The Pain.008.001.01 as described in the SDD Core implementation guidelines – EPC130-08-C2B-Core-DDIG-V3.4-Approved (Published in 2009). Use the search box above 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] ++Authorisation 1.4 [0..1] ++Batch Booking 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 1.7 [1..1] ++Grouping Usage Rule: Only ‘MIXD’ is allowed. 1.8 [1..1] ++Initiating Party 1.8 [0..1] +++Name 1.8 [0..1] +++Postal Address 1.8 [0..1] +++Identification 1.8 {Or ++++Organisation Identification Format Rule: Only one sub-element of ‘Organisation Identification’ may be present.
Usage Rule: This element is not to be used to specify Creditor Scheme Identification. 1.8 Or} ++++Private Identification Format Rule: Only one occurrence of ‘Private Identification’ may be present.
Usage Rule: This element is not to be used to specify Creditor Scheme Identification. 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 Usage rule: It is recommended to provide ‘Payment Information Identification’. 2.2 [1..1] ++Payment Method 2.3 [0..1] ++Payment Type Information Mandatory 2.4 [0..1] +++Instruction Priority 2.5 {Or +++Service Level Mandatory 2.6 {Or ++++Code (AT-20 The 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 Mandatory 2.10 {Or ++++Code (AT-20 The identification code of the Scheme)
Usage Rule: Only ‘CORE’ is allowed. ‘CORE’ is used to indicate a Core direct debit.
Usage Rule: The mixing of Core Direct Debits and Business-to-Business Direct Debits is not allowed in the same message. 2.11 Or} ++++Proprietary 2.12 [0..1] +++Sequence Type Mandatory
(AT-21 Transaction Type)
Usage Rule: If ‘Amendment Indicator’ is ‘TRUE’, and ‘Original Debtor Agent’ is set to ‘SMNDA’, this message element must indicate ‘FRST’. 2.13 [0..1] +++Category Purpose (AT-59 Category purpose of the Collection)
Usage Rule: Depending on the agreement between the Creditor and the Creditor Bank, ‘Category Purpose’ may be forwarded to the Debtor Bank. 2.14 [1..1] ++Requested Collection Date (AT-11 Due Date of the Collection) 2.15 [1..1] ++Creditor 2.15 [0..1] +++Name Mandatory
(AT-03 Name of the Creditor) 2.15 [0..1] +++Postal Address (AT-05 Address of the Creditor) 2.15 [0..1] ++++Address Type 2.15 [0..5] ++++Address Line Usage Rule: Only two occurrences of 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 2.15 [0..1] +++Country of Residence 2.16 [1..1] ++Creditor Account (AT-04 Account Number of the Creditor). 2.16 [1..1] +++Identification Usage Rule: Only IBAN is allowed. 2.16 [0..1] +++Type 2.16 [0..1] +++Currency 2.16 [0..1] +++Name 2.17 [1..1] ++Creditor 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] ++Creditor Agent Account 2.19 [0..1] ++Ultimate Creditor Usage Rule: This data element may be present either at ‘Payment Information’ or at ‘Direct Debit Transaction Information’ level. 2.19 [0..1] +++Name (AT-38 Name of the Creditor Reference Party) 2.19 [0..1] +++Postal Address 2.19 [0..1] +++Identification (AT-39 Identification code of the Creditor 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] ++Direct Debit Transaction Information 2.24 [1..1] +++Payment Identification 2.25 [0..1] ++++Instruction Identification 2.26 [1..1] ++++End To End Identification (AT-10 Creditor’s reference of the direct debit Collection) 2.27 [0..1] +++Payment Type Information 2.38 [1..1] +++Instructed Amount (AT-06 Amount of the Collection 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 [0..1] +++Charge Bearer Usage Rule: Only ‘SLEV’ is allowed. 2.40 [0..1] +++Direct Debit Transaction Mandatory 2.41 [0..1] ++++Mandate Related Information Mandatory 2.42 [0..1] +++++Mandate Identification Mandatory
(AT-01 Unique Mandate Reference) 2.43 [0..1] +++++Date Of Signature Mandatory
(AT-25 Date of Signing of the Mandate) 2.44 [0..1] +++++Amendment Indicator 2.45 [0..1] +++++Amendment Information Details (AT-24 Reason for Amendment of the Mandate)
Usage Rule: Mandatory if ‘Amendment Indicator’ is ‘TRUE’.
