pacs.003.001.
11 – JSON Message
Documentation
1. Overview
The pacs.003.001.11 message is an ISO 20022 standard for financial institution-to-financial
institution credit transfers. It is typically used for interbank payments.
This document provides a breakdown of the JSON message structure, field descriptions, and an
example.
2. JSON Message Structure
The pacs.003 JSON message consists of the following primary sections:
1. Document → Root element
2. FIToFICstmrCdtTrf → Main container for the credit transfer details
○ GrpHdr (Group Header)
○ CdtTrfTxInf (Credit Transfer Transaction Information)
3. Field Descriptions
3.1 Group Header (GrpHdr)
This section provides information about the overall message.
Field Name Type Description
MsgId String Unique identifier for the message.
CreDtTm String (ISO 8601) Date and time when the message was
created.
NbOfTxs Integer Number of transactions in the message.
TtlIntrBkSttlmAmt Object Total settlement amount for all
transactions.
[Link] String Currency code (e.g., "USD").
y
[Link] Decimal Total amount to be settled.
lue
IntrBkSttlmDt String (YYYY-MM- Settlement date.
DD)
3.2 Credit Transfer Transaction Information (CdtTrfTxInf)
This section contains details of an individual credit transfer.
Field Name Type Description
PmtId Object Payment identification details.
[Link] String Instruction ID for the transaction.
[Link] String End-to-end transaction reference.
[Link] String Unique transaction identifier.
IntrBkSttlmAmt Object Settlement amount.
[Link] String Currency code (e.g., "USD").
[Link] Decimal Transaction amount.
ChrgBr String Charge bearer (e.g., "SHA" for
shared).
Dbtr Object Debtor (payer) details.
[Link] String Name of the debtor.
[Link] Object Debtor’s postal address.
[Link] String Street name.
[Link] String Postal code.
[Link] String Town name.
[Link] String Country code (ISO 3166).
DbtrAcct Object Debtor’s account details.
[Link] String IBAN of the debtor's account.
DbtrAgt Object Debtor’s bank (financial institution).
[Link] String BIC (Bank Identifier Code).
CFI
CdtrAgt Object Creditor’s bank.
[Link] String BIC of creditor’s bank.
CFI
Cdtr Object Creditor (recipient) details.
[Link] String Name of the creditor.
[Link] Object Creditor’s postal address.
[Link] String Street name.
[Link] String Postal code.
[Link] String Town name.
[Link] String Country code (ISO 3166).
CdtrAcct Object Creditor’s account details.
[Link] String IBAN of the creditor's account.
RmtInf Object Remittance information.
[Link] String Unstructured remittance details.
4. Sample JSON Message
{
"Document": {
"FIToFICstmrCdtTrf": {
"GrpHdr": {
"MsgId": "ABC123456789",
"CreDtTm": "2025-02-14T[Link]",
"NbOfTxs": 1,
"TtlIntrBkSttlmAmt": {
"Ccy": "USD",
"Value": 1000.00
},
"IntrBkSttlmDt": "2025-02-15"
},
"CdtTrfTxInf": {
"PmtId": {
"InstrId": "INSTR12345",
"EndToEndId": "E2E98765",
"TxId": "TX123456"
},
"IntrBkSttlmAmt": {
"Ccy": "USD",
"Value": 1000.00
},
"ChrgBr": "SHA",
"Dbtr": {
"Nm": "John Doe",
"PstlAdr": {
"StrtNm": "Main Street",
"PstCd": "12345",
"TwnNm": "New York",
"Ctry": "US"
}
},
"DbtrAcct": {
"Id": {
"IBAN": "US12345678901234567890"
}
},
"DbtrAgt": {
"FinInstnId": {
"BICFI": "BKUSUS33XXX"
}
},
"CdtrAgt": {
"FinInstnId": {
"BICFI": "BKGBGB22XXX"
}
},
"Cdtr": {
"Nm": "Jane Smith",
"PstlAdr": {
"StrtNm": "High Street",
"PstCd": "67890",
"TwnNm": "London",
"Ctry": "GB"
}
},
"CdtrAcct": {
"Id": {
"IBAN": "GB09876543210987654321"
}
},
"RmtInf": {
"Ustrd": "Invoice 98765"
}
}
}
}
}
5. Notes
● Currency Format: The settlement amount (IntrBkSttlmAmt) is represented as an
object with Ccy (currency) and Value (amount).
● BIC Codes: BICFI represents the Bank Identifier Code (SWIFT code) for financial
institutions.
● IBAN: Used for international transactions, ensuring correct account identification.
● Charge Bearer (ChrgBr): Determines who pays transaction fees (SHA = shared, OUR =
sender pays, BEN = beneficiary pays).
6. Conclusion
This document provides a structured explanation of the pacs.003.001.11 JSON message used
in interbank credit transfers.
