The SEPA Bank to Customer Reject message (pain.002) is a standard XML message format used in the Single Euro Payments Area (SEPA) for notifying the sender of a payment about the rejection or refusal of a payment transaction by the receiving bank.
The pain.002 message contains various fields or XML elements that provide information about the rejected payment, including:
1. Message Identification: A unique identifier for the rejection message.
2. Original Group Information: Information about the original payment group or batch.
3. Original Payment Information: Details of the rejected payment transaction, such as the amount, currency, and payment reference.
4. Rejection Reason: Explanation or code indicating the reason for the rejection.
5. Rejection Information: Additional details or comments related to the rejection.
Here's an example of a pain.002 message in XML format:
```xml
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.002">
<CstmrPmtStsRpt>
<GrpHdr>
<MsgId>REJ20220001</MsgId>
<CreDtTm>2022-01-01T10:00:00</CreDtTm>
</GrpHdr>
<OrgnlGrpInfAndSts>
<OrgnlMsgId>GRP20220001</OrgnlMsgId>
<GrpSts>RJCT</GrpSts>
</OrgnlGrpInfAndSts>
<TxInfAndSts>
<OrgnlInstrId>PMT20220001</OrgnlInstrId>
<OrgnlEndToEndId>ENDTOEND20220001</OrgnlEndToEndId>
<TxSts>RJCT</TxSts>
<Rsn>
<Cd>AC01</Cd>
<Prtry>Invalid Account Number</Prtry>
</Rsn>
</TxInfAndSts>
</CstmrPmtStsRpt>
</Document>
```
In this example, the pain.002 message informs the sender that a specific payment instruction (PMT20220001) within a payment group (GRP20220001) has been rejected due to an invalid account number (AC01). The rejection status is indicated as "RJCT" for both the payment group and the individual payment instruction.
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