cafr.001 Fraud Reporting Initiation

What cafr.001 is for

cafr.001 versions

Every version published in the e-Repository, newest first. A message keeps its business purpose across versions; each new version is a separate schema with its own namespace.

cafr.001 message structure

The building blocks of cafr.001.001.03 and the elements directly under them, with multiplicity ([0..1] optional, [1..1] mandatory, * any number) and the data type or component. Element names and definitions are from the ISO 20022 repository; usage guidelines such as CBPR+ or a market infrastructure's rules can restrict them further.

• Document [1..1]
  • FrdRptgInitn FraudReportingInitiation [1..1]
    • Hdr Header [1..1]Header71

      Information related to the management of the protocol.

      • MsgFctn Message Function [1..1]ExternalMessageFunction1Code

        Identifies the type of process related to the message.

      • PrtcolVrsn Protocol Version [1..1]Max2048Text

        Version of the acquirer to issuer protocol specifications.

      • XchgId Exchange Identification [0..1]Max35Text

        Unique identification of an exchange of messages between two parties.

      • ReTrnsmssnCntr Re Transmission Counter [0..1]Max3NumericText

        Number of retransmission of the message.

      • CreDtTm Creation Date Time [1..1]ISODateTime

        Date and time at which the message was sent.

      • BtchMgmtInf Batch Management Information [0..1]BatchManagementInformation1

        Information related to the batch and the collection to which the message belongs if any.

      • InitgPty Initiating Party [1..1]GenericIdentification183

        Unique identification of the partner that has initiated the exchange.

      • RcptPty Recipient Party [0..1]GenericIdentification183

        Unique identification of the partner that is the recipient of the message exchange.

      • TracData Trace Data [0..*]AdditionalData1

        Information sent in the request message to be returned in the response one, for instance to help in the retrieval of the context of the exchange.

      • Tracblt Traceability [0..*]Traceability10

        Identification of partners involved in exchange from the merchant to the issuer, with the relative timestamp of their exchanges.

    • RptdFrd Reported Fraud [1..1]ReportedFraud4

      Fraud reporting type information.

      • Tp Type [1..1]FraudType1Code

        Type of fraud for which a report is established.

      • OthrTp Other Type [0..1]Max35Text

        Other type of fraud.

      • Actn Action [1..1]FraudReportingAction1Code

        Identifies the type of fraud reporting action.

      • OthrActn Other Action [0..1]Max35Text

        Other type of the fraud reporting action.

      • RptgNtty Reporting Entity [1..1]PartyType26Code

        Type of fraud reporting entity.

      • OthrRptgNtty Other Reporting Entity [0..1]Max35Text

        Other type of fraud reporting entity.

      • CmprmsdCrdntl Compromised Credential [0..*]AuthenticationMethod12Code

        Identifies the type of cardholder credential that was compromised.

      • CrdhldrRptgDt Cardholder Reporting Date [0..1]ISODate

        Date of fraud as reported by the cardholder

      • ConfRptgDt Confirmation Reporting Date [0..1]ISODate

        Date fraud was confirmed by the cardholder.

      • SubmitrCaseRef Submitter Case Reference [0..1]Max35Text

        Reference to the case as provided by the submitter.

      • MktSgmt Market Segment [0..1]Max35Text

        Type of market segment of confirmed fraud.

      • CaseLctrNb Case Locator Number [0..1]Max35Text

        Case locator number.

      • CaseRef Case Reference [0..1]Max35Text

        Reference of fraudulent case.

      • Arrst Arrest [0..1]TrueFalseIndicator

        Indicates whether the party that committed fraud was arrested or not.

      • InvstgtnSts Investigation Status [0..1]Max256Text

        Investigation status at time of submission.

    • Orgtr Originator [0..1]PartyIdentification286

      Identifies the originator of the transaction.

      • Id Identification [1..1]Max11NumericText

        Identification of the party.

      • Assgnr Assigner [0..1]Max35Text

        Entity in charge of assigning an identification to a party.

      • Ctry Country [0..1]ISO3NumericCountryCode

        Country of the party.

      • ShrtNm Short Name [0..1]Max35Text

        Short name of the party.

      • LglCorpNm Legal Corporate Name [0..1]Max99Text

        Legal Corporate Name of the party

      • AddtlId Additional Identification [0..*]AdditionalData1

        Additional identification of the party.

      • LclData Local Data [0..1]LocalData14

        Contains local language equivalent(s) of data in the current component.

    • Acqrr Acquirer [0..1]PartyIdentification286

      Identification of the acquirer.

      • Id Identification [1..1]Max11NumericText

        Identification of the party.

