pacs.008.001.11
Scope The FinancialInstitutionToFinancialInstitutionCustomerCreditTransfer message is sent by the debtor agent to the creditor agent, directly or through other agents and/or a payment clearing and settlement system. It is used to move funds from a debtor account to a creditor. Usage The FIToFICustomerCreditTransfer message is exchanged between agents and can contain one or more customer credit transfer instructions. The FIToFICustomerCreditTransfer message does not allow for grouping: a CreditTransferTransactionInformation block must be present for each credit transfer transaction. The FIToFICustomerCreditTransfer message can be used in different ways:
- If the instructing agent and the instructed agent wish to use their direct account relationship in the currency of the transfer then the message contains both the funds for the customer transfer(s) as well as the payment details;
- If the instructing agent and the instructed agent have no direct account relationship in the currency of the transfer, or do not wish to use their account relationship, then other (reimbursement) agents will be involved to cover for the customer transfer(s). The FIToFICustomerCreditTransfer contains only the payment details and the instructing agent must cover the customer transfer by sending a FinancialInstitutionCreditTransfer to a reimbursement agent. This payment method is called the Cover method;
- If more than two financial institutions are involved in the payment chain and if the FIToFICustomerCreditTransfer is sent from one financial institution to the next financial institution in the payment chain, then the payment method is called the Serial method. The FIToFICustomerCreditTransfer message can be used in domestic and cross-border scenarios.
Message Construction
Every ISO20022 message has at the highest level what we call ‘building blocks’. Because the message is constructed as immutable records, the association is by composition. Below you can see the relationship between the message and its constituent building blocks: For comparison, see the ISO20022 official specification
classDiagram
direction LR
%% FIToFICustomerCreditTransferV11 recursion level 0 with max 0
FIToFICustomerCreditTransferV11 *-- "1..1" GroupHeader96 : GroupHeader
FIToFICustomerCreditTransferV11 *-- "1..1" CreditTransferTransaction58 : CreditTransferTransactionInformation
FIToFICustomerCreditTransferV11 *-- "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). Provides further details specific to the individual transaction(s) included in the message. For comparison, see the ISO20022 official specification
classDiagram
direction tb
%% CreditTransferTransaction58 recursion level 0 with max 1
class CreditTransferTransaction58{
InterbankSettlementAmount IsoActiveCurrencyAndAmount
InterbankSettlementDate IsoISODate
SettlementPriority Priority3Code
AcceptanceDateTime IsoISODateTime
PoolingAdjustmentDate IsoISODate
InstructedAmount IsoActiveOrHistoricCurrencyAndAmount
ExchangeRate IsoBaseOneRate
ChargeBearer ChargeBearerType1Code
}
CreditTransferTransaction58 *-- "1..1" PaymentIdentification13 : PaymentIdentification
CreditTransferTransaction58 *-- "0..1" PaymentTypeInformation28 : PaymentTypeInformation
CreditTransferTransaction58 *-- "0..1" SettlementDateTimeIndication1 : SettlementTimeIndication
CreditTransferTransaction58 *-- "0..1" SettlementTimeRequest2 : SettlementTimeRequest
CreditTransferTransaction58 *-- "0..0" Charges12 : ChargesInformation
CreditTransferTransaction58 *-- "0..1" CreditTransferMandateData1 : MandateRelatedInformation
CreditTransferTransaction58 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : PreviousInstructingAgent1
CreditTransferTransaction58 *-- "0..1" CashAccount40 : PreviousInstructingAgent1Account
CreditTransferTransaction58 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : PreviousInstructingAgent2
CreditTransferTransaction58 *-- "0..1" CashAccount40 : PreviousInstructingAgent2Account
CreditTransferTransaction58 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : PreviousInstructingAgent3
