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Payment Messages

This section lists the most commonly used types of messages in payment initiation and related areas.

A more detailed list of messages, as well as XSD schema files for validating the correctness of XML messages, can be found at:

  • SEPA – Latvia Central Bank EKS description

    • See: Information for EKS participants → Functional Specification of the EKS: Clearing Service
    • XSD schemas: Schema files for EKS Clearing Service

  • Instant – Latvia Central Bank EKS description

    • See: Information for EKS participants → Functional Specification of the EKS: Instant Payment Service
    • XSD schemas: Schema files for EKS Instant Payments Service

  • TARGET2 and SWIFT – SWIFT MyStandards (requires authorization)

Commonly Used Messages​

Most of these messages are used in SEPA, Instant, TARGET2, and SWIFT payment systems with very similar usage.

Payment initiation messages​

  • pain.001 – Interbank Customer Credit Transfer Initiation
    Used by a customer to initiate a payment or batch of payments; also used between integrated systems for payment initiation.
  • pain.002 – Interbank Customer Payment Status Report
    Reports the status of a pain.001 message (e.g., rejected, accepted, pending).

Payment messages​

  • pacs.008 – FI to FI Customer Credit Transfer
    Main message used to send payments.
  • pacs.002 – FI to FI Payment Status Report
    Reports the status of messages such as pacs.008, camt.056, pacs.004 (e.g., rejected, accepted, pending).
  • camt.056 – FI to FI Cancellation Request
    Requests cancellation of a previously sent payment (pacs.008).
  • pacs.004 – Payment Return
    Returns a payment (pacs.008). Some systems (e.g. Instant) require a camt.056 before using pacs.004.
  • camt.029 – Resolution of Investigation
    Rejects a cancellation request or provides an update on its status.
  • pacs.009 – FI Credit Transfer
    Transfers funds between financial institutions (bank-to-bank payments).
  • pacs.010 – FI Direct Debit
    Instruction for debtor agent to move funds from a debtor account to one or more creditors.

Statement messages​

  • camt.052 – Bank to Customer Account Report
    Intra-day statements reporting transactions/balance on an account.
  • camt.053 – Bank to Customer Statement
    End-of-day statement reporting transactions/balance on an account.
  • camt.054 – Bank to Customer Debit/Credit Notification
    Notifies an account owner of all debit and credit transactions booked on the account.

Other messages​

  • camt.028 – Additional Payment Information
    Payment status request (e.g., for pacs.008, camt.056, pacs.004).
  • camt.027 – Claim Non-Receipt
    Used by the sender to investigate if/when a payment was received by the receiver.
  • camt.087 – Request to Modify Payment
    Requests a change to the value date of a previously sent payment.
  • camt.060 – Account Reporting Request
    Account owner requests a report from the servicing institution.
  • admi.004 – System Event Notification
    Technical maintenance message for Instant Payments; notifies clients about unavailability periods.

Further Resources​

There are many more ISO20022 messages beyond those listed above. A complete reference is available here:
👉 ISO 20022 Message Definitions