The reason code from the Rulebook is indicated using one of the following message sub-elements. 2.46 [0..1] ++++++Original Mandate Identification (AT-19 Unique Mandate Reference as given by the Original Creditor who issued the Mandate)
Usage Rule: Mandatory if changes occur in ‘Mandate Identification’, otherwise not to be used. 2.47 [0..1] ++++++Original Creditor Scheme Identification Usage Rule: Mandatory if changes occur in ‘Creditor Scheme Identification’ and or ‘Creditor Scheme Name’, otherwise not to be used. 2.47 [0..1] +++++++Name (Original AT-03 Name of the Creditor)
Usage Rule: If present the new’ Name’ must be specified under ‘Creditor’. 2.47 [0..1] +++++++Postal Address 2.47 [0..1] +++++++Identification (AT-18 Identifier of the original Creditor who issued the Mandate) 2.47 {Or ++++++++Organisation Identification 2.47 Or} ++++++++Private Identification Usage Rule: Private Identification is used to identify either an organisation or a private person.
Usage Rule: ‘Identification Type’ under ‘Other Identification must’ specify ‘SEPA’.
Usage Rule: ‘Identification’ under ‘Other Identification’ must be used with an identifier described in General Message Element Specifications, Chapter 1.5.2.
Usage Rule: Only one occurrence of ‘Private Identification’ is allowed. 2.47 [0..1] +++++++Country of Residence 2.48 [0..1] ++++++Original Creditor Agent 2.49 [0..1] ++++++Original Creditor Agent Account 2.50 [0..1] ++++++Original Debtor 2.51 [0..1] ++++++Original Debtor Account Usage Rule: Only IBAN allowed.
Usage Rule: To be used only for changes of accounts within the same bank. 2.52 [0..1] ++++++Original Debtor Agent Usage Rule: To use ‘Proprietary Identification’ with code ‘SMNDA’ to indicate same mandate with new Debtor Agent.
Usage Rule: To be used with the ‘FRST’ indicator in the ‘Sequence Type’. 2.53 [0..1] ++++++Original Debtor Agent Account 2.54 [0..1] ++++++Original Final Collection Date 2.55 [0..1] ++++++Original Frequency 2.56 [0..1] +++++Electronic Signature (AT-16 Placeholder for the electronic signature data, if applicable)
(AT-17 Type of Mandate (paper, e-Mandate))
(AT-60 Reference of the validation made by the Debtor Bank (if present in DS-03))
Usage Rule: If the direct debit is based on an EPC electronic mandate, this data element must contain AT-60 which is the reference to the Mandate Acceptance Report made by the Debtor Bank.
Usage Rule: This element is not to be used if the mandate is a paper mandate. 2.57 [0..1] +++++First Collection Date 2.58 [0..1] +++++Final Collection Date 2.59 [0..1] +++++Frequency 2.60 [0..1] ++++Creditor Scheme Identification Mandatory
Usage Rule: It is recommended that all transactions within the same ‘Payment Information’ block have the same ‘Creditor Scheme Identification’. 2.60 [0..1] +++++Name 2.60 [0..1] +++++Postal Address 2.60 [0..1] +++++Identification Mandatory
(AT-02 Identifier of the Creditor) 2.60 {Or ++++++Organisation Identification 2.60 Or} ++++++Private Identification Usage Rule: Private Identification is used to identify either an organisation or a private person.
Usage Rule: ‘Identification Type’ under ‘Other Identification’ must specify ‘SEPA’.
Usage Rule: ‘Identification’ under ‘Other Identification’ is allowed using an identifier described in General Message Element Specifications, Chapter 1.5.2.
