Jerin saƙonni da ƙa'idoji
An samar daga rajistocin pacs008, saitin ƙa'idoji 2026.11.0 (hash sha256:a27fe2e7a04f36e9645310984e7142e58d2d5467490207479e689dd6fbbb668f). Iyakar ta yi daidai da samfuran da ke cikin fakitin, don haka ba za ta iya iƙirarin fiye da abin da manhajar ke yi ba.
Iyalan saƙonni
| Iyali | Suna | Sigogi | Adadi | Ƙa'idodin da suka dace |
|---|---|---|---|---|
pacs.008 | FI to FI Customer Credit Transfer | pacs.008.001.01 - .13 | 13 | CBPR-ADDR-001, CBPR-ADDR-002, CBPR-ADDR-003, CBPR-ADDR-004, CBPR-ADDR-005, CHAPS-ADDR-001, CHAPS-PURP-001, CHAPS-RMT-001 |
pacs.002 | FI to FI Payment Status Report | pacs.002.001.12 | 1 | — |
pacs.003 | FI to FI Customer Direct Debit | pacs.003.001.09 | 1 | CBPR-ADDR-001, CBPR-ADDR-002, CBPR-ADDR-003, CBPR-ADDR-004 |
pacs.004 | Payment Return | pacs.004.001.11 | 1 | CBPR-ADDR-001, CBPR-ADDR-002, CBPR-ADDR-003, CBPR-ADDR-004 |
pacs.007 | FI to FI Payment Reversal | pacs.007.001.11 | 1 | — |
pacs.009 | Financial Institution Credit Transfer | pacs.009.001.10 | 1 | CBPR-ADDR-001, CBPR-ADDR-002, CBPR-ADDR-003, CBPR-ADDR-004, CBPR-ADDR-005, CHAPS-ADDR-001, CHAPS-PURP-001 |
pacs.010 | Financial Institution Direct Debit | pacs.010.001.05 | 1 | — |
pacs.028 | FI to FI Payment Status Request | pacs.028.001.05 | 1 | — |
Ba a aiwatar ba
Muna lissafa su domin sauƙin ɗauka cewa suna nan.
| Iyali | Matsayi | Bayani |
|---|---|---|
pain.* | Not implemented | The package cannot generate or parse pain messages. The browser workbench can now validate pain.001, pain.002, pain.007 and pain.008 against their XSDs. Structural validation only. Scoped in sebastienrousseau/pacs008#13. Tracked |
camt.* | Not implemented | The package cannot generate or parse camt messages. The browser workbench can now validate camt.110 and camt.111 against their XSDs, which covers the November 2026 receive-and-consume obligation for reading an incoming camt.110 — but structural validation is not the same as support. Scoped in sebastienrousseau/pacs008#12. Tracked |
head.001 | Not implemented | Business Application Header not shipped as a standalone template. |
Bayanan tsarin
| Bayani | Suna | Matsayi | Fara aiki |
|---|---|---|---|
cbpr-plus | SWIFT CBPR+ | stable | 2026-11-14 |
chaps-uk | Bank of England CHAPS | stable | 2026-11-14 |
t2-rtgs | Eurosystem T2 RTGS | stable | 2026-11-14 |
fedwire | US Federal Reserve Fedwire | stable | 2025-03-10 |
hvps-plus | HVPS+ High-Value Payments | stable | 2026-11-14 |
sct-inst | SEPA Instant Credit Transfer | stable | 2025-01-01 |
Ƙa'idoji
Kowace ƙa'ida tana da mai ganowa mai ƙarko wanda ba ya canzawa tsakanin ƙananan fitarwa. Canjin sakamako yana buƙatar sabuwar siga ta saiti.
Taƙaitattun ƙa'idoji da rubutun gyara ana nuna su da Turanci: su ne abin da ƙa'ida ta tanada, kuma kowace ƙofa tana koma musu ta mai ganowa.
CBPR-ADDR-001 — Fully unstructured postal address is not accepted
| Bayani | cbpr-plus |
| Matakin | scheme |
| Muhimmanci | error |
| Yana aiki tun | 2026-11-14 |
| Saƙonni | pacs.008, pacs.009, pacs.004, pacs.003 |
| Hanya | {party}/PstlAdr |
| Majiya | SWIFT-ADDR-2026, an tabbatar 2026-07-28 |
| Fayilolin gwaji | structured-valid.csv (ya wuce) · hybrid-valid.csv (ya wuce) · unstructured-invalid.csv (ya faɗi) |
From 14 November 2026 a fully unstructured postal address is rejected in CBPR+ payment messages.
Gyara. Supply Town Name and Country in their structured elements. A compliant hybrid address is sufficient; a fully structured address is preferred.
CBPR-ADDR-002 — Town Name is mandatory in a structured element
| Bayani | cbpr-plus |
| Matakin | scheme |
| Muhimmanci | error |
| Yana aiki tun | 2026-11-14 |
| Saƙonni | pacs.008, pacs.009, pacs.004, pacs.003 |
| Hanya | {party}/PstlAdr/TwnNm |
| Majiya | SWIFT-ADDR-2026, an tabbatar 2026-07-28 |
| Fayilolin gwaji | hybrid-valid.csv (ya wuce) · missing-town-invalid.csv (ya faɗi) |
Town Name must be carried in TwnNm, not in an address line.
