ISO20022 Customer Credit Transfer Initiation (pain.001)

This dataset provides comprehensive records of customer-initiated credit transfer payments, including SEPA, wire, and bulk transactions, with detailed debtor and creditor information, payment amounts, and transaction metadata. Designed for financial institutions, payment processors, and compliance teams, it enables robust reconciliation, fraud detection, and operational analytics for payment flows.

  • last updated 29 Oct 2025
  • by GoMask
The brief that made it

Payment reconciliation and operational analytics

Sample rows

preview · 8 of 300 rows · all 28 columns
payment_idstringinstruction_prioritystringpayment_amountfloatdebtor_address_statestringmessage_datedatetimedebtor_namestringdebtor_account_ibanstringdebtor_bank_bicstringdebtor_address_streetstringdebtor_address_citystringdebtor_address_postal_codestringdebtor_address_countrystringcreditor_namestringcreditor_account_ibanstringcreditor_bank_bicstringcreditor_address_streetstringcreditor_address_citystringcreditor_address_statestringcreditor_address_postal_codestringcreditor_address_countrystringpayment_currencystringpayment_typestringexecution_datedateend_to_end_idstringremittance_informationstringcharge_bearerstringbatch_idstringstatusstring
PAY-8ZB5H1KJNORMAL1880.65MI2023-11-09T14:52:10ZLuca MorettiIT60X0542811101000000123456BCITITMMVia Roma 99Milano20122ITGlobal Solutions GmbHDE89370400440532013000COBADEFFKaiserstrasse 21Frankfurtblank60311DEEURSEPA2023-11-10E2E-20231109-01Consulting services October 2023SHARblankPROCESSED
PAY-K2T6V9B1NORMAL5205blank2024-01-15T09:11:34ZSophie TremblayFR7630006000011234567890189AGRIFRPPRue Lafayette 12Paris75009FRABC Trading LtdGB29NWBK60161331926819NWBKGB2LBishopsgate 100LondonblankEC2M4NPGBGBPWIRE2024-01-16E2E-20240115-02Invoice 2024-01-15 paymentDEBTblankPROCESSED
PAY-R3V2B6Z8NORMAL75.44blank2023-05-21T16:34:12ZMarta FernandezES9121000418450200051332CAIXESBBCalle Mayor 3Madrid28013ESBenoit DuboisFR1420041010050500013M02606BNPAFRPPBoulevard de la Gare 18Lyonblank69002FREURSEPA2023-05-21E2E-20230521-03Birthday giftSLEVblankPROCESSED
PAY-9H4F1B7JHIGH2390.25CA2024-04-02T11:20:07ZMichael JohnsonUS64SVBKUS6S12345678901234SVBKUS6S214 Main StSan Jose95113USAiko TanakaJP04XXXX01234567890123MHCBJPJT1 Chome-2-3 MarunouchiTokyoblank100-0005JPUSDWIRE2024-04-03E2E-20240402-04International transfer for tuitionSHARblankPENDING
PAY-3F8B2M6TNORMAL512blank2022-12-31T17:45:19ZAhmed Al-FarsiSA0380000000608010167519SABBSARIKing Fahd Rd 55Riyadh11491SARajesh KumarIN02500000012345678901ICICINBBMG Road 202BengaluruKA560001ININRWIRE2023-01-02E2E-20221231-05Travel reimbursementDEBTblankPROCESSED
PAY-K8G2S9V3HIGH12800blank2022-09-18T13:22:05ZOlga IvanovaRU02044500000012345678SABRRUMMUlitsa Tverskaya 22Moscow125009RUHongmei LiCN102100000012345678ICBKCNBJNanluogu Alley 77Beijingblank100007CNCNYWIRE2022-09-19E2E-20220918-06Equipment purchaseSLEVblankPROCESSED
PAY-4H9P6T2ANORMAL20500SP2023-07-10T10:18:41ZMaria da SilvaBR1500000000001234567890123BRASBRRJAv Paulista 1000Sao Paulo01310-100BRGreenfield Tech LtdGB98BARC20201530093459BARCGB22Innovation St 42ManchesterblankM13DRGBGBPWIRE2023-07-11E2E-20230710-07Tech export paymentSHARblankPROCESSED
PAY-G2C5N8D1NORMAL1750blank2023-03-12T08:01:24ZKevin LeeSG90540123456789012DBSSSGSGOrchard Rd 55Singapore238879SGEmily NguyenGB07LOYD30977612345678LOYDGB2LQueen Victoria St 8LondonblankEC4N4TQGBSGDWIRE2023-03-13E2E-20230312-08Wedding giftCREDblankPROCESSED

What the 300 rows show

from the 300-row sample
  • 1,590median payment_amount
  • 3payment types
  • 3statuses
  • 4charge bearers
  • 19payment currencies
  • 33debtor address countries
instruction_priority300 rows by value
095190116HIGH39%184NORMAL61%
payment_amount300 rows, in bands of 500k
014529028834200100202.5M5Mpayment_amount →

