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ISO 20022 accounts receivable

Accounts receivable processes use ISO 20022 pain.008.001.02 and pain.002.001.02 messages according to the CGI (Common Global Implementation).

Important: The information contained on this page may be subject to change and do not take into account the type or configuration of your QuickStream facility.

QuickStream consumes and produces these files:

  • Transmit a pain.008.001.02 payment import file to QuickStream to send Australian and New Zealand domestic payments.
  • QuickStream responds with two levels of pain.002.001.02 remittance messages. (Level 1 ACK and Level 3 response)

File validation

ISO pain.008.001.02 files are validated according to the XML schema on ISO 20022 Payments messages. QuickStream performs additional validation to ensure your facility is able to send the payments in the file.

pain.008.001.02

The structure of a Payment Initiation pain.008.001.02 payment import file is:

pain.008.001.02 message structure diagram.

  • One block at the 'Group Level'
    • One 'Message Identification'
    • One 'Sum and Totals'
    • One 'Initiating Party'
  • One block at the 'Payment ID Level'
    • One 'Payment Methods and Types'
    • One 'Originating Account' - Creditor details
  • One or more blocks at the 'Transaction Level'
    • One 'Counterparty Details' - Debtor details
    • One payment record

Important: Please refer to the v2 XSD for specific validation rules https://www.iso20022.org/message_archive.page#PaymentsInitiation3.

Group level

Lev ISO XML element Message item Req Len Format Example, description or element name
1 <Document> M(andatory)
2 <CstmrDrctDbtInitn> Customer Direct Debit Initiation M <CstmrDrctDbtInitn>
3 <GrpHdr> Group Header M <GrpHdr>
4 <MsgId> Message Identification M 1-35 1000044716, must be unique
4 <CreDtTm> Creation Date Time M TZ format 2018-12-14T14:05:41
4 <NbOfTxs> Number Of Transactions M 1-15 Numeric 3
4 <CtrlSum> Control Sum M 1-18 Numeric 30865.64
4 <InitgPty> Initiating Party M <InitgPty>
5 <Nm> Name M 1-140 ABC Corporation

Example group level XML

...
    <CstmrDrctDbtInitn>
        <GrpHdr>
          <MsgId>1001853830</MsgId>
          <CreDtTm>2016-03-07T15:14:39</CreDtTm>
          <NbOfTxs>2</NbOfTxs>
          <CtrlSum>1590.78</CtrlSum>
          <InitgPty>
            <Nm>Company ABC</Nm>
          </InitgPty>
        </GrpHdr>
        ...
    </CstmrDrctDbtInitn>
...

Payment ID level

Lev ISO XML element Message item Req Len Format Example, description or element name
2 <PmtInf> PaymentInformation M <PmtInf>
3 <PmtInfId> PaymentInformationIdentification M 100853830 should be unique.
3 <PmtMtd> PaymentMethod M DD Always DD.
3 <NbOfTxs> NumberOfTransactions M 1-15 Numeric Total number of transactions within a Payment Information batch.
3 <CtrlSum> ControlSum O(ptional) 1-18 Amount, including cents, Optional to include.
3 <PmtTpInf> PaymentTypeInformation M <PmtTpInf>
4 <InstrPrty> InstructionPriority O NORM NORM - all processed as normal priority.
4 <LclInstrm> LocalInstrument O <LclInstrm> - include these elements to specify the type of account.
5 <Prtry> Proprietary O List of codes Use ACCT for bank account payments, CARD for card payments, PREREG-CARD for tokenised card payments and PREREG-ACCT for tokenised bank account payments.
3 <ReqdColltnDt> RequestedCollectionDate M 10 yyyy-MM-dd The date that the payments in the batch will be sent for processing.
3 <Cdtr> Creditor M <Cdtr>
4 <Nm> Name M 1-140 Name of submitting customer, not used in validation.
3 <CdtrAcct> Creditor Account M <CdtrAcct> - this branch contains the recipient account number.
4 <Id> M <Id>
5 <Othr> M <Othr>
6 <Id> M 1-35 The account number
3 <CdtrAgt> Creditor Agent M <CdtrAgt> - this branch contains the funding account BSB.
4 <FinInstnId> M <FinInstnId>
5 <ClrSysMmbId> M <ClrSysMmbId>
6 <ClrSysId> M <ClrSysId>
6 <MmbId> M 1-35 BSB or NZ bank and branch code The funding BSB, e.g. 032000 or bank code + branch code for New Zealand.

