# ISO 20022 pain.001.001.09

Source: https://xmlvalid.com/schemas/iso20022-pain.001.001.09

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

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.

- Type: XSD
- Version: 001.09
- Namespace: `urn:iso:std:iso:20022:tech:xsd:pain.001.001.09`
- 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.001.001.09

## Notes

- 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.