Tuesday, October 3, 2023

What is SEPA Bank to Customer Reject message pain.002 message? What are its fields or xml elements? Give me a practical example of pain.002?

 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:


<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.002">
















        <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.

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