Usage Rule: Only one occurrence of ‘Private Identification’ is allowed. 2.60 [0..1] +++++Country of Residence 2.61 [0..1] ++++Pre Notification Identification 2.62 [0..1] ++++Pre Notification Date 2.63 [0..1] +++Ultimate Creditor Usage Rule: This data element may be present either at ‘Payment Information’ or at ‘Direct Debit Transaction Information’ level. 2.63 [0..1] ++++Name (AT-38 Name of the Creditor Reference Party) 2.63 [0..1] ++++Postal Address 2.63 [0..1] ++++Identification (AT-39 Identification code of the Creditor Reference Party) 2.63 {Or +++++Organisation Identification Format Rule: Only one sub-element of ‘Organisation Identification’ may be present. 2.63 Or} +++++Private Identification Format Rule: Only one occurrence of ‘Private Identification’ may be present. 2.63 [0..1] ++++Country of Residence 2.64 [1..1] +++Debtor Agent (AT-13 BIC of the Debtor 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’. 2.65 [0..1] +++Debtor Agent Account 2.66 [1..1] +++Debtor 2.66 [0..1] ++++Name Mandatory
(AT-14 Name of the Debtor) 2.66 [0..1] ++++Postal Address (AT-09 Address of the Debtor) 2.66 [0..1] +++++Address Type 2.66 [0..5] +++++Address Line Usage Rule: Only two occurrences are allowed. 2.66 [0..1] +++++Street Name 2.66 [0..1] +++++Building Numb 2.66 [0..1] +++++Post Code 2.66 [0..1] +++++Town Name 2.66 [0..1] +++++Country Subdivision 2.66 [1..1] +++++Country 2.66 [0..1] ++++Identification (AT-27 Debtor identification code) 2.66 {Or +++++Organisation Identification Format Rule: Only one sub-element of ‘Organisation Identification’ may be present. 2.66 Or} +++++Private Identification Format Rule: Only one occurrence of ‘Private Identification’ may be present. 2.66 [0..1] ++++Country of Residence 2.67 [1..1] +++Debtor Account (AT-07 Account Number of the Debtor)
Usage Rule: Only IBAN is allowed. 2.68 [0..1] +++Ultimate Debtor Usage Rule: Mandatory, if provided by the Debtor in the Mandate. 2.68 [0..1] ++++Name (AT-15 Name of the Debtor Reference Party) 2.68 [0..1] ++++Postal Address 2.68 [0..1] ++++Identification (AT-37 Identification code of the Debtor Reference Party) 2.68 {Or +++++Organisation Identification Format Rule: Only one sub-element of ‘Organisation Identification’ may be present. 2.68 Or} +++++Private Identification Format Rule: Only one occurrence of ‘Private Identification’ may be present. 2.68 [0..1] ++++Country of Residence 2.69 [0..1] +++Instruction for Creditor Agent 2.70 [0..1] +++Purpose (AT-58 Purpose of the Collection) 2.71 {Or ++++Code Usage Rule: Only codes from the ISO 20022
ExternalPurposeCode list are allowed. See http://www.iso20022.org/Payments_External_Code_Lists.page 2.72 Or} ++++Proprietary 2.73 [0..10] +++Regulatory Reporting 2.82 [0..1] +++Tax 2.83 [0..10] +++Related Remittance Information 2.90 [0..1] +++Remittance Information (AT-22 Remittance information from the Creditor)
Usage Rule: Either ‘Structured’ or ‘Unstructured’, may be present. 2.91 [0..n] ++++Unstructured Usage Rule: ‘Unstructured’ may carry structured remittance information, as agreed between the Creditor and the Debtor.
Format Rule: Only one occurrence of ‘Unstructured’ is allowed. 2.92 [0..n] ++++Structured Usage 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. 2.93 [0..1] +++++Referred Document Information 2.99 [0..1] +++++Referred Document Related Date 2.100 [0..n] +++++Referred Document Amount 2.106 [0..1] +++++Creditor Reference Information Usage Rule: When present, the Creditor Bank is not obliged to validate the reference information.
Usage Rule: When used, both ‘Creditor Reference Type’ and ‘Creditor Reference’ must be present. 2.107 [0..1] ++++++Creditor Reference Type 2.108 {Or +++++++Code Usage Rule :Only ‘SCOR’ is allowed. 2.109 Or} +++++++Proprietary 2.110 [0..1] +++++++Issuer 2.111 [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. 2.112 [0..1] +++++Invoicer 2.113 [0..1] +++++Invoicee 2.114 [0..1] +++++Additional Remittance Information
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