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pacs: Payments Clearing and Settlement

pacs.003 FI To FI Customer Direct Debit

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pacs.003 is the ISO 20022 FIToFICustomerDirectDebit message in the Payments Clearing and Settlement business area (pacs). The latest version is pacs.003.001.11, and 11 versions are in the repository.

Message
FIToFICustomerDirectDebit
Latest version
pacs.003.001.11
Submitting organisation
Swift
MT equivalent
MT104, MT107

In use: published in the current ISO 20022 catalogue.

What pacs.003 is for

The FinancialInstitutionToFinancialInstitutionCustomerDirectDebit message is sent by the creditor agent to the debtor agent, directly or through other agents and/or a payment clearing and settlement system.

It is used to collect funds from a debtor account for a creditor.

The FItoFICustomerDirectDebit message can contain one or more customer direct debit instructions.

The FIToFICustomerDirectDebit message does not allow for grouping.

The FItoFICustomerDirectDebit message may or may not contain mandate related information, that is extracts from a mandate, such as the MandateIdentification or DateOfSignature. The FIToFICustomerDirectDebit message must not be considered as a mandate.

The FItoFICustomerDirectDebit message can be used in domestic and cross-border scenarios.

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

pacs.003 versions

Every version published in the e-Repository, newest first. A message keeps its business purpose across versions; each new version is a separate schema with its own namespace.

VersionRegistration statusPublished in
pacs.003.001.11latestRegisteredLatest version set
pacs.003.001.10RegisteredPrevious version set
pacs.003.001.09RegisteredArchive
pacs.003.001.08RegisteredArchive
pacs.003.001.07RegisteredArchive
pacs.003.001.06RegisteredArchive
pacs.003.001.05RegisteredArchive
pacs.003.001.04RegisteredArchive
pacs.003.001.03RegisteredArchive
pacs.003.001.02RegisteredArchive
pacs.003.001.01RegisteredArchive

pacs.003 message structure

The building blocks of pacs.003.001.11 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]
    • FIToFICstmrDrctDbt FIToFICustomerDirectDebit [1..1]
      • GrpHdr Group Header [1..1]GroupHeader125

        Set of characteristics shared by all individual transactions included in the message.

        • MsgId Message Identification [1..1]Max35Text

          Point to point reference, as assigned by the instructing party, and sent to the next party in the chain to unambiguously identify the message.

        • CreDtTm Creation Date Time [1..1]ISODateTime

          Date and time at which the message was created.

        • Authstn Authorisation [0..2]Authorisation1Choice (choice)

          User identification or any user key to be used to check whether the initiating party is allowed to initiate transactions from the account specified...

          • Cd Code [1..1]Authorisation1Code
          • Prtry Proprietary [1..1]Max128Text
        • BtchBookg Batch Booking [0..1]BatchBookingIndicator

          Identifies whether a single entry per individual transaction or a batch entry for the sum of the amounts of all transactions within the group of a...

        • NbOfTxs Number Of Transactions [1..1]Max15NumericText

          Number of individual transactions contained in the message.

        • CtrlSum Control Sum [0..1]DecimalNumber

          Total of all individual amounts included in the message, irrespective of currencies.

        • TtlIntrBkSttlmAmt Total Interbank Settlement Amount [0..1]ActiveCurrencyAndAmount

          Total amount of money moved between the instructing agent and the instructed agent.

        • IntrBkSttlmDt Interbank Settlement Date [0..1]ISODate

          Date on which the amount of money ceases to be available to the agent that owes it and when the amount of money becomes available to the agent to...

        • SttlmInf Settlement Information [1..1]SettlementInstruction14

          Specifies the details on how the settlement of the transaction(s) between the instructing agent and the instructed agent is completed.

          • SttlmMtd Settlement Method [1..1]SettlementMethod2Code
          • SttlmAcct Settlement Account [0..1]CashAccount40
          • ClrSys Clearing System [0..1]ClearingSystemIdentification3Choice (choice)
        • PmtTpInf Payment Type Information [0..1]PaymentTypeInformation27

          Set of elements used to further specify the type of transaction.

          • InstrPrty Instruction Priority [0..1]Priority2Code
          • ClrChanl Clearing Channel [0..1]ClearingChannel2Code
          • SvcLvl Service Level [0..*]ServiceLevel8Choice (choice)
          • LclInstrm Local Instrument [0..1]LocalInstrument2Choice (choice)
          • SeqTp Sequence Type [0..1]SequenceType3Code
          • CtgyPurp Category Purpose [0..1]CategoryPurpose1Choice (choice)
        • InstgAgt Instructing Agent [0..1]BranchAndFinancialInstitutionIdentification8

          Agent that instructs the next party in the chain to carry out the (set of) instruction(s).

