cain.016 Inquiry Initiation

What cain.016 is for

cain.016 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.

cain.016 message structure

The building blocks of cain.016.001.03 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]
  • NqryInitn InquiryInitiation [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]TransactionCharacteristics2

      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.

      • Cxl Cancellation [0..1]TrueFalseIndicator

        Indicates the previous message is cancelled.

      • MsgRsn Message Reason [0..*]ISO8583MessageReasonCode

        Reason or purpose to send the message.

      • 3 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]CardData11

      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.

      • 12 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.

    • 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]TransactionIdentification54

      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.

      • 15 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

    • XchgRate Exchange Rate [0..*]ExchangeRateInformation5

      Further detailed information on the exchange rates that have been used in or are related to the transaction.

      • Prvdr Provider [0..1]Max70Text

        Identifies the source of the rate information.

      • Id Identification [0..1]Max70Text

        Identification of the specific rate, table or file that contains the rate information.

      • Dt Date [0..1]ISODate

        The date the exchange rate data is effective.

      • Tm Time [0..1]ISOTime

        The time the exchange rate data is effective.

      • 12 more elements not shown
    • TxAmts Transaction Amounts [0..1]TransactionAmounts4

      Amounts of the card transaction.

      • AmtQlfr Amount Qualifier [0..1]TypeOfAmount22Code

        Qualifier or type of amount.

      • Amt Amount [0..1]ImpliedCurrencyAndAmount

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

      • Ccy Currency [0..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
    • Accptr Acceptor [1..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]Terminal7

      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.

      • Tp Type [0..1]TerminalType1Code

        Type of terminal.

      • OthrTp Other Type [0..1]Max35Text

        Other type of terminal.

      • 20 more elements not shown
    • POICmpnt POI Component [0..*]PointOfInteractionComponent16

      Data related to the components of the POI (Point Of Interaction) performing the transactions.

      • Tp Type [1..1]POIComponentType5Code

        Type of component belonging to a POI (Point Of Interaction) Terminal.

      • ItmNb Item Number [0..1]Max35Text

        Hierarchical identification of a hardware component inside all the hardware component of the POI.

      • PrvdrId Provider Identification [0..1]Max35Text

        Identifies the provider of the software, hardware or parameters of the POI component.

      • Id Identification [0..1]Max35Text

        Identification of the POI component assigned by its provider.

      • 1 more elements not shown
    • Cntxt Context [1..1]Context23

      Contains or describes conditions and characteristics of the transaction.

      • CardDataNtryMd Card Data Entry Mode [1..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.

      • 43 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.

    • 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
    • CstmrDvc Customer Device [0..1]CustomerDevice5

      Identification of the customer device performing the transaction.

      • Manfctr Manufacturer [0..1]Max70Text

        Manufacturer of the device.

      • ManfctrMdlId Manufacturer Model Identification [0..1]Max70Text

        Manufacturer's identification of the model.

      • Tp Type [0..1]CustomerDeviceType2Code

        Type of customer device.

      • OthrTp Other Type [0..1]Max35Text

        Other type of customer device in free text.

      • 16 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
    • 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.

      • 4 more elements not shown
    • Vrfctn Verification [0..*]Verification6

      Contain validation result and/or data to be validated.

      • Tp Type [0..1]ExternalAuthenticationMethod1Code

        Type of authentication or verification.

      • OthrTp Other Type [0..1]Max35Text

        Other type of authentication or verification.

      • SubTp Sub Type [0..1]Max35Text

        Type of authentication for a given method (for example, three domain authentication, scheme proprietary solution, type of cryptogram, etc.).

      • Data Data [0..*]VerificationValue1

        Contains verification or authentication data.

      • 6 more elements not shown
    • Rsk Risk [0..*]RiskContext3

      Context of risk associated with the transaction.

      • InptData Input Data [0..*]RiskInputData2

        Input data to be considered in a risk assessment.

      • Assmnt Assessment [0..*]RiskAssessment3

        Indicates to the card issuer the level of risk associated with the transaction.

    • 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.

    • Instlmt Instalment [0..1]Instalment6

      Data exclusively related to a card issuer financial loan of the payment transaction, or instalment.

      • PmtSeqNb Payment Sequence Number [0..1]Number

        Indicates the occurrence of a single instalment payment within a series of instalment payments.

      • Plan Plan [0..*]Plan3

        Attributes of the instalment plan.

    • 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
    • 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.

    • OrgnlRspnCd Original Response Code [0..1]ISO8583ResponseCode

      Original response code.

    • 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.

    • StrngCstmrAuthntcn Strong Customer Authentication [0..1]StrongCustomerAuthentication2

      EU PSD2 Strong Consumer Authentication data.

      • SbjtToSCA Subject To SCA [0..1]TrueFalseIndicator

        Boolean flag indicating whether the transaction is subject to Strong Customer Authentication requirements (True) or not (False).

      • Xmptn Exemption [0..*]Exemption2

        Strong customer authentication exemption detail.

      • DlgtdAuthrty Delegated Authority [0..1]AttestationValue1Code

        Authentication performed by a delegated authority (for example by a wallet solution).

      • Wvr Waiver [0..1]AttestationValue1Code

        Waiver claimed for a transaction subject to Strong Customer Authentication.

      • 1 more elements not shown
    • 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.016 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.016

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
• ExternalDeviceOperatingSystemType1Code5 codes
• ExternalMessageFunction1Code14 codes

Related acquirer to issuer card transaction messages

• cain.011Key Exchange Initiation
• cain.012Key Exchange Response
• cain.013Acquirer Rejection
• cain.014Retrieval Fulfilment Initiation
• cain.015Retrieval Fulfilment Response
• cain.017Inquiry Response
• cain.018Verification Initiation
• cain.019Verification Response
• cain.020Amendment
• cain.021Retrieval Initiation

cain.016 questions

What is the latest version of cain.016?

The latest version in the ISO 20022 e-Repository release of 24 April 2025 is cain.016.001.03.

What is the root element of cain.016?

The XML document is Document with the namespace urn:iso:std:iso:20022:tech:xsd:cain.016.001.03, and its message element is NqryInitn (InquiryInitiation).

Is there an MT equivalent of cain.016?

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