What is the latest version of cain.028?

The latest version in the ISO 20022 e-Repository release of 24 April 2025 is cain.028.001.03.

What is the root element of cain.028?

The XML document is Document with the namespace urn:iso:std:iso:20022:tech:xsd:cain.028.001.03, and its message element is ChrgBckRspn (ChargeBackResponse).

Is there an MT equivalent of cain.028?

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.028 Charge Back Response

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

cain.028 is the ISO 20022 ChargeBackResponse message in the Acquirer to Issuer Card Transaction business area (cain). The latest version is cain.028.001.03, and 3 versions are in the repository.

Message: ChargeBackResponse
Latest version: cain.028.001.03
Submitting organisation: ISO TC68/SC9/TG1
MT equivalent: None listed

In use: published in the current ISO 20022 catalogue.

What cain.028 is for

The ChargeBackResponse message is sent by an acquirer or an agent to an issuer in response to an ChargeBackInitiation message.

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

cain.028 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.028.001.03latest	Registered	Latest version set
cain.028.001.02	Registered	Previous version set
cain.028.001.01	Registered	Archive

cain.028 message structure

The building blocks of cain.028.001.03 to three levels, 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]
- ChrgBckRspn ChargeBackResponse [1..1]
  - Hdr Header [1..1]Header71
    Information related to the protocol management.
    - 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.
    - 5 more elements not shown
  - TxChrtcs Transaction Characteristics [0..1]TransactionCharacteristics3
    Contains the key data elements of the transaction.
    - TxTp Transaction Type [0..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.
    - Cxl Cancellation [0..1]TrueFalseIndicator
      Indicates the previous message is cancelled.
    - 4 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.
    - LglCorpNm Legal Corporate Name [0..1]Max99Text
      Legal Corporate Name of the party
    - 2 more elements not shown
  - Acqrr Acquirer [0..1]PartyIdentification286
    Identification of the acquirer.
    - Id Identification [1..1]Max11NumericText
      Identification of the party.
    - Assgnr Assigner [0..1]Max35Text
      Entity in charge of assigning an identification to a party.
    - Ctry Country [0..1]ISO3NumericCountryCode
      Country of the party.
    - ShrtNm Short Name [0..1]Max35Text
      Short name of the party.
    - LglCorpNm Legal Corporate Name [0..1]Max99Text
      Legal Corporate Name of the party
    - 2 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.
    - LglCorpNm Legal Corporate Name [0..1]Max99Text
      Legal Corporate Name of the party
    - 2 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.
    - XpryDt Expiry Date [0..1]ISOYearMonth
      Expiry date of the card or payment token.
    - 8 more elements not shown
  - 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
    - 2 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.
    - LglCorpNm Legal Corporate Name [0..1]Max99Text
      Legal Corporate Name of the party
    - 2 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.
    - LglCorpNm Legal Corporate Name [0..1]Max99Text
      Legal Corporate Name of the party
    - 2 more elements not shown
  - Prgrmm Programme [0..*]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.
      - Tp Type [0..1]Max35Text
      - Val Value [0..1]Max2048Text
  - TxId Transaction Identification [1..1]TransactionIdentification55
    Identification of the transaction.
    - LclDt Local Date [1..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.
    - OthrPurchsIdrTp Other Purchase Identifier Type [0..1]Max35Text
      Used when Purchase Identifier Type is Other National or Other Private.
    - 17 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.
    - CrdhldrBllgCcy Cardholder Billing Currency [0..1]ISO3NumericCurrencyCode
      Currency code of Cardholder and associated with cardholder billing amount.
    - 5 more elements not shown
  - Accptr Acceptor [0..1]PartyIdentification285
    Card acceptor performing the card transaction.
    - Id Identification [1..1]Max35Text
      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
    - 2 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.
      - Tp Type [0..1]Max35Text
      - Val Value [0..1]Max2048Text
  - Cntxt Context [0..1]Context22
    Context of the reversal transaction.
    - MrchntCtgyCd Merchant Category Code [0..1]ISO18245MerchantCategoryCode
      Category code related to the type of services or goods the merchant provides for the transaction in accordance with ISO 18245.
