This page contains a description of the input XML file for the PAIN.001.001.03 format, which is used for Book transfers, ACH Push CCD/PPD, and Fedwires.

The following is a high-level example of a PAIN.001.001.03 input XML file:

The root document tag for the input file is CstmrCdtTrfInitn. It contains a Group Header and at least one Payment Information building block (corresponding to a batch). The Group Header contains metadata that relates to all the batches in the file. Each batch contains meta data for all the transactions within.

Your XML Input file must include a group header using the GrpHdr building block. This building block is only present once in a file and contains a set of characteristics shared by all the individual instructions included in the message.

Here's an explanation of the different tags in the GrpHdr block as shown above:

The Initiating Party is the party initiating the payment (the debtor).

Here's an explanation of the different tags in the InitgPty block as shown above:

The PmtInf block contains payment information per batch in your file. You must include at least one PmtInf block in your file. In most cases the input file contains only one PmtInf block, with one set of payment instructions. This enables you to indicate general properties (such as execution date, debtor, payment type and debited account) once at the level of the PmtInf block.

You might want to use multiple PmtInf blocks if the file includes instructions to debit more than one account. In that case, you need a PmtInf block for each account that is going to be debited.

Below is an explanation of the different top-level tags and blocks found in the PmtInf block as shown above. These tags and blocks appear once for each PmtInf block, except for the CdtTrfTxInf block, which can appear multiple times, representing multiple transactions. Each of the other tags and blocks applies to all CdtTrfTxInf blocks that appear in the PmtInf block:

The PmtTpInf block contains information on the payment type. The following example is generic, while each example after it is specific to a rail type.

For ACH Push CCD, the following PmtTpInf block is used:

For ACH Push PPD, the following PmtTpInf block is used:

For Fedwires and Book transfers, the following PmtTpInf block is used:

Here's an explanation of the different tags in the PmtTpInf block as shown in the examples above.

The Dbtr block contains information on the name and postal address of the originator (debtor).

All the above fields in the Dbtr block are required.

The DbtrAccount block contains information on the account of the originator that will be debited.

Here's an explanation of the different tags in the DbtrAccount block as shown above:

All the above fields in the DbtrAcct block are required.

The DbtrAgt block contains information on the originator's financial institution.

Here's an explanation of the different tags in the DbtrAgt block as shown above:

The CdtTrfTxInf block includes elements related to the credit side of the transaction, such as creditor and remittance information for the transaction. You can use this block repeatedly within the same PmtInf block. The number of occurrences of the CdtTrfTxInf block within a file is indicated by the NbOfTxs field in the Group Header (GrpHdr).

Here's an explanation of the different tags in the CdtTrfTxInf block as shown above:

The CdtrAgt block contains information on the creditor's financial institution for the transaction.

Here's an explanation of the different tags in the CdtrAgt block as shown above: