pain.001

Customer Credit Transfer Initiation — The instruction: a customer tells their bank to pay one or many people. Where every push payment is born.

Full identifier

pain.001.001.09

MT predecessor

MT101 (request for transfer)

Direction

Customer → Bank

Elements

DocumentCstmrCdtTrfInitnGrpHdrMsgIdCreDtTmNbOfTxsCtrlSumInitgPtyNmPmtInfPmtInfIdPmtMtdBtchBookgReqdExctnDtDtDbtrPstlAdrStrtNmTwnNmCtryDbtrAcctIdIBANDbtrAgtFinInstnIdBICFIChrgBrCdtTrfTxInfPmtIdEndToEndIdUETRAmtInstdAmtCdtrAgtCdtrCdtrAcctRmtInfUstrd

Sample

<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.09">
  <CstmrCdtTrfInitn>
    <GrpHdr>
      <MsgId>BOB-MSG-20260627-0001</MsgId>
      <CreDtTm>2026-06-27T09:28:14+04:00</CreDtTm>
      <NbOfTxs>1</NbOfTxs>
      <CtrlSum>400.00</CtrlSum>
      <InitgPty><Nm>Bob Marsh</Nm></InitgPty>
    </GrpHdr>
    <PmtInf>
      <PmtInfId>BOB-PMT-0042</PmtInfId>
      <PmtMtd>TRF</PmtMtd>
      <BtchBookg>false</BtchBookg>
      <ReqdExctnDt><Dt>2026-06-27</Dt></ReqdExctnDt>
      <Dbtr>
        <Nm>Bob Marsh</Nm>
        <PstlAdr><StrtNm>Marina View</StrtNm><TwnNm>Dubai</TwnNm><Ctry>AE</Ctry></PstlAdr>
      </Dbtr>
      <DbtrAcct><Id><IBAN>AE070331234567890123456</IBAN></Id></DbtrAcct>
      <DbtrAgt><FinInstnId><BICFI>EBILAEAD</BICFI></FinInstnId></DbtrAgt>
      <ChrgBr>SHAR</ChrgBr>
      <CdtTrfTxInf>
        <PmtId><EndToEndId>BOB-INV0042</EndToEndId><UETR>eb6305c9-1f7c-4a9b-9b1e-2c2f4e7a91d4</UETR></PmtId>
        <Amt><InstdAmt Ccy="USD">400.00</InstdAmt></Amt>
        <CdtrAgt><FinInstnId><BICFI>HDFCINBB</BICFI></FinInstnId></CdtrAgt>
        <Cdtr>
          <Nm>Sweety Rao</Nm>
          <PstlAdr><StrtNm>MG Road</StrtNm><TwnNm>Bengaluru</TwnNm><Ctry>IN</Ctry></PstlAdr>
        </Cdtr>
        <CdtrAcct><Id><IBAN>IN52HDFC0000123456789012</IBAN></Id></CdtrAcct>
        <RmtInf><Ustrd>Invoice 0042 - June freelance</Ustrd></RmtInf>
      </CdtTrfTxInf>
    </PmtInf>
  </CstmrCdtTrfInitn>
</Document>