pacs.009.001.09
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
%% FinancialInstitutionCreditTransferV09 recursion level 0 with max 0
FinancialInstitutionCreditTransferV09 *-- "1..1" GroupHeader93 : GroupHeader
FinancialInstitutionCreditTransferV09 *-- "1..1" CreditTransferTransaction44 : CreditTransferTransactionInformation
FinancialInstitutionCreditTransferV09 *-- "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
%% GroupHeader93 recursion level 0 with max 1
class GroupHeader93{
MessageIdentification IsoMax35Text
CreationDateTime IsoISODateTime
BatchBooking IsoBatchBookingIndicator
NumberOfTransactions IsoMax15NumericText
ControlSum IsoDecimalNumber
TotalInterbankSettlementAmount IsoActiveCurrencyAndAmount
InterbankSettlementDate IsoISODate
}
GroupHeader93 *-- "1..1" SettlementInstruction7 : SettlementInformation
GroupHeader93 *-- "0..1" PaymentTypeInformation28 : PaymentTypeInformation
GroupHeader93 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : InstructingAgent
GroupHeader93 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : InstructedAgent
%% 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
%% 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
GroupHeader93 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. | SettlementInstruction7 - 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
%% CreditTransferTransaction44 recursion level 0 with max 1
class CreditTransferTransaction44{
InterbankSettlementAmount IsoActiveCurrencyAndAmount
InterbankSettlementDate IsoISODate
SettlementPriority Priority3Code
}
CreditTransferTransaction44 *-- "1..1" PaymentIdentification13 : PaymentIdentification
CreditTransferTransaction44 *-- "0..1" PaymentTypeInformation28 : PaymentTypeInformation
CreditTransferTransaction44 *-- "0..1" SettlementDateTimeIndication1 : SettlementTimeIndication
CreditTransferTransaction44 *-- "0..1" SettlementTimeRequest2 : SettlementTimeRequest
CreditTransferTransaction44 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : PreviousInstructingAgent1
CreditTransferTransaction44 *-- "0..1" CashAccount38 : PreviousInstructingAgent1Account
CreditTransferTransaction44 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : PreviousInstructingAgent2
CreditTransferTransaction44 *-- "0..1" CashAccount38 : PreviousInstructingAgent2Account
CreditTransferTransaction44 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : PreviousInstructingAgent3
CreditTransferTransaction44 *-- "0..1" CashAccount38 : PreviousInstructingAgent3Account
CreditTransferTransaction44 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : InstructingAgent
CreditTransferTransaction44 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : InstructedAgent
CreditTransferTransaction44 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : IntermediaryAgent1
CreditTransferTransaction44 *-- "0..1" CashAccount38 : IntermediaryAgent1Account
CreditTransferTransaction44 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : IntermediaryAgent2
CreditTransferTransaction44 *-- "0..1" CashAccount38 : IntermediaryAgent2Account
CreditTransferTransaction44 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : IntermediaryAgent3
CreditTransferTransaction44 *-- "0..1" CashAccount38 : IntermediaryAgent3Account
CreditTransferTransaction44 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : UltimateDebtor
CreditTransferTransaction44 *-- "1..1" BranchAndFinancialInstitutionIdentification6 : Debtor
CreditTransferTransaction44 *-- "0..1" CashAccount38 : DebtorAccount
CreditTransferTransaction44 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : DebtorAgent
CreditTransferTransaction44 *-- "0..1" CashAccount38 : DebtorAgentAccount
CreditTransferTransaction44 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : CreditorAgent
CreditTransferTransaction44 *-- "0..1" CashAccount38 : CreditorAgentAccount
CreditTransferTransaction44 *-- "1..1" BranchAndFinancialInstitutionIdentification6 : Creditor
CreditTransferTransaction44 *-- "0..1" CashAccount38 : CreditorAccount
CreditTransferTransaction44 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : UltimateCreditor
CreditTransferTransaction44 *-- "0..0" InstructionForCreditorAgent3 : InstructionForCreditorAgent
CreditTransferTransaction44 *-- "0..0" InstructionForNextAgent1 : InstructionForNextAgent
CreditTransferTransaction44 *-- "0..1" IPurpose2Choice : Purpose
CreditTransferTransaction44 *-- "0..1" RemittanceInformation2 : RemittanceInformation
CreditTransferTransaction44 *-- "0..1" CreditTransferTransaction45 : UnderlyingCustomerCreditTransfer
CreditTransferTransaction44 *-- "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
%% CashAccount38 recursion level 1 with max 1
class CashAccount38{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount38 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount38 *-- "0..1" ICashAccountType2Choice : Type