          • FinInstnId Financial Institution Identification [1..1]FinancialInstitutionIdentification23
          • BrnchId Branch Identification [0..1]BranchData5
        • InstdAgt Instructed Agent [0..1]BranchAndFinancialInstitutionIdentification8

          Agent that is instructed by the previous party in the chain to carry out the (set of) instruction(s).

          • FinInstnId Financial Institution Identification [1..1]FinancialInstitutionIdentification23
          • BrnchId Branch Identification [0..1]BranchData5
      • DrctDbtTxInf Direct Debit Transaction Information [1..*]DirectDebitTransactionInformation31

        Set of elements providing information specific to the individual direct debit(s).

        • PmtId Payment Identification [1..1]PaymentIdentification13

          Set of elements used to reference a payment instruction.

          • InstrId Instruction Identification [0..1]Max35Text
          • EndToEndId End To End Identification [1..1]Max35Text
          • TxId Transaction Identification [0..1]Max35Text
          • UETR UETR [0..1]UUIDv4Identifier
          • ClrSysRef Clearing System Reference [0..1]Max35Text
        • PmtTpInf Payment Type Information [0..1]PaymentTypeInformation27

          Set of elements used to further specify the type of transaction.

          • InstrPrty Instruction Priority [0..1]Priority2Code
          • ClrChanl Clearing Channel [0..1]ClearingChannel2Code
          • SvcLvl Service Level [0..*]ServiceLevel8Choice (choice)
          • LclInstrm Local Instrument [0..1]LocalInstrument2Choice (choice)
          • SeqTp Sequence Type [0..1]SequenceType3Code
          • CtgyPurp Category Purpose [0..1]CategoryPurpose1Choice (choice)
        • IntrBkSttlmAmt Interbank Settlement Amount [1..1]ActiveCurrencyAndAmount

          Amount of money moved between the instructing agent and the instructed agent.

        • IntrBkSttlmDt Interbank Settlement Date [0..1]ISODate

          Date on which the amount of money ceases to be available to the agent that owes it and when the amount of money becomes available to the agent to...

        • SttlmPrty Settlement Priority [0..1]Priority3Code

          Indicator of the urgency or order of importance that the instructing party would like the instructed party to apply to the processing of the...

        • SttlmTmIndctn Settlement Time Indication [0..1]SettlementDateTimeIndication1

          Provides information on the occurred settlement time of the payment transaction.

          • DbtDtTm Debit Date Time [0..1]ISODateTime
          • CdtDtTm Credit Date Time [0..1]ISODateTime
        • InstdAmt Instructed Amount [0..1]ActiveOrHistoricCurrencyAndAmount

          Amount of money to be moved between the debtor and creditor, before deduction of charges, expressed in the currency as ordered by the initiating...

        • XchgRate Exchange Rate [0..1]BaseOneRate

          Factor used to convert an amount from one currency into another.

        • ChrgBr Charge Bearer [1..1]ChargeBearerType1Code

          Specifies which party/parties will bear the charges associated with the processing of the payment transaction.

        • ChrgsInf Charges Information [0..*]Charges16

          Provides information on the charges to be paid by the charge bearer(s) related to the payment transaction.

          • Amt Amount [1..1]ActiveOrHistoricCurrencyAndAmount
          • Agt Agent [1..1]BranchAndFinancialInstitutionIdentification8
          • Tp Type [0..1]ChargeType3Choice (choice)
        • ReqdColltnDt Requested Collection Date [0..1]ISODate

          Date and time at which the creditor requests that the amount of money is to be collected from the debtor.

        • DrctDbtTx Direct Debit Transaction [0..1]DirectDebitTransaction12

          Provides information specific to the direct debit mandate.

          • MndtRltdInf Mandate Related Information [0..1]MandateRelatedInformation16
          • CdtrSchmeId Creditor Scheme Identification [0..1]PartyIdentification272
          • PreNtfctnId Pre Notification Identification [0..1]Max35Text
          • PreNtfctnDt Pre Notification Date [0..1]ISODate
        • Cdtr Creditor [1..1]PartyIdentification272

          Party to which an amount of money is due.

          • Nm Name [0..1]Max140Text
          • PstlAdr Postal Address [0..1]PostalAddress27
          • Id Identification [0..1]Party52Choice (choice)
          • CtryOfRes Country Of Residence [0..1]CountryCode
          • CtctDtls Contact Details [0..1]Contact13
        • CdtrAcct Creditor Account [0..1]CashAccount40

          Unambiguous identification of the account of the creditor to which a credit entry will be posted as a result of the payment transaction.

