Katalogo ng mensahe at panuntunan
Nabuo mula sa mga rehistro ng pacs008, set ng panuntunan 2026.11.0 (hash sha256:a27fe2e7a04f36e9645310984e7142e58d2d5467490207479e689dd6fbbb668f). Sinasalamin ng saklaw ang mga template na kasama sa pakete, kaya hindi ito makapag-aangkin ng higit sa ginagawa ng software.
Mga pamilya ng mensahe
| Pamilya | Pangalan | Mga bersyon | Bilang | Naaangkop na panuntunan |
|---|---|---|---|---|
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 | — |
Hindi ipinatupad
Inililista namin ang mga ito dahil madaling ipagpalagay na naroon.
| Pamilya | Katayuan | Tala |
|---|---|---|
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. |
Mga profile ng scheme
| Profile | Pangalan | Katayuan | Bisa |
|---|---|---|---|
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 |
Mga panuntunan
Bawat panuntunan ay may matatag na pagkakakilanlan na hindi nagbabago sa maliliit na release. Ang pagbabago sa resulta ay nangangailangan ng bagong bersyon ng set.
Ipinapakita sa Ingles ang mga buod ng panuntunan at teksto ng pagwawasto: ito ang normatibong nilalaman ng panuntunan, tinutukoy sa pamamagitan ng pagkakakilanlan mula sa bawat interface.
CBPR-ADDR-001 — Fully unstructured postal address is not accepted
| Profile | cbpr-plus |
| Layer | scheme |
| Bigat | error |
| May bisa mula | 2026-11-14 |
| Mga mensahe | pacs.008, pacs.009, pacs.004, pacs.003 |
| Landas | {party}/PstlAdr |
| Pinagmulan | SWIFT-ADDR-2026, nasuri 2026-07-28 |
| Mga test file | structured-valid.csv (pumasa) · hybrid-valid.csv (pumasa) · unstructured-invalid.csv (bumagsak) |
From 14 November 2026 a fully unstructured postal address is rejected in CBPR+ payment messages.
Pagwawasto. 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
| Profile | cbpr-plus |
| Layer | scheme |
| Bigat | error |
| May bisa mula | 2026-11-14 |
| Mga mensahe | pacs.008, pacs.009, pacs.004, pacs.003 |
| Landas | {party}/PstlAdr/TwnNm |
| Pinagmulan | SWIFT-ADDR-2026, nasuri 2026-07-28 |
| Mga test file | hybrid-valid.csv (pumasa) · missing-town-invalid.csv (bumagsak) |
Town Name must be carried in TwnNm, not in an address line.
Pagwawasto. Move the town into
CBPR-ADDR-003 — Country is mandatory as a two-letter ISO 3166 code
| Profile | cbpr-plus |
| Layer | scheme |
| Bigat | error |
| May bisa mula | 2026-11-14 |
| Mga mensahe | pacs.008, pacs.009, pacs.004, pacs.003 |
| Landas | {party}/PstlAdr/Ctry |
| Pinagmulan | SWIFT-ADDR-2026, nasuri 2026-07-28 |
| Mga test file | hybrid-valid.csv (pumasa) · missing-country-invalid.csv (bumagsak) |
Country must be carried in Ctry as a two-letter ISO 3166 alpha-2 code.
Pagwawasto. Use the alpha-2 code, for example GB rather than United Kingdom or GBR.
CBPR-ADDR-004 — Hybrid postal address is accepted
| Profile | cbpr-plus |
| Layer | scheme |
| Bigat | info |
| May bisa mula | 2025-11-22 |
| Mga mensahe | pacs.008, pacs.009, pacs.004, pacs.003 |
| Landas | {party}/PstlAdr |
| Pinagmulan | SWIFT-ADDR-2026, nasuri 2026-07-28 |
| Mga test file | hybrid-valid.csv (pumasa) |
A hybrid address — structured Town Name and Country alongside address lines — is accepted, both before and after the November 2026 change.
Pagwawasto. 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
| Profile | cbpr-plus |
| Layer | scheme |
| Bigat | info |
| May bisa mula | 2026-11-14 |
| Mga mensahe | pacs.008, pacs.009 |
| Landas | {agent}/FinInstnId/BICFI |
| Pinagmulan | SWIFT-ADDR-2026, nasuri 2026-07-28 |
| Mga test file | agent-bic-only-valid.csv (pumasa) |
For agent fields, BIC-only identification remains valid; no postal address is required.
Pagwawasto. 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
| Profile | cbpr-plus |
| Layer | scheme |
| Bigat | info |
| May bisa mula | 2026-11-14 |
| Mga mensahe | admi.024, camt.025, camt.052, camt.053, camt.054, camt.060 |
| Landas | — |
| Pinagmulan | SWIFT-ADDR-2026, nasuri 2026-07-28 |
| Mga test file | — |
The structured address requirement does not apply to admi.024, camt.025, camt.052, camt.053, camt.054 and camt.060.
Pagwawasto. No action required for these message types.
CHAPS-ADDR-001 — CHAPS validation library rejects fully unstructured addresses
| Profile | chaps-uk |
| Layer | scheme |
| Bigat | error |
| May bisa mula | 2026-11-14 |
| Mga mensahe | pacs.008, pacs.009 |
| Landas | {party}/PstlAdr |
| Pinagmulan | BOE-CHAPS-2026, nasuri 2026-07-28 |
| Mga test file | hybrid-valid.csv (pumasa) · unstructured-invalid.csv (bumagsak) |
From November 2026 the CHAPS validation library rejects payments carrying a fully unstructured address. Hybrid is the minimum acceptable form.
Pagwawasto. Structure the address to at least hybrid form before submission to CHAPS.
CHAPS-PURP-001 — Purpose codes become mandatory on all CHAPS payments — inanunsyo, hindi pa ipinatutupad
| Profile | chaps-uk |
| Layer | scheme |
| Bigat | error |
| May bisa mula | 2027-11-01 |
| Mga mensahe | pacs.008, pacs.009 |
| Landas | CdtTrfTxInf/Purp/Cd |
| Pinagmulan | BOE-CHAPS-2026, nasuri 2026-07-28 |
| Mga test file | — |
From November 2027 the Bank of England requires a purpose code on all CHAPS payments, extending the earlier property and FI-to-FI requirement.
Pagwawasto. 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 — inanunsyo, hindi pa ipinatutupad
| Profile | chaps-uk |
| Layer | scheme |
| Bigat | error |
| May bisa mula | 2027-11-01 |
| Mga mensahe | pacs.008 |
| Landas | CdtTrfTxInf/RmtInf/Strd |
| Pinagmulan | BOE-CHAPS-2026, nasuri 2026-07-28 |
| Mga test file | — |
From November 2027 remittance information carried in CHAPS payments must be structured.
Pagwawasto. Carry remittance data in
Announced in the Bank of England consultation; re-verify scope and exact date before enforcement.
Mga pinagmulan
| Pinagmulan | Naglathala | Dokumento | Bisa | Nasuri |
|---|---|---|---|---|
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 |
Pagkilala sa 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/.
Ang mga kahulugan at pagkakakilanlan ng mensahe sa pahinang ito ay mula sa materyal ng ISO 20022, ginagamit alinsunod sa ISO 20022 Intellectual Property Right Policy.