Gyara. Move the town into
CBPR-ADDR-003 — Country is mandatory as a two-letter ISO 3166 code
| Bayani | cbpr-plus |
| Matakin | scheme |
| Muhimmanci | error |
| Yana aiki tun | 2026-11-14 |
| Saƙonni | pacs.008, pacs.009, pacs.004, pacs.003 |
| Hanya | {party}/PstlAdr/Ctry |
| Majiya | SWIFT-ADDR-2026, an tabbatar 2026-07-28 |
| Fayilolin gwaji | hybrid-valid.csv (ya wuce) · missing-country-invalid.csv (ya faɗi) |
Country must be carried in Ctry as a two-letter ISO 3166 alpha-2 code.
Gyara. Use the alpha-2 code, for example GB rather than United Kingdom or GBR.
CBPR-ADDR-004 — Hybrid postal address is accepted
| Bayani | cbpr-plus |
| Matakin | scheme |
| Muhimmanci | info |
| Yana aiki tun | 2025-11-22 |
| Saƙonni | pacs.008, pacs.009, pacs.004, pacs.003 |
| Hanya | {party}/PstlAdr |
| Majiya | SWIFT-ADDR-2026, an tabbatar 2026-07-28 |
| Fayilolin gwaji | hybrid-valid.csv (ya wuce) |
A hybrid address — structured Town Name and Country alongside address lines — is accepted, both before and after the November 2026 change.
Gyara. No action required. Note that a fully structured address remains preferable for downstream data quality.
CBPR-ADDR-005 — Agent identified by BIC only is exempt
| Bayani | cbpr-plus |
| Matakin | scheme |
| Muhimmanci | info |
| Yana aiki tun | 2026-11-14 |
| Saƙonni | pacs.008, pacs.009 |
| Hanya | {agent}/FinInstnId/BICFI |
| Majiya | SWIFT-ADDR-2026, an tabbatar 2026-07-28 |
| Fayilolin gwaji | agent-bic-only-valid.csv (ya wuce) |
For agent fields, BIC-only identification remains valid; no postal address is required.
Gyara. No action required. Do not add a partial address purely to satisfy the address rule.
CBPR-ADDR-006 — Message types excepted from the address requirement
| Bayani | cbpr-plus |
| Matakin | scheme |
| Muhimmanci | info |
| Yana aiki tun | 2026-11-14 |
| Saƙonni | admi.024, camt.025, camt.052, camt.053, camt.054, camt.060 |
| Hanya | — |
| Majiya | SWIFT-ADDR-2026, an tabbatar 2026-07-28 |
| Fayilolin gwaji | — |
The structured address requirement does not apply to admi.024, camt.025, camt.052, camt.053, camt.054 and camt.060.
Gyara. No action required for these message types.
CHAPS-ADDR-001 — CHAPS validation library rejects fully unstructured addresses
| Bayani | chaps-uk |
| Matakin | scheme |
| Muhimmanci | error |
| Yana aiki tun | 2026-11-14 |
| Saƙonni | pacs.008, pacs.009 |
| Hanya | {party}/PstlAdr |
| Majiya | BOE-CHAPS-2026, an tabbatar 2026-07-28 |
| Fayilolin gwaji | hybrid-valid.csv (ya wuce) · unstructured-invalid.csv (ya faɗi) |
From November 2026 the CHAPS validation library rejects payments carrying a fully unstructured address. Hybrid is the minimum acceptable form.
Gyara. Structure the address to at least hybrid form before submission to CHAPS.
CHAPS-PURP-001 — Purpose codes become mandatory on all CHAPS payments — an sanar, ba a fara aiwatarwa ba
| Bayani | chaps-uk |
| Matakin | scheme |
| Muhimmanci | error |
| Yana aiki tun | 2027-11-01 |
| Saƙonni | pacs.008, pacs.009 |
| Hanya | CdtTrfTxInf/Purp/Cd |
| Majiya | BOE-CHAPS-2026, an tabbatar 2026-07-28 |
| Fayilolin gwaji | — |
From November 2027 the Bank of England requires a purpose code on all CHAPS payments, extending the earlier property and FI-to-FI requirement.
Gyara. Populate
Effective date is the announced month; the exact day should be re-verified against the Bank of England policy statement before this rule is enforced.
CHAPS-RMT-001 — Structured remittance information becomes mandatory for CHAPS — an sanar, ba a fara aiwatarwa ba
| Bayani | chaps-uk |
| Matakin | scheme |
| Muhimmanci | error |
| Yana aiki tun | 2027-11-01 |
| Saƙonni | pacs.008 |
| Hanya | CdtTrfTxInf/RmtInf/Strd |
| Majiya | BOE-CHAPS-2026, an tabbatar 2026-07-28 |
| Fayilolin gwaji | — |
From November 2027 remittance information carried in CHAPS payments must be structured.
Gyara. Carry remittance data in
Announced in the Bank of England consultation; re-verify scope and exact date before enforcement.
Majiyoyi
| Majiya | Mai bugawa | Takarda | Fara aiki | An tabbatar |
|---|---|---|---|---|
SWIFT-ADDR-2026 | S.W.I.F.T. SC | SWIFT CBPR+ Removal of Unstructured Address Guidelines | 2026-11-14 | 2026-07-28 |
BOE-CHAPS-2026 | Bank of England | Policy Statement — Mandating ISO 20022 Enhanced Data in CHAPS | 2026-11-14 | 2026-07-28 |
ISO-20022-PACS008-13 | ISO 20022 Registration Authority | Financial Innovation & Transfer — pacs.008.001.13 Message Definition | 2025-01-01 | 2026-07-28 |
Ambaton ISO 20022
pacs008.com is not the official ISO 20022 website. The sole source of up-to-date materials and information on ISO 20022 message standards and the Repository is https://www.iso20022.org/.
Ma'anonin saƙonni da masu ganowa a wannan shafi sun samo asali daga kayan ISO 20022, ana amfani da su bisa ISO 20022 Intellectual Property Right Policy.