GLOBAL PAYMENTS KNOWLEDGEISO 20022 / SWIFT / SEPA / MT / MX
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ANNOTATED SAMPLE

pacs.003 FI-to-FI direct-debit collection

A fictional SDD Core inter-PSP collection derived from a pain.008.

Contributor Shubham Mathure

Illustrative, non-production example. Values are fictional and the message is not validated for any specific network, scheme, or implementation guide.

EVIDENCE AT ARM'S REACH

DOWNLOAD AND GOVERNING SOURCES

Download the canonical fictional sample, then open the exact official definition and profile needed for implementation testing.

An XSD checks XML structure. A usage guideline adds profile rules, conditional fields, code restrictions, and business controls. XSD-valid does not mean scheme-compliant.

XSD + definitionBase ISO 20022current

ISO 20022 message definitions and XSDs

Choose the exact message definition in the official catalogue. The base XSD checks XML structure; it does not prove compliance with a scheme profile.

Owner
ISO 20022 Registration Authority
Checked
2026-07-12
Access
Official page · Public official catalogue; select the required message version before downloading.
OPEN OFFICIAL SOURCE
RulebookSEPA SDD Corecurrent

SEPA Direct Debit Core rulebook

The controlling scheme rules for mandates, collections, R-transactions, timelines, and consumer refund rights.

Owner
European Payments Council
Version
2025 version 1.1 (EPC016-06)
Checked
2026-07-13
Access
Official page · Public EPC document page; use the version effective for the collection date.
OPEN OFFICIAL SOURCE
Usage guidelineSEPA SDD Corecurrent

SEPA Direct Debit Core implementation guidelines and XSDs

Customer-to-PSP and Inter-PSP SDD Core profiles. EPC XSD technical validation subsets express guideline restrictions but are not production artefacts or proof of complete scheme compliance.

Owner
European Payments Council
Version
2025 version 1.0
Checked
2026-07-19
Access
Official page · Public EPC scheme page with owner-hosted guideline and XSD downloads.
OPEN OFFICIAL SOURCE
RulebookSEPA SDD B2Bcurrent

SEPA Direct Debit B2B rulebook

The business-to-business mandate, debtor-bank checking, collection, exception, and refund-right rules.

Owner
European Payments Council
Version
2025 version 1.1 (EPC222-07)
Checked
2026-07-13
Access
Public download · Public owner-hosted EPC PDF; confirm the effective version before implementation.
DOWNLOAD FROM OWNER
Usage guidelineSEPA SDD B2Bcurrent

SEPA Direct Debit B2B implementation guidelines and XSDs

Customer-to-PSP, Inter-PSP, and e-mandate profiles. EPC XSD technical validation subsets express guideline restrictions but are not production artefacts or proof of complete scheme compliance.

Owner
European Payments Council
Version
2025 version 1.0
Checked
2026-07-19
Access
Official page · Public EPC scheme page with owner-hosted guideline and XSD downloads.
OPEN OFFICIAL SOURCE
Teaching sampleScheme-neutral teachingcurrent

pacs.003 FI-to-FI direct-debit collection — raw XML

A fictional SDD Core inter-PSP collection derived from a pain.008. SYNTHETIC / TRAINING ONLY; illustrative unvalidated.

Owner
Payments Signal
Version
pacs.003.001.11
Checked
2026-07-19
Integrity
crc32:051e41e4
Access
Payments Signal download · Original fictional teaching sample; no login required.
DOWNLOAD
Field matrixBase ISO 20022current

pacs.003 field matrix

Curated field requirements, contexts, operational meaning, and implementation cautions.

Owner
Payments Signal
Checked
2026-07-19
Integrity
crc32:fa395f36
Access
Payments Signal download · Original, source-backed teaching asset; no login required.
DOWNLOAD
Profile packSEPA SDD Corecurrent

SEPA direct-debit implementation pack

Generated mapping, field-matrix, test, checklist, acceptance-criteria, migration, manifest, checksum, and source-inventory bundle.

Owner
Payments Signal
Checked
2026-07-19
Integrity
crc32:458732a2
Access
Payments Signal download · Original generated teaching pack; no login required.
DOWNLOAD
pacs.003
<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pacs.003.001.11">
  <FIToFICstmrDrctDbt>
    <GrpHdr>

      <CreDtTm>2026-07-18T08:05:00Z</CreDtTm>
      <NbOfTxs>1</NbOfTxs>
      <CtrlSum>480.00</CtrlSum>
      <IntrBkSttlmDt>2026-07-21</IntrBkSttlmDt>
      <SttlmInf><SttlmMtd>CLRG</SttlmMtd></SttlmInf>
    </GrpHdr>
    <DrctDbtTxInf>
      <PmtId>
        <InstrId>DEMO-SDD-INSTR-001</InstrId>

        <TxId>DEMO-SDD-TX-001</TxId>
      </PmtId>
      <PmtTpInf>
        <SvcLvl><Cd>SEPA</Cd></SvcLvl>
        <LclInstrm><Cd>CORE</Cd></LclInstrm>
        <SeqTp>RCUR</SeqTp>
      </PmtTpInf>

      <DrctDbtTx>
        <MndtRltdInf>

          <DtOfSgntr>2026-01-10</DtOfSgntr>
        </MndtRltdInf>
      </DrctDbtTx>

      <Cdtr><Nm>Asha Traders</Nm></Cdtr>

      <Dbtr><Nm>Riya Example</Nm></Dbtr>
      <DbtrAcct><Id><IBAN>GB33BUKB20201555555555</IBAN></Id></DbtrAcct>
      <RmtInf><Ustrd>DEMO INVOICE 480</Ustrd></RmtInf>
    </DrctDbtTxInf>
  </FIToFICstmrDrctDbt>
</Document>

EVERY ANNOTATED FIELD

GrpHdr/MsgId Message identification — mandatory

Unique identifier for the inter-PSP collection message.

GrpHdr/IntrBkSttlmDt Interbank settlement date — conditional

Date assigned to the inter-PSP settlement obligation.

DrctDbtTxInf/PmtId/EndToEndId End-to-end identification — mandatory

Creditor reference carried from the customer initiation for reconciliation.

DrctDbtTxInf/IntrBkSttlmAmt Interbank settlement amount — mandatory

Amount and currency forming the inter-PSP collection obligation.

DrctDbtTxInf/DrctDbtTx/MndtRltdInf/MndtId Mandate identification — mandatory

Reference to the mandate supporting the collection.

DrctDbtTxInf/CdtrAgt Creditor agent — mandatory

PSP acting for the creditor.

DrctDbtTxInf/DbtrAgt Debtor agent — mandatory

PSP expected to debit the debtor account or return the collection.

DrctDbtTxInf/RmtInf Remittance information — optional

Reference helping the debtor and creditor identify the underlying bill.

FULL pacs.003 REFERENCE →

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