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XSD ISO 20022 Registration Authority · 001.09

ISO 20022 pacs.004.001.09

Payment Return

A bank sends the funds of a settled payment back, with a return reason.

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About

pacs.004 returns a payment that cannot be applied, for example because the account is closed, or after a cancellation request was accepted. Version 09 is the one in the SWIFT CBPR+ guidelines.

Good to know

  • CBPR+ and market infrastructures narrow this message; only the base ISO 20022 schema is applied here.
  • The example is by xmlvalid.com, with illustrative BICs.

Files

1 file · 59.6 KB

Example document

pacs.004.001.09.xml · 1.3 KB · valid against this schema

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In CI and from code

The same schema by its name, iso20022-pacs.004.001.09, through the API.

npx @xmlvalid/cli validate "**/*.xml" --schema iso20022-pacs.004.001.09
- uses: xmlvalid/validate-action@v1
  with:
    files: "**/*.xml"
    schema: iso20022-pacs.004.001.09
    api-key: ${{ secrets.XMLVALID_API_KEY }}
curl https://xmlvalid.com/api/v1/validations \
  -H "Authorization: Bearer $XMLVALID_API_KEY" \
  -F document={{ $schema->example ?? 'document.xml' }} -F schema=iso20022-pacs.004.001.09

Free accounts get 100 API validations a month. On Pro, a URL monitor can check a published document against this schema every hour and email you when it breaks. More CI setups