CashAccount38 *-- "0..1" ProxyAccountIdentification1 : Proxy
%% BranchAndFinancialInstitutionIdentification6 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification6 *-- "1..1" FinancialInstitutionIdentification18 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification6 *-- "0..1" BranchData3 : BranchIdentification
%% CashAccount38 recursion level 1 with max 1
class CashAccount38{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount38 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount38 *-- "0..1" ICashAccountType2Choice : Type
CashAccount38 *-- "0..1" ProxyAccountIdentification1 : Proxy
%% BranchAndFinancialInstitutionIdentification6 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification6 *-- "1..1" FinancialInstitutionIdentification18 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification6 *-- "0..1" BranchData3 : BranchIdentification
%% CashAccount38 recursion level 1 with max 1
class CashAccount38{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount38 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount38 *-- "0..1" ICashAccountType2Choice : Type
CashAccount38 *-- "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
%% CashAccount38 recursion level 1 with max 1
class CashAccount38{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount38 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount38 *-- "0..1" ICashAccountType2Choice : Type
CashAccount38 *-- "0..1" ProxyAccountIdentification1 : Proxy
%% BranchAndFinancialInstitutionIdentification6 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification6 *-- "1..1" FinancialInstitutionIdentification18 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification6 *-- "0..1" BranchData3 : BranchIdentification
%% CashAccount38 recursion level 1 with max 1
class CashAccount38{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount38 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount38 *-- "0..1" ICashAccountType2Choice : Type
CashAccount38 *-- "0..1" ProxyAccountIdentification1 : Proxy
%% BranchAndFinancialInstitutionIdentification6 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification6 *-- "1..1" FinancialInstitutionIdentification18 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification6 *-- "0..1" BranchData3 : BranchIdentification
%% CashAccount38 recursion level 1 with max 1
class CashAccount38{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount38 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount38 *-- "0..1" ICashAccountType2Choice : Type
CashAccount38 *-- "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
%% CashAccount38 recursion level 1 with max 1
class CashAccount38{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount38 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount38 *-- "0..1" ICashAccountType2Choice : Type
CashAccount38 *-- "0..1" ProxyAccountIdentification1 : Proxy
%% BranchAndFinancialInstitutionIdentification6 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification6 *-- "1..1" FinancialInstitutionIdentification18 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification6 *-- "0..1" BranchData3 : BranchIdentification
%% CashAccount38 recursion level 1 with max 1
class CashAccount38{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount38 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount38 *-- "0..1" ICashAccountType2Choice : Type
CashAccount38 *-- "0..1" ProxyAccountIdentification1 : Proxy
%% BranchAndFinancialInstitutionIdentification6 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification6 *-- "1..1" FinancialInstitutionIdentification18 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification6 *-- "0..1" BranchData3 : BranchIdentification
%% CashAccount38 recursion level 1 with max 1
class CashAccount38{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount38 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount38 *-- "0..1" ICashAccountType2Choice : Type
CashAccount38 *-- "0..1" ProxyAccountIdentification1 : Proxy
%% BranchAndFinancialInstitutionIdentification6 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification6 *-- "1..1" FinancialInstitutionIdentification18 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification6 *-- "0..1" BranchData3 : BranchIdentification
%% CashAccount38 recursion level 1 with max 1
class CashAccount38{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount38 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount38 *-- "0..1" ICashAccountType2Choice : Type
CashAccount38 *-- "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
}
%% CreditTransferTransaction45 recursion level 1 with max 1
class CreditTransferTransaction45{
InstructedAmount IsoActiveOrHistoricCurrencyAndAmount
