CreditorPaymentActivationRequestV09

pain.013.001.09

The CreditorPaymentActivationRequest message is sent by the Creditor sending party to the Debtor receiving party, directly or through agents. It is used by a Creditor to request movement of funds from the debtor account to a creditor.

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
%% CreditorPaymentActivationRequestV09 recursion level 0 with max 0
CreditorPaymentActivationRequestV09 *-- "1..1" GroupHeader78 : GroupHeader
CreditorPaymentActivationRequestV09 *-- "1..1" PaymentInstruction41 : PaymentInformation
CreditorPaymentActivationRequestV09 *-- "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
%% GroupHeader78 recursion level 0 with max 1
class GroupHeader78{
    MessageIdentification IsoMax35Text
    CreationDateTime IsoISODateTime
    NumberOfTransactions IsoMax15NumericText
    ControlSum IsoDecimalNumber
}
GroupHeader78 *-- "1..1" PartyIdentification135 : InitiatingParty
%% 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
  

GroupHeader78 members

Member name Description Data Type / Multiplicity
MessageIdentification Point to point reference 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. IsoMax35Text - Required 1..1
CreationDateTime Date and time at which the message was created. IsoISODateTime - Required 1..1
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
InitiatingParty Party initiating the creditor payment activation request. This can either be the creditor himself or the party that initiates the request on behalf of the creditor. PartyIdentification135 - Required 1..1

PaymentInformation building block

Set of characteristics that applies to the debit side of the payment transactions included in the creditor payment initiation. Instruction to pay an amount of money to an ultimate beneficiary, on behalf of an originator. This instruction may have to be forwarded several times to complete the settlement chain. For comparison, see the ISO20022 official specification

classDiagram
   direction tb
%% PaymentInstruction41 recursion level 0 with max 1
class PaymentInstruction41{
    PaymentInformationIdentification IsoMax35Text
    PaymentMethod PaymentMethod7Code
    ChargeBearer ChargeBearerType1Code
}
PaymentInstruction41 *-- "0..1" AdviceType1 : RequestedAdviceType
PaymentInstruction41 *-- "0..1" PaymentTypeInformation26 : PaymentTypeInformation
PaymentInstruction41 *-- "1..1" IDateAndDateTime2Choice : RequestedExecutionDate
PaymentInstruction41 *-- "0..1" IDateAndDateTime2Choice : ExpiryDate
PaymentInstruction41 *-- "0..1" PaymentCondition1 : PaymentCondition
PaymentInstruction41 *-- "1..1" PartyIdentification135 : Debtor
PaymentInstruction41 *-- "0..1" CashAccount40 : DebtorAccount
PaymentInstruction41 *-- "1..1" BranchAndFinancialInstitutionIdentification6 : DebtorAgent
PaymentInstruction41 *-- "0..1" PartyIdentification135 : UltimateDebtor
PaymentInstruction41 *-- "1..0" CreditTransferTransaction55 : CreditTransferTransaction
%% AdviceType1 recursion level 1 with max 1
AdviceType1 *-- "0..1" IAdviceType1Choice : CreditAdvice
AdviceType1 *-- "0..1" IAdviceType1Choice : DebitAdvice
%% PaymentTypeInformation26 recursion level 1 with max 1
class PaymentTypeInformation26{
    InstructionPriority Priority2Code
}
PaymentTypeInformation26 *-- "0..0" IServiceLevel8Choice : ServiceLevel
PaymentTypeInformation26 *-- "0..1" ILocalInstrument2Choice : LocalInstrument
PaymentTypeInformation26 *-- "0..1" ICategoryPurpose1Choice : CategoryPurpose
%% IDateAndDateTime2Choice recursion level 1 with max 1
%% IDateAndDateTime2Choice recursion level 1 with max 1
%% PaymentCondition1 recursion level 1 with max 1
class PaymentCondition1{
    AmountModificationAllowed IsoTrueFalseIndicator
    EarlyPaymentAllowed IsoTrueFalseIndicator
    DelayPenalty IsoMax140Text
    GuaranteedPaymentRequested IsoTrueFalseIndicator
}
PaymentCondition1 *-- "0..1" IAmountOrRate1Choice : ImmediatePaymentRebate
%% 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
%% 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
%% CreditTransferTransaction55 recursion level 1 with max 1
class CreditTransferTransaction55{
    ChargeBearer ChargeBearerType1Code
}
CreditTransferTransaction55 *-- "1..1" PaymentIdentification6 : PaymentIdentification
CreditTransferTransaction55 *-- "0..1" PaymentTypeInformation26 : PaymentTypeInformation
CreditTransferTransaction55 *-- "0..1" PaymentCondition1 : PaymentCondition
CreditTransferTransaction55 *-- "1..1" IAmountType4Choice : Amount
CreditTransferTransaction55 *-- "0..1" CreditTransferMandateData1 : MandateRelatedInformation
CreditTransferTransaction55 *-- "0..1" Cheque11 : ChequeInstruction
CreditTransferTransaction55 *-- "0..1" PartyIdentification135 : UltimateDebtor
CreditTransferTransaction55 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : IntermediaryAgent1
CreditTransferTransaction55 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : IntermediaryAgent2
CreditTransferTransaction55 *-- "0..1" BranchAndFinancialInstitutionIdentification6 : IntermediaryAgent3
CreditTransferTransaction55 *-- "1..1" BranchAndFinancialInstitutionIdentification6 : CreditorAgent
CreditTransferTransaction55 *-- "1..1" PartyIdentification135 : Creditor
CreditTransferTransaction55 *-- "0..1" CashAccount40 : CreditorAccount
CreditTransferTransaction55 *-- "0..1" PartyIdentification135 : UltimateCreditor
CreditTransferTransaction55 *-- "0..0" InstructionForCreditorAgent3 : InstructionForCreditorAgent
CreditTransferTransaction55 *-- "0..1" IPurpose2Choice : Purpose
CreditTransferTransaction55 *-- "0..10" RegulatoryReporting3 : RegulatoryReporting
CreditTransferTransaction55 *-- "0..1" TaxInformation10 : Tax
CreditTransferTransaction55 *-- "0..10" RemittanceLocation7 : RelatedRemittanceInformation
CreditTransferTransaction55 *-- "0..1" RemittanceInformation21 : RemittanceInformation
CreditTransferTransaction55 *-- "0..0" Document12 : EnclosedFile
CreditTransferTransaction55 *-- "0..0" SupplementaryData1 : SupplementaryData
  