Example payment ID level XML

...
    <PmtInf>
          <PmtInfId>1001853830</PmtInfId>
          <PmtMtd>DD</PmtMtd>
          <NbOfTxs>2</NbOfTxs>
          <CtrlSum>1590.78</CtrlSum>
          <PmtTpInf>
            <InstrPrty>NORM</InstrPrty>
            <LclInstrm>
              <Prtry>PREREG-CARD</Prtry>
            </LclInstrm>
          </PmtTpInf>
          <ReqdColltnDt>2020-03-07</ReqdColltnDt>
          <Cdtr>
            <Nm>Company ABC</Nm>
          </Cdtr>
          <CdtrAcct>
            <Id>
              <Othr>
                <Id>999994</Id>
              </Othr>
            </Id>
            <Ccy>AUD</Ccy>
          </CdtrAcct>
          <CdtrAgt>
            <FinInstnId>
              <ClrSysMmbId>
                <ClrSysId>
                  <Cd>AUBSB</Cd>
                </ClrSysId>
                <MmbId>032999</MmbId>
              </ClrSysMmbId>
            </FinInstnId>
          </CdtrAgt>
          ...
    </PmtInf>
...

Transaction level

Lev ISO XML element Message item Req Len Format Example, description or element name
2 <DrctDbtTxInf> M <DrctDbtTxInf>
3 <PmtId> M <PmtId>
4 <InstrId> O 1-35 Appears in pain.002.001.02 and on screens in QuickStream but is not passed through to the recipient with the payment.
4 <EndToEndId> M 1-35 Payment Reference. This value is sent with payment from debtor to creditor as it travels through the clearing system. Up to 18 characters for Australian payments, and up to 12 characters for New Zealand payments.
3 <InstdAmt Ccy="AAA"> M 1-18 Amount, currency specified, Payment amount.
3 <DbtrAgt> O <DbtrAgt> - populate Debtor Agent for BSB details of payment account.
4 <FinInstnId> O <FinInstnId>
5 <ClrSysMmbId> O <ClrSysMmbId> - the BSB or bank code, branch code value. See Specifying the debit account.
6 <ClrSysId> O <ClrSysId>
7 <Cd> O List of codes AUBSB
7 <Prtry> O 1-35
6 <MmbId> O 1-35
5 <Nm> O
5 <PstlAdr> O <PstlAdr>
5 <BrnchId> O
6 <Id> O The BSB or bank code, branch code value. See Specifying the debit account.
3 <Dbtr> O <Dbtr>
4 <Nm> O 1-140
3 <DbtrAcct> O <DbtrAcct> - include the payment account (or account token). See Specifying the debit account.
4 <Id> O <Id>
5 <Othr> O <Othr>
6 <Id> O 1-34 The account number for bank accounts, card number or a valid account token for tokenised account payments.
6 <SchmeNm> O <SchmeNm>
7 <Prtry> O 1-35 The card expiry for card payments in format mm-yyyy.
5 <Nm> M 1-70 Account or cardholder name

Example transaction level XML

...
    <DrctDbtTxInf>
        <PmtId>
          <InstrId>76</InstrId>
          <EndToEndId>176</EndToEndId>
        </PmtId>
        <InstdAmt Ccy="AUD">1.75</InstdAmt>
        <DbtrAgt>
          <FinInstnId>
            <ClrSysMmbId>
              <MmbId>484799</MmbId>   
            </ClrSysMmbId>
          </FinInstnId>
        </DbtrAgt>
        <Dbtr>
          <Nm>Telina and Ashley</Nm>
        </Dbtr>
        <DbtrAcct>
          <Id>
            <Othr>
              <Id>999994</Id>
            </Othr>
          </Id>
        </DbtrAcct>
    </DrctDbtTxInf>
...

