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The Deutsche Bundesbank’s technical specifications for the
clearing and settlement of interbank SEPA credit transfers
via the RPS SEPA-Clearer
(“SCT/BCT/SCL technical specifications”)
Version 2.4 valid from 30 September 2013
Notes on the English translation
This translation has been prepared with the greatest possible care; however,
in case of doubt, the German text is the authoritative version.
SCT/BCT/SCL technical specifications, version 2.4
Page 1 of 42
Contents
Inhaltsverzeichnis ................................................................................................................................. 2 1 Introduction ................................................................................................................................... 5 2 Duplication check ......................................................................................................................... 5 3 Daily reconciliation report for credit transfers (DRC) ............................................................... 8 3.1 DRC header ................................................................................................................................ 8 3.2 DRC (pacs.008) credit transfer bulks sent body ........................................................................ 9 3.3 DRC (pacs.004) return bulks sent body ................................................................................... 10 3.4 DRC (camt.056) payment cancellation requests sent body ..................................................... 11 3.5 DRC (camt.056) resolutions of investigation (ROIs) sent body................................................ 12 3.6 DRC (pacs.008) credit transfer bulks received body................................................................ 13 3.7 DRC (pacs.004) return bulks received body ............................................................................ 13 3.8 DRC (camt.056) payment cancellation requests received body .............................................. 14 3.9 DRC (camt.056) resolutions of investigation (ROIs) received body ......................................... 16 3.10 DRC trailer ................................................................................................................................ 16 4 XML file header ........................................................................................................................... 17 4.1 Input credit file (ICF) header ..................................................................................................... 17 4.2 Credit validation file (CVF) header ........................................................................................... 17 4.3 Settled credit file (SCF) header ................................................................................................ 17 4.4 Bilateral credit file (BCF) header .............................................................................................. 17 5 XML interbank messages ........................................................................................................... 18 5.1 SEPA credit transfer – interbank payment .............................................................................. 18 5.2 SEPA credit transfer – interbank credit transfer reject SCL ..................................................... 18 5.3 SEPA credit transfer – interbank return credit transfer ............................................................ 18 5.4 SEPA credit transfer – interbank payment cancellation request .............................................. 18 5.5 SEPA Credit Transfer – interbank resolution of investigation .................................................. 18 6 Use of the instructing agent and instructed agent .................................................................. 19 7 Error codes/reject reason codes ............................................................................................... 26 7.1 Error codes/reject reason codes used in the SCT service ....................................................... 26 7.2 Error codes/reject reason codes used in the BCT service ....................................................... 33 8 Character set ............................................................................................................................... 34 9 Notes on format/status, special features of XML .................................................................... 35 9.1 Explanatory notes on the format of XML file headers and daily reconciliation reports ............ 35 9.2 Completing amount fields in line with the schema ................................................................... 36 9.3 Use of filling characters in the amount fields ............................................................................ 36 9.4 Use of spaces in XML fields, in this case the “collapsing” procedure ...................................... 37 10 Compression procedure ............................................................................................................ 37 10.1 FileAct: ...................................................................................................................................... 38 10.2 EBICS environment: ................................................................................................................. 38 11 TARGET2 referencing ................................................................................................................ 38 12 Annexes (schema files and corresponding sample files) ...................................................... 41 SCT/BCT/SCL technical specifications, version 2.4
Page 2 of 42
Changes/additions to the “Technical specifications” compared with version 2.3
(effective from 30 September 2013)
Sec-
Location
Changes/additions
Entire document
Editorial changes DRC
 Inclusion of new submission window when specifying
the processing cycle number in the relevant “sent
body” tion
3
 Inclusion of the two new delivery windows when
specifying the processing cycle number in the relevant “received body”
4.2 –
4.3
XML file header
Note:
The processing windows generated by the newly added
submission window and the two new delivery windows
are included accordingly when specifying the file cycle
number (<FileCycleNo>).
11
TARGET2 referencing
Inclusion of the processing windows generated by the
newly added submission window and the two new delivery windows when specifying the processing cycle in the
relevant references. 5.1
pacs.008.001.02
Inclusion of the new submission window when entering
data in the element <GrpHdr> <IntrBkSttlmDt>.
5.2
pacs.002.001.03SCL
Editorial revision of descriptions contained in column
“SEPA-Clearer information and checks” for elements
located below the entry <TxInfAndSts> regarding the
should contain the transaction-related reasons for the
rejection of a bulk using error code B09 (bulk was completely rejected as all transactions contained in it were
rejected. The specific reasons for rejecting each transaction are stated in the CVF).
5.3
pacs.004.001.02SCT
Inclusion of the new submission window when entering
data in the element <GrpHdr> <IntrBkSttlmDt>.
5.4
camt.056.001.01SCT
Note added to descriptions in column “SEPA-Clearer
information
and
checks”
for
element
<Undrlyg><TxInf><OrgnlIntrBkSttlmDt> explaining that
failure to meet the deadline for submitting a request to
another CSM to return a SEPA credit transfer may result
in a rejection using error code XT86.
7.1
Error/rejection codes
Failure to meet the deadline for submitting a request to
return a SEPA credit transfer may result in the issuance
of a rejection using error code XT86 by other CSMs
Page 3 of 42
Sec-
Location
Changes/additions
Sample files
One further sample file added to depict a bulk rejection
(return) using error code B09.
tion
12
With effect from 1 February 2014
Sec
Location
Changes/additions
DRC
 Inclusion of the new amount field in the camt-029
schema file when specifying the ROI processed and
ROI rejected values in the DRC (camt.029) resolution
of investigation sent body. tion
3.5
and
3.9
 Inclusion of the new amount field in the camt-029
schema file when specifying the ROI received value
in the DRC (camt.029) resolution of investigation received body. 5.3
pacs.004.001.02SCT
Adaption of description in column EPC references of the
element <TxInf><RtrRsnInf><AddtlInf> to accommodate
a clarification added by the EPC to version 7.0 of their
Inter-Bank Implementation Guidelines. This did not lead
to any changes to the technical tests performed by the
SEPA-Clearer. 5.4
camt.056.001.01SCT
Enhancement of description in column EPC references
of the element <Undrlyg><TxInf><CxlRsnInf><AddtlInf>
to accommodate a clarification added by the EPC to
version 7.0 of their Inter-Bank Implementation Guidelines. This did not lead to any changes to the technical
tests performed by the SEPA-Clearer.
5.5
camt.029.001.03
Incorporation of element <CxlDtls><TxInfAndSts> <OrgnlTxRef><IntrBkSttlmAmt> as a new mandatory field in
the camt.029.001.03 schema file. SCT/BCT/SCL technical specifications, version 2.4
Page 4 of 42
1
Introduction
All items to be processed between the SEPA-Clearer and SEPA-Clearer participants are
exchanged in the form of physical files. The formats of the individual files and bulks (logical
files contained in files) are specified in the corresponding sections of this document.
If the XML format and syntax rules defined in the XSD schema files are not observed, a file
reject is generated by the SEPA-Clearer. With regard to outgoing files, the data formats
provided meet the specifications of this document.
The format applied for the specific payment instructions in the individual files depends on the
service in question. In the case of both its SCT service and its BCT service, the SEPAClearer supports SEPA credit transfers in XML format in accordance with ISO 20022 and the
EPC specifications. Checking rules going beyond schema validations are described in the
following sections.
The message type pacs.002.001.03SCL used in the CVF does not form part of the EPC
specifications. It is a notice of rejection which the SEPA-Clearer sends to SEPA-Clearer
participants in the event of an error to inform them about rejected bulks or individual
transactions (at the validation or settlement stage).
2
Duplication check
Participants in the Bundesbank's RPS SEPA-Clearer are advised to unambiguously
reference each individual transaction every business day. Ensuring that payments are
unambiguous helps to avoid duplicate payments and makes it easier to classify and search
for specific payments.
The SEPA-Clearer carries out duplication checks in the SCT service at file, bulk and
individual transaction level and in the BCT service at file level. These cover the following
criteria, from which an unambiguous key can be derived.

Service

Reference number

Identification of the party that allocated the reference

Interbank settlement date (determined by the processing window used in the SEPAClearer) or processing day in the SEPA-Clearer
The table below shows the duplication criteria applying at file, bulk and individual transaction
levels.
Page 5 of 42
Origin
Service
Reference
BIC
Date
number
Files
ICF bulks
ICF/BCF
File reference
file header
SCT/
BCT
ICF
SCT
Message ID
or identification
Group
header or
assignment
Credit
pacs.008
If a file is rejected, it
must in any case be
given a new file reference prior to being resubmitted.
Sending
institution
-
Instructing
agent
Interbank
Debtor agent
Interbank
SCT
Transaction ID
transfer
Return
settlement date
It is necessary to ensure
that the <Msgld> remains unambiguous
throughout both pacs
message types
(pacs.008 and pacs.004)
and the <Id> of the two
camt types (camt.056
and camt 0.299 (see
explanatory note on
<MsgId> and <Id>).
settlement date
pacs.004
SCT
Return ID
Original
creditor
agent
Interbank
settlement date
Payment
cancellation
request
camt.056
SCT
Cancellation ID
Original
debtor agent
SCL processing
day
Resolution
of
investigation
camt.029
SCT
Cancellation
status ID
Original
creditor
agent
SCL processing
day
Explanatory note on references at bulk and individual transaction level
(1) Avoiding rejects by other CSMs owing to duplicate submission
The Deutsch Bundesbank routes SEPA credit transfers which cannot be processed in the
SEPA-Cleareer via other CSMs. To avoid rejections by other CSMs on account of other
duplication checks, the references contained in the following message elements should be
kept unambiguous for an extended period of time (at least three months) by, for example,
applying a time stamp.

Message identification (bulk level; pacs.008 and pacs.004)

Identification (bulk level; camt.056 and camt.029)

Transaction ID (individual transaction level; pacs.008)

Return ID (individual transaction level; pacs.004)

Cancellation ID (individual transaction level; camt.056)

Cancellation status ID (individual transaction level; camt.029)
Page 6 of 42
The individual participant is responsible for any rejects by other CSMs on account of
duplicate submissions arising from a participant's non-compliance with the aforementioned
rules for completing fields. Furthermore, each participant is liable for any resulting damages
and failure to meet the return deadlines etc defined in the rulebook.
(2) Cross-referencing by other CSMs
Among other activities, the SEPA-Clearer routes R-transactions to other CSMs. Where
applicable, other CSMs may have subjected these R-transactions to cross-referencing
checks on the basis of references entered in the individual message elements and entries
contained in other message elements of the original transaction as listed under the previous
sub-item (eg the original interbank settlement date or the original interbank settlement
amount), the aim being to establish whether the original transaction was also processed
using this other CSM.
If the details contained in the R-transaction regarding the original transaction do not exactly
match the data relating to the original transaction, this may result in the R-transaction being
rejected by the other CSM.
Page 7 of 42
3
Daily reconciliation report for credit transfers (DRC)
Summary of the bulks submitted to and delivered from the SEPA-Clearer’s SCT service, a copy of which is made available to each SEPA-Clearer
participant in EBCDIC format every business day at the end of that day’s SEPA processing schedule. The DRC is not in XML format.
The DRC files delivered by the SEPA-Clearer in ASCII format using the EBICS communication structure do not incorporate any special characters
for the line feed at the end of the data record.
3.1
DRC header
Status
Field name
Format
Content
Item
M
Record type
4x
HDRC
0
M
Service identifier
3x
SCT
4
M
File type
3x
DRC
7
M
Sending institution
4!a2!a2!c
SEPA-Clearer’s BIC
(Production: MARKDEFF; test: MARKDEF0)
10
M
Sender’s file reference
16!x
SEPA-Clearer’s reference
18
M
Date and time
6!n6!n
YYMMDDHHMMSS
34
M
Test code
1x
Either “T” (test) or “P” (production), depending on the
processing environment
46
M
Receiving institution
4!a2!a2!c3!c
Originator’s BIC/clearing institution’s BIC
(not communication partner)
47
M
Business date
6!n
SEPA-Clearer business day
58
Page 8 of 42
3.2
DRC (pacs.008) credit transfer bulks sent body
Submissions of original SEPA direct debits to the SEPA-Clearer’s STC service by SEPA-Clearer participants
Status
Field name
Format
Content
Item
M
Record type
4x
DTSB
0
M
Bulk reference
35x
<MsgId> in group header
4
M
Number credit transfers processed
8n
Number of processed transactions in a bulk
39
M
Number credit transfers rejected
8n
Number of records rejected in a bulk
47
M
Value credit transfers processed
18d
Total value of processed transactions in a bulk.
If an entire bulk is rejected: 0.00
55
M
Value credit transfers rejected
18d
Total value of records rejected in a bulk.
If an entire bulk is rejected, total value of all transactions
contained in the bulk
73
M
Processing cycle number
1n
Processing cycle
91
 A “3” denotes processing after the first submission win-
dow
 A “4” denotes processing after the second submission
window
 A “5” denotes processing after the third submission win-
dow
 A “6” denotes processing after the fourth submission
window
 A “9” denotes processing after the fifth submission win-
dow
Page 9 of 42
3.3
DRC (pacs.004) return bulks sent body
Submissions of returns to the SEPA-Clearer’s STC service by SEPA-Clearer participants
Status
Field name
Format
Content
Item
M
Record type
4x
DRSB
0
M
Bulk reference
35x
4
M
Number returns processed
8n
39
M
Number returns rejected
8n
47
M
Value returns processed
18d
55
M
Value returns rejected
18d
73
M
1n
Processing cycle
91
dow
window
dow
window
dow
Page 10 of 42
3.4
DRC (camt.056) payment cancellation requests sent body
Submissions of payment cancellation requests (PCRs) to the SEPA-Clearer’s STC service by SEPA-Clearer participants
Status
Field name
Format
Content
Item
M
Record type
4x
DCSB
0
M
Bulk reference
35x
<Id> belonging to assignment
4
M
Number PCRs processed
8n
39
M
Number PCRs rejected
8n
47
M
Value PCRs processed
18d
55
M
Value PCRs rejected
18d
73
M
1n
Processing cycle
91
dow
window
dow
window
dow
Page 11 of 42
3.5
DRC (camt.056) resolutions of investigation (ROIs) sent body
Submissions of resolutions of investigation (ROIs) to the SEPA-Clearer’s STC service by SEPA-Clearer participants
Status
Field name
Format
Content
Item
M
Record type
4x
DRIB
0
M
Bulk reference
35x
4
M
Number ROIs processed
8n
39
M
Number ROIs rejected
8n
47
M
Value ROIs processed
18d
55
M
Value ROIs rejected
18d
73
M
1n
Processing cycle
91
dow
window
dow
window
dow
Page 12 of 42
3.6
DRC (pacs.008) credit transfer bulks received body
Deliveries of original SEPA credit transfers from the SEPA-Clearer’s STC service to SEPA-Clearer participants
Status
Field name
Format
Content
Item
M
Record type
4x
DTRB
0
M
Bulk reference
35x
4
M
Number credit transfers received
8n
Number of delivered transactions in a bulk
39
M
Value credit transfers received
18d
Total value of delivered transactions in a bulk
47
M
1n
Processing cycle
 A “3” denotes deliveries from the first delivery window
 A “4” denotes deliveries from the second delivery window
 A “5” denotes deliveries from the third delivery window
 A “6” denotes deliveries from the fourth delivery window
 A “7” denotes deliveries from the fifth delivery window
 An “8” denotes deliveries from the sixth delivery window
 A “9” denotes deliveries from the seventh delivery window
65
3.7
DRC (pacs.004) return bulks received body
Deliveries of returns from the SEPA-Clearer’s STC service to SEPA-Clearer participants
Status
Field name
Format
Content
Item
M
Record type
4x
DRCB
0
M
Bulk reference
35x
4
M
Number returns received
8n
39
M
Value returns received
18d
47
Page 13 of 42
M
3.8
1n
Processing cycle
65
DRC (camt.056) payment cancellation requests received body
Deliveries of payment cancellation requests (PCRs) from the SEPA-Clearer’s STC service to SEPA-Clearer participants
Status
Field name
Format
Content
Item
M
Record type
4x
DRRB
0
M
Bulk reference
35x
4
M
Number PCRs received
8n
39
M
Value PCRs received
18d
47
M
1n
Processing cycle
65
Page 14 of 42
Status
Field name
Format
Content
Item
 A “9” denotes deliveries from the seventh delivery win-
dow
Page 15 of 42
3.9
DRC (camt.029) resolutions of investigation (ROIs) received body
Deliveries of resolutions of investigation (ROIs) from the SEPA-Clearer’s STC service to SEPA-Clearer participants
Status
3.10
Field name
Format
Content
Item
M
Record type
4x
DROB
0
M
Bulk reference
35x
4
M
Number ROIs received
8n
39
M
Value ROIs received
18d
47
M
1n
Processing cycle
65
DRC trailer
Status
Field name
Format
Content
Item
M
Record type
4x
TDRC
0
M
Total number records
6n
Number of DRC bodies
4
Page 16 of 42
4
XML file header
4.1
Input credit file (ICF) header
(BBkICFBlkCdtTrf)
see annex 1
4.2
Credit validation file (CVF) header
(BBkCVFBlkCdtTrf)
see annex 2
4.3
Settled credit file (SCF) header
(BBkSCFBlkCdtTrf)
see annex 3
4.4
Bilateral credit file (BCF) header
(BBkBCFBlkCdtTrf)
see annex 4
Page 17 of 42
5
XML interbank messages
5.1
SEPA credit transfer – interbank payment
(pacs.008.001.02)
see annex 5
5.2
SEPA credit transfer – interbank credit transfer reject SCL
(pacs.002.001.03SCLSCT)
see annex 6
5.3
SEPA credit transfer – interbank return credit transfer
(pacs.004.001.02SCT)
see annex 7
5.4
SEPA credit transfer – interbank payment cancellation request
(interbank recall of a credit transfer)
(camt.056.001.01SCT)
see annex 8
5.5
SEPA credit transfer – interbank resolution of investigation
(interbank negative response to a request to recall a credit transfer)
(camt.029.001.03)
see annex 9
Page 18 of 42
6
Use of the instructing agent and instructed agent
The following charts provide an overview of how and in which messages the instructing
agent, the instructed agent and the receiving and sending institutions are to be specified at
the different message levels (file, bulk or individual transaction level) in connection with the
SCT service. The “InstructedAgentRule” and the ”InstructingAgentRule" must be observed in
accordance with the ISO 20022 standard. The latter rule includes an exclusion principle
which clearly states that the instructing agent may be specified only in the group header or at
individual transaction level. This principle also applies to the instructed agent.
The following information is not intended to depict all the data elements that can or must
contain a BIC in a SEPA credit transfer message but rather to identify the key agents
involved in payment processing using the SEPA-Clearer.
Brief overview of key individual agents
File header for the sending institution <SndgInst>: should contain the BIC belonging to
the sender (communication partner) transferring files to the SEPA-Clearer that contain the
bulks of one or more instructing agents. This BIC can deviate from that of the (respective)
instructing agent and need not be listed in the SCL-Directory.
File header for the receiving institution <RcvgInst>: should contain the BIC belonging to
the recipient (communication partner) who receives files from the SEPA-Clearer on behalf of
an instructed agent. This BIC can deviate from that of the (respective) instructed agent and
need not be listed in the SCL-Directory.
Group header for the instructing agent <InstgAgt>: should contain the BIC belonging to
the submitter (originator) of a bulk transferred to the SEPA-Clearer by the sender. This BIC
must be listed in the SCL-Directory. The countervalue of the submitted bulk is settled using
the technical sub-account on the TARGET2 SSP specified by the submitter for the purpose
of effecting financial settlement via the SEPA-Clearer during the corresponding SCT
settlement cycle.
Group header for the instructed agent <InstdAgt>: should contain the BIC belonging to
the SEPA-Clearer participant whose bulk was delivered to the recipient (known as the
settlement institution). This BIC can, but need not necessarily, be contained in the SCLDirectory. The countervalue of the delivered bulk is settled using the technical sub-account
on the TARGET2 SSP specified by the agent for the purpose of effecting financial settlement
via the SEPA-Clearer during the corresponding SCT settlement cycle.
Individual transaction level for the instructing agent <InstgAgt>: should contain the BIC
belonging to the original submitter of the bulk in which the transaction was contained upon its
submission to the SEPA-Clearer. Upon delivery of the transaction at individual transaction
level, this BIC is entered by the SEPA-Clearer and can, but need not necessarily, be listed in
the SCL-Directory.
Page 19 of 42
Individual transaction level for the instructed agent <InstdAgt>: this field is not
supported at individual transaction level, nor is it a component of the SEPA-Clearer schema
files.
Individual transaction level for the creditor agent BIC <CdtrAgt>: should contain the BIC
belonging to the payee’s payment service provider (creditor bank). It is essential that this is
contained in the SCL-Directory as it is the key criterion for effecting a routing system in the
SCT service.
Note: R-transactions name the creditor agent of the original message (pacs.008).
See annex 4 for details of how the sending institution, receiving institution, instructing agent
and instructed agent are to specified in the BCF file header.
Page 20 of 42
Image 1 (in German only)
SCT/BCT/SCL technical specifications version 2.4
Page 21 of 42
BIC-Belegung FileHdr, GrpHdr, Indiv. Tx:
Überweisung inländisches KI an
inländisches KI
SEPA
Clearer
pacs.008 (Original Credit Transfer)
FileHdr
GrpHdr
IndivTx
IndivTx
SendInst
RecvInst
InstructingAgt
InstructedAgt
InstructingAgt
InstructedAgt
Creditor Agt
MARKDEFF
SSSSSSSSSSS
./.
TTTTTTTTTTT
BBBBBBBBBBB
./.
CCCCCCCCCCC
pacs.008 (Original Credit Transfer)
FileHdr
GrpHdr
IndivTx
IndivTx
SendInst
RecvInst
InstructingAgt
InstructedAgt
InstructingAgt
InstructedAgt
CreditorAgt
AAAAAAAAAAA
MARKDEFF
BBBBBBBBBBB
./.
./.
./.
CCCCCCCCCCC
Inländisches KI
Inländisches
KI
Page 22 of 42
Page 23 of 42
Page 24 of 42
Page 25 of 42
7
Error codes/reject reason codes
7.1
Error codes/reject reason codes used in the SCT service
Error codes used in connection with the structural check of an input credit file (ICF) by the SEPA-Clearer
The errors described below result in the entire file being rejected by means of CVF (exception: A01)
Error code
Nature of error
A01
ICF was partially rejected.
R02
The file name designation does not conform with the rules (code not currently in use).
R04
The sender’s BIC in the file name does not conform with the rules (code not currently in use).
R07
SWIFTNet FileAct request type does not conform with the rules.
R09
ICF was completely rejected as it does not conform with the rules for other reasons
(eg character set data deviate from UTF-8).
R10
File does not correspond to the schema and therefore cannot be processed.
R11
Sender’s BIC (<SndgInst>) is incorrect.
R12
Recipient’s BIC (<RcvgInst>) is incorrect.
R13
ICF is a duplicate.
R14
Error in test code (<TstCode>).
R18
Number of credit transfer bulks contained in the ICF is not consistent with the figure given in the file header.
R19
Number of PCR bulks contained in the ICF is not consistent with the figure given in the file header.
R20
Number of return bulks contained in the ICF is not consistent with the figure given in the file header.
R21
Number of resolution of investigation bulks contained in the ICF is not consistent with the figure given in the file header.
R98
File rejected as prefixes are used at group header or individual transaction level (code not currently in use).
R99
File rejected for other reasons (code not currently in use).
S01
File rejected as maximum permissible number of bulks in file was exceeded.
Page 26 of 42
Error codes used in connection with the structural check of a bulk by the SEPA-Clearer
The errors described below result in the entire bulk being rejected by means of CVF (exception: B01)
Error code
Nature of error
AM04
Bulk was rejected due to insufficient funds.
B01
Type
pacs.002SCL
ISO
X
Bulk was partially rejected.
PRTRY
X
B02
Maximum permissible number of transactions contained in a bulk was exceeded.
PRTRY
X
B03
Number of transactions contained in a bulk is not consistent with the figure given in the group
header.
PRTRY
X
B05
Total value in the field <TtlIntrBkSttlnAmt> or <TtlRtrdIntrBkSttlmAmt> does not correspond to the
sum of the transactions in the bulk.
PRTRY
X
B09
Bulk was completely rejected as all transactions contained in it were rejected. The specific reasons
for rejecting each transaction are stated in the CVF.
PRTRY
X
B10
Bulk was completely rejected either because the instructing agent has to be included in the ICF
group header or the specified instructing agent is not authorised to make submissions for the submitted payment type.
PRTRY
X
B11
Bulk was completely rejected as the instructed agent must not be included in the ICF group header.
PRTRY
X
B12
Bulk was completely rejected as the assigner was not authorised to make submissions or the assignee data was incorrect.
PRTRY
X
B14
Bulk was completely rejected as the <MsgId> or <Id> appears in duplicate.
PRTRY
X
B15
Bulk was completely rejected as the date in the field <IntrBkSttlmDt> or <OrgnlIntrBkSttlmDt> falls
outside the permitted time period.
PRTRY
X
B98
Bulk has been completely rejected as the <MsgId> (GrpHdr) or <Id> (Assgnmt) does not comply
with the format rules.
PRTRY
X
B99
Bulk rejected for other reasons.
PRTRY
X
Page 27 of 42
SEPA Core reason
(pursuant to the EPC’s SCT
Implementation Guidelines,
version 6.0)
Nature of error
Initiator
Type
pacs.004
AC01
IncorrectAccountNumber
Account identifier invalid
(ie invalid IBAN or account
number does not exist)
See description on left
Banks /
SEPAClearer
ISO
X
X
AC04
ClosedAccountNumber
Account closed
Banks
ISO
X
AC06
BlockedAccount
Account blocked, reason not
specified
Banks
ISO
X
AG01
TransactionForbidden
Banks
ISO
X
AG02
InvalidBankOperationCode
Banks
ISO
X
AM02
Not Allowed Amount
Credit transfer forbidden on
this type of account
(eg savings account)
Operation/transaction code
incorrect, invalid file format
Usage rule: To be used for
incorrect operation/
transaction code
---
Incorrect amount
Other
CSMs/
SEPAClearer
ISO
X
AM04
InsufficientFunds
Banks
ISO
X
AM05
Duplication
Insufficient funds on the account
Duplicate payment
Banks/ other CSMs/
SEPA-
ISO
X
camt.029
ISO 20022 designation
camt.056
Code
pacs.002SCL
Individual transaction-related error codes (SEPA-Clearer and other CSMs) or rejection codes (banks) specific to the individual transaction:
X
X
X
Page 28 of 42
Initiator
Type
camt.029
Nature of error
camt.056
SEPA Core reason
version 6.0)
pacs.004
pacs.002SCL
Code
Clearer
Banks
PRTRY
MissingCreditorAddress
The transaction has already See description on left
been returned
Account address invalid
Payee’s address missing or incorrect
Banks
ISO
CUST
RequestedByCustomer
Beneficiary refusal
Refused by payee
Banks
ISO
DUPL
DuplicatePayment
Duplicate sending
Banks
ISO
DT01
InvalidDateRange
---
Date falls outside the time period
permitted by other CSMs or the
SEPA-Clearer‘s time corridor
Other
CSMs/
SEPAClearer
ISO
X
ED05
SettlementFailed
---
Unsuccessful settlement in the STEP2
SCT service
Other
CSMs/
SEPAClearer
ISO
X
FOCR
FollowingCancellation
Request
Positive answer to the recall
Designation for a return on the basis
of a recall request
Banks
ISO
FRAD
---
Fraudulently originated credit
transfer
Banks
PRTRY
LEGL
LegalDecision
Legal reason
Rejection on legal grounds
Banks
ISO
MD07
EndCustomerDeceased
Beneficiary deceased
Account holder no longer alive
Banks
ISO
X
MS02
NotSpecifiedReason
CustomerGenerated
By order of the beneficiary
Reason for return not specified by
customer
Banks
ISO
X
MS03
NotSpecifiedReason
Reason not specified
Reason for return not specified by
Banks
ISO
X
ARDT
---
BE04
X
X
X
X
X
X
X
X
Page 29 of 42
Initiator
Type
AgentGenerated
payment service provider
NOAS
NoAnswerFromCustomer No response from
beneficiary
Payee fails to respond
Banks
PRTRY
NOOR
NoOriginalTransaction
Received
Original credit transfer never
received
Banks
PRTRY
PY01
---
---
Transaction cannot be processed as
the payer’s and/or the payee’s payment service provider(s) is/are not
registered as direct or indirect participant(s) in the STEP2 SCT service
Other
CSMs/
SEPAClearer
PRTRY
RC01
BankIdentifierIncorrect
Bank identifier incorrect, eg
invalid BIC
Banks
ISO
X
RR01
MissingDebtorAccountOr
Identification
MissingDebtorNameOr
Address
Regulatory reason
Rejected for regulatory reasons
Banks
ISO
X
Regulatory reason
As above
Banks
ISO
X
RR03
MissingCreditorNameOr
Address
Regulatory reason
As above
Banks
ISO
X
RR04
Regulatory Reason
Regulatory reason
As above
Banks
ISO
X
TECH
---
Technical problems resulting
in erroneous credit transfer
Banks
PRTRY
XD19
---
---
Issued if the country code is a valid
ISO or SEPA country code but the
(country-specific) structure of the
SEPAClearer
PRTRY
RR02
camt.029
Nature of error
camt.056
SEPA Core reason
version 6.0)
pacs.004
pacs.002SCL
Code
X
X
X
X
X
Page 30 of 42
Initiator
Type
IBAN or the check digits is incorrect
XT13
---
---
The transaction contains at least one
unsupported field.
At least one mandatory field is missing from the transaction.
The error code (if it exists) is specified
in the invalid XML field
SEPAClearer
PRTRY
X
XT27
---
---
The transaction contains at least one
element with a BIC that is not SEPAreachable
SEPAClearer
PRTRY
X
XT33
---
---
The content of at least one XML element is not in the format required. The
invalid XML field is indicated by the
error code.
SEPAClearer
PRTRY
X
XT73
---
---
The two characters forming the country code do not constitute a valid ISO
or SEPA country code
SEPAClearer
PRTRY
X
XT74
---
---
Invalid underlying original transaction.
Further check required
Other CSMs
PRTRY
X
XT75
---
---
Invalid status of underlying original
transaction.
No further action required
Other CSMs
PRTRY
X
XT77
---
---
The originally instructed amount <OrgnlIntrBkSttlmAmt> was not found or
Other CSMs
PRTRY
X
Page 31 of 42
camt.029
Nature of error
camt.056
SEPA Core reason
version 6.0)
pacs.004
pacs.002SCL
Code
Initiator
Type
X
is not consistent with the original
transaction amount
XT86
---
---
Deadline expired for requesting the
recall of a SEPA credit transfer
Other CSMs
PRTRY
XT99
---
---
Credit transfer rejected for other reasons (code not currently in use)
SEPAClearer
PRTRY
Page 32 of 42
camt.029
Nature of error
camt.056
SEPA Core reason
version 6.0)
pacs.004
pacs.002SCL
Code
7.2
Error codes/reject reason codes used in the BCT service
Error codes used in connection with the structural check of a bilateral credit file (BCF) by the SEPA-Clearer.
The errors described below result in the entire file being rejected by means of CVF.
Error code
Nature of error
R07
SWIFTNet FileAct request type does not conform with the rules.
R09
BCF was completely rejected as it does not conform with the rules for other reasons
(eg character set data deviate from UTF8).
R10
File does not correspond to the schema and therefore cannot be processed.
R11
Sender’s BIC (<SndgInst>) is incorrect.
R12
Recipient’s BIC (<RcvgInst>) is incorrect.
R13
BCF is duplicated.
R14
Error in test code (<TstCode>).
R97
File rejected due to the absence of a bilateral agreement.
RIF
File rejected due to insufficient funds.
RIA
File was completely rejected either because the instructing agent has to be included in the BCF file header or the specified instructing agent is not authorised to make submissions for the submitted payment type.
RID
File was completely rejected as the date in the field <IntrBkSttlmDt> falls outside the permitted time period.
RFR
File was completely rejected as the <FileRef> (file header) does not conform with the format rules.
Page 33 of 42
8
Character set
The SEPA-Clearer supports the full UTF-8 character set. Banks must be able to support the
following Latin character set commonly used in international communication.
abcdefghijklmnopqrstuvwxyz
ABCDEFGHIJKLMNOPQRSTUVWXYZ
0123456789
/-?:().,'+
Space
However, it can be agreed on a bilateral or multilateral basis to support one or more UTF-8
character sets in addition to the Latin character set (eg the Greek character set). This applies
above all to message elements containing the purpose of payment, name and address of the
payer (creditor) and payee (debtor). Such data sets are delivered by the SEPA-Clearer to the
recipient in unchanged format.
Checks by the SEPA-Clearer
(1) When files are submitted (ICFs), the SEPA-Clearer checks whether their prologue contains the following information in line with the usage rules applying to the UTF-8 character
set.
<?xml version="1.0" encoding="UTF-8">
If any other character set is entered, the entire file is rejected using the error code R09.
(2) No character set checks beyond those covering compliance with the UTF-8 character set
are carried out by the SEPA-Clearer.
Page 34 of 42
9
Notes on format/status, special features of XML
9.1
Explanatory notes on the format of XML file headers and daily reconciliation
reports
Format
Description
A
Alpha, capital letters
C
Alphanumeric,
letters: capital letters
D
Decimal
including decimal point and two decimal places
N
Numeric
X
Characters in accordance with Latin character set, in some cases restricted by XSD schema file (see also section entitled
“Character set”)
3!a
Precisely three alpha characters
ISO date
YYYY-MM-DD
ISODateTime
YYYY-MM-DDThh:mm:ss
Status
M
Mandatory field
O
Optional field
Page 35 of 42
9.2
Completing amount fields in line with the schema
Sample entry
Processing in the SEPAClearer
996.5
One decimal place
996.50
997.
No decimal places
997.00
998
No decimal point and no decimal places
998.00
Submitted files containing amounts with a decimal point and/or more than two decimal places
do not conform to the schema and are therefore rejected using error code R10.
9.3
Use of filling characters in the amount fields
The XML parser accepts characters that function as "fillers" in an XML context. These may
be entered in the amount fields in an XML environment, however their use may result in processing problems for the receiving/processing institution. We therefore advise against using
such filling characters.
The fillers listed below are recognised by the XML parser and routed/processed as follows by
the SCL.
1. Leading zeros before the decimal point and trailing zeros after the decimal point
The SEPA-Clearer ignores the extra zeros and delivers the amount with the first and the
last significant characters to the SCL participant.
Example:
Submission to the SCL:
<IntrBkSttlmAmt
Ccy="EUR">0000000000000000000000001.01000000000000000</IntrBkSttlmAmt>
Delivery by the SCL:
<IntrBkSttlmAmt Ccy="EUR">1.01<IntrBkSttlmAmt>
2. Spaces in the amount field
The SEPA-Clearer ignores the extra spaces and delivers the amount with the first and
the last significant characters to the SCL participant.
Example:
<IntrBkSttlmAmt Ccy="EUR">
2.02
</IntrBkSttlmAmt>
<IntrBkSttlmAmt Ccy="EUR">2.02</IntrBkSttlmAmt>
Page 36 of 42
3. “+” symbol before the amount
The SEPA-Clearer accepts the plus symbol and replaces it with a “zero”, provided that
the maximum number of characters is not exceeded. Only when the maximum number of
characters is exceeded does the SCL adjust the amount (see example 2 under 3 below).
Example 1
<IntrBkSttlmAmt Ccy="EUR">+3.03</IntrBkSttlmAmt>
Example 2
<IntrBkSttlmAmt Ccy="EUR">+0000000000000000004.04</IntrBkSttlmAmt>
9.4
Use of spaces in XML fields, in this case the “collapsing” procedure
"White spaces" form part of the standard XML environment. They are also permitted for the
decimal data type, which is assigned to the amount field.
Neither the ISO 20022 standard nor the EPC’s Implementation Guidelines make provisions
for any restrictions to this arrangement. As a rule, white spaces can be processed by XML
parsers. However, problems can occur, eg when customised solutions have been programmed or the XML data records have been converted to different formats for further processing.
We therefore advise against using spaces in the tags, as this may result in processing problems for the receiving/processing institution.
CSMs have stipulated the following format rules for a variety of “string”-derived fields in their
schema files. In the description, the white spaces facet was set to collapse in the schema
files. Detailed information on the procedure used in XML parsing can be found in the document “W3C Recommendation 28 October 2004, XML Schema Part 2: Datatypes Second
Edition”, the content of which can be called up using the internet link provided below.
http://www.w3.org/TR/xmlschema-2/#rf-whiteSpace
For reasons of interoperability, this collapsing procedure was integrated into the SEPAClearer’s schema files with the same level of effect, meaning that, overall, and wherever
necessary both submissions to and deliveries from the SEPA-Clearer undergo the above
procedure as part of the XML parsing process.
Page 37 of 42
10
Compression procedure
10.1
FileAct1
Files may be transmitted in either direction in compressed or uncompressed format as desired by the customer. To this end, the following compression programmes may be used.