    - MrchntCtgySpcfcData Merchant Category Specific Data [0..1]Max35Text
      Further details about the merchant that is used in with the merchant category code (MCC) for the particular purchase.
    - OthrMrchntCtgy Other Merchant Category [0..1]Max35Text
      Other merchant category assigned by local or national scheme.
    - TxInitr Transaction Initiator [0..1]TransactionInitiator1Code
      Identifies the transaction initiator.
    - DelydChrgs Delayed Charges [0..1]TrueFalseIndicator
      Indicates a delayed charge.
    - 5 more elements not shown
  - OrgnlTxAmts Original Transaction Amounts [0..1]OriginalTransactionAmounts3
    Original 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.
    - CrdhldrBllgCcy Cardholder Billing Currency [0..1]ISO3NumericCurrencyCode
      Currency code of Cardholder and associated with cardholder billing amount.
    - 4 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.
    - 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...
    - 6 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]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.
    - 6 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.
    - CdtDbt Credit Debit [0..1]CreditDebit3Code
      Contains code list for a credit or debit transaction
    - 8 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.
  - DsptData Dispute Data [1..*]DisputeData4
    Information about the dispute.
    - Cycl Cycle [0..1]Exact1NumericText
      Indicates the cycle of presentment.
    - Cond Condition [0..1]Max35Text
      Condition of the dispute.
    - Sts Status [0..1]Max35Text
      Status of dispute.
    - Prtl Partial [0..1]TrueFalseIndicator
      Partial dispute indicator.
    - Ref Reference [0..*]DisputeReference1
      Reference for the dispute.
      - AssgnrNtty Assigner Entity [0..1]PartyType32Code
      - OthrAssgnrNtty Other Assigner Entity [0..1]Max35Text
      - DsptId Dispute Identification [1..*]DisputeIdentification1
    - 4 more elements not shown
  - Dcmnttn Documentation [0..*]DisputeDocumentation1
    Supporting documentation information related to the chargeback.
    - Frmt Format [0..1]OutputFormat4Code
      Format of the additional information.
    - OthrFrmt Other Format [0..1]Max35Text
      Other output format.
    - Tp Type [0..1]Max35Text
      Defines the type of the value.
    - Val Value [1..1]Max20KText
      Content of or reference to the message.
  - PrcgRslt Processing Result [0..1]ProcessingResult23
    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.
    - RspnSrcCtry Response Source Country [0..1]ISOMax3ACountryCode
      Country of the response source
    - 4 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.
      - Tp Type [0..1]Max35Text
      - Val Value [0..1]Max2048Text
  - 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.
      - Vrsn Version [0..1]Number
      - Rcpt Recipient [1..*]Recipient7Choice (choice)
      - NcrptdCntt Encrypted Content [0..1]EncryptedContent8
    - 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.
      - Ctrl Control [0..1]Exact1HexBinaryText
      - KeySetIdr Key Set Identifier [0..1]Max8NumericText
      - DrvdInf Derived Information [0..1]Max32HexBinaryText
      - Algo Algorithm [0..1]Max2NumericText
      - KeyLngth Key Length [0..1]Max4NumericText
      - KeyPrtcn Key Protection [0..1]Max2NumericText
      - KeyIndx Key Index [0..1]Max5NumericText
      - PddgMtd Padding Method [0..1]Max2NumericText
      - NcrptdFrmt Encrypted Format [0..1]Max2NumericText
      - NcrptdElmt Encrypted Element [1..*]EncryptedDataElement2
  - 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.
      - Ctrl Control [1..1]Exact1HexBinaryText
      - KeySetIdr Key Set Identifier [1..1]Max8NumericText
      - DrvdInf Derived Information [0..1]Max32HexBinaryText
      - Algo Algorithm [1..1]Max2NumericText
      - KeyLngth Key Length [0..1]Max4NumericText
      - KeyPrtcn Key Protection [0..1]Max2NumericText
      - KeyIndx Key Index [0..1]Max5NumericText
      - PddgMtd Padding Method [0..1]Max2NumericText
      - InitlstnVctr Initialisation Vector [0..1]Max32HexBinaryText
    - MAC MAC [1..1]Max8HexBinaryText
      Message Authentication Code data.

Have a cain.028 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.028

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

ExternalMessageFunction1Code14 codes

cain.028 questions

What is the latest version of cain.028?: The latest version in the ISO 20022 e-Repository release of 24 April 2025 is cain.028.001.03.
What is the root element of cain.028?: The XML document is Document with the namespace urn:iso:std:iso:20022:tech:xsd:cain.028.001.03, and its message element is ChrgBckRspn (ChargeBackResponse).
Is there an MT equivalent of cain.028?: 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.