The SEPA Bank to Customer Reject message (pain.002) is a standard XML message format used in the Single Euro Payments Area (SEPA) for notifying the sender of a payment about the rejection or refusal of a payment transaction by the receiving bank.
The pain.002 message contains various fields or XML elements that provide information about the rejected payment, including:
1. Message Identification: A unique identifier for the rejection message.
2. Original Group Information: Information about the original payment group or batch.
3. Original Payment Information: Details of the rejected payment transaction, such as the amount, currency, and payment reference.
4. Rejection Reason: Explanation or code indicating the reason for the rejection.
5. Rejection Information: Additional details or comments related to the rejection.
Here's an example of a pain.002 message in XML format:
<Prtry>Invalid Account Number</Prtry>
In this example, the pain.002 message informs the sender that a specific payment instruction (PMT20220001) within a payment group (GRP20220001) has been rejected due to an invalid account number (AC01). The rejection status is indicated as "RJCT" for both the payment group and the individual payment instruction.