FLAM2 (which uses the ADC compression procedure as it has the largest compression
factor)

ZIP

GZIP
10.2
EBICS environment3
In EBICS, the ZIP compression procedure must be supported when transmitting files in either
direction.
11
TARGET2 referencing
TARGET2 issues settlement information (MT 900/MT 910) and electronic account statements (MT 940/MT 950) for all accounts held under its auspices. The aforementioned message types contain settlement references which serve to facilitate reconciliation with the
SEPA credit transfers that are exchanged with the SEPA-Clearer.
1) Automatically generated current order (ie liquidity transfer) by the SEPA-Clearer from the
PM account to the relevant sub-account in the amount of the sum total of the settlementrelated SEPA credit transfer messages arising from all ICFs and BCFs submitted in a specific submission window.
Structure of the reference in field 21 (MT 900/MT 910) and field 61, sub-field 7 in MT 940/MT
950:
SCL
Format
Content
System
1-digit, alphabetical
“S” (SEPA-Clearer)
AS action
“C” (current order)
Date
2-digit, numeric
“TT” (processing day)
Processing cycle
1-digit, numeric
“3” (first processing window)
“4” (second processing window)
“5” (third processing window)
“6” (fourth processing window)
“7” (fifth processing window)
“8” (sixth processing window)
“9” (seventh processing window)
See “Procedural rules on communication via SWIFTNet FileAct for the Deutsche Bundesbank's Retail
Payment System (RPS) and the RPS SEPA-Clearer (SCL)”.
2
FLAM (Frankenstein Limes Access Method) is a registered trademark of limes datentechnik gmbh,
Friedrichsdorf, Germany.
3
See “Procedural rules on communication with payment service providers with a bank sort code via
EBICS”.
1
Page 38 of 42
Settlement cycle
“EG” (denoting the submission of credits)
applies to both the SCT and the BCT service
Sub-account
2-digit, numeric
Sequence number (positions 23 and 24
of the account number) of the relevant
sub-account
Serial number
7-digit, numeric
Serial numbering of all current orders
generated by the SCL each processing
day
In addition, in field 72 of MT 900/MT 910, the code-word "ASINF" followed by the information
given below is supported.
SCL
Current order
Format
Content
“CUO” (current order)
Processing cycle
1-digit, numeric
Settlement cycle
“EG” (denoting the submission of credits) applies to both the SCT and the
BCT service
In MT 940/MT 950, the information “<MARKDEFFEDE>HHMMSS” is additionally incorporated into field 61, sub-field 9.
2) Settlement of the submitted and delivered SCT bulks and BCFs using the sub-account
during the relevant SCT/BCT settlement cycles of a settlement procedure.
Structure of the settlement reference in field 21 (MT 900/MT 910) and field 61, sub-field 7 in
MT 940/MT 950:
SCL
Format
Content
System
1-digit, alphanumeric
“S” (SEPA-Clearer)
AS action
“I” (input; settlement of submitted SCT
bulks/BCFs)
“O” (output; settlement of delivered
SCT bulks/BCFs)
“X” (error; settlement of rejected individual transactions; only applies to
SCT service)
Settlement date
2-digit, numeric
“TT” (processing day)
Processing cycle
1-digit, numeric
Page 39 of 42
Settlement cycle
2-digit, numeric
“EG” (denoting the submission of credits; debiting of submitted SCT
bulks arising from ICFs)
“AG” (denoting the delivery of credits;
crediting of delivered SCT bulks
arising from SCFs and CVFs)
“EB” (denoting the submission of credits; debiting of submitted BCFs)
“AB” (denoting the delivery of credits;
crediting of delivered BCFs)
File ID
6-digit, numeric
6 digits of an internal file reference of
the SEPA-Clearer
Bulk ID
3-digit, numeric
3 digits of an internal bulk reference of
the SEPA-Clearer
Consistent assignment of the value
“001” for a BCF in the BCT service
In addition, field 72 of MT 900/MT 910 supports the code-word "ASINF" followed by the information given below.
SCL
Bulk ID
Format
Content
 Message identification (<MsgID>)
in group header of the settled SCT
bulk
 File reference (<FileRef>) in file
header of the settled BCF
Settlement date
6-digit, numeric
DDMMYY
Instructing or
instructed agent
BIC in group header of settled SCT
bulk or file header of settled BCF:
Submitted bulks: instructing agent
Delivered bulks: instructed agent
In MT 940/MT 950, the information “<MARKDEFFEDE>HHMMSS” is additionally incorporated into field 61, sub-field 9.
3) Return transfer of entire funds from the sub-account to the corresponding PM account
after completion of all settlements in a settlement procedure (SCT/BCT and SDD settlement
cycles) automatically initiated by the SEPA-Clearer
When retransferring the (entire amount of) liquidity from the sub-account to the PM account,
references are likewise assigned (note to such effect in field 21 of the MT 900/MT 910 as
well as in field 61 sub-field 7 of the MT 940/MT 950). In this case, however, it merely takes
the form of an internal reference to the TARGET2 platform deriving from the SEPA-Clearer
Page 40 of 42
application. Hence, reconciliation with the underlying transactions is not possible.
12
Annexes (schema files and corresponding sample files)
Note: Message instances (ie messages exchanged between banks and the SEPA-Clearer)
must contain the name space declaration at bulk level. This declaration thereafter applies to
all tags contained in the message; individual tags therefore need not be identified with the
prefix "sw”. SCL participants must take care to adhere to the stipulated entries/declaration
(see also sample files). Prefix data at bulk and individual transaction level result in the entire
file being returned using the error code R98 (implementation at a later expansion stage only).
SCL delivery messages to banks are likewise sent without a prefix at tag level.
Sample message instance:
<SCLSCT:pacs.008.001.02 xmlns="urn:iso:std:iso:20022:tech:xsd:sct:pacs.008.001.02">
<GrpHdr>
<MsgId>AAAAAAAAAAABCD123</MsgId>
Page 41 of 42
No
Sample name
Description of transaction type
1
BBkICFBlkCdtTrf_1.xml
Example of the submission of an input credit file (pacs.008,
camt.056, pacs.004 and camt.029) by an SCL participant to
the SEPA-Clearer
2
BBkSCFBlkCdtTrf_1.xml
Example of the delivery of a settled credit file (pacs.008)
from the SEPA clearer to an SCL participant
3
Example of the delivery of a settled credit file (pacs.004)
from the SEPA-Clearer to an SCL participant
4
Example of the delivery of a settled credit file (camt.056)
from the SEPA-Clearer to an SCL participant
5
Example of the delivery of a settled credit file (camt.029)
from the SEPA-Clearer to an SCL participant.
6
BBkCVFBlkCdtTrf_1.xml
Example of the rejection of an SCL participant’s entire file by
the SEPA-Clearer owing to the detection of a parsing XML
error
7
BBkCVFBlkCdtrTrf_2.xml
Example of a bulk submitted by an SCL participant being
rejected by the SEPA-Clearer owing to insufficient funds
8
Example of the rejection of a bulk submitted by an SCL participant by the SEPA-Clearer as all the transactions contained in it were rejected (bulk error code B09)
9
Example of the rejection of an SCL participant’s individually
submitted credit transfer by the SEPA-Clearer owing to an
error in the transferor’s IBAN
10
Example of the rejection of a BCT participant’s entire file by
the SEPA-Clearer owing to the detection of a parsing XML
error
11
BBkBCFBlkCdtTrf_1.xml
Example of the submission of a bilateral credit file
(pacs.008, camt.056, pacs.004 and camt.029) by an SCL
participant to the SEPA-Clearer
12
BBkBCFBlkCdtTrf_2.xml
Example of the delivery of a bilateral credit file (pacs.008,
camt.056, pacs.004 and camt.029) from the SEPA-Clearer
to an SCL participant
Page 42 of 42
Input Credit File (ICF) Header – BBkICFBlkCdtTrf
XML-File-Header
Input Credit File (ICF) Header
Use
 Submission of SCT files to the SEPA-Clearer (pacs.008, pacs.004, camt.056 and camt.029)
 Parsing errors result in the file being rejected with the error code R10.
 The schema file BBkICFBlkCdtTrf specifies the ICF.
SCT annex 1 of appendix “SCT/SCL technical specifications “ – BBkICFBlkCdtTrf
page 1 of 1
BBkICFBlkCdtTrf
Message structure
Status
Element/Attribut
Format
Content
Checks SCL
BBkICFBlkCdtTrf
BBkICFBlkCdtTrf
1..1
SndgInst
BBkICFBlkCdtTrf
+SndgInst
1..1
RcvgInst
BBkICFBlkCdtTrf
+RcvgInst
1..1
FileRef
BBkICFBlkCdtTrf
+FileRef
1..1
SrvcID
BBkICFBlkCdtTrf
+SrvcID
1..1
TstCode
BBkICFBlkCdtTrf
+TstCode
1..1
FType
Name
Typ
Pattern
Sending Institution
sw8:BICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
11-stelliger BIC des Senders
(Kommunikationspartner)
Name
Receiving
Institution
BBkICF:RcvgInstBICIdentifier
BIC des SEPA-Clearers
(Produktion: MARKDEFF;
Test: MARKDEF0)
Typ
Acceptable Codes
MARKDEF0
MARKDEFF
Name
File Reference
Typ
BBkICF:Max16Text
Pattern
[0-9A-Z]{16,16}
Name
Typ
Service Identifier
BBkICF:SrvcID
Acceptable Codes
SCT
Name
Test Code
Typ
BBkICF:TestCodeType
Acceptable Codes
P
T
Name
File Type
Referenz des Senders muss
geschäftstägig
eindeutig sein
Communication partner’s authorisation to
submit verified against the BIC in the group
header
error code: R11
Part of the duplication check
error code: R13
Check as to whether this element is
allocated with the BIC of the SEPA-Clearer
error code: R12
error code: R13
SCT
Entweder Wert “T” (Test) oder
Wert “P” (Produktion), abhängig
von der Verarbeitungsumgebung
Error code: R14
ICF
Fett = Element, Kursiv = Attribut, Grau = Gruppe
BBkICFBlkCdtTrf; SCL SCT
page 1 of 2
BBkICFBlkCdtTrf
Status
Element/Attribut
BBkICFBlkCdtTrf
+FType
1..1
FDtTm
BBkICFBlkCdtTrf
+FDtTm
1..1
NumCTBlk
BBkICFBlkCdtTrf
+NumCTBlk
1..1
NumPCRBlk
BBkICFBlkCdtTrf
+NumPCRBlk
1..1
NumRFRBlk
BBkICFBlkCdtTrf
+NumRFRBlk
1..1
NumROIBlk
BBkICFBlkCdtTrf
+NumROIBlk
Format
Typ
Typ
Pattern
Name
Typ
Pattern
Name
Typ
Pattern
Checks SCL
BBkICF:FType
Acceptable Codes
ICF
Name
File Date and Time
Typ
sw8:ISODateTime
Pattern
[0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}[T][0-9]{2,2}:
[0-9]{2,2}:[0-9]{2,2}[\S]*
Name
Total Number of
pacs.008 Bulks
Typ
BBkICF:Max8NumericText
Pattern
[0-9]{1,8}
Name
Content
Erstellungsdatum und –zeit
Gesamtanzahl der Credit
Transfer Bulks im ICF
Total Number of
camt.056 Bulks
[0-9]{1,8}
Gesamtanzahl der Payment
Cancellation Request Bulks im
ICF
Total Number of
pacs.004 Bulks
[0-9]{1,8}
Gesamtanzahl der Return Bulks
im ICF
Total Number of
camt.029 Bulks
[0-9]{1,8}
Gesamtanzahl der Result of
Investigation Bulks im ICF
Number of bulks within the file is not
consistent with the number given.
error code: R18
Maximum of 999 bulks per file is permitted
error code: S01
consistent with the number given
error code: R19
error code: S01
error code: R20
error code: S01
error code: R21
error code: S01
BBkICFBlkCdtTrf; SCL SCT
page 2 of 2
Credit Validation File (CVF) Header – BBkCVFBlkCdtTrf
XML-File-Header
Credit Validation File (CVF) Header
Use

File, bulk and individual transaction rejections of ICF by the SEPA-Clearer.
 Parsing errors lead to the entire ICF that was submitted being rejected with the error code R10; this is entered into the field
“File reject reason” of the CVF header.
 In the case of bulk and individual transaction rejections, the pacs.002.001.03SCL is added to the CVF header.
 File rejection of BCF by the SEPA-Clearer
 The CVF header is used for technical and functional errors and when there are insufficient funds.
 The schema BBkCVFBlkCdtTrf specifies the CVF.
SCT annex 2 of appendix “SCT/BCT/SCL technical specifications “ – BBkCVFBlkCdtTrf
page 1 of 1
BBkCVFBlkCdtTrf
Message structure
Status
Element/Attribut
Format
Content
Checks SCL
BBkCVFBlkCdtTrf
BBkCVFBlkCdtTrf
1..1
SndgInst
BBkCVFBlkCdtTrf
+SndgInst
1..1
RcvgInst
BBkCVFBlkCdtTrf
+RcvgInst
1..1
SrvcId
BBkCVFBlkCdtTrf
+SrvcId
1..1
TstCode
BBkCVFBlkCdtTrf
+TstCode
1..1
FType
BBkCVFBlkCdtTrf
+FType
1..1
FileRef
Name
Typ
Sending Institution
BBkCVF:SndgInstBICIdentifier
Acceptable Codes
MARKDEF0
MARKDEFF
Name
Receiving Institution
Typ
sw5:BICIdentifier
Pattern
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
Name
Service Identifier
Typ
BBkCVF:SrvcID
Acceptable Codes
BCT
SCT
Name
Test Code
Typ
BBkCVF:TestCodeType
Acceptable Codes
P
T
Name
File Type
Typ
BBkCVF:FTpType
Acceptable Codes
CVF
Name
File Reference
SEPA-Clearer's BIC (production:
MARKDEFF; test: MARKDEF0)
Recipient’s 11-digit BIC
(communication partner)
"SCT" for rejections of ICF
(File-, Bulk- or Tx- rejection)
"BCT" for rejections of BCF
(File-Rejection)
Either “T” (test) or “P” (production),
depending on the processing
environment
CVF
BBkCVFBlkCdtTrf; SCL SCT
page 1 of 2
BBkCVFBlkCdtTrf
Status
Element/Attribut
BBkCVFBlkCdtTrf
+FileRef
1..1
FileDtTm
BBkCVFBlkCdtTrf
+FileDtTm
0..1
OrigFRef
BBkCVFBlkCdtTrf
+OrigFRef
1..1
OrigFName
BBkCVFBlkCdtTrf
+OrigFName
0..1
OrigDtTm
BBkCVFBlkCdtTrf
+OrigDtTm
1..1
FileRjctRsn
BBkCVFBlkCdtTrf
+FileRjctRsn
1..1
FileBusDt
BBkCVFBlkCdtTrf
+FileBusDt
1..1
FileCycleNo
BBkCVFBlkCdtTrf
+FileCycleNo
Format
Content
Typ
Length
Pattern
Name
Typ
BBkCVF:Max16Text
1 .. 16
[0-9A-Z]{16,16}
File Date and Time
sw5:ISODateTime
Name
Typ
Length
Pattern
Name
Typ
Length
Original File Reference
BBkCVF:Max16Text
1 .. 16
[0-9A-Z]{16,16}
Original File Name
BBkCVF:Max32Text
1 .. 32
Name
Typ
Original Date And Time
sw5:ISODateTime
Name
Typ
File Reject Reason
BBkCVF:Text3
Reason for rejection/partial rejection
of file
Name
Typ
File Business Date
sw5:ISODate
Operating day on which the file was
created by the SEPA-Clearer
Name
Typ
Pattern
File Cycle Number
BBkCVF:Max2NumericText
[0-9]{2,2}
Processing phase during which the file
was created by the SEPA-Clearer
Checks SCL
File creation date and time
Given only when ascertainable from
original file
SWIFT FileAct: original ICF file name;
without the constant “SCL_”
EBICS: Internal by the
SEPA-Clearer generated reference.
Allows no conclusion about the
submitted file.
Only when ascertainable
BBkCVFBlkCdtTrf; SCL SCT
page 2 of 2
Settled Credit File (SCF) Header – BBkSCFBlkCdtTrf
XML-File-Header
Settled Credit File (SCF) Header
Use
 Delivery of SCT bulks (pacs.004, pacs.008, camt.056 and camt.029) by the SEPA-Clearer to a SEPA-Clearer participant.
 Each file contains exactly one bulk.
 The schema file BBkSCFBlkCdtTrf specifies the SCF.
SCT annex 3 of appendix “SCT/SCL technical specifications “ – BBkSCFBlkCdtTrf
page 1 of 1
BBkSCFBlkCdtTrf
Message structure
Status
Element/Attribut
Format
Content
Checks SCL
BBkSCFBlkCdtTrf
BBkSCFBlkCdtTrf
1..1
SndgInst
BBkSCFBlkCdtTrf
+SndgInst
1..1
RcvgInst
BBkSCFBlkCdtTrf
+RcvgInst
1..1
SrvcId
BBkSCFBlkCdtTrf
+SrvcId
1..1
TstCode
BBkSCFBlkCdtTrf
+TstCode
1..1
FType
BBkSCFBlkCdtTrf
+FType
1..1
FileRef
BBkSCFBlkCdtTrf
Name
Typ
Sending Institution
BBkSCF:SndgInstBICIdentifier
Acceptable Codes
MARKDEF0
MARKDEFF
Name
Receiving Institution
Typ
sw8:BICIdentifier
Pattern
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
Name
Service Identifier
Typ
BBkSCF:SrvcID
Acceptable Codes
SCT
Name
Test Code
Typ
BBkSCF:TestCodeType
Acceptable Codes
P
T
Name
File Type
Typ
BBkSCF:FTpType
Acceptable Codes
SCF
Name
File Reference
Typ
BBkSCF:Max16Text
Length
1 .. 16
The SEPA-Clearer's BIC
(production: MARKDEFF; test:
MARKDEF0)
Recipient’s 11-digit BIC
(communication partner)
SCT
Either “T” (test) or “P” (production)
depending on the processing
environment
SCF
BBkSCFBlkCdtTrf; SCL SCT
page 1 of 2
BBkSCFBlkCdtTrf
Status
Element/Attribut
+FileRef
1..1
RoutingInd
BBkSCFBlkCdtTrf
+RoutingInd
1..1
FileBusDt
BBkSCFBlkCdtTrf
+FileBusDt
1..1
FileCycleNo
BBkSCFBlkCdtTrf
+FileCycleNo
Format
Pattern
Name
Typ
[0-9A-Z]{16,16}
Routing Indicator
BBkSCF:RoutingInd
Acceptable Codes
ALL
DIR
IND
RET
Name
File Business Date
Typ
sw8:ISODate
Pattern
[0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
Name
Typ
Pattern
File Cycle Number
BBkSCF:Max2NumericText
[0-9]{2,2}
Content
Checks SCL
ALL
Business day on which the file was
created by the SEPA-Clearer
Processing phase during which the
file was created by the
SEPA-Clearer
BBkSCFBlkCdtTrf; SCL SCT
page 2 of 2
Bilateral Input Credit File (BCF) Header – BBkBCFBlkCdtTrf
XML-File-Header
Bilateral Credit File (BCF) Header
Verwendung
 Submission of BCT files to the SEPA-Clearer
 Delivery of BCT files by the SEPA-Clearer
 Parsing errors result in the file being rejected with the error code R10
 The schema file „BBkBCFBlkCdtTrf“ specifies the BCF
SCT annex 4 of appendix “SCT/BCT/SCL technical specifications “ – BBkBCFBlkCdtTrf
page 1 von 1
BBkBCFBlkCdtTrf
Message structure
Status
Element/Attribut
Format
Content
Checks SCL
BBkBCFBlkCdtTrf
BBkBCFBlkCdtTrf
1..1
SndgInst
BBkBCFBlkCdtTrf
+SndgInst
Name
Typ
Pattern
Sending Institution
sw8:BICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
For submissions to the SEPAClearer:
Sender’s 11-digit BIC
Communication partner’s authorisation to submit
verified against the BIC of the Instructing Agent
on file level.
error code: R11
For deliveries from the SEPAClearer:
1..1
RcvgInst
BBkBCFBlkCdtTrf
+RcvgInst
Name
Typ
Pattern
Receiving
Institution
sw8:BICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
SEPA-Clearer's BIC (production: MARKDEFF;
test: MARKDEF0)
Check as to whether this element is allocated
with the BIC of the SEPA-Clearer
error code: R12
For deliveries from the SEPAClearer:
Communication partner’s 11-digit BIC
1..1
InstgAgt
BBkBCFBlkCdtTrf
+InstgAgt
1..1
FinInstnId
BBkBCFBlkCdtTrf
Name
Typ
Name
Typ
Instructing Agent
sw8:
SCLSCTBranchAndFinancialInstitutionIdentifi
cation4
Financial Institution Identification
sw8:
SCLSCTFinancialInstitutionIdentification7
BBkBCFBlkCdtTrf; SCL SCT
page 1 of 6
BBkBCFBlkCdtTrf
Status
Element/Attribut
Format
Content
Checks SCL
+InstgAgt
++FinInstnId
1..1
BIC
BBkBCFBlkCdtTrf
+InstgAgt
++FinInstnId
+++BIC
Name
Typ
Pattern
BIC
sw8:BICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
Sender’s BIC
Allocation of the BIC of the BCT-participant which
is linked with the TARGET2 sub-account
assigned for settlement (<TtlIntrBkSttlmAmt>)
with the SEPA-Clearer.
The field must be assigned in the file. The
submitter must be entitled for the BCT Service.
Error code: RIA
Check if there is a existing agreement between
the submitting and the addressed (field
<InstdAgt>) BCT participant
Error Code: R97
1..1
InstdAgt
BBkBCFBlkCdtTrf
+InstdAgt
1..1
FinInstnId
BBkBCFBlkCdtTrf
+InstdAgt
++FinInstnId
1..1
BIC
Name
Typ
Name
Typ
Name
Instructed Agent
sw8:
cation4
sw8:
BIC
Allocation of the BIC of the receiving
BCT-participant which is linked with the
TARGET2 sub-account assigned for settlement
(<TtlIntrBkSttlmAmt>) with the SEPA-Clearer.
page 2 of 6
BBkBCFBlkCdtTrf
Status
Element/Attribut
BBkBCFBlkCdtTrf
+InstdAgt
++FinInstnId
+++BIC
1..1
FileRef
BBkBCFBlkCdtTrf
+FileRef
1..1
SrvcID
BBkBCFBlkCdtTrf
+SrvcID
1..1
TstCode
BBkBCFBlkCdtTrf
+TstCode
1..1
FType
BBkBCFBlkCdtTrf
+FType
1..1
FDtTm
Format
Typ
Pattern
sw8:BICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
Name
Typ
Pattern
File Reference
BBkBCT:Max16Text
[0-9A-Z]{16,16}
Content
Checks SCL
Error code: R13
The first 8 or 11 characters oft he FileRef must
match the BIC of <InstgAgt> in BCF. The rest of
the field can be freely defined.
Error code: RFR
Name
Typ
Service Identifier
BBkBCT:SrvcID
Acceptable Codes
BCT
Name
Test Code
Typ
BBkBCT:TestCodeType
Acceptable Codes
P
T
Name
File Type
Typ
BBkBCT:FType
Acceptable Codes
BCF
Name
File Date and Time
BCT
Either “T” (test) or “P”
(production), depending on the
processing environment
BCF
File creation date and time
page 3 of 6
BBkBCFBlkCdtTrf
Status
Element/Attribut
BBkBCFBlkCdtTrf
+FDtTm
1..1
IntrBkSttlmDt
BBkBCFBlkCdtTrf
+IntrBkSttlmDt
1..1
TtlIntrBkSttlmAmt
BBkBCFBlkCdtTrf
+TtlIntrBkSttlmAmt
required
Attribute: Ccy
1..1
TtlNbOfTxs
BBkBCFBlkCdtTrf
+TtlNbOfTxs
0..1
CTBlk
Format
Typ
Pattern
Name
Typ
Pattern
sw8:ISODateTime
[0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}[T][0-9]{2,2}:
[0-9]{2,2}:[0-9]{2,2}[\S]*
Interbank Settlement Date
sw8:ISODate
[0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
Name
Typ
FractionDigits
TotalDigits
Inclusive
NbOfBlk
Checks SCL
Settlement date
(Booking date) of the collection
Total Interbank Settlement Amount
sw8:SCLSCTCurrencyAndAmount_2
2
18
0.01
.. 999999999999999.
99
Pattern
[0-9]{0,15}([\.]([0-9]{0,2})){0,1}
Typ
sw8:SCLSCTCurrencyCode
Use
required
Acceptable Codes
EUR
Name
Total Number of Transactions
Typ
sw8:Max15NumericText
Pattern
[0-9]{1,15}
The total amount of single
transactions
Name
Credit Transfer Bulk
Optional element group for
balancing informations
Name
Typ
Number of Bulks
BBkBCT:Max8NumericText
Number of bulks in the file
BBkBCFBlkCdtTrf
+CTBlk
0..1
Content
For submissions in the submission
windows with the cut-off 8.00, 10.00,
13.00 and 15.00 the current operating day
of the SEPA-Clearer must be given.
For submissions in the submission
window with the cut-off 20.00, the
next operating day of the
SEPA-Clearer must be given.
Error code: RID
Amount must be at least 0.01 and no
more than 999999999999999.99.
(Schema validation)
Total number of Credit Transfer
bulks in the file
page 4 of 6
BBkBCFBlkCdtTrf
Status
Element/Attribut
BBkBCFBlkCdtTrf
+CTBlk
++NbOfBlk
0..1
NbOfTxs
BBkBCFBlkCdtTrf
+CTBlk
++NbOfTxs
0..1
IntrBkSttlmAmt
BBkBCFBlkCdtTrf
+CTBlk
++IntrBkSttlmAmt
required
Attribute: Ccy
0..1
PCRBlk
Format
Pattern
[0-9]{1,8}
Name
Typ
Pattern
Number of Transactions
[0-9]{1,15}
Name
Typ
FractionDigits
TotalDigits
Inclusive
NbOfBlk
BBkBCFBlkCdtTrf
+PCRBlk
++NbOfBlk
0..1
NbOfTxs
BBkBCFBlkCdtTrf
+PCRBlk
++NbOfTxs
0..1
IntrBkSttlmAmt
BBkBCFBlkCdtTrf
+PCRBlk
++IntrBkSttlmAmt
required
Attribute: Ccy
Total amount of the bulks
Name
Typ
Pattern
Number of Bulks
[0-9]{1,8}
Total number of bulks in the file
Name
Typ
Pattern
[0-9]{1,15}
Total number of single
transactions in the bulk
Name
Typ
FractionDigits
TotalDigits
Inclusive
Interbank Settlement Amount
2
18
0.01
.. 999999999999999.
99
[0-9]{0,15}([\.]([0-9]{0,2})){0,1}
required
Pattern
Typ
Use
Checks SCL
Total number of payment in the
bulks
2
18
0.01
.. 999999999999999.
99
Pattern
[0-9]{0,15}([\.]([0-9]{0,2})){0,1}
Typ
Use
required
Acceptable Codes
EUR
Name
Payment Cancellation Request Bulk
BBkBCFBlkCdtTrf
+PCRBlk
0..1
Content
more than 999999999999999.99.
(Schema validation)
more than 999999999999999.99.
(Schema validation)
page 5 of 6
BBkBCFBlkCdtTrf
Status
0..1
Element/Attribut
RFRBlk
Format
Acceptable Codes
EUR
Name
Return Bulk
BBkBCFBlkCdtTrf
+RFRBlk
0..1
NbOfBlk
BBkBCFBlkCdtTrf
+RFRBlk
++NbOfBlk
0..1
NbOfTxs
BBkBCFBlkCdtTrf
+RFRBlk
++NbOfTxs
0..1
IntrBkSttlmAmt
BBkBCFBlkCdtTrf
+RFRBlk
++IntrBkSttlmAmt
required
Attribute: Ccy
0..1
ROIBlk
Number of Bulks
[0-9]{1,8}
Name
Typ
Pattern
[0-9]{1,15}
Total number of payment in the bulks
Name
Typ
FractionDigits
TotalDigits
Inclusive
NbOfBlk
BBkBCFBlkCdtTrf
+ROIBlk
++NbOfBlk
0..1
NbOfTxs
BBkBCFBlkCdtTrf
+ROIBlk
++NbOfTxs
Checks SCL
Name
Typ
Pattern
2
18
0.01
.. 999999999999999.
99
Pattern
[0-9]{0,15}([\.]([0-9]{0,2})){0,1}
Typ
Use
required
Acceptable Codes
EUR
Name
Result of Investigation Bulk
Name
Typ
Pattern
Number of Bulks
[0-9]{1,8}
Name
Typ
Pattern
[0-9]{1,15}
Total number of payment in the bulks
BBkBCFBlkCdtTrf
+ROIBlk
0..1
Content
more than 999999999999999.99.
(Schema validation)
page 6 of 6
SCT Interbank Payment Dataset (DS-02) – pacs.008.001.02
Memo
SEPA Credit Transfer – Interbank Payment Dataset (DS-02)
SCT annex 5 of appendix “SCT/SCL technical specifications “ – pacs.008.001.02
page 1 of 2
SCT Interbank Payment Dataset (DS-02) – pacs.008.001.02
Use of bank-to-bank credit transfer (pacs.008.001.02)
This message is used to transport a payment instruction from the payer’s payment service provider to the payee’s payment service
provider directly or through intermediaries.
The message caters for bulk and single payment instructions.
ISO message structure
A bank-to-bank credit transfer message contains


