Payments Clearing & Settlement
PaymentReturnV09
Payments Clearing & Settlement
Money going back. Used for returns after settlement and as the positive answer to a recall. Carries RtrRsnInf with the original reason code.
Start with the payment story
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 pacs.004.001.09 (variant 001, version 09).
Facts
- Root element
PmtRtr- Direction
- Bank → bank
- Namespace
urn:iso:std:iso:20022:tech:xsd:pacs.004.001.09- Variant (flavour)
001- Version
09
Elements a validator will insist on
Not the full XSD — the paths whose absence causes the rejections you actually see in production.
- PmtRtr/GrpHdr/MsgId
- PmtRtr/TxInf/RtrId
- PmtRtr/TxInf/OrgnlEndToEndId
- PmtRtr/TxInf/RtrdIntrBkSttlmAmt
- PmtRtr/TxInf/RtrRsnInf/Rsn/Cd
Usage in flows
ISO 20022 payload· XML
pacs.004 payment return
The money coming back. RtrRsnInf echoes FOCR (following cancellation request) so the debtor bank can match the credit to the original recall case. Switch XML | JSON in the inspector without leaving this sample.
Edit in the XML / JSON tab, then run the check.