Specifying the debit account

First, specify at the Payment Information level the type of payment that is being processed by populating the value in the <PmtInf><LclInstrm><Prtry> field, valid values include:

  • CARD - Card.
  • ACCT - Bank account.
  • PREREG-CARD - Account token for a tokenised card.
  • PREREG-ACCT - Account token for a tokenised bank account.

Mappings for AU and NZ bank accounts:

  • Australian BSB or New Zealand Bank Code and Branch Code: <DbtrAgt>\<FinInstnId>\<BrnchId>\<Id>.
  • NZ bank and branch code can be presented with 03-0123 or without a dash 030123.
  • Account Number: <DbtrAcct>\<Id>\<Other>\<Id>.

Mappings for cards:

  • Card Number: <DbtrAcct>\<Id>\<Other>\<Id>.
  • Card Expiry: <DbtrAcct>\<Id>\<Other>\<SchmeNm>\<Prtry> (format mm-yyyy).

Mappings for card or account tokens:

  • <DbtrAgt>\<FinInstnId>\<BrnchId>\<Id> = PREREG-CARD or PREREG-ACCT.
  • For account tokens, include the token value in the same field as for account number, eg: <DbtrAcct>\<Id>\<Other>\<Id>.

Sample files

See these pain.008.001.02 payment import files:

Card payment

Card payment example

<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.008.001.02" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
    <CstmrDrctDbtInitn>
        <GrpHdr>
            <MsgId>1001853830</MsgId>
            <CreDtTm>2016-03-07T15:14:39</CreDtTm>
            <NbOfTxs>1</NbOfTxs>
            <CtrlSum>1545.78</CtrlSum>
            <InitgPty>
                <Nm>Company ABC</Nm>
            </InitgPty>
        </GrpHdr>
        <PmtInf>
            <PmtInfId>1001853830</PmtInfId>
            <PmtMtd>DD</PmtMtd>
            <NbOfTxs>1</NbOfTxs>
            <CtrlSum>1545.78</CtrlSum>
            <PmtTpInf>
                <InstrPrty>NORM</InstrPrty>
                <LclInstrm>
                    <Prtry>CARD</Prtry>
                </LclInstrm>
            </PmtTpInf>
            <ReqdColltnDt>2019-08-05</ReqdColltnDt>
            <Cdtr>
                <Nm>Company ABC</Nm>
            </Cdtr>
            <CdtrAcct>
                <Id>
                    <Othr>
                        <Id>999994</Id>
                    </Othr>
                </Id>
                <Ccy>AUD</Ccy>
            </CdtrAcct>
            <CdtrAgt>
                <FinInstnId>
                    <ClrSysMmbId>
                        <ClrSysId>
                            <Cd>AUBSB</Cd>
                        </ClrSysId>
                        <MmbId>032999</MmbId>
                    </ClrSysMmbId>
                </FinInstnId>
            </CdtrAgt>
            <DrctDbtTxInf>
                <PmtId>
                    <InstrId>1234567890</InstrId>
                    <EndToEndId>9876543210</EndToEndId>
                </PmtId>
                <InstdAmt Ccy="AUD">1545.78</InstdAmt>
                <DbtrAgt>
                    <FinInstnId>
                        <ClrSysMmbId>
                            <MmbId>CARD</MmbId>
                        </ClrSysMmbId>
                        <PstlAdr>
                            <Ctry>AU</Ctry>
                        </PstlAdr>
                    </FinInstnId>
                </DbtrAgt>
                <Dbtr>
                    <Nm>Chris</Nm>
                </Dbtr>
                <DbtrAcct>
                    <Id>
                        <Othr>
                            <Id>4444333322221111</Id>
                            <SchmeNm>
                                <Prtry>04-2020</Prtry>
                            </SchmeNm>
                        </Othr>
                    </Id>
                </DbtrAcct>
            </DrctDbtTxInf>
        </PmtInf>
    </CstmrDrctDbtInitn>
</Document>
Tokenised card payment

