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pain.001.001.02 is the current version of credit transfer message. Version 03 of this payment initiation message is coming in use at the end of year 2010. This message is used for SEPA payments and also for salaries and cross border payments. XMLdation.com validator tool can be used for checking the correctness of payments including the bank and service specific rules. Although pain.001.001.02 message is part of the ISO 20022 standard, banks do have additional rules and recommendations which you have to check before sending the payments to bank. For this have we built a validator tool which has validation rules defined together with the banks.
To find out which banks and payment types we currently support, don't hesitate to contact us. The contact information can be found from here.
ISO's payment message schema can be downloaded at the bottom of this page.