ValidateFin

pain.008.001.02 — mandate identifier (MndtId) missing

A direct debit with no mandate identifier: MndtRltdInf is there and carries a signature date, but the MndtId element (rulebook AT-01) is absent. The official ISO 20022 XSD accepts the file — MndtId is optional in the schema — so a purely structural check passes it and the bank rejects it: without a mandate reference the debtor's bank has nothing to match the collection against, and the debtor has nothing to dispute.

pain.008.001.02 — Invalid

A direct debit with no mandate identifier: MndtRltdInf is there and carries a signature date, but the MndtId element (rulebook AT-01) is absent. The official ISO 20022 XSD accepts the file — MndtId is optional in the schema — so a purely structural check passes it and the bank rejects it: without a mandate reference the debtor's bank has nothing to match the collection against, and the debtor has nothing to dispute.

SEPA Direct Debit (pain.008) pain.008.001.02 ISO 20022 / SDD COREExpected result: Invalid — 1 errors

What this file shows

A direct debit with no mandate identifier: MndtRltdInf is there and carries a signature date, but the MndtId element (rulebook AT-01) is absent. The official ISO 20022 XSD accepts the file — MndtId is optional in the schema — so a purely structural check passes it and the bank rejects it: without a mandate reference the debtor's bank has nothing to match the collection against, and the debtor has nothing to dispute.

Transactions1
Total€65.00
SchemeCORE
Date in the file2026-03-10

The defects it carries

  • MndtRltdInfMissing mandate identifier (MndtId) for debtor Camille Rousseau.

Quoted verbatim from the validator, not paraphrased.

Last verified: License: CC-BY-4.0
Download the file Open the matching validator

Every party, IBAN and amount below is fictitious. The IBANs are structurally valid — they pass the mod-97 check — but they belong to no real account.

File content

<?xml version="1.0" encoding="UTF-8"?>
<!--
  ValidateFin sample file — SEPA Direct Debit, pain.008.001.02, BROKEN ON PURPOSE.
  Expected validation result: INVALID — the mandate identifier (MndtId) is missing.

  MndtRltdInf is present and carries a signature date, but the <MndtId> element that
  identifies the mandate itself (rulebook AT-01) is absent. The official ISO 20022 XSD
  accepts this — MndtId is optional in the schema — so a purely structural check passes
  the file and the bank rejects it: without a mandate reference, the debtor's bank has
  nothing to match the collection against, and the debtor has nothing to dispute.

  Everything else is correct: the ICS passes MOD 97-10, the IBANs pass mod-97 and the
  totals add up. All parties are fictitious.
  Reference page: https://validatefin.com/en/resources/samples/sepa-pain008-missing-mandate
  License: CC-BY-4.0
-->
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.008.001.02"
          xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <CstmrDrctDbtInitn>
    <GrpHdr>
      <MsgId>SDD-NOMNDT-20260302</MsgId>
      <CreDtTm>2026-03-02T10:45:00</CreDtTm>
      <NbOfTxs>1</NbOfTxs>
      <CtrlSum>65.00</CtrlSum>
      <InitgPty>
        <Nm>Editions Lumiere SARL</Nm>
      </InitgPty>
    </GrpHdr>
    <PmtInf>
      <PmtInfId>PMT-SDD-NOMNDT-001</PmtInfId>
      <PmtMtd>DD</PmtMtd>
      <NbOfTxs>1</NbOfTxs>
      <CtrlSum>65.00</CtrlSum>
      <PmtTpInf>
        <SvcLvl>
          <Cd>SEPA</Cd>
        </SvcLvl>
        <LclInstrm>
          <Cd>CORE</Cd>
        </LclInstrm>
        <SeqTp>RCUR</SeqTp>
      </PmtTpInf>
      <ReqdColltnDt>2026-03-10</ReqdColltnDt>
      <Cdtr>
        <Nm>Editions Lumiere SARL</Nm>
        <PstlAdr>
          <TwnNm>Paris</TwnNm>
          <Ctry>FR</Ctry>
        </PstlAdr>
      </Cdtr>
      <CdtrAcct>
        <Id>
          <IBAN>FR7610107001011234567890129</IBAN>
        </Id>
        <Ccy>EUR</Ccy>
      </CdtrAcct>
      <CdtrAgt>
        <FinInstnId>
          <BIC>CCBPFRPP</BIC>
        </FinInstnId>
      </CdtrAgt>
      <ChrgBr>SLEV</ChrgBr>
      <CdtrSchmeId>
        <Id>
          <PrvtId>
            <Othr>
              <Id>FR72ZZZ123456</Id>
              <SchmeNm>
                <Prtry>SEPA</Prtry>
              </SchmeNm>
            </Othr>
          </PrvtId>
        </Id>
      </CdtrSchmeId>
      <DrctDbtTxInf>
        <PmtId>
          <EndToEndId>E2E-NOMNDT-2026-0301</EndToEndId>
        </PmtId>
        <InstdAmt Ccy="EUR">65.00</InstdAmt>
        <DrctDbtTx>
          <MndtRltdInf>
            <DtOfSgntr>2025-11-04</DtOfSgntr>
            <AmdmntInd>false</AmdmntInd>
          </MndtRltdInf>
        </DrctDbtTx>
        <DbtrAgt>
          <FinInstnId>
            <BIC>PSSTFRPP</BIC>
          </FinInstnId>
        </DbtrAgt>
        <Dbtr>
          <Nm>Camille Rousseau</Nm>
          <PstlAdr>
            <TwnNm>Lyon</TwnNm>
            <Ctry>FR</Ctry>
          </PstlAdr>
        </Dbtr>
        <DbtrAcct>
          <Id>
            <IBAN>FR1420041010050500013M02606</IBAN>
          </Id>
        </DbtrAcct>
        <RmtInf>
          <Ustrd>Abonnement annuel 2026 - facture AB-2026-0912</Ustrd>
        </RmtInf>
      </DrctDbtTxInf>
    </PmtInf>
  </CstmrDrctDbtInitn>
</Document>

How we know these results hold

Every file in this library is run through the site's own validator on each build. The expected result stated above is asserted by an automated test — if a file stopped matching what this page claims, the build would fail. Two inherited fixtures were repaired this way before publication: three IBANs failed the mod-97 check and several names used characters outside the basic SEPA character set.

SEPA Direct Debit (pain.008)

All sample fileshttps://validatefin.com/samples/sepa-pain008-missing-mandate.xml