Tokenised card payment example

<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.008.001.02" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <CstmrDrctDbtInitn>
    <GrpHdr>
      <MsgId>1001853830</MsgId>
      <CreDtTm>2016-03-07T15:14:39</CreDtTm>
      <NbOfTxs>2</NbOfTxs>
      <CtrlSum>1590.78</CtrlSum>
      <InitgPty>
        <Nm>Company ABC</Nm>
      </InitgPty>
    </GrpHdr>
    <PmtInf>
      <PmtInfId>1001853830</PmtInfId>
      <PmtMtd>DD</PmtMtd>
      <NbOfTxs>2</NbOfTxs>
      <CtrlSum>1590.78</CtrlSum>
      <PmtTpInf>
        <InstrPrty>NORM</InstrPrty>
        <LclInstrm>
          <Prtry>PREREG-CARD</Prtry>
        </LclInstrm>
      </PmtTpInf>
      <ReqdColltnDt>2016-03-07</ReqdColltnDt>
      <Cdtr>
        <Nm>Company ABC</Nm>
      </Cdtr>
      <CdtrAcct>
        <Id>
          <Othr>
            <Id>999994</Id>
          </Othr>
        </Id>
        <Ccy>AUD</Ccy>
      </CdtrAcct>
      <CdtrAgt>
        <FinInstnId>
          <ClrSysMmbId>
            <ClrSysId>
              <Cd>AUBSB</Cd>
            </ClrSysId>
            <MmbId>032999</MmbId>
          </ClrSysMmbId>
        </FinInstnId>
      </CdtrAgt>
      <DrctDbtTxInf>
        <PmtId>
          <InstrId>1234567890</InstrId>
          <EndToEndId>9876543210</EndToEndId>
        </PmtId>
        <InstdAmt Ccy="AUD">1545.78</InstdAmt>
        <DbtrAgt>
          <FinInstnId>
            <ClrSysMmbId>
              <MmbId>PREREG-CARD</MmbId>
            </ClrSysMmbId>
          </FinInstnId>
        </DbtrAgt>
        <Dbtr>
          <Nm>Chris</Nm>
        </Dbtr>
        <DbtrAcct>
          <Id>
            <Othr>
              <Id>ABC5932401</Id>
            </Othr>
          </Id>
        </DbtrAcct>
      </DrctDbtTxInf>
      <DrctDbtTxInf>
        <PmtId>
          <InstrId>1234567891</InstrId>
          <EndToEndId>9876543211</EndToEndId>
        </PmtId>
        <InstdAmt Ccy="AUD">45.00</InstdAmt>
        <DbtrAgt>
          <FinInstnId>
            <ClrSysMmbId>
              <MmbId>PREREG-CARD</MmbId>
            </ClrSysMmbId>
          </FinInstnId>
        </DbtrAgt>
        <Dbtr>
          <Nm>Sean</Nm>
        </Dbtr>
        <DbtrAcct>
          <Id>
            <Othr>
              <Id>ABC5932402</Id>
            </Othr>
          </Id>
        </DbtrAcct>
      </DrctDbtTxInf>  
    </PmtInf>
  </CstmrDrctDbtInitn>
</Document>
Australian bank account payment

