Pacs.008.001.08

Updated on 09 Apr 2024
6 Minutes to read

Print
Share
Dark
Light

Article Summary

Share feedback

Thanks for sharing your feedback!

This page shows a pacs.008.001.08 compliant with SEPA Rulebook 2023 used to make a SEPA Credit Transfer (SCT) payments with the Payments Hub API.

Pacs.008.001.08 message

The below JSON payload is for a pacs.008.001.08 ISO message with the fitoFICstmrCdtTrf root element, and it contains the request details for submitting a payment following the SEPA Rulebook 2023.

The following table only provides information about some especially important fields. The functional changes for SEPA Rulebook 2023 are highlighted.

Table: pacs.008.001.08.

Message field	Description	Data type	Required/Optional	Example
grpHdr.msgId	Message ID, which must uniquely identify each request you send. This ID is used internally for idempotency of the API.	String	Required	d034d62afb3f3a6a816c0d57cc69151f
grpHdr.creDtTm	Date and time of the payment request	String	Required	2020-06-09T15:41:32.985Z
grpHdr.nbOfTxs	Number of transactions within the message. Value: 1	Number	Required
grpHdr.ttlIntrBkSttlmAmt	Data structure containing the payment currency and the amount to be transferred. The currency must be EUR and the amount must be a positive value.	Object	Required	{ "value": 16.53, "ccy": "EUR" }
grpHdr.intrBkSttlmDt	Date on which the amount of money ceases to be available to the agent that owes it and when the amount of money becomes available to the agent to which it is due.	String	Required	2020-06-09
grpHdr.sttlmInf.sttlmMtd	Method used to settle the (batch of) payment instructions.	String	Required	CLRG
grpHdr.sttlmInf.clrSys.prtry	Specification of a pre-agreed offering between clearing agents or the channel through which the payment instruction is processed.	String	Required	ST2
grpHdr.instgAgt.finInstnId.bicfi	Direct participant in SEPA who will send the payment. NON Direct Participants shouldn't informed Must be present in ICF (outgoing payments). It has to be always the DIRECT PARTICIPANT in the scheme.	String	Optional	BSCHESMM
cdtTrfTxInf.pmtId.instrId	Unique identification, as assigned by an instructing party for an instructed party, to unambiguously identify the instruction.	String	Optional	Instr89156283825835100000
cdtTrfTxInf.pmtId.endToEndId	End-to-end ID, which can be used to track the transaction between payment systems. If no value is provided, NOT PROVIDED is used.	String	Required	F62 END2END
cdtTrfTxInf.pmtId.txId	Transaction ID. If the message includes multiple transactions, this field uniquely identifies each transaction.	String	Required	Instr89156283825835100000
cdtTrfTxInf.pmtId.instrId	Unique identification, as assigned by an instructing party for an instructed party, to unambiguously identify the instruction.	String	Optional	d034d62afb3f3a6a816c0d57cc69151f
cdtTrfTxInf.pmtTpInf.svcLvl.cd	Payment scheme type. Value: SEPA	String	Required
cdtTrfTxInf.pmtTpInf.lclInstrm	ser community specific instrument. Only one property can be present (cd or prty)	String	Optional	"cd": "TRF"
cdtTrfTxInf.pmtTpInf.CtgyPurp	pecifies the high level purpose of the instruction based on a set of pre-defined categories.	String	Optional	"cd": "TRF"
cdtTrfTxInf.intrBkSttlmAmt	Data structure containing the payment currency and the amount to be transferred. The currency must be EUR and the amount must be a positive value.	Object	Required	{ "value": 16.53, "ccy": "EUR" }
cdtTrfTxInf.intrBkSttlmDt	Date when the interbank settlement amount moves from the instructing agent to the instructed agent	String	Required
cdtTrfTxInf.chrgBr	Charge bearer type. Value: SLEV	String	Required	SLEV
cdtTrfTxInf.instgAgt.finInstnId.bicfi	Direct Participant who sends the payment	String	Required	KREDBEBB
