GLOBAL PAYMENTS KNOWLEDGEISO 20022 / SWIFT / SEPA / MT / MX
PAYMENTSSIGNAL

The interactive academy for the standards, messages, and rails that move money.

GET IN TOUCH
MESSAGE LAB / SAMPLES

Read real message shapes.

Illustrative, non-production samples of the messages that carry payments. Open a sample in the lab to decode it field by field — what each element means, who owns it, and how it goes wrong.

MT103

MT103 customer credit transfer

OPEN IN THE LAB

A compact FIN-style customer payment with fictional parties and account data.

{1:F01DEMOUS33AXXX0000000000}
{2:I103DEMOGB2LXXXXN}
{3:{108:DEMO-ONLY}}
{4:
:20:DEMO20260712
:23B:CRED
:32A:260712EUR1250,00
:33B:EUR1250,00
:50K:/DEMO-ORIGINATOR
JANE EXAMPLE
1 SAMPLE STREET
DUBLIN IE
:52A:DEMODEFFXXX
:57A:DEMOGB2LXXX
:59:/DEMO-BENEFICIARY
JOHN EXAMPLE
2 TEST ROAD
LONDON GB
:70:NON-PRODUCTION EXAMPLE
:71A:SHA
:72:/INS/NON-PRODUCTION EXAMPLE
-}

Illustrative, non-production example. Values are fictional and the message is not validated for any specific network, scheme, or implementation guide.

MT101

MT101 request for transfer

OPEN IN THE LAB

A fictional corporate request for transfer — the customer-side instruction that precedes the interbank MT103.

{1:F01DEMODEFFAXXX0000000000}
{2:I101DEMODEFFXXXXN}
{3:{108:DEMO-ONLY}}
{4:
:20:DEMO-REQ-20260712
:28D:1/1
:50H:/DE02120300000000202051
DEMO TRADING LTD
9 EXAMPLE QUAY
FRANKFURT DE
:30:260713
:21:DEMO-E2E-001
:32B:EUR1250,00
:57A:DEMOGB2LXXX
:59:/GB33BUKB20201555555555
EXAMPLE SUPPLIES LTD
2 TEST ROAD
LONDON GB
:70:DEMO INVOICE 1001
:71A:SHA
-}

Illustrative, non-production example. Values are fictional and the message is not validated for any specific network, scheme, or implementation guide.

MT202 COV

MT202 COV cover payment

OPEN IN THE LAB

A fictional cover transfer moving the money for the MT103 sample through a correspondent — sequence B repeats the underlying customer details so every bank in the chain can screen them.

{1:F01DEMODEFFAXXX0000000000}
{2:I202DEMOUS33XXXXN}
{3:{119:COV}{121:6f9619ff-8b86-4e9f-a6dd-2cce35e4b321}}
{4:
:20:DEMO-COV-20260712
:21:DEMO20260712
:32A:260712EUR1250,00
:52A:DEMODEFFXXX
:56A:DEMOUS33XXX
:57A:DEMOGB2LXXX
:58A:DEMOGB2LXXX
:72:/INS/NON-PRODUCTION EXAMPLE
:50K:/DEMO-ORIGINATOR
JANE EXAMPLE
1 SAMPLE STREET
DUBLIN IE
:59:/DEMO-BENEFICIARY
JOHN EXAMPLE
2 TEST ROAD
LONDON GB
:70:NON-PRODUCTION EXAMPLE
:33B:EUR1250,00
-}

Illustrative, non-production example. Values are fictional and the message is not validated for any specific network, scheme, or implementation guide.

pain.001

pain.001 customer initiation

OPEN IN THE LAB

A single fictional customer credit-transfer instruction.

