Payments Initiation

CreditorPaymentActivationRequestV09

painarea

013message

001variant

09version

Payments Initiation

Request-to-Pay. The creditor asks the debtor to authorise a payment — the ISO underpinning of SRTP and of most PISP-at-checkout products.

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 pain.013.001.09 (variant 001, version 09).

Facts

Root element: CdtrPmtActvtnReq
Direction: Customer → bank
Namespace: urn:iso:std:iso:20022:tech:xsd:pain.013.001.09
Variant (flavour): 001
Version: 09

request to payrtpsrtppain

Elements a validator will insist on

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

CdtrPmtActvtnReq/GrpHdr/MsgId
CdtrPmtActvtnReq/PmtInf/CdtTrfTx/PmtId/EndToEndId

ISO 20022 payload· XML

pain.013 request to pay

Creditor payment activation request — the ISO shape behind Request-to-Pay. Switch XML | JSON in the inspector without leaving this sample.

<Nm>Atelier Rousseau SARL</Nm>

</InitgPty>

</GrpHdr>

<PmtInfId>PMTINF-RTP-001</PmtInfId>

</ReqdExctnDt>

<Dbtr>

<Nm>Marie Lefebvre</Nm>

</Dbtr>

<Id>

</Id>

</DbtrAcct>

<BICFI>DEMOFRPPXXX</BICFI>

</FinInstnId>

</DbtrAgt>

<PmtId>

</PmtId>

<Amt>

</Amt>

<BICFI>COBADEFFXXX</BICFI>

</FinInstnId>

</CdtrAgt>

<Cdtr>

<Nm>Atelier Rousseau SARL</Nm>

</Cdtr>

<Id>

</Id>

</CdtrAcct>

<Ustrd>Facture RTP 2026-12</Ustrd>

</RmtInf>

</CdtTrfTx>

</PmtInf>

</CdtrPmtActvtnReq>

</Document>

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