This page contains a description of the input XML file for the PAIN.008.001.02 specification, which is used for ACH Direct Debit (ACH Pull) CCD and PPD payments.

The following is a high-level example of a PAIN.008.001.02 input XML file:

The root document tag for the input file is CstmrDrctDbtInitn. 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. This is the party that initiates the credit transfer on behalf of the debtor.

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

Nm: Name by which the originating party is known and which is usually used to identify that party.

Id: Identifier. The parent element of the OrgId element containing the identifying information about the initiating party.

OrgId: Organization Identification block containing the initiating party's identification in its child elements.

Othr: A block containing the initiating party's identification in a child element.

Id: The unique and unambiguous identifier the initiating party, which can be an organization or an individual person.

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, creditor information, and credited account) once at the level of the PmtInf block.

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

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 DrctDbtTxInf block, which can appear multiple times, representing multiple transactions. Each of the other tags and blocks applies to all DrctDbtTxInf blocks that appear in the PmtInf block:

The PmtTpInf block contains information on the payment type.

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

The Cdtr block contains information on the name, postal address and ID of the originator (creditor).

The CdtrAccount block contains information on the account of the originator that will be credited.

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

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

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

The DrctDbtTxInf block includes elements related to the debit side of the transaction, such as debitor and remittance information for the transaction. You can use this block repeatedly within the same PmtInf block. The number of occurrences of the DrctDbtTxInf 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 DrctDbtTxInf block as shown above:

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

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