<?xml version="1.0" encoding="UTF-8"?>
<!-- Illustrative non-production data -->
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.09">
  <CstmrCdtTrfInitn>
    <GrpHdr>
      <MsgId>DEMO-PAIN001-001</MsgId>
      <CreDtTm>2026-07-12T09:00:00Z</CreDtTm>
      <NbOfTxs>1</NbOfTxs>
      <CtrlSum>1250.00</CtrlSum>
      <InitgPty><Nm>Demo Trading Ltd</Nm></InitgPty>
    </GrpHdr>
    <PmtInf>
      <PmtInfId>DEMO-PMT-001</PmtInfId>
      <PmtMtd>TRF</PmtMtd>
      <PmtTpInf>
        <InstrPrty>NORM</InstrPrty>
        <SvcLvl><Cd>SEPA</Cd></SvcLvl>
        <CtgyPurp><Cd>SUPP</Cd></CtgyPurp>
      </PmtTpInf>
      <ReqdExctnDt><Dt>2026-07-13</Dt></ReqdExctnDt>
      <Dbtr>
        <Nm>Demo Trading Ltd</Nm>
        <PstlAdr>
          <StrtNm>Beispielstrasse</StrtNm>
          <BldgNb>12</BldgNb>
          <PstCd>60311</PstCd>
          <TwnNm>Frankfurt am Main</TwnNm>
          <Ctry>DE</Ctry>
        </PstlAdr>
      </Dbtr>
      <DbtrAcct><Id><IBAN>DE02120300000000202051</IBAN></Id></DbtrAcct>
      <DbtrAgt><FinInstnId><BICFI>DEMODEFFXXX</BICFI></FinInstnId></DbtrAgt>
      <CdtTrfTxInf>
        <PmtId><EndToEndId>DEMO-E2E-001</EndToEndId></PmtId>
        <Amt><InstdAmt Ccy="EUR">1250.00</InstdAmt></Amt>
        <CdtrAgt><FinInstnId><BICFI>DEMOGB2LXXX</BICFI></FinInstnId></CdtrAgt>
        <Cdtr>
          <Nm>Example Supplies Ltd</Nm>
          <PstlAdr>
            <StrtNm>Sample Row</StrtNm>
            <BldgNb>2</BldgNb>
            <PstCd>EC1A 1BB</PstCd>
            <TwnNm>London</TwnNm>
            <Ctry>GB</Ctry>
          </PstlAdr>
        </Cdtr>
        <CdtrAcct><Id><IBAN>GB33BUKB20201555555555</IBAN></Id></CdtrAcct>
        <Purp><Cd>SUPP</Cd></Purp>
        <RmtInf>
          <Ustrd>DEMO INVOICE 1001</Ustrd>
          <Strd>
            <CdtrRefInf>
              <Tp><CdOrPrtry><Cd>SCOR</Cd></CdOrPrtry></Tp>
              <Ref>RF18000000000000001001</Ref>
            </CdtrRefInf>
          </Strd>
        </RmtInf>
      </CdtTrfTxInf>
    </PmtInf>
  </CstmrCdtTrfInitn>
</Document>

Illustrative, non-production example. Values are fictional and the message is not validated for any specific network, scheme, or implementation guide.

pacs.008

pacs.008 FI-to-FI credit transfer

OPEN IN THE LAB

A fictional serial interbank customer credit transfer.

