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Alex initiated €25
Beat · clearing-sct-happy-path · 3
What is happening
pacs.008 forwarded
The creditor bank validates the IBAN, screens against sanctions lists and checks the account is open.
SEPA Credit TransferWhich rules? — SEPA Credit TransferWhich system? — STEP2
ISO 20022 payload· XML
pacs.008 interbank credit transfer
The same payment on the interbank leg. InstdAmt became IntrBkSttlmAmt, an IntrBkSttlmDt appeared, and TxId is now the identifier the CSM quotes in every response.
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pacs.008.001.08">
<FIToFICstmrCdtTrf>
<GrpHdr>
<MsgId>PACS8-20260812-77412</MsgId>
<CreDtTm>2026-08-12T09:14:24</CreDtTm>
<NbOfTxs>1</NbOfTxs>
<TtlIntrBkSttlmAmt Ccy="EUR">1250.00</TtlIntrBkSttlmAmt>
<IntrBkSttlmDt>2026-08-13</IntrBkSttlmDt>
<SttlmInf>
<SttlmMtd>CLRG</SttlmMtd>
<ClrSys>
<Cd>STEP2</Cd>
</ClrSys>
</SttlmInf>
<InstgAgt>
<FinInstnId>
<BICFI>DEMOFRPPXXX</BICFI>
</FinInstnId>
</InstgAgt>
<InstdAgt>
<FinInstnId>
<BICFI>COBADEFFXXX</BICFI>
</FinInstnId>
</InstdAgt>
</GrpHdr>
<CdtTrfTxInf>
<PmtId>
<InstrId>INSTR-0001</InstrId>
<EndToEndId>E2E-2026-0842</EndToEndId>
<TxId>TX-DEMO-0000771412</TxId>
</PmtId>
<PmtTpInf>
<SvcLvl>
<Cd>SEPA</Cd>
</SvcLvl>
</PmtTpInf>
<IntrBkSttlmAmt Ccy="EUR">1250.00</IntrBkSttlmAmt>
<IntrBkSttlmDt>2026-08-13</IntrBkSttlmDt>
<ChrgBr>SLEV</ChrgBr>
<Dbtr>
<Nm>Marie Lefebvre</Nm>
</Dbtr>
<DbtrAcct>
<Id>
<IBAN>FR7630006000011234567890189</IBAN>
</Id>
</DbtrAcct>
<DbtrAgt>
<FinInstnId>
<BICFI>DEMOFRPPXXX</BICFI>
</FinInstnId>
</DbtrAgt>
<CdtrAgt>
<FinInstnId>
<BICFI>COBADEFFXXX</BICFI>
</FinInstnId>
</CdtrAgt>
<Cdtr>
<Nm>Atelier Rousseau SARL</Nm>
</Cdtr>
<CdtrAcct>
<Id>
<IBAN>DE89370400440532013000</IBAN>
</Id>
</CdtrAcct>
<RmtInf>
<Ustrd>Facture 2026-0842</Ustrd>
</RmtInf>
</CdtTrfTxInf>
</FIToFICstmrCdtTrf>
</Document>