ISO Accounts Payable

ISO 20022 accounts payable

Accounts payable processes use ISO 20022 pain.001.001.003 and pain.002.001.003 messages according to the CGI (Common Global Implementation).

Important: The information contained on this page may be subject to change and do not take into account the type or configuration of your PaymentsPlus facility.

PaymentsPlus consumes and produces these files:

  • Transmit a pain.001.001.003 payment import file to PaymentsPlus to send Australian and New Zealand domestic payments payments.
  • PaymentsPlus responds with three levels of pain.002.001.003 remittance messages.

Launch the ISO sandbox

Use the sandbox to validate that the format of your pain.001.001.003 file is correct. The sandbox:

  • allows you to upload a pain.001.001.003 file of up to 200kb,
  • responds with the location of any errors in your file, or the details of any payments when successful,
  • does not guarantee that payments will process successfully, only that the format of the file is correct,
  • does not take into account the types of payments that are accepted by your PaymentsPlus facility, and
  • does not perform duplicate checking.

Data considerations

See Australian domestic payment currencies and International data limitations for important data considerations.

File validation

ISO pain.001.001.003 files are validated according to the XML schema on ISO 20022 Payments messages. PaymentsPlus performs additional validation to ensure your facility is able to send the payments in the file.

pain.001.001.003

The structure of a Payment Initiation pain.001.001.003 payment import file is:

Diagram explaining the three levels in a PAIN.001 message

  • One block at the 'Group Level'

    • One 'Message Identification'
    • One 'Sum and Totals'
    • One 'Initiating Party'
  • One block at the 'Payment ID Level'

    • One 'Payment Methods and Types'
    • One 'Originating Account'
  • One or more blocks at the 'Transaction Level'

    • One 'Counterparty Details'
    • One or more payment records
    • Zero or more remittance records
    • Zero or more invoice records

Important: Please refer to the v3 XSD for specific validation rules https://www.iso20022.org/message_archive.page#PaymentsInitiation3.

Group level

Lev ISO XML element Message Item Req Len Format Example, Description or element name
1 <Document> M
2 <CstmrCdtTrfInitn> Customer Credit Transfer Initiation M <CstmrCdtTrfInitn>
3 <GrpHdr> Group Header M <GrpHdr>
4 <MsgId> Message Identification M 1-35 1000044716
4 <CreDtTm> Creation Date Time M 19 TZ format 2018-12-14T14:05:41
4 <NbOfTxs> Number Of Transactions M 1-15 Numeric 3
4 <CtrlSum> Control Sum M 1-18 Amount 30865.64
4 <InitgPty> Initiating Party M <InitgPty>
5 <Nm> Name M 1-140 ABC Corporation

Payment ID level

Lev ISO XML element Message Item Req Len Format Example, Description or element name
2 <PmtInf> PaymentInformation M <PmtInf>
3 <PmtInfId> PaymentInformationIdentification M <PmtInfId>
3 <PmtMtd> PaymentMethod M 3 List of codes TRF for DE, OTT, BPAY and RTGS. CHK for Cheques. See Specifying the payment method.
3 <NbOfTxs> NumberOfTransactions M 1-15 Numeric Total number of transactions within a Payment Information batch.
3 <CtrlSum> ControlSum O 1-18 Amount, including cents Optional to include. If included, value will be checked.
3 <PmtTpInf> PaymentTypeInformation M <PmtTpInf>
4 <InstrPrty> InstructionPriority M NORM NORM - all processed as normal priority.
4 <SvcLvl> ServiceLevel M <SvcLvl>
5 <Cd> Code O List of codes Use NURG for BPAY payments. Use URGP for OTT and RTGS transactions. Otherwise do not include. See Specifying the payment method.
4 <LclInstrm> LocalInstrument O <LclInstrm> Include these elements only for BPAY and OTT transactions
5 <Cd> Code O IN for OTT payments. Otherwise do not include. See Specifying the payment method.
5 <Prtry> Proprietary O Use BPAY for BPAY payments. Otherwise do not include. See Specifying the payment method.
3 <ReqdExctnDt> RequestedExecutionDate M yyyy-MM-dd The date that the payments in the batch will be sent for processing.
3 <Dbtr> Debtor M <Dbtr>
4 <Nm> Name M 1-140 Name of submitting customer, not used in validation.
4 <PstlAdr> Postal Address O Alphanumeric <PstlAdr>
5 <StrtNm> Street Name O Alphanumeric
5 <TwnNm> Town Name O Alphanumeric
5 <CtrySubDvsn> Country Subdivision (State) O Alphanumeric
5 <Ctry> Country O Alphanumeric
5 <AdrLine> Address Line O Alphanumeric
3 <DbtrAcct> DebtorAccount M <DbtrAcct> - this branch contains the funding account number
4 <Id> M 1-35 <Id>
5 <Othr> M <Othr>
6 <Id> M The account number
3 <DbtrAgt> DebtorAgent M <DbtrAgt> This branch contains the funding account BSB
4 <FinInstnId> M <FinInstnId>
5 <BIC> O Code WPACAU2S - is Westpac's BIC
5 <ClrSysMmbId> M <ClrSysMmbId>
6 <ClrSysId> M <ClrSysId>
6 <MmbId> M 1-35 BSB or NZ bank and branch code The funding BSB, e.g. 032000 or bank code + branch code for New Zealand.
5 <PstlAdr> O <PstlAdr>
6 <Ctry> M ISO country code For example AU
4 <BrnchId> M <BrnchId>
5 <Id> M The funding BSB for Australia, e.g. 032000 or bank code amd branch code for New Zealand.
3 <ChrgBr> ChargeBearer O List of codes Optionally used for OTT and RTGS to indicate who is paying the fees for the transaction, valid values are SLEV, SHAR

