PAIN file

SEPA (Single Euro Payments Area) is a pan-European network that allows you to send and receive payments in euros (€) between two cross-border bank accounts in the eurozone.

Payment Initiation (PAIN) is an xml file format, which is used in the Corporate to Bank payment traffic. 

PAIN.001

PAIN.001 is a payments initiation message by ISO 20022. It depicts a Credit Transfer message in an XML format. 

PAIN.001 is a generic payment file based on the pain.001.001.03 format standard and is used by corporates to send SEPA credit transfers in a file to the bank.

It supports the following type of payments:

  • Europayments
  • Urgent Domestic Europayments
  • Urgent Europayments

You can find a format description on https://www.rabobank.nl/seb-en.

Below you can find an example format of the Pain.001:

<?xml version="1.0" encoding="UTF-8"?>
<!-- edited with XMLSpy v2018 rel. 2 (x64) (http://www.altova.com) by  (RABOBANK NEDERLAND) -->
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
    <CstmrCdtTrfInitn>
        <GrpHdr>
            <MsgId>MMMM20211231v1</MsgId>
            <CreDtTm>2013-07-18T10:00:00</CreDtTm>
            <NbOfTxs>2</NbOfTxs>
            <CtrlSum>0.03</CtrlSum>
            <InitgPty>
                <Nm>MIB</Nm>
            </InitgPty>
        </GrpHdr>
        <PmtInf>
            <PmtInfId>PmtInfId-MM20211231-1</PmtInfId>
            <PmtMtd>TRF</PmtMtd>
            <BtchBookg>false</BtchBookg>
            <PmtTpInf>
                <InstrPrty>NORM</InstrPrty>
                <SvcLvl>
                    <Cd>SEPA</Cd>
                </SvcLvl>
            </PmtTpInf>
            <ReqdExctnDt>2021-12-31</ReqdExctnDt>
            <Dbtr>
                <Nm>MïB</Nm>
                <PstlAdr>
                    <Ctry>NL</Ctry>
                    <AdrLine>Gräädt van Roggenweg 400</AdrLine>
                    <AdrLine>Utrecht</AdrLine>
                </PstlAdr>
            </Dbtr>
            <DbtrAcct>
                <Id>
                    <IBAN>NL86RABO1999999991</IBAN>
                </Id>
                <Ccy>EUR</Ccy>
            </DbtrAcct>
            <DbtrAgt>
                <FinInstnId>
                    <BIC>RABONL2U</BIC>
                </FinInstnId>
            </DbtrAgt>
            <CdtTrfTxInf>
                <PmtId>
                    <InstrId>MIB InstrId305-312MM20211231v1</InstrId>
                    <EndToEndId>MIB E2E305-312MM20211231v1</EndToEndId>
                </PmtId>
                <PmtTpInf/>
                <Amt>
                    <InstdAmt Ccy="EUR">0.01</InstdAmt>
                </Amt>
                <CdtrAgt>
                    <FinInstnId>
                        <BIC>RABONL2U</BIC>
                    </FinInstnId>
                </CdtrAgt>
                <Cdtr>
                    <Nm>MIB 320</Nm>
                    <PstlAdr>
                        <Ctry>NL</Ctry>
                        <AdrLine>Graadt van Roggenweg 400</AdrLine>
                        <AdrLine>Utrecht</AdrLine>
                    </PstlAdr>
                </Cdtr>
                <CdtrAcct>
                    <Id>
                        <IBAN>NL11RABO3444444443</IBAN>
                    </Id>
                    <Ccy>EUR</Ccy>
                </CdtrAcct>
                <RmtInf>
                    <Ustrd>MIB304-320MM20211231v1</Ustrd>
                </RmtInf>
            </CdtTrfTxInf>
        </PmtInf>
        <PmtInf>
            <PmtInfId>PmtInfId-MM20211231-2</PmtInfId>
            <PmtMtd>TRF</PmtMtd>
            <BtchBookg>false</BtchBookg>
            <PmtTpInf>
                <InstrPrty>NORM</InstrPrty>
                <SvcLvl>
                    <Cd>SEPA</Cd>
                </SvcLvl>
            </PmtTpInf>
            <ReqdExctnDt>2021-12-31</ReqdExctnDt>
            <Dbtr>
                <Nm>MIB</Nm>
                <PstlAdr>
                    <Ctry>NL</Ctry>
                    <AdrLine>Graadt van Roggenweg 400</AdrLine>
                    <AdrLine>Utrecht</AdrLine>
                </PstlAdr>
            </Dbtr>
            <DbtrAcct>
                <Id>
                    <IBAN>NL86RABO1999999991</IBAN>
                </Id>
                <Ccy>EUR</Ccy>
            </DbtrAcct>
            <DbtrAgt>
                <FinInstnId>
                    <BIC>RABONL2U</BIC>
                </FinInstnId>
            </DbtrAgt>
            <CdtTrfTxInf>
                <PmtId>
                    <InstrId>MIB InstrId305-312MM20211231v1</InstrId>
                    <EndToEndId>MIB E2E305-312MM20211231v1</EndToEndId>
                </PmtId>
                <PmtTpInf/>
                <Amt>
                    <InstdAmt Ccy="EUR">0.02</InstdAmt>
                </Amt>
                <CdtrAgt>
                    <FinInstnId>
                        <BIC>RABONL2U</BIC>
                    </FinInstnId>
                </CdtrAgt>
                <Cdtr>
                    <Nm>MIB 320</Nm>
                    <PstlAdr>
                        <Ctry>NL</Ctry>
                        <AdrLine>Graadt van Roggenweg 400</AdrLine>
                        <AdrLine>Utrecht</AdrLine>
                    </PstlAdr>
                </Cdtr>
                <CdtrAcct>
                    <Id>
                        <IBAN>NL11RABO3444444443</IBAN>
                    </Id>
                    <Ccy>EUR</Ccy>
                </CdtrAcct>
                <RmtInf>
                    <Ustrd>MIB305-320MM20211231</Ustrd>
                </RmtInf>
            </CdtTrfTxInf>
        </PmtInf>
    </CstmrCdtTrfInitn>
</Document>