CreditTransferTransaction58 *-- "0..1" CashAccount40 : PreviousInstructingAgent3Account
CreditTransferTransaction58 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : InstructingAgent
CreditTransferTransaction58 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : InstructedAgent
CreditTransferTransaction58 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : IntermediaryAgent1
CreditTransferTransaction58 *-- "0..1" CashAccount40 : IntermediaryAgent1Account
CreditTransferTransaction58 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : IntermediaryAgent2
CreditTransferTransaction58 *-- "0..1" CashAccount40 : IntermediaryAgent2Account
CreditTransferTransaction58 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : IntermediaryAgent3
CreditTransferTransaction58 *-- "0..1" CashAccount40 : IntermediaryAgent3Account
CreditTransferTransaction58 *-- "0..1" PartyIdentification135 : UltimateDebtor
CreditTransferTransaction58 *-- "0..1" PartyIdentification135 : InitiatingParty
CreditTransferTransaction58 *-- "1..1" PartyIdentification135 : Debtor
CreditTransferTransaction58 *-- "0..1" CashAccount40 : DebtorAccount
CreditTransferTransaction58 *-- "1..1" BranchAndFinancialInstitutionIdentification6 : DebtorAgent
CreditTransferTransaction58 *-- "0..1" CashAccount40 : DebtorAgentAccount
CreditTransferTransaction58 *-- "1..1" BranchAndFinancialInstitutionIdentification6 : CreditorAgent
CreditTransferTransaction58 *-- "0..1" CashAccount40 : CreditorAgentAccount
CreditTransferTransaction58 *-- "1..1" PartyIdentification135 : Creditor
CreditTransferTransaction58 *-- "0..1" CashAccount40 : CreditorAccount
CreditTransferTransaction58 *-- "0..1" PartyIdentification135 : UltimateCreditor
CreditTransferTransaction58 *-- "0..0" InstructionForCreditorAgent3 : InstructionForCreditorAgent
CreditTransferTransaction58 *-- "0..0" InstructionForNextAgent1 : InstructionForNextAgent
CreditTransferTransaction58 *-- "0..1" IPurpose2Choice : Purpose
CreditTransferTransaction58 *-- "0..10" RegulatoryReporting3 : RegulatoryReporting
CreditTransferTransaction58 *-- "0..1" TaxInformation10 : Tax
CreditTransferTransaction58 *-- "0..10" RemittanceLocation7 : RelatedRemittanceInformation
CreditTransferTransaction58 *-- "0..1" RemittanceInformation21 : RemittanceInformation
CreditTransferTransaction58 *-- "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
}
%% Charges12 recursion level 1 with max 1
class Charges12{
Amount IsoActiveOrHistoricCurrencyAndAmount
}
Charges12 *-- "1..1" BranchAndFinancialInstitutionIdentification6 : Agent
Charges12 *-- "0..1" IChargeType3Choice : Type
%% CreditTransferMandateData1 recursion level 1 with max 1
class CreditTransferMandateData1{
MandateIdentification IsoMax35Text
DateOfSignature IsoISODate
DateOfVerification IsoISODateTime
ElectronicSignature IsoMax10KBinary
FirstPaymentDate IsoISODate
FinalPaymentDate IsoISODate
}
CreditTransferMandateData1 *-- "0..1" MandateTypeInformation2 : Type
CreditTransferMandateData1 *-- "0..1" IFrequency36Choice : Frequency
CreditTransferMandateData1 *-- "0..1" IMandateSetupReason1Choice : Reason
%% 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
%% PartyIdentification135 recursion level 1 with max 1
class PartyIdentification135{
Name IsoMax140Text
CountryOfResidence CountryCode
}
PartyIdentification135 *-- "0..1" PostalAddress24 : PostalAddress
PartyIdentification135 *-- "0..1" IParty38Choice : Identification
PartyIdentification135 *-- "0..1" Contact4 : ContactDetails
%% PartyIdentification135 recursion level 1 with max 1
class PartyIdentification135{
Name IsoMax140Text
CountryOfResidence CountryCode
}
PartyIdentification135 *-- "0..1" PostalAddress24 : PostalAddress
PartyIdentification135 *-- "0..1" IParty38Choice : Identification
PartyIdentification135 *-- "0..1" Contact4 : ContactDetails
%% PartyIdentification135 recursion level 1 with max 1
class PartyIdentification135{
Name IsoMax140Text
CountryOfResidence CountryCode
}
PartyIdentification135 *-- "0..1" PostalAddress24 : PostalAddress
PartyIdentification135 *-- "0..1" IParty38Choice : Identification
