The Pain.001.001.02 as described in the SEPA implementation guidelines – EPC132-08-C2B-CTIG-V3.3-Approved (Published in 2009). Use the search box on the top right of the table to find specific information. Back to the payment messages page.
Index Mult Message Element SEPA Core Requirements 1.0 [1..1] + Group Header 1.1 [1..1] ++Message Identification 1.2 [1..1] ++Creation Date Time 1.3 [0..2] ++Autorisation 1.4 [0..1] ++ Batch Booking Shaded yellow
Usage Rule: If present and contains ‘TRUE’, batch booking is requested. If present and contains ‘FALSE’, booking per transaction is requested.
Usage Rule: If element is not present, pre-agreed customer-to-bank conditions apply. 1.5 [1..1] ++ Number Of Transactions 1.6 [0..1] ++ Control Sum Shaded yellow 1.7 [1..1] ++ Grouping Usage Rule: Only ‘MIXD’ is allowed. 1.8 [1..1] ++Initiating Party 1.8 [0..1] +++Name Shaded yellow 1.8 [0..1] +++Postal Address 1.8 [0..1] +++Identification Shaded yellow 1.8 {Or ++++Organisation Identification Shaded yellow
Format Rule: Only one sub-element of ‘Organisation Identification’ may be present. 1.8 Or} ++++Private Identification Shaded yellow
Format Rule: Only one occurrence of ‘Private Identification’ may be present. 1.8 [0..1] +++Country Of Residence 1.9 [0..1] ++ Forwarding Agent 2.0 [1..n] + Payment Information 2.1 [0..1] ++ Payment Information Identification Shaded yellow
Usage rule: It is recommended to provide Payment Information Identification. 2.2 [1..1] ++ Payment Method Usage Rule: Only ‘TRF’ is allowed. 2.3 [0..1] ++ Payment Type Information Usage Rule: If used, it is recommended to be used only at ‘Payment Information’ level and not at Credit Transfer Transaction Information’ level.
Usage Rule: When Instruction Priority is to be used, ‘Payment Type Information’ must be present at ‘Payment Information’ level. 2.4 [0..1] +++Instruction Priority Shaded yellow
Usage Rule: If present, pre-agreed customer-tobank conditions apply. 2.5 {Or +++Service Level Usage Rule: Usage is recommended. 2.6 {Or ++++Code (AT-40 Identification code of the Scheme)
Usage Rule: Only ‘SEPA’ is allowed. 2.7 Or} ++++Proprietary 2.8 Or} +++Clearing Channel 2.9 [0..1] +++Local Instrument 2.12 [0..1] +++Category Purpose (AT-45 Category purpose of the Credit Transfer)
Usage Rule: Depending on the agreement between the Originator and the Originator Bank, ‘Category Purpose’ may be forwarded to the Beneficiary Bank. 2.13 [1..1] ++ Requested Execution Date (AT-07 Requested Execution Date of the Instruction) 2.14 [0..1] ++Pooling Adjustment Date 2.15 [1..1] ++Debtor 2.15 [0..1] +++Name Mandatory
(AT-02 Name of the Originator) 2.15 [0..1] +++Postal Address (AT-03 Address of the Originator) 2.15 [0..1] ++++Address Type 2.15 [0..5] ++++Address Line Usage Rule: Only two occurrences of ‘Address Line’ are allowed. 2.15 [0..1] ++++Street Name 2.15 [0..1] ++++Building Number 2.15 [0..1] ++++Post Code 2.15 [0..1] ++++Town Name 2.15 [0..1] ++++Country Subdivision 2.15 [1..1] ++++Country 2.15 [0..1] +++Identification (AT-10 Originator Identification Code) 2.15 {Or ++++Organisation Identification Format Rule: Only one sub-element of ‘Organisation Identification’ may be present. 2.15 Or} ++++Private Identification Format Rule: Only one occurrence of ‘Private Identification’ may be present. 2.15 [0..1] +++Country of Residence 2.16 [1..1] ++ Debtor Account (AT-01 Account Number of the Originator) 2.16 [1..1] +++Identification Shaded yellow
Usage Rule: Only IBAN is allowed. 2.16 [0..1] +++Type 2.16 [0..1] +++Currency Shaded yellow 2.16 [0..1] +++Name 2.17 [1..1] ++ Debtor Agent Usage Rule: Only BIC is allowed.
