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.

No comments:

Post a Comment

Saudi Arabia's air defense intercepted rockets aimed at Israel.

  Saudi Arabia's decision to intercept missiles aimed at Israel has drawn mixed reactions. While some view it as a positive step toward...