}
CreditTransferTransaction45 *-- "0..1" PartyIdentification135 : UltimateDebtor
CreditTransferTransaction45 *-- "0..1" PartyIdentification135 : InitiatingParty
CreditTransferTransaction45 *-- "1..1" PartyIdentification135 : Debtor
CreditTransferTransaction45 *-- "0..1" CashAccount38 : DebtorAccount
CreditTransferTransaction45 *-- "1..1" BranchAndFinancialInstitutionIdentification6 : DebtorAgent
CreditTransferTransaction45 *-- "0..1" CashAccount38 : DebtorAgentAccount
CreditTransferTransaction45 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : PreviousInstructingAgent1
CreditTransferTransaction45 *-- "0..1" CashAccount38 : PreviousInstructingAgent1Account
CreditTransferTransaction45 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : PreviousInstructingAgent2
CreditTransferTransaction45 *-- "0..1" CashAccount38 : PreviousInstructingAgent2Account
CreditTransferTransaction45 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : PreviousInstructingAgent3
CreditTransferTransaction45 *-- "0..1" CashAccount38 : PreviousInstructingAgent3Account
CreditTransferTransaction45 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : IntermediaryAgent1
CreditTransferTransaction45 *-- "0..1" CashAccount38 : IntermediaryAgent1Account
CreditTransferTransaction45 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : IntermediaryAgent2
CreditTransferTransaction45 *-- "0..1" CashAccount38 : IntermediaryAgent2Account
CreditTransferTransaction45 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : IntermediaryAgent3
CreditTransferTransaction45 *-- "0..1" CashAccount38 : IntermediaryAgent3Account
CreditTransferTransaction45 *-- "1..1" BranchAndFinancialInstitutionIdentification6 : CreditorAgent
CreditTransferTransaction45 *-- "0..1" CashAccount38 : CreditorAgentAccount
CreditTransferTransaction45 *-- "1..1" PartyIdentification135 : Creditor
CreditTransferTransaction45 *-- "0..1" CashAccount38 : CreditorAccount
CreditTransferTransaction45 *-- "0..1" PartyIdentification135 : UltimateCreditor
CreditTransferTransaction45 *-- "0..0" InstructionForCreditorAgent3 : InstructionForCreditorAgent
CreditTransferTransaction45 *-- "0..0" InstructionForNextAgent1 : InstructionForNextAgent
CreditTransferTransaction45 *-- "0..1" TaxInformation8 : Tax
CreditTransferTransaction45 *-- "0..1" RemittanceInformation16 : RemittanceInformation
%% SupplementaryData1 recursion level 1 with max 1
class SupplementaryData1{
PlaceAndName IsoMax350Text
}
SupplementaryData1 *-- "1..1" IsoSupplementaryDataEnvelope1 : Envelope
CreditTransferTransaction44 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 immediately prior to the instructing agent. | BranchAndFinancialInstitutionIdentification6 - Optional 0..1 |
| PreviousInstructingAgent1Account | Unambiguous identification of the account of the previous instructing agent at its servicing agent in the payment chain. | CashAccount38 - Optional 0..1 |
| PreviousInstructingAgent2 | Agent immediately prior to the instructing agent. | BranchAndFinancialInstitutionIdentification6 - Optional 0..1 |
| PreviousInstructingAgent2Account | Unambiguous identification of the account of the previous instructing agent at its servicing agent in the payment chain. | CashAccount38 - Optional 0..1 |
| PreviousInstructingAgent3 | Agent immediately prior to the instructing agent. | BranchAndFinancialInstitutionIdentification6 - Optional 0..1 |
| PreviousInstructingAgent3Account | Unambiguous identification of the account of the previous instructing agent at its servicing agent in the payment chain. | CashAccount38 - 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. | CashAccount38 - 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. | CashAccount38 - 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. | CashAccount38 - 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. | CashAccount38 - 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. | CashAccount38 - 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. | CashAccount38 - 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. | CashAccount38 - 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. | CreditTransferTransaction45 - 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 FinancialInstitutionCreditTransferV09 implementation follows a specific implementaiton pattern. First of all, FinancialInstitutionCreditTransferV09 impleemnts IOuterRecord indicating it is the outermost logical part of the message definition. Like all message wrappers, FinancialInstitutionCreditTransferV09Document implements IOuterDocument. Because FinancialInstitutionCreditTransferV09 implements IOuterDocument, it is a suitable template parameter for IOuterDocument, and causes the internal ‘Message’ to be of type FinancialInstitutionCreditTransferV09.
classDiagram
class IOuterRecord
FinancialInstitutionCreditTransferV09 --|> IOuterRecord : Implements
FinancialInstitutionCreditTransferV09Document --|> IOuterDocument~FinancialInstitutionCreditTransferV09~ : Implements
class IOuterDocument~FinancialInstitutionCreditTransferV09~ {
FinancialInstitutionCreditTransferV09 Message
}
Document wrapper for serialization
The only real purpose FinancialInstitutionCreditTransferV09Document serves is to cause the document to be serialized into the ‘urn:iso:std:iso:20022:tech:xsd:pacs.009.001.09’ namespace. Therefore, it will probably be the usual practice to build the message and construct this wrapper at the last minute using FinancialInstitutionCreditTransferV09.ToDocument() method. The returned FinancialInstitutionCreditTransferV09Document value will serialize correctly according to ISO 20022 standards.
classDiagram
FinancialInstitutionCreditTransferV09Document *-- FinancialInstitutionCreditTransferV09 : 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.009.001.09">
<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="_LwDQEcP_Eemsic1bQcEtLA"
nextVersions="_jMaBP9cBEeq_l4BJLVUF2Q"
previousVersion="_x0JY83L4EeidQ_AAdEzxQA"
name="FinancialInstitutionCreditTransferV09"
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="_wRx2w02rEeG_I4xRYCA_7g"
xmlTag="FICdtTrf"
rootElement="Document"
xmlns:xmi="http://www.omg.org/XMI">
<constraint
xmi:id="_LwDQE8P_Eemsic1bQcEtLA"
nextVersions="_jMaBQdcBEeq_l4BJLVUF2Q"
previousVersion="_x0JY9XL4EeidQ_AAdEzxQA"
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="_LwDQFcP_Eemsic1bQcEtLA"
nextVersions="_jMaBQ9cBEeq_l4BJLVUF2Q"
previousVersion="_x0JY93L4EeidQ_AAdEzxQA"
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="_LwDQF8P_Eemsic1bQcEtLA"
nextVersions="_jMaBRdcBEeq_l4BJLVUF2Q"
previousVersion="_x0JY-XL4EeidQ_AAdEzxQA"
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="_LwDQGcP_Eemsic1bQcEtLA"
nextVersions="_jMaBR9cBEeq_l4BJLVUF2Q"
previousVersion="_x0JY-3L4EeidQ_AAdEzxQA"
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="_LwDQG8P_Eemsic1bQcEtLA"
nextVersions="_jMaBSdcBEeq_l4BJLVUF2Q"
previousVersion="_x0JY_XL4EeidQ_AAdEzxQA"
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="_LwDQHcP_Eemsic1bQcEtLA"
nextVersions="_jMaBS9cBEeq_l4BJLVUF2Q"
previousVersion="_x0JY_3L4EeidQ_AAdEzxQA"
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="_LwDQH8P_Eemsic1bQcEtLA"
nextVersions="_jMaBTdcBEeq_l4BJLVUF2Q"
previousVersion="_x0JZAXL4EeidQ_AAdEzxQA"
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="_LwDQIcP_Eemsic1bQcEtLA"
nextVersions="_jMaBT9cBEeq_l4BJLVUF2Q"
previousVersion="_x0JZA3L4EeidQ_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="_LwDQJ8P_Eemsic1bQcEtLA"
nextVersions="_jMaBVdcBEeq_l4BJLVUF2Q"
previousVersion="_x0JZBXL4EeidQ_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="_34stOXL-EeidQ_AAdEzxQA" />
<messageBuildingBlock
xmi:id="_LwDQKcP_Eemsic1bQcEtLA"
nextVersions="_jMaBV9cBEeq_l4BJLVUF2Q"
previousVersion="_x0JZB3L4EeidQ_AAdEzxQA"
name="CreditTransferTransactionInformation"
definition="Set of elements providing information specific to the individual credit transfer(s)."
registrationStatus="Provisionally Registered"
minOccurs="1"
xmlTag="CdtTrfTxInf"
complexType="_RLiL4cQAEemsic1bQcEtLA" />
<messageBuildingBlock
xmi:id="_LwDQK8P_Eemsic1bQcEtLA"
nextVersions="_jMaBWdcBEeq_l4BJLVUF2Q"
previousVersion="_x0JZCXL4EeidQ_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="009"
flavour="001"
version="09" />
</messageDefinition>
ISO Building Blocks
The following items are used as building blocks to construct this message.