          • Id Identification [0..1]AccountIdentification4Choice (choice)
          • Tp Type [0..1]CashAccountType2Choice (choice)
          • Ccy Currency [0..1]ActiveOrHistoricCurrencyCode
          • Nm Name [0..1]Max70Text
          • Prxy Proxy [0..1]ProxyAccountIdentification1
        • CdtrAgt Creditor Agent [1..1]BranchAndFinancialInstitutionIdentification8

          Financial institution servicing an account for the creditor.

          • FinInstnId Financial Institution Identification [1..1]FinancialInstitutionIdentification23
          • BrnchId Branch Identification [0..1]BranchData5
        • CdtrAgtAcct Creditor Agent Account [0..1]CashAccount40

          Unambiguous identification of the account of the creditor agent at its servicing agent to which a credit entry will be made as a result of the...

          • Id Identification [0..1]AccountIdentification4Choice (choice)
          • Tp Type [0..1]CashAccountType2Choice (choice)
          • Ccy Currency [0..1]ActiveOrHistoricCurrencyCode
          • Nm Name [0..1]Max70Text
          • Prxy Proxy [0..1]ProxyAccountIdentification1
        • UltmtCdtr Ultimate Creditor [0..1]PartyIdentification272

          Ultimate party to which an amount of money is due.

          • Nm Name [0..1]Max140Text
          • PstlAdr Postal Address [0..1]PostalAddress27
          • Id Identification [0..1]Party52Choice (choice)
          • CtryOfRes Country Of Residence [0..1]CountryCode
          • CtctDtls Contact Details [0..1]Contact13
        • InitgPty Initiating Party [0..1]PartyIdentification272

          Party that initiates the payment.

          • Nm Name [0..1]Max140Text
          • PstlAdr Postal Address [0..1]PostalAddress27
          • Id Identification [0..1]Party52Choice (choice)
          • CtryOfRes Country Of Residence [0..1]CountryCode
          • CtctDtls Contact Details [0..1]Contact13
        • InstgAgt Instructing Agent [0..1]BranchAndFinancialInstitutionIdentification8

          Agent that instructs the next party in the chain to carry out the (set of) instruction(s).

          • FinInstnId Financial Institution Identification [1..1]FinancialInstitutionIdentification23
          • BrnchId Branch Identification [0..1]BranchData5
        • InstdAgt Instructed Agent [0..1]BranchAndFinancialInstitutionIdentification8

          Agent that is instructed by the previous party in the chain to carry out the (set of) instruction(s).

          • FinInstnId Financial Institution Identification [1..1]FinancialInstitutionIdentification23
          • BrnchId Branch Identification [0..1]BranchData5
        • IntrmyAgt1 Intermediary Agent1 [0..1]BranchAndFinancialInstitutionIdentification8

          Agent between the debtor's agent and the creditor's agent.

          • FinInstnId Financial Institution Identification [1..1]FinancialInstitutionIdentification23
          • BrnchId Branch Identification [0..1]BranchData5
        • IntrmyAgt1Acct Intermediary Agent1 Account [0..1]CashAccount40

          Unambiguous identification of the account of the intermediary agent 1 at its servicing agent in the payment chain.

          • Id Identification [0..1]AccountIdentification4Choice (choice)
          • Tp Type [0..1]CashAccountType2Choice (choice)
          • Ccy Currency [0..1]ActiveOrHistoricCurrencyCode
          • Nm Name [0..1]Max70Text
          • Prxy Proxy [0..1]ProxyAccountIdentification1
        • IntrmyAgt2 Intermediary Agent2 [0..1]BranchAndFinancialInstitutionIdentification8

          Agent between the debtor's agent and the creditor's agent.

          • FinInstnId Financial Institution Identification [1..1]FinancialInstitutionIdentification23
          • BrnchId Branch Identification [0..1]BranchData5
        • IntrmyAgt2Acct Intermediary Agent2 Account [0..1]CashAccount40

          Unambiguous identification of the account of the intermediary agent 2 at its servicing agent in the payment chain.

          • Id Identification [0..1]AccountIdentification4Choice (choice)
          • Tp Type [0..1]CashAccountType2Choice (choice)
          • Ccy Currency [0..1]ActiveOrHistoricCurrencyCode
          • Nm Name [0..1]Max70Text
          • Prxy Proxy [0..1]ProxyAccountIdentification1
        • IntrmyAgt3 Intermediary Agent3 [0..1]BranchAndFinancialInstitutionIdentification8

          Agent between the debtor agent and creditor agent.

          • FinInstnId Financial Institution Identification [1..1]FinancialInstitutionIdentification23
          • BrnchId Branch Identification [0..1]BranchData5
        • IntrmyAgt3Acct Intermediary Agent3 Account [0..1]CashAccount40

          Unambiguous identification of the account of the intermediary agent 3 at its servicing agent in the payment chain.