PartyIdentification135 *-- "0..1" Contact4 : ContactDetails
%% 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
%% PartyIdentification135 recursion level 1 with max 1
class PartyIdentification135{
Name IsoMax140Text
CountryOfResidence CountryCode
}
PartyIdentification135 *-- "0..1" PostalAddress24 : PostalAddress
PartyIdentification135 *-- "0..1" IParty38Choice : Identification
PartyIdentification135 *-- "0..1" Contact4 : ContactDetails
%% 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
%% PartyIdentification135 recursion level 1 with max 1
class PartyIdentification135{
Name IsoMax140Text
CountryOfResidence CountryCode
}
PartyIdentification135 *-- "0..1" PostalAddress24 : PostalAddress
PartyIdentification135 *-- "0..1" IParty38Choice : Identification
PartyIdentification135 *-- "0..1" Contact4 : ContactDetails
%% 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
%% RegulatoryReporting3 recursion level 1 with max 1
class RegulatoryReporting3{
DebitCreditReportingIndicator RegulatoryReportingType1Code
}
RegulatoryReporting3 *-- "0..1" RegulatoryAuthority2 : Authority
RegulatoryReporting3 *-- "0..0" StructuredRegulatoryReporting3 : Details
%% TaxInformation10 recursion level 1 with max 1
class TaxInformation10{
AdministrationZone IsoMax35Text
ReferenceNumber IsoMax140Text
Method IsoMax35Text
TotalTaxableBaseAmount IsoActiveOrHistoricCurrencyAndAmount
TotalTaxAmount IsoActiveOrHistoricCurrencyAndAmount
Date IsoISODate
SequenceNumber IsoNumber
}
TaxInformation10 *-- "0..1" TaxParty1 : Creditor
TaxInformation10 *-- "0..1" TaxParty2 : Debtor
TaxInformation10 *-- "0..0" TaxRecord3 : Record
%% RemittanceLocation7 recursion level 1 with max 1
class RemittanceLocation7{
RemittanceIdentification IsoMax35Text
}
RemittanceLocation7 *-- "0..0" RemittanceLocationData1 : RemittanceLocationDetails
%% RemittanceInformation21 recursion level 1 with max 1
class RemittanceInformation21{
Unstructured IsoMax140Text
}
RemittanceInformation21 *-- "0..0" StructuredRemittanceInformation17 : Structured
%% SupplementaryData1 recursion level 1 with max 1
class SupplementaryData1{
PlaceAndName IsoMax350Text
}
SupplementaryData1 *-- "1..1" IsoSupplementaryDataEnvelope1 : Envelope
CreditTransferTransaction58 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 of the payment transaction. | SettlementDateTimeIndication1 - Optional 0..1 |
| SettlementTimeRequest | Provides information on the requested settlement time of the payment instruction. | SettlementTimeRequest2 - Optional 0..1 |
| AcceptanceDateTime | Point in time when the payment order from the initiating party meets the processing conditions of the account servicing agent. This means that the account servicing agent has received the payment order and has applied checks such as authorisation, availability of funds. | IsoISODateTime - Optional 0..1 |
| PoolingAdjustmentDate | Date used for the correction of the value date of a cash pool movement that has been posted with a different value date. | IsoISODate - Optional 0..1 |
| InstructedAmount | Amount of money to be moved between the debtor and creditor, before deduction of charges, expressed in the currency as ordered by the initiating party. Usage: This amount has to be transported unchanged through the transaction chain. | IsoActiveOrHistoricCurrencyAndAmount - Optional 0..1 |
| ExchangeRate | Factor used to convert an amount from one currency into another. This reflects the price at which one currency was bought with another currency. | IsoBaseOneRate - Optional 0..1 |
| ChargeBearer | Specifies which party/parties will bear the charges associated with the processing of the payment transaction. | ChargeBearerType1Code - Required 1..1 |
| ChargesInformation | Provides information on the charges to be paid by the charge bearer(s) related to the payment transaction. | Charges12 - Unknown 0..0 |
| MandateRelatedInformation | Provides further details of the mandate signed between the creditor and the debtor. | CreditTransferMandateData1 - 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 party that owes an amount of money to the (ultimate) creditor. | PartyIdentification135 - Optional 0..1 |
