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XSD ISO 20022 Registration Authority · 001.09

ISO 20022 pain.001.001.09

Customer Credit Transfer Initiation

A company asks its bank to make one or more credit transfers. The message behind SEPA payment files.

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About

pain.001 is what accounting and ERP systems send to a bank to initiate payments. Version 09 belongs to the 2019 release of ISO 20022 messages, which the EPC SEPA Credit Transfer rulebook adopted in November 2023.

Good to know

  • Banks and schemes (EPC SEPA, CGI-MP, national usage guidelines) restrict the message further. Those restrictions are published as separate, narrower schemas or rules and are not applied here.

Files

1 file · 54.5 KB

Example document

pain.001.001.09.xml · 1.5 KB · valid against this schema

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In CI and from code

The same schema by its name, iso20022-pain.001.001.09, through the API.

npx @xmlvalid/cli validate "**/*.xml" --schema iso20022-pain.001.001.09
- uses: xmlvalid/validate-action@v1
  with:
    files: "**/*.xml"
    schema: iso20022-pain.001.001.09
    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-pain.001.001.09

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