Transaction level

Lev ISO XML element Message Item Req Len Format Example, Description or element name
2 <CdtTrfTxInf> CreditTransferTransactionInformation M <CdtTrfTxInf>
3 <PmtId> PaymentIdentification M <PmtId>
4 <InstrId> InstructionIdentification O 1-35 Appears in pain.002.001.003 and on screens in PaymentsPlus but is not passed through to the recipient with the payment.
4 <EndToEndId> EndToEndIdentification M 1-18 Payment Reference. This value is sent with payment from debtor to creditor as it travels through the clearing system. Up to 18 characters for Australian payments, and up to 12 characters for New Zealand payments. For international payments, refer to International data limitations.
3 <Amt> Amount M `
4 <InstdAmt Ccy="AAA"> InstructedAmount M 1-10 Amount, currency specified. Maximum 9999999.99. Payment amount
3 <XchgRateInf> ExchangeRateInformation O 1-16 <XchgRateInf> - this block is optional, include if there is an exchange rate deal negotiated.
4 <XchgRate> ExchangeRate O 6-13
4 <RateTp> RateType O
4 <CtrctId> ContractIdentification O
3 <ChrgBr> ChargeBearer O 4 List of codes Optionally used for OTT and RTGS to indicate who is paying the fees for the transaction, valid values are SLEV, SHAR
3 <ChqInstr> ChequeInstruction O
4 <ChqTp> ChequeType O 4 List of codes BCHQ for Bank cheques CCHQ for Corporate cheques
4 <ChqNb> ChequeNumber O 1-7 Populate for corporate cheques
4 <DlvryMtd> DeliveryMethod O <DlvryMtd>
5 <Cd> Code O 4-6 List of codes See table for more details, valid values include: MLDB*, *MLCD*, *MLFA, CRDB, CRCD, CRFA, PUDB, PUCD, PUFA, RGDB, RGCD, RGFA*
4 <InstrPrty> InstructionPriority M 4 NORM NORM
4 <ChqMtrtyDt> ChequeMaturityDate O 10 yyyy-MM-dd E.g. 2018-12-14
4 <FrmsCd> FormsCode O 2 2 digits Remittance layout code, speak with your Westpac Implementation manager for valid values.
4 <MemoFld> MemoField O Alphanumeric Remittance footer value
4 <UltmtDbtr> UltimateDebtor O Can be included optionally, speak with your Westpac implementation manager if this is required.
4 <Nm> Name M Name of submitting customer, not used in validation.
4 <PstlAdr> Postal Address O Alphanumeric <PstlAdr>
3 <CdtrAgt> CreditorAgent O Populate Creditor Agent for bank account details of funding account if different at transaction level.
4 <FinInstnId> FinancialInstitutionIdentification O <FinInstnId>
5 <BIC> BIC O 8 or 11 exactly A valid BIC for OTT transactions. Otherwise do not include. See Specifying the account.
5 <ClrSysMmbId> ClearingSystemMemberIdentification O <ClrSysMmbId>
6 <ClrSysId> ClearingSystemIdentification O 1-10 <ClrSysId>
7 <Cd> Code O 5 List of codes AUBSB for OTT, RTGS, DE and BPAY transactions. Otherwise do not include. See Specifying the account.
7 <Prtry> Proprietary O
6 <MmbId> MemberIdentification O
5 <Nm> Name O
5 <PstlAdr> PostalAddress O <PstlAdr>
5 <BrnchId> BranchIdentification O
6 <Id> Identification O A valid Sort Code for OTT payments, a valid BSB for DE and RTGS payments; or a valid BPAY biller code for BPAY payments. Otherwise do not include. See Specifying the account.
3 <Cdtr> Creditor O
4 <Nm> Name O 1-140 140 Characters
5 <PstlAdr> PostalAddress O <PstlAdr>
6 <AdrTp> AddressType O
6 <Dept> Department O
6 <SubDept> SubDepartment O
6 <StrtNm> StreetName O The combined maximum length of <BldgNb> and <StrtNm> is 128 characters.
6 <BldgNb> BuildingNumber O The combined maximum length of <BldgNb> and <StrtNm> is 128 characters.
6 <PstCd> PostCode O 1-20
6 <TwnNm> TownName O 1-128
6 <CtrySubDvsn> CountrySubDivision O 1-35
6 <Ctry> Country O
6 <AdrLine> AddressLine O 1-128
3 <CdtrAcct> CreditorAccount O Include the recipient's account information.
4 <Id> Identification O
5 <IBAN> IBAN O 1-35 A valid IBAN for OTT and RTGS transactions. Otherwise do not include. See Specifying the account.
5 <Othr> Other O
6 <Id> Identification O 1-20 The account number for DE, OTT and RTGS transactions when an IBAN is not provided; or a valid CRN for BPAY payments. Otherwise do not include.
5 <Nm> Name O 1-128 Account name
3 <Tax> Tax O
4 <Cdtr> Creditor O
5 <TaxId> TaxIdentification O Alphanumeric Creditor's tax identification
3 <RltdRmtInf> RelatedRemittanceInformation O
4 <RmtId> RemittanceIdentification O
4 <RmtLctnMtd> RemittanceLocationMethod O 3-4 List of codes EMA for EMAIL, POST for mailed remittance.
4 <RmtLctnElctrncAdr> RemittanceLocationElectronicAddress O 1-20 for telephone numbers, 4-256 for email addresses. The telephone number, fax number or email address.
3 <RmtInf> RemittanceInformation O
4 <Ustrd> Unstructured O
5 <Strd> Structured O
6 <RfrdDocInf> ReferredDocumentInformation O
7 <Tp> Type O
8 <CdOrPrtry> CodeOrProprietary O
9 <Cd> Code O
9 <Prtry> Proprietary O
8 <Issr> Issuer O
7 <Nb> Number O
7 <RltdDt> RelatedDate O
6 <RfrdDocAmt> ReferredDocumentAmount O
7 <DuePyblAmt Ccy="AAA"> DuePayableAmount O
7 <DscntApldAmt Ccy="AAA"> DiscountAppliedAmount O
7 <CdtNoteAmt Ccy="AAA"> CreditNoteAmount O
7 <TaxAmt Ccy="AAA"> TaxAmount O
7 <AdjstmntAmtAndRsn> AdjustmentAmountAndReason O
8 <Amt Ccy="AAA"> Amount O
8 <CdtDbtInd> CreditDebitIndicator O
8 <Rsn> Reason O
8 <AddtlInf> AdditionalInformation O
8 <RmtdAmt Ccy="AAA"> RemittedAmount O
6 <CdtrRefInf> CreditorReferenceInformation O
7 <Ref> Reference O Invoice Number
6 <AddtlRmtInf> AdditionalRemittanceInformation O Extra remittance data can be passed through under this element, speak with your Westpac implementation manager if this is required.

