Pain.008 is a payments initation message by ISO 20022. It depicts a Direct Debit message in XML format.
The version two of the message, pain.008.001.02, is currently the most used version of ISO 20022 Direct Debit message and is mandated message to be used in SEPA version 8.1 .
Versions 03, 04 and 05 are already published by ISO 20022.
Pain.008 in XMLdation's environment
XMLdation service has a validation tool which can be used for checking the correctness of payments, including the bank and service specific rules. Although pain.008 message is part of the ISO 20022 standard, banks tend to have additional rules and recommendations which have to be obeyed before a bank is able to accept the payment. For this reason we have built a validation tool which has validation rules defined together with several banks.
In ISO 20022’s naming scheme, message type is described with four letters followed by three sets of numbers. This can be seen in the figure below.
An abbreviation is used for the message type, followed by message sub-type number, variant number and finally a version number.
Payment message schemas in ISO 20022's catalogue page
XMLdation's example validation report
Official information in ISO 20022 home page
 EPC's SEPA 8.1 DD Core Implementation Guidelines: http://www.europeanpaymentscouncil.e...1-approvedpdf/