cdtTrfTxInf.ultmtDbtr.nm	Name by which a party is known and which is usually used to identify that party.	String	Optional	Dirk Uyttendaele
cdtTrfTxInf.ultmtDbtr.id.orgId.anyBIC			Optional
cdtTrfTxInf.ultmtDbtr.id.orgId.LE			Optional
cdtTrfTxInf.ultmtDbtr.id.orgId.other.id		String	Optional
cdtTrfTxInf.ultmtDbtr.id.orgId.other.schemeNm	Only one property can be present (cd or prty)	Object	Optional
cdtTrfTxInf.ultmtDbtr.id.orgId.other.issr		String	Optional
cdtTrfTxInf.ultmtDbtr.id.prvtId.dtAndPlcOfBirth.birthDt			Optional
cdtTrfTxInf.ultmtDbtr.id.prvtId.dtAndPlcOfBirth.prvcOfBirth		String	Optional
cdtTrfTxInf.ultmtDbtr.id.prvtId.dtAndPlcOfBirth.cityOfBirth		String	Optional
cdtTrfTxInf.ultmtDbtr.id.prvtId.dtAndPlcOfBirth.ctryOfBirth		String	Optional
cdtTrfTxInf.ultmtDbtr.id.prvtId.other.id		String	Optional
cdtTrfTxInf.ultmtDbtr.id.prvtId.other.schemeNm	Only one property can be present (cd or prty)	Object	Optional
cdtTrfTxInf.ultmtDbtr.id.prvtId.other.issr		String	Optional
cdtTrfTxInf.dbtr.nm	Name by which a party is known and which is usually used to identify that party.	String	Required	Dirk Uyttendaele
cdtTrfTxInf.dbtr.pstlAdr.dept	Identification of a division of a large organisation or building.	String	Optional
cdtTrfTxInf.dbtr.pst	Identification of a sub-division of a large organisation or building.	String	Optional
cdtTrfTxInf.dbtr.pst	Identification of a sub-division of a large organisation or building.	String	Optional
cdtTrfTxInf.dbtr.pst	Name of a street or thoroughfare.	String	Optional
cdtTrfTxInf.dbtr.pst	Name of the building or house.	String	Optional
cdtTrfTxInf.dbtr.pst	Number that identifies the position of a building on a street.	String	Optional
cdtTrfTxInf.dbtr.pstlAdr.Flr	Floor or storey within a building.	String	Optional
cdtTrfTxInf.dbtr.pstlAdr.pstBx	Numbered box in a post office, assigned to a person or organisation, where letters are kept until called for.	String	Optional
cdtTrfTxInf.dbtr.pstlAdr.room	Building room number.	String	Optional
cdtTrfTxInf.dbtr.pstlAdr.pstCd	Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the sorting of mail.	String	Optional
cdtTrfTxInf.dbtr.pstlAdr.twnNm	Name of a built-up area, with defined boundaries, and a local government.	String	Optional
cdtTrfTxInf.dbtr.pstlAdr.twnLctnNm	Specific location name within the town.	String	Optional
cdtTrfTxInf.dbtr.pstlAdr.dstrctNm	Identifies a subdivision within a country sub-division.	String	Optional
cdtTrfTxInf.dbtr.pstlAdr.ctrySubDvsn	Identifies a subdivision of a country such as state, region, county.	String	Optional
cdtTrfTxInf.dbtr.pstlAdr.ctry	Code to identify a country, a dependency, or another area of particular geopolitical interest, on the basis of country names obtained from the United Nations (ISO 3166, Alpha-2 code).	String	Optional	BE
cdtTrfTxInf.dbtr.pstlAdr.adrLine		String	Optional	HAVENLAAN 2 B
cdtTrfTxInf.dbtr.id.orgId.anyBIC			Optional
cdtTrfTxInf.dbtr.id.orgId.LE			Optional
cdtTrfTxInf.dbtr.id.orgId.other.id		String	Optional
cdtTrfTxInf.dbtr.id.orgId.other.schemeNm	Only one property can be present (cd or prty)	Object	Optional
cdtTrfTxInf.dbtr.id.orgId.other.issr		String	Optional
cdtTrfTxInf.dbtr.id.prvtId.dtAndPlcOfBirth.birthDt			Optional
cdtTrfTxInf.dbtr.id.prvtId.dtAndPlcOfBirth.prvcOfBirth		String	Optional
cdtTrfTxInf.dbtr.id.prvtId.dtAndPlcOfBirth.cityOfBirth		String	Optional
cdtTrfTxInf.dbtr.id.prvtId.dtAndPlcOfBirth.ctryOfBirth		String	Optional
cdtTrfTxInf.dbtr.id.prvtId.other.id		String	Optional
cdtTrfTxInf.dbtr.id.prvtId.other.schemeNm	Only one property can be present (cd or prty)	Object	Optional
cdtTrfTxInf.dbtr.id.prvtId.other.issr		String	Optional
cdtTrfTxInf.dbtrAcct.id.iban			Required	BE07756123654798
cdtTrfTxInf.dbtrAcct.prxy.tp	Type of the proxy identification. Only one property can be present (cd or prty)	Object	Optional
