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cain: Acquirer to Issuer Card Transaction

cain.005 Reversal Initiation

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cain.005 is the ISO 20022 ReversalInitiation message in the Acquirer to Issuer Card Transaction business area (cain). The latest version is cain.005.001.04, and 4 versions are in the repository.

Message
ReversalInitiation
Latest version
cain.005.001.04
Submitting organisation
ISO TC68/SC9/TG1
MT equivalent
None listed

In use: published in the current ISO 20022 catalogue.

What cain.005 is for

The ReversalInitiation message is sent by an acquirer, an originator or an agent to an issuer to request or advise of the reversal of an authorisation by the issuer. A reversal is a partial or complete nullification of the effects of a previous authorisation, financial presentment or financial accumulation presentment that cannot be processed as instructed (for example, is undeliverable and cancelled or the acquirer timed out waiting for a response).

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

cain.005 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.

VersionRegistration statusPublished in
cain.005.001.04latestRegisteredLatest version set
cain.005.001.03RegisteredPrevious version set
cain.005.001.02RegisteredArchive
cain.005.001.01RegisteredArchive

cain.005 message structure

The building blocks of cain.005.001.04 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]
    • RvslInitn ReversalInitiation [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.

        • 6 more elements not shown
      • TxChrtcs Transaction Characteristics [1..1]TransactionCharacteristics1

        Contains the key data elements of the transaction.

        • TxTp Transaction Type [1..1]ISO8583TransactionTypeCode

          Code that indicates the type of transaction being undertaken in accordance with ISO 8583, Transaction Type.

        • TxSubTp Transaction Sub Type [0..1]Max35Text

          Further breakdown of the transaction type being performed.

        • TxAttr Transaction Attribute [0..*]TransactionAttribute2Code

          Attribute of the transaction.

        • OthrTxAttr Other Transaction Attribute [0..*]Max35Text

          Other transaction attribute defined at national or private level.

        • 6 more elements not shown
      • 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.

        • 3 more elements not shown
      • 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.

        • 3 more elements not shown
      • 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.

        • 3 more elements not shown
      • Card Card [0..1]CardData13

        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.

        • 9 more elements not shown
      • AcctFr Account From [0..1]AccountDetails4

        Identifies a customer account or a relationship to its account affected for debit, inquiries and the source of funding for transfers.

        • Nm Name [0..1]Max70Text

          Name of the account as assigned by the account servicing institution in an agreement with the account owner in order to provide an additional means...

        • Tp Type [0..1]ISO8583AccountTypeCode

          Type of cardholder account used for the transaction.

        • Id Identification [0..1]Max70Text

          Identification of an account.

      • AcctTo Account To [0..1]AccountDetails4

        Identifies a customer account or a relationship to its account affected for credits, inquiries and the destination account for funds transfers.

        • Nm Name [0..1]Max70Text

          Name of the account as assigned by the account servicing institution in an agreement with the account owner in order to provide an additional means...

        • Tp Type [0..1]ISO8583AccountTypeCode

          Type of cardholder account used for the transaction.

        • Id Identification [0..1]Max70Text

          Identification of an account.

      • 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.

        • 3 more elements not shown
      • 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.

        • 3 more elements not shown
      • 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.

        • 3 more elements not shown
      • Prgrmm Programme [0..1]ProgrammeMode4

        Programme, network, or brand processes the transaction.

        • PropsdId Proposed Identification [0..*]Max35Text

          Identification of Programme, network, or brand proposed for the transaction

        • ApldId Applied Identification [0..1]Max35Text

          Identification of Programme, network, or brand actually applied to the transaction

        • AddtlId Additional Identification [0..*]AdditionalData1

          Additional identification of the program.

        • IdSelctdBy Identification Selected By [0..1]PartyType20Code

          Identification of the programme, network, or brand.

      • TxId Transaction Identification [1..1]TransactionIdentification57

        Identification of the transaction.

        • LclDt Local Date [0..1]ISODate

          Local date the transaction takes place at the card acceptor location.

        • LclTm Local Time [0..1]ISOTime

          Local time the transaction takes place at the card acceptor location.

        • TmZone Time Zone [0..1]Max70Text

          Time zone name (for example, as defined by IANA - Internet Assigned Numbers Authority - in the time zone database).

        • PurchsIdrTp Purchase Identifier Type [0..1]PurchaseIdentifierType2Code

          Specifies the type of identifier present in the message.

        • 18 more elements not shown
      • ConvsDtTm Conversion Date Time [0..1]DateTime2

        Date and Time of currency conversion.