<?xml version="1.0" encoding="UTF-8"?>
<!-- Illustrative non-production data -->
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pacs.008.001.08">
  <FIToFICstmrCdtTrf>
    <GrpHdr>
      <MsgId>DEMO-PACS008-001</MsgId>
      <CreDtTm>2026-07-12T09:01:00Z</CreDtTm>
      <NbOfTxs>1</NbOfTxs>
      <SttlmInf><SttlmMtd>CLRG</SttlmMtd></SttlmInf>
    </GrpHdr>
    <CdtTrfTxInf>
      <PmtId>
        <InstrId>DEMO-INSTR-001</InstrId>
        <EndToEndId>DEMO-E2E-001</EndToEndId>
        <TxId>DEMO-TX-001</TxId>
        <UETR>6f9619ff-8b86-4e9f-a6dd-2cce35e4b321</UETR>
      </PmtId>
      <PmtTpInf>
        <SvcLvl><Cd>SEPA</Cd></SvcLvl>
      </PmtTpInf>
      <IntrBkSttlmAmt Ccy="EUR">1250.00</IntrBkSttlmAmt>
      <IntrBkSttlmDt>2026-07-13</IntrBkSttlmDt>
      <ChrgBr>SLEV</ChrgBr>
      <InstgAgt><FinInstnId><BICFI>DEMODEFFXXX</BICFI></FinInstnId></InstgAgt>
      <InstdAgt><FinInstnId><BICFI>DEMOGB2LXXX</BICFI></FinInstnId></InstdAgt>
      <PrvsInstgAgt1><FinInstnId><BICFI>DEMOFRPPXXX</BICFI></FinInstnId></PrvsInstgAgt1>
      <IntrmyAgt1><FinInstnId><BICFI>DEMONL2AXXX</BICFI></FinInstnId></IntrmyAgt1>
      <Dbtr>
        <Nm>Demo Trading Ltd</Nm>
        <PstlAdr>
          <StrtNm>Beispielstrasse</StrtNm>
          <BldgNb>12</BldgNb>
          <PstCd>60311</PstCd>
          <TwnNm>Frankfurt am Main</TwnNm>
          <Ctry>DE</Ctry>
        </PstlAdr>
      </Dbtr>
      <DbtrAcct><Id><IBAN>DE02120300000000202051</IBAN></Id></DbtrAcct>
      <DbtrAgt><FinInstnId><BICFI>DEMODEFFXXX</BICFI></FinInstnId></DbtrAgt>
      <CdtrAgt><FinInstnId><BICFI>DEMOGB2LXXX</BICFI></FinInstnId></CdtrAgt>
      <Cdtr>
        <Nm>Example Supplies Ltd</Nm>
        <PstlAdr>
          <StrtNm>Sample Row</StrtNm>
          <BldgNb>2</BldgNb>
          <PstCd>EC1A 1BB</PstCd>
          <TwnNm>London</TwnNm>
          <Ctry>GB</Ctry>
        </PstlAdr>
      </Cdtr>
      <CdtrAcct><Id><IBAN>GB33BUKB20201555555555</IBAN></Id></CdtrAcct>
      <Purp><Cd>SUPP</Cd></Purp>
      <RmtInf>
        <Ustrd>DEMO INVOICE 1001</Ustrd>
        <Strd>
          <CdtrRefInf>
            <Tp><CdOrPrtry><Cd>SCOR</Cd></CdOrPrtry></Tp>
            <Ref>RF18000000000000001001</Ref>
          </CdtrRefInf>
        </Strd>
      </RmtInf>
    </CdtTrfTxInf>
  </FIToFICstmrCdtTrf>
</Document>

Illustrative, non-production example. Values are fictional and the message is not validated for any specific network, scheme, or implementation guide.

pacs.009

pacs.009 COV financial institution transfer

OPEN IN THE LAB

A fictional cover transfer in ISO 20022: the institutional leg plus the underlying customer credit transfer block that keeps the real parties visible.