cdtTrfTxInf.dbtrAcct.prxy.id	Identification used to indicate the account identification under another specified name.	String	Optional
cdtTrfTxInf.dbtrAgt.finInstnId.bicfi			Required	KREDBEBB
cdtTrfTxInf.ultmtCdtr.nm	Name by which a party is known and which is usually used to identify that party.	String	Optional	Dirk Uyttendaele
cdtTrfTxInf.ultmtCdtr.id.orgId.anyBIC			Optional
cdtTrfTxInf.ultmtCdtr.id.orgId.LEI			Optional
cdtTrfTxInf.ultmtCdtr.id.orgId.other.id		String	Optional
cdtTrfTxInf.ultmtCdtr.id.orgId.other.schemeNm	Only one property can be present (cd or prty)	Object	Optional
cdtTrfTxInf.ultmtCdtr.id.orgId.other.issr		String	Optional
cdtTrfTxInf.ultmtCdtr.id.prvtId.dtAndPlcOfBirth.birthD			Optional
cdtTrfTxInf.ultmtCdtr.id.prvtId.dtAndPlcOfBirth.prvcOfBirth		String	Optional
cdtTrfTxInf.ultmtCdtr.id.prvtId.dtAndPlcOfBirth.cityOfBirth		String	Optional
cdtTrfTxInf.ultmtCdtr.id.prvtId.dtAndPlcOfBirth.ctryOfBirth		String	Optional
cdtTrfTxInf.ultmtCdtr.id.prvtId.other.id		String	Optional
cdtTrfTxInf.ultmtCdtr.id.prvtId.other.schemeNm	Only one property can be present (cd or prty)	Object	Optional
cdtTrfTxInf.ultmtCdtr.id.prvtId.other.issr		String	Optional
cdtTrfTxInf.cdtr.nm	Name by which a party is known and which is usually used to identify that party.	String	Required	Dirk Uyttendaele
cdtTrfTxInf.cdtr.pstlAdr.dept	Identification of a division of a large organisation or building.	String	Optional
cdtTrfTxInf.cdtr.pstlAdr.subDept	Identification of a sub-division of a large organisation or building.	String	Optional
cdtTrfTxInf.cdtr.pstlAdr.strNme	Name of a street or thoroughfare.	String	Optional
cdtTrfTxInf.cdtr.pstlAdr.bldgNm	Name of the building or house.	String	Optional
cdtTrfTxInf.cdtr.pstlAdr.bldgNb	Number that identifies the position of a building on a street.	String	Optional
cdtTrfTxInf.cdtr.pstlAdr.Flr	Floor or storey within a building.	String	Optional
cdtTrfTxInf.cdtr.pstlAdr.pstBx	Numbered box in a post office, assigned to a person or organisation, where letters are kept until called for.	String	Optional
cdtTrfTxInf.cdtr.pstlAdr.room	Building room number.	String	Optional
cdtTrfTxInf.cdtr.pstlAdr.pstCd	Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the sorting of mail.	String	Optional
cdtTrfTxInf.cdtr.pstlAdr.twnNm	Name of a built-up area, with defined boundaries, and a local government.	String	Optional
cdtTrfTxInf.cdtr.pstlAdr.twnLctnNm	Specific location name within the town.	String	Optional
cdtTrfTxInf.cdtr.pstlAdr.dstrctNm	Identifies a subdivision within a country sub-division.	String	Optional
cdtTrfTxInf.cdtr.pstlAdr.ctrySubDvsn	Identifies a subdivision of a country such as state, region, county.	String	Optional
cdtTrfTxInf.cdtr.pstlAdr.ctry	Code to identify a country, a dependency, or another area of particular geopolitical interest, on the basis of country names obtained from the United Nations (ISO 3166, Alpha-2 code).	String	Optional	BE
cdtTrfTxInf.cdtr.pstlAdr.adrLine		String	Optional	HAVENLAAN 2 B
cdtTrfTxInf.cdtr.id.orgId.anyBIC			Optional
cdtTrfTxInf.cdtr.id .orgId.LEI			Optional
cdtTrfTxInf.cdtr.id.orgId.other.id		String	Optional
cdtTrfTxInf.cdtr.id.orgId.other.schemeNm	Only one property can be present (cd or prty)	Object	Optional
cdtTrfTxInf.cdtr.id.orgId.other.issr		String	Optional
cdtTrfTxInf.cdtr.id .prvtId.dtAndPlcOfBirth.birthDt			Optional
cdtTrfTxInf.cdtr.id.prvtId.dtAndPlcOfBirth.prvcOfBirth		String	Optional
cdtTrfTxInf.cdtr.id.prvtId.dtAndPlcOfBirth.cityOfBirth		String	Optional
cdtTrfTxInf.cdtr.id.prvtId.dtAndPlcOfBirth.ctryOfBirth		String	Optional
cdtTrfTxInf.cdtr.id.prvtId.other.id		String	Optional
cdtTrfTxInf.cdtr.id.prvtId.other.schemeNm	Only one property can be present (cd or prty)	Object	Optional
cdtTrfTxInf.cdtr.id.prvtId.other.issr		String	Optional