a single group header
one or more ‘Credit transfer transaction information’ sequences, each of which contains a credit transfer instruction as defined in
DS-02.
Group header
The group header contains information required to process the entire message.
SCT annex 5 of appendix “SCT/SCL technical specifications “ – pacs.008.001.02
page 2 of 2
pacs.008.001.02
Message structure
Status
Element/Attribut
Format
EPC references
(if available)
Contents and checks
SEPA-Clearer
Document
Typ
Document
1..1
Document
FIToFICstmrCdtTrf
Typ
FIToFICustomerCreditTransferV02
1..1
FIToFICstmrCdtTrf
GrpHdr
Group Header
SCLSCTGroupHeader33
Contains general processing information which
applies to each individual payment.
1..1
FIToFICstmrCdtTrf
+GrpHdr
MsgId
Name
Typ
Name
Typ
Pattern
Message Identification
SCLSCTId7
([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35}
Bulk reference number.
Name
Typ
Pattern
Creation Date Time
ISODateTime
[0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}[T][0-9]{2,2}:
[0-9]{2,2}:[0-9]{2,2}[\S]*
Name
Typ
Pattern
Number Of Transactions
Max15NumericText
[0-9]{1,15}
FIToFICstmrCdtTrf
+GrpHdr
++MsgId
1..1
CreDtTm
1..1
FIToFICstmrCdtTrf
+GrpHdr
++CreDtTm
NbOfTxs
FIToFICstmrCdtTrf
+GrpHdr
++NbOfTxs
Part of the duplication check (unique daily
reference).
Error code: B14
The first 8 or 11 characters of Msgld must match
the BIC of InstgAgt in the ICF. The rest of the
field can be freely defined.
Error code: B98
Bulk creation date and time.
Total number of single transactions in the bulk.
Must not exceed 100,000 (maximum parameter
of data records in the bulk).
Error code: B02
pacs.008.001.02; SCL SCT
page 1 of 38
pacs.008.001.02
Status
1..1
Element/Attribut
TtlIntrBkSttlmAmt
FIToFICstmrCdtTrf
+GrpHdr
++TtlIntrBkSttlmAmt
Format
Name
Typ
FractionDigits
TotalDigits
Inclusive
Pattern
EPC references
(if available)
Total Interbank Settlement Amount
SCLSCTCurrencyAndAmount_2
2
18
0.01
.. 999999999999999.
99
[0-9]{0,15}([\.]([0-9]{0,2})){0,1}
Mandatory
Usage Rule: Only 'EUR' is allowed.
Usage Rule: Amount must be 0.01
or more and 999999999999999.99
or less.
Format Rule: The fractional part
has a maximum of two digits.
Contents and checks
SEPA-Clearer
Total number of datasets must be equal to the
actual number of individual data records in the
bulk.
Error code: B03
Integer value up to 15 characters allowed.
Maximum number of decimal places allowed is
two.
(Schema validation)
Currency designation is always ‘EUR’. (Schema
validation)
The total amount given must equal the sum of
the single transactions in the bulk.
Error code: B05
Amount must be at least 0.01 and no more than
999999999999999.99. (Schema validation)
required
Attribute:
1..1
IntrBkSttlmDt
Ccy
FIToFICstmrCdtTrf
+GrpHdr
++IntrBkSttlmDt
Typ
SCLSCTCurrencyCode
Use
required
Acceptable Codes
EUR
Name
Typ
ISODate
Pattern
[0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
Mandatory
(AT-42 Settlement Date of the
Credit Transfer)
Operating day on which the payments in the bulk
should be processed in the SEPA-Clearer.
For submissions in the submission windows with
the cut-off 8.00, 10.00, 13.00 and 15.00 the
current operating day of the SEPA-Clearer must
be given.
For submissions in the submission window with
the cut-off 20.00, the next operating day of the
Error code: B15
<IntrBkSttlmDt> is part of the duplication check
at bulk level (unique daily reference) and
individual transaction level.
page 2 of 38
pacs.008.001.02
Status
Element/Attribut
1..1
SttlmInf
1..1
FIToFICstmrCdtTrf
+GrpHdr
++SttlmInf
SttlmMtd
FIToFICstmrCdtTrf
+GrpHdr
++SttlmInf
+++SttlmMtd
1..1
ClrSys
FIToFICstmrCdtTrf
+GrpHdr
++SttlmInf
+++ClrSys
Format
EPC references
(if available)
Name
Typ
Settlement Information
SCLSCTSettlementInformation13
Name
Typ
Settlement Method
SCLSCTSettlementMethod1Code
Usage Rule:
Only CLRG, INGA and INDA are
allowed.
Contents and checks
SEPA-Clearer
Information on the settlement mechanism.
Only the code ‘CLRG’ is allowed.
(Schema validation)
Acceptable Codes
CLRG
Name
Clearing System
Typ
SCLSCTClearingSystemIdentification3Choic
e
page 3 of 38
pacs.008.001.02
Status
1..1
Element/Attribut
Prtry
FIToFICstmrCdtTrf
+GrpHdr
++SttlmInf
+++ClrSys
++++Prtry
0..1
InstgAgt
1..1
FIToFICstmrCdtTrf
+GrpHdr
++InstgAgt
FinInstnId
1..1
FIToFICstmrCdtTrf
+GrpHdr
++InstgAgt
+++FinInstnId
BIC
FIToFICstmrCdtTrf
+GrpHdr
++InstgAgt
+++FinInstnId
++++BIC
Format
Name
Typ
Pattern
EPC references
(if available)
Proprietary
SCLSCTId7_2
([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35}
Contents and checks
SEPA-Clearer
Code for the clearing system. For the
SEPA-Clearer, only the value ‘SCL’ is
admissible.
(Schema validation)
Acceptable Codes
SCL
Name
Instructing Agent
Usage Rule: Only BIC is allowed.
Typ
cation4
Name
Typ
Name
Typ
Pattern
BIC
BICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
Only to be used for submissions to the
SEPA-Clearer. Allocation of the BIC of the SCL
participant which is linked with the TARGET2
sub-account assigned for settlement with the
SEPA-Clearer. Part of duplication check
(unique daily reference)
Part of the duplication check.
page 4 of 38
pacs.008.001.02
Status
Element/Attribut
Format
EPC references
(if available)
Contents and checks
SEPA-Clearer
BIC must be contained in the Input Credit File
(ICF) and be eligible for submitting payments of
this type.
Error code: B10
0..1
InstdAgt
1..1
FIToFICstmrCdtTrf
+GrpHdr
++InstdAgt
FinInstnId
1..1
FIToFICstmrCdtTrf
+GrpHdr
++InstdAgt
+++FinInstnId
BIC
1..n
FIToFICstmrCdtTrf
+GrpHdr
++InstdAgt
+++FinInstnId
++++BIC
CdtTrfTxInf
Name
Typ
Instructed Agent
cation4
Name
Typ
Name
Typ
Pattern
BIC
BICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
Name
Typ
Credit Transfer Transaction Information
CreditTransferTransactionInformation11
Only to be used for deliveries from the
SEPA-Clearer.
Error code: B11
page 5 of 38
pacs.008.001.02
Status
Element/Attribut
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
PmtId
0..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++PmtId
InstrId
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++PmtId
+++InstrId
EndToEndId
FIToFICstmrCdtTrf
+CdtTrfTxInf
++PmtId
+++EndToEndId
1..1
TxId
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++PmtId
+++TxId
PmtTpInf
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++PmtTpInf
SvcLvl
FIToFICstmrCdtTrf
Format
EPC references
(if available)
Name
Typ
Payment Identification
extension (SCLSCTPaymentIdentification3)
Name
Typ
Pattern
Instruction Identification
SCLSCTId7
([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35}
Name
Typ
Length
Pattern
WhiteSpace
End to End Identification
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Pattern
Transaction Identification
SCLSCTId7
([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35}
Name
Typ
Payment Type Information
SCLSCTPaymentTypeInformation21
Name
Typ
Service Level
SCLSCTServiceLevel8Choice
Contents and checks
SEPA-Clearer
Reference number of the instructing agent (‘own
ref’). Point-to-point reference.
(AT-41 Originator's Reference to
the Credit Transfer)
Usage Rule: A customer reference
that must be passed on in the endto-end chain. In the event that no
reference was given,
'NOTPROVIDED' must be used.
(AT-43 Originator Bank's
Reference)
Usage Rule: Must contain a
reference that is meaningful to the
Originator's Bank and is unique
over time.
Usage Rule: "Payment Type
Information" must be present in
either "Group Header" or "Credit
Transaction Information".
Payer’s reference.
If the end-to-end ID is not given,
'NOTPROVIDED’ must be entered.
There is no provision for a check using the
SEPA-Clearer.
Mandatory
Only intended at single record level in the
SEPA-Clearer.
Reference of the remitting payment service
provider.
Transaction ID is part of the duplication check at
single record level. Error code: AM05
Only intended at single record level in the
SEPA-Clearer.
page 6 of 38
pacs.008.001.02
Status
1..1
Element/Attribut
+CdtTrfTxInf
++PmtTpInf
+++SvcLvl
Cd
FIToFICstmrCdtTrf
+CdtTrfTxInf
++PmtTpInf
+++SvcLvl
++++Cd
0..1
LclInstrm
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++PmtTpInf
+++LclInstrm
Cd
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++PmtTpInf
+++LclInstrm
++++Cd
Prtry
0..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++PmtTpInf
+++LclInstrm
++++Prtry
CtgyPurp
Format
Name
Typ
EPC references
(if available)
Code
SCLSCTExternalServiceLevel1Code
Acceptable Codes
SEPA
Name
Local Instrument
Typ
SCLSCTLocalInstrument2Choice
(AT-40 Identification code of the
scheme)
Usage Rule: Only "SEPA"
is allowed.
Contents and checks
SEPA-Clearer
In the SEPA-Clearer, only the code ‘‘SEPA’’ is
admissible. (Schema validation)
Usage Rule: Only used if bilaterally
agreed between the Debtor Bank
and the Creditor Bank.
Name
Typ
Length
WhiteSpace
Code
ExternalLocalInstrument1Code
1 .. 35
collapse
<Cd> and <Prtry> (see below) cannot be used
simultaneously.
No entry is required for submissions to the SCL,
whereas for deliveries from the SLC an entry
may be made in the field.
There is no validation by the SCL.
Name
Typ
Pattern
Proprietary
SCLSCTId8
([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|'|\s]){1,35}
<Cd> (see above) and <Prtry> cannot
be used simultaneously.
whereas for deliveries from the SCL an entry
may be made in the field.
There is no validation by the SCL.
Name
Category Purpose
(AT-45 Category purpose of the
No plausibility check if <Purp> and<Ctgy purp>
fields both contain entries, ie SCL ignores
conflicting entries.
page 7 of 38
pacs.008.001.02
Status
Element/Attribut
FIToFICstmrCdtTrf
+CdtTrfTxInf
++PmtTpInf
+++CtgyPurp
1..1
Cd
FIToFICstmrCdtTrf
+CdtTrfTxInf
++PmtTpInf
+++CtgyPurp
++++Cd
1..1
Prtry
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++PmtTpInf
+++CtgyPurp
++++Prtry
IntrBkSttlmAmt
FIToFICstmrCdtTrf
+CdtTrfTxInf
++IntrBkSttlmAmt
Format
EPC references
(if available)
Contents and checks
SEPA-Clearer
Typ
CategoryPurpose1Choice
Credit Transfer)
Usage Rule: Depending on the
agreement between the Originator
and the Originator Bank, "Category
Purpose" may be forwarded to the
Beneficiary Bank.
Name
Typ
Length
Pattern
WhiteSpace
Code
ExternalCategoryPurpose1Code
1 .. 4
\S+.*
collapse
Category purpose. Cd and Prtry (see below)
cannot be used simultaneously.
Name
Typ
Length
Pattern
WhiteSpace
Proprietary
Max35Text
1 .. 35
\S+.*
collapse
Category purpose. <Cd> and <Prtry> (see above)
cannot be used simultaneously.
whereas for deliveries from the SCL an entry may
be made in the field. There is no validation by the
SCL.
Name
Typ
FractionDigits
TotalDigits
Inclusive
Pattern
2
18
0.01
.. 999999999.99
[0-9]{0,15}([\.]([0-9]{0,2})){0,1}
Field may be completed in accordance with the
external code list (ISO 20022) to specify the
purpose of a transaction. There is no validation
by the SCL.
A maximum of four characters may be entered.
No entry is required for submissions to the
SCL, whereas for deliveries from the SCL an
entry may be made in the field.
(AT-04 Amount of the Credit
Transfer in Euro)
or more and 999999999.99 or less.
The amount of the relevant transfer.
The currency designation must be ‘EUR’.
(Schema validation)
A maximum of two decimal places may be used
due to currency designation ‘EUR’. (Schema
validation)
Must not exceed permitted maximum amount
(999999999.99) and must be greater than ‘0’.
(Schema validation)
page 8 of 38
pacs.008.001.02
Status
Element/Attribut
required
Attribute:
1..1
ChrgBr
Ccy
FIToFICstmrCdtTrf
+CdtTrfTxInf
++ChrgBr
0..1
InstgAgt
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++InstgAgt
FinInstnId
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++InstgAgt
+++FinInstnId
BIC
FIToFICstmrCdtTrf
+CdtTrfTxInf
++InstgAgt
+++FinInstnId
++++BIC
Format
EPC references
(if available)
Typ
SCLSCTCurrencyCode
Use
required
Acceptable Codes
EUR
Name
Charge Bearer
Typ
SCLSCTChargeBearerType1Code
Acceptable Codes
SLEV
Name
Instructing Agent
Typ
cation4
Name
Typ
Name
Typ
Pattern
BIC
BICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
Contents and checks
SEPA-Clearer
Usage Rule: Only 'SLEV' is
allowed.
Charge bearer
Only SLEV is allowed. (Schema validation)
Original submitter of the transfer. May only be
shown in the Settlement Credit File (SCF).
Original submitter of the transfer. May only be
entered in the Settlement Credit File (SCF),
may not be included in the Input Credit File
(ICF) of the SCL participant.
Error code: XT13
page 9 of 38
pacs.008.001.02
Status
Element/Attribut
0..1
UltmtDbtr
0..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtDbtr
Nm
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtDbtr
+++Nm
0..1
Id
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtDbtr
+++Id
OrgId
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtDbtr
+++Id
++++OrgId
BICOrBEI
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtDbtr
+++Id
++++OrgId
+++++BICOrBEI
Othr
Format
EPC references
(if available)
Contents and checks
SEPA-Clearer
Name
Typ
Ultimate Debtor
SCLSCTPartyIdentification321
Ultimate debtor
Name
Typ
Length
Pattern
WhiteSpace
Name
Max70Text
1 .. 70
\S+.*
collapse
(AT-08 Name of the Originator
Reference Party) Usage Rule:
"Name" is limited to 70 characters
in length.
Name of the ultimate debtor.
Name
Typ
Identification
SCLSCTParty6Choice
Originator Reference Party)
Either ‘Organisation Id’ or one occurrence of
‘Private identification’ admissible. (Schema
validation)
Name
Typ
Organisation Identification
SCLSCTOrganisationIdentification41
Usage Rule: Either "BICOrBEI" or
one occurrence of "Other" is
allowed.
Name
Typ
Pattern
BICOrBEI
AnyBICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
The Organisation Id of the ultimate debtor.
Either BICOrBEI or Othr
admissible.
Name
Other
The Organisation Id of the ultimate debtor.
admissible.
page 10 of 38
pacs.008.001.02
Status
Element/Attribut
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtDbtr
+++Id
++++OrgId
+++++Othr
1..1
Id
0..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtDbtr
+++Id
++++OrgId
+++++Othr
++++++Id
SchmeNm
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtDbtr
+++Id
++++OrgId
+++++Othr
++++++SchmeNm
Cd
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtDbtr
+++Id
++++OrgId
+++++Othr
++++++SchmeNm
+++++++Cd
Prtry
Format
EPC references
(if available)
Typ
GenericOrganisationIdentification1
Name
Typ
Length
Pattern
WhiteSpace
Identification
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Scheme Name
OrganisationIdentificationSchemeName1Cho
ice
Name
Typ
Length
Pattern
WhiteSpace
Code
ExternalOrganisationIdentification1Code
1 .. 4
\S+.*
collapse
Name
Proprietary
Contents and checks
SEPA-Clearer
page 11 of 38
pacs.008.001.02
Status
Element/Attribut
0..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtDbtr
+++Id
++++OrgId
+++++Othr
++++++SchmeNm
+++++++Prtry
Issr
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtDbtr
+++Id
++++OrgId
+++++Othr
++++++Issr
PrvtId
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtDbtr
+++Id
++++PrvtId
DtAndPlcOfBirth
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtDbtr
+++Id
++++PrvtId
+++++DtAndPlcOfBirth
BirthDt
FIToFICstmrCdtTrf
Format
EPC references
(if available)
Typ
Length
Pattern
WhiteSpace
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Issuer
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Private Identification
SCLSCTPersonIdentification51
Name
Typ
Date and Place of Birth
DateAndPlaceOfBirth
Name
Typ
Pattern
Birth Date
ISODate
[0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
Contents and checks
SEPA-Clearer
Usage Rule: Either "Date and
Place of Birth" or one occurrence of
"Other" is allowed.
The Private Id of the ultimate debtor.
Either ‘Organisation Id’ or one occurrence of
‘Private Id’ admissible. (Schema validation).
page 12 of 38
pacs.008.001.02
Status
Element/Attribut
0..1
+CdtTrfTxInf
++UltmtDbtr
+++Id
++++PrvtId
++++++BirthDt
PrvcOfBirth
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtDbtr
+++Id
++++PrvtId
++++++PrvcOfBirth
CityOfBirth
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtDbtr
+++Id
++++PrvtId
++++++CityOfBirth
CtryOfBirth
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtDbtr
+++Id
++++PrvtId
++++++CtryOfBirth
Othr
Format
EPC references
(if available)
Name
Typ
Length
Pattern
WhiteSpace
Province of Birth
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
City of Birth
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Pattern
Country of Birth
CountryCode
[A-Z]{2,2}
Name
Typ
Other
GenericPersonIdentification1
Contents and checks
SEPA-Clearer
page 13 of 38
pacs.008.001.02
Status
Element/Attribut
Format
EPC references
(if available)
Contents and checks
SEPA-Clearer
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtDbtr
+++Id
++++PrvtId
+++++Othr
1..1
Id
0..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtDbtr
+++Id
++++PrvtId
+++++Othr
++++++Id
SchmeNm
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtDbtr
+++Id
++++PrvtId
+++++Othr
++++++SchmeNm
Cd
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtDbtr
+++Id
++++PrvtId
+++++Othr
++++++SchmeNm
+++++++Cd
Prtry
Name
Typ
Length
Pattern
WhiteSpace
Identification
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Scheme Name
PersonIdentificationSchemeName1Choice
Name
Typ
Length
Pattern
WhiteSpace
Code
ExternalPersonIdentification1Code
1 .. 4
\S+.*
collapse
Name
Proprietary
page 14 of 38
pacs.008.001.02
Status
Element/Attribut
0..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtDbtr
+++Id
++++PrvtId
+++++Othr
++++++SchmeNm
+++++++Prtry
Issr
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtDbtr
+++Id
++++PrvtId
+++++Othr
++++++Issr
Dbtr
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Dbtr
Nm
0..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Dbtr
+++Nm
PstlAdr
0..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Dbtr
+++PstlAdr
Ctry
Format
EPC references
(if available)
Contents and checks
SEPA-Clearer
Typ
Length
Pattern
WhiteSpace
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Issuer
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Debtor
Name
Typ
Length
Pattern
WhiteSpace
Name
Max70Text
1 .. 70
\S+.*
collapse
Mandatory
Name of payer.
(AT-02 Name of the Orignator)
Usage Rule: Name is limited to 70
characters in length.
Name
Typ
Postal Address
SCLSCTPostalAddress6
(AT-03 Address of the Originator)
Name
Country
Payer
Adresse des Zahlers
Die Adresszeile darf maximal
zweimal vorkommen (SchemaValidierung). Address of the payer.
"Address" line may not occur more than twice.
(Schema validation)
Address of the payer.
Country of payer according to address given.
Must be an acceptable country
code in accordance with ISO 3166
Error code: XT73
page 15 of 38
pacs.008.001.02
Status
0..2
Element/Attribut
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Dbtr
+++PstlAdr
++++Ctry
AdrLine
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Dbtr
+++PstlAdr
++++AdrLine
0..1
Id
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Dbtr
+++Id
OrgId
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Dbtr
+++Id
++++OrgId
BICOrBEI
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Dbtr
+++Id
++++OrgId
+++++BICOrBEI
Format
EPC references
(if available)
Contents and checks
SEPA-Clearer
Typ
Pattern
CountryCode
[A-Z]{2,2}
Name
Typ
Length
Pattern
WhiteSpace
Address Line
Max70Text
1 .. 70
\S+.*
collapse
Usage Rule: Only two occurrences Address of the payer.
of 'Address Line' are allowed.
"Address" line may not occur more than twice.
(Schema validation)
Name
Typ
Identification
SCLSCTParty6Choice
(AT-10 Originator's Identification
Code).
Identification of the payer.
Name
Typ
Usage Rule: Either ‘BIC or BEI’ or
one occurrence of ‘Other’ is
allowed.
May not be specified simultaneously with
Id/PrvtId (see below).
(Schema validation)
All ISO 20022 options are
allowed.
Name
Typ
Pattern
BICOrBEI
AnyBICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
Identification of the payer.
The Organisation Id of the payer.
admissible.
(Schema validation)
page 16 of 38
pacs.008.001.02
Status
1..1
Element/Attribut
Othr
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Dbtr
+++Id
++++OrgId
+++++Othr
1..1
Id
0..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Dbtr
+++Id
++++OrgId
+++++Othr
++++++Id
SchmeNm
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Dbtr
+++Id
++++OrgId
+++++Othr
++++++SchmeNm
Cd
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Dbtr
+++Id
++++OrgId
+++++Othr
Format
EPC references
(if available)
Name
Typ
Other
Name
Typ
Length
Pattern
WhiteSpace
Identification
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Scheme Name
ice
Name
Typ
Length
Pattern
WhiteSpace
Code
1 .. 4
\S+.*
collapse
Contents and checks
SEPA-Clearer
allowed.
The Organisation Id of the payer. Either
BICOrBEI or Othr admissible.
page 17 of 38
pacs.008.001.02
Status
Element/Attribut
1..1
++++++SchmeNm
+++++++Cd
Prtry
0..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Dbtr
+++Id
++++OrgId
+++++Othr
++++++SchmeNm
+++++++Prtry
Issr
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Dbtr
+++Id
++++OrgId
+++++Othr
++++++Issr
PrvtId
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Dbtr
+++Id
++++PrvtId
DtAndPlcOfBirth
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Dbtr
+++Id
++++PrvtId
Format
EPC references
(if available)
Name
Typ
Length
Pattern
WhiteSpace
Proprietary
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Issuer
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Name
Typ
DateAndPlaceOfBirth
Contents and checks
SEPA-Clearer
May not be specified simultaneously with Id/OrgId
Place of Birth" or one occurrence of (see above).
"Other" is allowed.
(Schema validation)
(see above).
(Schema validation)
The Private Id of the payer. Either Organisation Id
or one occurence of the Private
Identification admissible
(Schema validation).
page 18 of 38
pacs.008.001.02
Status
Element/Attribut
1..1
BirthDt
0..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Dbtr
+++Id
++++PrvtId
++++++BirthDt
PrvcOfBirth
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Dbtr
+++Id
++++PrvtId
++++++PrvcOfBirth
CityOfBirth
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Dbtr
+++Id
++++PrvtId
++++++CityOfBirth
CtryOfBirth
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Dbtr
+++Id
Format
EPC references
(if available)
Name
Typ
Pattern
Birth Date
ISODate
[0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
Name
Typ
Length
Pattern
WhiteSpace
Province of Birth
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
City of Birth
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Pattern
Country of Birth
CountryCode
[A-Z]{2,2}
Contents and checks
SEPA-Clearer
page 19 of 38
pacs.008.001.02
Status
1..1
Element/Attribut
++++PrvtId
++++++CtryOfBirth
Othr
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Dbtr
+++Id
++++PrvtId
+++++Othr
1..1
Id
0..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Dbtr
+++Id
++++PrvtId
+++++Othr
++++++Id
SchmeNm
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Dbtr
+++Id
++++PrvtId
+++++Othr
++++++SchmeNm
Cd
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Dbtr
+++Id
Format
EPC references
(if available)
Name
Typ
Other
Name
Typ
Length
Pattern
WhiteSpace
Identification
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Scheme Name
Name
Typ
Length
Pattern
WhiteSpace
Code
1 .. 4
\S+.*
collapse
Contents and checks
SEPA-Clearer
page 20 of 38
pacs.008.001.02
Status
Element/Attribut
1..1
++++PrvtId
+++++Othr
++++++SchmeNm
+++++++Cd
Prtry
0..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Dbtr
+++Id
++++PrvtId
+++++Othr
++++++SchmeNm
+++++++Prtry
Issr
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Dbtr
+++Id
++++PrvtId
+++++Othr
++++++Issr
DbtrAcct
FIToFICstmrCdtTrf
+CdtTrfTxInf
++DbtrAcct
1..1
Id
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++DbtrAcct
+++Id
IBAN
Format
EPC references
(if available)
Name
Typ
Length
Pattern
WhiteSpace
Proprietary
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Issuer
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Debtor Account
SCLSCTCashAccount161
Name
Typ
Identification
SCLSCTAccountIdentification4Choice
Name
IBAN
Contents and checks
SEPA-Clearer
Mandatory
IBAN of the payer.
(AT-01 Account Number of the
Originator)
Usage Rule: Only IBAN is allowed.
I IBAN of the payer.
page 21 of 38
pacs.008.001.02
Status
Element/Attribut
FIToFICstmrCdtTrf
+CdtTrfTxInf
++DbtrAcct
+++Id
++++IBAN
1..1
DbtrAgt
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++DbtrAgt
FinInstnId
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++DbtrAgt
+++FinInstnId
BIC
FIToFICstmrCdtTrf
+CdtTrfTxInf
++DbtrAgt
+++FinInstnId
++++BIC
Format
Typ
Pattern
EPC references
(if available)
IBAN2007Identifier
[A-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,30}
Name
Typ
Debtor Agent
cation4
Name
Typ
Name
Typ
Pattern
BIC
BICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
Contents and checks
SEPA-Clearer
Check in accordance with ISO 13616.
Error code: XD19 and
Check of the first two characters that they
correspond to a valid ISO or SEPA country code.
Error code: XT73
(AT-06 BIC of the Originator Bank) BIC of the Originator Bank
BIC of the Originator Bank
Validity check of BIC using SCL-Directory. Error
code: XT27
General addressability check: BIC must be
addressable within the SEPA-Clearer or via
another CSM: Error code: PY01
Check only if credit transfer is forwarded from the
SEPA-Clearer to the EBA CLEARING. BIC must
be a registered direct or indirect participant of the
STEP2 SCT Service of the EBA CLEARING.
Error code: PY01
The debtor agent BIC is part
of the duplication check at single record level
Error code: AM05
page 22 of 38
pacs.008.001.02
Status
Element/Attribut
1..1
CdtrAgt
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++CdtrAgt
FinInstnId
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++CdtrAgt
+++FinInstnId
BIC
FIToFICstmrCdtTrf
+CdtTrfTxInf
++CdtrAgt
+++FinInstnId
++++BIC
1..1
Cdtr
Format
EPC references
(if available)
Name
Typ
Creditor Agent
cation4
Name
Typ
Name
Typ
Pattern
BIC
BICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
(AT-23 BIC of the Beneficiary
Bank) Usage Rule: Only BIC is
allowed.
Contents and checks
SEPA-Clearer
BIC of the Beneficiary Bank
BIC of the Beneficiary Bank
Validity of BIC using SCL-Directory. Error code:
XT27
Name
Creditor
Error code: PY01
Creditor
page 23 of 38
pacs.008.001.02
Status
Element/Attribut
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Cdtr
Nm
0..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Cdtr
+++Nm
PstlAdr
0..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Cdtr
+++PstlAdr
Ctry
0..2
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Cdtr
+++PstlAdr
++++Ctry
AdrLine
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Cdtr
+++PstlAdr
++++AdrLine
0..1
Id
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Cdtr
+++Id
Format
EPC references
(if available)
Contents and checks
SEPA-Clearer
Typ
Name
Typ
Length
Pattern
WhiteSpace
Name
Max70Text
1 .. 70
\S+.*
collapse
Mandatory
(AT-21 Name of the Beneficiary)
Usage Rule: "Name" is limited to
70 characters in length.
Name
Typ
Postal Address
(AT-22 Address of the Beneficiary) Address of the creditor.
"Address" line may not occur more than twice
Name
Typ
Pattern
Country
CountryCode
[A-Z]{2,2}
Name
Typ
Length
Pattern
WhiteSpace
Address Line
Max70Text
1 .. 70
\S+.*
collapse
Usage Rule: Only two occurrences Address of the creditor.
"Address" line may not occur more than twice
Name
Typ
Identification
SCLSCTParty6Choice
(AT-24 Beneficiary Identification
Code)
Name of creditor
Country of creditor according to the address
given. Must be a valid country code according to
ISO3166. Error code: XT73.
Identification of the creditor.
page 24 of 38
pacs.008.001.02
Status
Element/Attribut
1..1
OrgId
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Cdtr
+++Id
++++OrgId
BICOrBEI
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Cdtr
+++Id
++++OrgId
+++++BICOrBEI
1..1
Othr
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Cdtr
+++Id
++++OrgId
+++++Othr
1..1
Id
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Cdtr
+++Id
++++OrgId
+++++Othr
++++++Id
Format
Name
Typ
EPC references
(if available)
Usage Rule: Either ‘BIC or BEI’ or
one occurrence of ‘Other’ is
allowed.
Contents and checks
SEPA-Clearer
(Schema validation)
allowed.
Name
Typ
Pattern
BICOrBEI
AnyBICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
(Schema validation)
All ISO 20022 options are allowed.
Name
Typ
Other
Name
Typ
Length
Pattern
WhiteSpace
Identification
Max35Text
1 .. 35
\S+.*
collapse
The Organisation Id of the beneficiary.
Either BICOrBEI or Othr admissible.
The Organisation Id of the beneficiary.
page 25 of 38
pacs.008.001.02
Status
Element/Attribut
0..1
SchmeNm
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Cdtr
+++Id
++++OrgId
+++++Othr
++++++SchmeNm
Cd
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Cdtr
+++Id
++++OrgId
+++++Othr
++++++SchmeNm
+++++++Cd
Prtry
0..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Cdtr
+++Id
++++OrgId
+++++Othr
++++++SchmeNm
+++++++Prtry
Issr
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Cdtr
+++Id
++++OrgId
Format
EPC references
(if available)
Name
Typ
Scheme Name
ice
Name
Typ
Length
Pattern
WhiteSpace
Code
1 .. 4
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Proprietary
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Issuer
Max35Text
1 .. 35
\S+.*
collapse
Contents and checks
SEPA-Clearer
page 26 of 38
pacs.008.001.02
Status
Element/Attribut
1..1
+++++Othr
++++++Issr
PrvtId
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Cdtr
+++Id
++++PrvtId
DtAndPlcOfBirth
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Cdtr
+++Id
++++PrvtId
1..1
BirthDt
0..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Cdtr
+++Id
++++PrvtId
++++++BirthDt
PrvcOfBirth
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Cdtr
Format
Name
Typ
EPC references
(if available)
Contents and checks
SEPA-Clearer
Usage Rule: Either ‘Date and Place May not be specified simultaneously with Id/OrgId
of Birth’ or one occurrence of
(see above).
‘Other’ is allowed.
(Schema validation)
Name
Typ
DateAndPlaceOfBirth
(see above).
(Schema validation)
The Private Id of the creditor. Either Organisation
Id or one occurence of the Private Identification
admissible (Schema validation).
Name
Typ
Pattern
Birth Date
ISODate
[0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
Name
Typ
Length
Pattern
WhiteSpace
Province of Birth
Max35Text
1 .. 35
\S+.*
collapse
page 27 of 38
pacs.008.001.02
Status
Element/Attribut
1..1
+++Id
++++PrvtId
++++++PrvcOfBirth
CityOfBirth
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Cdtr
+++Id
++++PrvtId
++++++CityOfBirth
CtryOfBirth
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Cdtr
+++Id
++++PrvtId
++++++CtryOfBirth
Othr
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Cdtr
+++Id
++++PrvtId
+++++Othr
1..1
Id
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Cdtr
Format
EPC references
(if available)
Name
Typ
Length
Pattern
WhiteSpace
City of Birth
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Pattern
Country of Birth
CountryCode
[A-Z]{2,2}
Name
Typ
Other
Name
Typ
Length
Pattern
WhiteSpace
Identification
Max35Text
1 .. 35
\S+.*
collapse
Contents and checks
SEPA-Clearer
page 28 of 38
pacs.008.001.02
Status
Element/Attribut
0..1
+++Id
++++PrvtId
+++++Othr
++++++Id
SchmeNm
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Cdtr
+++Id
++++PrvtId
+++++Othr
++++++SchmeNm
Cd
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Cdtr
+++Id
++++PrvtId
+++++Othr
++++++SchmeNm
+++++++Cd
Prtry
0..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Cdtr
+++Id
++++PrvtId
+++++Othr
++++++SchmeNm
+++++++Prtry
Issr
Format
EPC references
(if available)
Name
Typ
Scheme Name
Name
Typ
Length
Pattern
WhiteSpace
Code
1 .. 4
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Proprietary
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Issuer
Max35Text
Contents and checks
SEPA-Clearer
page 29 of 38
pacs.008.001.02
Status
1..1
Element/Attribut
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Cdtr
+++Id
++++PrvtId
+++++Othr
++++++Issr
CdtrAcct
FIToFICstmrCdtTrf
+CdtTrfTxInf
++CdtrAcct
1..1
Id
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++CdtrAcct
+++Id
IBAN
FIToFICstmrCdtTrf
+CdtTrfTxInf
++CdtrAcct
+++Id
++++IBAN
0..1
UltmtCdtr
0..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtCdtr
Nm
FIToFICstmrCdtTrf
+CdtTrfTxInf
Format
EPC references
(if available)
Length
Pattern
WhiteSpace
1 .. 35
\S+.*
collapse
Name
Typ
Creditor Account
Name
Typ
Identification
Name
Typ
Pattern
IBAN
IBAN2007Identifier
[A-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,30}
Name
Typ
Ultimate Creditor
Name
Typ
Length
Pattern
Name
Max70Text
1 .. 70
\S+.*
Contents and checks
SEPA-Clearer
Mandatory
IBAN of the creditor.
(AT-20 Account of the Beneficiary)
Usage Rule: Only IBAN is allowed.
IBAN of the creditor.
Check in accordance with ISO 13616.
Error code XD19
Check as to whether the first two characters
match a valid ISO code or SEPA country code.
Error code XT73
Ultimate creditor
(AT-28 Name of the Beneficiary
Reference Party)
Usage Rule:
"Name" is limited to 70 characters
in length.
Name of ultimate creditor.
page 30 of 38
pacs.008.001.02
Status
Element/Attribut
++UltmtCdtr
+++Nm
0..1
Id
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtCdtr
+++Id
OrgId
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtCdtr
+++Id
++++OrgId
BICOrBEI
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtCdtr
+++Id
++++OrgId
+++++BICOrBEI
Othr
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtCdtr
+++Id
++++OrgId
+++++Othr
1..1
Id
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtCdtr
Format
EPC references
(if available)
Contents and checks
SEPA-Clearer
WhiteSpace
collapse
Name
Typ
Identification
SCLSCTParty6Choice
Beneficiary Reference Party)
Name
Typ
Usage Rule: Either "BIC or BEI" or
one occurrence of "Other" is
allowed.
Name
Typ
Pattern
BICOrBEI
AnyBICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
The Organisation Id of the ultimate creditor.
Name
Typ
Other
The Organisation Id of the ultimate creditor.
Name
Typ
Length
Pattern
WhiteSpace
Identification
Max35Text
1 .. 35
\S+.*
collapse
Either Organisation Id or one occurence of the
Private Identification admissibe
page 31 of 38
pacs.008.001.02
Status
Element/Attribut
0..1
+++Id
++++OrgId
+++++Othr
++++++Id
SchmeNm
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtCdtr
+++Id
++++OrgId
+++++Othr
++++++SchmeNm
Cd
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtCdtr
+++Id
++++OrgId
+++++Othr
++++++SchmeNm
+++++++Cd
Prtry
0..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtCdtr
+++Id
++++OrgId
+++++Othr
++++++SchmeNm
+++++++Prtry
Issr
Format
EPC references
(if available)
Name
Typ
Scheme Name
ice
Name
Typ
Length
Pattern
WhiteSpace
Code
1 .. 4
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Proprietary
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Issuer
Max35Text
Contents and checks
SEPA-Clearer
page 32 of 38
pacs.008.001.02
Status
Element/Attribut
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtCdtr
+++Id
++++OrgId
+++++Othr
++++++Issr
PrvtId
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtCdtr
+++Id
++++PrvtId
DtAndPlcOfBirth
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtCdtr
+++Id
++++PrvtId
BirthDt
0..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtCdtr
+++Id
++++PrvtId
++++++BirthDt
PrvcOfBirth
FIToFICstmrCdtTrf
+CdtTrfTxInf
Format
EPC references
(if available)
Length
Pattern
WhiteSpace
1 .. 35
\S+.*
collapse
Name
Typ
Name
Typ
DateAndPlaceOfBirth
Name
Typ
Pattern
Birth Date
ISODate
[0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
Name
Typ
Length
Pattern
Province of Birth
Max35Text
1 .. 35
\S+.*
Contents and checks
SEPA-Clearer
Place of Birth" or one occurrence of
"Other" is allowed.
The Private Id of the ultimate creditor. Either
Organisation Id or oneoccurence of the Private
Identification admissible
page 33 of 38
pacs.008.001.02
Status
Element/Attribut
1..1
++UltmtCdtr
+++Id
++++PrvtId
++++++PrvcOfBirth
CityOfBirth
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtCdtr
+++Id
++++PrvtId
++++++CityOfBirth
CtryOfBirth
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtCdtr
+++Id
++++PrvtId
++++++CtryOfBirth
Othr
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtCdtr
+++Id
++++PrvtId
+++++Othr
1..1
Id
FIToFICstmrCdtTrf
+CdtTrfTxInf
Format
EPC references
(if available)
WhiteSpace
collapse
Name
Typ
Length
Pattern
WhiteSpace
City of Birth
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Pattern
Country of Birth
CountryCode
[A-Z]{2,2}
Name
Typ
Other
Name
Typ
Length
Pattern
Identification
Max35Text
1 .. 35
\S+.*
Contents and checks
SEPA-Clearer
page 34 of 38
pacs.008.001.02
Status
Element/Attribut
0..1
++UltmtCdtr
+++Id
++++PrvtId
+++++Othr
++++++Id
SchmeNm
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtCdtr
+++Id
++++PrvtId
+++++Othr
++++++SchmeNm
Cd
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtCdtr
+++Id
++++PrvtId
+++++Othr
++++++SchmeNm
+++++++Cd
Prtry
0..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtCdtr
+++Id
++++PrvtId
+++++Othr
++++++SchmeNm
+++++++Prtry
Issr
Format
EPC references
(if available)
WhiteSpace
collapse
Name
Typ
Scheme Name
Name
Typ
Length
Pattern
WhiteSpace
Code
1 .. 4
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Proprietary
Max35Text
1 .. 35
\S+.*
collapse
Name
Issuer
Contents and checks
SEPA-Clearer
page 35 of 38
pacs.008.001.02
Status
Element/Attribut
0..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++UltmtCdtr
+++Id
++++PrvtId
+++++Othr
++++++Issr
Purp
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Purp
Cd
FIToFICstmrCdtTrf
+CdtTrfTxInf
++Purp
+++Cd
0..1
RmtInf
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++RmtInf
Ustrd
FIToFICstmrCdtTrf
+CdtTrfTxInf
++RmtInf
+++Ustrd
Format
EPC references
(if available)
Typ
Length
Pattern
WhiteSpace
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Purpose
Purpose2Choice
Name
Typ
Length
Pattern
WhiteSpace
Code
ExternalPurpose1Code
1 .. 4
\S+.*
collapse
Name
Typ
Remittance Information
SCLSCTRemittanceInformation5
(AT-05 Remittance Information)
Usage Rule: Either 'Structured' or
'Unstructured', may be present.
Name
Typ
Length
Pattern
WhiteSpace
Unstructured
Max140Text
1 .. 140
\S+.*
collapse
Usage Rule: 'Unstructured' may
carry structured remittance
information, as agreed between the
Originator and the Beneficiary.
Usage Rule: Only one occurrence
of 'Unstructured' is allowed.
(AT-44 Purpose of the Credit
Transfer)
Contents and checks
SEPA-Clearer
No plausibility check if <Purp> and<CtgyPurp>
fields both contain entries, ie SCL ignores
conflicting entries.
Purpose of transaction. Field may be completed
in accordance with the external code list (ISO
20022). There is no validation by the SCL.
A maximum of four characters may be entered.
whereas for deliveries from the SLC an entry may
be made in the field.
Structured or unstructured remittance
information. (Schema
validation)
Unstructured remittance information.
Either structured or unstructured remittance
information can be used.
Field may not occur more than once
page 36 of 38
pacs.008.001.02
Status
1..1
Element/Attribut
Strd
FIToFICstmrCdtTrf
+CdtTrfTxInf
++RmtInf
+++Strd
Format
Name
Typ
EPC references
(if available)
Structured
SCLSCTStructuredRemittanceInformation7
Format Rule: ‘Structured’ can be
used, provided the tags and the
data within the ‘Structured’
element do not exceed 140
Usage Rule:
Only one occurrence of ‘Structured’
is allowed
Contents and checks
SEPA-Clearer
Structured remittance information.
Either structured or unstructured remittance
information can be used. (Schema validation).
Field may not occur more than once and the data
within the ‘Structured’ element may not be more
than 140 characters in length. Only information
within the <Strd> element is counted. The
elements including the contents within the tag
<Strd> are also counted.
Error code: XT33
All ISO 20022 field options are
allowed.
0..1
CdtrRefInf
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++RmtInf
+++Strd
++++CdtrRefInf
Tp
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++RmtInf
+++Strd
++++CdtrRefInf
+++++Tp
CdOrPrtry
FIToFICstmrCdtTrf
Name
Typ
Creditor Reference Information
SCLSCTCreditorReferenceInformation2
Name
Typ
Type
SCLSCTCreditorReferenceType2
Name
Typ
Code or Proprietary
SCLSCTCreditorReferenceType1Choice
Usage Rule: When present, the
Debtor Bank is not obliged to
validate the reference information.
Usage Rule: When used both
"Type" and "Reference" must be
present.
page 37 of 38
pacs.008.001.02
Status
1..1
Element/Attribut
+CdtTrfTxInf
++RmtInf
+++Strd
++++CdtrRefInf
+++++Tp
++++++CdOrPrtry
Cd
FIToFICstmrCdtTrf
+CdtTrfTxInf
++RmtInf
+++Strd
++++CdtrRefInf
+++++Tp
++++++CdOrPrtry
+++++++Cd
0..1
Issr
1..1
FIToFICstmrCdtTrf
+CdtTrfTxInf
++RmtInf
+++Strd
++++CdtrRefInf
+++++Tp
++++++Issr
Ref
FIToFICstmrCdtTrf
+CdtTrfTxInf
++RmtInf
+++Strd
++++CdtrRefInf
+++++Ref
Format
Name
Typ
EPC references
(if available)
Code
SCLSCTDocumentType3Code
Contents and checks
SEPA-Clearer
Usage Rule: Only "SCOR" is
allowed.
Creditor reference. If <CdtrRefInf> is used, it is
necessary to complete “Tp” and “Ref”. Only
code „SCOR“ may be entered
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.
Usage Rule: RF Creditor Reference
may be used (ISO 11649).
The creditor reference. If CdtrRefInf is used,“Tp”
and “Ref” must be completed. It is possibe to
specify a structured creditor reference.
This reference is to be structured in accordance
with ISO 11649
(RFnnaaaaaaaaaaaaaaaaaaaaa); maximum
length of 25 characters. There is no validation by
the SCL.
Acceptable Codes
SCOR
Name
Issuer
Typ
Max35Text
Length
1 .. 35
Pattern
\S+.*
WhiteSpace collapse
Name
Typ
Length
Pattern
WhiteSpace
Reference
Max35Text
1 .. 35
\S+.*
collapse
page 38 of 38
SCT Interbank Credit Transfer Reject Dataset (DS-03) – pacs.002.001.03SCLSCT
Memo
SEPA Credit Transfer – Interbank Credit Transfer Reject Dataset (DS-03)
SCT annex 6 of appendix “SCT/SCL technical specifications“ pacs.002.001.03SCLSCT
page 1 of 2
SCT Interbank Credit Transfer Reject Dataset (DS-03) – pacs.002.001.03SCLSCT
Use of the interbank credit transfer reject dataset (pacs.002.001.03SCLSCT)
This message is a rejection message from the SEPA-Clearer in the event of an error to notify the SCL participant about rejected
credit transfers or return (“R”) messages (at the validation stage). Submitted bulks which are not covered are rejected with the error
code AM04 (insufficient funds).
The message caters for bulk and single reject instructions.
Main difference between pacs.002SCL and ‘Implementation Guideline’–compliant pacs.002 – message:
1. Along with the relevant ISO and SEPA error codes, in the status reason/proprietary field, error codes specific to the SEPAClearer (SCL) (see separate list of error codes) are also used by the SCL.
2. The group header does not contain an instructing agent or instructed agent.
3. Within the original transaction reference, no exact copy is returned; only the following information is given.