<?xml version="1.0" encoding="UTF-8"?>
<!-- Illustrative non-production data -->
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pacs.009.001.08">
  <FICdtTrf>
    <GrpHdr>
      <MsgId>DEMO-PACS009-001</MsgId>
      <CreDtTm>2026-07-12T09:02:00Z</CreDtTm>
      <NbOfTxs>1</NbOfTxs>
      <SttlmInf>
        <SttlmMtd>COVE</SttlmMtd>
        <InstgRmbrsmntAgt><FinInstnId><BICFI>DEMOUS33XXX</BICFI></FinInstnId></InstgRmbrsmntAgt>
        <InstdRmbrsmntAgt><FinInstnId><BICFI>DEMOGB2LXXX</BICFI></FinInstnId></InstdRmbrsmntAgt>
      </SttlmInf>
    </GrpHdr>
    <CdtTrfTxInf>
      <PmtId>
        <InstrId>DEMO-COV-001</InstrId>
        <EndToEndId>DEMO-E2E-001</EndToEndId>
        <UETR>6f9619ff-8b86-4e9f-a6dd-2cce35e4b321</UETR>
      </PmtId>
      <IntrBkSttlmAmt Ccy="EUR">1250.00</IntrBkSttlmAmt>
      <IntrBkSttlmDt>2026-07-12</IntrBkSttlmDt>
      <IntrmyAgt1><FinInstnId><BICFI>DEMOUS33XXX</BICFI></FinInstnId></IntrmyAgt1>
      <Dbtr><FinInstnId><BICFI>DEMODEFFXXX</BICFI></FinInstnId></Dbtr>
      <Cdtr><FinInstnId><BICFI>DEMOGB2LXXX</BICFI></FinInstnId></Cdtr>
      <UndrlygCstmrCdtTrf>
        <Dbtr><Nm>Demo Trading Ltd</Nm></Dbtr>
        <DbtrAgt><FinInstnId><BICFI>DEMODEFFXXX</BICFI></FinInstnId></DbtrAgt>
        <CdtrAgt><FinInstnId><BICFI>DEMOGB2LXXX</BICFI></FinInstnId></CdtrAgt>
        <Cdtr><Nm>Example Supplies Ltd</Nm></Cdtr>
        <InstdAmt Ccy="EUR">1250.00</InstdAmt>
        <RmtInf><Ustrd>DEMO INVOICE 1001</Ustrd></RmtInf>
      </UndrlygCstmrCdtTrf>
    </CdtTrfTxInf>
  </FICdtTrf>
</Document>

Illustrative, non-production example. Values are fictional and the message is not validated for any specific network, scheme, or implementation guide.

pacs.002

pacs.002 payment status

OPEN IN THE LAB

A fictional accepted status response referring to a pacs.008.

<?xml version="1.0" encoding="UTF-8"?>
<!-- Illustrative non-production data -->
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pacs.002.001.10">
  <FIToFIPmtStsRpt>
    <GrpHdr>
      <MsgId>DEMO-PACS002-001</MsgId>
      <CreDtTm>2026-07-12T09:01:03Z</CreDtTm>
      <InstgAgt><FinInstnId><BICFI>DEMOGB2LXXX</BICFI></FinInstnId></InstgAgt>
      <InstdAgt><FinInstnId><BICFI>DEMODEFFXXX</BICFI></FinInstnId></InstdAgt>
    </GrpHdr>
    <OrgnlGrpInfAndSts>
      <OrgnlMsgId>DEMO-PACS008-001</OrgnlMsgId>
      <OrgnlMsgNmId>pacs.008.001.08</OrgnlMsgNmId>
      <GrpSts>ACCP</GrpSts>
    </OrgnlGrpInfAndSts>
    <TxInfAndSts>
      <OrgnlInstrId>DEMO-INSTR-001</OrgnlInstrId>
      <OrgnlEndToEndId>DEMO-E2E-001</OrgnlEndToEndId>
      <OrgnlTxId>DEMO-TX-001</OrgnlTxId>
      <TxSts>ACCP</TxSts>
      <AccptncDtTm>2026-07-12T09:01:02Z</AccptncDtTm>
    </TxInfAndSts>
  </FIToFIPmtStsRpt>
</Document>

Illustrative, non-production example. Values are fictional and the message is not validated for any specific network, scheme, or implementation guide.

pacs.002

pacs.002 payment status — rejection

OPEN IN THE LAB

The other face of the status report: a fictional negative pacs.002 rejecting a transfer before settlement — the beneficiary account is closed, so nothing has to be unwound.

