What is the latest version of cain.023?

The latest version in the ISO 20022 e-Repository release of 24 April 2025 is cain.023.001.03.

What is the root element of cain.023?

The XML document is Document with the namespace urn:iso:std:iso:20022:tech:xsd:cain.023.001.03, and its message element is CardMgmtInitn (CardManagementInitiation).

Is there an MT equivalent of cain.023?

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

cain: Acquirer to Issuer Card Transaction

cain.023 Card Management Initiation

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

cain.023 is the ISO 20022 CardManagementInitiation message in the Acquirer to Issuer Card Transaction business area (cain). The latest version is cain.023.001.03, and 3 versions are in the repository.

Message: CardManagementInitiation
Latest version: cain.023.001.03
Submitting organisation: ISO TC68/SC9/TG1
MT equivalent: None listed

In use: published in the current ISO 20022 catalogue.

What cain.023 is for

The CardManagementInitiation message is sent by the acquirer to an issuer or agent to fulfil a request initiated by the cardholder at the point of service for an operation on the card account.

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

cain.023 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
cain.023.001.03latest	Registered	Latest version set
cain.023.001.02	Registered	Previous version set
cain.023.001.01	Registered	Archive

cain.023 message structure

The building blocks of cain.023.001.03 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]
- CardMgmtInitn CardManagementInitiation [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.
  - 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
  - NewPINData New PIN Data [0..1]PINData1
    Encrypted new Personal Identification Number (PIN) and related information.
    - Ctrl Control [0..1]Exact1HexBinaryText
      Identifies the key management scheme and associated control field format.
    - KeySetIdr Key Set Identifier [0..1]Max8NumericText
      key-set identifier is a number that uniquely identifies a group of related keys that are all different but have certain characteristics in common.
    - DrvdInf Derived Information [0..1]Max32HexBinaryText
      Contains Derived Info or Device ID and Transaction Counter.
    - Algo Algorithm [0..1]Max2NumericText
      Used to select the encryption algorithm to encipher the keys contained in the associated key management data element.
    - 5 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
  - OrgnlDataElmts Original Data Elements [0..1]OriginalDataElements4
    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.
    - 3 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.
  - 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.
  - 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.023 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.023

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.023 questions

What is the latest version of cain.023?: The latest version in the ISO 20022 e-Repository release of 24 April 2025 is cain.023.001.03.
What is the root element of cain.023?: The XML document is Document with the namespace urn:iso:std:iso:20022:tech:xsd:cain.023.001.03, and its message element is CardMgmtInitn (CardManagementInitiation).
Is there an MT equivalent of cain.023?: No Swift MT message is listed as its direct equivalent on this site. Many ISO 20022 messages have no MT counterpart.

All ISO 20022 messages · ISO 20022 code sets · MT messages

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.