cdtTrfTxInf.cdtrAcct.id.iban		Required	BE07756123654798
cdtTrfTxInf.cdtrAcct.prxy.tp	ype of the proxy identification. Only one property can be present (cd or prty)	Object	Optional
cdtTrfTxInf.cdtrAcct.prxy.id	Identification used to indicate the account identification under another specified name.	String	Optional
cdtTrfTxInf.cdtrAgt.finInstnId.bicfi			Required	KREDBEBB
cdtTrfTxInf.purp.cd	Reason for the payment transaction	String	Optional
cdtTrfTxInf.rmtInf.ustrd	Information supplied to enable the matching/reconciliation of an entry with the items that the payment is intended to settle, such as commercial invoices in an accounts' receivable system, in an unstructured form.	String	Optional
cdtTrfTxInf.rmtInf.strd.cdtrRefInf.tp.cdOrPrtry	Type of creditor reference, in a coded form. Only "SCOR" value is allowed	String	Optional	SCOR
cdtTrfTxInf.rmtInf.strd.cdtrRefInf.tp.issr	Entity that assigns the credit reference type.	String	Optional
cdtTrfTxInf.rmtInf.strd.cdtrRefInf.ref	Unique reference, as assigned by the creditor, to unambiguously refer to the payment transaction.	String	Optional

