pacs.003.001.09 — Gbígbà owó tààrà fún oníbàárà láàárín àwọn ilé-iṣẹ́ ìṣúná

Pápá	Iye
Orúkọ ISO	FIToFICustomerDirectDebitV09
Ipò ìforúkọsílẹ̀	Registered
Ọdún	2019
Ẹ̀dà	9

Àkópọ̀

The pacs.003 message carries a customer direct debit between banks. It lets the creditor bank collect funds from the debtor bank.

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

Àwọn ẹ̀ka dátà pàtàkì

• 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

Ìpò ìṣòwò

• Supports SEPA Core and B2B direct debit schemes
• Used for recurring collections such as subscriptions and bills
• Needs a valid mandate reference
• Can carry many direct debits in one message

Key data elements and business context

Àwọn ẹ̀ka dátà pàtàkì	Ìpò ìṣòwò
GrpHdr — Group Header with message identification and settlement information	Supports SEPA Core and B2B direct debit schemes
DrctDbtTxInf — Direct Debit Transaction Information with amount and parties	Used for recurring collections such as subscriptions and bills
Cdtr — Creditor identification and account details	Needs a valid mandate reference
CdtrAgt — Creditor Agent (collecting institution) identification	Can carry many direct debits in one message
DbtrAgt — Debtor Agent (paying institution) identification	The creditor agent sends pacs.003 to the debtor agent. The debtor agent checks the mandate and either settles or returns the transaction.

Ìpò CBPR+ àti ètò

• Structured address and party-data rules also apply here.
• Mandate data must be structured from November 2026.
• It replaces older MT104-style direct-debit formats in cross-border flows.
• Creditor scheme identifiers need closer validation.

Ṣíṣàn ìfiránṣẹ́

The creditor agent sends pacs.003 to the debtor agent. The debtor agent checks the mandate and either settles or returns the transaction.

Primary references

• ISO 20022 message definitions catalogue for pacs.003.001.09
• SWIFT CBPR+ ISO 20022 usage-guidelines announcement
• SWIFT CBPR+ migration roadmap PDF

Àwọn ìfiránṣẹ́ tí ó jọra

Message type	Description	Àkópọ̀
pacs.004.001.11	Ìdápadà ìsanwó	The pacs.004 message returns a payment that has already settled. It sends funds back when a payment cannot be applied.
pacs.007.001.11	Ìfàgílé ìsanwó láàárín àwọn ilé-iṣẹ́ ìṣúná	The pacs.007 message reverses an earlier payment instruction. Unlike pacs.004, it starts from the original sender.
pacs.002.001.12	Ìròyìn ipò ìsanwó láàárín àwọn ilé-iṣẹ́ ìṣúná	The pacs.002 message reports the status of an earlier payment instruction. It tells another institution whether the payment was accepted, rejected, pending, or settled.