What does pain.001 contain?
A pain.001 message is a customer-to-bank credit transfer initiation. It can group multiple payments under a file header and payment-information block, with transaction-level creditors, amounts and end-to-end references.
Common pain.001 elements
| Element | Purpose |
|---|---|
GrpHdr / MsgId | File-level message identifier |
PmtInfId | Payment batch identifier |
ReqdExctnDt | Requested execution date |
Dbtr | Party initiating the payment |
EndToEndId | End-to-end transaction reference |
InstdAmt | Instructed amount and currency |
Cdtr | Creditor receiving the payment |
Bank profiles differ. A structurally readable file may still fail a bank, SEPA or other scheme-specific rule. Validate against the implementation guideline required by the receiving institution.