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pain: Payments Initiation

pain.009 Mandate Initiation Request

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pain.009 is the ISO 20022 MandateInitiationRequest message in the Payments Initiation business area (pain). The latest version is pain.009.001.08, and 8 versions are in the repository.

Message
MandateInitiationRequest
Latest version
pain.009.001.08
Submitting organisation
Swift
MT equivalent
None listed

In use: published in the current ISO 20022 catalogue.

What pain.009 is for

The MandateInitiationRequest message is sent by the initiator of the request to his agent. The initiator can either be the debtor or the creditor.

The MandateInitiationRequest message is forwarded by the agent of the initiator to the agent of the counterparty.

The MandateInitiationRequest message is used to setup the instruction that allows the debtor agent to accept instructions from the creditor, through the creditor agent, to debit the account of the debtor.

The MandateInitiationRequest message can contain one or more request(s) to setup a specific mandate.

The messages can be exchanged between creditor and creditor agent or debtor and debtor agent and between creditor agent and debtor agent.

The message can also be used by an initiating party that has authority to send the message on behalf of the creditor or debtor.

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

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

pain.009 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.009.001.08latestRegisteredLatest version set
pain.009.001.07RegisteredPrevious version set
pain.009.001.06RegisteredArchive
pain.009.001.05RegisteredArchive
pain.009.001.04RegisteredArchive
pain.009.001.03RegisteredArchive
pain.009.001.02RegisteredArchive
pain.009.001.01RegisteredArchive

pain.009 message structure

The building blocks of pain.009.001.08 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]
    • MndtInitnReq MandateInitiationRequest [1..1]
      • GrpHdr Group Header [1..1]GroupHeader110

        Set of characteristics to identify the message and parties playing a role in the mandate initiation, but which are not part of the mandate.

        • MsgId Message Identification [1..1]Max35Text

          Point to point reference, as assigned by the instructing party, and sent to the instructed party, 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 the authority of the initiating party.

          • Cd Code [1..1]Authorisation1Code
          • Prtry Proprietary [1..1]Max128Text
        • InitgPty Initiating Party [0..1]PartyIdentification272

          Party that initiates the mandate 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
        • InstgAgt Instructing Agent [0..1]BranchAndFinancialInstitutionIdentification8

          Agent that instructs the next party in the chain to carry out an instruction.

          • 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 an instruction.

          • FinInstnId Financial Institution Identification [1..1]FinancialInstitutionIdentification23
          • BrnchId Branch Identification [0..1]BranchData5
      • Mndt Mandate [1..*]Mandate23

        Set of elements used to provide the details of the mandate signed between the (ultimate) creditor and the (ultimate) debtor.

        • MndtId Mandate Identification [0..*]Max35Text

          Unique identification, as assigned by the responsible party (such as the creditor) or agent (such as the debtor agent), to unambiguously identify the...

        • MndtReqId Mandate Request Identification [1..1]Max35Text

          Identification for the mandate request, as assigned by the initiating party.

        • Authntcn Authentication [0..1]MandateAuthentication1

          Specifies the transport authentication details related to the mandate.

          • MsgAuthntcnCd Message Authentication Code [0..1]Max16Text
          • Dt Date [0..1]ISODate
          • Chanl Channel [0..1]AuthenticationChannel1Choice (choice)
        • Tp Type [0..1]MandateTypeInformation2

          Specifies the type of mandate, such as paper, electronic or scheme.

          • SvcLvl Service Level [0..1]ServiceLevel8Choice (choice)
          • LclInstrm Local Instrument [0..1]LocalInstrument2Choice (choice)
          • CtgyPurp Category Purpose [0..1]CategoryPurpose1Choice (choice)
          • Clssfctn Classification [0..1]MandateClassification1Choice (choice)
        • Ocrncs Occurrences [0..1]MandateOccurrences5

          Provides details of the duration of the mandate and occurrence of the underlying transactions.

          • SeqTp Sequence Type [1..1]SequenceType2Code
          • Frqcy Frequency [0..1]Frequency36Choice (choice)
          • Drtn Duration [0..1]DatePeriod3
          • FrstColltnDt First Collection Date [0..1]ISODate
          • FnlColltnDt Final Collection Date [0..1]ISODate
        • TrckgInd Tracking Indicator [1..1]TrueFalseIndicator

          Specifies whether the direct debit instructions should be automatically re-submitted periodically when bilaterally agreed.

        • FrstColltnAmt First Collection Amount [0..1]ActiveCurrencyAndAmount

          Amount different from the collection amount, as it includes the costs associated with the first debited amount.

        • ColltnAmt Collection Amount [0..1]ActiveCurrencyAndAmount

          Fixed amount to be collected from the debtor's account.

        • MaxAmt Maximum Amount [0..1]ActiveCurrencyAndAmount

          Maximum amount that may be collected from the debtor's account, per instruction.

        • Adjstmnt Adjustment [0..1]MandateAdjustment1

          Specifies the characteristics of the adjustment applied to the collection amount of a direct debit instruction.

          • DtAdjstmntRuleInd Date Adjustment Rule Indicator [1..1]TrueFalseIndicator
          • Ctgy Category [0..1]Frequency37Choice (choice)
          • Amt Amount [0..1]ActiveCurrencyAndAmount
          • Rate Rate [0..1]PercentageRate
        • Rsn Reason [0..1]MandateSetupReason1Choice (choice)

          Provides the reason for the setup of the mandate.

          • Cd Code [1..1]ExternalMandateSetupReason1Code
          • Prtry Proprietary [1..1]Max70Text
        • 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
        • Cdtr Creditor [1..1]PartyIdentification272

          Party that signs the mandate and to whom 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 [0..1]BranchAndFinancialInstitutionIdentification8

          Financial institution servicing an account for the creditor.

          • FinInstnId Financial Institution Identification [1..1]FinancialInstitutionIdentification23
          • BrnchId Branch Identification [0..1]BranchData5
        • 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
        • Dbtr Debtor [1..1]PartyIdentification272

          Party that signs the mandate and 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 [0..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
        • 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
        • MndtRef Mandate Reference [0..1]Max35Text

          Reference assigned by a creditor or ultimate creditor for internal usage for the mandate.

        • RfrdDoc Referred Document [0..*]ReferredMandateDocument2

          Provides information to identify the underlying documents associated with the mandate.

          • Tp Type [0..1]DocumentType1
          • Nb Number [0..1]Max35Text
          • CdtrRef Creditor Reference [0..1]Max35Text
          • RltdDt Related Date [0..1]DateAndType1
        • SplmtryData Supplementary Data [0..*]SupplementaryData1

          Additional information that cannot be captured in the structured elements within the message component.

          • 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 pain.009 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.009

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.009 questions

What is the latest version of pain.009?
The latest version in the ISO 20022 e-Repository release of 24 April 2025 is pain.009.001.08.
What is the root element of pain.009?
The XML document is Document with the namespace urn:iso:std:iso:20022:tech:xsd:pain.009.001.08, and its message element is MndtInitnReq (MandateInitiationRequest).
Is there an MT equivalent of pain.009?
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.