- 17 Sep 2024
- 16 Minutes to read
- Print
- DarkLight
Pacs.008.001.08
- Updated on 17 Sep 2024
- 16 Minutes to read
- Print
- DarkLight
This page shows a pacs.008.001.08 compliant with SEPA Rulebook 2023 used to make a SEPA Credit Transfer (SCT) payments with the Payments Hub API.
Pacs.008.001.08 message
The below JSON payload is for a pacs.008.001.08 ISO message with the fitoFICstmrCdtTrf root element, and it contains the request details for submitting a payment following the SEPA Rulebook 2023.
The following table only provides information about some especially important fields. The functional changes for SEPA Rulebook 2023 are highlighted.
Table: pacs.008.001.08.
Message field | Description | Data type | Required/Optional | Example |
---|---|---|---|---|
grpHdr.msgId | Message ID, which must uniquely identify each request you send. This ID is used internally for idempotency of the API. | String | Required | d034d62afb3f3a6a816c0d57cc69151f |
grpHdr.creDtTm | Date and time of the payment request | String | Required | 2020-06-09T15:41:32.985Z |
grpHdr.nbOfTxs | Number of transactions within the message. Value: 1 | Number | Required | |
grpHdr.ttlIntrBkSttlmAmt | Data structure containing the payment currency and the amount to be transferred. The currency must be EUR and the amount must be a positive value. | Object | Required | { "value": 16.53, "ccy": "EUR" } |
grpHdr.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. | String | Required | 2020-06-09 |
grpHdr.sttlmInf.sttlmMtd | Method used to settle the (batch of) payment instructions. | String | Required | CLRG |
grpHdr.sttlmInf.clrSys.prtry | Specification of a pre-agreed offering between clearing agents or the channel through which the payment instruction is processed. | String | Required | ST2 |
grpHdr.instgAgt.finInstnId.bicfi | Direct participant in SEPA who will send the payment. NON Direct Participants shouldn't informed Must be present in ICF (outgoing payments). It has to be always the DIRECT PARTICIPANT in the scheme. | String | Optional | BSCHESMM |
cdtTrfTxInf.pmtId.instrId | Unique identification, as assigned by an instructing party for an instructed party, to unambiguously identify the instruction. | String | Optional | Instr89156283825835100000 |
cdtTrfTxInf.pmtId.endToEndId | End-to-end ID, which can be used to track the transaction between payment systems. If no value is provided, NOT PROVIDED is used. | String | Required | F62 END2END |
cdtTrfTxInf.pmtId.txId | Transaction ID. If the message includes multiple transactions, this field uniquely identifies each transaction. | String | Required | Instr89156283825835100000 |
cdtTrfTxInf.pmtId.instrId | Unique identification, as assigned by an instructing party for an instructed party, to unambiguously identify the instruction. | String | Optional | d034d62afb3f3a6a816c0d57cc69151f |
cdtTrfTxInf.pmtTpInf.svcLvl.cd | Payment scheme type. Value: SEPA | String | Required | |
cdtTrfTxInf.pmtTpInf.lclInstrm | ser community specific instrument. Only one property can be present (cd or prty) | String | Optional | "cd": "TRF" |
cdtTrfTxInf.pmtTpInf.CtgyPurp | pecifies the high level purpose of the instruction based on a set of pre-defined categories. | String | Optional | "cd": "TRF" |
cdtTrfTxInf.intrBkSttlmAmt | Data structure containing the payment currency and the amount to be transferred. The currency must be EUR and the amount must be a positive value. | Object | Required | { "value": 16.53, "ccy": "EUR" } |
