Account Management

IdentificationVerificationRequestV04

acmtarea

023message

001variant

04version

Account Management

Verification of Payee. Since the SEPA Instant Regulation made VoP mandatory in October 2025, this is the pre-flight check before a credit transfer leaves.

Start with the payment story

SEPA Instant

Then the technical flows

Schema versions

SWIFT and ISO publish successive XSD revisions of the same business message (e.g. pacs.008.001.08 → .10 → .13; same pattern for camt and pain). Markets pin one via a usage guideline (EPC SEPA, CBPR+, Swiss SPS…) and may add a country suffix (pacs.008.001.08.ch.02) — the Document xmlns must match that XSD.

ISO catalogue (XSD) ↗SWIFT / CBPR+ ↗SWIFT & versioning glossary →

Catalogue entry acmt.023.001.04 (variant 001, version 04).

Facts

Root element: IdVrfctnReq
Direction: Bank → bank
Namespace: urn:iso:std:iso:20022:tech:xsd:acmt.023.001.04
Variant (flavour): 001
Version: 04

vopverification of payeeconfirmation of payeeacmtipr

Elements a validator will insist on

Not the full XSD — the paths whose absence causes the rejections you actually see in production.

IdVrfctnReq/Assgnmt/MsgId
IdVrfctnReq/Vrfctn/Id
IdVrfctnReq/Vrfctn/PtyAndAcctId

Usage in flows

ISO 20022 payload· XML

acmt.023 verification request

Verification of Payee. Send the name exactly as the PSU typed it — normalising it here defeats the purpose of the check. Switch XML | JSON in the inspector without leaving this sample.

<Agt>

<BICFI>DEMOFRPPXXX</BICFI>

</FinInstnId>

</Agt>

</Assgnr>

<Agt>

<BICFI>COBADEFFXXX</BICFI>

</FinInstnId>

</Agt>

</Assgne>

</Assgnmt>

<Pty>

<Nm>Atelier Rousseau SARL</Nm>

</Pty>

<Acct>

<Id>

</Id>

</Acct>

</PtyAndAcctId>

</Vrfctn>

</IdVrfctnReq>

</Document>

Open in Try editor →

Edit in the XML / JSON tab, then run the check.