<?xml version="1.0" encoding="UTF-8"?>
<!-- Illustrative non-production data -->
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pacs.002.001.10">
  <FIToFIPmtStsRpt>
    <GrpHdr>
      <MsgId>DEMO-PACS002-RJCT-001</MsgId>
      <CreDtTm>2026-07-12T09:01:04Z</CreDtTm>
      <InstgAgt><FinInstnId><BICFI>DEMOGB2LXXX</BICFI></FinInstnId></InstgAgt>
      <InstdAgt><FinInstnId><BICFI>DEMODEFFXXX</BICFI></FinInstnId></InstdAgt>
    </GrpHdr>
    <OrgnlGrpInfAndSts>
      <OrgnlMsgId>DEMO-PACS008-002</OrgnlMsgId>
      <OrgnlMsgNmId>pacs.008.001.08</OrgnlMsgNmId>
      <GrpSts>RJCT</GrpSts>
    </OrgnlGrpInfAndSts>
    <TxInfAndSts>
      <OrgnlInstrId>DEMO-INSTR-002</OrgnlInstrId>
      <OrgnlEndToEndId>DEMO-E2E-002</OrgnlEndToEndId>
      <OrgnlTxId>DEMO-TX-002</OrgnlTxId>
      <TxSts>RJCT</TxSts>
      <StsRsnInf>
        <Orgtr><Id><OrgId><AnyBIC>DEMOGB2LXXX</AnyBIC></OrgId></Id></Orgtr>
        <Rsn><Cd>AC04</Cd></Rsn>
        <AddtlInf>NON-PRODUCTION EXAMPLE - ACCOUNT CLOSED</AddtlInf>
      </StsRsnInf>
    </TxInfAndSts>
  </FIToFIPmtStsRpt>
</Document>

Illustrative, non-production example. Values are fictional and the message is not validated for any specific network, scheme, or implementation guide.

pacs.004

pacs.004 payment return

OPEN IN THE LAB

A fictional return of the pacs.008 sample after settlement — account closed (AC04), funds travelling back as a new settled movement.

<?xml version="1.0" encoding="UTF-8"?>
<!-- Illustrative non-production data -->
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pacs.004.001.09">
  <PmtRtr>
    <GrpHdr>
      <MsgId>DEMO-PACS004-001</MsgId>
      <CreDtTm>2026-07-13T08:30:00Z</CreDtTm>
      <NbOfTxs>1</NbOfTxs>
      <SttlmInf><SttlmMtd>CLRG</SttlmMtd></SttlmInf>
    </GrpHdr>
    <TxInf>
      <RtrId>DEMO-RTR-001</RtrId>
      <OrgnlGrpInf>
        <OrgnlMsgId>DEMO-PACS008-001</OrgnlMsgId>
        <OrgnlMsgNmId>pacs.008.001.08</OrgnlMsgNmId>
      </OrgnlGrpInf>
      <OrgnlEndToEndId>DEMO-E2E-001</OrgnlEndToEndId>
      <OrgnlUETR>6f9619ff-8b86-4e9f-a6dd-2cce35e4b321</OrgnlUETR>
      <OrgnlIntrBkSttlmAmt Ccy="EUR">1250.00</OrgnlIntrBkSttlmAmt>
      <RtrdIntrBkSttlmAmt Ccy="EUR">1250.00</RtrdIntrBkSttlmAmt>
      <ChrgsInf>
        <Amt Ccy="EUR">0.00</Amt>
        <Agt><FinInstnId><BICFI>DEMOGB2LXXX</BICFI></FinInstnId></Agt>
      </ChrgsInf>
      <RtrRsnInf>
        <Orgtr><Id><OrgId><AnyBIC>DEMOGB2LXXX</AnyBIC></OrgId></Id></Orgtr>
        <Rsn><Cd>AC04</Cd></Rsn>
      </RtrRsnInf>
    </TxInf>
  </PmtRtr>
</Document>

Illustrative, non-production example. Values are fictional and the message is not validated for any specific network, scheme, or implementation guide.

camt.056

camt.056 payment cancellation request

OPEN IN THE LAB

A fictional recall request that references an earlier pacs.008.