| InitiatingParty | Party that initiates the payment. | Usage: This can be either the debtor or a party that initiates the credit transfer on behalf of the debtor. |
| Debtor | Party that owes an amount of money to the (ultimate) creditor. | PartyIdentification135 - 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 - Required 1..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 - 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. | CashAccount40 - Optional 0..1 |
| Creditor | Party to which an amount of money is due. | PartyIdentification135 - 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 party to which an amount of money is due. | PartyIdentification135 - 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. |
| RegulatoryReporting | Information needed due to regulatory and statutory requirements. | RegulatoryReporting3 - Collection 0..10 |
| Tax | Provides details on the tax. | TaxInformation10 - Optional 0..1 |
| RelatedRemittanceInformation | Provides information related to the handling of the remittance information by any of the agents in the transaction processing chain. | RemittanceLocation7 - 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. | RemittanceInformation21 - 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 FIToFICustomerCreditTransferV11 implementation follows a specific implementaiton pattern. First of all, FIToFICustomerCreditTransferV11 impleemnts IOuterRecord indicating it is the outermost logical part of the message definition. Like all message wrappers, FIToFICustomerCreditTransferV11Document implements IOuterDocument. Because FIToFICustomerCreditTransferV11 implements IOuterDocument, it is a suitable template parameter for IOuterDocument, and causes the internal ‘Message’ to be of type FIToFICustomerCreditTransferV11.
classDiagram
class IOuterRecord
FIToFICustomerCreditTransferV11 --|> IOuterRecord : Implements
FIToFICustomerCreditTransferV11Document --|> IOuterDocument~FIToFICustomerCreditTransferV11~ : Implements
class IOuterDocument~FIToFICustomerCreditTransferV11~ {
FIToFICustomerCreditTransferV11 Message
}
Document wrapper for serialization
The only real purpose FIToFICustomerCreditTransferV11Document serves is to cause the document to be serialized into the ‘urn:iso:std:iso:20022:tech:xsd:pacs.008.001.11’ namespace. Therefore, it will probably be the usual practice to build the message and construct this wrapper at the last minute using FIToFICustomerCreditTransferV11.ToDocument() method. The returned FIToFICustomerCreditTransferV11Document value will serialize correctly according to ISO 20022 standards.
classDiagram
FIToFICustomerCreditTransferV11Document *-- FIToFICustomerCreditTransferV11 : Document
Sample of message format
This is an abbreviated version of what the message should look like.
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pacs.008.001.11">
<FIToFICstmrCdtTrf>
<GrpHdr>
<!-- GroupHeader inner content -->
</GrpHdr>
<CdtTrfTxInf>
<!-- CreditTransferTransactionInformation inner content -->
</CdtTrfTxInf>
<SplmtryData>
<!-- SupplementaryData inner content -->
</SplmtryData>
</FIToFICstmrCdtTrf>
</Document>
Data from ISO specification
This is the technical data from the specification document.
<messageDefinition
xmi:id="_WBUbYQKeEe2rHs6fbn9-0A"
previousVersion="_jMaBIdcBEeq_l4BJLVUF2Q"
name="FIToFICustomerCreditTransferV11"
definition="Scope
The FinancialInstitutionToFinancialInstitutionCustomerCreditTransfer message is sent by the debtor agent to the creditor agent, directly or through other agents and/or a payment clearing and settlement system. It is used to move funds from a debtor account to a creditor.
Usage
The FIToFICustomerCreditTransfer message is exchanged between agents and can contain one or more customer credit transfer instructions.
The FIToFICustomerCreditTransfer message does not allow for grouping: a CreditTransferTransactionInformation block must be present for each credit transfer transaction.
