pacs.003.001.09 — FI to FI Customer Direct Debit ​

ISO nameFIToFICustomerDirectDebitV09
Registration statusRegistered
Year2019
Version9

Overview ​

The pacs.003 message is exchanged between financial institutions to execute a customer direct debit instruction. It enables the creditor's bank to collect funds from the debtor's bank on behalf of the creditor.

Key data elements ​

  • GrpHdr — Group Header with message identification and settlement information
  • DrctDbtTxInf — Direct Debit Transaction Information with amount and parties
  • Cdtr — Creditor identification and account details
  • CdtrAgt — Creditor Agent (collecting institution) identification
  • DbtrAgt — Debtor Agent (paying institution) identification

Business context ​

  • Supports SEPA Core and B2B direct debit schemes
  • Used for recurring payment collection such as subscriptions, utility bills, and loan repayments
  • Requires a valid mandate reference between debtor and creditor
  • Enables bulk collection of multiple direct debit instructions in a single message

CBPR+ and scheme context ​

  • Structured address and party identification requirements apply equally to direct debits
  • Mandate-related data must be fully structured from November 2026
  • Replaces legacy MT104-style direct debit formats in cross-border flows
  • Validation of creditor scheme identification is increasingly enforced

Message flow ​

The creditor agent initiates pacs.003 toward the debtor agent to collect funds. The debtor agent validates the mandate, checks account coverage, and either settles or returns the transaction.

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