Specifying the payment method

When specifying a payment channel varying pain.001.001.003 elements need to be populated. Refer to the tables below:

Australian payment channels

<PmtInf><DbtrAgt><FinInstnId><BIC> starts with WPACAU.

Payment Channel <PmtMtd> <PmtTpInf><SvcLvl><Cd> <PmtTpInf><LclInstrm><Cd> <PmtTpInf><LclInstrm><Prtry>
AU DE TRF NURG
AU RTGS TRF URGP
AU OTT TRF URGP IN
AU Cheque CHK NURG
AU BPay TRF NURG BPAY

New Zealand payment channels

<PmtInf><DbtrAgt><FinInstnId><BIC> starts with WPACNZ.

Payment Channel <PmtMtd> <PmtTpInf><SvcLvl><Cd> <PmtTpInf><LclInstrm><Cd>
NZ DE TRF NURG
NZ OTT TRF URGP IN
NZ Cheque CHK NURG

Specifying the account

Typically an IBAN is used for any of the 34 countries in the SEPA (Single Euro Payments Area).

For non-EUR countries only a SWIFT code and account number is necessary. If a vendor specifically asks to use a BSB/routing code, set it as the value of the element <CdtrAgt>\<FinInstnId>\<ClrSysMmbId>\<MmbId>. PaymentsPlus will decide if the BSB/routing code needs to be used or not for the payment.

Mappings:

  • IBAN: <CdtrAcct>\<Id>\<IBAN>
  • Australian BSB or New Zealand Bank Code and Branch Code: <CdtrAgt>\<FinInstnId>\<ClrSysMmbId>\<MmbId>
  • Account Number: <CdtrAcct>\<Id>\<Other>\<Id>

Sample files

See these pain.001.001.003 payment import files:

Direct Entry payment

<Document 
  xmlns:xsd="http://www.w3.org/2001/XMLSchema"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
  xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03">
  <CstmrCdtTrfInitn>
    <GrpHdr>
      <MsgId>1000044716</MsgId>
      <CreDtTm>2018-12-14T14:05:41</CreDtTm>
      <NbOfTxs>7</NbOfTxs>
      <CtrlSum>30865.64</CtrlSum>
      <InitgPty>
        <Nm>TEST PAYER</Nm>
      </InitgPty>
    </GrpHdr>
    <PmtInf>
      <PmtInfId>1000044716</PmtInfId>
      <PmtMtd>TRF</PmtMtd>
      <NbOfTxs>7</NbOfTxs>
      <CtrlSum>30865.64</CtrlSum>
      <PmtTpInf>
        <InstrPrty>NORM</InstrPrty>
        <SvcLvl>
          <Cd>NURG</Cd>
        </SvcLvl>
      </PmtTpInf>
      <ReqdExctnDt>2018-12-14</ReqdExctnDt>
      <Dbtr>
        <Nm>TEST PAYER</Nm>
        <PstlAdr>
          <StrtNm>Level 6, 123 Fake Street</StrtNm>
          <TwnNm>Melbourne</TwnNm>
          <CtrySubDvsn>VIC</CtrySubDvsn>
          <Ctry>AU</Ctry>
          <AdrLine>Test Name</AdrLine>
        </PstlAdr>
        <CtryOfRes>AU</CtryOfRes>
      </Dbtr>
      <DbtrAcct>
        <Id>
          <Othr>
            <Id>123465</Id>
          </Othr>
        </Id>
        <Ccy>AUD</Ccy>
      </DbtrAcct>
      <DbtrAgt>
        <FinInstnId>
          <BIC>WPACAU2S</BIC>
          <ClrSysMmbId>
            <MmbId>032-002</MmbId>
          </ClrSysMmbId>
          <PstlAdr>
            <Ctry>AU</Ctry>
          </PstlAdr>
        </FinInstnId>
        <BrnchId>
          <Id>303 Collins Street</Id>
        </BrnchId>
      </DbtrAgt>
      <CdtTrfTxInf>
        <PmtId>
          <InstrId>01-210045000139362019</InstrId>
          <EndToEndId>210045000139362019</EndToEndId>
        </PmtId>
        <Amt>
          <InstdAmt Ccy="AUD">67.38</InstdAmt>
        </Amt>
        <XchgRateInf>
          <XchgRate>1.00000</XchgRate>
        </XchgRateInf>
        <CdtrAgt>
          <FinInstnId>
            <ClrSysMmbId>
              <MmbId>032-002</MmbId>
            </ClrSysMmbId>
            <Nm>WBC</Nm>
            <PstlAdr>
              <Ctry>AU</Ctry>
            </PstlAdr>
          </FinInstnId>
          <BrnchId>
            <Id>Garden City</Id>
          </BrnchId>
        </CdtrAgt>
        <Cdtr>
          <Nm>CUSTOMER NAME</Nm>
          <PstlAdr>
            <PstCd>2601</PstCd>
            <TwnNm>Canberra City</TwnNm>
            <CtrySubDvsn>Aus</CtrySubDvsn>
            <Ctry>AU</Ctry>
          </PstlAdr>
          <Id>
            <OrgId>
              <Othr>
                <Id>CUSTOMER NAME-0000000001</Id>
              </Othr>
            </OrgId>
          </Id>
        </Cdtr>
        <CdtrAcct>
          <Id>
            <Othr>
              <Id>123465</Id>
            </Othr>
          </Id>
          <Nm>CUSTOMER NAME</Nm>
        </CdtrAcct>
        <Tax>
          <Dbtr>
            <TaxId>40069396792</TaxId>
          </Dbtr>
          <RefNb>NSAG_REIMB</RefNb>
          <Dt>2018-12-14</Dt>
          <Rcrd>
            <Tp>WHT</Tp>
            <TaxAmt>
              <TaxblBaseAmt Ccy="AUD">0.00</TaxblBaseAmt>
              <TtlAmt Ccy="AUD">0.00</TtlAmt>
            </TaxAmt>
          </Rcrd>
        </Tax>
      </CdtTrfTxInf>
      <CdtTrfTxInf>
        <PmtId>
          <InstrId>01-210045000139372019</InstrId>
          <EndToEndId>210045000139372019</EndToEndId>
        </PmtId>
        <Amt>
          <InstdAmt Ccy="AUD">18975.00</InstdAmt>
        </Amt>
        <XchgRateInf>
          <XchgRate>1.00000</XchgRate>
        </XchgRateInf>
        <CdtrAgt>
          <FinInstnId>
            <ClrSysMmbId>
              <MmbId>032-002</MmbId>
            </ClrSysMmbId>
            <Nm>WBC</Nm>
            <PstlAdr>
              <Ctry>AU</Ctry>
            </PstlAdr>
          </FinInstnId>
          <BrnchId>
            <Id>Royal Exchange</Id>
          </BrnchId>
        </CdtrAgt>
        <Cdtr>
          <Nm>CUSTOMER NAME</Nm>
          <PstlAdr>
            <PstCd>2010</PstCd>
            <TwnNm>SURRY HILLS</TwnNm>
            <CtrySubDvsn>New</CtrySubDvsn>
            <Ctry>AU</Ctry>
            <AdrLine>LEVEL 1, 123 FAKE STREET</AdrLine>
          </PstlAdr>
          <Id>
            <OrgId>
              <Othr>
                <Id>0000900796</Id>
              </Othr>
            </OrgId>
          </Id>
        </Cdtr>
        <CdtrAcct>
          <Id>
            <Othr>
              <Id>398127</Id>
            </Othr>
          </Id>
          <Nm>CUSTOMER NAME</Nm>
        </CdtrAcct>
        <Tax>
          <Dbtr>
            <TaxId>40069396792</TaxId>
          </Dbtr>
          <RefNb>INV1015560</RefNb>
          <Dt>2018-12-14</Dt>
          <Rcrd>
            <Tp>WHT</Tp>
            <TaxAmt>
              <TaxblBaseAmt Ccy="AUD">0.00</TaxblBaseAmt>
              <TtlAmt Ccy="AUD">0.00</TtlAmt>
            </TaxAmt>
          </Rcrd>
        </Tax>
      </CdtTrfTxInf>
    </PmtInf>
  </CstmrCdtTrfInitn>
</Document>

