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

General Information

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    Version as of 10:31, 24 May 2019

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    Messages

    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: http://www.iso20022.org/.

    SEPA

    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.

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