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.