      • Assgnr Assigner [0..1]Max35Text

        Entity in charge of assigning an identification to a party.

      • Ctry Country [0..1]ISO3NumericCountryCode

        Country of the party.

      • ShrtNm Short Name [0..1]Max35Text

        Short name of the party.

      • LglCorpNm Legal Corporate Name [0..1]Max99Text

        Legal Corporate Name of the party

      • AddtlId Additional Identification [0..*]AdditionalData1

        Additional identification of the party.

      • LclData Local Data [0..1]LocalData14

        Contains local language equivalent(s) of data in the current component.

    • Sndr Sender [0..1]PartyIdentification286

      Party sending the message to another intermediary agent or to the final destination.

      • Id Identification [1..1]Max11NumericText

        Identification of the party.

      • Assgnr Assigner [0..1]Max35Text

        Entity in charge of assigning an identification to a party.

      • Ctry Country [0..1]ISO3NumericCountryCode

        Country of the party.

      • ShrtNm Short Name [0..1]Max35Text

        Short name of the party.

      • LglCorpNm Legal Corporate Name [0..1]Max99Text

        Legal Corporate Name of the party

      • AddtlId Additional Identification [0..*]AdditionalData1

        Additional identification of the party.

      • LclData Local Data [0..1]LocalData14

        Contains local language equivalent(s) of data in the current component.

    • Card Card [0..1]CardData15

      Card or payment token performing the transaction.

      • PAN PAN [0..1]Max19NumericText

        Primary Account Number (PAN) of the card or a surrogate of the PAN such as a payment token.

      • PrtctdPAN Protected PAN [0..1]TrueFalseIndicator

        To indicate whether the PAN is using ProtectedData for encryption or not.

      • CardSeqNb Card Sequence Number [0..1]Min2Max3NumericText

        Distinguishes between instances of the same payment card.

      • FctvDt Effective Date [0..1]ISOYearMonth

        Date as from which the card can be used, expressed in one of the following formats: YYYY-MM-DD, YYYY-MM, YY-MM-DD.

      • XpryDt Expiry Date [0..1]ISOYearMonth

        Expiry date of the card or payment token.

      • PmtAcctRef Payment Account Reference [0..1]Max35Text

        Unique non-financial reference assigned to a given PAN.

      • PANRefIdr PAN Reference Identifier [0..1]Max35Text

        PAN reference identifier.

      • PANAcctRg PAN Account Range [0..1]Max19NumericText

        Leading digits of the PAN that identifies the card portfolio (for example, Issuer Identification Number).

      • Ctry Country [0..1]ISO3NumericCountryCode

        Country code assigned to the card by the card issuer.

      • PdctTp Product Type [0..1]Max35Text

        Type of card product.

      • PdctSubTp Product Sub Type [0..1]Max35Text

        Sub type of card product.

      • PrtflIdr Portfolio Identifier [0..1]Max35Text

        Identifies the card portfolio.

      • AddtlData Additional Data [0..*]AdditionalData1

        Additional card issuer specific data.

    • FrdlntTxData Fraudulent Transaction Data [1..1]FraudulentTransactionData3

      Data pertaining to fraudulent reported transaction.

      • Authstn Authorisation [0..1]TrueFalseIndicator

        Indicates whether the transaction was authorised or not.

      • AuthstnNtty Authorisation Entity [0..1]PartyType26Code

        Indicates the entity which authorised the transaction (if relevant).

      • OthrAuthstnNtty Other Authorisation Entity [0..1]Max35Text

        Other type of authorisation entity.

      • PresntmntCycl Presentment Cycle [0..1]Exact1NumericText

        Indicates the cycle of presentment or of the chargeback (1= first cycle for chargeback, 2= second cycle of presentment or chargeback, etc.).

      • DsptCond Dispute Condition [0..1]Max35Text

        Condition of the dispute.

      • DsptRef Dispute Reference [0..*]DisputeReference1

        Reference for the dispute.

      • MsgRsn Message Reason [0..*]ISO8583MessageReasonCode

        Reason for sending the message.

      • AltrnMsgRsn Alternate Message Reason [0..*]Max35Text

        Supports message reason codes that are not defined in external code list.

      • FrdlntMsg Fraudulent Message [0..1]Max100KBinary

        Complete or partial details of the original message identified as fraudulent.

    • Rcvr Receiver [0..1]PartyIdentification286

      Party receiving the message from the origin or from an intermediary agent.

      • Id Identification [1..1]Max11NumericText

        Identification of the party.

      • Assgnr Assigner [0..1]Max35Text

        Entity in charge of assigning an identification to a party.

