Financial XML Schema Reference

pain.001 (CustomerCreditTransferInitiation) is the ISO 20022 message a company sends to its bank to order SEPA credit transfers such as supplier payments and payroll.

pain.008 (CustomerDirectDebitInitiation) is the ISO 20022 message a creditor sends to its bank to collect SEPA direct debits, either SDD Core or SDD B2B.

pain.002 (CustomerPaymentStatusReport) is the ISO 20022 report a bank returns after a pain.001 or pain.008, stating which payments were accepted and which were rejected, each with a reason code.

camt.053 (BankToCustomerStatement) is the end-of-day ISO 20022 bank account statement, replacing legacy formats such as MT940 and CODA across Europe.

camt.052 (BankToCustomerAccountReport) is the intraday ISO 20022 account report — balances and entries available during the day, before the final camt.053 statement.

camt.054 (BankToCustomerDebitCreditNotification) is the ISO 20022 notification of individual debit or credit entries, often used for detailed collections or batched payments.

head.001 (BusinessApplicationHeader) is the ISO 20022 envelope that travels in front of every Fedwire message, naming the sender, the receiver and the exact message definition that follows.

pacs.008 (FIToFICustomerCreditTransfer) is the ISO 20022 bank-to-bank message that moves a customer credit transfer between financial institutions — the interbank leg behind a wire payment.

pacs.009 (FinancialInstitutionCreditTransfer) is the ISO 20022 message for a transfer in which both the debtor and the creditor are financial institutions — a bank paying another bank on its own account.

pacs.004 (PaymentReturn) is the ISO 20022 message a bank sends to give back funds it has already received, quoting the original payment it reverses.

pacs.028 (FIToFIPaymentStatusRequest) is the ISO 20022 message a bank sends to ask what happened to a payment it has already submitted.

camt.056 (FIToFIPaymentCancellationRequest) is the ISO 20022 message a bank sends to ask another bank to cancel a payment it has already dispatched.

camt.029 (ResolutionOfInvestigation) is the ISO 20022 answer to a cancellation request or an investigation, stating whether the case was accepted or rejected, and why.

UBL 2.1 Invoice is the OASIS XML syntax used by Peppol BIS Billing 3.0 and by most European e-invoicing mandates, including Romania's RO e-Factura.

UBL 2.1 CreditNote is the OASIS XML syntax for a credit note — a schema of its own, with its own root element and its own namespace, separate from Invoice.

CrossIndustryInvoice D16B is the UN/CEFACT XML syntax behind Factur-X, ZUGFeRD and XRechnung-CII — the second syntax EN 16931 allows, alongside UBL.

Facturae is Spain's official e-invoice format: a XAdES-signed XML, mandatory for B2G invoicing through FACe. Three versions coexist, each with its own namespace.

FA(3) is the Polish structured invoice schema published by the Ministry of Finance for KSeF, mandatory since 1 February 2026 for taxpayers above PLN 200 m and since 1 April 2026 for everyone.

InvoiceData 3.0 is the schema of the Hungarian invoice reported to the NAV. Every Hungarian invoice goes through it, with no threshold, since 2021.

FatturaPA is the Italian electronic invoice, mandatory for B2B, B2C and B2G since 2019. Every invoice travels through the Sistema di Interscambio, which accepts it or rejects it with a numbered code.

JPK_V7M(3) is the Polish monthly VAT control file: the declaration and the sales and purchase registers in a single XML. In force since 1 February 2026.

Verifactu / SIF is the Spanish billing-record submission defined by RD 1007/2023: invoicing records chained together by a SHA-256 hash and sent to the AEAT.