Example request body:

{
    "fitoFICstmrCdtTrf": {
        "grpHdr": {
            "msgId": "MsgId-2581783930",
            "creDtTm": "2021-02-03T04:05:06.000Z",
            "nbOfTxs": "1",
            "ttlIntrBkSttlmAmt": {
                "value": 16.53,
                "ccy": "EUR"
            },
            "intrBkSttlmDt": "2020-06-09",
            "sttlmInf": {
                "sttlmMtd": "CLRG",
                "clrSys": {
                    "prtry": "ST2"
                }
            }
        },
        "cdtTrfTxInf": [
            {
                "pmtId": {
                    "endToEndId": "e2eId-2581783930",
                    "txId": "txId-2581783930"
                },
                "pmtTpInf": {
                    "svcLvl": [
                        {
                            "cd": "SEPA"
                        }
                    ]
                },
                "intrBkSttlmAmt": {
                    "value": 1,
                    "ccy": "EUR"
                },
                "chrgBr": "SLEV",
                "instgAgt": {
                    "finInstnId": {
                        "bicfi": "BSCHESMMXXX"
                    }
                },
                "ultmtDbtr": {
                    "nm": "Ultimate Debtor",
                    "pstlAdr": {
                        "twnNm": "Seville",
                        "ctry": "ES",
                        "adrLine": [
                            "Somewhere in Seville"
                        ]
                    },
                    "id": {
                        "prvtId": {
                            "othr": [
                                {
                                    "id": "ultmt-dtr-id"
                                }
                            ]
                        }
                    }
                },
                "dbtr": {
                    "nm": "pacs008-debtorName",
                    "pstlAdr": {
                        "ctry": "ES",
                        "adrLine": [
                            "Somewher in Seville"
                        ]
                    }
                },
                "dbtrAcct": {
                    "id": {
                        "iban": "ES9300492060833000002503"
                    }
                },
                "dbtrAgt": {
                    "finInstnId": {
                        "bicfi": "EBURESM1XXX"
                    }
                },
                "cdtrAgt": {
                    "finInstnId": {
                        "bicfi": "BSCHESMMXXX"
                    }
                },
                "cdtr": {
                    "nm": "pacs008-creditorrName"
                },
                "cdtrAcct": {
                    "id": {
                        "iban": "FI9580002811571214"
                    }
                },
                "ultmtCdtr": {
                    "nm": "Ultimate Creditor",
                    "pstlAdr": {
                        "twnNm": "Helsinki",
                        "ctry": "FI",
                        "adrLine": [
                            "Somewhere in Helsinki"
                        ]
                    },
                    "id": {
                        "prvtId": {
                            "othr": [
                                {
                                    "id": "ultmt-cdtr-id"
                                }
                            ]
                        }
                    }
                },
                "rmtInf": {
                    "ustrd": [
                        "FAKE:ACCP:IT00"
                    ]
                }
            }
        ]
    }
}

Request

The following example illustrates the request using raw HTTP code:

