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pain.001 Message Builder

Build ISO 20022 Customer Credit Transfer Initiation XML — fill the form, copy the result

Group Header

Debtor → Creditor

Transaction

Generated message

<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.09" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <CstmrCdtTrfInitn>
    <GrpHdr>
      <MsgId>MSGMUAKG9FD</MsgId>
      <CreDtTm>2026-09-21T01:28:12</CreDtTm>
      <NbOfTxs>1</NbOfTxs>
      <CtrlSum>1500.00</CtrlSum>
      <InitgPty>
        <Nm>Formatho Corp</Nm>
        <Id>
          <OrgId>
            <BICOrBEI>FORMATHOXXX</BICOrBEI>
          </OrgId>
        </Id>
      </InitgPty>
    </GrpHdr>
    <PmtInf>
      <PmtInfId>PMT-MSGMUAKG9FD-01</PmtInfId>
      <PmtMtd>TRF</PmtMtd>
      <ReqdExctnDt>2026-09-21</ReqdExctnDt>
      <SvcLvl><Cd>SEPA</Cd></SvcLvl>
      <Dbtr>
        <Nm>John Doe</Nm>
        <PstlAdr>
          <Ctry>DE</Ctry>
        </PstlAdr>
      </Dbtr>
      <DbtrAcct>
        <Id>
          <IBAN>DE89370400440532013000</IBAN>
        </Id>
      </DbtrAcct>
      <DbtrAgt>
        <FinInstnId>
          <BICFi>COBADEFFXXX</BICFi>
        </FinInstnId>
      </DbtrAgt>
      <CdtTrfTxInf>
        <PmtId>
          <EndToEndId>MSGMUAKG9FD-E2E-01</EndToEndId>
        </PmtId>
        <Amt>
          <InstdAmt Ccy="EUR">1500.00</InstdAmt>
        </Amt>
        <CdtrAgt>
          <FinInstnId>
            <BICFi>BNPAFRPPXXX</BICFi>
          </FinInstnId>
        </CdtrAgt>
        <Cdtr>
          <Nm>Jane Smith</Nm>
          <PstlAdr>
            <Ctry>FR</Ctry>
          </PstlAdr>
        </Cdtr>
        <CdtrAcct>
          <Id>
            <IBAN>FR1420041010050500013M02606</IBAN>
          </Id>
        </CdtrAcct>
        <RmtInf>
          <Ustrd>Invoice INV-2026-001</Ustrd>
        </RmtInf>
      </CdtTrfTxInf>
    </PmtInf>
  </CstmrCdtTrfInitn>
</Document>

About the Pain001 Builder

pain.001 is the ISO 20022 Customer Credit Transfer Initiation message — the file businesses submit to banks to execute payments. Building one by hand means namespaces, group headers, and structured party identifiers, all in exactly the right order.

This builder generates a schema-conformant pain.001 from a form: debtor, creditor, amount, SEPA service levels, purpose codes. Fill it in, get valid XML — generated in your browser, so payment details never leave your machine until you choose to send the file to your bank.

How to use

  1. Enter debtor and creditor details, amount, and currency.
  2. Choose service level and purpose code.
  3. Copy or download the generated pain.001 XML.