      • Ctry Country [0..1]ISO3NumericCountryCode

        Country of the party.

      • ShrtNm Short Name [0..1]Max35Text

        Short name of the party.

      • LglCorpNm Legal Corporate Name [0..1]Max99Text

        Legal Corporate Name of the party

      • AddtlId Additional Identification [0..*]AdditionalData1

        Additional identification of the party.

      • LclData Local Data [0..1]LocalData14

        Contains local language equivalent(s) of data in the current component.

    • Issr Issuer [0..1]PartyIdentification286

      Information related to the issuer.

      • Id Identification [1..1]Max11NumericText

        Identification of the party.

      • Assgnr Assigner [0..1]Max35Text

        Entity in charge of assigning an identification to a party.

      • Ctry Country [0..1]ISO3NumericCountryCode

        Country of the party.

      • ShrtNm Short Name [0..1]Max35Text

        Short name of the party.

      • LglCorpNm Legal Corporate Name [0..1]Max99Text

        Legal Corporate Name of the party

      • AddtlId Additional Identification [0..*]AdditionalData1

        Additional identification of the party.

      • LclData Local Data [0..1]LocalData14

        Contains local language equivalent(s) of data in the current component.

    • Dstn Destination [0..1]PartyIdentification286

      Identifies the destination of the transaction.

      • Id Identification [1..1]Max11NumericText

        Identification of the party.

      • Assgnr Assigner [0..1]Max35Text

        Entity in charge of assigning an identification to a party.

      • Ctry Country [0..1]ISO3NumericCountryCode

        Country of the party.

      • ShrtNm Short Name [0..1]Max35Text

        Short name of the party.

      • LglCorpNm Legal Corporate Name [0..1]Max99Text

        Legal Corporate Name of the party

      • AddtlId Additional Identification [0..*]AdditionalData1

        Additional identification of the party.

      • LclData Local Data [0..1]LocalData14

        Contains local language equivalent(s) of data in the current component.

    • Prgrmm Programme [0..1]ProgrammeMode5

      Programme, network, or brand processes the transaction.

      • ApldId Applied Identification [1..1]Max35Text

        Identification of the programme, network, or brand applied to the transaction.

      • AddtlId Additional Identification [0..*]AdditionalData1

        Additional identification of the program, network, or brand processed the transaction.

    • FrdTxId Fraud Transaction Identification [1..1]Max70Text

      Identification of the transaction reporting the fraud.

    • CardNotRcvdDtls Card Not Received Details [0..1]CardNotReceivedDetails3

      Details of a not-received card.

      • DtMld Date Mailed [1..1]ISODate

        Date of card when mailed to the cardholder.

      • MlngAdr Mailing Address [0..1]Address2

        Address where card was mailed to.

      • MlngAdrUstrd Mailing Address Unstructured [0..1]Max256Text

        Unstructured mailing address where card was mailed to.

      • MldFrPstlCd Mailed From Postal Code [1..1]Max16Text

        Postal code where the card was mailed from.

      • VldFr Valid From [0..1]ISODate

        Date of the beginning of validation of the card.

      • CardSctyCd Card Security Code [0..1]TrueFalseIndicator

        Indicates whether card provides a Card Security Code.

      • CardSctyCpblty Card Security Capability [0..*]CardSecurityCapability1

        Identifies the security capabilities of the card.

    • TxCrdhldrNm Transaction Cardholder Name [0..1]CardholderName3

      Transaction cardholder name as it appears on the card.

      • Nm Name [0..1]Max70Text

        Name of the cardholder, which is usually the full name.

      • GvnNm Given Name [0..1]Max35Text

        First name of the cardholder.

      • MddlNm Middle Name [0..1]Max35Text

        Middle name or initials present in the name of a person.

      • LastNm Last Name [0..1]Max35Text

        Family name of the cardholder.

    • AddtlInf Additional Information [0..*]AdditionalInformation22

      Additional information relevant for the settlement report.

      • Rcpt Recipient [0..1]PartyType19Code

        Recipient of the additional information to display, print, send or store.

      • Trgt Target [0..*]UserInterface8Code

        Target of the additional information to print, display, send or store.

      • Frmt Format [0..1]OutputFormat4Code

        Format of the additional information.

      • Tp Type [0..1]Max35Text

        Defines the type of the value.

      • Val Value [1..1]Max20KText

        Content of or reference to the message.

    • LclData Local Data [0..1]LocalData16

      Contains text fields in the local language.

      • Lang Language [1..1]ISOMax3ALanguageCode

        The language code conforming to ISO 639-1 that identifies the language in which the fields are expressed in this component.

