Making a payment between financial institutions using a CHAPS payment
This tutorial accompanies the header information found in the scheme agnostic Financial Institution credit transfer message tutorial.
In this scenario imagine an international company which has an account at Bank A, and wants to make a payment to another company, bank B. This payment will be made through the CHAPS system using the PagoNxt Payments Hub API pacs.009 message. The sender bank (bank A) and the receiving bank (bank B) exchange a pacs.009 message to instruct the transfer.
The following table only provides information about some especially important fields.
Message field | Description | Data type | Required/ Optional |
|---|---|---|---|
grpHdr.msgId | Point to point reference, as assigned by the instructing party, and sent to the next party in the chain to unambiguously identify the message. Usage: The instructing party has to make sure that MessageIdentification is unique per instructed party for a pre-agreed period. | String | Optional |
grpHdr.CreDtTm | Date and time at which the message was created. | Date | Optional |
grpHdr.NbOfTxs | Number of individual transactions contained in the message. | String | Required |
grpHdr.Cd | Type of address expressed as a code. | String | Required |
CdtTrfTxInf.pmtId | Set of elements used to reference a payment instruction. | String | Required |
CdtTrfTxInf.PmtTpInf | Set of elements used to further specify the type of transaction. | String | Optional |
CdtTrfTxInf.IntrBkSttlmDt | Date on which the amount of money ceases to be available to the agent that owes it and when the amount of money becomes available to the agent to which it is due. | Date | Required |
CdtTrfTxInf.InstgAgt | Agent that instructs the next party in the chain to carry out the (set of) instruction(s). | String | Required |
CdtTrfTxInf.InstdAgt | Agent that is instructed by the previous party in the chain to carry out the (set of) instruction(s). | String | Required |
CdtTrfTxInf.Dbtr | Financial institution that owes an amount of money to the (ultimate) financial institutional creditor. | String | Required |
CdtTrfTxInf.DbtrAgt | Financial institution servicing an account for the debtor. | String | Optional |
CdtTrfTxInf.CdtrAgt | Financial institution servicing an account for the creditor. | String | Optional |
CdtTrfTxInf.Cdtr | Financial institution that receives an amount of money from the financial institutional debtor. | String | Required |
Example request body:
{
"hubMessage": {
"messageType": "pacs_009_v08",
"document": {
"ficdtTrf": {
"cdtTrfTxInf": [
{
"dbtrAcct": {
"id": {
"othr": {
"id": "1823123456479"
}
}
},
"instrForNxtAgt": [
{
"instrInf": "Instruction one"
}
],
"cdtr": {
"finInstnId": {
"bicfi": "BSCHGB22XXX",
"nm": "Creditor Name SCREENING_AML_OK"
}
},
"dbtr": {
"finInstnId": {
"bicfi": "BARCGB22XXX",
"nm": "Debtor Name"
}
},
"instgAgt": {
"finInstnId": {
"bicfi": "BARCGB22XXX"
}
},
"instdAgt": {
"finInstnId": {
"bicfi": "BSCHGB22XXX"
}
},
"cdtrAcct": {
"id": {
"othr": {
"id": "1100100001250"
}
}
},
"cdtrAgt": {
"finInstnId": {
"bicfi": "BSCHGB22XXX"
}
},
"pmtId": {
"uetr": "0e56f78a-a3e9-4e84-a40b-e90bdfe5c1e2",
"instrId": "JAWAS-CHAPS1750844331039",
"endToEndId": "NOTPROVIDED"
},
"intrBkSttlmAmt": {
"ccy": "GBP",
"value": 3650.5
},
"intrBkSttlmDt": "2025-06-25"
}
],
"grpHdr": {
"nbOfTxs": "1",
"msgId": "c3524f62b8de4542",
"sttlmInf": {
"clrSys": {
"cd": "STG"
},
"sttlmMtd": "CLRG"
},
"creDtTm": "2025-06-25T09:38:51.272Z"
}
}
},
"client": {
"internalId": "3101",
"initiator": "migration-test"
},
"flow": "reception"
},
"executionId": {
"paymentHubId": "ecc3e521-bba1-356b-b27c-885fbac74a02",
"executionNumber": 0
}
}