<?xml version="1.0" encoding="UTF-8"?>
<!-- Illustrative non-production data -->
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.056.001.08">
  <FIToFIPmtCxlReq>
    <Assgnmt>
      <Id>DEMO-CAMT056-001</Id>
      <Assgnr><Agt><FinInstnId><BICFI>DEMODEFFXXX</BICFI></FinInstnId></Agt></Assgnr>
      <Assgne><Agt><FinInstnId><BICFI>DEMOGB2LXXX</BICFI></FinInstnId></Agt></Assgne>
      <CreDtTm>2026-07-12T10:15:00Z</CreDtTm>
    </Assgnmt>
    <CtrlData><NbOfTxs>1</NbOfTxs></CtrlData>
    <Undrlyg>
      <TxInf>
        <CxlId>DEMO-RECALL-001</CxlId>
        <OrgnlGrpInf>
          <OrgnlMsgId>DEMO-PACS008-001</OrgnlMsgId>
          <OrgnlMsgNmId>pacs.008.001.08</OrgnlMsgNmId>
        </OrgnlGrpInf>
        <OrgnlInstrId>DEMO-INSTR-001</OrgnlInstrId>
        <OrgnlEndToEndId>DEMO-E2E-001</OrgnlEndToEndId>
        <OrgnlTxId>DEMO-TX-001</OrgnlTxId>
        <OrgnlIntrBkSttlmAmt Ccy="EUR">1250.00</OrgnlIntrBkSttlmAmt>
        <OrgnlIntrBkSttlmDt>2026-07-12</OrgnlIntrBkSttlmDt>
        <CxlRsnInf>
          <Orgtr><Nm>Demo Trading Ltd</Nm></Orgtr>
          <Rsn><Cd>DUPL</Cd></Rsn>
        </CxlRsnInf>
      </TxInf>
    </Undrlyg>
  </FIToFIPmtCxlReq>
</Document>

Illustrative, non-production example. Values are fictional and the message is not validated for any specific network, scheme, or implementation guide.

camt.029

camt.029 resolution of investigation

OPEN IN THE LAB

A fictional negative answer to the camt.056 recall sample — the cancellation is rejected and the case closed.

<?xml version="1.0" encoding="UTF-8"?>
<!-- Illustrative non-production data -->
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.029.001.09">
  <RsltnOfInvstgtn>
    <Assgnmt>
      <Id>DEMO-CAMT029-001</Id>
      <Assgnr><Agt><FinInstnId><BICFI>DEMOGB2LXXX</BICFI></FinInstnId></Agt></Assgnr>
      <Assgne><Agt><FinInstnId><BICFI>DEMODEFFXXX</BICFI></FinInstnId></Agt></Assgne>
      <CreDtTm>2026-07-14T11:05:00Z</CreDtTm>
    </Assgnmt>
    <RslvdCase>
      <Id>DEMO-RECALL-001</Id>
      <Cretr><Agt><FinInstnId><BICFI>DEMODEFFXXX</BICFI></FinInstnId></Agt></Cretr>
    </RslvdCase>
    <Sts><Conf>RJCR</Conf></Sts>
    <CxlDtls>
      <TxInfAndSts>
        <CxlStsId>DEMO-CXLSTS-001</CxlStsId>
        <OrgnlGrpInf>
          <OrgnlMsgId>DEMO-PACS008-001</OrgnlMsgId>
          <OrgnlMsgNmId>pacs.008.001.08</OrgnlMsgNmId>
        </OrgnlGrpInf>
        <OrgnlEndToEndId>DEMO-E2E-001</OrgnlEndToEndId>
        <OrgnlUETR>6f9619ff-8b86-4e9f-a6dd-2cce35e4b321</OrgnlUETR>
        <TxCxlSts>RJCR</TxCxlSts>
        <CxlStsRsnInf>
          <Orgtr><Nm>Example Supplies Ltd</Nm></Orgtr>
          <Rsn><Cd>LEGL</Cd></Rsn>
        </CxlStsRsnInf>
      </TxInfAndSts>
    </CxlDtls>
  </RsltnOfInvstgtn>
</Document>

Illustrative, non-production example. Values are fictional and the message is not validated for any specific network, scheme, or implementation guide.