cdtTrfTxInf.intrBkSttlmDt | Date when the interbank settlement amount moves from the instructing agent to the instructed agent | String | Required | |
cdtTrfTxInf.chrgBr | Charge bearer type. Value: SLEV | String | Required | SLEV |
cdtTrfTxInf.instgAgt.finInstnId.bicfi | Direct Participant who sends the payment | String | Required | KREDBEBB |
cdtTrfTxInf.ultmtDbtr.nm | Name by which a party is known and which is usually used to identify that party. | String | Optional | Dirk Uyttendaele |
cdtTrfTxInf.ultmtDbtr.id.orgId.anyBIC | Optional | |||
cdtTrfTxInf.ultmtDbtr.id.orgId.LE | Optional | |||
cdtTrfTxInf.ultmtDbtr.id.orgId.other.id | String | Optional | ||
cdtTrfTxInf.ultmtDbtr.id.orgId.other.schemeNm | Only one property can be present (cd or prty) | Object | Optional | |
cdtTrfTxInf.ultmtDbtr.id.orgId.other.issr | String | Optional | ||
cdtTrfTxInf.ultmtDbtr.id.prvtId.dtAndPlcOfBirth.birthDt | Optional | |||
cdtTrfTxInf.ultmtDbtr.id.prvtId.dtAndPlcOfBirth.prvcOfBirth | String | Optional | ||
cdtTrfTxInf.ultmtDbtr.id.prvtId.dtAndPlcOfBirth.cityOfBirth | String | Optional | ||
cdtTrfTxInf.ultmtDbtr.id.prvtId.dtAndPlcOfBirth.ctryOfBirth | String | Optional | ||
cdtTrfTxInf.ultmtDbtr.id.prvtId.other.id | String | Optional | ||
cdtTrfTxInf.ultmtDbtr.id.prvtId.other.schemeNm | Only one property can be present (cd or prty) | Object | Optional | |
cdtTrfTxInf.ultmtDbtr.id.prvtId.other.issr | String | Optional | ||
cdtTrfTxInf.dbtr.nm | Name by which a party is known and which is usually used to identify that party. | String | Required | Dirk Uyttendaele |
cdtTrfTxInf.dbtr.pstlAdr.dept | Identification of a division of a large organisation or building. | String | Optional | |
cdtTrfTxInf.dbtr.pst | Identification of a sub-division of a large organisation or building. | String | Optional | |
cdtTrfTxInf.dbtr.pst | Identification of a sub-division of a large organisation or building. | String | Optional | |
cdtTrfTxInf.dbtr.pst | Name of a street or thoroughfare. | String | Optional | |
cdtTrfTxInf.dbtr.pst | Name of the building or house. | String | Optional | |
cdtTrfTxInf.dbtr.pst | Number that identifies the position of a building on a street. | String | Optional | |
cdtTrfTxInf.dbtr.pstlAdr.Flr | Floor or storey within a building. | String | Optional | |
cdtTrfTxInf.dbtr.pstlAdr.pstBx | Numbered box in a post office, assigned to a person or organisation, where letters are kept until called for. | String | Optional | |
cdtTrfTxInf.dbtr.pstlAdr.room | Building room number. | String | Optional | |
cdtTrfTxInf.dbtr.pstlAdr.pstCd | Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the sorting of mail. | String | Optional | |
cdtTrfTxInf.dbtr.pstlAdr.twnNm | Name of a built-up area, with defined boundaries, and a local government. | String | Optional | |
cdtTrfTxInf.dbtr.pstlAdr.twnLctnNm | Specific location name within the town. | String | Optional | |
cdtTrfTxInf.dbtr.pstlAdr.dstrctNm | Identifies a subdivision within a country sub-division. | String | Optional | |
cdtTrfTxInf.dbtr.pstlAdr.ctrySubDvsn | Identifies a subdivision of a country such as state, region, county. | String | Optional | |
cdtTrfTxInf.dbtr.pstlAdr.ctry | Code to identify a country, a dependency, or another area of particular geopolitical interest, on the basis of country names obtained from the United Nations (ISO 3166, Alpha-2 code). | String | Optional | BE |
