Cancelling payments with SEPA Instant Credit Transfer (camt.056)
This tutorial describes how you can request a cancellation of a previously sent SEPA Instant Credit Transfer (SCT Inst) using the PagoNxt Payments Hub API and accompanies the header information found in the Cancellation request message tutorial
For this tutorial, consider a scenario where a customer has sent a SEPA Instant payment, but realizes that it was incorrect, and wants to cancel it.
Sandbox
These instructions apply to the Sandbox environment
Payment Cancellation Request
Request body
The request must include a JSON payload object in the request body. The JSON payload is a camt.056 ISO message with the fitoFIPmtCxlReq root element, and it contains the request details for cancelling a payment.
The following table only provides information about some especially important fields. For details on all the required and optional message fields, see Message field definition for camt.056 .
Message field | Description | Data type | Required/Optional |
|---|---|---|---|
Assignment ID that uniquely identifies the investigation assignment. This ID is used internally for idempotency of the API. | String | Required | |
assgnmt.assgnr | Data structure containing the assigner details. For this scenario, this is the customer’s agent. | Object | Required |
assgnmt.assgne | Data structure containing the assignee details. For this scenario, this is the merchant’s agent. | Object | Required |
assgnmt.creDtTm | Assignment Creation date and time | ISODateTime | Required |
ctrlData.nbOfTxs | The number of transactions included in this assignment. Must be equal to 1. | string | Required |
undrlyg.txInf.cxlId | ID that uniquely identifies the cancellation request, as assigned by the assigner. | String | Required |
undrlyg.txInf.orgnlTxRef.intrBkSttlAmt | Data structure containing the payment currency and the amount of the original transaction. The currency must be EUR and the amount must be a positive value. | Object | Required |
undrlyg.txInf.cxlRsnInf | Array of information about the cancellation reason | Array | Required |
undrlyg.txInf.orgnlTxId | Original transaction ID, from the pacs.008 txId field. | String | Required |
undrlyg.txInf.orgnlIntrBkSttlmDt | Original interbank settlement amount, from the pacs.008 intrBkSttlmAmt field. | String | Reauired |
undrlyg.txInf.orgnlGrpInf | Data structure containing: *Message ID used in the original payment request *Name of the message format used in the original request. | Object | Required |
undrlyg.txInf.orgnlTxRef | Data structure containing the transaction reference used to identify the original transaction | Object | Required |
Example body request:
{
"fitoFIPmtCxlReq": {
"assgnmt": {
"assgnr": {
"agt": {
"finInstnId": {
"bicfi": "IPAYESMMXXX"
}
}
},
"id": "20f1839852c53efc89b4661752149425",
"assgne": {
"agt": {
"finInstnId": {
"bicfi": "BSCHDEFFXXX"
}
}
},
"creDtTm": "2025-07-10T12:10:24.953Z"
},
"ctrlData": {
"nbOfTxs": "1"
},
"undrlyg": [
{
"txInf": [
{
"orgnlIntrBkSttlmAmt": {
"ccy": "EUR",
"value": 2.42
},
"cxlRsnInf": [
{
"orgtr": {
"id": {
"orgId": {
"anyBIC": "BSCHESMMXXX"
}
}
},
"rsn": {
"cd": "DUPL"
}
}
],
"orgnlTxId": "00490001632XQJZNFB",
"orgnlIntrBkSttlmDt": "2024-09-13",
"orgnlGrpInf": {
"orgnlMsgNmId": "pacs.008.001.08",
"orgnlMsgId": "1981259ee94c3cc9854350a1b914e758"
},
"orgnlTxRef": {
"dbtrAcct": {
"id": {
"iban": "ES5500490001532111373722"
}
},
"cdtr": {
"pty": {
"nm": "DOC07815006C DOC07815006C ES"
}
},
"dbtr": {
"pty": {
"nm": "Q.G. ARREDAMENTI S.A.S."
}
},
"dbtrAgt": {
"finInstnId": {
"bicfi": "BSCHESMMXXX"
}
},
"cdtrAcct": {
"id": {
"iban": "DE25503205000450340253"
}
},
"cdtrAgt": {
"finInstnId": {
"bicfi": "BSCHDEFFXXX"
}
},
"sttlmInf": {
"clrSys": {
"prtry": "TIP"
},
"sttlmMtd": "CLRG"
},
"pmtTpInf": {
"svcLvl": [
{
"cd": "SEPA"
}
],
"lclInstrm": {
"cd": "INST"
}
}
},
"cxlId": "cxlid2409161752149425",
"orgnlEndToEndId": "NOT PROVIDED"
}
]
}
]
}
}