Annotated examples of ISO 20022 payment files for SEPA Credit Transfers, Direct Debits, and SWIFT MT103 messages.
| File | Format | Description |
|---|---|---|
| pain.001.001.03-credit-transfer.xml | pain.001.001.03 | SEPA Credit Transfer (single payment) |
| pain.001.001.03-batch.xml | pain.001.001.03 | SEPA Credit Transfer (batch of 3 payments) |
| pain.008.001.02-direct-debit.xml | pain.008.001.02 | SEPA Direct Debit (single collection) |
| VALIDATION-CHECKLIST.md | — | Common errors and validation checklist |
ISO 20022 is the international standard for financial messaging. It defines XML-based message formats used by banks and financial institutions worldwide for payment processing.
- pain.001 — Customer Credit Transfer Initiation (SEPA wire transfers)
- pain.002 — Customer Payment Status Report (bank acknowledgement)
- pain.008 — Customer Direct Debit Initiation (SEPA direct debits)
- camt.053 — Bank-to-Customer Statement
You can generate and validate ISO 20022 XML files for free using:
- Generator: iso20022generator.com — Generate pain.001, pain.008, and SWIFT MT103 files
- Validator: iso20022generator.com/validator — Validate any ISO 20022 XML file against XSD schemas
- SEPA XML File Guide — Complete guide to SEPA XML structure
- pain.001 vs pain.002 — Differences between initiation and status messages
- ISO 20022 Migration Guide — What you need to know for migration
- ISO 20022 Official Catalog — Official message catalog
These examples are provided under the MIT License. Use them freely in your projects.