What is the latest version of cafr.003?

The latest version in the ISO 20022 e-Repository release of 24 April 2025 is cafr.003.001.03.

What is the root element of cafr.003?

The XML document is Document with the namespace urn:iso:std:iso:20022:tech:xsd:cafr.003.001.03, and its message element is FrdDspstnInitn (FraudDispositionInitiation).

Is there an MT equivalent of cafr.003?

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

cafr: Fraud Reporting and Disposition

cafr.003 Fraud Disposition Initiation

Written and maintained by ZagTrader. Last reviewed 21 October 2026. How this page is sourced and checked

cafr.003 is the ISO 20022 FraudDispositionInitiation message in the Fraud Reporting and Disposition business area (cafr). The latest version is cafr.003.001.03, and 3 versions are in the repository.

Message: FraudDispositionInitiation
Latest version: cafr.003.001.03
Submitting organisation: ISO TC68/SC9/TG1
MT equivalent: None listed

In use: published in the current ISO 20022 catalogue.

What cafr.003 is for

A FraudDispositionInitiation message is usually sent by an agent to a financial institution acting as an acquirer or as an issuer to report about the disposition of a confirmed fraudulent transaction.

Definition from the ISO 20022 e-Repository, release of 24 April 2025.

cafr.003 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.

Version	Registration status	Published in
cafr.003.001.03latest	Registered	Latest version set
cafr.003.001.02	Registered	Previous version set
cafr.003.001.01	Registered	Archive

cafr.003 message structure

The building blocks of cafr.003.001.03 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]
- FrdDspstnInitn FraudDispositionInitiation [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]ReportedFraud5
    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.
    - SubmitrCaseRef Submitter Case Reference [0..1]Max35Text
      Reference to the case as provided by the submitter.
    - CaseRef Case Reference [0..1]Max35Text
      Reference of fraudulent case.
  - FrdDspstnSts Fraud Disposition Status [1..1]FraudDispositionStatus2
    Contains the disposition of the previously submitted fraud reporting message.
    - ActnTaken Action Taken [1..1]ActionTaken1Code
      Indicates the action taken as a disposition of the previously fraud report message.
    - OthrActnTaken Other Action Taken [0..1]Max35Text
      Other action taken as defined at national or private level.
    - ErrData Error Data [0..*]Max256Text
      Contains errors found in the submitted fraud report message.
    - WrngData Warning Data [0..*]Max256Text
      Contains warnings found in the submitted fraud report message.
    - AddtlInf Additional Information [0..*]AdditionalInformation30
      Additional information
  - 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 [1..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.
  - FrdTxId Fraud Transaction Identification [1..1]Max70Text
    Identification of the transaction reporting the fraud.
  - 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.
  - AddtlInf Additional Information [0..*]AdditionalInformation30
    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.
    - 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.
    - Val Value [1..1]Max20KText
      Content of or reference to the message.
  - 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.003 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.003

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

cafr.003 questions

What is the latest version of cafr.003?: The latest version in the ISO 20022 e-Repository release of 24 April 2025 is cafr.003.001.03.
What is the root element of cafr.003?: The XML document is Document with the namespace urn:iso:std:iso:20022:tech:xsd:cafr.003.001.03, and its message element is FrdDspstnInitn (FraudDispositionInitiation).
Is there an MT equivalent of cafr.003?: No Swift MT message is listed as its direct equivalent on this site. Many ISO 20022 messages have no MT counterpart.

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The ISO 20022 message definitions, element names and definitions on this page are reproduced from material published at iso20022.org under the ISO 20022 Intellectual Property Rights policy. This is not the official source: the up-to-date ISO 20022 standards and repository material are published only at iso20022.org. Explanations in our own words are by ZagTrader. ZagTrader is not affiliated with or endorsed by ISO or Swift.