cdtTrfTxInf.dbtr.pstlAdr.adrLine | String | Optional | HAVENLAAN 2 B | |
cdtTrfTxInf.dbtr.id.orgId.anyBIC | Optional | |||
cdtTrfTxInf.dbtr.id.orgId.LE | Optional | |||
cdtTrfTxInf.dbtr.id.orgId.other.id | String | Optional | ||
cdtTrfTxInf.dbtr.id.orgId.other.schemeNm | Only one property can be present (cd or prty) | Object | Optional | |
cdtTrfTxInf.dbtr.id.orgId.other.issr | String | Optional | ||
cdtTrfTxInf.dbtr.id.prvtId.dtAndPlcOfBirth.birthDt | Optional | |||
cdtTrfTxInf.dbtr.id.prvtId.dtAndPlcOfBirth.prvcOfBirth | String | Optional | ||
cdtTrfTxInf.dbtr.id.prvtId.dtAndPlcOfBirth.cityOfBirth | String | Optional | ||
cdtTrfTxInf.dbtr.id.prvtId.dtAndPlcOfBirth.ctryOfBirth | String | Optional | ||
cdtTrfTxInf.dbtr.id.prvtId.other.id | String | Optional | ||
cdtTrfTxInf.dbtr.id.prvtId.other.schemeNm | Only one property can be present (cd or prty) | Object | Optional | |
cdtTrfTxInf.dbtr.id.prvtId.other.issr | String | Optional | ||
cdtTrfTxInf.dbtrAcct.id.iban | Required | BE07756123654798 | ||
cdtTrfTxInf.dbtrAcct.prxy.tp | Type of the proxy identification. Only one property can be present (cd or prty) | Object | Optional | |
cdtTrfTxInf.dbtrAcct.prxy.id | Identification used to indicate the account identification under another specified name. | String | Optional | |
cdtTrfTxInf.dbtrAgt.finInstnId.bicfi | Required | KREDBEBB | ||
cdtTrfTxInf.ultmtCdtr.nm | Name by which a party is known and which is usually used to identify that party. | String | Optional | Dirk Uyttendaele |
cdtTrfTxInf.ultmtCdtr.id.orgId.anyBIC | Optional | |||
cdtTrfTxInf.ultmtCdtr.id.orgId.LEI | Optional | |||
cdtTrfTxInf.ultmtCdtr.id.orgId.other.id | String | Optional | ||
cdtTrfTxInf.ultmtCdtr.id.orgId.other.schemeNm | Only one property can be present (cd or prty) | Object | Optional | |
cdtTrfTxInf.ultmtCdtr.id.orgId.other.issr | String | Optional | ||
cdtTrfTxInf.ultmtCdtr.id.prvtId.dtAndPlcOfBirth.birthD | Optional | |||
cdtTrfTxInf.ultmtCdtr.id.prvtId.dtAndPlcOfBirth.prvcOfBirth | String | Optional | ||
cdtTrfTxInf.ultmtCdtr.id.prvtId.dtAndPlcOfBirth.cityOfBirth | String | Optional | ||
cdtTrfTxInf.ultmtCdtr.id.prvtId.dtAndPlcOfBirth.ctryOfBirth | String | Optional | ||
cdtTrfTxInf.ultmtCdtr.id.prvtId.other.id | String | Optional | ||
cdtTrfTxInf.ultmtCdtr.id.prvtId.other.schemeNm | Only one property can be present (cd or prty) | Object | Optional | |
cdtTrfTxInf.ultmtCdtr.id.prvtId.other.issr | String | Optional | ||
cdtTrfTxInf.cdtr.nm | Name by which a party is known and which is usually used to identify that party. | String | Required | Dirk Uyttendaele |
cdtTrfTxInf.cdtr.pstlAdr.dept | Identification of a division of a large organisation or building. | String | Optional | |
cdtTrfTxInf.cdtr.pstlAdr.subDept | Identification of a sub-division of a large organisation or building. | String | Optional | |
cdtTrfTxInf.cdtr.pstlAdr.strNme | Name of a street or thoroughfare. | String | Optional | |
cdtTrfTxInf.cdtr.pstlAdr.bldgNm | Name of the building or house. | String | Optional | |
cdtTrfTxInf.cdtr.pstlAdr.bldgNb | Number that identifies the position of a building on a street. | String | Optional | |
cdtTrfTxInf.cdtr.pstlAdr.Flr | Floor or storey within a building. | String | Optional | |
cdtTrfTxInf.cdtr.pstlAdr.pstBx | Numbered box in a post office, assigned to a person or organisation, where letters are kept until called for. | String | Optional | |