<IntrBkSttlmAmt> the amount of the original transaction

<IntrBkSttlmDt> the original interbank settlement date

<CdtrAgt><FinInstnId><BIC> the original creditor agent
4. The ‘number of transactions per status’ for the payments rejected by the SEPA-Clearer is provided in the ‘original group
information and status’ sequence (only negative acknowledgement).
Group header
SCT annex 6 of appendix “SCT/SCL technical specifications“ pacs.002.001.03SCLSCT
page 2 of 2
pacs.002.001.03SCLSCT
Message structure
Status
Element/Attribut
Format
EPC references
(if available)
Contents and checks
SEPA-Clearer
Document
Typ
Document
1..1
Document
FIToFIPmtStsRptSCL
Typ
FIToFIPaymentStatusReportV03
1..1
Document
+FIToFIPmtStsRptSCL
GrpHdr
Group Header
SCLSCTGroupHeader37
applies to all payment.s
1..1
Document
+FIToFIPmtStsRptSCL
++GrpHdr
MsgId
Name
Typ
SCLSCTId7
([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35}
SEPA-Clearer file reference.
1..1
Document
+FIToFIPmtStsRptSCL
++GrpHdr
+++MsgId
CreDtTm
Name
Typ
Pattern
Creation Date Time
ISODateTime
Bulk creation date and time in the SEPA-Clearer.
1..1
Document
+FIToFIPmtStsRptSCL
++GrpHdr
+++CreDtTm
OrgnlGrpInfAndSts
Name
Typ
Original Group Information And Status
OriginalGroupInformation20
Contains general information from the original
group header which is relevant for all payments.
1..1
Document
+FIToFIPmtStsRptSCL
++OrgnlGrpInfAndSts
OrgnlMsgId
Name
Typ
Name
Typ
Length
Original Message Identification
Max35Text
1 .. 35
The <MsgId>/<Id> of original bulk.
Document
+FIToFIPmtStsRptSCL
++OrgnlGrpInfAndSts
+++OrgnlMsgId
pacs.002.001.03SCLSCT; SCL SCT
page 1 of 10
Status
1..1
Element/Attribut
OrgnlMsgNmId
Document
+FIToFIPmtStsRptSCL
++OrgnlGrpInfAndSts
+++OrgnlMsgNmId
1..1
OrgnlNbOfTxs
1..1
Document
+FIToFIPmtStsRptSCL
++OrgnlGrpInfAndSts
+++OrgnlNbOfTxs
OrgnlCtrlSum
1..1
Document
+FIToFIPmtStsRptSCL
++OrgnlGrpInfAndSts
+++OrgnlCtrlSum
GrpSts
Document
+FIToFIPmtStsRptSCL
++OrgnlGrpInfAndSts
+++GrpSts
1..1
StsRsnInf
Format
Name
Typ
Length
Original Message Name Identification
Max35Text_Codes
1 .. 35
Acceptable Codes
camt.029
camt.056
pacs.004
pacs.008
Name
Original Number of Transactions
Typ
Max15NumericText
Pattern
[0-9]{1,15}
Name
Typ
FractionDigits
TotalDigits
Inclusive
Pattern
Name
Typ
Original Control Sum
SCLSCTCurrencyAndAmount_SimpleType
2
18
0
..
[0-9]{0,15}([\.]([0-9]{0,2})){0,1}
Group Status
SCLSCTTransactionGroupStatus3Code
EPC references
(if available)
Contents and checks
SEPA-Clearer
Message type of the rejected original bulk.
Total number of received individual payments
from the original bulk.
Total amount from the original bulk in euro.
RJCT: displayed by SEPA-Clearer if the bulk is
completely rejected. (Also applies for rejection
due to insufficient funds)
PART: displayed by SEPA-Clearer if the bulk is
partially rejected.
Acceptable Codes
PART
RJCT
Name
Status Reason Information
Typ
SCLSCTStatusReasonInformation8
page 2 of 10
Status
1..1
Element/Attribut
Document
+FIToFIPmtStsRptSCL
++OrgnlGrpInfAndSts
+++StsRsnInf
Orgtr
Document
+FIToFIPmtStsRptSCL
++OrgnlGrpInfAndSts
+++StsRsnInf
++++Orgtr
1..1
Id
1..1
Document
+FIToFIPmtStsRptSCL
++OrgnlGrpInfAndSts
+++StsRsnInf
++++Orgtr
+++++Id
OrgId
1..1
Document
+FIToFIPmtStsRptSCL
++OrgnlGrpInfAndSts
+++StsRsnInf
++++Orgtr
+++++Id
++++++OrgId
BICOrBEI
Document
+FIToFIPmtStsRptSCL
++OrgnlGrpInfAndSts
+++StsRsnInf
++++Orgtr
Format
Name
Typ
Originator
SCLSCTId5
Name
Typ
Identification
SCLSCTParty3Choice
Name
Typ
Name
Typ
Pattern
BICOrBEI
AnyBICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
EPC references
(if available)
Contents and checks
SEPA-Clearer
Originator of the reject.
The BIC of the SEPA-Clearer (production:
MARKDEFF, test: MARKDEF0) initiating the
reject.
page 3 of 10
Status
Element/Attribut
1..1
+++++Id
++++++OrgId
+++++++BICOrBEI
Rsn
1..1
Document
+FIToFIPmtStsRptSCL
++OrgnlGrpInfAndSts
+++StsRsnInf
++++Rsn
Cd
Document
+FIToFIPmtStsRptSCL
++OrgnlGrpInfAndSts
+++StsRsnInf
++++Rsn
+++++Cd
1..1
Prtry
0..1
Document
+FIToFIPmtStsRptSCL
++OrgnlGrpInfAndSts
+++StsRsnInf
++++Rsn
+++++Prtry
NbOfTxsPerSts
1..1
Document
+FIToFIPmtStsRptSCL
++OrgnlGrpInfAndSts
+++NbOfTxsPerSts
DtldNbOfTxs
Format
Name
Typ
Reason
StatusReason6Choice
Name
Typ
Code
SCLSCTExternalStatusReason1Code
Acceptable Codes
ED05
Name
Proprietary
Typ
Max35Text
Length
1 .. 35
EPC references
(if available)
Contents and checks
SEPA-Clearer
Not completed by SCL.
Error code of the SEPA-Clearer if
the entire bulk is rejected.
Either B01 (if <GrpSts> is
"PART" = partial rejection) or
AC01, AM04, B02 - B15 or B98 - B99 for bulk
rejections for other reason
Name
Typ
Number of Transactions Per Status
NumberOfTransactionsPerStatus3
Information on transactions rejected by the
SEPA-Clearer.(Only completed in the case of a
partial rejection)
Name
Detailed Number Of Transactions
Number of transactions that were
page 4 of 10
Status
1..1
Element/Attribut
Document
+FIToFIPmtStsRptSCL
++OrgnlGrpInfAndSts
+++NbOfTxsPerSts
++++DtldNbOfTxs
DtldSts
Document
+FIToFIPmtStsRptSCL
++OrgnlGrpInfAndSts
+++NbOfTxsPerSts
++++DtldSts
1..1
DtldCtrlSum
0..n
Document
+FIToFIPmtStsRptSCL
++OrgnlGrpInfAndSts
+++NbOfTxsPerSts
++++DtldCtrlSum
TxInfAndSts
1..1
Document
+FIToFIPmtStsRptSCL
++TxInfAndSts
StsId
0..1
Document
+FIToFIPmtStsRptSCL
++TxInfAndSts
+++StsId
OrgnlInstrId
Document
Format
EPC references
(if available)
Contents and checks
SEPA-Clearer
Typ
Pattern
Max15NumericText
[0-9]{1,15}
rejected. Only given when the Group Status
contains the code “PART”.
Name
Typ
Detailed Status
SCLSCTTransactionIndividualStatus1Code
Status of transactions. Only given when the
Group Status contains the code “PART”. Here
only the code RJCT is possible.
Acceptable Codes
RJCT
Name
Detailed Control Sum
Typ
SCLSCTCurrencyAndAmount_SimpleType
FractionDigits 2
TotalDigits
18
Inclusive
0
..
Pattern
[0-9]{0,15}([\.]([0-9]{0,2})){0,1}
Total amount of the rejected transactions. Only
given when the <GrpSts> contains the code
“PART”
Name
Typ
Transaction Information And Status
PaymentTransactionInformation26
Only completed in the case of a partial rejection.
Name
Typ
Pattern
Status Identification
SCLSCTId7
([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35}
Reference number of the transaction, issued by
the SEPA-Clearer.
Name
Typ
Pattern
Original Instruction Identification
SCLSCTId7
([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35}
The “Original Instruction Id” of the underlying
transaction. Is only given here if it already
existed in the original transaction.
page 5 of 10
Status
Element/Attribut
1..1
+FIToFIPmtStsRptSCL
++TxInfAndSts
+++OrgnlInstrId
OrgnlEndToEndId
1..1
Document
+FIToFIPmtStsRptSCL
++TxInfAndSts
+++OrgnlEndToEndId
OrgnlTxId
1..1
Document
+FIToFIPmtStsRptSCL
++TxInfAndSts
+++OrgnlTxId
TxSts
Document
+FIToFIPmtStsRptSCL
++TxInfAndSts
+++TxSts
1..1
StsRsnInf
1..1
Document
+FIToFIPmtStsRptSCL
++TxInfAndSts
+++StsRsnInf
Orgtr
Document
+FIToFIPmtStsRptSCL
++TxInfAndSts
+++StsRsnInf
++++Orgtr
Format
EPC references
(if available)
Contents and checks
SEPA-Clearer
Name
Typ
Length
Original End To End Identification
Max35Text
1 .. 35
The reference of originator (End to End Id) of the
original transaction.
Name
Typ
Pattern
Original Transaction Identification
SCLSCTId7
([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35}
Reference of the originating payment service
provider (transaction Id) of the original transfer
(for pacs.008 = <TxId>, for pacs.004 = <RtrId>,
for camt.056 = <CxIId>, for camt.029 =
<CxIStsId>)
Name
Typ
Transaction Status
TransactionIndividualStatus3Code
Status of the individual transaction. Only the
code “RJCT” is allowed.
Acceptable Codes
RJCT
Name
Status Reason Information
Typ
SCLSCTStatusReasonInformation9
Name
Typ
Originator
SCLSCTId5
Originator oft he reject
page 6 of 10
Status
Element/Attribut
1..1
Id
1..1
Document
+FIToFIPmtStsRptSCL
++TxInfAndSts
+++StsRsnInf
++++Orgtr
+++++Id
OrgId
1..1
Document
+FIToFIPmtStsRptSCL
++TxInfAndSts
+++StsRsnInf
++++Orgtr
+++++Id
++++++OrgId
BICOrBEI
1..1
Document
+FIToFIPmtStsRptSCL
++TxInfAndSts
+++StsRsnInf
++++Orgtr
+++++Id
++++++OrgId
+++++++BICOrBEI
Rsn
1..1
Document
+FIToFIPmtStsRptSCL
++TxInfAndSts
+++StsRsnInf
++++Rsn
Cd
Format
Name
Typ
Identification
SCLSCTParty3Choice
Name
Typ
Name
Typ
Pattern
BICOrBEI
AnyBICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
Name
Typ
Reason
StatusReason7Choice
Name
Typ
Code
SCLSCTExternalStatusReason2Code
EPC references
(if available)
Contents and checks
SEPA-Clearer
The BIC of the SEPA-Clearer (production:
MARKDEFF, test: MARKDEF0) initiating the
reject.
Not completed by the SCL.
page 7 of 10
Status
Element/Attribut
Format
EPC references
(if available)
Contents and checks
SEPA-Clearer
Document
+FIToFIPmtStsRptSCL
++TxInfAndSts
+++StsRsnInf
++++Rsn
+++++Cd
1..1
Prtry
0..1
Document
+FIToFIPmtStsRptSCL
++TxInfAndSts
+++StsRsnInf
++++Rsn
+++++Prtry
OrgnlTxRef
Document
+FIToFIPmtStsRptSCL
++TxInfAndSts
+++OrgnlTxRef
1..1
IntrBkSttlmAmt
Document
+FIToFIPmtStsRptSCL
++TxInfAndSts
+++OrgnlTxRef
Acceptable Codes
AM01
AM02
AM05
DT01
ED05
Name
Proprietary
Typ
Max35Text
Length
1 .. 35
Name
Typ
Original Transaction Reference
OriginalTransactionReference13
Name
Typ
FractionDigits
TotalDigits
Inclusive
Pattern
SCLSCTCurrencyAndAmount
2
18
0
..
[0-9]{0,15}([\.]([0-9]{0,2})){0,1}
Error code of the SEPA-Clearer if the individual
transaction is rejected. ISO 20022 defined codes
and
proprietary codes possible.
Field is formatted as follows in the event of
certain errors: [Code]
[space][erroneous XML tag]
Parts of the original message (if available):
<IntrBkSttlmAmt>: the amount of the original
message
<IntrBkSttlmDt>: settlement date of the
original message.
<DbtrAgt>/<FinInstnId>/<BIC>: BIC of the
originator bank of the original
message.
Amount of the original message (dependent on
payment type: either pacs.004 or pacs.008). In
pacs.008 = interbank settlement amount in
pacs.004 = returned interbank settlement
amount.
page 8 of 10
Status
Element/Attribut
required
++++IntrBkSttlmAmt
Attribute: Ccy
1..1
IntrBkSttlmDt
1..1
Document
+FIToFIPmtStsRptSCL
++TxInfAndSts
+++OrgnlTxRef
++++IntrBkSttlmDt
DbtrAgt
1..1
Document
+FIToFIPmtStsRptSCL
++TxInfAndSts
+++OrgnlTxRef
++++DbtrAgt
FinInstnId
1..1
Document
+FIToFIPmtStsRptSCL
++TxInfAndSts
+++OrgnlTxRef
++++DbtrAgt
+++++FinInstnId
BIC
Document
+FIToFIPmtStsRptSCL
++TxInfAndSts
+++OrgnlTxRef
++++DbtrAgt
+++++FinInstnId
++++++BIC
Format
EPC references
(if available)
Contents and checks
SEPA-Clearer
.
Typ
SCLSCTCurrencyCode
Use
required
Acceptable Codes
EUR
Name
Typ
ISODate
The interbank settlement date of the original
message.
Name
Typ
Debtor Agent
cation4
BIC of the originating payment service provider
according to original message.
Name
Typ
Name
Typ
Pattern
BIC
BICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
page 9 of 10
Status
Element/Attribut
1..1
CdtrAgt
1..1
Document
+FIToFIPmtStsRptSCL
++TxInfAndSts
+++OrgnlTxRef
++++CdtrAgt
FinInstnId
1..1
Document
+FIToFIPmtStsRptSCL
++TxInfAndSts
+++OrgnlTxRef
++++CdtrAgt
+++++FinInstnId
BIC
Document
+FIToFIPmtStsRptSCL
++TxInfAndSts
+++OrgnlTxRef
++++CdtrAgt
+++++FinInstnId
++++++BIC
Format
Name
Typ
Creditor Agent
cation4
Name
Typ
Name
Typ
Pattern
BIC
BICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
EPC references
(if available)
Contents and checks
SEPA-Clearer
BIC of the creditor agent according to the original
message
page 10 of 10
SCT Interbank Return Credit Transfer Dataset (DS-03) – pacs.004.001.02SCT
Memo
SEPA Credit Transfer – Interbank Return Credit Transfer Dataset (DS-03)
SCT annex 7 of appendix “SCT/SCL technical specifications “ pacs.004.001.02
page 1 of 2
SCT Interbank Return Credit Transfer Dataset (DS-03) – pacs.004.001.02SCT
Use of the interbank payment returns (pacs.004.001.02)
The message is used to transport a credit transfer return instruction between credit institutions, directly or through intermediaries.
The message caters only for single return instructions.
Notes