Usage Rule: BIC must be specified as a stand alone element and not part of ‘Combined Identification’. 2.18 [0..1] ++ Debtor Agent Account 2.19 [0..1] ++ Ultimate Debtor Usage Rule: This data element may be present either at ‘Payment Information’ or at ‘Credit Transfer Transaction Information’ level. 2.19 [0..1] +++Name (AT-08 Name of the Originator Reference Party) 2.19 [0..1] +++Postal Address 2.19 [0..1] +++Identification (AT-09 Identification code of the Originator Reference Party) 2.19 {Or ++++Organisation Identification Format Rule: Only one sub-element of ‘Organisation Identification’ may be present. 2.19 Or} ++++Private Identification Format Rule: Only one occurrence of ‘Private Identification’ may be present. 2.19 [0..1] +++Country of Residence 2.20 [0..1] ++ Charge Bearer Usage Rule: Only ‘SLEV’ is allowed.
Usage Rule: It is recommended that this element be specified at ‘Payment Information’ level. 2.21 [0..1] ++ Charges Account 2.22 [0..1] ++ Charges Account Agent 2.23 [1..n] ++ Credit Transfer Transaction Information 2.24 [1..1] +++Payment Identification 2.25 [0..1] ++++Instruction Identification Shaded yellow 2.26 [1..1] ++++End to End Identification (AT-41 Originator’s Reference to the Credit Transfer) 2.27 [0..1] +++Payment Type Information Usage Rule: If used, it is recommended to be used at ‘Payment Information’ level and not at ‘Credit Transfer Transaction Information’ level. 2.28 [0..1] ++++Instruction Priority 2.29 {Or ++++Service Level Usage Rule: Usage is recommended 2.30 {Or +++++Code (AT-40 Identification code of the Scheme)
Usage Rule: Only ‘SEPA’ is allowed. 2.31 Or} +++++Proprietary 2.32 Or} ++++Clearing Channel 2.33 [0..1] ++++Local Instrument 2.36 [0..1] ++++Category Purpose (AT-45 Category purpose of the Credit Transfer)
Usage Rule: Depending on the agreement between the Originator and the Originator Bank, ‘Category Purpose’ may be forwarded to the Beneficiary Bank. 2.37 [1..1] +++Amount 2.38 {Or ++++Instructed Amount (AT-04 Amount of the Credit Transfer in Euro)
Usage Rule: Only ‘EUR’ is allowed.
Usage Rule: Amount must be 0.01 or more and 999999999.99 or less.
Format Rule: The fractional part has a maximum of two digits. 2.39 Or} ++++Equivalent Amount 2.42 [0..1] +++Exchange Rate Information 2.46 [0..1] +++Charge Bearer Usage Rule: Only ‘SLEV’ is allowed.
Usage Rule: It is recommended that this element be specified at ‘Payment Information’ level. 2.47 [0..1] +++Cheque Instruction 2.48 [0..1] +++Ultimate Debtor Usage Rule: This data element may be present either at ‘Payment Information’ or at ‘Credit Transfer Transaction Information’ level. 2.48 [0..1] ++++Name (AT-08 Name of the Originator Reference Party) 2.48 [0..1] ++++Postal Address 2.48 [0..1] ++++Identification (AT-09 Identification Code of the Originator Reference Party) 2.48 {Or +++++Organisation Identification Format Rule: Only one sub-element of ‘Organisation Identification’ may be present. 2.48 Or} +++++Private Identification Format Rule: Only one occurrence of ‘Private Identification’ may be present. 2.48 [0..1] ++++Country of Residence 2.49 [0..1] +++Intermediary Agent 1 2.50 [0..1] +++ Intermediary Agent 1 Account 2.51 [0..1] +++Intermediary Agent 2 2.52 [0..1] +++ Intermediary Agent 2 Account 2.53 [0..1] +++Intermediary Agent 3 2.54 [0..1] +++ Intermediary Agent 3 Account 2.55 [0..1] +++Creditor Agent (AT-23 BIC of the Beneficiary Bank)
Usage Rule: Only BIC is allowed.
