pain.001 — Payment Instruction
What is pain.001 (CustomerCreditTransferInitiation)? The ISO 20022 payment initiation message sent from customer to bank.
Published:
Updated:
pain.001 (CustomerCreditTransferInitiation) is the payment initiation message sent from customer to bank in the ISO 20022 standard. It is the core format organisations use to submit bulk or single transfer instructions to their banks.
What does it contain?
- The payer (debtor) and account details
- One or more payment items (recipient IBAN, amount, remittance information)
- The execution date and charge preference
Response message
The message the bank sends to report the status of the instruction (accepted/rejected) is the pain.002 message.
Related
The pain series is the “Payments Initiation” group. For account reporting, see the camt messages.
The field structure and mandatory elements can vary by version and by bank; for integration, rely on your bank’s technical documentation.
Sources
Confidence is graded from A (official document) to E (unverified).
ISO 20022 message standards (pain / camt)
ISO 20022 Registration Authority
- Document date:
- 2025
- Last checked:
- 2026-07-16