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pain: Payments Initiation

pain.008 Customer Direct Debit Initiation

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pain.008 is the ISO 20022 CustomerDirectDebitInitiation message in the Payments Initiation business area (pain). The latest version is pain.008.001.11, and 11 versions are in the repository.

Message
CustomerDirectDebitInitiation
Latest version
pain.008.001.11
Submitting organisation
ISTH/Swift
MT equivalent
None listed

In use: published in the current ISO 20022 catalogue.

What pain.008 is for

The CustomerDirectDebitInitiation message is sent by the initiating party to the forwarding agent or creditor agent. It is used to request single or bulk collection(s) of funds from one or various debtor's account(s) for a creditor.

The CustomerDirectDebitInitiation message can contain one or more direct debit instructions.

The message can be used in a direct or a relay scenario:

- In a direct scenario, the message is sent directly to the creditor agent. The creditor agent is the account servicer of the creditor.

- In a relay scenario, the message is sent to a forwarding agent. The forwarding agent acts as a concentrating financial institution. It will forward the CustomerDirectDebitInitiation message to the creditor agent.

The message can also be used by an initiating party that has authority to send the message on behalf of the creditor. This caters for example for the scenario of a payments factory initiating all payments on behalf of a large corporate.

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

The CustomerDirectDebitInitiation may or may not contain mandate related information, i.e. extracts from a mandate, such as MandateIdentification or DateOfSignature. The CustomerDirectDebitInitiation message must not be considered as a mandate.

The CustomerDirectDebitInitiation message must not be used by the creditor agent to execute the direct debit instruction(s). The FIToFICustomerDirectDebit message must be used instead.

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

pain.008 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.008.001.11latestRegisteredLatest version set
pain.008.001.10RegisteredPrevious version set
pain.008.001.09RegisteredArchive
pain.008.001.08RegisteredArchive
pain.008.001.07RegisteredArchive
pain.008.001.06RegisteredArchive
pain.008.001.05RegisteredArchive
pain.008.001.04RegisteredArchive
pain.008.001.03RegisteredArchive
pain.008.001.02RegisteredArchive
pain.008.001.01RegisteredArchive

pain.008 message structure

The building blocks of pain.008.001.11 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]
    • CstmrDrctDbtInitn CustomerDirectDebitInitiation [1..1]
      • GrpHdr Group Header [1..1]GroupHeader118

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

        • MsgId Message Identification [1..1]Max35Text

          Point to point reference, 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 that allows to check if the initiating party is allowed to initiate transactions from the account specified in...

          • 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.

        • InitgPty Initiating Party [1..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
        • 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 for execution.

          • FinInstnId Financial Institution Identification [1..1]FinancialInstitutionIdentification23
          • BrnchId Branch Identification [0..1]BranchData5
      • PmtInf Payment Information [1..*]PaymentInstruction45

        Set of characteristics that apply to the credit side of the payment transactions included in the direct debit transaction initiation.

        • PmtInfId Payment Information Identification [1..1]Max35Text

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

        • PmtMtd Payment Method [1..1]PaymentMethod2Code

          Specifies the means of payment that will be used to move the amount of money.

        • ReqdAdvcTp Requested Advice Type [0..1]AdviceType1

          Type of advice details requested.

          • CdtAdvc Credit Advice [0..1]AdviceType1Choice (choice)
          • DbtAdvc Debit Advice [0..1]AdviceType1Choice (choice)
        • 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 [0..1]Max15NumericText

          Number of individual transactions contained in the payment information group.

        • CtrlSum Control Sum [0..1]DecimalNumber

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

        • PmtTpInf Payment Type Information [0..1]PaymentTypeInformation29

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

          • InstrPrty Instruction Priority [0..1]Priority2Code
          • 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)
        • ReqdColltnDt Requested Collection Date [1..1]ISODate

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

        • 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 [1..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 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
        • 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
        • ChrgBr Charge Bearer [0..1]ChargeBearerType1Code

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

        • ChrgsAcct Charges Account [0..1]CashAccount40

          Account used to process charges associated with a 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
        • ChrgsAcctAgt Charges Account Agent [0..1]BranchAndFinancialInstitutionIdentification8

          Agent that services a charges account.

          • FinInstnId Financial Institution Identification [1..1]FinancialInstitutionIdentification23
          • BrnchId Branch Identification [0..1]BranchData5
        • CdtrSchmeId Creditor Scheme Identification [0..1]PartyIdentification272

          Credit party that signs the mandate.

          • 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
        • DrctDbtTxInf Direct Debit Transaction Information [1..*]DirectDebitTransactionInformation32

          Provides information on the individual transaction(s) included in the message.

          • PmtId Payment Identification [1..1]PaymentIdentification6
          • PmtTpInf Payment Type Information [0..1]PaymentTypeInformation29
          • InstdAmt Instructed Amount [1..1]ActiveOrHistoricCurrencyAndAmount
          • ChrgBr Charge Bearer [0..1]ChargeBearerType1Code
          • DrctDbtTx Direct Debit Transaction [0..1]DirectDebitTransaction12
          • UltmtCdtr Ultimate Creditor [0..1]PartyIdentification272
          • DbtrAgt Debtor Agent [1..1]BranchAndFinancialInstitutionIdentification8
          • DbtrAgtAcct Debtor Agent Account [0..1]CashAccount40
          • Dbtr Debtor [1..1]PartyIdentification272
          • DbtrAcct Debtor Account [1..1]CashAccount40
          • UltmtDbtr Ultimate Debtor [0..1]PartyIdentification272
          • InstrForCdtrAgt Instruction For Creditor Agent [0..1]Max140Text
          • Purp Purpose [0..1]Purpose2Choice (choice)
          • RgltryRptg Regulatory Reporting [0..10]RegulatoryReporting3
          • Tax Tax [0..1]TaxData1
          • RltdRmtInf Related Remittance Information [0..10]RemittanceLocation8
          • RmtInf Remittance Information [0..1]RemittanceInformation22
          • 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.008 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.008

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.008 questions

What is the latest version of pain.008?
The latest version in the ISO 20022 e-Repository release of 24 April 2025 is pain.008.001.11.
What is the root element of pain.008?
The XML document is Document with the namespace urn:iso:std:iso:20022:tech:xsd:pain.008.001.11, and its message element is CstmrDrctDbtInitn (CustomerDirectDebitInitiation).
Is there an MT equivalent of pain.008?
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.