# ISO 20022 pain.008.001.02

Source: https://xmlvalid.com/schemas/iso20022-pain.008.001.02

> The 2009 version of the direct debit initiation message, the SEPA direct debit format until 2023.

Version 02 was used by the EPC SEPA Core and B2B direct debit rulebooks until November 2023, and many creditors and banks still exchange it.

- Type: XSD
- Version: 001.02
- Namespace: `urn:iso:std:iso:20022:tech:xsd:pain.008.001.02`
- 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.008.001.02

## Notes

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