This document describes how the Credit Transfer information is constructed. This is determined by the standard or local guidelines outlined according to the UNIFI ISO 20022 Payments Messages CustomerCreditTransferInitiationV02 (Msg ID pain.001.001.02) and CustomerCreditTransferInitiationV03 (Msg ID pain.001.001.03).
The message is composed of the following building blocks:
| Block | Description | Additional information |
|---|---|---|
| A | Group Header | This building block is mandatory and present once. It contains elements, such as:
|
| B | Payment Information | This building block is mandatory and repetitive. It contains, besides elements related to the debit side of the transaction, such as:
|
| C | Transaction Information | This building block is mandatory and repetitive. It contains, amongst others, elements related to the credit side of the transaction, such as:
|
Grouping combinations
The number of occurrences of the Payment Information and Transaction Information blocks within a message is indicated by the Grouping indicator field in the Group Header for Msg ID pain.001.001.02. The Grouping code is defined on the A/P payment mode. The Grouping: MIXED is only allowed for SEPA Credit Transfer (SCT). The following combinations can appear:
| Combination | Description |
|---|---|
 |
Indicates that for each occurrence of the Payment Information block, exactly one occurrence of the Transaction Information block is present. |
 |
Indicates that there is only once occurrence of the Payment Information block and several occurrences of the Transaction Information block. |
 |
Indicates that there are one or several occurrences of the Payment Information block where each of the occurrences might contain one or several occurrences of the Transaction Information block.
This is mandatory for SEPA Credit Transfer and is the normal grouping even for Credit Transfer. |