cdtTrfTxInf.cdtr.pstlAdr.room | Building room number. | String | Optional | |
cdtTrfTxInf.cdtr.pstlAdr.pstCd | Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the sorting of mail. | String | Optional | |
cdtTrfTxInf.cdtr.pstlAdr.twnNm | Name of a built-up area, with defined boundaries, and a local government. | String | Optional | |
cdtTrfTxInf.cdtr.pstlAdr.twnLctnNm | Specific location name within the town. | String | Optional | |
cdtTrfTxInf.cdtr.pstlAdr.dstrctNm | Identifies a subdivision within a country sub-division. | String | Optional | |
cdtTrfTxInf.cdtr.pstlAdr.ctrySubDvsn | Identifies a subdivision of a country such as state, region, county. | String | Optional | |
cdtTrfTxInf.cdtr.pstlAdr.ctry | Code to identify a country, a dependency, or another area of particular geopolitical interest, on the basis of country names obtained from the United Nations (ISO 3166, Alpha-2 code). | String | Optional | BE |
cdtTrfTxInf.cdtr.pstlAdr.adrLine | String | Optional | HAVENLAAN 2 B | |
cdtTrfTxInf.cdtr.id.orgId.anyBIC | Optional | |||
cdtTrfTxInf.cdtr.id .orgId.LEI | Optional | |||
cdtTrfTxInf.cdtr.id.orgId.other.id | String | Optional | ||
cdtTrfTxInf.cdtr.id.orgId.other.schemeNm | Only one property can be present (cd or prty) | Object | Optional | |
cdtTrfTxInf.cdtr.id.orgId.other.issr | String | Optional | ||
cdtTrfTxInf.cdtr.id .prvtId.dtAndPlcOfBirth.birthDt | Optional | |||
cdtTrfTxInf.cdtr.id.prvtId.dtAndPlcOfBirth.prvcOfBirth | String | Optional | ||
cdtTrfTxInf.cdtr.id.prvtId.dtAndPlcOfBirth.cityOfBirth | String | Optional | ||
cdtTrfTxInf.cdtr.id.prvtId.dtAndPlcOfBirth.ctryOfBirth | String | Optional | ||
cdtTrfTxInf.cdtr.id.prvtId.other.id | String | Optional | ||
cdtTrfTxInf.cdtr.id.prvtId.other.schemeNm | Only one property can be present (cd or prty) | Object | Optional | |
cdtTrfTxInf.cdtr.id.prvtId.other.issr | String | Optional | ||
cdtTrfTxInf.cdtrAcct.id.iban | Required | BE07756123654798 | ||
cdtTrfTxInf.cdtrAcct.prxy.tp | ype of the proxy identification. Only one property can be present (cd or prty) | Object | Optional | |
cdtTrfTxInf.cdtrAcct.prxy.id | Identification used to indicate the account identification under another specified name. | String | Optional | |
cdtTrfTxInf.cdtrAgt.finInstnId.bicfi | Required | KREDBEBB | ||
cdtTrfTxInf.purp.cd | Reason for the payment transaction | String | Optional | |
cdtTrfTxInf.rmtInf.ustrd | Information supplied to enable the matching/reconciliation of an entry with the items that the payment is intended to settle, such as commercial invoices in an accounts' receivable system, in an unstructured form. | String | Optional | |
cdtTrfTxInf.rmtInf.strd.cdtrRefInf.tp.cdOrPrtry | Type of creditor reference, in a coded form. Only "SCOR" value is allowed | String | Optional | SCOR |
cdtTrfTxInf.rmtInf.strd.cdtrRefInf.tp.issr | Entity that assigns the credit reference type. | String | Optional | |
cdtTrfTxInf.rmtInf.strd.cdtrRefInf.ref | Unique reference, as assigned by the creditor, to unambiguously refer to the payment transaction. | String | Optional |
Example request body:
{
"fitoFICstmrCdtTrf": {
"grpHdr": {
"msgId": "MsgId-2581783930",
"creDtTm": "2021-02-03T04:05:06.000Z",
"nbOfTxs": "1",
"ttlIntrBkSttlmAmt": {
"value": 16.53,
"ccy": "EUR"
},
"intrBkSttlmDt": "2020-06-09",
"sttlmInf": {
"sttlmMtd": "CLRG",
"clrSys": {
"prtry": "ST2"
}
}
},
"cdtTrfTxInf": [
