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The pacs.003.001.11 message is an ISO 20022 standard for credit transfers between financial institutions, primarily used for interbank payments. The document outlines the JSON message structure, including sections for group header and credit transfer transaction information, along with detailed field descriptions. It also provides a sample JSON message and notes on currency format, BIC codes, IBAN usage, and charge bearer options.

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Pravin Mandge
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16 views

Untitled Document

The pacs.003.001.11 message is an ISO 20022 standard for credit transfers between financial institutions, primarily used for interbank payments. The document outlines the JSON message structure, including sections for group header and credit transfer transaction information, along with detailed field descriptions. It also provides a sample JSON message and notes on currency format, BIC codes, IBAN usage, and charge bearer options.

Uploaded by

Pravin Mandge
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as DOCX, PDF, TXT or read online on Scribd
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pacs.003.001.

11 – JSON Message
Documentation
1. Overview
The pacs.003.001.11 message is an ISO 20022 standard for financial institution-to-financial
institution credit transfers. It is typically used for interbank payments.

This document provides a breakdown of the JSON message structure, field descriptions, and an
example.

2. JSON Message Structure


The pacs.003 JSON message consists of the following primary sections:

1. Document → Root element


2. FIToFICstmrCdtTrf → Main container for the credit transfer details
○ GrpHdr (Group Header)
○ CdtTrfTxInf (Credit Transfer Transaction Information)

3. Field Descriptions
3.1 Group Header (GrpHdr)
This section provides information about the overall message.

Field Name Type Description

MsgId String Unique identifier for the message.

CreDtTm String (ISO 8601) Date and time when the message was
created.

NbOfTxs Integer Number of transactions in the message.

TtlIntrBkSttlmAmt Object Total settlement amount for all


transactions.
TtlIntrBkSttlmAmt.Cc String Currency code (e.g., "USD").
y

TtlIntrBkSttlmAmt.Va Decimal Total amount to be settled.


lue

IntrBkSttlmDt String (YYYY-MM- Settlement date.


DD)

3.2 Credit Transfer Transaction Information (CdtTrfTxInf)


This section contains details of an individual credit transfer.

Field Name Type Description

PmtId Object Payment identification details.

PmtId.InstrId String Instruction ID for the transaction.

PmtId.EndToEndId String End-to-end transaction reference.

PmtId.TxId String Unique transaction identifier.

IntrBkSttlmAmt Object Settlement amount.

IntrBkSttlmAmt.Ccy String Currency code (e.g., "USD").

IntrBkSttlmAmt.Value Decimal Transaction amount.

ChrgBr String Charge bearer (e.g., "SHA" for


shared).

Dbtr Object Debtor (payer) details.

Dbtr.Nm String Name of the debtor.

Dbtr.PstlAdr Object Debtor’s postal address.

Dbtr.PstlAdr.StrtNm String Street name.

Dbtr.PstlAdr.PstCd String Postal code.

Dbtr.PstlAdr.TwnNm String Town name.


Dbtr.PstlAdr.Ctry String Country code (ISO 3166).

DbtrAcct Object Debtor’s account details.

DbtrAcct.Id.IBAN String IBAN of the debtor's account.

DbtrAgt Object Debtor’s bank (financial institution).

DbtrAgt.FinInstnId.BI String BIC (Bank Identifier Code).


CFI

CdtrAgt Object Creditor’s bank.

CdtrAgt.FinInstnId.BI String BIC of creditor’s bank.


CFI

Cdtr Object Creditor (recipient) details.

Cdtr.Nm String Name of the creditor.

Cdtr.PstlAdr Object Creditor’s postal address.

Cdtr.PstlAdr.StrtNm String Street name.

Cdtr.PstlAdr.PstCd String Postal code.

Cdtr.PstlAdr.TwnNm String Town name.

Cdtr.PstlAdr.Ctry String Country code (ISO 3166).

CdtrAcct Object Creditor’s account details.

CdtrAcct.Id.IBAN String IBAN of the creditor's account.

RmtInf Object Remittance information.

RmtInf.Ustrd String Unstructured remittance details.

4. Sample JSON Message


{
"Document": {
"FIToFICstmrCdtTrf": {
"GrpHdr": {
"MsgId": "ABC123456789",
"CreDtTm": "2025-02-14T12:34:56",
"NbOfTxs": 1,
"TtlIntrBkSttlmAmt": {
"Ccy": "USD",
"Value": 1000.00
},
"IntrBkSttlmDt": "2025-02-15"
},
"CdtTrfTxInf": {
"PmtId": {
"InstrId": "INSTR12345",
"EndToEndId": "E2E98765",
"TxId": "TX123456"
},
"IntrBkSttlmAmt": {
"Ccy": "USD",
"Value": 1000.00
},
"ChrgBr": "SHA",
"Dbtr": {
"Nm": "John Doe",
"PstlAdr": {
"StrtNm": "Main Street",
"PstCd": "12345",
"TwnNm": "New York",
"Ctry": "US"
}
},
"DbtrAcct": {
"Id": {
"IBAN": "US12345678901234567890"
}
},
"DbtrAgt": {
"FinInstnId": {
"BICFI": "BKUSUS33XXX"
}
},
"CdtrAgt": {
"FinInstnId": {
"BICFI": "BKGBGB22XXX"
}
},
"Cdtr": {
"Nm": "Jane Smith",
"PstlAdr": {
"StrtNm": "High Street",
"PstCd": "67890",
"TwnNm": "London",
"Ctry": "GB"
}
},
"CdtrAcct": {
"Id": {
"IBAN": "GB09876543210987654321"
}
},
"RmtInf": {
"Ustrd": "Invoice 98765"
}
}
}
}
}

5. Notes

● Currency Format: The settlement amount (IntrBkSttlmAmt) is represented as an


object with Ccy (currency) and Value (amount).
● BIC Codes: BICFI represents the Bank Identifier Code (SWIFT code) for financial
institutions.
● IBAN: Used for international transactions, ensuring correct account identification.
● Charge Bearer (ChrgBr): Determines who pays transaction fees (SHA = shared, OUR =
sender pays, BEN = beneficiary pays).

6. Conclusion
This document provides a structured explanation of the pacs.003.001.11 JSON message used
in interbank credit transfers.

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