Guidelines for the usage of SCT pain001 files

SEPA Credit Transfers consist of several levels:
- The header of the file starts by '<GrpHdr>' and ends with '</GrpHdr>'.
- The Payment level starts with '<PmtInf>' and ends with '</PmtInf>'.
- Inside the the Payment, you can also find all the Transactions, which are contained between the tags '<CdtTrfTxInf>' and '</CdtTrfTxInf>'.

Guidelines for the usage of SDD pain008 files

Creditor Identifier

Your SEPA Creditor Identifier has to be present on Payment level or on Transaction level. We advise to only use it at Payment level, becasue not all banks will interpret it on Transaction level. It is however possible to use a different Creditor ID per Payment, contained in the same file.

Information on Payment level

The tags sequence type and requested collection date are defined on Payment level or Transaction level.
It is advised to verifiy with your bank if this information is accepted on Transaction level. In most of the cases, all Transactions in the same Payment will have the same sequence type and requested collection date.

This information can be different for each Payment, contained in the same file.

It is also possible to structure a SEPA XML file in the following manner:

Group header
     Payment level 1 (SqTp: First, collection date: 2020-07-16)
         Transaction 1 (Amount = 115,00 EUR)
         Transaction 2 (Amount = 115,00 EUR)
         Transaction 3 (Amount = 125,00 EUR)
     Payment level 2 (SqTp: Recurrent, collection date: 2020-07-17)
         Transaction 4 (Amount = 152,00 EUR)
         Transaction 5 (Amount = 15,00 EUR)
         Transaction 6 (Amount = 35,00 EUR)
     Payment level 3 (SqTp: Recurrent, collection date: 2020-07-12)
         Transaction 13 (Amount = 9,00 EUR)
         Transaction 14 (Amount = 9,00 EUR)
         Transaction 15 (Amount = 9,00 EUR)


Note the each of the abovementioned levels are defined in the file by a specific tag::
- The header of the flie starts with '<GrpHdr>' and ends with '</GrpHdr>'.
- The Payment level begins by '<PmtInf>' and ends with '</PmtInf>'.
- The group that contains the Transactions starts with '<DrctDbtTxInf>' and ends with '</DrctDbtTxInf>'.

Also note that, even if indicated on Payment level, the scheme needs to be Core or B2B for the whole file.

Example of a file

Click here to download a PAIN.008 file