      • NcodgFrmt Encoding Format [0..1]Max35Text

        Data encoding format for local data.

      • MlngAdr Mailing Address [0..1]LocalAddress1

        For cases where the card was not received, contains the local language equivalent of where the card was mailed to.

      • MlngAdrUstrd Mailing Address Unstructured [0..1]Max512Text

        For cases where the card was not received, contains the local language equivalent of the Unstructured mailing address where the card was mailed to.

      • MldFrPstlCd Mailed From Postal Code [0..1]Max35Text

        For cases where the card was not received, contains the local language equivalent of the postal code where the card was mailed from.

      • CrdhldrNm Cardholder Name [0..1]CardholderName2

        Local language equivalent of the Cardholder name.

      • AddtlInf Additional Information [0..*]AdditionalInformation22

        Additional information relevant for the settlement report.

      • AddtlData Additional Data [0..*]AdditionalData1

        Additional local language data

    • Tkn Token [0..1]Token2

      Details of payment token.

      • PmtTkn Payment Token [0..1]Max19NumericText

        Surrogate value of the PAN.

      • TknXpryDt Token Expiry Date [0..1]ISOYearMonth

        Expiry date of the payment token.

      • TknRqstrId Token Requestor Identification [0..1]Max11NumericText

        Identification of a party requesting a token.

      • TknAssrncData Token Assurance Data [0..1]Max140Text

        Supporting information for the Token Assurance Method.

      • TknAssrncMtd Token Assurance Method [0..1]Max2NumericText

        Value that allows a Token Service Provider to indicate the identification and verification performed representing the binding of the payment token to...

      • TknInittdInd Token Initiated Indicator [0..1]TrueFalseIndicator

        Original transaction was initiated by Token.

      • StorgLctn Storage Location [0..1]StorageLocation1Code

        Storage location of the token.

      • OthrStorgLctn Other Storage Location [0..1]Max35Text

        Other private or national storage location code.

      • PrtcnMtd Protection Method [0..1]ProtectionMethod1Code

        Method used to protect the token.

      • OthrPrtcnMtd Other Protection Method [0..1]Max35Text

        Other national or private protection method code.

      • AddtlData Additional Data [0..*]AdditionalData1

        Additional token data.

    • Crdhldr Cardholder [0..1]Cardholder22

      Cardholder performing the card payment transaction.

      • Nm Name [0..1]CardholderName3

        Contains the registered cardholder name that issuer knows to be correct.

      • Id Identification [0..*]Credentials3

        Identification of the cardholder.

      • Adr Address [0..1]Address2

        Complete address of the cardholder.

      • CtctInf Contact Information [0..1]ContactPersonal1

        Contact information.

      • DtOfBirth Date Of Birth [0..1]ISODate

        Date of birth of the party.

      • HghVal High Value [0..1]TrueFalseIndicator

        Identifies a cardholder that is a highly valued individual (e.g., Very Important Person).

      • AddtlData Additional Data [0..*]AdditionalData1

        Additional cardholder data.

      • LclData Local Data [0..1]LocalData13

        Contains text fields in the local language.

    • Jursdctn Jurisdiction [0..1]Jurisdiction2

      Contains information that identifies or is specific to a transaction jurisdiction.

      • DmstInd Domestic Indicator [0..1]TrueFalseIndicator

        When true, indicates the transaction is considered to be domestic.

      • DmstQlfctn Domestic Qualification [0..1]Max35Text

        Identifies the reason the transaction is considered to be domestic or non-domestic.

    • SttlmSvc Settlement Service [0..1]SettlementService6

      Type of settlement service for specific services requiring settlement.

      • Tp Type [0..1]Max35Text

        Type of settlement service applied

      • Id Identification [0..1]Max35Text

        Identification of settlement service applied.

      • ReqdDt Requested Date [0..1]ISODate

        Date requested for settlement.

      • Dfrrd Deferred [0..1]TrueFalseIndicator

        Indicate a deferred Settlement date.

      • Dt Date [0..1]ISODate

        Actual date of settlement.

      • Tm Time [0..1]ISOTime

        Actual time of settlement.

      • Prd Period [0..1]Max35Text

        Identifies the settlement period, cycle or group.

      • CutOffTm Cut Off Time [0..1]ISODateTime

        Identifies the effective end time of the settlement date and/or period.

      • RptgNttyTp Reporting Entity Type [0..1]Max35Text

        Identifies the type of settlement reporting entity

      • RptgNttyId Reporting Entity Identification [0..1]Max35Text

        Identification of the settlement reporting entity.