POST /payments/pacs008/v08 HTTP/1.1
Host: sandbox.apis.santander.com
Content-Type: application/json
Authorization: Bearer YOUR_ACCESS_TOKEN
X-Santander-Client-Id: YOUR_CLIENT_ID
sca-token: eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiIsImtpZCI6Ikh1YnRlc3RfcHJvX3NhbmRib3gifQ.eyJoZCI6ImMrMkRKZEUyeklSTkNTS3hMVEU1TnIzVGpmQzRaVUFreTlxM0FuNFZLc3M9Iiwibm9uY2UiOiI2ZGNmOTgyZmM4ZTQ0YmVlOTRiYiIsImFsZyI6IlNIQTI1NiIsImlhdCI6MTY1NDUyNjUyMSwibmJmIjoxNjU0NTI2NTIxLCJleHAiOjE2ODYwNjI1MjEsImp0aSI6IjcwNDJjMjNhLWMzYmItNGU2MS04NjI4LTA1ZDRjODg2MWM0ZSJ9.KqRmUansjP5c-TRg8HcCS65x8I7w6EjT8xDQS83MoYMJiITAX50p1-gtnhtNAD-1l2CdUJfbyV9TzOn7qzm0uXx0rdWOaJ79efV5gEamc3jQNNFfhok9kwwKnlOX5d60UwGfLYbAJdZBZc49eyYRIojacTSVAewcKdXpTbwPPJE140WEYLwWkSXmUCPg1dPNyrogduHGl8DYEPdiaPytty-Bp9H_wApvQ5VAYmu111WzMCI0SPmo-eLGAj20C1sRVgKpl_-Puo-9gT2XOK1EBoD6qG_a2PaPuFxkAcm3W0-NtbEiYFnkvcS8zbMpHjdKq84qmh7Fq9ZsrsKgVJMfug
Content-Length: 3670

{
    "fitoFICstmrCdtTrf": {
        "grpHdr": {
            "msgId": "MsgId-2581783930",
            "creDtTm": "2021-02-03T04:05:06.000Z",
            "nbOfTxs": "1",
            "ttlIntrBkSttlmAmt": {
                "value": 16.53,
                "ccy": "EUR"
            },
            "intrBkSttlmDt": "2020-06-09",
            "sttlmInf": {
                "sttlmMtd": "CLRG",
                "clrSys": {
                    "prtry": "ST2"
                }
            }
        },
        "cdtTrfTxInf": [
            {
                "pmtId": {
                    "endToEndId": "e2eId-2581783930",
                    "txId": "txId-2581783930"
                },
                "pmtTpInf": {
                    "svcLvl": [
                        {
                            "cd": "SEPA"
                        }
                    ]
                },
                "intrBkSttlmAmt": {
                    "value": 1,
                    "ccy": "EUR"
                },
                "chrgBr": "SLEV",
                "instgAgt": {
                    "finInstnId": {
                        "bicfi": "BSCHESMMXXX"
                    }
                },
                "ultmtDbtr": {
                    "nm": "Ultimate Debtor",
                    "pstlAdr": {
                        "twnNm": "Seville",
                        "ctry": "ES",
                        "adrLine": [
                            "Somewhere in Seville"
                        ]
                    },
                    "id": {
                        "prvtId": {
                            "othr": [
                                {
                                    "id": "ultmt-dtr-id"
                                }
                            ]
                        }
                    }
                },
                "dbtr": {
                    "nm": "pacs008-debtorName",
                    "pstlAdr": {
                        "ctry": "ES",
                        "adrLine": [
                            "Somewher in Seville"
                        ]
                    }
                },
                "dbtrAcct": {
                    "id": {
                        "iban": "ES9300492060833000002503"
                    }
                },
                "dbtrAgt": {
                    "finInstnId": {
                        "bicfi": "EBURESM1XXX"
                    }
                },
                "cdtrAgt": {
                    "finInstnId": {
                        "bicfi": "BSCHESMMXXX"
                    }
                },
                "cdtr": {
                    "nm": "pacs008-creditorrName"
                },
                "cdtrAcct": {
                    "id": {
                        "iban": "FI9580002811571214"
                    }
                },
                "ultmtCdtr": {
                    "nm": "Ultimate Creditor",
                    "pstlAdr": {
                        "twnNm": "Helsinki",
                        "ctry": "FI",
                        "adrLine": [
                            "Somewhere in Helsinki"
                        ]
                    },
                    "id": {
                        "prvtId": {
                            "othr": [
                                {
                                    "id": "ultmt-cdtr-id"
                                }
                            ]
                        }
                    }
                },
                "rmtInf": {
                    "ustrd": [
                        "FAKE:ACCP:IT00"
                    ]
                }
            }
        ]
    }
}