          • Id Identification [0..1]AccountIdentification4Choice (choice)
          • Tp Type [0..1]CashAccountType2Choice (choice)
          • Ccy Currency [0..1]ActiveOrHistoricCurrencyCode
          • Nm Name [0..1]Max70Text
          • Prxy Proxy [0..1]ProxyAccountIdentification1
        • Dbtr Debtor [1..1]PartyIdentification272

          Party that owes an amount of money to the (ultimate) creditor.

          • Nm Name [0..1]Max140Text
          • PstlAdr Postal Address [0..1]PostalAddress27
          • Id Identification [0..1]Party52Choice (choice)
          • CtryOfRes Country Of Residence [0..1]CountryCode
          • CtctDtls Contact Details [0..1]Contact13
        • DbtrAcct Debtor Account [1..1]CashAccount40

          Unambiguous identification of the account of the debtor to which a debit entry will be made as a result of the transaction.

          • Id Identification [0..1]AccountIdentification4Choice (choice)
          • Tp Type [0..1]CashAccountType2Choice (choice)
          • Ccy Currency [0..1]ActiveOrHistoricCurrencyCode
          • Nm Name [0..1]Max70Text
          • Prxy Proxy [0..1]ProxyAccountIdentification1
        • DbtrAgt Debtor Agent [1..1]BranchAndFinancialInstitutionIdentification8

          Financial institution servicing an account for the debtor.

          • FinInstnId Financial Institution Identification [1..1]FinancialInstitutionIdentification23
          • BrnchId Branch Identification [0..1]BranchData5
        • DbtrAgtAcct Debtor Agent Account [0..1]CashAccount40

          Unambiguous identification of the account of the debtor agent at its servicing agent in the payment chain.

          • Id Identification [0..1]AccountIdentification4Choice (choice)
          • Tp Type [0..1]CashAccountType2Choice (choice)
          • Ccy Currency [0..1]ActiveOrHistoricCurrencyCode
          • Nm Name [0..1]Max70Text
          • Prxy Proxy [0..1]ProxyAccountIdentification1
        • UltmtDbtr Ultimate Debtor [0..1]PartyIdentification272

          Ultimate party that owes an amount of money to the (ultimate) creditor.

          • Nm Name [0..1]Max140Text
          • PstlAdr Postal Address [0..1]PostalAddress27
          • Id Identification [0..1]Party52Choice (choice)
          • CtryOfRes Country Of Residence [0..1]CountryCode
          • CtctDtls Contact Details [0..1]Contact13
        • Purp Purpose [0..1]Purpose2Choice (choice)

          Underlying reason for the payment transaction.

          • Cd Code [1..1]ExternalPurpose1Code
          • Prtry Proprietary [1..1]Max35Text
        • RgltryRptg Regulatory Reporting [0..10]RegulatoryReporting3

          Information needed due to regulatory and statutory requirements.

          • DbtCdtRptgInd Debit Credit Reporting Indicator [0..1]RegulatoryReportingType1Code
          • Authrty Authority [0..1]RegulatoryAuthority2
          • Dtls Details [0..*]StructuredRegulatoryReporting3
        • RltdRmtInf Related Remittance Information [0..10]RemittanceLocation8

          Provides information related to the handling of the remittance information by any of the agents in the transaction processing chain.

          • RmtId Remittance Identification [0..1]Max35Text
          • RmtLctnDtls Remittance Location Details [0..*]RemittanceLocationData2
        • RmtInf Remittance Information [0..1]RemittanceInformation22

          Information supplied to enable the matching of an entry with the items that the transfer is intended to settle, such as commercial invoices in an...

          • Ustrd Unstructured [0..*]Max140Text
          • Strd Structured [0..*]StructuredRemittanceInformation18
        • SplmtryData Supplementary Data [0..*]SupplementaryData1

          Additional information that cannot be captured in the structured elements and/or any other specific block.

          • PlcAndNm Place And Name [0..1]Max350Text
          • Envlp Envelope [1..1]SupplementaryDataEnvelope1
      • SplmtryData Supplementary Data [0..*]SupplementaryData1

        Additional information that cannot be captured in the structured elements and/or any 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.

Have a pacs.003 message? Paste it into the parser to see every element with its name and definition, and format checks on BICs, IBANs, dates and amounts.

External code sets used in pacs.003

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

pacs.003 questions

What is the latest version of pacs.003?
The latest version in the ISO 20022 e-Repository release of 24 April 2025 is pacs.003.001.11.
What is the root element of pacs.003?
The XML document is Document with the namespace urn:iso:std:iso:20022:tech:xsd:pacs.003.001.11, and its message element is FIToFICstmrDrctDbt (FIToFICustomerDirectDebit).
Is there an MT equivalent of pacs.003?
Yes. pacs.003 does the same business job as MT104, MT107. Field-level translation has gaps in both directions.

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.