      • AddtlInf Additional Information [0..*]AdditionalData1

        Additional Settlement Information.

    • AddtlFee Additional Fee [0..*]AdditionalFee3

      Fees not included in the transaction amount.

      • Tp Type [1..1]TypeOfAmount21Code

        Type or class of fee.

      • OthrTp Other Type [0..1]Max35Text

        Additional information to specify the type of amount of fee.

      • Prgm Program [0..1]Max35Text

        Identification of fee program.

      • Dscrptr Descriptor [0..1]Max35Text

        Identification of specific fee.

      • CdtDbt Credit Debit [0..1]CreditDebit3Code

        Contains code list for a credit or debit transaction

      • Amt Amount [1..1]ImpliedCurrencyAndAmount

        Amount exclusive of currency.

      • Ccy Currency [0..1]ISO3NumericCurrencyCode

        Currency for the type of amount.

      • RcncltnAmt Reconciliation Amount [0..1]ImpliedCurrencyAndAmount

        Amount of the transaction in Reconciliation currency

      • RcncltnCcy Reconciliation Currency [0..1]ISO3NumericCurrencyCode

        Currency code of Reconciliation and associated with Reconciliation amount.

      • RcncltnFctvXchgRate Reconciliation Effective Exchange Rate [0..1]BaseOne25Rate

        Effective exchange rate used in the conversion from transaction amount to reconciliation amount.

      • Assgnr Assigner [0..1]PartyType32Code

        A code to identify the type of party who assign the fee.

      • OthrAssgnr Other Assigner [0..1]Max35Text

        Other type of party that assign the fee.

      • Desc Description [0..1]Max140Text

        Short description of the fee amount.

    • Rcncltn Reconciliation [0..1]Reconciliation4

      Identification of the reconciliation period between the acquirer and the issuer or their respective agents.

      • Id Identification [0..1]Max35Text

        Identification of the reconciliation.

      • Dt Date [0..1]ISODate

        Date of the reconciliation.

      • ChckptRef Checkpoint Reference [0..1]Max35Text

        A value used to allow a period within a reconciliation date.

    • AddtlData Additional Data [0..*]AdditionalData2

      Contains additional data.

      • Tp Type [0..1]Max35Text

        Type of information.

      • Dtls Details [0..*]AdditionalData1

        Detail of the specific type of data.

    • PrtctdData Protected Data [0..*]ProtectedData2

      Contains protected data and the attributes used to protect the data.

      • CnttTp Content Type [1..1]ContentType3Code

        Type of data protection.

      • EnvlpdData Enveloped Data [0..1]EnvelopedData12

        Consists of an encrypted content of any type and encrypted content-encryption keys for one or more recipients.

      • NcrptdData Encrypted Data [0..1]EncryptedData2

        Contains encrypted data and the attributes used to encrypt the data using the ISO 13492 methods for data encryption.

    • SplmtryData Supplementary Data [0..*]SupplementaryData1

      Additional information that can not be captured in the structured fields and/or other specific block.

      • PlcAndNm Place And Name [0..1]Max350Text

        Unambiguous reference to the location where the supplementary data must be inserted in the message instance.

      • Envlp Envelope [1..1]SupplementaryDataEnvelope1

        Technical element wrapping the supplementary data.

    • SctyTrlr Security Trailer [0..1]ContentInformationType41

      Trailer of the message containing a MAC

      • MACData MAC Data [1..1]MACData1

        Type of data protection.

      • MAC MAC [1..1]Max8HexBinaryText

        Message Authentication Code data.

Have a cafr.001 message? Paste it into the parser to see every element with its name and definition, and format checks on BICs, IBANs, dates and amounts.

External code sets used in cafr.001

These elements take their values from ISO 20022 external code sets, which are published separately and updated every quarter without a new message version.

• ExternalAuthenticationMethod1Code68 codes
• ExternalMessageFunction1Code14 codes

Related fraud reporting and disposition messages

• cafr.002Fraud Reporting Response
• cafr.003Fraud Disposition Initiation
• cafr.004Fraud Disposition Response

cafr.001 questions

What is the latest version of cafr.001?

The latest version in the ISO 20022 e-Repository release of 24 April 2025 is cafr.001.001.03.

What is the root element of cafr.001?

The XML document is Document with the namespace urn:iso:std:iso:20022:tech:xsd:cafr.001.001.03, and its message element is FrdRptgInitn (FraudReportingInitiation).

Is there an MT equivalent of cafr.001?

No Swift MT message is listed as its direct equivalent on this site. Many ISO 20022 messages have no MT counterpart.