Attribute R1 is implied by the message name 'pacs.004' and the original message name identification 'pacs.008'.

Message elements under the original transaction reference sequence are based on DS-02 attributes.
An interbank payment return message contains:

a single group header

one or more credit transfer transaction information sequences, each of which contains a credit transfer return instruction as
defined in DS-03.
Group header
SCT annex 7 of appendix “SCT/SCL technical specifications “ pacs.004.001.02
page 1 of 2
pacs.004.001.02SCT
Message structure
Status
Element/Attribut
Format
EPC references
(if available)
Contents and checks
SEPA-Clearer
Document
Typ
Document
1..1
Document
PmtRtr
Typ
PaymentReturnV02
1..1
Document
+PmtRtr
GrpHdr
Group Header
SCLSCTGroupHeader38
applies to the whole payment.
1..1
Document
+PmtRtr
++GrpHdr
MsgId
Name
Typ
Name
Typ
Pattern
SCLSCTId7
([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35}
Reference No of the bulk.
(unique daily reference).
Error code: B14
Document
+PmtRtr
++GrpHdr
+++MsgId
1..1
CreDtTm
1..1
Document
+PmtRtr
++GrpHdr
+++CreDtTm
NbOfTxs
Document
+PmtRtr
++GrpHdr
The first 8 or 11 characters of <Msgld> must
match the BIC of the Instructing Agent in ICF.
The rest of the field can be freely defined.
Name
Typ
Pattern
Creation Date Time
ISODateTime
[0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}[T][0-9]{2,2}:
[0-9]{2,2}:[0-9]{2,2}[\S]*
Bulk creation date and time.
Name
Typ
Pattern
Number Of Transactions
Max15NumericText
[0-9]{1,15}
of data records in the bulk).
Error code: B02
pacs.004.001.02SCT; SCL SCT
page 1 of 51
pacs.004.001.02SCT
Status
Element/Attribut
Format
EPC references
(if available)
+++NbOfTxs
1..1
TtlRtrdIntrBkSttlmAmt
Document
+PmtRtr
++GrpHdr
+++TtlRtrdIntrBkSttlmAmt
Name
Typ
FractionDigits
TotalDigits
Inclusive
Pattern
Total Returned Interbank Settlement Amount
2
18
0.01
.. 999999999999999.
99
[0-9]{0,15}([\.]([0-9]{0,2})){0,1}
Mandatory
or more and 999999999999999.99
or less.
Contents and checks
SEPA-Clearer
Total number of data records must be equal to
the actual number of individual data records in
the bulk.
Error code: B03
Integer value up to 15 characters allowed.
Maximum number of decimal places allowed
remains two.
(Schema validation)
Currency designation is always ‘EUR’. (Schema
validation)
The total amount given must equal the sum of
the single transactions in the bulk.
Error code: B05
Amount must be at least 0.01 but no more than
999999999999999.99.
(Schema validation)
required
Attribute:
Ccy
Typ
SCLSCTCurrencyCode
Use
required
Acceptable Codes
EUR
page 2 of 51
pacs.004.001.02SCT
Status
1..1
Element/Attribut
IntrBkSttlmDt
Document
+PmtRtr
++GrpHdr
+++IntrBkSttlmDt
Format
Name
Typ
Pattern
ISODate
[0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
EPC references
(if available)
Mandatory (AT-R4 Settlement Date
for the Return) or (AT-R8
Settlement Date for the positive
answer to a Recall)
Contents and checks
SEPA-Clearer
For submissions in the submission windows with
the cut-off 8.00, 10.00, 13.00 and 15.00 the
current operating day of the SEPA-Clearer must
be given.
For submissions in the submission window with
the cut-off 20.00, the next operating day of the
Error code: B15
<IntrBkSttlmDt> is part of the duplication check
at file level (unique daily reference) and single
record level.
1..1
SttlmInf
1..1
Document
+PmtRtr
++GrpHdr
+++SttlmInf
SttlmMtd
Document
+PmtRtr
++GrpHdr
+++SttlmInf
++++SttlmMtd
1..1
ClrSys
Name
Typ
Name
Typ
SettlementMethod
Usage Rule: Only CLRG, INGA and Information on the settlement mechanism.
IND are allowed.
Only the code ‘CLRG’ is allowed. (Schema
validation)
Acceptable Codes
CLRG
Name
Clearing System
page 3 of 51
pacs.004.001.02SCT
Status
1..1
Element/Attribut
Document
+PmtRtr
++GrpHdr
+++SttlmInf
++++ClrSys
Prtry
Document
+PmtRtr
++GrpHdr
+++SttlmInf
++++ClrSys
+++++Prtry
0..1
InstgAgt
1..1
Document
+PmtRtr
++GrpHdr
+++InstgAgt
FinInstnId
1..1
Document
+PmtRtr
++GrpHdr
+++InstgAgt
++++FinInstnId
BIC
Document
+PmtRtr
++GrpHdr
+++InstgAgt
++++FinInstnId
Format
Typ
e
Name
Typ
Pattern
Proprietary
SCLSCTId7_2
([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35}
EPC references
(if available)
Contents and checks
SEPA-Clearer
Code for the clearing system. For the
SEPA-Clearer, only the value ‘SCL’ is
admissible.
Acceptable Codes
SCL
Name
Instructing Agent
Typ
cation4
Name
Typ
Name
Typ
Pattern
BIC
BICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
Only to be used for submissions to the
SEPA-Clearer. Part of duplication check
(unique daily reference)
page 4 of 51
pacs.004.001.02SCT
Status
Element/Attribut
Format
EPC references
(if available)
Contents and checks
SEPA-Clearer
BIC must be contained in the Input Credit File
(ICF) and be eligible for submitting payments of
this type.
+++++BIC
Error code: B10
0..1
InstdAgt
1..1
Document
+PmtRtr
++GrpHdr
+++InstdAgt
FinInstnId
1..1
Document
+PmtRtr
++GrpHdr
+++InstdAgt
++++FinInstnId
BIC
Document
+PmtRtr
++GrpHdr
+++InstdAgt
++++FinInstnId
+++++BIC
Name
Typ
Instructed Agent
cation4
Name
Typ
Name
Typ
Pattern
BIC
BICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
BIC code may only be contained in the Settled
Credit File (SCF).
Only to be used for deliveries from the
SEPA-Clearer.
Error code: B11
page 5 of 51
pacs.004.001.02SCT
Status
Element/Attribut
1..n
TxInf
1..1
Document
+PmtRtr
++TxInf
RtrId
1..1
Document
+PmtRtr
++TxInf
+++RtrId
OrgnlGrpInf
1..1
Document
+PmtRtr
++TxInf
+++OrgnlGrpInf
OrgnlMsgId
1..1
Document
+PmtRtr
++TxInf
+++OrgnlGrpInf
++++OrgnlMsgId
OrgnlMsgNmId
Document
+PmtRtr
++TxInf
+++OrgnlGrpInf
Format
EPC references
(if available)
Contents and checks
SEPA-Clearer
Name
Typ
Transaction Information
SCLSCTPaymentTransactionInformation27
Mandatory
Name
Typ
Pattern
Return Identification
SCLSCTId7
([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35}
Mandatory (AT-R5 Specific
Reference number of the transaction given by
Reference of the Bank Initiating the the bank initiating the return. Return Id is part of
Return)
the duplication check at the single record level.
Error code: AM05
Name
Typ
Original Group Information
SCLSCTOriginalGroupInformation3
Usage Rule: Element ‘Original
Data which refer to the original bulk.
Group Information’ must be present
in either 2.2.3 ‘Original Group
Information’ or in 2.2.4 ‘Transaction
Information’.
Name
Typ
Pattern
SCLSCTId7
([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35}
Name of the original bulk.
Usage rule: "pacs.008" or "PACS.008" to be
entered, in each case with additional characters
where applicable. Schema validation.
Name
Typ
Pattern
Original Message Name
SCLSCTOrgnlMsgNmId
pacs\.008[A-Za-z0-9\.]{0,27}
PACS\.008[A-Za-z0-9\.]{0,27}
The ‘Original Instruction Id’ of the underlying
bulk. Only given here if already specified in the
original credit transfer.
page 6 of 51
pacs.004.001.02SCT
Status
Element/Attribut
0..1
++++OrgnlMsgNmId
OrgnlInstrId
1..1
Document
+PmtRtr
++TxInf
+++OrgnlInstrId
OrgnlEndToEndId
1..1
Document
+PmtRtr
++TxInf
+++OrgnlEndToEndId
OrgnlTxId
Document
+PmtRtr
++TxInf
+++OrgnlTxId
1..1
OrgnlIntrBkSttlmAmt
Document
+PmtRtr
++TxInf
+++OrgnlIntrBkSttlmAmt
Format
EPC references
(if available)
Contents and checks
SEPA-Clearer
Name
Typ
Pattern
SCLSCTId7
([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35}
Usage Rule: Mandatory if provided
in the original instruction.
The ‘Original Instruction Id’ of the underlying
bulk. Only given here if already specified in the
Name
Typ
Length
Pattern
WhiteSpace
Max35Text
1 .. 35
\S+.*
collapse
Mandatory
The reference of the payer (end-to-end Id) of the
(AT-41 Originator's reference of the original credit transfer.
credit transfer transaction)
Name
Typ
Pattern
SCLSCTId7
([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35}
Name
Typ
FractionDigits
TotalDigits
Inclusive
Pattern
Original Interbank Settlement Amount
2
18
0.01
.. 999999999.99
[0-9]{0,15}([\.]([0-9]{0,2})){0,1}
Mandatory
(AT-43 Originator Bank's reference
of the credit transfer transaction)
Usage Rule: Must contain a
reference that is meaningful to the
Originator's Bank and is unique
over time.
Mandatory
(AT-04 Amount of the credit
transfer in euro)
Reference of the originating payment service
provider. Transaction Id (TxId) of the original
pacs.008 message.
Original amount of the original credit transfer.
Only ‘EUR’ is permitted as the currency
designation. (Schema validation)
A maximum of two decimal places is permitted in
accordance with the convention for the euro.
(Schema validation)
999999999. (Schema validation)
required
Attribute:
Ccy
Typ
SCLSCTCurrencyCode
page 7 of 51
pacs.004.001.02SCT
Status
1..1
Element/Attribut
RtrdIntrBkSttlmAmt
Document
+PmtRtr
++TxInf
+++RtrdIntrBkSttlmAmt
required
Attribute:
0..1
RtrdInstdAmt
Ccy
Format
Use
required
Acceptable Codes
EUR
Name
Returned Interbank Settlement Amount
Typ
FractionDigits 2
TotalDigits
18
Inclusive
0.01
.. 999999999.99
Pattern
[0-9]{0,15}([\.]([0-9]{0,2})){0,1}
Typ
SCLSCTCurrencyCode
Use
required
Acceptable Codes
EUR
Name
Returned Instructed Amount
EPC references
(if available)
Contents and checks
SEPA-Clearer
(AT-04 Amount of the credit
transfer in euro) or (AT-46 Amount
of a positive answer to the Recall in
euro)
Usage Rule: If the return message
is a positive answer to a Recall (ie,
if ‘Code’ under ‘Return Reason
Information’ specifies ‘FOCR’), the
amount must be equal to the
‘Original Interbank Settlement
Amount’ less the ‘Amount’ under
‘Charges Information’.
Usage Rule: If the return message
is not a positive answer to a Recall
(ie, if ‘Code’ under ‘Return Reason
Information’ is different from
‘FOCR’), the Amount must be the
same as in ‘Original Interbank
Settlement Amount’.
Usage Rule: Only ‘EUR’ is allowed.
Return amount of the credit transfer.
Usage Rule: Only allowed in the
If use is made of the "Charges
Information" element block, the element
"Returned Instructed Amount" must be
completed too due to an ISO stipulation. In any
other cases the element block Is optional.
Error code: XT13
Where the return constitutes a positive response
to a recall
("FOCR"), the following applies:
<OrgnlIntrBkSttlmAmt> ./.
<ChrgsInf/Amt> =
<RtrdIntrBkSttlmAmt> .
Error code: AM02
Where the return does not constitute a positive
response to a recall, the following applies:
<OrgnlIntrBkSttlmAmt> =
<RtrdIntrBkSttlmAmt> .
Error code: AM02
The curency designation
"EUR" is permissible. (Schema validation)
(Schema validation)
999999999. 99 (Schema validation)
page 8 of 51
pacs.004.001.02SCT
Status
Element/Attribut
Document
+PmtRtr
++TxInf
+++RtrdInstdAmt
required
Attribute:
0..1
ChrgBr
Ccy
Document
+PmtRtr
++TxInf
+++ChrgBr
0..1
ChrgsInf
Document
+PmtRtr
++TxInf
+++ChrgsInf
Format
Typ
FractionDigits
TotalDigits
Inclusive
Pattern
2
18
0
..
[0-9]{0,15}([\.]([0-9]{0,2})){0,1}
Typ
SCLSCTCurrencyCode
Use
required
Acceptable Codes
EUR
Name
Charge Bearer
Typ
SCLSCTChargeBearerType1Code
Acceptable Codes
SLEV
Name
Charges Information
Typ
SCLSCTChargesInformation5
EPC references
(if available)
Contents and checks
SEPA-Clearer
case of a return in response to a
cancellation request, ie, ‘Reason’ in
‘Return Reason Information’
specifies ‘FOCR’.
Usage Rule: Only ‘EUR’ is allowed.
In the event that an entry already exists although
"Charges Information" is not available ("Rsn" not
equivalent to "FOCR"):
Error code: XT13
Usage Rule: Only 'SLEV' is
allowed.
Only the entry "SLEV" is allowed
Usage Rule: Only allowed in case
of a return in response to a
cancellation request, ie, "Reason"
in "Return Reason Information"
specifies "FOCR". Usage Rule:
Only one occurence is allowed.
The element block "Charges
Information" may only be used in the event of a
positive response to a Payment Cancellation
Request ("Rsn" contains the entry "FOCR") An
ISO stipulation requires that in such cases the
element "Returned Instructed Amount" has to be
completed as well.
Error code: XT13
May be completed with 0.00 but purpose-related
with the value of the "Original Interbank
Settlement
Amount"; there is no validation by the SCL.
page 9 of 51
pacs.004.001.02SCT
Status
1..1
Element/Attribut
Amt
Document
+PmtRtr
++TxInf
+++ChrgsInf
++++Amt
required
Attribute:
1..1
Pty
1..1
Document
+PmtRtr
++TxInf
+++ChrgsInf
++++Pty
FinInstnId
1..1
Document
+PmtRtr
++TxInf
+++ChrgsInf
++++Pty
+++++FinInstnId
BIC
Ccy
Format
Name
Typ
FractionDigits
TotalDigits
Inclusive
Pattern
Amount
2
18
0.01
.. 999999999.99
[0-9]{0,15}([\.]([0-9]{0,2})){0,1}
EPC references
(if available)
(AT-47 Fee for the positive answer
to the Recall in euro)
Usage Rule:
Only "EUR" is allowed.
Usage Rule: Amount must be 0.01 or
more and 999999999.99 or less.
Contents and checks
SEPA-Clearer
The curency designation
"EUR" is permissible. (Schema validation)
(Schema validation)
999999999. 99 (Schema validation)
Typ
SCLSCTCurrencyCode
Use
required
Acceptable Codes
EUR
Name
Party
Typ
cation4
Name
Typ
Name
BIC
(AT-23 BIC of the Creditor Bank).
Usage Rule: Only BIC is allowed
page 10 of 51
pacs.004.001.02SCT
Status
Element/Attribut
0..1
Document
+PmtRtr
++TxInf
+++ChrgsInf
++++Pty
+++++FinInstnId
++++++BIC
InstgAgt
1..1
Document
+PmtRtr
++TxInf
+++InstgAgt
FinInstnId
1..1
Document
+PmtRtr
++TxInf
+++InstgAgt
++++FinInstnId
BIC
1..1
Document
+PmtRtr
++TxInf
+++InstgAgt
++++FinInstnId
+++++BIC
RtrRsnInf
1..1
Document
+PmtRtr
++TxInf
+++RtrRsnInf
Orgtr
Format
EPC references
(if available)
Typ
Pattern
BICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
Name
Typ
Instructing Agent
cation4
Name
Typ
Name
Typ
Pattern
BIC
BICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
Name
Typ
Return Reason Information
SCLSCTReturnReasonInformation9
Mandatory
of 'Return Reason Information' is
allowed.
Name
Originator
Mandatory (AT-R2 Identification of
Contents and checks
SEPA-Clearer
Original instructing agent of the bulk.
May only be entered in the SCF of the
SEPA-Clearer, may not be included in the ICF
(submitted by
the SCL participant).
Error code: XT13
Data of the party which initiated the message
pacs.004. Only the BIC or the name (only for
non-financial institutions) may be given.
(Schema validation)
page 11 of 51
pacs.004.001.02SCT
Status
Element/Attribut
Document
+PmtRtr
++TxInf
+++RtrRsnInf
++++Orgtr
1..1
Nm
Document
+PmtRtr
++TxInf
+++RtrRsnInf
++++Orgtr
+++++Nm
1..1
Id
1..1
Document
+PmtRtr
++TxInf
+++RtrRsnInf
++++Orgtr
+++++Id
OrgId
1..1
Document
+PmtRtr
++TxInf
+++RtrRsnInf
++++Orgtr
+++++Id
++++++OrgId
BICOrBEI
Document
+PmtRtr
Format
Typ
SCLSCTId5
Name
Typ
Length
Pattern
WhiteSpace
Name
Max70Text
1 .. 70
\S+.*
collapse
Name
Typ
Identification
SCLSCTParty3Choice
Name
Typ
Name
Typ
Pattern
BICOrBEI
AnyBICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
EPC references
(if available)
Contents and checks
SEPA-Clearer
the type of party initiating the Rmessage)
Usage Rule: Limited to BIC for an
Agent or ‘Name’ for a non-financial
institution.
Usage Rule: ‘Name’ is limited to 70
Name of the party which initiated the return.
BIC of the party which initiated the return.
page 12 of 51
pacs.004.001.02SCT
Status
Element/Attribut
1..1
++TxInf
+++RtrRsnInf
++++Orgtr
+++++Id
++++++OrgId
+++++++BICOrBEI
Rsn
1..1
Document
+PmtRtr
++TxInf
+++RtrRsnInf
++++Rsn
Cd
Document
+PmtRtr
++TxInf
+++RtrRsnInf
++++Rsn
+++++Cd
Format
EPC references
(if available)
Contents and checks
SEPA-Clearer
Name
Typ
Reason
ReturnReason5Choice
Mandatory (AT-R3 Reason Code
for Non-Acceptance of the credit
transfer)
Usage Rule: If the message is
used for a positive answer to a
Recall, only ‘FOCR’ is allowed.
Return reason. If the message
Is used to transfer back an amount that was
requested using message type
camt.056.001.01, it is only admissible to enter
"FOCR"
(no technical validation occurs).
Name
Typ
Code
ExternalReturnReason1Code
See Message Element
Specifications below.
All acceptable return codes in accordance with
the EPC Implementation Guidelines.
(Schema validation)
Acceptable Codes
AC01
AC04
AC06
AG01
AG02
AM05
BE04
FOCR
MD07
MS02
MS03
RC01
RR01
page 13 of 51
pacs.004.001.02SCT
Status
Element/Attribut
0..1
AddtlInf
1..1
Document
+PmtRtr
++TxInf
+++RtrRsnInf
++++AddtlInf
OrgnlTxRef
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
1..1
IntrBkSttlmDt
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++IntrBkSttlmDt
SttlmInf
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++SttlmInf
Format
Acceptable Codes
RR02
RR03
RR04
Name
Additional Information
Typ
Max105Text
Length
1 .. 105
Pattern
\S+.*
WhiteSpace collapse
Name
Typ
SCLSCTOriginalTransactionReference13
Name
Typ
Pattern
ISODate
[0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
Name
Typ
EPC references
(if available)
(AT-R7 Specific Reference of the
bank initiating the recall)
Usage Rule: Only allowed when
‘FOCR’ is present in ‘Reason’. In
this case, it is mandatory and only
one occurrence is allowed.
Contents and checks
SEPA-Clearer
Use of <AddtlInf> only allowed
if "FOCR" is given as the reason for return. If
completed, although "Rsn" is not equivalent to
"FOCR":
Error code: XT33
Mandatory
Copy of the returned original message
(An exact copy of all attributes of
the received DS-02 which is being
returned)
Usage Rule: The message
elements under 'Original
Transaction Reference' must be
populated with the same value as
the message elements of the
original instruction as defined within
the following elements.
credit transfer)
page 14 of 51
pacs.004.001.02SCT
Status
1..1
Element/Attribut
SttlmMtd
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++SttlmInf
+++++SttlmMtd
1..1
PmtTpInf
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++PmtTpInf
SvcLvl
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++PmtTpInf
+++++SvcLvl
Cd
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++PmtTpInf
+++++SvcLvl
++++++Cd
Format
Name
Typ
EPC references
(if available)
Settlement Method
Acceptable Codes
CLRG
Name
Typ
Name
Typ
ServiceLevel
Name
Typ
Code
Contents and checks
SEPA-Clearer
Information about the settlement
mechanism.
Only the code "CLRG" is allowed
Scheme)
(AT-45 Category Purpose
of the Credit Transfer)
“SEPA” constant
(Schema validation)
Acceptable Codes
SEPA
page 15 of 51
pacs.004.001.02SCT
Status
Element/Attribut
0..1
LclInstrm
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++PmtTpInf
+++++LclInstrm
Cd
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++PmtTpInf
+++++LclInstrm
++++++Cd
Prtry
0..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++PmtTpInf
+++++LclInstrm
++++++Prtry
CtgyPurp
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++PmtTpInf
+++++CtgyPurp
Cd
Format
EPC references
(if available)
Contents and checks
SEPA-Clearer
Name
Typ
Local Instrument
Name
Typ
Length
WhiteSpace
Code
1 .. 35
collapse
Allocation according to the returned original
message
Name
Typ
Pattern
Proprietary
SCLSCTId8
([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|'|\s]){1,35}
message
Name
Typ
Category Purpose
Name
Typ
Code
(AT-45 Category purpose of the
Credit Transfer)
Encrypted remittance information.
message
page 16 of 51
pacs.004.001.02SCT
Status
Element/Attribut
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++PmtTpInf
+++++CtgyPurp
++++++Cd
Prtry
0..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++PmtTpInf
+++++CtgyPurp
++++++Prtry
RmtInf
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++RmtInf
Ustrd
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++RmtInf
+++++Ustrd
Strd
Document
+PmtRtr
Format
EPC references
(if available)
Contents and checks
SEPA-Clearer
Length
Pattern
WhiteSpace
1 .. 4
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Proprietary
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Name
Typ
Length
Pattern
WhiteSpace
Unstructured
Max140Text
1 .. 140
\S+.*
collapse
Usage Rule: 'Unstructured' may
Unstructured remittance information. Allocation
carry structured remittance
according to the returned original message
information, as agreed between the
Originator and the Beneficiary.
of 'Unstructured' is allowed.
Name
Typ
Structured
Format Rule: 'Structured' can be
used, provided the tags and data
do not exceed 140 characters in
length.
message
Structured or unstructured remittance
information. (Schema validation)
Structured remittance information Allocation
according to the returned original message
page 17 of 51
pacs.004.001.02SCT
Status
Element/Attribut
0..1
++TxInf
+++OrgnlTxRef
++++RmtInf
+++++Strd
CdtrRefInf
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++RmtInf
+++++Strd
++++++CdtrRefInf
Tp
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++RmtInf
+++++Strd
++++++CdtrRefInf
+++++++Tp
CdOrPrtry
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++RmtInf
+++++Strd
++++++CdtrRefInf
+++++++Tp
++++++++CdOrPrtry
Cd
Format
EPC references
(if available)
Contents and checks
SEPA-Clearer
of 'Structured' is allowed.
Name
Typ
SCLSCTCreditorReferenceInformation2
Name
Typ
Type
SCLSCTCreditorReferenceType2
Name
Typ
Code or Proprietary
SCLSCTCreditorReferenceType1Choice
Name
Code
Only the code "SCOR" is allowed.
page 18 of 51
pacs.004.001.02SCT
Status
Element/Attribut
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++RmtInf
+++++Strd
++++++CdtrRefInf
+++++++Tp
++++++++CdOrPrtry
+++++++++Cd
0..1
Issr
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++RmtInf
+++++Strd
++++++CdtrRefInf
+++++++Tp
++++++++Issr
Ref
0..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++RmtInf
+++++Strd
++++++CdtrRefInf
+++++++Ref
UltmtDbtr
Format
Typ
EPC references
(if available)
Contents and checks
SEPA-Clearer
Acceptable Codes
SCOR
Name
Issuer
Typ
Max35Text
Length
1 .. 35
Pattern
\S+.*
WhiteSpace collapse
Name
Typ
Length
Pattern
WhiteSpace
Reference
Max35Text
1 .. 35
\S+.*
collapse
Name
Ultimate Debtor
message
message
page 19 of 51
pacs.004.001.02SCT
Status
0..1
Element/Attribut
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtDbtr
Nm
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtDbtr
+++++Nm
0..1
Id
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
OrgId
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++OrgId
BICOrBEI
Document
+PmtRtr
++TxInf
Format
Typ
Name
Typ
Length
Pattern
WhiteSpace
Name
Max70Text
1 .. 70
\S+.*
collapse
Name
Typ
Identification
SCLSCTParty6Choice
Name
Typ
Name
Typ
Pattern
BICOrBEI
AnyBICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
EPC references
(if available)
Contents and checks
SEPA-Clearer
Reference Party)
Name of the ultimate payer.
page 20 of 51
pacs.004.001.02SCT
Status
1..1
Element/Attribut
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++OrgId
+++++++BICOrBEI
Othr