PAIN.002

PAIN.002 or payment status message is a log file based on the pain.002.001.03 format, it contains the actual status of payments (example rejection, acceptance etc.) submitted by SEPA Credit Transfer (pain.001) or SEPA Direct Debit (pain.008).

  • Interchange status/group status
  • Batch status
  • Transaction status on individual payments in the batch

You can find the format description on https://www.rabobank.nl/seb-en.

Note: The format description on www.rabobank.nl describes status information only on the rejected transactions. The pain.002 of the Business Bulk Payment Initiation and Business Direct Debit API(s) also supports the following statuses:

Interchange status/group status
ACTC Created
RJCT Rejected

Batch status
ACTC Awaiting authorisation
ACCP Authorised
ACSC Processed
RJCT Rejected, expired or cancelled
PDNG Postponed

Transaction status on individual payment in the batch
RJCT Rejected
ACTC Awaiting authorisation
ACCP Authorised
ACWC Withdrawn
PDNG Postponed
ACSC Processed

Below you can find an example format of the Pain.002:

<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.002.001.03">
    <CstmrPmtStsRpt>
        <GrpHdr>
            <MsgId>RABO-PAIN002-PO-0000000001865281814</MsgId>
            <CreDtTm>2021-08-09T15:39:03.808</CreDtTm>
            <InitgPty>
                <Id>
                    <OrgId>
                        <BICOrBEI>RABONL2U</BICOrBEI>
                    </OrgId>
                </Id>
            </InitgPty>
        </GrpHdr>
        <OrgnlGrpInfAndSts>
            <OrgnlMsgId>MMMM20211231v1</OrgnlMsgId>
            <OrgnlMsgNmId>PAIN.001.001.03</OrgnlMsgNmId>
            <OrgnlCreDtTm>2021-07-18T10:00:00.000</OrgnlCreDtTm>
            <OrgnlNbOfTxs>2</OrgnlNbOfTxs>
            <OrgnlCtrlSum>0.03</OrgnlCtrlSum>
            <GrpSts>ACTC</GrpSts>
        </OrgnlGrpInfAndSts>
        <OrgnlPmtInfAndSts>
            <OrgnlPmtInfId>PmtInfId-MM20211231-1</OrgnlPmtInfId>
            <OrgnlNbOfTxs>1</OrgnlNbOfTxs>
            <PmtInfSts>ACSC</PmtInfSts>
        </OrgnlPmtInfAndSts>
        <OrgnlPmtInfAndSts>
            <OrgnlPmtInfId>PmtInfId-MM20211231-2</OrgnlPmtInfId>
            <OrgnlNbOfTxs>null</OrgnlNbOfTxs>
            <PmtInfSts>RJCT</PmtInfSts>
        </OrgnlPmtInfAndSts>
    </CstmrPmtStsRpt>
</Document>

