# ISO 20022 pain.001.001.03

Source: https://xmlvalid.com/schemas/iso20022-pain.001.001.03

> The 2009 version of the payment initiation message, still produced by many ERP systems and accepted by many banks.

Version 03 was the SEPA credit transfer format until the EPC moved to version 09 in November 2023. Many banks and national schemes still accept it, so existing payment files are often in this version.

- Type: XSD
- Version: 001.03
- Namespace: `urn:iso:std:iso:20022:tech:xsd:pain.001.001.03`
- Root element: `Document`
- Publisher: ISO 20022 Registration Authority (ISO 20022 terms of use), source: https://www.iso20022.org/iso-20022-message-definitions
- Validate against it: https://xmlvalid.com/validate?schema=iso20022-pain.001.001.03

## Notes

- Bank and scheme guidelines restrict the message further; they are not applied here.
- The example is by xmlvalid.com, with illustrative IBANs.