The Pain.008 message initiates a direct debit and is part of the ISO-20022 message format. It is used to request single or bulk collection(s) of funds from one or various debtor’s account(s) for a creditor. It is sent by the initiating party to the forwarding agent or
creditor agent.
Pain.008 is the initiation message for the SDD message flow. You can download the Pain.008 Message Definition Report and XML Schema from here.
Pain.008 will contain one or more direct debit instructions.
Building blocks of Pain.008
GroupHeader
A Pain.008 will contain a GroupHeader which contains the common characteristics of all individual transactions included in the message.
The GroupHeader contains the following elements:
- Message Identification – unique identifier for the message
- Creation Date and Time – message creation date and time
- Number of Transactions – total number of individual payment transactions
- Control Sum – sum of control amounts of all the transactions within the message
- Initiating Party – initiating party that initiated the payment transaction
- Batch Booking – indicates whether the payments in the message should be booked as a batch or individually.
- Payment Category Purpose – category of the payment transactions
PaymentInformation
A Pain.008 will contain a PaymentInformation block which provides information on individual payment transactions within the message.
The PaymentInformation element will contain the following elements:
- Payment Information Identification – unique identifier for the payment information
- Payment Method – payment execution method i,e direct debit.
- Payment Type Information – provides additional details about the type of payment
- Requested Execution Date – provides requested date for the payment transaction execution.
- Debtor – party initiating the payment
- Creditor – party receiving the payment
- Amount – currency and monetary value of the transaction
- Remittance Information – provides additional information related to the payment