pacs.004.001.11 — Mayar da biyan kuɗi

Fili	Ƙima
Sunan ISO	PaymentReturnV11
Matsayin rajista	Registered
Shekara	2019
Siga	11

Bayyani

Saƙon pacs.004 yana mayar da biyan kuɗi da aka riga aka biya. Yana aika kuɗi baya lokacin da ba za a iya amfani da biyan kuɗi ba.

Last reviewed against primary sources on 23 March 2026. ISO 20022 catalogue reference date: 2025-02-27; source links are listed below.

Muhimman abubuwan bayanai

GrpHdr — Kan Ƙungiya tare da ganowa saƙo da tambarin lokaci ƙirƙira
TxInf — Bayanan Ciniki tare da adadin mayarwa da ɓangarori
OrgnlGrpInf — Asalin Bayanan Ƙungiya da ke haɗa zuwa saƙon tushe
RtrRsnInf — Bayanan Dalilin Mayarwa tare da lambobin dalili masu tsari
OrgnlTxRef — Asalin Nassarin Ciniki don dacewa da daidaitawa

Mahallin kasuwanci

Yana sarrafa mayarwa bayan biyan kuɗi lokacin da ba za a iya tura kuɗi zuwa asusun mai amfana ba
Yana tallafawa yanayin tuno inda mai aika ke neman kuɗi baya
Yana ɗaukar lambobin dalilin mayarwa masu tsari
Ya shafi mayar da canja wurin kuɗi (pacs.008) da mayar da cire kuɗi kai tsaye (pacs.003)

Key data elements and business context
Muhimman abubuwan bayanai	Mahallin kasuwanci
GrpHdr — Kan Ƙungiya tare da ganowa saƙo da tambarin lokaci ƙirƙira	Yana sarrafa mayarwa bayan biyan kuɗi lokacin da ba za a iya tura kuɗi zuwa asusun mai amfana ba
TxInf — Bayanan Ciniki tare da adadin mayarwa da ɓangarori	Yana tallafawa yanayin tuno inda mai aika ke neman kuɗi baya
OrgnlGrpInf — Asalin Bayanan Ƙungiya da ke haɗa zuwa saƙon tushe	Yana ɗaukar lambobin dalilin mayarwa masu tsari
RtrRsnInf — Bayanan Dalilin Mayarwa tare da lambobin dalili masu tsari	Ya shafi mayar da canja wurin kuɗi (pacs.008) da mayar da cire kuɗi kai tsaye (pacs.003)
OrgnlTxRef — Asalin Nassarin Ciniki don dacewa da daidaitawa	Wakilin da aka umarni yana aika pacs.004 baya ta hanyar jerin biyan kuɗi don mayar da kuɗin da aka biya. Kowane wakili a cikin jerin yana sarrafa mayarwa kuma yana tura kuɗi zuwa asusun da suka dace.

Mahallin CBPR+ da tsari

Yana maye gurbin MT103 RETURN da saƙonnin mayar da hanyar rufewa
Lambobin dalilin mayarwa sun daidaitu kuma injuna za su iya karanta su a ƙarƙashin ISO 20022
CBPR+ yana buƙatar cikakken nassarin asalin ciniki don dacewa
Bin diddigin SWIFT gpi kuma ya ƙunshi mayarwa

Kwararar saƙo

Wakilin da aka umarni yana aika pacs.004 baya ta hanyar jerin biyan kuɗi don mayar da kuɗin da aka biya. Kowane wakili a cikin jerin yana sarrafa mayarwa kuma yana tura kuɗi zuwa asusun da suka dace.

Primary references

Saƙonnin da suka danganta

Nau'in saƙo	Bayani	Bayyani
`pacs.008.001.13`	Canja wurin kuɗi na abokin ciniki tsakanin cibiyoyin kuɗi	Saƙon pacs.008 shine babban umarnin canja wurin kuɗi na abokin ciniki tsakanin bankuna. Yana ɗaukar bayanan ɓangare, adadi, da aiko kuɗi.
`pacs.003.001.09`	Cire kuɗi kai tsaye na abokin ciniki tsakanin cibiyoyin kuɗi	Saƙon pacs.003 yana ɗaukar cire kuɗi kai tsaye na abokin ciniki tsakanin bankuna. Yana ba bankin mai ba da bashi damar tattara kuɗi daga bankin mai bashi.
`pacs.002.001.12`	Rahoton matsayin biyan kuɗi tsakanin cibiyoyin kuɗi	Saƙon pacs.002 yana ba da rahoton matsayin umarnin biyan kuɗi da ya gabata. Yana sanar da wata cibiya ko an karɓi biyan kuɗi, an ƙi, yana jiran, ko an biya.