pain.008.001.02 — NbOfTxs and CtrlSum wrong at both levels

Name: pain.008.001.02 — NbOfTxs and CtrlSum wrong at both levels — pain.008.001.02 sample file
Creator: ValidateFin
License: https://creativecommons.org/licenses/by/4.0/

Um débito direto SEPA que se conta e se soma mal, nos dois níveis ao mesmo tempo: o lote tem realmente 2 cobranças no valor de 300,00 EUR, mas o NbOfTxs diz 3 e o CtrlSum diz 250,00 — no PmtInf e de novo no GrpHdr. São quatro erros, não dois: os totais de controlo são verificados no lote de pagamentos E no cabeçalho, porque um ficheiro multilote pode exibir um total de cabeçalho correto assente em dois totais de lote errados. O XML está bem formado e o XSD oficial aceita-o: para um esquema, NbOfTxs e CtrlSum são apenas números.

pain.008.001.02 — Inválido

Débito direto SEPA (pain.008) pain.008.001.02 ISO 20022 / SDD COREResultado esperado: Inválido — 4 erros

O que este ficheiro mostra

Transações	2
Total	€ 300,00
Esquema	CORE
Data no ficheiro	2026-03-10

Os defeitos que contém

CtrlSumPmtInf CtrlSum mismatch: a payment batch declares 250.00 but its transactions total 300.00.
NbOfTxsPmtInf NbOfTxs mismatch: a payment batch declares 3 but contains 2 transactions.
CtrlSumCtrlSum mismatch: header declares 250.00 but calculated total is 300.00.
NbOfTxsNbOfTxs mismatch: header declares 3 but found 2 transactions.

Citado literalmente do validador, sem paráfrase.

Última verificação: 2026-07-12Licença: CC-BY-4.0

Descarregar o ficheiro Abrir o validador correspondente

Todas as partes, IBAN e montantes abaixo são fictícios. Os IBAN são estruturalmente válidos — passam no mod-97 — mas não correspondem a nenhuma conta real.

Conteúdo do ficheiro

<?xml version="1.0" encoding="UTF-8"?>
<!--
  ValidateFin sample file — SEPA Direct Debit, pain.008.001.02, BROKEN ON PURPOSE.
  Expected validation result: INVALID — both control totals lie, at both levels.

  The batch really contains 2 collections adding up to 300.00 EUR, but NbOfTxs says 3
  and CtrlSum says 250.00 — in the PmtInf AND in the GrpHdr. That is four errors, not
  two: the totals are checked on the payment batch and again on the file header, and a
  file with several batches can very well have a correct header total sitting on top of
  two batches whose own totals are wrong.

  This is the classic symptom of a payment file assembled in a loop where one record
  was dropped after the header was written. The XML is well-formed and the official XSD
  accepts it: NbOfTxs and CtrlSum are just numbers to a schema.

  All parties and account numbers are fictitious.
  Reference page: https://validatefin.com/en/resources/samples/sepa-pain008-invalid-totals
  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-BADTOTALS-20260302</MsgId>
      <CreDtTm>2026-03-02T11:00:00</CreDtTm>
      <NbOfTxs>3</NbOfTxs>
      <CtrlSum>250.00</CtrlSum>
      <InitgPty>
        <Nm>Editions Lumiere SARL</Nm>
      </InitgPty>
    </GrpHdr>
    <PmtInf>
      <PmtInfId>PMT-SDD-BADTOTALS-001</PmtInfId>
      <PmtMtd>DD</PmtMtd>
      <NbOfTxs>3</NbOfTxs>
      <CtrlSum>250.00</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-BADTOTALS-2026-0301</EndToEndId>
        </PmtId>
        <InstdAmt Ccy="EUR">180.00</InstdAmt>
        <DrctDbtTx>
          <MndtRltdInf>
            <MndtId>MNDT-2024-000731</MndtId>
            <DtOfSgntr>2024-09-12</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-2026-0731</Ustrd>
        </RmtInf>
      </DrctDbtTxInf>
      <DrctDbtTxInf>
        <PmtId>
          <EndToEndId>E2E-BADTOTALS-2026-0302</EndToEndId>
        </PmtId>
        <InstdAmt Ccy="EUR">120.00</InstdAmt>
        <DrctDbtTx>
          <MndtRltdInf>
            <MndtId>MNDT-2025-001188</MndtId>
            <DtOfSgntr>2025-01-20</DtOfSgntr>
            <AmdmntInd>false</AmdmntInd>
          </MndtRltdInf>
        </DrctDbtTx>
        <DbtrAgt>
          <FinInstnId>
            <BIC>GEBABEBB</BIC>
          </FinInstnId>
        </DbtrAgt>
        <Dbtr>
          <Nm>Bureau Verhoeven BVBA</Nm>
          <PstlAdr>
            <TwnNm>Gent</TwnNm>
            <Ctry>BE</Ctry>
          </PstlAdr>
        </Dbtr>
        <DbtrAcct>
          <Id>
            <IBAN>BE68539007547034</IBAN>
          </Id>
        </DbtrAcct>
        <RmtInf>
          <Ustrd>Abonnement annuel 2026 - facture AB-2026-0788</Ustrd>
        </RmtInf>
      </DrctDbtTxInf>
    </PmtInf>
  </CstmrDrctDbtInitn>
</Document>

Como sabemos que estes resultados se mantêm

Cada ficheiro desta biblioteca passa pelo próprio validador do site em cada build. O resultado esperado indicado acima é verificado por um teste automatizado: se um ficheiro deixasse de corresponder ao que esta página afirma, o build falharia. Duas fixtures herdadas foram reparadas assim antes da publicação: três IBAN falhavam o mod-97 e vários nomes usavam caracteres fora do conjunto SEPA básico.

Débito direto SEPA (pain.008)

Todos os ficheiros de exemplo https://validatefin.com/samples/sepa-pain008-invalid-totals.xml