Making a credit transfer between Financial Institutions via TARGET
This tutorial describes how you can make a credit transfer between Financial Institutions via the PagoNxt Payments Hub API and accompanies the header information found in the Create and answer to a cancellation request message tutorial
Request body
The request must include a JSON payload object in the request body. The JSON payload is a pacs.009 v8 ISO message with the FICdtTrf root element, and it contains the request details for submitting a payment.
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 a 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 | Required |
grpHdr.CreDtTm | Date and time at which the message was created. | Date | Required |
grpHdr.NbOfTxs | Number of individual transactions contained in the message. | String | Required |
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 | Party that owes an amount of money to the (ultimate) creditor. | String | Required |
CdtTrfTxInf.DbtrAgt | Financial institution servicing an account for the debtor. | String | Required |
CdtTrfTxInf.CdtrAgt | Financial institution servicing an account for the creditor. | String | Required |
CdtTrfTxInf.Cdtr | Party to which an amount of money is due. | String | Required |
CdtTrfTxInf.InstdAmt | Amount of money to be moved between the debtor and creditor, before deduction of charges, expressed in the currency as ordered by the initiating party. | Numeric | Optional |
Example request body:
{
"hubMessage": {
"messageType": "pacs_009_v08",
"document": {
"ficdtTrf": {
"cdtTrfTxInf": [
{
"dbtrAcct": {
"id": {
"othr": {
"id": "8909988"
}
}
},
"cdtrAgtAcct": {
"id": {
"othr": {
"id": "AL771341132183868191346"
}
}
},
"instdAgt": {
"finInstnId": {
"bicfi": "BSCHESMMXXX"
}
},
"cdtrAcct": {
"id": {
"othr": {
"id": "FR76181290001000500003833"
}
}
},
"intrmyAgt1": {
"finInstnId": {
"bicfi": "TSPBBEBBXXX"
}
},
"pmtId": {
"uetr": "2ead9c09-2802-4544-b996-15c679f067a5",
"instrId": "wdSI0l3copPa6ASl",
"endToEndId": "NOTPROVIDED"
},
"intrBkSttlmAmt": {
"ccy": "EUR",
"value": 501
},
"intrBkSttlmDt": "2025-07-23",
"intrmyAgt1Acct": {
"id": {
"othr": {
"id": "8907788"
}
}
},
"sttlmPrty": "HIGH",
"cdtr": {
"finInstnId": {
"nm": "Creditor name",
"pstlAdr": {
"twnNm": "Beneficiary town",
"ctry": "ES"
}
}
},
"dbtr": {
"finInstnId": {
"nm": "X-WINGS E2E Inbound",
"pstlAdr": {
"adrLine": [
"CALLE ESPARTERO 18",
"28012 MADRID",
"ES"
]
}
}
},
"instgAgt": {
"finInstnId": {
"bicfi": "TSPBBEBBXXX"
}
}
}
],
"grpHdr": {
"nbOfTxs": "1",
"msgId": "e3663e75781335ea9f40197c64d88720",
"sttlmInf": {
"clrSys": {
"cd": "TGT"
},
"sttlmMtd": "CLRG"
},
"creDtTm": "2025-07-23T11:46:08.590+02:00"
}
}
},
"client": {
"internalId": "2002",
"initiator": "target2-gateway"
},
"coreData": {
"messageScheme": "pacs.009.001.08",
"internalId": "2002",
"paymentService": "lvp_international",
"initiator": "target2-gateway",
"paymentInstrument": "target2",
"rootEntity": "null",
"flow": "reception",
"tenant": "null"
},
"flow": "reception"
},
"executionId": {
"paymentHubId": "89c28def-3c8c-3d6c-96fe-77adf8e38388",
"executionNumber": 0
}
}