Usage Rule: BIC must be specified as a stand alone element and not as part of ‘Combined Identification’. 2.56 [0..1] +++Creditor Agent Account 2.57 [0..1] +++Creditor Mandatory 2.57 [0..1] ++++Name Mandatory
(AT-21 Name of the Beneficiary) 2.57 [0..1] ++++Postal Address (AT-22 Address of the Beneficiary) 2.57 [0..1] +++++Address Type 2.57 [0..5] +++++Address Line Usage Rule: Only two occurrences are allowed. 2.57 [0..1] +++++Street Name 2.57 [0..1] +++++Building Number 2.57 [0..1] +++++Post Code 2.57 [0..1] +++++Town Name 2.57 [0..1] +++++Country Subdivision 2.57 [1..1] +++++Country 2.57 [0..1] ++++Identification (AT-24 Beneficiary Identification Code) 2.57 {Or +++++Organisation Identification Format Rule: Only one sub-element of ‘Organisation Identification’ may be present. 2.57 Or} +++++Private Identification Format Rule: Only one occurrence of ‘Private Identification’ may be present. 2.57 [0..1] ++++Country of Residence 2.58 [0..1] +++Creditor Account Mandatory
(AT-20 Account number of the Beneficiary)
Usage Rule: Only IBAN is allowed. 2.59 [0..1] +++Ultimate Creditor 2.59 [0..1] ++++Name (AT-28 Name of the Beneficiary Reference Party) 2.59 [0..1] ++++Postal Address 2.59 [0..1] ++++Identification (AT-29 Identification Code of the Beneficiary Reference Party). 2.59 {Or +++++Organisation Identification Format Rule: Only one sub-element of ‘Organisation Identification’ may be present. 2.59 Or} +++++Private Identification Format Rule: Only one occurrence of ‘Private Identification’ may be present. 2.59 [0..1] ++++Country of Residence 2.60 [0..n] +++Instruction for Creditor Agent 2.63 [0..1] +++Instruction for Debtor Agent 2.64 [0..1] +++Purpose (AT-44 Purpose of the Credit Transfer) 2.65 {Or ++++Code Usage Rule: Only codes from the ISO 20022 ExternalPurposeCode list are allowed. See http://www.iso20022.org/Payments_External_Code_Lists.page 2.66 Or} ++++Proprietary 2.67 [0..10] +++Regulatory Reporting 2.76 [0..1] +++Tax 2.77 [0..10] +++Related Remittance Information 2.84 [0..1] +++Remittance Information (AT-05 Remittance Information)
Usage Rule: Either ‘Structured’ or ‘Unstructured’ may be present. 2.85 [0..n] ++++Unstructured Usage Rule: ‘Unstructured’ may carry structured remittance information, as agreed between the Originator and the Beneficiary.
Format Rule: Only one occurrence of ‘Unstructured’ is allowed. 2.86 [0..n] ++++Structured Format Rule: ‘Structured’ can be used, provided the tags and the data within the ‘Structured’ element do not exceed 140 characters in length.
Format Rule: Only one occurrence of ‘Structured’ is allowed. 2.87 [0..1] +++++Referred Document Information 2.93 [0..1] +++++Referred Document Related Date 2.94 [0..n] +++++Referred Document Amount 2.100 [0..1] +++++Creditor Reference Information Usage Rule: When present, the Debtor Bank is not obliged to validate the the reference information.
Usage Rule: When used both ‘’Creditor Reference Type’ and ‘Creditor Reference’ must be present. 2.101 [0..1] ++++++Creditor Reference Type 2.102 {Or +++++++Code Usage Rule: Only ‘SCOR’ is allowed. 2.103 Or} +++++++Proprietary 2.104 [0..1] +++++++Issuer 2.105 [0..1] ++++++Creditor Reference Usage Rule: If a Creditor Reference contains a check digit, the receiving bank is not required to validate this.
Usage Rule: If the receiving bank validates the check digit and if this validation fails, the bank may continue its processing and send the transaction to the next party in the chain 2.106 [0..1] +++++Invoicer 2.107 [0..1] +++++Invoicee 2.108 [0..1] +++++Additional Remittance Information
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