Cheque payment

<?xml version="1.0" encoding="UTF-8"?>
<Document
  xmlns:xsd="http://www.w3.org/2001/XMLSchema"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
  xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03">
  <CstmrCdtTrfInitn>
    <GrpHdr>
      <MsgId>1002279829</MsgId>
      <CreDtTm>2018-12-14T14:20:19</CreDtTm>
      <NbOfTxs>1</NbOfTxs>
      <CtrlSum>728.95</CtrlSum>
      <InitgPty>
        <Nm>TEST PAYER</Nm>
      </InitgPty>
    </GrpHdr>
    <PmtInf>
      <PmtInfId>12345678</PmtInfId>
      <PmtMtd>CHK</PmtMtd>
      <NbOfTxs>1</NbOfTxs>
      <CtrlSum>728.95</CtrlSum>
      <PmtTpInf>
        <InstrPrty>NORM</InstrPrty>
        <SvcLvl>
          <Cd>NURG</Cd>
        </SvcLvl>
      </PmtTpInf>
      <ReqdExctnDt>2018-12-14</ReqdExctnDt>
      <Dbtr>
        <Nm>TEST PAYER</Nm>
        <PstlAdr>
          <StrtNm>Lee Street</StrtNm>
          <TwnNm>Sydney</TwnNm>
          <CtrySubDvsn>NSW</CtrySubDvsn>
          <Ctry>AU</Ctry>
        </PstlAdr>
        <CtryOfRes>AU</CtryOfRes>
      </Dbtr>
      <DbtrAcct>
        <Id>
          <Othr>
            <Id>170489</Id>
          </Othr>
        </Id>
      </DbtrAcct>
      <DbtrAgt>
        <FinInstnId>
          <BIC>WPACAU2S</BIC>
          <ClrSysMmbId>
            <MmbId>032-001</MmbId>
          </ClrSysMmbId>
          <PstlAdr>
            <Ctry>AU</Ctry>
          </PstlAdr>
          <Othr>
            <Id>032</Id>
          </Othr>
        </FinInstnId>
        <BrnchId>
          <Id>032-001</Id>
        </BrnchId>
      </DbtrAgt>
      <CdtTrfTxInf>
        <PmtId>
          <InstrId>01-200000010004702019</InstrId>
          <EndToEndId>0001000470</EndToEndId>
        </PmtId>
        <Amt>
          <InstdAmt Ccy="AUD">728.95</InstdAmt>
        </Amt>
        <ChrgBr>SHAR</ChrgBr>
        <ChqInstr>
          <ChqTp>BCHQ</ChqTp>
          <ChqNb>1000470</ChqNb>
          <DlvryMtd>
            <Cd>MLCD</Cd>
          </DlvryMtd>
          <InstrPrty>NORM</InstrPrty>
          <ChqMtrtyDt>2018-12-14</ChqMtrtyDt>
          <FrmsCd>01</FrmsCd>
          <MemoFld>Retain document for tax purposes</MemoFld>
        </ChqInstr>
        <Cdtr>
          <Nm>TEST PAYER</Nm>
          <PstlAdr>
            <StrtNm>LOCKED BAG 1</StrtNm>
            <PstCd>2000</PstCd>
            <TwnNm>Sydney</TwnNm>
            <CtrySubDvsn>NSW</CtrySubDvsn>
            <Ctry>AU</Ctry>
          </PstlAdr>
          <Id>
            <OrgId>
              <Othr>
                <Id>0081000802</Id>
              </Othr>
            </OrgId>
          </Id>
        </Cdtr>
        <RltdRmtInf>
          <RmtLctnMtd>POST</RmtLctnMtd>
        </RltdRmtInf>
        <RmtInf>
          <Strd>
            <RfrdDocInf>
              <Tp>
                <CdOrPrtry>
                  <Cd>CINV</Cd>
                </CdOrPrtry>
              </Tp>
              <Nb>3100002653</Nb>
              <RltdDt>2018-12-12</RltdDt>
            </RfrdDocInf>
            <RfrdDocAmt>
              <DuePyblAmt Ccy="AUD">1457.40</DuePyblAmt>
              <AdjstmntAmtAndRsn>
                <Amt Ccy="AUD">0.00</Amt>
              </AdjstmntAmtAndRsn>
              <RmtdAmt Ccy="AUD">1457.40</RmtdAmt>
            </RfrdDocAmt>
            <CdtrRefInf>
              <Tp>
                <CdOrPrtry>
                  <Cd>SCOR</Cd>
                </CdOrPrtry>
                <Issr>ISO</Issr>
              </Tp>
              <Ref>HRPYM00006</Ref>
            </CdtrRefInf>
          </Strd>
          <Strd>
            <RfrdDocInf>
              <Tp>
                <CdOrPrtry>
                  <Cd>CREN</Cd>
                </CdOrPrtry>
              </Tp>
              <Nb>3100002653</Nb>
              <RltdDt>2018-12-12</RltdDt>
            </RfrdDocInf>
            <RfrdDocAmt>
              <CdtNoteAmt Ccy="AUD">728.45</CdtNoteAmt>
            </RfrdDocAmt>
            <CdtrRefInf>
              <Tp>
                <CdOrPrtry>
                  <Cd>SCOR</Cd>
                </CdOrPrtry>
                <Issr>ISO</Issr>
              </Tp>
              <Ref>HRPYM00006</Ref>
            </CdtrRefInf>
          </Strd>
        </RmtInf>
      </CdtTrfTxInf>
    </PmtInf>
  </CstmrCdtTrfInitn>
</Document>

