ISO 20022 Schema Reference
Reference for the SEPA (pain) and cash-management (camt) ISO 20022 message schemas: namespace, root element, versions and which validate against the official XSD. Each links to a free validator for your own file.
ISO 20022 schemas
ISO 20022 is the international standard for financial messaging. Each message type has a schema (XSD) identified by a namespace such as urn:iso:std:iso:20022:tech:xsd:pain.001.001.09. This reference lists the SEPA payment (pain) and cash-management (camt) schemas ValidateFin validates, with their root element, versions and which validate against the official XSD.
Payment initiation
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.
CustomerCreditTransferInitiationpain.008 (CustomerDirectDebitInitiation) is the ISO 20022 message a creditor sends to its bank to collect SEPA direct debits, either SDD Core or SDD B2B.
CustomerDirectDebitInitiationCash management
camt.053 (BankToCustomerStatement) is the end-of-day ISO 20022 bank account statement, replacing legacy formats such as MT940 and CODA across Europe.
BankToCustomerStatementcamt.052 (BankToCustomerAccountReport) is the intraday ISO 20022 account report — balances and entries available during the day, before the final camt.053 statement.
BankToCustomerAccountReportcamt.054 (BankToCustomerDebitCreditNotification) is the ISO 20022 notification of individual debit or credit entries, often used for detailed collections or batched payments.
BankToCustomerDebitCreditNotification