ISO 20022 Reference
Tools/ISO 20022 Reference/pain.001
Payment Initiation (pain)Replaces MT 101
pain.001

Customer Credit Transfer Initiation

CBPR+ identifier
pain.001.001.09
Area
Payment Initiation (pain)
MT equivalent
MT 101
Exchanged
Initiating party (corporate) → debtor agent.

Overview

pain.001 is the customer-side initiation message, replacing the MT 101 and myriad proprietary file formats. It supports batch payments (multiple transactions per payment information block), requested execution dates, and the same structured party/remittance model as pacs.008 — so data survives end-to-end without truncation.

Key elements

ElementNameNotes
PmtInf/ReqdExctnDtRequested execution date—
PmtInf/Dbtr / DbtrAcctDebtor and account—
CdtTrfTxInf/Amt/InstdAmtInstructed amount—
CdtTrfTxInf/RmtInf/StrdStructured remittanceInvoice references that survive to camt.053 reporting.

Work with this message

🌐SWIFT MT / MX Validator🏦IBAN Validator

Other messages

head.001Business Application Header (BAH)pacs.008FI to FI Customer Credit Transferpacs.009FI Credit Transferpacs.002FI to FI Payment Status Reportpacs.004Payment Returnpain.002Customer Payment Status Reportpain.008Customer Direct Debit Initiationcamt.052Bank to Customer Account Reportcamt.053Bank to Customer Statementcamt.054Bank to Customer Debit/Credit Notificationcamt.056FI to FI Payment Cancellation Requestcamt.029Resolution of Investigationcamt.110Investigation Requestcamt.111Investigation Response
← Previouspacs.004 Payment ReturnNext →pain.002 Customer Payment Status Report