BPAY payment

<?xml version="1.0"?>
<Document
  xmlns:xsd="http://www.w3.org/2001/XMLSchema"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
  xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03">
  <CstmrCdtTrfInitn>
    <GrpHdr>
      <MsgId>16</MsgId>
      <CreDtTm>2016-04-05T10:58:15.9515009+10:00</CreDtTm>
      <NbOfTxs>2</NbOfTxs>
      <CtrlSum>3.75</CtrlSum>
      <InitgPty>
        <Nm>TEST PAYER</Nm>
      </InitgPty>
    </GrpHdr>
    <PmtInf>
      <PmtInfId>16BPay</PmtInfId>
      <PmtMtd>TRF</PmtMtd>
      <NbOfTxs>2</NbOfTxs>
      <CtrlSum>3.75</CtrlSum>
      <PmtTpInf>
        <SvcLvl>
          <Cd>NURG</Cd>
        </SvcLvl>
        <LclInstrm>
          <Prtry>BPAY</Prtry>
        </LclInstrm>
      </PmtTpInf>
      <ReqdExctnDt>2016-04-05</ReqdExctnDt>
      <Dbtr>
        <Nm>TEST PAYER</Nm>
        <PstlAdr>
          <Ctry>AU</Ctry>
          <AdrLine>Australia</AdrLine>
        </PstlAdr>
      </Dbtr>
      <DbtrAcct>
        <Id>
          <Othr>
            <Id>123465</Id>
          </Othr>
        </Id>
        <Ccy>AUD</Ccy>
      </DbtrAcct>
      <DbtrAgt>
        <FinInstnId>
          <ClrSysMmbId>
            <ClrSysId>
              <Cd>AUBSB</Cd>
            </ClrSysId>
            <MmbId>032-002</MmbId>
          </ClrSysMmbId>
          <PstlAdr>
            <Ctry>AU</Ctry>
          </PstlAdr>
        </FinInstnId>
        <BrnchId>
          <Id>032-002</Id>
        </BrnchId>
      </DbtrAgt>
      <ChrgBr>SLEV</ChrgBr>
      <CdtTrfTxInf>
        <PmtId>
          <InstrId>74</InstrId>
          <EndToEndId>4072209021693770</EndToEndId>
        </PmtId>
        <Amt>
          <InstdAmt Ccy="AUD">1.50</InstdAmt>
        </Amt>
        <CdtrAgt>
          <FinInstnId>
            <ClrSysMmbId>
              <MmbId>6007</MmbId>
            </ClrSysMmbId>
          </FinInstnId>
        </CdtrAgt>
        <Cdtr>
          <Nm>4072209021693770</Nm>
          <PstlAdr>
            <Ctry>AU</Ctry>
            <AdrLine>AU</AdrLine>
          </PstlAdr>
        </Cdtr>
        <CdtrAcct>
          <Id>
            <Othr>
              <Id>4072209021693770</Id>
            </Othr>
          </Id>
        </CdtrAcct>
      </CdtTrfTxInf>
      <CdtTrfTxInf>
        <PmtId>
          <InstrId>75</InstrId>
          <EndToEndId>4072209021693770</EndToEndId>
        </PmtId>
        <Amt>
          <InstdAmt Ccy="AUD">2.25</InstdAmt>
        </Amt>
        <CdtrAgt>
          <FinInstnId>
            <ClrSysMmbId>
              <MmbId>6007</MmbId>
            </ClrSysMmbId>
          </FinInstnId>
        </CdtrAgt>
        <Cdtr>
          <Nm>4072209021693770</Nm>
          <PstlAdr>
            <Ctry>AU</Ctry>
            <AdrLine>AU</AdrLine>
          </PstlAdr>
        </Cdtr>
        <CdtrAcct>
          <Id>
            <Othr>
              <Id>4072209021693770</Id>
            </Othr>
          </Id>
        </CdtrAcct>
      </CdtTrfTxInf>
    </PmtInf>
  </CstmrCdtTrfInitn>
</Document>

