6 - 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. | CashAccount40 - Optional 0..1 |
| UltimateCreditor | Ultimate financial institution to which an amount of money is due. | BranchAndFinancialInstitutionIdentification6 - 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. | InstructionForCreditorAgent3 - 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. |
| 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. | RemittanceInformation2 - Optional 0..1 |
| UnderlyingCustomerCreditTransfer | Provides information on the underlying customer credit transfer for which cover is provided. | CreditTransferTransaction52 - 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 FinancialInstitutionCreditTransferV10 implementation follows a specific implementaiton pattern. First of all, FinancialInstitutionCreditTransferV10 impleemnts IOuterRecord indicating it is the outermost logical part of the message definition. Like all message wrappers, FinancialInstitutionCreditTransferV10Document implements IOuterDocument. Because FinancialInstitutionCreditTransferV10 implements IOuterDocument, it is a suitable template parameter for IOuterDocument, and causes the internal ‘Message’ to be of type FinancialInstitutionCreditTransferV10.
classDiagram
class IOuterRecord
FinancialInstitutionCreditTransferV10 --|> IOuterRecord : Implements
FinancialInstitutionCreditTransferV10Document --|> IOuterDocument~FinancialInstitutionCreditTransferV10~ : Implements
class IOuterDocument~FinancialInstitutionCreditTransferV10~ {
FinancialInstitutionCreditTransferV10 Message
}
Document wrapper for serialization
The only real purpose FinancialInstitutionCreditTransferV10Document serves is to cause the document to be serialized into the ‘urn:iso:std:iso:20022:tech:xsd:pacs.009.001.10’ namespace. Therefore, it will probably be the usual practice to build the message and construct this wrapper at the last minute using FinancialInstitutionCreditTransferV10.ToDocument() method. The returned FinancialInstitutionCreditTransferV10Document value will serialize correctly according to ISO 20022 standards.
classDiagram
FinancialInstitutionCreditTransferV10Document *-- FinancialInstitutionCreditTransferV10 : 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.009.001.10">
<FICdtTrf>
<GrpHdr>
<!-- GroupHeader inner content -->
</GrpHdr>
<CdtTrfTxInf>
<!-- CreditTransferTransactionInformation inner content -->
</CdtTrfTxInf>
<SplmtryData>
<!-- SupplementaryData inner content -->
</SplmtryData>
</FICdtTrf>
</Document>
Data from ISO specification
This is the technical data from the specification document.
<messageDefinition
xmi:id="_jMaBP9cBEeq_l4BJLVUF2Q"
previousVersion="_LwDQEcP_Eemsic1bQcEtLA"
name="FinancialInstitutionCreditTransferV10"
definition="Scope
The FinancialInstitutionCreditTransfer message is sent by a debtor financial institution to a creditor financial institution, 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, where both debtor and creditor are financial institutions.
Usage
The FinancialInstitutionCreditTransfer message is exchanged between agents and can contain one or more credit transfer instructions where debtor and creditor are both financial institutions.
The FinancialInstitutionCreditTransfer message does not allow for grouping: a CreditTransferTransactionInformation block must be present for each credit transfer transaction.
The FinancialInstitutionCreditTransfer message can be used in domestic and cross-border scenarios."
registrationStatus="Registered"
messageSet="_tk1vk_2YEeG0oal_knwJ7A"
xmlTag="FICdtTrf"
rootElement="Document"
xmlns:xmi="http://www.omg.org/XMI">
<constraint
xmi:id="_jMaBQdcBEeq_l4BJLVUF2Q"
previousVersion="_LwDQE8P_Eemsic1bQcEtLA"
name="InstructedAgentRule"
definition="If GroupHeader/InstructedAgent is present, then CreditTransferTransactionInformation/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>/CreditTransferTransactionInformation[*]/InstructedAgent</leftOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/InstructedAgent</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_jMaBQ9cBEeq_l4BJLVUF2Q"
previousVersion="_LwDQFcP_Eemsic1bQcEtLA"
name="InstructingAgentRule"
definition="If GroupHeader/InstructingAgent is present, then CreditTransferTransactionInformation/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>/CreditTransferTransactionInformation[*]/InstructingAgent</leftOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/InstructingAgent</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_jMaBRdcBEeq_l4BJLVUF2Q"
previousVersion="_LwDQF8P_Eemsic1bQcEtLA"
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="<RuleDefinition xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><ComplexRule xsi:type="ComplexRule"><mustBe><connector>AND</connector><BooleanRule xsi:type="EqualToNode"><leftOperand>/CreditTransferTransactionInformation[*]/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="_jMaBR9cBEeq_l4BJLVUF2Q"
previousVersion="_LwDQGcP_Eemsic1bQcEtLA"
name="TotalInterbankSettlementAmountAndSumRule"
definition="If GroupHeader/TotalInterbankSettlementAmount is present, then it must equal the sum of all occurrences of CreditTransferTransactionInformation/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 /CreditTransferTransactionInformation/InterbankSettlementAmount</rightOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/TotalInterbankSettlementAmount</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_jMaBSdcBEeq_l4BJLVUF2Q"
previousVersion="_LwDQG8P_Eemsic1bQcEtLA"
name="GroupHeaderInterbankSettlementDateRule"
definition="If GroupHeader/InterbankSettlementDate is present, then CreditTransferTransactionInformation/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>/CreditTransferTransactionInformation[*]/InterbankSettlementDate</leftOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/InterbankSettlementDate</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_jMaBS9cBEeq_l4BJLVUF2Q"
previousVersion="_LwDQHcP_Eemsic1bQcEtLA"
name="TransactionInterbankSettlementDateRule"
definition="If GroupHeader/InterbankSettlementDate is not present, then CreditTransferTransactionInformation/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>/CreditTransferTransactionInformation[*]/InterbankSettlementDate</leftOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Absence"><leftOperand>/GroupHeader/InterbankSettlementDate</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_jMaBTdcBEeq_l4BJLVUF2Q"
previousVersion="_LwDQH8P_Eemsic1bQcEtLA"
name="PaymentTypeInformationRule"
definition="If GroupHeader/PaymentTypeInformation is present, then CreditTransferTransactionInformation/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>/CreditTransferTransactionInformation[*]/PaymentTypeInformation</leftOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/PaymentTypeInformation</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_jMaBT9cBEeq_l4BJLVUF2Q"
previousVersion="_LwDQIcP_Eemsic1bQcEtLA"
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="_jMaBVdcBEeq_l4BJLVUF2Q"
previousVersion="_LwDQJ8P_Eemsic1bQcEtLA"
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="_eqg2YdcZEeqRFcf2R4bPBw" />
<messageBuildingBlock
xmi:id="_jMaBV9cBEeq_l4BJLVUF2Q"
previousVersion="_LwDQKcP_Eemsic1bQcEtLA"
name="CreditTransferTransactionInformation"
definition="Set of elements providing information specific to the individual credit transfer(s)."
registrationStatus="Provisionally Registered"
minOccurs="1"
xmlTag="CdtTrfTxInf"
complexType="_g4Cd4dcZEeqRFcf2R4bPBw" />
<messageBuildingBlock
xmi:id="_jMaBWdcBEeq_l4BJLVUF2Q"
previousVersion="_LwDQK8P_Eemsic1bQcEtLA"
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="009"
flavour="001"
version="10" />
</messageDefinition>
ISO Building Blocks
The following items are used as building blocks to construct this message.