ISO20022 Customer Direct Debit Initiation (pain.008)

This dataset provides a comprehensive record of ISO20022 direct debit initiation requests, detailing creditor and debtor information, mandate references, payment amounts, scheduling, and transaction status. It enables robust tracking of recurring and one-off collections, supports compliance audits, and facilitates automated reconciliation for financial institutions and payment processors.

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

Automated reconciliation of direct debit transactions

Sample rows

preview · 8 of 300 rows · all 34 columns
collection_idstringstatusstringcollection_amountfloatis_recurringbooleandebtor_address_countrystringcreditor_idstringcreditor_namestringcreditor_account_ibanstringcreditor_bank_bicstringdebtor_idstringdebtor_namestringdebtor_account_ibanstringdebtor_bank_bicstringmandate_referencestringmandate_sign_datedatemandate_typestringcurrencystringcollection_due_datedatesequence_typestringpurpose_codestringend_to_end_idstringdebtor_address_streetstringdebtor_address_citystringdebtor_address_statestringdebtor_address_postal_codestringcreditor_address_streetstringcreditor_address_citystringcreditor_address_statestringcreditor_address_postal_codestringcreditor_address_countrystringremittance_informationstringrequested_collection_datetimedatetimerecurrence_frequencystringrecurrence_end_datedate
COLL-2024A-001pending54.3trueDECRD1001Energie Berlin GmbHDE89370400440532013000DEUTDEBBXXXDBT2001Anna BeckerDE75512108001245126199COBADEFFXXXMR-2024-ENR-AB2024-02-12recurringEUR2024-03-01FRSTENERE2E-2024-00001Wiesenstr. 11BerlinBE10115Alexanderplatz 3BerlinBE10178DEMarch energy bill2024-02-13T09:15:28monthly2025-02-28
COLL-2024A-002processed33.4trueNLCRD1002WaterNet AmsterdamNL91ABNA0417164300ABNANL2ADBT2002Pieter de VriesNL48RABO0186722095RABONL2UMR-2023-WTR-PDV2023-08-15recurringEUR2024-03-03RCURUTILE2E-2024-00002Herengracht 214Amsterdamblank1016BSSpuistraat 12Amsterdamblank1012TSNLMonthly water service2024-02-28T16:32:41monthly2024-08-15
COLL-2024A-003pending1400trueCHCRD1003SwissRent AGCH5604835012345678009CRESCHZZ80ADBT2003Luca KellerCH9300762011623852957UBSWCHZH80AMR-2024-RENT-LK2024-01-08recurringCHF2024-03-05RCURRENTE2E-2024-00003Bahnhofstrasse 7ZurichZH8001Poststrasse 22BaselBS4001CHMarch rent payment2024-02-25T19:47:09monthly2025-01-08
COLL-2024A-004pending29.99trueSECRD1004Telecom Stockholm ABSE4550000000058398257466NDEASESSDBT2004Erik SvenssonSE3550000000058398257461SWEDSESSMR-2023-TEL-ES2023-09-10recurringSEK2024-03-10RCURTELEE2E-2024-00004Sveavägen 34Stockholmblank11134Kungsgatan 2Stockholmblank11135SEMonthly phone bill2024-03-01T13:23:19monthly2024-12-10
COLL-2024A-005pending62.15trueGBCRD1005London Utilities LtdGB33BUKB20201555555555BARCGB22DBT2005Charlotte EvansGB29NWBK60161331926819NWBKGB2LMR-2024-UTIL-CE2024-02-01recurringGBP2024-03-04FRSTUTILE2E-2024-00005Baker Street 221BLondonENGNW16XECanary Wharf 14LondonENGE145HQGBMarch utilities bill2024-02-28T11:09:32monthly2025-02-01
COLL-2024A-006processed18.5falseITCRD1006Milan Metro S.p.A.IT60X0542811101000000123456BCITITMMDBT2006Giovanni RossiIT60X0542811101000000654321BCITITMMMR-2024-TRAV-GR2024-02-20one-offEUR2024-03-06OOFFTRAVE2E-2024-00006Via Torino 19MilanoMI20123Piazza Duomo 1MilanoMI20121ITMetro ticket purchase2024-03-05T18:21:17blankblank
COLL-2024A-007pending27.9falseFRCRD1007Paris Bookstore SARLFR7630006000011234567890189AGRIFRPPDBT2007Marie DuboisFR4030002000011234567890189BNPAFRPPMR-2024-BOOK-MD2024-03-01one-offEUR2024-03-07OOFFBOOKE2E-2024-00007Rue de Rivoli 45ParisIDF75001Boulevard Saint-Michel 2ParisIDF75005FRBook purchase2024-03-07T09:48:06blankblank
COLL-2024A-008pending2500falseCHCRD1008Zurich Health SACH3209000000600174302ZKBKCHZZ80ADBT2008Sophie MaurerCH5609000000600174303ZKBKCHZZ80AMR-2024-HLTH-SM2024-02-14one-offCHF2024-03-09OOFFHLTCE2E-2024-00008Langstrasse 99ZurichZH8004Bahnhofplatz 1ZurichZH8001CHHospital procedure2024-03-08T08:30:00blankblank

What the 300 rows show

from the 300-row sample

Pending status stands out: 190 of its 242 rows have is_recurring = true, against 11 of 58 for the rest.