OTT payment

<?xml version="1.0" encoding="UTF-8"?>
<Document
  xmlns:xsd="http://www.w3.org/2001/XMLSchema"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
  xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03">
  <CstmrCdtTrfInitn>
    <GrpHdr>
      <MsgId>1002278020</MsgId>
      <CreDtTm>2018-12-14T12:08:23</CreDtTm>
      <NbOfTxs>2</NbOfTxs>
      <CtrlSum>10903.00</CtrlSum>
      <InitgPty>
        <Nm>TEST PAYER</Nm>
      </InitgPty>
    </GrpHdr>
    <PmtInf>
      <PmtInfId>1002278020</PmtInfId>
      <PmtMtd>TRF</PmtMtd>
      <NbOfTxs>2</NbOfTxs>
      <CtrlSum>10903.00</CtrlSum>
      <PmtTpInf>
        <InstrPrty>NORM</InstrPrty>
        <SvcLvl>
          <Cd>URGP</Cd>
        </SvcLvl>
        <LclInstrm>
          <Cd>IN</Cd>
        </LclInstrm>
      </PmtTpInf>
      <ReqdExctnDt>2018-12-14</ReqdExctnDt>
      <Dbtr>
        <Nm>TEST PAYER</Nm>
        <PstlAdr>
          <StrtNm>Lee Street</StrtNm>
          <TwnNm>Sydney</TwnNm>
          <CtrySubDvsn>NSW</CtrySubDvsn>
          <Ctry>AU</Ctry>
        </PstlAdr>
        <CtryOfRes>AU</CtryOfRes>
      </Dbtr>
      <DbtrAcct>
        <Id>
          <Othr>
            <Id>123465</Id>
          </Othr>
        </Id>
      </DbtrAcct>
      <DbtrAgt>
        <FinInstnId>
          <BIC>WPACAU2S</BIC>
          <ClrSysMmbId>
            <MmbId>032-002</MmbId>
          </ClrSysMmbId>
          <PstlAdr>
            <Ctry>AU</Ctry>
          </PstlAdr>
          <Othr>
            <Id>032</Id>
          </Othr>
        </FinInstnId>
        <BrnchId>
          <Id>032-002</Id>
        </BrnchId>
      </DbtrAgt>
      <CdtTrfTxInf>
        <PmtId>
          <InstrId>01-100080002083662019</InstrId>
          <EndToEndId>8000208366</EndToEndId>
        </PmtId>
        <Amt>
          <InstdAmt Ccy="AUD">6830.00</InstdAmt>
        </Amt>
        <ChrgBr>SHAR</ChrgBr>
        <ChqInstr>
          <DlvryMtd>
            <Cd>MLCD</Cd>
          </DlvryMtd>
          <InstrPrty>NORM</InstrPrty>
          <FrmsCd>01</FrmsCd>
          <MemoFld>Retain document for tax purposes</MemoFld>
        </ChqInstr>
        <CdtrAgt>
          <FinInstnId>
            <BIC>GEBABEBB</BIC>
            <ClrSysMmbId>
              <MmbId>210</MmbId>
            </ClrSysMmbId>
            <Nm>BNP PARIBAS/ FORTIS BANK</Nm>
            <PstlAdr>
              <Ctry>BE</Ctry>
            </PstlAdr>
          </FinInstnId>
          <BrnchId>
            <Id>BRUSSELS</Id>
          </BrnchId>
        </CdtrAgt>
        <Cdtr>
          <Nm>CUSTOMER NAME</Nm>
          <PstlAdr>
            <PstCd>1000</PstCd>
            <TwnNm>TOWN</TwnNm>
            <CtrySubDvsn>11</CtrySubDvsn>
            <Ctry>BE</Ctry>
            <AdrLine>RUE CUSTOMER TOWN</AdrLine>
            <AdrLine>TOUR SABLON</AdrLine>
          </PstlAdr>
          <Id>
            <OrgId>
              <Othr>
                <Id>0020018400</Id>
              </Othr>
            </OrgId>
          </Id>
        </Cdtr>
        <CdtrAcct>
          <Id>
            <IBAN>BE85210047050106</IBAN>
          </Id>
          <Nm>CUSTOMER NAME</Nm>
        </CdtrAcct>
        <Tax>
          <Cdtr>
            <TaxId>BE0413393907</TaxId>
          </Cdtr>
        </Tax>
        <RltdRmtInf>
          <RmtLctnMtd>EMAL</RmtLctnMtd>
          <RmtLctnElctrncAdr>test@customer.com</RmtLctnElctrncAdr>
        </RltdRmtInf>
        <RmtInf>
          <Strd>
            <RfrdDocInf>
              <Tp>
                <CdOrPrtry>
                  <Cd>CINV</Cd>
                </CdOrPrtry>
              </Tp>
              <Nb>1900047129</Nb>
              <RltdDt>2018-11-15</RltdDt>
            </RfrdDocInf>
            <RfrdDocAmt>
              <DuePyblAmt Ccy="AUD">6830.00</DuePyblAmt>
              <AdjstmntAmtAndRsn>
                <Amt Ccy="AUD">0.00</Amt>
              </AdjstmntAmtAndRsn>
              <RmtdAmt Ccy="AUD">6830.00</RmtdAmt>
            </RfrdDocAmt>
            <CdtrRefInf>
              <Tp>
                <CdOrPrtry>
                  <Cd>SCOR</Cd>
                </CdOrPrtry>
                <Issr>ISO</Issr>
              </Tp>
              <Ref>3184000436</Ref>
            </CdtrRefInf>
          </Strd>
        </RmtInf>
      </CdtTrfTxInf>
      <CdtTrfTxInf>
        <PmtId>
          <InstrId>01-100080002083672019</InstrId>
          <EndToEndId>8000208367</EndToEndId>
        </PmtId>
        <Amt>
          <InstdAmt Ccy="AUD">4073.00</InstdAmt>
        </Amt>
        <ChrgBr>SHAR</ChrgBr>
        <ChqInstr>
          <DlvryMtd>
            <Cd>MLCD</Cd>
          </DlvryMtd>
          <InstrPrty>NORM</InstrPrty>
          <FrmsCd>01</FrmsCd>
          <MemoFld>Retain document for tax purposes</MemoFld>
        </ChqInstr>
        <CdtrAgt>
          <FinInstnId>
            <BIC>KBBECH22XXX</BIC>
            <ClrSysMmbId>
              <MmbId>00790</MmbId>
            </ClrSysMmbId>
            <Nm>Berner Kantonalbank AG</Nm>
            <PstlAdr>
              <Ctry>CH</Ctry>
            </PstlAdr>
          </FinInstnId>
        </CdtrAgt>
        <Cdtr>
          <Nm>CUSTOMER NAME</Nm>
          <PstlAdr>
            <StrtNm>132 NEUFELDSTRASSE</StrtNm>
            <PstCd>3012</PstCd>
            <TwnNm>BERN</TwnNm>
            <CtrySubDvsn>BE</CtrySubDvsn>
            <Ctry>CH</Ctry>
          </PstlAdr>
          <Id>
            <OrgId>
              <Othr>
                <Id>0020028401</Id>
              </Othr>
            </OrgId>
          </Id>
        </Cdtr>
        <CdtrAcct>
          <Id>
            <IBAN>CH8000790016271905163</IBAN>
          </Id>
          <Nm>CUSTOMER NAME</Nm>
        </CdtrAcct>
        <RltdRmtInf>
          <RmtLctnMtd>EMAL</RmtLctnMtd>
          <RmtLctnElctrncAdr>test@customer.com</RmtLctnElctrncAdr>
        </RltdRmtInf>
        <RmtInf>
          <Strd>
            <RfrdDocInf>
              <Tp>
                <CdOrPrtry>
                  <Cd>CINV</Cd>
                </CdOrPrtry>
              </Tp>
              <Nb>1900047542</Nb>
              <RltdDt>2018-10-28</RltdDt>
            </RfrdDocInf>
            <RfrdDocAmt>
              <DuePyblAmt Ccy="AUD">4073.00</DuePyblAmt>
              <AdjstmntAmtAndRsn>
                <Amt Ccy="AUD">0.00</Amt>
              </AdjstmntAmtAndRsn>
              <RmtdAmt Ccy="AUD">4073.00</RmtdAmt>
            </RfrdDocAmt>
            <CdtrRefInf>
              <Tp>
                <CdOrPrtry>
                  <Cd>SCOR</Cd>
                </CdOrPrtry>
                <Issr>ISO</Issr>
              </Tp>
              <Ref>2018-1202</Ref>
            </CdtrRefInf>
          </Strd>
        </RmtInf>
      </CdtTrfTxInf>
    </PmtInf>
  </CstmrCdtTrfInitn>
</Document>

