Credit transfers (pain.001)

A credit transfer is a push payment: a debtor (payer) instructs their bank to send money to one or more creditors. The pain.001.001.09 message type is the modern ISO 20022 Credit Transfer Initiation message used across the SEPA zone.

The model

import { euros, type CreditTransferDocument, type PaymentBatch, type Transfer } from 'sepa-xml-ts'

const doc: CreditTransferDocument = {
  messageId: 'MSG-2026-0001',       // GrpHdr/MsgId: unique message identifier
  createdAt: '2026-06-01T10:30:00Z', // GrpHdr/CreDtTm: ISO 8601 datetime
  initiatingParty: 'ACME GmbH',     // GrpHdr/InitgPty/Nm

  batches: [
    {
      id: 'BATCH-001',               // PmtInfId: unique within the message
      executionDate: '2026-06-03',   // ReqdExctnDt/Dt: YYYY-MM-DD, never a datetime
      debtor: {
        name: 'ACME GmbH',           // Dbtr/Nm
        iban: 'DE89370400440532013000', // DbtrAcct/Id/IBAN
        bic: 'COBADEFFXXX',          // DbtrAgt/FinInstnId/BICFI (optional since 2016 rulebook)
      },
      transfers: [
        {
          endToEndId: 'INV-1001',    // PmtId/EndToEndId
          amount: euros('123.45'),   // Amt/InstdAmt Ccy="EUR"
          creditor: {
            name: 'Beispiel AG',     // Cdtr/Nm
            iban: 'NL91ABNA0417164300', // CdtrAcct/Id/IBAN
            // bic is optional for pan-European SEPA transfers
          },
          remittanceInfo: 'Invoice 1001', // RmtInf/Ustrd (optional)
        },
      ],
    },
  ],
}

Model types

Type	XSD element
`CreditTransferDocument`	`Document/CstmrCdtTrfInitn`
`PaymentBatch`	`PmtInf`
`Transfer`	`CdtTrfTxInf`
`AccountParty`	`Dbtr` or `Cdtr` with account and agent
`Money`	`Amt/InstdAmt`

Writing to XML

import { writeCreditTransfer, validate } from 'sepa-xml-ts'

const result = validate(doc)
if (!result.ok) {
  console.error(result.errors)
} else {
  const xml = writeCreditTransfer(result.data)
}

writeCreditTransfer validates the model internally before writing. It throws a ValidationError if the model fails validation, so it cannot emit a structurally invalid file.

Derived fields

The writer derives the following fields from the model. You do not supply them:

Field	How it is derived
`GrpHdr/NbOfTxs`	Total count of all transfers across all batches
`GrpHdr/CtrlSum`	Sum of all transfer amounts (exact `bigint` addition)
`PmtInf/NbOfTxs`	Count of transfers in this batch
`PmtInf/CtrlSum`	Sum of transfer amounts in this batch
`PmtInf/PmtMtd`	Always `TRF`
`PmtInf/PmtTpInf/SvcLvl/Cd`	Always `SEPA`
`PmtInf/ChrgBr`	Always `SLEV`

Variants

To write a German DK pain.001.003.03 file, pass { variant: 'pain.001.003.03' }:

const xml = writeCreditTransfer(doc, { variant: 'pain.001.003.03' })

See National variants for the structural differences and XSD details.

Bank profiles

To add bank-specific validation or output tweaks:

import { requireBic } from 'sepa-xml-ts'

const xml = writeCreditTransfer(doc, { profile: requireBic })

See Bank profiles for the full profile API.