PaymentInstruction41 members

Member name Description Data Type / Multiplicity
PaymentInformationIdentification Reference assigned by a sending party to unambiguously identify the payment information block within the message. IsoMax35Text - Optional 0..1
PaymentMethod Specifies the means of payment that will be used to move the amount of money. PaymentMethod7Code - Required 1..1
RequestedAdviceType Type of advice details requested. AdviceType1 - Optional 0..1
PaymentTypeInformation Set of elements used to further specify the type of transaction. PaymentTypeInformation26 - Optional 0..1
RequestedExecutionDate Date at which the initiating party requests the clearing agent to process the payment. If payment by cheque, the date when the cheque must be generated by the bank. Usage: This is the date on which the debtor’s account(s) is (are) to be debited. IDateAndDateTime2Choice - Required 1..1
ExpiryDate Date by which the debtor must have accepted or rejected the request. Usage: Beyond this date, the request becomes void and cannot be processed anymore. IDateAndDateTime2Choice - Optional 0..1
PaymentCondition Conditions for the execution of the payment. PaymentCondition1 - Optional 0..1
Debtor Party that owes an amount of money to the (ultimate) creditor. PartyIdentification135 - Required 1..1
DebtorAccount Account used to process charges associated with a transaction. CashAccount40 - Optional 0..1
DebtorAgent Financial institution servicing an account for the debtor. BranchAndFinancialInstitutionIdentification6 - Required 1..1
UltimateDebtor Ultimate party that owes an amount of money to the (ultimate) creditor. PartyIdentification135 - Optional 0..1
ChargeBearer Specifies which party/parties will bear the charges associated with the processing of the payment transaction. ChargeBearerType1Code - Optional 0..1
CreditTransferTransaction Payment processes required to transfer cash from the debtor to the creditor. CreditTransferTransaction55 - Unknown 1..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 CreditorPaymentActivationRequestV09 implementation follows a specific implementaiton pattern. First of all, CreditorPaymentActivationRequestV09 impleemnts IOuterRecord indicating it is the outermost logical part of the message definition. Like all message wrappers, CreditorPaymentActivationRequestV09Document implements IOuterDocument. Because CreditorPaymentActivationRequestV09 implements IOuterDocument, it is a suitable template parameter for IOuterDocument, and causes the internal ‘Message’ to be of type CreditorPaymentActivationRequestV09.