        • Dt Date [1..1]ISODate

          Date of currency conversion.

        • Tm Time [0..1]ISOTime

          Time of currency conversion

      • TxAmts Transaction Amounts [1..1]TransactionAmounts3

        Amounts of the card transaction.

        • AmtQlfr Amount Qualifier [0..1]TypeOfAmount22Code

          Qualifier or type of amount.

        • Amt Amount [1..1]ImpliedCurrencyAndAmount

          Amount of the transaction expressed in the currency of the terminal or as a reversed amount of a previous authorisation.

        • Ccy Currency [1..1]ISO3NumericCurrencyCode

          Currency code associated with the transaction amount.

        • CrdhldrBllgAmt Cardholder Billing Amount [0..1]ImpliedCurrencyAndAmount

          Amount of the transaction in cardholder billing currency.

        • 6 more elements not shown
      • AddtlAmt Additional Amount [0..*]AdditionalAmounts4

        Amounts that are not part of the transaction amount and not included in reconciliation.

        • Tp Type [1..1]ISO8583AmountTypeCode

          Type or class of amount.

        • OthrTp Other Type [0..1]Max35Text

          Other type of amount.

        • Amt Amount [1..1]ImpliedCurrencyAndAmount

          Amount value.

        • Ccy Currency [0..1]ISO3NumericCurrencyCode

          Currency code associated with the applicable type of amount.

        • 2 more elements not shown
      • OrgnlDataElmts Original Data Elements [0..1]OriginalDataElements3

        Data elements contained in the original message.

        • MsgClss Message Class [0..1]MessageClass1Code

          Message class of the original message.

        • MsgFctn Message Function [0..1]MessageFunction16Code

          Identifies the type of process related to the message.

        • AcqrrId Acquirer Identification [0..1]Max11NumericText

          Code identifying the acquirer of the original message.

        • SndrId Sender Identification [0..1]Max11NumericText

          Code identifying the sender of the original message.

        • 7 more elements not shown
      • Accptr Acceptor [0..1]PartyIdentification288

        Card acceptor performing the card transaction.

        • Id Identification [1..1]Max35Text

          Identification of the acceptor.

        • Assgnr Assigner [0..1]Max35Text

          Identification of the entity assigning an identification to the acceptor.

        • ShrtNm Short Name [0..1]Max35Text

          Short name of the acceptor.

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

          Legal Corporate Name of the party.

        • 25 more elements not shown
      • Termnl Terminal [0..1]Terminal8

        Payment terminal or ATM performing the transaction.

        • Id Identification [1..1]Max16Text

          Identification of the terminal.

        • AddtlId Additional Identification [0..*]AdditionalData1

          Additional identification assigned by an agent to an acceptor.

      • Cntxt Context [0..1]Context21

        Context of the reversal transaction.

        • CardDataNtryMd Card Data Entry Mode [0..1]CardDataReading10Code

          Entry mode of the card data for the transaction

        • OthrCardDataNtryMd Other Card Data Entry Mode [0..1]Max35Text

          Other type of card data entry mode.

        • QRCdPresntmntMd QR Code Presentment Mode [0..1]QRCodePresentmentMode1Code

          Method used to present a QR Code at the point of service.

        • OthrQRCdPresntmntMd Other QR Code Presentment Mode [0..1]Max35Text

          Other method of QR Code presentment.

        • 33 more elements not shown
      • ICCRltdData ICC Related Data [0..1]Max10KHexBinaryText

        Data related to an integrated circuit card application embedded in the payment card of the cardholder.

      • Pyer Payer [0..1]PartyIdentification287

        The party providing source of funds.

        • FI Financial Institution [0..1]FinancialInstitution8

          Financial institution-related data required by business and/or regulation (for example, money or funds transfer).

        • Id Identification [0..1]Max35Text

          Identification of the customer assigned by a party.

        • Dsgnt Designation [0..1]Max2NumericText

          Identifies the specific customer when multiple customers are associated with the same account.

        • Crdntls Credentials [0..*]Credentials3

          Credentials of the financial customer.

        • 8 more elements not shown
      • Pyee Payee [0..1]PartyIdentification287

        The party receiving funds.

        • FI Financial Institution [0..1]FinancialInstitution8

          Financial institution-related data required by business and/or regulation (for example, money or funds transfer).

        • Id Identification [0..1]Max35Text

          Identification of the customer assigned by a party.

