Page last modified 12:04, 9 Sep 2009 by juhako

General Information

    Table of contents

    Version as of 10:31, 24 May 2019

    to this version.

    Return to Version archive.

    View current version


    You can find generic information about the messages sent between customer and bank when executing payments from this page.
    This means two main types of messages:

    • Payment initiation messages from customer to bank (pain.001.001.0x).
    • Status reports from bank to customer (pain.002.001.0x).

    These messages are defined by ISO 20022 Universal financial industry message scheme (UNIFI). Messages are based on XML (Extensible Mark-up Language). You can get full definition of these messages from the ISO 20022 web site:


    SEPA is Single Euro Payments Area and it aims to create a zone for the euro in which all electronic payments are considered domestic. And where the differences between national and intra-European cross border payments stop exist. SEPA project aims to improve the efficiency of cross border payments and turn the fragmented national markets for euro payments into a single domestic one: SEPA will enable customers to make cashless euro payments to anyone located anywhere in the area using only a single bank account and a single set of payment instruments.