{
"pmtId": {
"endToEndId": "e2eId-2581783930",
"txId": "txId-2581783930"
},
"pmtTpInf": {
"svcLvl": [
{
"cd": "SEPA"
}
]
},
"intrBkSttlmAmt": {
"value": 1,
"ccy": "EUR"
},
"chrgBr": "SLEV",
"instgAgt": {
"finInstnId": {
"bicfi": "BSCHESMMXXX"
}
},
"ultmtDbtr": {
"nm": "Ultimate Debtor",
"pstlAdr": {
"twnNm": "Seville",
"ctry": "ES",
"adrLine": [
"Somewhere in Seville"
]
},
"id": {
"prvtId": {
"othr": [
{
"id": "ultmt-dtr-id"
}
]
}
}
},
"dbtr": {
"nm": "pacs008-debtorName",
"pstlAdr": {
"ctry": "ES",
"adrLine": [
"Somewher in Seville"
]
}
},
"dbtrAcct": {
"id": {
"iban": "ES9300492060833000002503"
}
},
"dbtrAgt": {
"finInstnId": {
"bicfi": "EBURESM1XXX"
}
},
"cdtrAgt": {
"finInstnId": {
"bicfi": "BSCHESMMXXX"
}
},
"cdtr": {
"nm": "pacs008-creditorrName"
},
"cdtrAcct": {
"id": {
"iban": "FI9580002811571214"
}
},
"ultmtCdtr": {
"nm": "Ultimate Creditor",
"pstlAdr": {
"twnNm": "Helsinki",
"ctry": "FI",
"adrLine": [
"Somewhere in Helsinki"
]
},
"id": {
"prvtId": {
"othr": [
{
"id": "ultmt-cdtr-id"
}
]
}
}
},
"rmtInf": {
"ustrd": [
"FAKE:ACCP:IT00"
]
}
}
]
}
}
Request
The following example illustrates the request using raw HTTP code:
POST /payments/pacs008/v08 HTTP/1.1
Host: sandbox.api.pagonxt.com
Content-Type: application/json
Authorization: Bearer YOUR_ACCESS_TOKEN
X-Client-Id: YOUR_CLIENT_ID
sca-token: eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiIsImtpZCI6Ikh1YnRlc3RfcHJvX3NhbmRib3gifQ.eyJoZCI6ImMrMkRKZEUyeklSTkNTS3hMVEU1TnIzVGpmQzRaVUFreTlxM0FuNFZLc3M9Iiwibm9uY2UiOiI2ZGNmOTgyZmM4ZTQ0YmVlOTRiYiIsImFsZyI6IlNIQTI1NiIsImlhdCI6MTY1NDUyNjUyMSwibmJmIjoxNjU0NTI2NTIxLCJleHAiOjE2ODYwNjI1MjEsImp0aSI6IjcwNDJjMjNhLWMzYmItNGU2MS04NjI4LTA1ZDRjODg2MWM0ZSJ9.KqRmUansjP5c-TRg8HcCS65x8I7w6EjT8xDQS83MoYMJiITAX50p1-gtnhtNAD-1l2CdUJfbyV9TzOn7qzm0uXx0rdWOaJ79efV5gEamc3jQNNFfhok9kwwKnlOX5d60UwGfLYbAJdZBZc49eyYRIojacTSVAewcKdXpTbwPPJE140WEYLwWkSXmUCPg1dPNyrogduHGl8DYEPdiaPytty-Bp9H_wApvQ5VAYmu111WzMCI0SPmo-eLGAj20C1sRVgKpl_-Puo-9gT2XOK1EBoD6qG_a2PaPuFxkAcm3W0-NtbEiYFnkvcS8zbMpHjdKq84qmh7Fq9ZsrsKgVJMfug
Content-Length: 3670
{
"fitoFICstmrCdtTrf": {
"grpHdr": {
"msgId": "MsgId-2581783930",
"creDtTm": "2021-02-03T04:05:06.000Z",
"nbOfTxs": "1",
"ttlIntrBkSttlmAmt": {
"value": 16.53,
"ccy": "EUR"
},
"intrBkSttlmDt": "2020-06-09",
"sttlmInf": {
"sttlmMtd": "CLRG",
"clrSys": {
"prtry": "ST2"
}
}
},
"cdtTrfTxInf": [
{
"pmtId": {
"endToEndId": "e2eId-2581783930",
"txId": "txId-2581783930"
},
"pmtTpInf": {
"svcLvl": [
{
"cd": "SEPA"
}
]
},
"intrBkSttlmAmt": {
"value": 1,
"ccy": "EUR"
},
"chrgBr": "SLEV",
"instgAgt": {
"finInstnId": {
"bicfi": "BSCHESMMXXX"
}
},
"ultmtDbtr": {
"nm": "Ultimate Debtor",
"pstlAdr": {
"twnNm": "Seville",
"ctry": "ES",
"adrLine": [
"Somewhere in Seville"
]
},
"id": {
"prvtId": {
"othr": [
{
"id": "ultmt-dtr-id"
}
]
}
}
},
"dbtr": {
"nm": "pacs008-debtorName",
"pstlAdr": {
"ctry": "ES",
"adrLine": [
"Somewher in Seville"
]
}
},
"dbtrAcct": {
"id": {
"iban": "ES9300492060833000002503"
}
},
"dbtrAgt": {
"finInstnId": {
"bicfi": "EBURESM1XXX"
}
},
"cdtrAgt": {
"finInstnId": {
"bicfi": "BSCHESMMXXX"
}
},
"cdtr": {
"nm": "pacs008-creditorrName"
},
"cdtrAcct": {
"id": {
"iban": "FI9580002811571214"
}
},
"ultmtCdtr": {
"nm": "Ultimate Creditor",
"pstlAdr": {
"twnNm": "Helsinki",
"ctry": "FI",
"adrLine": [
"Somewhere in Helsinki"
]
},
"id": {
"prvtId": {
"othr": [
{
"id": "ultmt-cdtr-id"
}
]
}
}
},
"rmtInf": {
"ustrd": [
"FAKE:ACCP:IT00"
]
}
}
]
}
}