RTGS payment

<?xml version="1.0" encoding="UTF-8"?>
<Document
  xmlns:xsd="http://www.w3.org/2001/XMLSchema"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
  xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03">
  <CstmrCdtTrfInitn>
    <GrpHdr>
      <MsgId>1002274824</MsgId>
      <CreDtTm>2018-12-13T13:02:01</CreDtTm>
      <NbOfTxs>1</NbOfTxs>
      <CtrlSum>20000000.00</CtrlSum>
      <InitgPty>
        <Nm>TEST PAYER</Nm>
      </InitgPty>
    </GrpHdr>
    <PmtInf>
      <PmtInfId>1002274824</PmtInfId>
      <PmtMtd>TRF</PmtMtd>
      <NbOfTxs>1</NbOfTxs>
      <CtrlSum>20000000.00</CtrlSum>
      <PmtTpInf>
        <InstrPrty>NORM</InstrPrty>
        <SvcLvl>
          <Cd>URGP</Cd>
        </SvcLvl>
      </PmtTpInf>
      <ReqdExctnDt>2018-12-13</ReqdExctnDt>
      <Dbtr>
        <Nm>TEST PAYER</Nm>
        <PstlAdr>
          <StrtNm>Lee Street</StrtNm>
          <TwnNm>Sydney</TwnNm>
          <CtrySubDvsn>NSW</CtrySubDvsn>
          <Ctry>AU</Ctry>
        </PstlAdr>
        <CtryOfRes>AU</CtryOfRes>
      </Dbtr>
      <DbtrAcct>
        <Id>
          <Othr>
            <Id>123465</Id>
          </Othr>
        </Id>
      </DbtrAcct>
      <DbtrAgt>
        <FinInstnId>
          <BIC>WPACAU2S</BIC>
          <ClrSysMmbId>
            <MmbId>032-002</MmbId>
          </ClrSysMmbId>
          <PstlAdr>
            <Ctry>AU</Ctry>
          </PstlAdr>
          <Othr>
            <Id>032</Id>
          </Othr>
        </FinInstnId>
        <BrnchId>
          <Id>032-002</Id>
        </BrnchId>
      </DbtrAgt>
      <CdtTrfTxInf>
        <PmtId>
          <InstrId>01-100080002081682019</InstrId>
          <EndToEndId>8000208168</EndToEndId>
        </PmtId>
        <Amt>
          <InstdAmt Ccy="AUD">20000000.00</InstdAmt>
        </Amt>
        <ChrgBr>SHAR</ChrgBr>
        <ChqInstr>
          <DlvryMtd>
            <Cd>MLCD</Cd>
          </DlvryMtd>
          <InstrPrty>NORM</InstrPrty>
          <FrmsCd>01</FrmsCd>
          <MemoFld>Retain document for tax purposes</MemoFld>
        </ChqInstr>
        <UltmtDbtr>
          <Nm>TEST PAYER</Nm>
          <PstlAdr>
            <StrtNm>Test Street</StrtNm>
            <TwnNm>Sydney</TwnNm>
            <CtrySubDvsn>NSW</CtrySubDvsn>
            <Ctry>AU</Ctry>
          </PstlAdr>
          <CtryOfRes>AU</CtryOfRes>
        </UltmtDbtr>
        <CdtrAgt>
          <FinInstnId>
            <BIC>WPACAU2S</BIC>
            <ClrSysMmbId>
              <MmbId>032-002</MmbId>
            </ClrSysMmbId>
            <Nm>Test WBC</Nm>
            <PstlAdr>
              <Ctry>AU</Ctry>
            </PstlAdr>
          </FinInstnId>
        </CdtrAgt>
        <Cdtr>
          <Nm>TESt PAYER</Nm>
          <PstlAdr>
            <StrtNm>18 Test Street</StrtNm>
            <PstCd>2008</PstCd>
            <TwnNm>Chippendale</TwnNm>
            <CtrySubDvsn>NSW</CtrySubDvsn>
            <Ctry>AU</Ctry>
          </PstlAdr>
        </Cdtr>
        <CdtrAcct>
          <Id>
            <Othr>
              <Id>123465</Id>
            </Othr>
          </Id>
          <Nm>TEST PAYER</Nm>
        </CdtrAcct>
        <UltmtCdtr>
          <PstlAdr>
            <StrtNm>18 Test Street</StrtNm>
            <PstCd>2008</PstCd>
            <TwnNm>Chippendale</TwnNm>
            <CtrySubDvsn>NSW</CtrySubDvsn>
            <Ctry>AU</Ctry>
            <AdrLine>18 Test Street</AdrLine>
          </PstlAdr>
        </UltmtCdtr>
        <InstrForCdtrAgt>
          <InstrInf>Test BS13.12.18</InstrInf>
        </InstrForCdtrAgt>
        <RmtInf>
          <Strd>
            <RfrdDocInf>
              <Tp>
                <CdOrPrtry>
                  <Cd>CINV</Cd>
                </CdOrPrtry>
              </Tp>
            </RfrdDocInf>
            <RfrdDocAmt>
              <DuePyblAmt Ccy="AUD">20000000.00</DuePyblAmt>
              <AdjstmntAmtAndRsn>
                <Amt Ccy="AUD">0.00</Amt>
              </AdjstmntAmtAndRsn>
              <RmtdAmt Ccy="AUD">20000000.00</RmtdAmt>
            </RfrdDocAmt>
            <CdtrRefInf>
              <Tp>
                <CdOrPrtry>
                  <Cd>SCOR</Cd>
                </CdOrPrtry>
                <Issr>ISO</Issr>
              </Tp>
            </CdtrRefInf>
          </Strd>
        </RmtInf>
      </CdtTrfTxInf>
    </PmtInf>
  </CstmrCdtTrfInitn>
</Document>

