pain00800102

Pain00800102 is an ISO 20022 message definition in the pain (Payments Initiation and Transfers) schema. It represents the FIToFICustomerDirectDebitInitiation message with version 02 and is used to initiate direct debit collections from a debtor’s bank account to a creditor’s account. The message is commonly employed in SEPA and other ISO 20022–enabled markets, where the debtor’s financial institution acts on behalf of the debtor to collect funds.

A pain.008.001.02 message consists of a header and a set of structured data blocks. The header (GrpHdr) includes a unique message identification, creation date and time, and the initiating party. The payment information block (PmtInf) describes the debtor, the debtor’s account and agent, and the terms of the direct debit collection. Within PmtInf, one or more direct debit transaction information blocks (DrctDbtTxInf) specify each debit: the instructed amount, debtor and creditor accounts and agents, and optional mandate details (MndtRltdInf) and remittance information (RmtInf).

Usage and semantics revolve around authorizing and processing a debtor’s direct debit. The message conveys the mandate reference, collection date, and payment details which the creditor’s bank uses to debit the debtor’s account and credit the creditor. Status updates and related reporting, when needed, are typically handled by other ISO 20022 messages.

Implementation notes emphasize that pain.008.001.02 is part of a standardized schema; the “02” suffix denotes a specific revision. Adoption and required data elements can vary by market and local regulatory requirements. The message is commonly exchanged in XML according to the ISO 20022 schema, with appropriate validation and security measures.

See also: ISO 20022 pain messages, SEPA Direct Debit, FIToFICustomerDirectDebitInitiation.