Montran · Schema

PaymentInitiation

Payment initiation request aligned with ISO 20022 pain.001 CustomerCreditTransferInitiation message structure

BankingCentral BankingFinancial ServicesISO 20022Market InfrastructureMessagingPaymentsReal-Time PaymentsSWIFT

Properties

Name	Type	Description
messageId	string	Unique message identification assigned by the initiating party
paymentType	string	Type of payment being initiated
debtorName	string	Name of the debtor (payer)
debtorAccount	object
debtorAgent	object
creditorName	string	Name of the creditor (payee)
creditorAccount	object
creditorAgent	object
amount	number	Payment amount
currency	string	ISO 4217 currency code
requestedExecutionDate	string	Requested execution date for the payment
endToEndId	string	End-to-end identification assigned by the initiating party
remittanceInformation	string	Remittance information or payment reference
chargeBearer	string	Specifies which party bears the charges
urgency	string	Payment urgency level

View JSON Schema on GitHub

JSON Schema

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "#/components/schemas/PaymentInitiation",
  "title": "PaymentInitiation",
  "type": "object",
  "description": "Payment initiation request aligned with ISO 20022 pain.001 CustomerCreditTransferInitiation message structure",
  "required": [
    "paymentType",
    "debtorAccount",
    "creditorAccount",
    "amount",
    "currency"
  ],
  "properties": {
    "messageId": {
      "type": "string",
      "description": "Unique message identification assigned by the initiating party"
    },
    "paymentType": {
      "type": "string",
      "description": "Type of payment being initiated",
      "enum": [
        "credit-transfer",
        "direct-debit",
        "cheque",
        "cross-border",
        "remittance"
      ]
    },
    "debtorName": {
      "type": "string",
      "description": "Name of the debtor (payer)"
    },
    "debtorAccount": {
      "$ref": "#/components/schemas/AccountIdentification"
    },
    "debtorAgent": {
      "$ref": "#/components/schemas/FinancialInstitution"
    },
    "creditorName": {
      "type": "string",
      "description": "Name of the creditor (payee)"
    },
    "creditorAccount": {
      "$ref": "#/components/schemas/AccountIdentification"
    },
    "creditorAgent": {
      "$ref": "#/components/schemas/FinancialInstitution"
    },
    "amount": {
      "type": "number",
      "format": "double",
      "description": "Payment amount",
      "minimum": 0.01
    },
    "currency": {
      "type": "string",
      "description": "ISO 4217 currency code",
      "pattern": "^[A-Z]{3}$"
    },
    "requestedExecutionDate": {
      "type": "string",
      "format": "date",
      "description": "Requested execution date for the payment"
    },
    "endToEndId": {
      "type": "string",
      "description": "End-to-end identification assigned by the initiating party"
    },
    "remittanceInformation": {
      "type": "string",
      "description": "Remittance information or payment reference"
    },
    "chargeBearer": {
      "type": "string",
      "description": "Specifies which party bears the charges",
      "enum": [
        "DEBT",
        "CRED",
        "SHAR",
        "SLEV"
      ]
    },
    "urgency": {
      "type": "string",
      "description": "Payment urgency level",
      "enum": [
        "NORMAL",
        "HIGH",
        "EXPRESS"
      ]
    }
  }
}