 

PAIN.008

Pain.008 file is a payments initiation message by ISO 20022. It depicts a Direct Debit message in XML format. A PAIN.008 file is used by corporates to send SEPA direct debits in a file to the bank.

Below you can find an example format of the Pain.008:

<?xml version="1.0" encoding="UTF-8" ?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.008.001.02" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
    <CstmrDrctDbtInitn>
        <GrpHdr>
            <MsgId>MMMM20211231v1</MsgId>
            <CreDtTm>2013-07-18T10:00:00</CreDtTm>
            <NbOfTxs>1</NbOfTxs>
            <CtrlSum>0.02</CtrlSum>
            <InitgPty>
                <Nm>MIB</Nm>
            </InitgPty>
        </GrpHdr>
        <PmtInf>
            <PmtInfId>PmtInfId-DD20211231-1</PmtInfId>
            <PmtMtd>DD</PmtMtd>
            <BtchBookg>true</BtchBookg>
            <NbOfTxs>1</NbOfTxs>
            <CtrlSum>0.02</CtrlSum>
            <PmtTpInf>
                <SvcLvl>
                    <Cd>SEPA</Cd>
                </SvcLvl>
                <LclInstrm>
                    <Cd>CORE</Cd>
                </LclInstrm>
                <SeqTp>FRST</SeqTp>
            </PmtTpInf>
            <ReqdColltnDt>2021-12-31</ReqdColltnDt>
            <Cdtr>
                <Nm>MïB</Nm>
                <PstlAdr>
                    <Ctry>NL</Ctry>
                    <AdrLine>Gräädt van Roggenweg 400</AdrLine>
                    <AdrLine>Utrecht</AdrLine>
                </PstlAdr>
            </Cdtr>
            <CdtrAcct>
                <Id>
                    <IBAN>NL86RABO1999999991</IBAN>
                </Id>
                <Ccy>EUR</Ccy>
            </CdtrAcct>
            <CdtrAgt>
                <FinInstnId>
                    <BIC>RABONL2U</BIC>
                </FinInstnId>
            </CdtrAgt>
            <ChrgBr>SLEV</ChrgBr>
            <CdtrSchmeId>
                <Id>
                    <PrvtId>
                        <Othr>
                            <Id>NL33ZZZ300456820000</Id>
                            <SchmeNm>
                                <Prtry>SEPA</Prtry>
                            </SchmeNm>
                        </Othr>
                    </PrvtId>
                </Id>
            </CdtrSchmeId>
            <DrctDbtTxInf>
                <PmtId>
                    <EndToEndId>MIB E2E305-312DD20211231v1</EndToEndId>
                </PmtId>
                <InstdAmt Ccy="EUR">0.02</InstdAmt>
                <DrctDbtTx>
                    <MndtRltdInf>
                        <MndtId>00001</MndtId>
                        <DtOfSgntr>2021-07-30</DtOfSgntr>
                    </MndtRltdInf>
                </DrctDbtTx>
                <DbtrAgt>
                    <FinInstnId>
                        <BIC>RABONL2U</BIC>
                    </FinInstnId>
                </DbtrAgt>
                <Dbtr>
                    <Nm>MIB 320</Nm>
                    <PstlAdr>
                        <Ctry>NL</Ctry>
                        <AdrLine>Graadt van Roggenweg 400</AdrLine>
                        <AdrLine>Utrecht</AdrLine>
                    </PstlAdr>
                </Dbtr>
                <DbtrAcct>
                    <Id>
                        <IBAN>NL11RABO3444444443</IBAN>
                    </Id>
                </DbtrAcct>
                <RmtInf>
                    <Ustrd>MIB304-320DD20211231v1</Ustrd>
                </RmtInf>
            </DrctDbtTxInf>
        </PmtInf>
    </CstmrDrctDbtInitn>
</Document>