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++OrgId
+++++++Othr
1..1
Id
0..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++OrgId
+++++++Othr
++++++++Id
SchmeNm
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++OrgId
Format
Name
Typ
Other
Name
Typ
Length
Pattern
WhiteSpace
Identification
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Scheme Name
ice
EPC references
(if available)
Contents and checks
SEPA-Clearer
page 21 of 51
pacs.004.001.02SCT
Status
Element/Attribut
1..1
+++++++Othr
++++++++SchmeNm
Cd
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++OrgId
+++++++Othr
++++++++SchmeNm
+++++++++Cd
Prtry
0..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++OrgId
+++++++Othr
++++++++SchmeNm
+++++++++Prtry
Issr
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++OrgId
Format
Name
Typ
Length
Pattern
WhiteSpace
Code
1 .. 4
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Proprietary
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Issuer
Max35Text
1 .. 35
\S+.*
collapse
EPC references
(if available)
Contents and checks
SEPA-Clearer
page 22 of 51
pacs.004.001.02SCT
Status
Element/Attribut
1..1
+++++++Othr
++++++++Issr
PrvtId
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++PrvtId
DtAndPlcOfBirth
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++PrvtId
+++++++DtAndPlcOfBirth
BirthDt
0..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++PrvtId
++++++++BirthDt
PrvcOfBirth
Document
Format
Name
Typ
Name
Typ
DateAndPlaceOfBirth
Name
Typ
Pattern
Birth Date
ISODate
[0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
Name
Typ
Length
Province of Birth
Max35Text
1 .. 35
EPC references
(if available)
Contents and checks
SEPA-Clearer
page 23 of 51
pacs.004.001.02SCT
Status
Element/Attribut
1..1
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++PrvtId
++++++++PrvcOfBirth
CityOfBirth
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++PrvtId
++++++++CityOfBirth
CtryOfBirth
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++PrvtId
++++++++CtryOfBirth
Othr
Document
+PmtRtr
++TxInf
Format
Pattern
WhiteSpace
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
City of Birth
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Pattern
Country of Birth
CountryCode
[A-Z]{2,2}
Name
Typ
Other
EPC references
(if available)
Contents and checks
SEPA-Clearer
page 24 of 51
pacs.004.001.02SCT
Status
Element/Attribut
Format
EPC references
(if available)
Contents and checks
SEPA-Clearer
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++PrvtId
+++++++Othr
1..1
Id
0..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++PrvtId
+++++++Othr
++++++++Id
SchmeNm
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++PrvtId
+++++++Othr
++++++++SchmeNm
Cd
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
Name
Typ
Length
Pattern
WhiteSpace
Identification
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Scheme Name
Name
Typ
Length
Pattern
WhiteSpace
Code
1 .. 4
\S+.*
collapse
page 25 of 51
pacs.004.001.02SCT
Status
Element/Attribut
1..1
++++++PrvtId
+++++++Othr
++++++++SchmeNm
+++++++++Cd
Prtry
0..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++PrvtId
+++++++Othr
++++++++SchmeNm
+++++++++Prtry
Issr
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++PrvtId
+++++++Othr
++++++++Issr
Dbtr
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Dbtr
Nm
Format
EPC references
(if available)
Name
Typ
Length
Pattern
WhiteSpace
Proprietary
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Issuer
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Debtor
(AT-02 Name of the Originator)
(AT-10 Originator identification
code)
Name
Name
Mandatory
Contents and checks
SEPA-Clearer
Name of the payer.
page 26 of 51
pacs.004.001.02SCT
Status
Element/Attribut
0..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Dbtr
+++++Nm
PstlAdr
0..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Dbtr
+++++PstlAdr
Ctry
0..2
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Dbtr
+++++PstlAdr
++++++Ctry
AdrLine
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Dbtr
+++++PstlAdr
++++++AdrLine
0..1
Id
Document
Format
EPC references
(if available)
Contents and checks
SEPA-Clearer
Typ
Length
Pattern
WhiteSpace
Max70Text
1 .. 70
\S+.*
collapse
(AT-02 Name of the Originator)
Name
Typ
Postal Address
Address of the payer.
Name
Typ
Pattern
Country
CountryCode
[A-Z]{2,2}
Name
Typ
Length
Pattern
WhiteSpace
Address Line
Max70Text
1 .. 70
\S+.*
collapse
Name
Typ
Identification
SCLSCTParty6Choice
(AT-10 Originator's Identification
Code)
Format Rule: Either 'Organisation
Identification code of the payer.
(Originator Identification Code).
page 27 of 51
pacs.004.001.02SCT
Status
Element/Attribut
1..1
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Dbtr
+++++Id
OrgId
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Dbtr
+++++Id
++++++OrgId
BICOrBEI
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Dbtr
+++++Id
++++++OrgId
+++++++BICOrBEI
Othr
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Dbtr
+++++Id
++++++OrgId
+++++++Othr
1..1
Id
Format
EPC references
(if available)
Contents and checks
SEPA-Clearer
Identification' or one occurrence of
'Private Identification' may be
present.
Name
Typ
May not be given simultaneously with the
(Schema validation)
Name
Typ
Pattern
BICOrBEI
AnyBICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
Name
Typ
Other
Name
Identification
page 28 of 51
pacs.004.001.02SCT
Status
Element/Attribut
0..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Dbtr
+++++Id
++++++OrgId
+++++++Othr
++++++++Id
SchmeNm
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Dbtr
+++++Id
++++++OrgId
+++++++Othr
++++++++SchmeNm
Cd
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Dbtr
+++++Id
++++++OrgId
+++++++Othr
++++++++SchmeNm
+++++++++Cd
Prtry
Document
Format
Typ
Length
Pattern
WhiteSpace
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Scheme Name
ice
Name
Typ
Length
Pattern
WhiteSpace
Code
1 .. 4
\S+.*
collapse
Name
Typ
Proprietary
Max35Text
EPC references
(if available)
Contents and checks
SEPA-Clearer
page 29 of 51
pacs.004.001.02SCT
Status
Element/Attribut
0..1
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Dbtr
+++++Id
++++++OrgId
+++++++Othr
++++++++SchmeNm
+++++++++Prtry
Issr
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Dbtr
+++++Id
++++++OrgId
+++++++Othr
++++++++Issr
PrvtId
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Dbtr
+++++Id
++++++PrvtId
DtAndPlcOfBirth
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
Format
Length
Pattern
WhiteSpace
1 .. 35
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Issuer
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Name
Typ
DateAndPlaceOfBirth
EPC references
(if available)
Contents and checks
SEPA-Clearer
page 30 of 51
pacs.004.001.02SCT
Status
Element/Attribut
1..1
++++Dbtr
+++++Id
++++++PrvtId
BirthDt
0..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Dbtr
+++++Id
++++++PrvtId
++++++++BirthDt
PrvcOfBirth
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Dbtr
+++++Id
++++++PrvtId
++++++++PrvcOfBirth
CityOfBirth
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Dbtr
+++++Id
++++++PrvtId
Format
Name
Typ
Pattern
Birth Date
ISODate
[0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
Name
Typ
Length
Pattern
WhiteSpace
Province of Birth
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
City of Birth
Max35Text
1 .. 35
\S+.*
collapse
EPC references
(if available)
Contents and checks
SEPA-Clearer
page 31 of 51
pacs.004.001.02SCT
Status
Element/Attribut
1..1
++++++++CityOfBirth
CtryOfBirth
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Dbtr
+++++Id
++++++PrvtId
++++++++CtryOfBirth
Othr
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Dbtr
+++++Id
++++++PrvtId
+++++++Othr
1..1
Id
0..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Dbtr
+++++Id
++++++PrvtId
+++++++Othr
++++++++Id
SchmeNm
Format
Name
Typ
Pattern
Country of Birth
CountryCode
[A-Z]{2,2}
Name
Typ
Other
Name
Typ
Length
Pattern
WhiteSpace
Identification
Max35Text
1 .. 35
\S+.*
collapse
Name
Scheme Name
EPC references
(if available)
Contents and checks
SEPA-Clearer
page 32 of 51
pacs.004.001.02SCT
Status
Element/Attribut
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Dbtr
+++++Id
++++++PrvtId
+++++++Othr
++++++++SchmeNm
Cd
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Dbtr
+++++Id
++++++PrvtId
+++++++Othr
++++++++SchmeNm
+++++++++Cd
Prtry
0..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Dbtr
+++++Id
++++++PrvtId
+++++++Othr
++++++++SchmeNm
+++++++++Prtry
Issr
Format
Typ
Name
Typ
Length
Pattern
WhiteSpace
Code
1 .. 4
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Proprietary
Max35Text
1 .. 35
\S+.*
collapse
Name
Issuer
EPC references
(if available)
Contents and checks
SEPA-Clearer
page 33 of 51
pacs.004.001.02SCT
Status
1..1
Element/Attribut
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Dbtr
+++++Id
++++++PrvtId
+++++++Othr
++++++++Issr
DbtrAcct
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++DbtrAcct
1..1
Id
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++DbtrAcct
+++++Id
IBAN
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++DbtrAcct
+++++Id
++++++IBAN
DbtrAgt
Format
EPC references
(if available)
Contents and checks
SEPA-Clearer
Typ
Length
Pattern
WhiteSpace
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Debtor Account
Name
Typ
Identification
Name
Typ
Pattern
IBAN
IBAN2007Identifier
[A-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,30}
IBAN of the payer.
Name
Typ
Debtor Agent
(AT-06 BIC code of the Originator
SCLSCTBranchAndFinancialInstitutionIdentifi Bank)
BIC of the remitting payment service provider
according to the original message.
(AT-01 IBAN of the Originator)
page 34 of 51
pacs.004.001.02SCT
Status
Element/Attribut
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++DbtrAgt
FinInstnId
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++DbtrAgt
+++++FinInstnId
BIC
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++DbtrAgt
+++++FinInstnId
++++++BIC
CdtrAgt
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++CdtrAgt
FinInstnId
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
Format
EPC references
(if available)
Contents and checks
SEPA-Clearer
cation4
Name
Typ
Name
Typ
Pattern
BIC
BICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
BIC of the remitting payment service provider
Validity of the BIC according to the
SCL-Directory.
Error code: XT27
Name
Typ
Creditor Agent
(AT-23 BIC code of the Beneficiary
cation4
BIC of the creditor’s payment service provider.
Name
Typ
page 35 of 51
pacs.004.001.02SCT
Status
Element/Attribut
1..1
++++CdtrAgt
+++++FinInstnId
BIC
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++CdtrAgt
+++++FinInstnId
++++++BIC
Cdtr
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Cdtr
Nm
0..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Cdtr
+++++Nm
PstlAdr
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Cdtr
Format
Name
Typ
Pattern
EPC references
(if available)
BIC
BICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
Contents and checks
SEPA-Clearer
BIC of the creditor’s payment service provider
Validity of the BIC according to the
SCL-Directory.
Error code: XT27
Credit agent BIC is part of the duplication check
at the single record level.
Error code: AM05
Name
Typ
Creditor
(AT-22 Address of the Beneficiary
(AT-24 Beneficiary identification
code)
Name
Typ
Length
Pattern
WhiteSpace
Name
Max70Text
1 .. 70
\S+.*
collapse
Mandatory
Name of the creditor.
Name
Typ
Postal Address
(AT-22 Address of the Beneficiary)
Address of the creditor.
page 36 of 51
pacs.004.001.02SCT
Status
Element/Attribut
0..1
+++++PstlAdr
Ctry
0..2
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Cdtr
+++++PstlAdr
++++++Ctry
AdrLine
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Cdtr
+++++PstlAdr
++++++AdrLine
0..1
Id
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Cdtr
+++++Id
OrgId
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Cdtr
+++++Id
Format
EPC references
(if available)
Name
Typ
Pattern
Country
CountryCode
[A-Z]{2,2}
Name
Typ
Length
Pattern
WhiteSpace
Address Line
Max70Text
1 .. 70
\S+.*
collapse
Format Rule: Only two occurrences
Name
Typ
Identification
SCLSCTParty6Choice
Code)
Format Rule: Either 'Organisation
Identification' or one occurrence of
'Private Identification' may be
present.
Name
Typ
Contents and checks
SEPA-Clearer
Identification code of the creditor.
May not be given simultaneously with
<Id>/<PrvID> (see below).
(Schema validation)
page 37 of 51
pacs.004.001.02SCT
Status
Element/Attribut
1..1
++++++OrgId
BICOrBEI
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Cdtr
+++++Id
++++++OrgId
+++++++BICOrBEI
Othr
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Cdtr
+++++Id
++++++OrgId
+++++++Othr
1..1
Id
0..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Cdtr
+++++Id
++++++OrgId
+++++++Othr
++++++++Id
SchmeNm
Document
Format
Name
Typ
Pattern
BICOrBEI
AnyBICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
Name
Typ
Other
Name
Typ
Length
Pattern
WhiteSpace
Identification
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Scheme Name
ice
EPC references
(if available)
Contents and checks
SEPA-Clearer
page 38 of 51
pacs.004.001.02SCT
Status
Element/Attribut
1..1
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Cdtr
+++++Id
++++++OrgId
+++++++Othr
++++++++SchmeNm
Cd
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Cdtr
+++++Id
++++++OrgId
+++++++Othr
++++++++SchmeNm
+++++++++Cd
Prtry
0..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Cdtr
+++++Id
++++++OrgId
+++++++Othr
++++++++SchmeNm
+++++++++Prtry
Issr
Document
Format
Name
Typ
Length
Pattern
WhiteSpace
Code
1 .. 4
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Proprietary
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Length
Issuer
Max35Text
1 .. 35
EPC references
(if available)
Contents and checks
SEPA-Clearer
page 39 of 51
pacs.004.001.02SCT
Status
Element/Attribut
1..1
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Cdtr
+++++Id
++++++OrgId
+++++++Othr
++++++++Issr
PrvtId
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Cdtr
+++++Id
++++++PrvtId
DtAndPlcOfBirth
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Cdtr
+++++Id
++++++PrvtId
BirthDt
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Cdtr
+++++Id
Format
Pattern
WhiteSpace
\S+.*
collapse
Name
Typ
Name
Typ
DateAndPlaceOfBirth
Name
Typ
Pattern
Birth Date
ISODate
[0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
EPC references
(if available)
Contents and checks
SEPA-Clearer
page 40 of 51
pacs.004.001.02SCT
Status
Element/Attribut
0..1
++++++PrvtId
++++++++BirthDt
PrvcOfBirth
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Cdtr
+++++Id
++++++PrvtId
++++++++PrvcOfBirth
CityOfBirth
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Cdtr
+++++Id
++++++PrvtId
++++++++CityOfBirth
CtryOfBirth
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Cdtr
+++++Id
++++++PrvtId
Format
Name
Typ
Length
Pattern
WhiteSpace
Province of Birth
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
City of Birth
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Pattern
Country of Birth
CountryCode
[A-Z]{2,2}
EPC references
(if available)
Contents and checks
SEPA-Clearer
page 41 of 51
pacs.004.001.02SCT
Status
1..1
Element/Attribut
++++++++CtryOfBirth
Othr
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Cdtr
+++++Id
++++++PrvtId
+++++++Othr
1..1
Id
0..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Cdtr
+++++Id
++++++PrvtId
+++++++Othr
++++++++Id
SchmeNm
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Cdtr
+++++Id
++++++PrvtId
+++++++Othr
++++++++SchmeNm
Cd
Format
Name
Typ
Other
Name
Typ
Length
Pattern
WhiteSpace
Identification
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Scheme Name
Name
Typ
Code
EPC references
(if available)
Contents and checks
SEPA-Clearer
page 42 of 51
pacs.004.001.02SCT
Status
Element/Attribut
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Cdtr
+++++Id
++++++PrvtId
+++++++Othr
++++++++SchmeNm
+++++++++Cd
Prtry
0..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Cdtr
+++++Id
++++++PrvtId
+++++++Othr
++++++++SchmeNm
+++++++++Prtry
Issr
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++Cdtr
+++++Id
++++++PrvtId
+++++++Othr
++++++++Issr
CdtrAcct
Format
Length
Pattern
WhiteSpace
1 .. 4
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Proprietary
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Issuer
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Creditor Account
EPC references
(if available)
(AT-20 IBAN of the Beneficiary)
Contents and checks
SEPA-Clearer
IBAN of the creditor
page 43 of 51
pacs.004.001.02SCT
Status
Element/Attribut
Format
EPC references
(if available)
Contents and checks
SEPA-Clearer
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++CdtrAcct
1..1
Id
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++CdtrAcct
+++++Id
IBAN
0..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++CdtrAcct
+++++Id
++++++IBAN
UltmtCdtr
0..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtCdtr
Nm
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
Name
Typ
Identification
Name
Typ
Pattern
IBAN
IBAN2007Identifier
[A-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,30}
Name
Typ
Ultimate Creditor
Name
Typ
Length
Pattern
WhiteSpace
Name
Max70Text
1 .. 70
\S+.*
collapse
Reference Party)
Beneficiary Reference Party)
Name of the ultimate creditor.
page 44 of 51
pacs.004.001.02SCT
Status
Element/Attribut
Format
EPC references
(if available)
Contents and checks
SEPA-Clearer
++++UltmtCdtr
+++++Nm
0..1
Id
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
OrgId
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++OrgId
BICOrBEI
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++OrgId
+++++++BICOrBEI
Othr
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
Name
Typ
Identification
SCLSCTParty6Choice
Name
Typ
Name
Typ
Pattern
BICOrBEI
AnyBICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
Name
Typ
Other
page 45 of 51
pacs.004.001.02SCT
Status
Element/Attribut
Format
EPC references
(if available)
Contents and checks
SEPA-Clearer
++++UltmtCdtr
+++++Id
++++++OrgId
+++++++Othr
1..1
Id
0..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++OrgId
+++++++Othr
++++++++Id
SchmeNm
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++OrgId
+++++++Othr
++++++++SchmeNm
Cd
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++OrgId
Name
Typ
Length
Pattern
WhiteSpace
Identification
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Scheme Name
ice
Name
Typ
Length
Pattern
WhiteSpace
Code
1 .. 4
\S+.*
collapse
page 46 of 51
pacs.004.001.02SCT
Status
Element/Attribut
1..1
+++++++Othr
++++++++SchmeNm
+++++++++Cd
Prtry
0..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++OrgId
+++++++Othr
++++++++SchmeNm
+++++++++Prtry
Issr
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++OrgId
+++++++Othr
++++++++Issr
PrvtId
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++PrvtId
Format
Name
Typ
Length
Pattern
WhiteSpace
Proprietary
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Issuer
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
EPC references
(if available)
Contents and checks
SEPA-Clearer
page 47 of 51
pacs.004.001.02SCT
Status
Element/Attribut
1..1
DtAndPlcOfBirth
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++PrvtId
BirthDt
0..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++PrvtId
++++++++BirthDt
PrvcOfBirth
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++PrvtId
++++++++PrvcOfBirth
CityOfBirth
Document
+PmtRtr
Format
Name
Typ
DateAndPlaceOfBirth
Name
Typ
Pattern
Birth Date
ISODate
[0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
Name
Typ
Length
Pattern
WhiteSpace
Province of Birth
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Length
City of Birth
Max35Text
1 .. 35
EPC references
(if available)
Contents and checks
SEPA-Clearer
page 48 of 51
pacs.004.001.02SCT
Status
Element/Attribut
1..1
++TxInf
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++PrvtId
++++++++CityOfBirth
CtryOfBirth
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++PrvtId
++++++++CtryOfBirth
Othr
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++PrvtId
+++++++Othr
1..1
Id
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtCdtr
Format
Pattern
WhiteSpace
\S+.*
collapse
Name
Typ
Pattern
Country of Birth
CountryCode
[A-Z]{2,2}
Name
Typ
Other
Name
Typ
Length
Pattern
WhiteSpace
Identification
Max35Text
1 .. 35
\S+.*
collapse
EPC references
(if available)
Contents and checks
SEPA-Clearer
page 49 of 51
pacs.004.001.02SCT
Status
Element/Attribut
0..1
+++++Id
++++++PrvtId
+++++++Othr
++++++++Id
SchmeNm
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++PrvtId
+++++++Othr
++++++++SchmeNm
Cd
1..1
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++PrvtId
+++++++Othr
++++++++SchmeNm
+++++++++Cd
Prtry
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
Format
Name
Typ
Scheme Name
Name
Typ
Length
Pattern
WhiteSpace
Code
1 .. 4
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Proprietary
Max35Text
1 .. 35
\S+.*
collapse
EPC references
(if available)
Contents and checks
SEPA-Clearer
page 50 of 51
pacs.004.001.02SCT
Status
0..1
Element/Attribut
++++++PrvtId
+++++++Othr
++++++++SchmeNm
+++++++++Prtry
Issr
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++PrvtId
+++++++Othr
++++++++Issr
Format
Name
Typ
Length
Pattern
WhiteSpace
EPC references
(if available)
Contents and checks
SEPA-Clearer
Issuer
Max35Text
1 .. 35
\S+.*
collapse
page 51 of 51
SCT Interbank Recall of Credit Transfer Dataset (DS-05) – camt.056.001.01SCT
Memo
SEPA Credit Transfer – Interbank Recall of Credit Transfer Dataset (DS-05)
SCT annex 8 of appendix “SCT/SCL technical specifications “ - camt.056.001.01
page 1 of 2
SCT Interbank Recall of Credit Transfer Dataset (DS-05) – camt.056.001.01SCT
Use of Interbank Recall of Credit Transfer Dataset (camt.056.001.01)
This message is used in the SEPA-Clearer SCT service to recall individual credit transfers from the recipient following settlement. It is
not possible to recall an entire bulk payment.
Pursuant to the rulebook, the recall can be effected up to 10 business days after settlement. This deadline is not validated in the
SEPA-Clearer.
The recall itself is not relevant for settlement and serves solely to inform the beneficiary who then has ten further business days to actively respond to the camt.056.001.001 in one of two ways:


The beneficiary transfers the amount – where applicable minus the processing fee of the <Creditor Agent> (<Charges Information>) and specifying the <Reason Code> “FOCR” (Following Cancellation Request) – to the originator of the cancellation
request by means of a bookkeeping-relevant return (pacs.004.001.02) or
The beneficiary instructs the <Creditor Agent> to send a return message or “negative message” (Resolution of Investigation,
camt.029.001.03), stating why the requested return transfer will not take place using a <Reason Code>. This message is not
relevant for settlement.
The SEPA-Clearer carries out a duplication check but does not cross reference checking. For example, no check is made as to
whether the original payment was processed on the given date in the SEPA-Clearer or whether a recall has already been submitted.
Furthermore, it is not checked whether a recall has already been answered
The message is a component of the Input Credit File (ICF) on the submitter side and a component of the Settled Credit File (SCF) on
the delivery side.
A Interbank Recall of Credit Transfer Dataset contains:



a single “assignment” (in pacs messages: Group Header)
a “Control Data”
an “Underlying” containing one or more transaction information sequences, each of which contains the transaction data of the individual underlying transfer (pacs.008.001.02).
Group header
The “assignment” contains information required to process the entire message.
SCT annex 8 of appendix “SCT/SCL technical specifications “ - camt.056.001.01
page 2 of 2
camt.056.001.01SCT
Message structure
Status
Element/Attribut
Document
1..1
Document
FIToFIPmtCxlReq
1..1
Document
+FIToFIPmtCxlReq
Assgnmt
1..1
Document
+FIToFIPmtCxlReq
++Assgnmt
Id
Document
+FIToFIPmtCxlReq
++Assgnmt
+++Id
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
Typ
Document
Name
Typ
Payment Cancellation Request
SCLSCTFIToFIPaymentCancellationRequest
V01
Name
Typ
Assignment
SCLSCTCaseAssignment2
The assignment contains information which is
relevant for the entire message.
Name
Typ
Pattern
Identification
SCLSCTId7
([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35}
Identification of the bulk.
Part of duplication check (unique daily
reference).
Error code: B14
The first 8 or 11 characters of Id must match the
BIC of the Assigner in ICF.
Error code: B98
1..1
Assgnr
Document
+FIToFIPmtCxlReq
++Assgnmt
+++Assgnr
1..1
Agt
Document
Name
Typ
Assigner
SCLSCTParty7Choice
Name
Typ
Agent
Instructing Party
Usage Rule: Limited to BIC to
identify a bank or CSM or ‘Name’ to
indicate the CSM when it has no
BIC.
camt.056.001.01SCT; SCL SCT
page 1 of 52
camt.056.001.01SCT
Status
Element/Attribut
1..1
+FIToFIPmtCxlReq
++Assgnmt
+++Assgnr
++++Agt
FinInstnId
1..1
Document
+FIToFIPmtCxlReq
++Assgnmt
+++Assgnr
++++Agt
+++++FinInstnId
BIC
1..1
Document
+FIToFIPmtCxlReq
++Assgnmt
+++Assgnr
++++Agt
+++++FinInstnId
++++++BIC
Assgne
Document
+FIToFIPmtCxlReq
++Assgnmt
+++Assgne
1..1
Agt
Document
+FIToFIPmtCxlReq
++Assgnmt
+++Assgne
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
cation4
Name
Typ
Name
Typ
Pattern
BIC
BICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
ICF: To be completed with the BIC of the
submitter.
BIC has been authorised to make submissions
(Check against the SCL-Directory).
Error code: B12
SCF: For deliveries from the SCL "MARKDEFF".
Name
Typ
Assignee
SCLSCTParty7Choice
Name
Typ
Agent
cation4
Instructed Party
BIC.
page 2 of 52
camt.056.001.01SCT
Status
Element/Attribut
1..1
++++Agt
FinInstnId
1..1
Document
+FIToFIPmtCxlReq
++Assgnmt
+++Assgne
++++Agt
+++++FinInstnId
BIC
1..1
Document
+FIToFIPmtCxlReq
++Assgnmt
+++Assgne
++++Agt
+++++FinInstnId
++++++BIC
CreDtTm
1..1
Document
+FIToFIPmtCxlReq
++Assgnmt
+++CreDtTm
CtrlData
1..1
Document
+FIToFIPmtCxlReq
++CtrlData
NbOfTxs
Document
+FIToFIPmtCxlReq
++CtrlData
+++NbOfTxs
Format
Name
Typ
Name
Typ
Pattern
BIC
BICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
Name
Typ
Pattern
Creation Date Time
ISODateTime
[0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}[T][0-9]{2,2}:
[0-9]{2,2}:[0-9]{2,2}[\S]*
Name
Typ
Control Data
ControlData1
Name
Typ
Pattern
NumberOfTransactions
Max15NumericText
[0-9]{1,15}
EPC references
(if available)
Content and checks
SEPA-Clearer
ICF: To be completed with “MARKDEFF” for
submission to the SCL. BIC must be completed
correctly. Error code: B12
SCF: To be completed with the BIC of the of the
creditor for delivery from the SCL.
of data records in the file). Error code: B02 Total
number of data records must be equal to the
actual number of individual data records in the
file.
Error code: B03
page 3 of 52
camt.056.001.01SCT
Status
Element/Attribut
1..1
Undrlyg
1..n
Document
+FIToFIPmtCxlReq
++Undrlyg
TxInf
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
CxlId
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++CxlId
OrgnlGrpInf
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlGrpInf
OrgnlMsgId
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlGrpInf
Format
EPC references
(if available)
Name
Typ
Underlying
SCLSCTUnderlyingTransaction2
Name
Typ
TransactionInformation
Mandatory
Name
Typ
Pattern
CancellationIdentification
SCLSCTId7
([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35}
Mandatory (AT-R7 Specific
reference of the bank initiating the
Recall)
Usage Rule: This element must be
transported up to the Creditor
Agent.
Name
Typ
OriginalGroupInformation
SCLSCTOriginalGroupInformation3
Mandatory
Name
Typ
Pattern
SCLSCTId7
([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35}
Content and checks
SEPA-Clearer
Data of the underlying original transaction(s)
being cancelled
Reference of the payment service provider
requesting the cancellation.
Cancellation Id is part of the duplication check at
single record level.
Error code: AM05
Message Id (<MsgId>) of original bulk.
page 4 of 52
camt.056.001.01SCT
Status
Element/Attribut
1..1
+++++OrgnlMsgId
OrgnlMsgNmId
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlGrpInf
+++++OrgnlMsgNmId
OrgnlInstrId
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlInstrId
OrgnlEndToEndId
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlEndToEndId
OrgnlTxId
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxId
OrgnlIntrBkSttlmAmt
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlIntrBkSttlmAmt
Format
EPC references
(if available)
Usage Rule: Only ‘pacs.008.001.
02’ is allowed.
Content and checks
SEPA-Clearer
Name
Typ
Pattern
SCLSCTOrgnlMsgNmId
pacs\.008[A-Za-z0-9\.]{0,27}
PACS\.008[A-Za-z0-9\.]{0,27}
Message Name Id of original payment.
To be completed with “pacs.008” or “PACS.008”,
where necessary further characters in
accordance with schema validation permitted
Name
Typ
Pattern
SCLSCTId7
([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35}
Name
Typ
Length
Pattern
WhiteSpace
Max35Text
1 .. 35
\S+.*
collapse
Mandatory
End to End Id of original payment
(AT-41 Originator’s reference of the
Name
Typ
Pattern
SCLSCTId7
([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35}
Mandatory
(AT-43 Originator Bank’s reference
Originator Bank’s reference.Transaction Id
(<TxId>) of original payment
Name
Typ
FractionDigits
TotalDigits
Inclusive
Pattern
Original Interbank Settlement Amount
SCLSCTCurrencyAndAmount
2
18
0.01
.. 999999999.99
[0-9]{0,15}([\.]([0-9]{0,2})){0,1}
Mandatory
Transfer in Euro) Usage Rule: Only
'EUR' is allowed.
Original payment amount. Only ‘EUR’ is
permitted as the currency designation.
(Schema validation))
(Schema validation). Amount must be at least
0.01 but no more than 999999999. (Schema
validation)
Instruction Id of original payment Only given if
already specified in the
page 5 of 52
camt.056.001.01SCT
Status
Element/Attribut
required
Attribute:
1..1
OrgnlIntrBkSttlmDt
Ccy
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlIntrBkSttlmDt
Format
Typ
SCLSCTCurrencyCode
Use
required
Acceptable Codes
EUR
Name
Original Interbank Settlement Date
Typ
ISODate
Pattern
[0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
EPC references
(if available)
Mandatory
Credit Transfer)
Content and checks
SEPA-Clearer
Interbank settlement date of original payment
must match date of the original transaction. If
not, a transaction forwarded via other CSMs
might be rejected using error code: XT74
A recall is only permitted after settlement. The
transmission may take place, at the earliest, on
the next ISD of the corresponding pacs.008.
error code: DT01
The current SCL <IntrBkSttlmDt> is assumed for
the duplication check.
Compliance with the permitted cancellation
deadline of 10 business days following
settlement of the original payment is not checked
on either the submission or delivery sides in the
SCL.
page 6 of 52
camt.056.001.01SCT
Status
Element/Attribut
0..1
Assgnr
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++Assgnr
FinInstnId
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++Assgnr
+++++FinInstnId
BIC
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++Assgnr
+++++FinInstnId
++++++BIC
CxlRsnInf
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++CxlRsnInf
Orgtr
Document
+FIToFIPmtCxlReq
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
Name
Typ
Assigner
cation4
ICF: cannot be completed for submission.
SCF: is completed upon delivery from the SCL.
Name
Typ
Name
Typ
Pattern
BIC
BICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
Name
Typ
Cancellation Reason Information
SCLSCTCancellationReasonInformation3
Mandatory
is allowed.
Information regarding the reason for cancellation
Name
Typ
Originator
SCLSCTId5
Mandatory
(AT-R2 Identification of
BIC or name (only for non financial institutions)
of the institution requesting the recall.
(Schema validation)
ICF cannot be completed for submission. Error
code: XT13
SCF: to be completed, for delivery from the SCL
with the BIC of the party requesting the recall.
page 7 of 52
camt.056.001.01SCT
Status
Element/Attribut
1..1
++Undrlyg
+++TxInf
++++CxlRsnInf
+++++Orgtr
Nm
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++CxlRsnInf
+++++Orgtr
++++++Nm
Id
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++CxlRsnInf
+++++Orgtr
++++++Id
OrgId
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++CxlRsnInf
+++++Orgtr
++++++Id
+++++++OrgId
BICOrBEI
Document
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
institution.
Name
Typ
Length
Pattern
WhiteSpace
Name
Max70Text
1 .. 70
\S+.*
collapse
Name of the institution requesting the recall
Name
Typ
Identification
SCLSCTParty6Choice2
BIC of the institution requesting the recall.
Name
Typ
BIC of the institution requesting the recall.
Name
Typ
Pattern
BIC Or BEI
AnyBICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
page 8 of 52
camt.056.001.01SCT
Status
Element/Attribut
1..1
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++CxlRsnInf
+++++Orgtr
++++++Id
+++++++OrgId
++++++++BICOrBEI
Rsn
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++CxlRsnInf
+++++Rsn
Cd
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++CxlRsnInf
+++++Rsn
++++++Cd
1..1
Prtry
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++CxlRsnInf
+++++Rsn
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
{0,1}
Name
Typ
Reason
CancellationReason2Choice
Mandatory
(AT-48 Recall reason code)
Reason for the recall.
Name
Typ
Code
CancellationReason4Code
See Message Element
Specifications below
ISO reason code for the recall
(schema validation.)
See Message Element
Reasons “TECH” and “FRAD” can be entered
here (no ISO codes).
No technical or schema validation.
Acceptable Codes
DUPL
Name
Proprietary
Typ
Max35Text
Length
1 .. 35
Pattern
\S+.*
WhiteSpace collapse
page 9 of 52
camt.056.001.01SCT
Status
Element/Attribut
0..1
++++++Prtry
AddtlInf
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++CxlRsnInf
+++++AddtlInf
OrgnlTxRef
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
1..1
SttlmInf
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++SttlmInf
SttlmMtd
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
Format
EPC references
(if available)
Name
Typ
Length
Max105Text
1 .. 105
(AT-49 Additional Information to
AT-48 The Recall reason code)
Usage Rule: Only allowed when
‘FRAD’ is used as a Recall reason
code.
is allowed
Name
Typ
extension
(SCLSCTOriginalTransactionReference13)
Mandatory
(an exact copy of all attributes of
the initially sent
DS-02 which is to be cancelled)
Usage Rule: The message
elements under
‘Original Transaction Reference’
must be
populated with the same value as
the message
elements of the original instruction
as defined
within the following elements.
Name
Typ
Name
Typ
Settlement Method
Content and checks
SEPA-Clearer
Additional information on the reason for the
recall (AT-49)
Only allowed, if CxlRsnInf><Rsn><Prtry> is
"FRAD".
Error code: XT13
Only “CLRG” is allowed
(Schema validation)
page 10 of 52
camt.056.001.01SCT
Status
Element/Attribut
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
++++OrgnlTxRef
+++++SttlmInf
++++++SttlmMtd
1..1
ClrSys
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++SttlmInf
++++++ClrSys
Prtry
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++SttlmInf
++++++ClrSys
+++++++Prtry
1..1
PmtTpInf
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++PmtTpInf
SvcLvl
Acceptable Codes
CLRG
Name
Clearing System
Typ
e
Name
Typ
Length
Pattern
WhiteSpace
Proprietary
SCLSCTMax35Text_SCL
1 .. 35
\S+.*
collapse
Acceptable Codes
SCL
Name
Typ
Name
Identification of the clearing system.
Only “SCL” is allowed (Schema validation).
Scheme)
(AT-45 Category Purpose of the
Credit Transfer)
Payment type information
Service Level
page 11 of 52
camt.056.001.01SCT
Status
1..1
Element/Attribut
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++PmtTpInf
++++++SvcLvl
Cd
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++PmtTpInf
++++++SvcLvl
+++++++Cd
0..1
LclInstrm
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++PmtTpInf
++++++LclInstrm
Cd
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
Format
Typ
Name
Typ
Code
EPC references
(if available)
Content and checks
SEPA-Clearer
Only “SEPA” is allowed
Acceptable Codes
SEPA
Name
Local Instrument
Typ
Name
Typ
Length
WhiteSpace
Code
1 .. 35
collapse
Entry according to original payment
page 12 of 52
camt.056.001.01SCT
Status
Element/Attribut
1..1
+++++PmtTpInf
++++++LclInstrm
+++++++Cd
Prtry
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++PmtTpInf
++++++LclInstrm
+++++++Prtry
CtgyPurp
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++PmtTpInf
++++++CtgyPurp
Cd
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++PmtTpInf
++++++CtgyPurp
+++++++Cd
Prtry
Document
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
Name
Typ
Pattern
Proprietary
SCLSCTId8
([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|'|\s]){1,35}
Name
Typ
Category Purpose
Encrypted remittance information
Name
Typ
Length
Pattern
WhiteSpace
Code
1 .. 4
\S+.*
collapse
Name
Typ
Length
Proprietary
Max35Text
1 .. 35
page 13 of 52
camt.056.001.01SCT
Status
Element/Attribut
0..1
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++PmtTpInf
++++++CtgyPurp
+++++++Prtry
RmtInf
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++RmtInf
Ustrd
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++RmtInf
++++++Ustrd
Strd
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++RmtInf
++++++Strd
CdtrRefInf
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
Pattern
WhiteSpace
\S+.*
collapse
Name
Typ
Name
Typ
Length
Pattern
WhiteSpace
Unstructured
Max140Text
1 .. 140
\S+.*
collapse
Unstructured purpose of payment. Entry
according to original payment
Name
Typ
Structured
Structured purpose of payment. Entry according
to original payment
Name
Typ
CreditorReferenceInformation2
Creditor reference information
Unstructured or structured purpose of payment.
page 14 of 52
camt.056.001.01SCT
Status
Element/Attribut
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++RmtInf
++++++Strd
+++++++CdtrRefInf
Tp
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++RmtInf
++++++Strd
+++++++CdtrRefInf
++++++++Tp
CdOrPrtry
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++RmtInf
++++++Strd
+++++++CdtrRefInf
++++++++Tp
+++++++++CdOrPrtry
Cd
Document
+FIToFIPmtCxlReq
Format
Name
Typ
Type
CreditorReferenceType2
Name
Typ
Code Or Proprietary
CreditorReferenceType1Choice
Name
Typ
Code
EPC references
(if available)
Content and checks
SEPA-Clearer
Code for the creditor reference.
Only “SCOR” is allowed
(Schema validation)
page 15 of 52
camt.056.001.01SCT
Status
Element/Attribut
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++RmtInf
++++++Strd
+++++++CdtrRefInf
++++++++Tp
+++++++++CdOrPrtry
++++++++++Cd
0..1
Issr
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++RmtInf
++++++Strd
+++++++CdtrRefInf
++++++++Tp
+++++++++Issr
Ref
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++RmtInf
++++++Strd
+++++++CdtrRefInf
++++++++Ref
UltmtDbtr
Acceptable Codes
SCOR
Name
Issuer
Typ
Max35Text
Length
1 .. 35
Pattern
\S+.*
WhiteSpace collapse
Name
Typ
Length
Pattern
WhiteSpace
Reference
Max35Text
1 .. 35
\S+.*
collapse
Name
Ultimate Debtor
Ultimate debtor. All sub-elements from the
original payment are supported.
page 16 of 52
camt.056.001.01SCT
Status
Element/Attribut
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
Nm
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Nm
Id
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
OrgId
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++OrgId
0..1
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
Typ
Reference Party)
(AT-09 Identification Code of the
Originator
Reference Party)
Name
Typ
Length
Pattern
WhiteSpace
Name
Max70Text
1 .. 70
\S+.*
collapse
Name of the ultimate debtor.
Name
Typ
Identification
SCLSCTParty6Choice
Identification of the ultimate debtor.
Name
Typ
Name
BIC Or BEI
page 17 of 52
camt.056.001.01SCT
Status
Element/Attribut
BICOrBEI
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++OrgId
++++++++BICOrBEI
Othr
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++OrgId
++++++++Othr
Id
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++Id
SchmeNm
Format
Typ
Pattern
AnyBICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
Name
Typ
Other
Name
Typ
Length
Pattern
WhiteSpace
Identification
Max35Text
1 .. 35
\S+.*
collapse
Name
Scheme Name
EPC references
(if available)
Content and checks
SEPA-Clearer
page 18 of 52
camt.056.001.01SCT
Status
Element/Attribut
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++SchmeNm
Cd
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++SchmeNm
++++++++++Cd
Prtry
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++SchmeNm
Format
Typ
ice
Name
Typ
Length
Pattern
WhiteSpace
Code
1 .. 4
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Proprietary
Max35Text
1 .. 35
\S+.*
collapse
EPC references
(if available)
Content and checks
SEPA-Clearer
page 19 of 52
camt.056.001.01SCT
Status
Element/Attribut
0..1
++++++++++Prtry
Issr
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++Issr
PrvtId
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
DtAndPlcOfBirth
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
++++++++DtAndPlcOfBirth
BirthDt
Format
Name
Typ
Length
Pattern
WhiteSpace
Issuer
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Name
Typ
Date And Place Of Birth
DateAndPlaceOfBirth
Name
Birth Date
EPC references
(if available)
Content and checks
SEPA-Clearer
page 20 of 52
camt.056.001.01SCT
Status
Element/Attribut
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
+++++++++BirthDt
PrvcOfBirth
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
+++++++++PrvcOfBirth
CityOfBirth
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
+++++++++CityOfBirth
Format
Typ
Pattern
ISODate
[0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
Name
Typ
Length
Pattern
WhiteSpace
Province Of Birth
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
City Of Birth
Max35Text
1 .. 35
\S+.*
collapse
EPC references
(if available)
Content and checks
SEPA-Clearer
page 21 of 52
camt.056.001.01SCT
Status
Element/Attribut
1..1
CtryOfBirth
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
+++++++++CtryOfBirth
Othr
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
++++++++Othr
Id
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++Id
Format
Name
Typ
Pattern
Country Of Birth
CountryCode
[A-Z]{2,2}
Name
Typ
Other
Name
Typ
Length
Pattern
WhiteSpace
Identification
Max35Text
1 .. 35
\S+.*
collapse
EPC references
(if available)
Content and checks
SEPA-Clearer
page 22 of 52
camt.056.001.01SCT
Status
Element/Attribut
0..1
SchmeNm
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++SchmeNm
Cd
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++SchmeNm
++++++++++Cd
Prtry
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
Format
Name
Typ
Scheme Name
Name
Typ
Length
Pattern
WhiteSpace
Code
1 .. 4
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Proprietary
Max35Text
1 .. 35
\S+.*
collapse
EPC references
(if available)
Content and checks
SEPA-Clearer
page 23 of 52
camt.056.001.01SCT
Status
Element/Attribut
0..1
++++++++Othr
+++++++++SchmeNm
++++++++++Prtry
Issr
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++Issr
Dbtr
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
Nm
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Nm
PstlAdr
Document
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
Name
Typ
Length
Pattern
WhiteSpace
Issuer
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Debtor
Name
Typ
Length
Pattern
WhiteSpace
Name
Max70Text
1 .. 70
\S+.*
collapse
Name of payer
Name
Typ
Postal Address
Postal address of payer
(AT-02 Name of the Originator Mandatory)
(AT-10 Originator’s Identification
Code)
Debtor. All sub-elements from the original
payment are supported
page 24 of 52
camt.056.001.01SCT
Status
Element/Attribut
0..1
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++PstlAdr
Ctry
0..2
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++PstlAdr
+++++++Ctry
AdrLine
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++PstlAdr
+++++++AdrLine
Id
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
Format
Name
Typ
Pattern
Country
CountryCode
[A-Z]{2,2}
Name
Typ
Length
Pattern
WhiteSpace
Address Line
Max70Text
1 .. 70
\S+.*
collapse
Name
Typ
Identification
SCLSCTParty6Choice
EPC references
(if available)
Content and checks
SEPA-Clearer
page 25 of 52
camt.056.001.01SCT
Status
Element/Attribut
1..1
OrgId
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++OrgId
BICOrBEI
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++OrgId
++++++++BICOrBEI
Othr
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++OrgId
++++++++Othr
Id
Document
+FIToFIPmtCxlReq
Format
Name
Typ
Name
Typ
Pattern
BIC Or BEI
AnyBICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
Name
Typ
Other
Name
Typ
Length
Identification
Max35Text
1 .. 35
EPC references
(if available)
Content and checks
SEPA-Clearer
page 26 of 52
camt.056.001.01SCT
Status
Element/Attribut
0..1
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++Id
SchmeNm
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++SchmeNm
Cd
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++SchmeNm
++++++++++Cd
Prtry
Format
Pattern
WhiteSpace
\S+.*
collapse
Name
Typ
Scheme Name
ice
Name
Typ
Length
Pattern
WhiteSpace
Code
1 .. 4
\S+.*
collapse
Name
Typ
Proprietary
Max35Text
EPC references
(if available)
Content and checks
SEPA-Clearer
page 27 of 52
camt.056.001.01SCT
Status
Element/Attribut
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++SchmeNm
++++++++++Prtry
Issr
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++Issr
PrvtId
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
DtAndPlcOfBirth
Format
Length
Pattern
WhiteSpace
1 .. 35
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Issuer
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Name
Typ
DateAndPlaceOfBirth
EPC references
(if available)
Content and checks
SEPA-Clearer
page 28 of 52
camt.056.001.01SCT
Status
Element/Attribut
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
BirthDt
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
+++++++++BirthDt
PrvcOfBirth
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
CityOfBirth
Format
Name
Typ
Pattern
Birth Date
ISODate
[0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
Name
Typ
Length
Pattern
WhiteSpace
Province Of Birth
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
City Of Birth
Max35Text
EPC references
(if available)
Content and checks
SEPA-Clearer
page 29 of 52
camt.056.001.01SCT
Status
Element/Attribut
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
CtryOfBirth
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
Othr
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
++++++++Othr
Id
Format
Length
Pattern
WhiteSpace
1 .. 35
\S+.*
collapse
Name
Typ
Pattern
Country Of Birth
CountryCode
[A-Z]{2,2}
Name
Typ
Other
Name
Typ
Identification
Max35Text
EPC references
(if available)
Content and checks
SEPA-Clearer
page 30 of 52
camt.056.001.01SCT
Status
Element/Attribut
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++Id
SchmeNm
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++SchmeNm
Cd
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++SchmeNm
++++++++++Cd
Format
Length
Pattern
WhiteSpace
1 .. 35
\S+.*
collapse
Name
Typ
Scheme Name
Name
Typ
Length
Pattern
WhiteSpace
Code
1 .. 4
\S+.*
collapse
EPC references
(if available)
Content and checks
SEPA-Clearer
page 31 of 52
camt.056.001.01SCT
Status
Element/Attribut
1..1
Prtry
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++SchmeNm
++++++++++Prtry
Issr
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++Issr
DbtrAcct
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++DbtrAcct
Id
Document
Format
Name
Typ
Length
Pattern
WhiteSpace
Proprietary
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Issuer
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Debtor Account
SCLSCTCashAccount16
Name
Typ
Identification
EPC references
(if available)
(AT-01 Account number of the
Originator)
Content and checks
SEPA-Clearer
Account of payer
page 32 of 52
camt.056.001.01SCT
Status
Element/Attribut
1..1
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++DbtrAcct
++++++Id
IBAN
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++DbtrAcct
++++++Id
+++++++IBAN
DbtrAgt
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++DbtrAgt
FinInstnId
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++DbtrAgt
++++++FinInstnId
BIC
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
Name
Typ
Pattern
IBAN
IBAN2007Identifier
[A-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,30}
IBAN of payer
Name
Typ
Debtor Agent
(AT-06 BIC of the Originator Bank)
cation4
Payment service provider of the payer
Name
Typ
Name
Typ
BIC
BICIdentifier
BIC according to original payment.
Validity of BIC using SCLdirectory. Error code:
XT27.
page 33 of 52
camt.056.001.01SCT
Status
Element/Attribut
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++DbtrAgt
++++++FinInstnId
+++++++BIC
1..1
CdtrAgt
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++CdtrAgt
FinInstnId
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++CdtrAgt
Format
Pattern
EPC references
(if available)
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
Content and checks
SEPA-Clearer
Error code: PY01
Name
Typ
Creditor Agent
cation4
Name
Typ
The original debtor agent BIC is part of the
duplication check at the single record level.
Payment service provider of the creditor
page 34 of 52
camt.056.001.01SCT
Status
1..1
Element/Attribut
++++++FinInstnId
BIC
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++CdtrAgt
++++++FinInstnId
+++++++BIC
1..1
Cdtr
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Cdtr
Nm
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Cdtr
Format
Name
Typ
Pattern
EPC references
(if available)
BIC
BICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
Name
Typ
Creditor
Name
Typ
Length
Pattern
WhiteSpace
Name
Max70Text
1 .. 70
\S+.*
collapse
Content and checks
SEPA-Clearer
BIC according to original payment. Validity of
BIC using SCL-Directory. Error code: XT27
(AT-21 Name of the Beneficiary –
Mandatory)
Code)
Error code: PY01
Creditor. All sub-elements from the original
payment are supported.
Name of creditor
page 35 of 52
camt.056.001.01SCT
Status
Element/Attribut
0..1
++++++Nm
PstlAdr
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Cdtr
++++++PstlAdr
Ctry
0..2
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Cdtr
++++++PstlAdr
+++++++Ctry
AdrLine
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Cdtr
++++++PstlAdr
+++++++AdrLine
Id
Document
+FIToFIPmtCxlReq
++Undrlyg
Format
Name
Typ
Postal Address
Name
Typ
Pattern
Country
CountryCode
[A-Z]{2,2}
Name
Typ
Length
Pattern
WhiteSpace
Address Line
Max70Text
1 .. 70
\S+.*
collapse
Name
Typ
Identification
SCLSCTParty6Choice
EPC references
(if available)
Content and checks
SEPA-Clearer
Address of creditor
page 36 of 52
camt.056.001.01SCT
Status
Element/Attribut
1..1
+++TxInf
++++OrgnlTxRef
+++++Cdtr
++++++Id
OrgId
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++OrgId
BICOrBEI
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++OrgId
++++++++BICOrBEI
Othr
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++OrgId
Format
Name
Typ
OrganisationIdentification
Name
Typ
Pattern
BICOrBEI
AnyBICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
Name
Typ
Other
EPC references
(if available)
Content and checks
SEPA-Clearer
page 37 of 52
camt.056.001.01SCT
Status
Element/Attribut
1..1
++++++++Othr
Id
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++Id
SchmeNm
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++SchmeNm
Cd
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++OrgId
Format
Name
Typ
Length
Pattern
WhiteSpace
Identification
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
SchemeName
ice
Name
Typ
Length
Pattern
WhiteSpace
Code
1 .. 4
\S+.*
collapse
EPC references
(if available)
Content and checks
SEPA-Clearer
page 38 of 52
camt.056.001.01SCT
Status
Element/Attribut
1..1
++++++++Othr
+++++++++SchmeNm
++++++++++Cd
Prtry
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++SchmeNm
++++++++++Prtry
Issr
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++Issr
PrvtId
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
Format
Name
Typ
Length
Pattern
WhiteSpace
Proprietary
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Issuer
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
PrivateIdentification
EPC references
(if available)
Content and checks
SEPA-Clearer
page 39 of 52
camt.056.001.01SCT
Status
Element/Attribut
0..1
+++++Cdtr
++++++Id
+++++++PrvtId
DtAndPlcOfBirth
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++PrvtId
BirthDt
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++PrvtId
+++++++++BirthDt
PrvcOfBirth
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Cdtr
++++++Id
Format
Name
Typ
DateAndPlaceOfBirth
DateAndPlaceOfBirth
Name
Typ
Pattern
BirthDate
ISODate
[0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
Name
Typ
Length
Pattern
WhiteSpace
ProvinceOfBirth
Max35Text
1 .. 35
\S+.*
collapse
EPC references
(if available)
Content and checks
SEPA-Clearer
page 40 of 52
camt.056.001.01SCT
Status
Element/Attribut
1..1
+++++++PrvtId
CityOfBirth
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++PrvtId
CtryOfBirth
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++PrvtId
Othr
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Cdtr
Format
Name
Typ
Length
Pattern
WhiteSpace
CityOfBirth
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Pattern
CountryOfBirth
CountryCode
[A-Z]{2,2}
Name
Typ
Other
EPC references
(if available)
Content and checks
SEPA-Clearer
page 41 of 52
camt.056.001.01SCT
Status
Element/Attribut
1..1
++++++Id
+++++++PrvtId
++++++++Othr
Id
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++Id
SchmeNm
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++SchmeNm
Cd
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Cdtr
Format
Name
Typ
Length
Pattern
WhiteSpace
Identification
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
SchemeName
Name
Typ
Length
Pattern
WhiteSpace
Code
1 .. 4
\S+.*
collapse
EPC references
(if available)
Content and checks
SEPA-Clearer
page 42 of 52
camt.056.001.01SCT
Status
Element/Attribut
1..1
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++SchmeNm
++++++++++Cd
Prtry
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++SchmeNm
++++++++++Prtry
Issr
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++Issr
CdtrAcct
Document
+FIToFIPmtCxlReq
++Undrlyg
Format
Name
Typ
Length
Pattern
WhiteSpace
Proprietary
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Issuer
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Creditor Account
SCLSCTCashAccount16
EPC references
(if available)
Content and checks
SEPA-Clearer
Account of the creditor
page 43 of 52
camt.056.001.01SCT
Status
Element/Attribut
1..1
+++TxInf
++++OrgnlTxRef
+++++CdtrAcct
Id
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++CdtrAcct
++++++Id
IBAN
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++CdtrAcct
++++++Id
+++++++IBAN
UltmtCdtr
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
Nm
Document
+FIToFIPmtCxlReq
++Undrlyg
Format
Name
Typ
Identification
Name
Typ
Pattern
IBAN
IBAN2007Identifier
[A-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,30}
Name
Typ
Ultimate Creditor
Name
Typ
Length
Pattern
WhiteSpace
Name
Max70Text
1 .. 70
\S+.*
collapse
EPC references
(if available)
Content and checks
SEPA-Clearer
Reference Party)
Beneficiary
Reference Party)
Ultimate creditor All sub-elements from the
page 44 of 52
camt.056.001.01SCT
Status
Element/Attribut
0..1
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Nm
Id
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
OrgId
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++OrgId
BICOrBEI
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++OrgId
++++++++BICOrBEI
Othr
Format
Name
Typ
Identification
SCLSCTParty6Choice
Name
Typ
Name
Typ
Pattern
BIC Or BEI
AnyBICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
Name
Other
EPC references
(if available)
Content and checks
SEPA-Clearer
page 45 of 52
camt.056.001.01SCT
Status
Element/Attribut
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++OrgId
++++++++Othr
Id
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++Id
SchmeNm
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++SchmeNm
Cd
Format
Typ
Name
Typ
Length
Pattern
WhiteSpace
Identification
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Scheme Name
ice
Name
Code
EPC references
(if available)
Content and checks
SEPA-Clearer
page 46 of 52
camt.056.001.01SCT
Status
Element/Attribut
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++SchmeNm
++++++++++Cd
Prtry
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++SchmeNm
++++++++++Prtry
Issr
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++OrgId
++++++++Othr
Format
Typ
Length
Pattern
WhiteSpace
1 .. 4
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Proprietary
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Issuer
Max35Text
1 .. 35
\S+.*
collapse
EPC references
(if available)
Content and checks
SEPA-Clearer
page 47 of 52
camt.056.001.01SCT
Status
Element/Attribut
1..1
+++++++++Issr
PrvtId
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++PrvtId
DtAndPlcOfBirth
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++PrvtId
BirthDt
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++PrvtId
+++++++++BirthDt
PrvcOfBirth
Format
Name
Typ
Name
Typ
DateAndPlaceOfBirth
Name
Typ
Pattern
Birth Date
ISODate
[0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
Name
Province Of Birth
EPC references
(if available)
Content and checks
SEPA-Clearer
page 48 of 52
camt.056.001.01SCT
Status
Element/Attribut
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++PrvtId
CityOfBirth
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++PrvtId
CtryOfBirth
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++PrvtId
Format
Typ
Length
Pattern
WhiteSpace
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
City Of Birth
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Pattern
Country Of Birth
CountryCode
[A-Z]{2,2}
EPC references
(if available)
Content and checks
SEPA-Clearer
page 49 of 52
camt.056.001.01SCT
Status
Element/Attribut
0..1
Othr
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++PrvtId
++++++++Othr
Id
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++Id
SchmeNm
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++SchmeNm
Format
Name
Typ
Other
Name
Typ
Length
Pattern
WhiteSpace
Identification
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Scheme Name
EPC references
(if available)
Content and checks
SEPA-Clearer
page 50 of 52
camt.056.001.01SCT
Status
Element/Attribut
1..1
Cd
1..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++SchmeNm
++++++++++Cd
Prtry
0..1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++SchmeNm
++++++++++Prtry
Issr
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
Format
Name
Typ
Length
Pattern
WhiteSpace
Code
1 .. 4
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Proprietary
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Issuer
Max35Text
1 .. 35
\S+.*
collapse
EPC references
(if available)
Content and checks
SEPA-Clearer
page 51 of 52
camt.056.001.01SCT
Status
Element/Attribut
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
+++++++PrvtId
++++++++Othr
+++++++++Issr
page 52 of 52
SCT Interbank Negative Answer to a Recall of a Credit Transfer Dataset (DS-06) – camt.029.001.03
Memo
SEPA Credit Transfer – Interbank Negative Answer to a Recall of a Credit Transfer Dataset (DS-06)
SCT annex 9 of appendix “SCT/SCL technical specifications“ - camt.029.001.03
page 1 of 2
SCT Interbank Negative Answer to a Recall of a Credit Transfer Dataset (DS-06) – camt.029.001.03
Use of the Interbank Negative Answer to a Recall of a Credit Transfer Dataset (camt.029.001.03)
This message is used in the SCT service of the SEPA-Clearer in order for the creditor to actively respond to the interbank Recall of
Credit Transfer Dataset (camt.056.001.01) – after the funds have been credited.
Pursuant to the rulebook, this response can take the form of a return or "negative" response within ten business days of receipt of the
recall. This deadline is not validated in the SEPA-Clearer or other CSM.
If the creditor does not wish to return the recalled payment using a Return (pacs.004.001.02), he has the option of communicating the
reason for this to the party initiating the recall using message camt.029.001.03, stating a <Reason Code> (ISO code or proprietary
code).
The message camt.029.001.03 is not bookkeeping-relevant and merely represents a “negative information” to the party requesting the
recall.
The SEPA-Clearer carries out a duplication check but does not carry out a cross reference checking. This means, for example, that no
check is made as to whether a negative response refers to a previously submitted recall or whether any reaction in the form of a
negative response or return transfer has been made at all.
The message is a component of the Input Credit File (ICF) on the submitter side and a component of the settled credit file (SCF) on
the delivery side.
A Interbank Negative Answer to a Recall of a Credit Transfer Dataset contains:



a single “Assignment” (group header in pacs messages)
a “Status”
“Cancellation Details” containing one or more “transaction information and status” sequences, each of which contains the
transaction details of the individual underlying transfer (pacs.008.001.02) as well as a <Reason Code> for the non-acceptance
of the recall.
Group header
The “assignment” contains information required to process the entire message.
SCT annex 9 of appendix “SCT/SCL technical specifications“ - camt.029.001.03
page 2 of 2
camt.029.001.03
Message structure
Status
Element/Attribut
Document
1..1
Document
RsltnOfInvstgtn
1..1
Document
+RsltnOfInvstgtn
Assgnmt
Document
+RsltnOfInvstgtn
++Assgnmt
1..1
Id
Document
+RsltnOfInvstgtn
++Assgnmt
+++Id
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
Typ
Document
Name
Typ
Resolution Of Investigation
SCLSCTResolutionOfInvestigationV03
Name
Typ
Assignment
CaseAssignment2
The assignment contains information which is
relevant for the entire message.
Name
Typ
Pattern
Identification
SCLSCTId7
([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35}
Identification of the bulk.
Part of duplication check (unique daily
reference).
Error code: B14
The first 8 or 11 characters of Id must match the
BIC of the Assigner in ICF.
Error code: B9
1..1
Assgnr
Document
+RsltnOfInvstgtn
++Assgnmt
+++Assgnr
1..1
Agt
Document
Name
Typ
Assigner
SCLSCTParty7Choice
Name
Typ
Agent
Instructing Party
BIC.
camt.029.001.03; SCL SCT
page 1 of 51
camt.029.001.03
Status
Element/Attribut
1..1
+RsltnOfInvstgtn
++Assgnmt
+++Assgnr
++++Agt
FinInstnId
1..1
Document
+RsltnOfInvstgtn
++Assgnmt
+++Assgnr
++++Agt
+++++FinInstnId
BIC
1..1
Document
+RsltnOfInvstgtn
++Assgnmt
+++Assgnr
++++Agt
+++++FinInstnId
++++++BIC
Assgne
Document
+RsltnOfInvstgtn
++Assgnmt
+++Assgne
1..1
Agt
Document
+RsltnOfInvstgtn
++Assgnmt
+++Assgne
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
cation4
Name
Typ
FinancialInstitutionIdentification
Name
Typ
Pattern
BIC
BICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
ICF: To be completed with the BIC of the
submitter.
BIC has been authorised to make submissions
(Check against the SCL-Directory).
Error code: B12
SCF: For deliveries from the SCL
"MARKDEFF".SCL..
Name
Typ
Assignee
SCLSCTParty7Choice
Name
Typ
Agent
cation4
Instructed Party
BIC.
page 2 of 51
camt.029.001.03
Status
Element/Attribut
1..1
++++Agt
FinInstnId
1..1
Document
+RsltnOfInvstgtn
++Assgnmt
+++Assgne
++++Agt
+++++FinInstnId
BIC
1..1
Document
+RsltnOfInvstgtn
++Assgnmt
+++Assgne
++++Agt
+++++FinInstnId
++++++BIC
CreDtTm
1..1
Document
+RsltnOfInvstgtn
++Assgnmt
+++CreDtTm
Sts
1..1
Document
+RsltnOfInvstgtn
++Sts
Conf
Document
+RsltnOfInvstgtn
++Sts
+++Conf
Format
Name
Typ
Name
Typ
Pattern
BIC
BICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
EPC references
(if available)
Content and checks
SEPA-Clearer
ICF: To be completed with “MARKDEFF” for
submissions to the SCL. BIC must be completed
correctly. Error code: B12
SCF: To be completed with the BIC of the
creditor for delivery from the SCL.
Name
Typ
Pattern
Creation Date Time
ISODateTime
[0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}[T][0-9]{2,2}:
[0-9]{2,2}:[0-9]{2,2}[\S]*
Name
Typ
Status
SCLSCTInvestigationStatus2Choice
Name
Typ
Confirmation
Usage Rule: Only RJCR is allowed. Only “RJCR” is allowed (Schema validation)
SCLSCTInvestigationExecutionConfirmation3
Code
Usage Rule: Only ‘Confirmation’ is
allowed
Status of the negative response (= rejection of
cancellation request)
page 3 of 51
camt.029.001.03
Status
Element/Attribut
1..1
CxlDtls
1..n
Document
+RsltnOfInvstgtn
++CxlDtls
TxInfAndSts
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
CxlStsId
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++CxlStsId
OrgnlGrpInf
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlGrpInf
OrgnlMsgId
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlGrpInf
Format
Acceptable Codes
RJCR
Name
Cancellation Details
Typ
SCLSCTUnderlyingTransaction3
EPC references
(if available)
Content and checks
SEPA-Clearer
Mandatory
Detailed information regarding the negative
response to the recall.
Name
Typ
TransactionInformationAndStatus
Mandatory
Total number of single transactions in the bulk
must not exceed 100,000 (maximum parameter
of data records in the file).
Error code: B02
Name
Typ
Pattern
Cancellation Status Identification
SCLSCTId7
([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35}
Mandatory
Reference of the credit institution refusing the
cancellation.
Cancellation Status Id is part of the duplication
check at single record level.
Error code: AM05
Name
Typ
OriginalGroupInformation
OriginalGroupInformation3
Mandatory
Remark: This element and its
sub-elements refer to
the original ‘pacs008.001.02’
message
The data of this element as well as its
sub-elements refer to the information in the recall
to be responded to (camt.056), which in turn
refers to the original payment (pacs.008).
Name
Typ
Pattern
SCLSCTId7
([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35}
Message Id (<MsgId>) of the original bulk
containing the underlying transfer.
page 4 of 51
camt.029.001.03
Status
Element/Attribut
1..1
+++++OrgnlMsgId
OrgnlMsgNmId
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlGrpInf
+++++OrgnlMsgNmId
OrgnlInstrId
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlInstrId
OrgnlEndToEndId
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlEndToEndId
OrgnlTxId
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxId
TxCxlSts
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
Name
Typ
Pattern
SCLSCTOrgnlMsgNmId
pacs\.008[A-Za-z0-9\.]{0,27}
PACS\.008[A-Za-z0-9\.]{0,27}
Usage Rule: Only ‘pacs.008.001.02’ Usage rule: may be completed with “pacs.008”
is allowed.
or “PACS.008”, where necessary with additional
further characters in accordance with schema
validation.
Name
Typ
Pattern
OriginalInstructionIdentification
SCLSCTId7
([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35}
Name
Typ
Length
Pattern
WhiteSpace
Max35Text
1 .. 35
\S+.*
collapse
Mandatory
End to End Id of original payment
(AT-41 Originator’s reference of the
Name
Typ
Pattern
SCLSCTId7
([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35}
Mandatory
(AT-43 Originator Bank’s reference
Transaction Id of original payment
Name
Typ
Transaction Cancellation Status
SCLSCTCancellationIndividualStatus1Code
Usage Rule: Only ‘RJCR’ is
allowed
Only “RJCR” is allowed (Schema validation)
The “Original Instruction Id” of the bulk
containing the underlying transfer. Only given if it
already existed in the original transfer.
page 5 of 51
camt.029.001.03
Status
Element/Attribut
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
++++TxCxlSts
1..1
CxlStsRsnInf
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++CxlStsRsnInf
Orgtr
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++CxlStsRsnInf
+++++Orgtr
Nm
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++CxlStsRsnInf
+++++Orgtr
++++++Nm
1..1
Id
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++CxlStsRsnInf
+++++Orgtr
Acceptable Codes
RJCR
Name
Cancellation Status Reason Information
Mandatory
Typ
SCLSCTCancellationStatusReasonInformatio
n1
Mandatory (AT-R2 Identification of
institution.
Reason for negative response
Name
Typ
Originator
Institution issuing the negative response.
Name
Typ
Length
Pattern
WhiteSpace
Name
Max70Text
1 .. 70
\S+.*
collapse
Name of the institution issuing the negative
response
Name
Typ
Identification
SCLSCTParty6Choice
ID of the institution issuing the negative
response
page 6 of 51
camt.029.001.03
Status
Element/Attribut
1..1
++++++Id
OrgId
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++CxlStsRsnInf
+++++Orgtr
++++++Id
+++++++OrgId
BICOrBEI
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++CxlStsRsnInf
+++++Orgtr
++++++Id
+++++++OrgId
++++++++BICOrBEI
Rsn
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++CxlStsRsnInf
+++++Rsn
Cd
Document
+RsltnOfInvstgtn
++CxlDtls
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
Name
Typ
Name
Typ
Pattern
BICOrBEI
AnyBICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
Name
Typ
Reason
CancellationStatusReason1Choice
Mandatory (AT-R6 Reason Code
for non-acceptance of the Recall)
Reason for negative response
Name
Typ
Code
PaymentCancellationRejection1Code
See Message Element
Specifications.
ISO codes for the rejection reason
(Schema validation)
page 7 of 51
camt.029.001.03
Status
Element/Attribut
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
+++TxInfAndSts
++++CxlStsRsnInf
+++++Rsn
++++++Cd
1..1
Prtry
0..2
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++CxlStsRsnInf
+++++Rsn
++++++Prtry
AddtlInf
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++CxlStsRsnInf
+++++AddtlInf
Assgnr
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++Assgnr
Agt
Document
+RsltnOfInvstgtn
++CxlDtls
Acceptable Codes
CUST
LEGL
Name
Proprietary
Typ
Max35Text
Length
1 .. 35
Pattern
\S+.*
WhiteSpace collapse
See Message Element
Permitted codes: AC04, AM04, NOAS, NOOR.
Until further notice the code ARDT may also be
used to show that the payment has already been
returned (= not a valid ISO code at present).
No technical or schema validation.
Name
Typ
Length
Pattern
WhiteSpace
Max105Text
1 .. 105
\S+.*
collapse
Usage Rule: To be used only when
code is ‘LEGL’ in order to precise
the reason.
Usage Rule: Only two occurrences
are allowed
To be completed only when the reason code
contains “LEGL”.
Error code: XT13
Name
Typ
Assigner
SCLSCTParty7Choice
Name
Typ
Agent
cation4
page 8 of 51
camt.029.001.03
Status
Element/Attribut
1..1
+++TxInfAndSts
++++Assgnr
+++++Agt
FinInstnId
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++Assgnr
+++++Agt
++++++FinInstnId
BIC
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++Assgnr
+++++Agt
++++++FinInstnId
+++++++BIC
OrgnlTxRef
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
1..1
IntrBkSttlmAmt
Format
Name
Typ
Name
Typ
Pattern
BIC
BICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
Name
Typ
SCLSCTOriginalTransactionReference13
Name
EPC references
(if available)
Content and checks
SEPA-Clearer
ICF: must not be completed for submission. Error
code: XT13
SCF: for delivery from SCL completed with the
BIC of the original submitter of the bulk
containing the underlying transfer.
Mandatory
(an exact copy of all attributes of
the initially sent
DS-02 which is to be cancelled)
Usage Rule: The yellow shaded
message elements under ‘Original
Transaction Reference’ must be
populated with the
same value as the message
elements of the original
instruction as defined within the
following elements.
Original amount of the original credit
transfer.
page 9 of 51
camt.029.001.03
Status
Element/Attribut
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++IntrBkSttlmAmt
Format
Typ
FractionDigits
TotalDigits
Inclusive
Pattern
2
18
0.01
.. 999999999.99
[0-9]{0,15}([\.]([0-9]{0,2})){0,1}
EPC references
(if available)
Transfer in Euro)
Content and checks
SEPA-Clearer
Only ‘EUR’ is permitted as the
currency designation. (Schema
validation)
A maximum of two decimal places is
permitted in accordance with the
convention for the euro. (Schema
validation)
Amount must be at least 0.01 but no
more than 999999999. (Schema
validation)
required
Attribute:
1..1
IntrBkSttlmDt
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++IntrBkSttlmDt
SttlmInf
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++SttlmInf
SttlmMtd
Ccy
Document
+RsltnOfInvstgtn
++CxlDtls
Typ
SCLSCTCurrencyCode
Use
required
Acceptable Codes
EUR
Name
InterbankSettlementDate
Typ
ISODate
Pattern
[0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
Credit Transfer)
Entry according to original payment.
Name
Typ
SettlementInformation
Name
Typ
SettlementMethod
Only “CLRG” is allowed
( Schema validation)
page 10 of 51
camt.029.001.03
Status
Element/Attribut
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
+++TxInfAndSts
++++OrgnlTxRef
+++++SttlmInf
++++++SttlmMtd
1..1
ClrSys
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++SttlmInf
++++++ClrSys
Prtry
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++SttlmInf
++++++ClrSys
+++++++Prtry
1..1
PmtTpInf
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++PmtTpInf
Acceptable Codes
CLRG
Typ
e
Typ
Length
Pattern
WhiteSpace
SCLSCTMax35Text_SCL
1 .. 35
\S+.*
collapse
Acceptable Codes
SCL
Name
Typ
Only “SCL” is allowed (Schema validation)
Scheme)
(AT-45 Category Purpose of the
Credit Transfer)
Payment type information
page 11 of 51
camt.029.001.03
Status
Element/Attribut
1..1
SvcLvl
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++PmtTpInf
++++++SvcLvl
Cd
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++PmtTpInf
++++++SvcLvl
+++++++Cd
0..1
LclInstrm
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++PmtTpInf
++++++LclInstrm
Cd
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
Format
Name
Typ
ServiceLevel
Name
Typ
Code
EPC references
(if available)
Content and checks
SEPA-Clearer
Only “SEPA” is allowed (Schema validation)
Acceptable Codes
SEPA
Name
LocalInstrument
Typ
Name
Typ
Length
WhiteSpace
Code
1 .. 35
collapse
page 12 of 51
camt.029.001.03
Status
Element/Attribut
1..1
++++OrgnlTxRef
+++++PmtTpInf
++++++LclInstrm
+++++++Cd
Prtry
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++PmtTpInf
++++++LclInstrm
+++++++Prtry
CtgyPurp
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++PmtTpInf
++++++CtgyPurp
Cd
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++PmtTpInf
++++++CtgyPurp
+++++++Cd
Prtry
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
Name
Typ
Pattern
Proprietary
SCLSCTId8
([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|'|\s]){1,35}
Name
Typ
Category Purpose
Encrypted remittance information
Name
Typ
Length
Pattern
WhiteSpace
Code
1 .. 4
\S+.*
collapse
Name
Typ
Proprietary
Max35Text
page 13 of 51
camt.029.001.03
Status
Element/Attribut
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++PmtTpInf
++++++CtgyPurp
+++++++Prtry
RmtInf
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++RmtInf
Ustrd
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++RmtInf
++++++Ustrd
Strd
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++RmtInf
++++++Strd
CdtrRefInf
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
Length
Pattern
WhiteSpace
1 .. 35
\S+.*
collapse
Name
Typ
Name
Typ
Length
Pattern
WhiteSpace
Unstructured
Max140Text
1 .. 140
\S+.*
collapse
Unstructured remittance information Entry
according to original payment.
Name
Typ
Structured
Structured remittance information Entry
according to original payment.
Name
Creditor reference information
Unstructured or structured remittance
information
page 14 of 51
camt.029.001.03
Status
Element/Attribut
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++RmtInf
++++++Strd
+++++++CdtrRefInf
Tp
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++RmtInf
++++++Strd
+++++++CdtrRefInf
++++++++Tp
CdOrPrtry
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++RmtInf
++++++Strd
+++++++CdtrRefInf
++++++++Tp
+++++++++CdOrPrtry
Cd
Document
+RsltnOfInvstgtn
Format
Typ
CreditorReferenceInformation2
Name
Typ
Type
CreditorReferenceType2
Name
Typ
CodeOrProprietary
CreditorReferenceType1Choice
Name
Typ
Code
EPC references
(if available)
Content and checks
SEPA-Clearer
Code for the creditor reference.
Only “SCOR” is allowed
(Schema validation)
page 15 of 51
camt.029.001.03
Status
Element/Attribut
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++RmtInf
++++++Strd
+++++++CdtrRefInf
++++++++Tp
+++++++++CdOrPrtry
++++++++++Cd
0..1
Issr
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++RmtInf
++++++Strd
+++++++CdtrRefInf
++++++++Tp
+++++++++Issr
Ref
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++RmtInf
++++++Strd
+++++++CdtrRefInf
++++++++Ref
UltmtDbtr
Acceptable Codes
SCOR
Name
Issuer
Typ
Max35Text
Length
1 .. 35
Pattern
\S+.*
WhiteSpace collapse
Name
Typ
Length
Pattern
WhiteSpace
Reference
Max35Text
1 .. 35
\S+.*
collapse
Name
UltimateDebtor
Name of the ultimate debtor
page 16 of 51
camt.029.001.03
Status
0..1
Element/Attribut
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtDbtr
Nm
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtDbtr
++++++Nm
0..1
Id
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
OrgId
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++OrgId
0..1
Format
Typ
Name
Typ
Length
Pattern
WhiteSpace
Name
Max70Text
1 .. 70
\S+.*
collapse
Name
Typ
Identification
SCLSCTParty6Choice2
Name
Typ
Name
BICOrBEI
EPC references
(if available)
Reference Party)
Content and checks
SEPA-Clearer
.
Identification of the ultimate payer
page 17 of 51
camt.029.001.03
Status
Element/Attribut
BICOrBEI
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++OrgId
++++++++BICOrBEI
Othr
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++OrgId
++++++++Othr
1..1
Id
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++Id
SchmeNm
Format
Typ
Pattern
AnyBICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
Name
Typ
Other
Name
Typ
Length
Pattern
WhiteSpace
Identification
Max35Text
1 .. 35
\S+.*
collapse
Name
SchemeName
EPC references
(if available)
Content and checks
SEPA-Clearer
page 18 of 51
camt.029.001.03
Status
Element/Attribut
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++SchmeNm
Cd
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++SchmeNm
++++++++++Cd
Prtry
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++SchmeNm
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
Typ
ice
Name
Typ
Length
Pattern
WhiteSpace
Code
1 .. 4
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Proprietary
Max35Text
1 .. 35
\S+.*
collapse
page 19 of 51
camt.029.001.03
Status
Element/Attribut
0..1
++++++++++Prtry
Issr
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++Issr
PrvtId
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
DtAndPlcOfBirth
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
BirthDt
Format
Name
Typ
Length
Pattern
WhiteSpace
Issuer
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
PrivateIdentification
Name
Typ
DateAndPlaceOfBirth
DateAndPlaceOfBirth
Name
BirthDate
EPC references
(if available)
Content and checks
SEPA-Clearer
page 20 of 51
camt.029.001.03
Status
Element/Attribut
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
+++++++++BirthDt
PrvcOfBirth
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
CityOfBirth
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
Typ
Pattern
ISODate
[0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
Name
Typ
Length
Pattern
WhiteSpace
ProvinceOfBirth
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
CityOfBirth
Max35Text
1 .. 35
\S+.*
collapse
page 21 of 51
camt.029.001.03
Status
Element/Attribut
1..1
CtryOfBirth
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
Othr
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
++++++++Othr
1..1
Id
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++Id
Format
Name
Typ
Pattern
CountryOfBirth
CountryCode
[A-Z]{2,2}
Name
Typ
Other
Name
Typ
Length
Pattern
WhiteSpace
Identification
Max35Text
1 .. 35
\S+.*
collapse
EPC references
(if available)
Content and checks
SEPA-Clearer
page 22 of 51
camt.029.001.03
Status
Element/Attribut
0..1
SchmeNm
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++SchmeNm
Cd
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++SchmeNm
++++++++++Cd
Prtry
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
Name
Typ
SchemeName
Name
Typ
Length
Pattern
WhiteSpace
Code
1 .. 4
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Proprietary
Max35Text
1 .. 35
\S+.*
collapse
page 23 of 51
camt.029.001.03
Status
Element/Attribut
0..1
++++++++Othr
+++++++++SchmeNm
++++++++++Prtry
Issr
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++Issr
Dbtr
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Dbtr
Nm
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Dbtr
++++++Nm
PstlAdr
Document
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
Name
Typ
Length
Pattern
WhiteSpace
Issuer
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Debtor
Name
Typ
Length
Pattern
WhiteSpace
Name
Max70Text
1 .. 70
\S+.*
collapse
Name of payer
Name
Typ
PostalAddress
Postal address of payer
(AT-02 Name of the Originator Mandatory)
(AT-10 Originator’s Identification
Code)
page 24 of 51
camt.029.001.03
Status
Element/Attribut
0..1
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Dbtr
++++++PstlAdr
Ctry
0..2
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Dbtr
++++++PstlAdr
+++++++Ctry
AdrLine
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Dbtr
++++++PstlAdr
+++++++AdrLine
0..1
Id
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Dbtr
++++++Id
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
Name
Typ
Pattern
Country
CountryCode
[A-Z]{2,2}
Name
Typ
Length
Pattern
WhiteSpace
Address Line
Max70Text
1 .. 70
\S+.*
collapse
Name
Typ
Identification
SCLSCTParty6Choice2
page 25 of 51
camt.029.001.03
Status
Element/Attribut
1..1
OrgId
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++OrgId
BICOrBEI
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++OrgId
++++++++BICOrBEI
Othr
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++OrgId
++++++++Othr
1..1
Id
Document
+RsltnOfInvstgtn
Format
Name
Typ
Name
Typ
Pattern
BICOrBEI
AnyBICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
Name
Typ
Other
Name
Typ
Length
Identification
Max35Text
1 .. 35
EPC references
(if available)
Content and checks
SEPA-Clearer
page 26 of 51
camt.029.001.03
Status
Element/Attribut
0..1
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++Id
SchmeNm
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++SchmeNm
Cd
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++SchmeNm
++++++++++Cd
Prtry
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
Pattern
WhiteSpace
\S+.*
collapse
Name
Typ
SchemeName
ice
Name
Typ
Length
Pattern
WhiteSpace
Code
1 .. 4
\S+.*
collapse
Name
Typ
Proprietary
Max35Text
page 27 of 51
camt.029.001.03
Status
Element/Attribut
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++SchmeNm
++++++++++Prtry
Issr
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++Issr
PrvtId
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
DtAndPlcOfBirth
Format
Length
Pattern
WhiteSpace
1 .. 35
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Issuer
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Name
Typ
DateAndPlaceOfBirth
EPC references
(if available)
Content and checks
SEPA-Clearer
page 28 of 51
camt.029.001.03
Status
Element/Attribut
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
BirthDt
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
+++++++++BirthDt
PrvcOfBirth
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
CityOfBirth
Format
Name
Typ
Pattern
Birth Date
ISODate
[0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
Name
Typ
Length
Pattern
WhiteSpace
Province Of Birth
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
City Of Birth
Max35Text
EPC references
(if available)
Content and checks
SEPA-Clearer
page 29 of 51
camt.029.001.03
Status
Element/Attribut
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
CtryOfBirth
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
Othr
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
++++++++Othr
1..1
Id
Format
Length
Pattern
WhiteSpace
1 .. 35
\S+.*
collapse
Name
Typ
Pattern
Country Of Birth
CountryCode
[A-Z]{2,2}
Name
Typ
Other
Name
Typ
Identification
Max35Text
EPC references
(if available)
Content and checks
SEPA-Clearer
page 30 of 51
camt.029.001.03
Status
Element/Attribut
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++Id
SchmeNm
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++SchmeNm
Cd
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++SchmeNm
++++++++++Cd
Format
Length
Pattern
WhiteSpace
1 .. 35
\S+.*
collapse
Name
Typ
Scheme Name
Name
Typ
Length
Pattern
WhiteSpace
Code
1 .. 4
\S+.*
collapse
EPC references
(if available)
Content and checks
SEPA-Clearer
page 31 of 51
camt.029.001.03
Status
Element/Attribut
1..1
Prtry
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++SchmeNm
++++++++++Prtry
Issr
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++Issr
DbtrAcct
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++DbtrAcct
1..1
Id
Document
Format
Name
Typ
Length
Pattern
WhiteSpace
Proprietary
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Issuer
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
DebtorAccount
SCLSCTCashAccount16
Name
Typ
Identification
EPC references
(if available)
(AT-01 Account number of the
Originator)
Content and checks
SEPA-Clearer
Payer’s account
page 32 of 51
camt.029.001.03
Status
Element/Attribut
1..1
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++DbtrAcct
++++++Id
IBAN
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++DbtrAcct
++++++Id
+++++++IBAN
DbtrAgt
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++DbtrAgt
FinInstnId
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++DbtrAgt
++++++FinInstnId
BIC
Format
EPC references
(if available)
Name
Typ
Pattern
IBAN
IBAN2007Identifier
[A-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,30}
Name
Typ
DebtorAgent
(AT-06 BIC of the Originator Bank)
cation4
Name
Typ
Name
Typ
BIC
BICIdentifier
Content and checks
SEPA-Clearer
IBAN oft he debtor
Entry according to original payment Validity of
BIC using SCL-Directory. Error code: XT27
page 33 of 51
camt.029.001.03
Status
Element/Attribut
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++DbtrAgt
++++++FinInstnId
+++++++BIC
CdtrAgt
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++CdtrAgt
FinInstnId
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++CdtrAgt
++++++FinInstnId
BIC
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++CdtrAgt
++++++FinInstnId
+++++++BIC
Format
EPC references
(if available)
Pattern
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
Name
Typ
CreditorAgent
cation4
Name
Typ
Name
Typ
Pattern
BIC
BICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
Content and checks
SEPA-Clearer
Payment service provider of the creditor
The original creditor agent BIC is part of the
duplication check at single record level.
page 34 of 51
camt.029.001.03
Status
Element/Attribut
1..1
Cdtr
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Cdtr
Nm
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Cdtr
++++++Nm
PstlAdr
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Cdtr
++++++PstlAdr
Ctry
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Cdtr
++++++PstlAdr
+++++++Ctry
Format
EPC references
(if available)
(AT-21 Name of the Beneficiary –
Mandatory)
Code)
Content and checks
SEPA-Clearer
Name
Typ
Creditor
Creditor. All sub-elements from the original
payment are supported.
Name
Typ
Length
Pattern
WhiteSpace
Name
Max70Text
1 .. 70
\S+.*
collapse
Name of creditor.
Name
Typ
PostalAddress
Address of creditor
Name
Typ
Pattern
Country
CountryCode
[A-Z]{2,2}
page 35 of 51
camt.029.001.03
Status
0..2
Element/Attribut
AdrLine
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Cdtr
++++++PstlAdr
+++++++AdrLine
0..1
Id
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Cdtr
++++++Id
OrgId
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++OrgId
BICOrBEI
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
Format
Name
Typ
Length
Pattern
WhiteSpace
AddressLine
Max70Text
1 .. 70
\S+.*
collapse
Name
Typ
Identification
SCLSCTParty6Choice2
Name
Typ
Name
Typ
Pattern
BICOrBEI
AnyBICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
EPC references
(if available)
Content and checks
SEPA-Clearer
page 36 of 51
camt.029.001.03
Status
0..1
Element/Attribut
+++++Cdtr
++++++Id
+++++++OrgId
++++++++BICOrBEI
Othr
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++OrgId
++++++++Othr
1..1
Id
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++Id
SchmeNm
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Cdtr
Format
Name
Typ
Other
Name
Typ
Length
Pattern
WhiteSpace
Identification
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
SchemeName
ice
EPC references
(if available)
Content and checks
SEPA-Clearer
page 37 of 51
camt.029.001.03
Status
Element/Attribut
1..1
++++++Id
+++++++OrgId
++++++++Othr
+++++++++SchmeNm
Cd
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++SchmeNm
++++++++++Cd
Prtry
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++SchmeNm
++++++++++Prtry
Issr
Document
+RsltnOfInvstgtn
++CxlDtls
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
Name
Typ
Length
Pattern
WhiteSpace
Code
1 .. 4
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Proprietary
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Issuer
Max35Text
1 .. 35
\S+.*
collapse
page 38 of 51
camt.029.001.03
Status
Element/Attribut
1..1
+++TxInfAndSts
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++Issr
PrvtId
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++PrvtId
DtAndPlcOfBirth
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++PrvtId
BirthDt
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
Format
Name
Typ
Name
Typ
DateAndPlaceOfBirth
DateAndPlaceOfBirth
Name
Typ
Pattern
Birth Date
ISODate
[0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
EPC references
(if available)
Content and checks
SEPA-Clearer
page 39 of 51
camt.029.001.03
Status
Element/Attribut
0..1
+++++Cdtr
++++++Id
+++++++PrvtId
+++++++++BirthDt
PrvcOfBirth
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++PrvtId
CityOfBirth
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++PrvtId
CtryOfBirth
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
Name
Typ
Length
Pattern
WhiteSpace
Province Of Birth
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
City Of Birth
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Pattern
Country Of Birth
CountryCode
[A-Z]{2,2}
page 40 of 51
camt.029.001.03
Status
0..1
Element/Attribut
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++PrvtId
Othr
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++PrvtId
++++++++Othr
1..1
Id
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++Id
SchmeNm
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
Format
Name
Typ
Other
Name
Typ
Length
Pattern
WhiteSpace
Identification
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Scheme Name
EPC references
(if available)
Content and checks
SEPA-Clearer
page 41 of 51
camt.029.001.03
Status
Element/Attribut
1..1
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++SchmeNm
Cd
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++SchmeNm
++++++++++Cd
Prtry
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++SchmeNm
++++++++++Prtry
Issr
Document
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
Name
Typ
Length
Pattern
WhiteSpace
Code
1 .. 4
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Proprietary
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Length
Issuer
Max35Text
1 .. 35
page 42 of 51
camt.029.001.03
Status
1..1
Element/Attribut
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++Cdtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++Issr
CdtrAcct
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++CdtrAcct
1..1
Id
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++CdtrAcct
++++++Id
IBAN
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++CdtrAcct
++++++Id
Format
Pattern
WhiteSpace
\S+.*
collapse
Name
Typ
Creditor Account
SCLSCTCashAccount16
Name
Typ
Identification
Name
Typ
Pattern
IBAN
IBAN2007Identifier
[A-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,30}
EPC references
(if available)
Content and checks
SEPA-Clearer
Account of the creditor
page 43 of 51
camt.029.001.03
Status
Element/Attribut
0..1
+++++++IBAN
UltmtCdtr
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtCdtr
Nm
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtCdtr
++++++Nm
0..1
Id
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
OrgId
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtCdtr
Format
Name
Typ
UltimateCreditor
Name
Typ
Length
Pattern
WhiteSpace
Name
Max70Text
1 .. 70
\S+.*
collapse
Name
Typ
Identification
SCLSCTParty6Choice2
Name
Typ
EPC references
(if available)
Reference Party)
Beneficiary
Reference Party)
Content and checks
SEPA-Clearer
Ultimate creditor All sub-elements from the
page 44 of 51
camt.029.001.03
Status
Element/Attribut
0..1
++++++Id
+++++++OrgId
BICOrBEI
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++OrgId
++++++++BICOrBEI
Othr
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++OrgId
++++++++Othr
1..1
Id
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++OrgId
++++++++Othr
Format
Name
Typ
Pattern
BICOrBEI
AnyBICIdentifier
[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
Name
Typ
Other
Name
Typ
Length
Pattern
WhiteSpace
Identification
Max35Text
1 .. 35
\S+.*
collapse
EPC references
(if available)
Content and checks
SEPA-Clearer
page 45 of 51
camt.029.001.03
Status
Element/Attribut
0..1
+++++++++Id
SchmeNm
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++SchmeNm
Cd
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++SchmeNm
++++++++++Cd
Prtry
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
Name
Typ
SchemeName
ice
Name
Typ
Length
Pattern
WhiteSpace
Code
1 .. 4
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Proprietary
Max35Text
1 .. 35
\S+.*
collapse
page 46 of 51
camt.029.001.03
Status
Element/Attribut
0..1
+++++++OrgId
++++++++Othr
+++++++++SchmeNm
++++++++++Prtry
Issr
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++Issr
PrvtId
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++PrvtId
DtAndPlcOfBirth
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
Format
Name
Typ
Length
Pattern
WhiteSpace
Issuer
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Name
Typ
DateAndPlaceOfBirth
EPC references
(if available)
Content and checks
SEPA-Clearer
page 47 of 51
camt.029.001.03
Status
Element/Attribut
1..1
+++++++PrvtId
BirthDt
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++PrvtId
+++++++++BirthDt
PrvcOfBirth
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++PrvtId
CityOfBirth
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
Name
Typ
Pattern
Birth Date
ISODate
[0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
Name
Typ
Length
Pattern
WhiteSpace
Province Of Birth
Max35Text
1 .. 35
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
City Of Birth
Max35Text
1 .. 35
\S+.*
collapse
page 48 of 51
camt.029.001.03
Status
Element/Attribut
1..1
+++++++PrvtId
CtryOfBirth
0..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++PrvtId
Othr
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++PrvtId
++++++++Othr
1..1
Id
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
Format
Name
Typ
Pattern
Country Of B irth
CountryCode
[A-Z]{2,2}
Name
Typ
Other
Name
Typ
Length
Pattern
WhiteSpace
Identification
Max35Text
1 .. 35
\S+.*
collapse
EPC references
(if available)
Content and checks
SEPA-Clearer
page 49 of 51
camt.029.001.03
Status
Element/Attribut
0..1
+++++++PrvtId
++++++++Othr
+++++++++Id
SchmeNm
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++SchmeNm
Cd
1..1
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++SchmeNm
++++++++++Cd
Prtry
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
Format
EPC references
(if available)
Content and checks
SEPA-Clearer
Name
Typ
SchemeName
Name
Typ
Length
Pattern
WhiteSpace
Code
1 .. 4
\S+.*
collapse
Name
Typ
Length
Pattern
WhiteSpace
Proprietary
Max35Text
1 .. 35
\S+.*
collapse
page 50 of 51
camt.029.001.03
Status
0..1
Element/Attribut
+++++UltmtCdtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++SchmeNm
++++++++++Prtry
Issr
Document
+RsltnOfInvstgtn
++CxlDtls
+++TxInfAndSts
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++Issr
Format
Name
Typ
Length
Pattern
WhiteSpace
Issuer
Max35Text
1 .. 35
\S+.*
collapse
EPC references
(if available)
Content and checks
SEPA-Clearer
page 51 of 51

Open file - Bundesbank

Transcription

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