  • 67%is_recurring = true
  • 81.0median collection_amount
  • 2mandate types
  • 2recurrence frequencies
  • 3sequence types
  • 7currencies
Is recurring rate by statusis_recurring = true
0%50%100%79%pending190 of 24219%processed11 of 58
collection_amount300 rows, in bands of 5,000
0140280271123801311025k45kcollection_amount →

Median 81.0, from 9.0 to 42,000.

debtor_address_country300 rows · top 10 of 19 values
  1. DE42
  2. CH35
  3. SE27
  4. GB26
  5. FR22
  6. DK22
  7. IN22
  8. NL20
  9. AT16
  10. ES15
34 columns by typefrom the column list below
  • string 28
  • float 1
  • date 3
  • datetime 1
  • boolean 1

Columns

34 columns in four groups
blueprint · 34 columns
columntypedescriptionexample
Text 28 columns
collection_idstringUnique identifier for the direct debit collection initiation request.uniqueCOLL-2024A-001
creditor_idstringUnique identifier for the creditor initiating the direct debit.CRD1001
creditor_namestringName of the creditor organization.Energie Berlin GmbH
creditor_account_ibanstringIBAN of the creditor's account to be credited.DE89370400440532013000
creditor_bank_bicstringBIC (Bank Identifier Code) of the creditor's bank.DEUTDEBBXXX
debtor_idstringUnique identifier for the debtor whose account will be debited.DBT2001
debtor_namestringName of the debtor.Anna Becker
debtor_account_ibanstringIBAN of the debtor's account to be debited.DE75512108001245126199
debtor_bank_bicstringBIC of the debtor's bank.COBADEFFXXX
mandate_referencestringReference to the direct debit mandate authorizing the transaction.MR-2024-ENR-AB
mandate_typestringType of mandate (e.g., 'one-off', 'recurring').one-off · recurringrecurring
currencystringCurrency code for the transaction (ISO 4217).7 currenciesEUR
sequence_typestringSequence type of the collection (e.g., 'FRST', 'RCUR', 'FNAL', 'OOFF').FRST · RCUR · FNAL · OOFFFRST
purpose_codestringCode describing the purpose of the direct debit (ISO 20022 standard).optionalENER
end_to_end_idstringUnique identifier for the transaction, end-to-end between creditor and debtor.uniqueE2E-2024-00001
debtor_address_streetstringStreet address of the debtor.optionalWiesenstr. 11
debtor_address_citystringCity of the debtor.optionalBerlin
debtor_address_statestringState or province of the debtor.optionalBE
debtor_address_postal_codestringPostal code of the debtor.optional10115
debtor_address_countrystringCountry of the debtor (ISO 3166-1 alpha-2 code).optionalDE
creditor_address_streetstringStreet address of the creditor.optionalAlexanderplatz 3
creditor_address_citystringCity of the creditor.optionalBerlin
creditor_address_statestringState or province of the creditor.optionalBE
creditor_address_postal_codestringPostal code of the creditor.optional10178
creditor_address_countrystringCountry of the creditor (ISO 3166-1 alpha-2 code).optionalDE
remittance_informationstringAdditional information for the debtor regarding the payment.optionalMarch energy bill
recurrence_frequencystringFrequency of the recurring collection (e.g., 'monthly', 'quarterly', 'yearly').daily · weekly · monthly · quarterly · yearly · optionalmonthly
statusstringCurrent status of the collection request (e.g., 'pending', 'processed', 'failed', 'cancelled').pending · processed · failed · cancelledpending
Numbers 1 column
collection_amountfloatAmount to be collected from the debtor's account.0.01 or more54.3
Dates and times 4 columns
mandate_sign_datedateDate when the mandate was signed by the debtor.2024-02-12
collection_due_datedateDate on which the collection is scheduled.2024-03-01
requested_collection_datetimedatetimeTimestamp when the collection request was created.2024-02-13T09:15:28
recurrence_end_datedateEnd date for the recurring collection schedule.optional2025-02-28
True or false 1 column
is_recurringbooleanIndicates if the direct debit is part of a recurring schedule.true

Use it for

  • is recurring67%201 of 300 rowsmean collection amoun…2.4kpending460.4proces…

    A finance dashboard

    The is_recurring rate, collection_amount by status and a breakdown of debtor_address_country. Excel, Power BI or Tableau.

  • Why do 201 of 300 rows have is_recurring = true?

    A root-cause class exercise

    Hand out the rows and one question. The answer is in the data, not in the brief.

  • A software demo

    Believable collections with creditor_id, creditor_name and creditor_account_iban to fill a screen in front of a buyer.

Not quite right?

Make it yours.

Same 34 columns, your size and your rules. See 20 rows before you pay.

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This dataset300 rows34 columns
Yours1,000 rows34 columnsdebtor_address_street: UK only

blueprint · iso20022-customer-direct-debit-initiation-pain008

Behind this dataset

Same schema. As many rows as you need.

These 300 rows came out of a blueprint — 34 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
  • Mandate ID references signed authorization
  • Debtor account IBAN with valid check digits
  • Collection date within mandate validity period
  • Sequence type: first, recurring, one-off, or final
  • Creditor ID validated against scheme
  • Amount respects mandate maximum limits
  • Pre-notification period compliance
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-direct-debit-initiation-pain008

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