classDiagram
    class IOuterRecord
    CreditorPaymentActivationRequestV09 --|> IOuterRecord : Implements
    CreditorPaymentActivationRequestV09Document --|> IOuterDocument~CreditorPaymentActivationRequestV09~ : Implements
    class IOuterDocument~CreditorPaymentActivationRequestV09~ {
        CreditorPaymentActivationRequestV09 Message
     }
  

Document wrapper for serialization

The only real purpose CreditorPaymentActivationRequestV09Document serves is to cause the document to be serialized into the ‘urn:iso:std:iso:20022:tech:xsd:pain.013.001.09’ namespace. Therefore, it will probably be the usual practice to build the message and construct this wrapper at the last minute using CreditorPaymentActivationRequestV09.ToDocument() method. The returned CreditorPaymentActivationRequestV09Document value will serialize correctly according to ISO 20022 standards.

classDiagram
    CreditorPaymentActivationRequestV09Document *-- CreditorPaymentActivationRequestV09 : 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:pain.013.001.09">
    <CdtrPmtActvtnReq>
        <GrpHdr>
            <!-- GroupHeader inner content -->
        </GrpHdr>
        <PmtInf>
            <!-- PaymentInformation inner content -->
        </PmtInf>
        <SplmtryData>
            <!-- SupplementaryData inner content -->
        </SplmtryData>
    </CdtrPmtActvtnReq>
</Document>

Data from ISO specification

This is the technical data from the specification document.

<messageDefinition
  xmi:id="_CUbemdcBEeq_l4BJLVUF2Q"
  nextVersions="_XXWvgQLFEe2X55dNQNVKfg"
  previousVersion="_Lv8ilcP_Eemsic1bQcEtLA"
  name="CreditorPaymentActivationRequestV09"
  definition="The CreditorPaymentActivationRequest message is sent by the Creditor sending party to the Debtor receiving party, directly or through agents. It is used by a Creditor to request movement of funds from the debtor account to a creditor."
  registrationStatus="Registered"
  messageSet="_wRx2wk2rEeG_I4xRYCA_7g"
  xmlTag="CdtrPmtActvtnReq"
  rootElement="Document"
  xmlns:xmi="http://www.omg.org/XMI">
  <constraint
    xmi:id="_CUbem9cBEeq_l4BJLVUF2Q"
    nextVersions="_XXWvgwLFEe2X55dNQNVKfg"
    previousVersion="_Lv8il8P_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="_CUbeodcBEeq_l4BJLVUF2Q"
    nextVersions="_XXWvkQLFEe2X55dNQNVKfg"
    previousVersion="_Lv8incP_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="_DhqGyW49EeiU9cctagi5ow" />
  <messageBuildingBlock
    xmi:id="_CUbeo9cBEeq_l4BJLVUF2Q"
    nextVersions="_XXWvkwLFEe2X55dNQNVKfg"
    previousVersion="_Lv8in8P_Eemsic1bQcEtLA"
    name="PaymentInformation"
    definition="Set of characteristics that applies to the debit side of the payment transactions included in the creditor payment initiation."
    registrationStatus="Provisionally Registered"
    minOccurs="1"
    xmlTag="PmtInf"
    complexType="_faapUdcZEeqRFcf2R4bPBw" />
  <messageBuildingBlock
    xmi:id="_CUbepdcBEeq_l4BJLVUF2Q"
    nextVersions="_XXWvlQLFEe2X55dNQNVKfg"
    previousVersion="_Lv8iocP_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="pain"
    messageFunctionality="013"
    flavour="001"
    version="09" />
</messageDefinition>

ISO Building Blocks

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