The FIToFICustomerCreditTransfer message can be used in different ways:
- If the instructing agent and the instructed agent wish to use their direct account relationship in the currency of the transfer then the message contains both the funds for the customer transfer(s) as well as the payment details;
- If the instructing agent and the instructed agent have no direct account relationship in the currency of the transfer, or do not wish to use their account relationship, then other (reimbursement) agents will be involved to cover for the customer transfer(s). The FIToFICustomerCreditTransfer contains only the payment details and the instructing agent must cover the customer transfer by sending a FinancialInstitutionCreditTransfer to a reimbursement agent. This payment method is called the Cover method;
- If more than two financial institutions are involved in the payment chain and if the FIToFICustomerCreditTransfer is sent from one financial institution to the next financial institution in the payment chain, then the payment method is called the Serial method.
The FIToFICustomerCreditTransfer message can be used in domestic and cross-border scenarios."
registrationStatus="Registered"
messageSet="_tk1vk_2YEeG0oal_knwJ7A"
xmlTag="FIToFICstmrCdtTrf"
rootElement="Document"
xmlns:xmi="http://www.omg.org/XMI">
<constraint
xmi:id="_WBUbYwKeEe2rHs6fbn9-0A"
previousVersion="_jMaBI9cBEeq_l4BJLVUF2Q"
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="_WBUbZQKeEe2rHs6fbn9-0A"
previousVersion="_jMaBJdcBEeq_l4BJLVUF2Q"
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="_WBUbZwKeEe2rHs6fbn9-0A"
previousVersion="_jMaBJ9cBEeq_l4BJLVUF2Q"
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="_WBUbaQKeEe2rHs6fbn9-0A"
previousVersion="_jMaBKdcBEeq_l4BJLVUF2Q"
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="_WBUbawKeEe2rHs6fbn9-0A"
previousVersion="_jMaBK9cBEeq_l4BJLVUF2Q"
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="_WBUbbQKeEe2rHs6fbn9-0A"
previousVersion="_jMaBLdcBEeq_l4BJLVUF2Q"
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="_WBUbbwKeEe2rHs6fbn9-0A"
previousVersion="_jMaBL9cBEeq_l4BJLVUF2Q"
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="_WBUbcQKeEe2rHs6fbn9-0A"
previousVersion="_jMaBMdcBEeq_l4BJLVUF2Q"
name="NumberOfTransactionsAndCreditTransfersRule"
definition="GroupHeader/NumberOfTransactions must equal the number of occurrences of CreditTransferTransactionInformation."
registrationStatus="Provisionally Registered"
expression="<RuleDefinition xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><SimpleRule xsi:type="SimpleRule"><mustBe><connector>AND</connector><BooleanRule xsi:type="EqualToValue"><leftOperand>/GroupHeader/NumberOfTransactions</leftOperand><rightOperand>number of occurrences of CreditTransferTransactionInformation</rightOperand></BooleanRule></mustBe></SimpleRule></RuleDefinition>
" />
<constraint
xmi:id="_WBUbcwKeEe2rHs6fbn9-0A"
previousVersion="_jMaBM9cBEeq_l4BJLVUF2Q"
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="_WBUbgQKeEe2rHs6fbn9-0A"
previousVersion="_jMaBOdcBEeq_l4BJLVUF2Q"
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="_WBUbgwKeEe2rHs6fbn9-0A"
previousVersion="_jMaBO9cBEeq_l4BJLVUF2Q"
name="CreditTransferTransactionInformation"
definition="Set of elements providing information specific to the individual credit transfer(s)."
registrationStatus="Provisionally Registered"
minOccurs="1"
xmlTag="CdtTrfTxInf"
complexType="_OwAjXRlWEe2Do_UtrNmb2g" />
<messageBuildingBlock
xmi:id="_WBUbhQKeEe2rHs6fbn9-0A"
previousVersion="_jMaBPdcBEeq_l4BJLVUF2Q"
name="SupplementaryData"
definition="Additional information that cannot be captured in the structured elements and/or any other specific block."
registrationStatus="Provisionally Registered"
minOccurs="0"
xmlTag="SplmtryData"
complexType="_Qn0zC9p-Ed-ak6NoX_4Aeg_468227563" />
<messageDefinitionIdentifier
businessArea="pacs"
messageFunctionality="008"
flavour="001"
version="11" />
</messageDefinition>
ISO Building Blocks
The following items are used as building blocks to construct this message.