pain · ISO 20022 message

pain.008

Customer Direct Debit Initiation — The pull: the creditor asks the bank to collect money, rather than the debtor pushing it.

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Full identifier: pain.008.001.08
MT predecessor: MT104
Direction: Customer → Bank

Elements

Document CstmrDrctDbtInitn GrpHdr MsgId CreDtTm NbOfTxs CtrlSum InitgPty Nm PmtInf PmtInfId PmtMtd ReqdColltnDt Cdtr CdtrAcct Id IBAN CdtrAgt FinInstnId BICFI DrctDbtTxInf PmtId EndToEndId InstdAmt DbtrAgt Dbtr DbtrAcct RmtInf Ustrd

Sample

<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.008.001.08">
  <CstmrDrctDbtInitn>
    <GrpHdr>
      <MsgId>UTIL-DD-20260627-0007</MsgId>
      <CreDtTm>2026-06-27T06:00:00+04:00</CreDtTm>
      <NbOfTxs>1</NbOfTxs>
      <CtrlSum>120.00</CtrlSum>
      <InitgPty><Nm>Dubai Electricity Co</Nm></InitgPty>
    </GrpHdr>
    <PmtInf>
      <PmtInfId>UTIL-PMT-0007</PmtInfId>
      <PmtMtd>DD</PmtMtd>
      <ReqdColltnDt>2026-06-30</ReqdColltnDt>
      <Cdtr><Nm>Dubai Electricity Co</Nm></Cdtr>
      <CdtrAcct><Id><IBAN>AE980331000000000099887</IBAN></Id></CdtrAcct>
      <CdtrAgt><FinInstnId><BICFI>EBILAEAD</BICFI></FinInstnId></CdtrAgt>
      <DrctDbtTxInf>
        <PmtId><EndToEndId>UTIL-JUN-0007</EndToEndId></PmtId>
        <InstdAmt Ccy="AED">120.00</InstdAmt>
        <DbtrAgt><FinInstnId><BICFI>EBILAEAD</BICFI></FinInstnId></DbtrAgt>
        <Dbtr><Nm>Bob Marsh</Nm></Dbtr>
        <DbtrAcct><Id><IBAN>AE070331234567890123456</IBAN></Id></DbtrAcct>
        <RmtInf><Ustrd>Electricity - June</Ustrd></RmtInf>
      </DrctDbtTxInf>
    </PmtInf>
  </CstmrDrctDbtInitn>
</Document>

Part of the ISO 20022 Dictionary — the reference layer of ISO 20022 Academy. Written by Revanth Sai Rayapati.