Median 1,590, from 0.01 to 5,000,000.

debtor_address_state61 rows with a value · 239 left blank
  1. NY10
  2. CA7
  3. SP5
  4. MI4
  5. MA4
  6. RM4
  7. KA4
  8. RJ3
  9. IL3
  10. WA3
28 columns by typefrom the column list below
  • string 25
  • float 1
  • date 1
  • datetime 1

Columns

28 columns in three groups
blueprint · 28 columns
columntypedescriptionexample
Text 25 columns
payment_idstringUnique identifier for the payment initiation messageuniquePAY-8ZB5H1KJ
debtor_namestringFull name of the party initiating the payment (debtor)Luca Moretti
debtor_account_ibanstringIBAN of the debtor's accountES9121000418450200051332
debtor_bank_bicstringBIC code of the debtor's bankBCITITMM
debtor_address_streetstringStreet address of the debtoroptionalVia Roma 99
debtor_address_citystringCity of the debtoroptionalMilano
debtor_address_statestringState or province of the debtoroptionalMI
debtor_address_postal_codestringPostal code of the debtoroptional20122
debtor_address_countrystringCountry code (ISO 3166-1 alpha-2) of the debtoroptionalIT
creditor_namestringFull name of the party receiving the payment (creditor)Global Solutions GmbH
creditor_account_ibanstringIBAN of the creditor's accountDE89370400440532013000
creditor_bank_bicstringBIC code of the creditor's bankCOBADEFF
creditor_address_streetstringStreet address of the creditoroptionalKaiserstrasse 21
creditor_address_citystringCity of the creditoroptionalFrankfurt
creditor_address_statestringState or province of the creditoroptionalKA
creditor_address_postal_codestringPostal code of the creditoroptional60311
creditor_address_countrystringCountry code (ISO 3166-1 alpha-2) of the creditoroptionalDE
payment_currencystringCurrency code (ISO 4217) of the paymentEUR
payment_typestringType of payment (e.g., SEPA, wire, bulk)SEPA · WIRE · BULKSEPA
end_to_end_idstringEnd-to-end transaction reference for reconciliationoptionalE2E-20231109-01
remittance_informationstringFree-form information for the beneficiary (e.g., invoice number, purpose)optionalBirthday gift
charge_bearerstringIndicates who bears the transaction charges (e.g., DEBT, CRED, SHAR, SLEV)DEBT · CRED · SHAR · SLEV · optionalSHAR
batch_idstringIdentifier for bulk payment batches (if applicable)optionalBATCH-20230912-01
instruction_prioritystringPriority of the payment instruction (e.g., HIGH, NORMAL)HIGH · NORMAL · optionalNORMAL
statusstringCurrent status of the payment initiation (e.g., PENDING, PROCESSED, REJECTED)PENDING · PROCESSED · REJECTEDPROCESSED
Numbers 1 column
payment_amountfloatAmount to be transferred0.01 or more1880.65
Dates and times 2 columns
message_datedatetimeDate and time when the payment initiation message was created2023-11-09T14:52:10Z
execution_datedateRequested execution date for the payment2023-11-10

Use it for

  • median payment…1,590300 rowsmean payment amount b…140.9kHIGH58.3kNORMAL

    A finance dashboard

    Payment_amount by instruction_priority and a breakdown of debtor_address_state. Excel, Power BI or Tableau.

  • What pattern can you find in 300 rows?

    A class exercise

    Hand out the rows and one question. Everyone works from the same 300 rows.

  • A software demo

    Believable payments with message_date, debtor_name and debtor_account_iban to fill a screen in front of a buyer.

Not quite right?

Make it yours.

Same 28 columns, your size and your rules. See 20 rows before you pay.

Preview 20 rows free

1,000 rows: $1.99 · 10,000: $12.99One-time. No subscription. All prices

This dataset300 rows28 columns
Yours1,000 rows28 columnsdebtor_address_street: UK only

blueprint · iso20022-customer-credit-transfer-initiation-pain001

Behind this dataset

Same schema. As many rows as you need.

These 300 rows came out of a blueprint — 28 columns with generation rules behind each one. Open it in Data Factory to retune a column, add your own, wire in foreign keys, and run it at the size you actually need.

Rules it was built with
  • Message ID unique per payment initiation
  • Debtor account IBAN format validation
  • Creditor account IBAN or account number required
  • Payment amount positive non-zero value
  • Requested execution date on or after creation date
  • Currency code ISO 4217 compliant
  • BIC/SWIFT codes valid for creditor bank
Rows
Open the blueprint in Data Factory

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Exports
CSV, JSON, JSONL, Parquet, SQL, Excel, TSV, XML
Licence
yours to use, including commercially
API slug
iso20022-customer-credit-transfer-initiation-pain001

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