Payments Clearing & Settlement

FinancialInstitutionCreditTransferV09

pacsarea

009message

001variant

09version

Payments Clearing & Settlement

Bank-to-bank transfer where both parties are financial institutions — cover payments and liquidity moves.

Start with the payment story

SWIFT / CBPR+

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.009.001.09 (variant 001, version 09).

Facts

Root element: FICdtTrf
Direction: Bank → bank
Namespace: urn:iso:std:iso:20022:tech:xsd:pacs.009.001.09
Variant (flavour): 001
Version: 09

interbankcoverliquiditypacs

Elements a validator will insist on

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

FICdtTrf/GrpHdr/MsgId
FICdtTrf/CdtTrfTxInf/PmtId/TxId
FICdtTrf/CdtTrfTxInf/IntrBkSttlmAmt

ISO 20022 payload· XML

pacs.009 FI credit transfer

Bank-to-bank credit — cover or liquidity, not a customer payment. Switch XML | JSON in the inspector without leaving this sample.

</SttlmInf>

</GrpHdr>

<PmtId>

</PmtId>

<BICFI>DEMOFRPPXXX</BICFI>

</FinInstnId>

</DbtrAgt>

<BICFI>COBADEFFXXX</BICFI>

</FinInstnId>

</CdtrAgt>

<Dbtr>

<BICFI>DEMOFRPPXXX</BICFI>

</FinInstnId>

</Dbtr>

<Cdtr>

<BICFI>COBADEFFXXX</BICFI>

</FinInstnId>

</Cdtr>

</CdtTrfTxInf>

</FICdtTrf>

</Document>

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