pain.002.001.003

PaymentsPlus responds to a pain.001.001.003 with three levels of pain.002.001.003 messages.

  1. An immediate response at the "Group level" once the file is validated
  2. A response after the file has been submitted to the bank for processing. This may be later if a delayed execution date is specified.
  3. A response once the transactions are processed and their status is known.

The levels are explained below.

Diagram explaining the three levels of response in a PAIN.002 message

Level 1 - File acknowledgement

An immediate response at the file level. Note that after this point a file may be split into many payment batches.

  • If successful: PaymentsPlus accepts the file for processing.
  • If not successful: You will need to look at the error inside the response, then fix and re-submit the entire file.

Level 2 - Payments sent out

A response after PaymentsPlus submits the payment batch to the bank for processing. PaymentsPlus sends this for scenarios involving future dated payments on the value date or authorisation. This response is optional.

  • If successful: PaymentsPlus submits the payment batch to the wider banking system.
  • If not successful: PaymentsPlus rejected the payment batch or it was manually cancelled. Re-submit the entire payment batch. Note: other batches in the original file may have been successful.

Level 3 - Payment result

A response after the banking network processed the transactions and the remote bank reported their status.

  • If successful: The remote bank accepted the individual payment. Note: this does not necessarily mean that the funds are settled at this point.
  • If not successful: Inspect the error for each individual failed transaction and re-try that payment.

Specification

A response file will be produced for each input file provided into PaymentsPlus. Additional remittance files may be produced to update payments which have been subsequently declined by other financial institutions.

Lev ISO element Description Example, element name where no value
2 <CstmrPmtStsRpt>
3 <GrpHdr> Group Header
4 <MsgId> MessageIdentification BBBB/120928-PSR/001
4 <CreDtTm> CreationDateTime 2018-09-28T14:09:00
4 <InitgPty> InitiatingParty
5 <Nm> Name ABC Corporation
5 <PstlAdr> PostalAddress
6 <StrtNm> StreetName Times Square
6 <BldgNb> BuildingNumber 7
6 <PstCd> PostCode NY 10036
6 <TwnNm> TownName New York
6 <Ctry> Country US
3 <DbtrAgt> DebtorAgent
4 <FinInstnId> FinancialInstitutionIdentification
4 <BICFI> BICFI BBBBUS33
3 <OrgnlGrpInfAndSts> OriginalGroupInformationAndStatus
4 <OrgnlMsgId> OriginalMessageIdentification ABC/120928/CCT001
4 <OrgnlMsgNmId> OriginalMessageNameIdentification pain.001.001.03
4 <OrgnlCreDtTm> OriginalCreationDateTime 2018-09-28T14:07:00
4 <OrgnlNbOfTxs> OriginalNumberOfTransactions 3
4 <OrgnlCtrlSm> OriginalControlSum 1.1500.000
4 <GrpsSts> GroupStatus ACCP

Sample file

<Document 
    xmlns="urn:iso:std:iso:20022:tech:xsd:pain.002.001.03" 
    xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <CstmrPmtStsRpt>
    <GrpHdr>
      <MsgId>8533133934</MsgId>
      <CreDtTm>2018-12-14T15:01:53</CreDtTm>
      <InitgPty>
        <Nm>TESTPAYER</Nm>
      </InitgPty>
    </GrpHdr>
    <OrgnlGrpInfAndSts>
      <OrgnlMsgId>1002279829</OrgnlMsgId>
      <OrgnlMsgNmId>pain.001.001.03</OrgnlMsgNmId>
      <OrgnlCreDtTm>2018-12-14T14:20:19</OrgnlCreDtTm>
      <OrgnlNbOfTxs>1</OrgnlNbOfTxs>
      <OrgnlCtrlSum>728.95</OrgnlCtrlSum>
    </OrgnlGrpInfAndSts>
    <OrgnlPmtInfAndSts>
      <OrgnlPmtInfId>1002279930</OrgnlPmtInfId>
      <PmtInfSts>ACSP</PmtInfSts>
      <TxInfAndSts>
        <StsId>2325063353</StsId>
        <OrgnlInstrId>01-200000010004702019</OrgnlInstrId>
        <OrgnlEndToEndId>0001000470</OrgnlEndToEndId>
        <TxSts>ACSP</TxSts>
      </TxInfAndSts>
    </OrgnlPmtInfAndSts>
  </CstmrPmtStsRpt>
</Document>