ZagTrader

pain: Payments Initiation

pain.007 Customer Payment Reversal

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

pain.007 is the ISO 20022 CustomerPaymentReversal message in the Payments Initiation business area (pain). The latest version is pain.007.001.12, and 12 versions are in the repository.

Message
CustomerPaymentReversal
Latest version
pain.007.001.12
Submitting organisation
ISTH/Swift
MT equivalent
None listed

In use: published in the current ISO 20022 catalogue.

What pain.007 is for

The CustomerPaymentReversal message is sent by the initiating party to the next party in the payment chain. It is used to reverse a payment previously executed.

The CustomerPaymentReversal message is exchanged between a non-financial institution customer and an agent to reverse a CustomerDirectDebitInitiation message that has been settled. The result will be a credit on the debtor account.

The CustomerPaymentReversal message refers to the original CustomerDirectDebitInitiation message by means of references only or by means of references and a set of elements from the original instruction.

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

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

pain.007 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
pain.007.001.12latestRegisteredLatest version set
pain.007.001.11RegisteredPrevious version set
pain.007.001.10RegisteredArchive
pain.007.001.09RegisteredArchive
pain.007.001.08RegisteredArchive
pain.007.001.07RegisteredArchive
pain.007.001.06RegisteredArchive
pain.007.001.05RegisteredArchive
pain.007.001.04RegisteredArchive
pain.007.001.03RegisteredArchive
pain.007.001.02RegisteredArchive
pain.007.001.01RegisteredArchive

pain.007 message structure

The building blocks of pain.007.001.12 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]
    • CstmrPmtRvsl CustomerPaymentReversal [1..1]
      • GrpHdr Group Header [1..1]GroupHeader124

        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
        • 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.

        • GrpRvsl Group Reversal [0..1]TrueFalseIndicator

          Indicates whether the reversal applies to the whole group of transactions or to individual transactions within the original group.

        • InitgPty Initiating Party [0..1]PartyIdentification272

          Party that initiates the reversal message.

          • 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
        • FwdgAgt Forwarding Agent [0..1]BranchAndFinancialInstitutionIdentification8

          Financial institution that receives the instruction from the initiating party and forwards it to the next agent in the payment chain.

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

          Financial institution servicing an account for the debtor.

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

          Financial institution servicing an account for the creditor.

          • FinInstnId Financial Institution Identification [1..1]FinancialInstitutionIdentification23
          • BrnchId Branch Identification [0..1]BranchData5
      • OrgnlGrpInf Original Group Information [1..1]OriginalGroupHeader20

        Information concerning the original group of transactions, to which the message refers.

        • OrgnlMsgId Original Message Identification [1..1]Max35Text

          Point to point reference, as assigned by the original instructing party, to unambiguously identify the original message.

        • OrgnlMsgNmId Original Message Name Identification [1..1]Max35Text

          Specifies the original message name identifier to which the message refers.

        • OrgnlCreDtTm Original Creation Date Time [0..1]ISODateTime

          Date and time at which the original message was created.

        • RvslRsnInf Reversal Reason Information [0..*]PaymentReversalReason10

          Provides detailed information on the reversal reason.

          • Orgtr Originator [0..1]PartyIdentification272
          • Rsn Reason [0..1]ReversalReason4Choice (choice)
          • AddtlInf Additional Information [0..*]Max105Text
      • OrgnlPmtInfAndRvsl Original Payment Information And Reversal [0..*]OriginalPaymentInstruction50

        Information concerning the original payment information, to which the reversal message refers.

        • RvslPmtInfId Reversal Payment Information Identification [0..1]Max35Text

          Unique identification, as assigned by an instructing party for an instructed party, to unambiguously identify the reversed payment information group.

        • OrgnlPmtInfId Original Payment Information Identification [1..1]Max35Text

          Unique identification, as assigned by the original sending party, to unambiguously identify the original payment information group.

        • OrgnlNbOfTxs Original Number Of Transactions [0..1]Max15NumericText

          Number of individual transactions contained in the original payment information group.

        • OrgnlCtrlSum Original Control Sum [0..1]DecimalNumber

          Total of all individual amounts included in the original payment information group, irrespective of currencies.

        • 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...

        • PmtInfRvsl Payment Information Reversal [0..1]TrueFalseIndicator

          Indicates whether or not the reversal applies to the complete original payment information group or to individual transactions within that group.

        • RvslRsnInf Reversal Reason Information [0..*]PaymentReversalReason10

          Provides detailed information on the reversal reason.

          • Orgtr Originator [0..1]PartyIdentification272
          • Rsn Reason [0..1]ReversalReason4Choice (choice)
          • AddtlInf Additional Information [0..*]Max105Text
        • TxInf Transaction Information [0..*]PaymentTransaction156

          Provides information on the original transactions to which the reversal message refers.

          • RvslId Reversal Identification [0..1]Max35Text
          • OrgnlInstrId Original Instruction Identification [0..1]Max35Text
          • OrgnlEndToEndId Original End To End Identification [0..1]Max35Text
          • OrgnlUETR Original UETR [0..1]UUIDv4Identifier
          • OrgnlInstdAmt Original Instructed Amount [0..1]ActiveOrHistoricCurrencyAndAmount
          • RvsdInstdAmt Reversed Instructed Amount [0..1]ActiveOrHistoricCurrencyAndAmount
          • ChrgBr Charge Bearer [0..1]ChargeBearerType1Code
          • RvslRsnInf Reversal Reason Information [0..*]PaymentReversalReason10
          • OrgnlTxRef Original Transaction Reference [0..1]OriginalTransactionReference42
          • SplmtryData Supplementary Data [0..*]SupplementaryData1
      • 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 pain.007 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 pain.007

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

pain.007 questions

What is the latest version of pain.007?
The latest version in the ISO 20022 e-Repository release of 24 April 2025 is pain.007.001.12.
What is the root element of pain.007?
The XML document is Document with the namespace urn:iso:std:iso:20022:tech:xsd:pain.007.001.12, and its message element is CstmrPmtRvsl (CustomerPaymentReversal).
Is there an MT equivalent of pain.007?
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.