        • Dsgnt Designation [0..1]Max2NumericText

          Identifies the specific customer when multiple customers are associated with the same account.

        • Crdntls Credentials [0..*]Credentials3

          Credentials of the financial customer.

        • 8 more elements not shown
      • 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.

        • 7 more elements not shown
      • Wllt Wallet [0..1]Wallet3

        Container for tenders used by the customer to perform the payment transaction.

        • Prvdr Provider [0..1]PartyIdentification285

          Identification of the provider of the wallet.

        • PANAge PAN Age [0..1]Max5PositiveNumber

          Number of days that the user’s PAN has been on file for the user.

        • UsrAcctAge User Account Age [0..1]Max5PositiveNumber

          Number of days since the user wallet account for this user exists.

        • AcctAge Account Age [0..1]Max5PositiveNumber

          Number of days since the user created the wallet account or started using the wallet.

        • 15 more elements not shown
      • SpclPrgrmmQlfctn Special Programme Qualification [0..*]SpecialProgrammeQualification2

        Data to qualify for incentive or other related programmes.

        • Prgrmm Programme [0..1]Max35Text

          Name of special programme.

        • Dtl Detail [0..*]SpecialProgrammeDetails2

          Name and value associated with a special programme.

      • AcctBal Account Balance [0..*]AccountBalance3

        Balance of the account involved in the card transaction.

        • AcctTp Account Type [1..1]ISO8583AccountTypeCode

          Account for which a balance is sought.

        • Bal Balance [1..*]Balance29

          Balance of the account.

      • AddtlSvc Additional Service [0..*]AdditionalService2

        Additional functions or services to be performed in conjunction with the transaction.

        • Tp Type [1..1]AdditionalServiceType2Code

          Type of additional service applied to the transaction.

        • OthrTp Other Type [0..1]Max35Text

          Other additional service applied to the transaction.

        • Rslt Result [0..1]AdditionalServiceResult1Code

          Result from performing the identified service.

        • OthrRslt Other Result [0..1]Max35Text

          Other nationally or privately defined additional service result code.

        • 1 more elements not shown
      • FndsSvcs Funds Services [0..1]FundingService3

        Financial services related to the account.

        • Prvdr Provider [0..1]Max35Text

          Identification of the funding service provider.

        • Nm Name [0..1]Max35Text

          Name of the funding service (for example, MoneyGram, Western Union, etc.).

        • Ref Reference [0..1]Max35Text

          Reference to the funding service.

        • BizPurp Business Purpose [0..1]Max500Text

          Purpose of the transfer.

        • 4 more elements not shown
      • DpstDtls Deposit Details [0..*]DepositDetails3

        Contains ATM deposit details.

        • Tp Type [1..1]CardDepositType1Code

          Funding source used for deposit.

        • OthrTp Other Type [0..1]Max35Text

          Other funding source used for deposit.

        • Amt Amount [0..1]ImpliedCurrencyAndAmount

          Amount value.

        • CdtDbt Credit Debit [0..1]CreditDebit3Code

          Sign of the amount.

      • 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]SettlementService5

        Type of settlement service for specific services requiring settlement.

        • PropsdTp Proposed Type [0..1]Max35Text

          Proposed type of settlement service.

        • PropsdId Proposed Identification [0..1]Max35Text

          Identification of proposed settlement service.

        • Tp Type [0..1]Max35Text

          Type of settlement service applied

        • Id Identification [0..1]Max35Text

          Identification of settlement service applied.

        • 9 more elements not shown
      • 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.

        • 9 more elements not shown
      • 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.

      • PrcgRslt Processing Result [0..1]ProcessingResult27

        Outcome of the processing of the authorisation.

        • RspnSrcId Response Source Identification [0..1]Max35Text

          Identification of response source.

        • RspnSrcTp Response Source Type [0..1]PartyType26Code

          Type of response source.

        • RspnSrcOthrTp Response Source Other Type [0..1]Max35Text

          Other type of response source.

        • RspnSrcAssgnr Response Source Assigner [0..1]PartyType9Code

          Entity that assigns the identification for the response source.

        • 8 more elements not shown
      • 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 cain.005 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 cain.005

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

cain.005 questions

What is the latest version of cain.005?
The latest version in the ISO 20022 e-Repository release of 24 April 2025 is cain.005.001.04.
What is the root element of cain.005?
The XML document is Document with the namespace urn:iso:std:iso:20022:tech:xsd:cain.005.001.04, and its message element is RvslInitn (ReversalInitiation).
Is there an MT equivalent of cain.005?
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.