Australian bank account payment example

<?xml version="1.0"?>
<Document
  xmlns:xsd="http://www.w3.org/2001/XMLSchema"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
  xmlns="urn:iso:std:iso:20022:tech:xsd:pain.008.001.02">
  <CstmrDrctDbtInitn>
    <GrpHdr>
      <MsgId>18</MsgId>
      <CreDtTm>2016-06-14T17:33:04.3484526+10:00</CreDtTm>
      <NbOfTxs>2</NbOfTxs>
      <CtrlSum>4.25</CtrlSum>
      <InitgPty>
        <Nm>Company ABC</Nm> 
      </InitgPty>
    </GrpHdr>
    <PmtInf>
      <PmtInfId>18</PmtInfId>
      <PmtMtd>DD</PmtMtd>
      <NbOfTxs>2</NbOfTxs>
      <PmtTpInf>
        <InstrPrty>NORM</InstrPrty>
        <LclInstrm>
          <Prtry>ACCT</Prtry>
        </LclInstrm>
      </PmtTpInf>
      <ReqdColltnDt>2016-06-14</ReqdColltnDt>
      <Cdtr>
        <Nm>Company ABC</Nm>
      </Cdtr>
      <CdtrAcct>
        <Id>
          <Othr>
            <Id>999994</Id>
          </Othr>
        </Id>
        <Ccy>AUD</Ccy>
      </CdtrAcct>
      <CdtrAgt>
        <FinInstnId>
          <ClrSysMmbId>
            <MmbId>034080</MmbId>
          </ClrSysMmbId>
        </FinInstnId>
      </CdtrAgt>
      <DrctDbtTxInf>
        <PmtId>
          <InstrId>76</InstrId>
          <EndToEndId>76</EndToEndId>
        </PmtId>
        <InstdAmt Ccy="AUD">1.75</InstdAmt>
        <DbtrAgt>
          <FinInstnId>
            <ClrSysMmbId>
              <MmbId>484799</MmbId>
            </ClrSysMmbId>
          </FinInstnId>
        </DbtrAgt>
        <Dbtr>
          <Nm>Telina and Ashley</Nm>
        </Dbtr>
        <DbtrAcct>
          <Id>
            <Othr>
              <Id>360499999</Id>
            </Othr>
          </Id>
        </DbtrAcct>
      </DrctDbtTxInf>
      <DrctDbtTxInf>
        <PmtId>
          <InstrId>77</InstrId>
          <EndToEndId>77</EndToEndId>
        </PmtId>
        <InstdAmt Ccy="AUD">2.50</InstdAmt>
        <DbtrAgt>
          <FinInstnId>
            <ClrSysMmbId>
              <MmbId>734080</MmbId>
            </ClrSysMmbId>
          </FinInstnId>
        </DbtrAgt>
        <Dbtr>
          <Nm>Peter N</Nm>
        </Dbtr>
        <DbtrAcct>
          <Id>
            <Othr>
              <Id>769999</Id>
            </Othr>
          </Id>
        </DbtrAcct>
      </DrctDbtTxInf>
    </PmtInf>
  </CstmrDrctDbtInitn>
</Document>
Tokenised bank account payment

Tokenised bank account payment example

<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.008.001.02" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <CstmrDrctDbtInitn>
    <GrpHdr>
      <MsgId>1001853830</MsgId>
      <CreDtTm>2016-03-07T15:14:39</CreDtTm>
      <NbOfTxs>2</NbOfTxs>
      <CtrlSum>1590.78</CtrlSum>
      <InitgPty>
        <Nm>Company ABC</Nm>
      </InitgPty>
    </GrpHdr>
    <PmtInf>
      <PmtInfId>1001853830</PmtInfId>
      <PmtMtd>DD</PmtMtd>
      <NbOfTxs>2</NbOfTxs>
      <CtrlSum>1590.78</CtrlSum>
      <PmtTpInf>
        <InstrPrty>NORM</InstrPrty>
        <LclInstrm>
          <Prtry>PREREG-ACCT</Prtry>
        </LclInstrm>
      </PmtTpInf>
      <ReqdColltnDt>2016-03-07</ReqdColltnDt>
      <Cdtr>
        <Nm>Company ABC</Nm>
      </Cdtr>
      <CdtrAcct>
        <Id>
          <Othr>
            <Id>999994</Id>
          </Othr>
        </Id>
        <Ccy>AUD</Ccy>
      </CdtrAcct>
      <CdtrAgt>
        <FinInstnId>
          <ClrSysMmbId>
            <ClrSysId>
              <Cd>AUBSB</Cd>
            </ClrSysId>
            <MmbId>032999</MmbId>
          </ClrSysMmbId>
        </FinInstnId>
      </CdtrAgt>
      <DrctDbtTxInf>
        <PmtId>
          <InstrId>1234567890</InstrId>
          <EndToEndId>9876543210</EndToEndId>
        </PmtId>
        <InstdAmt Ccy="AUD">1545.78</InstdAmt>
        <DbtrAgt>
          <FinInstnId>
            <ClrSysMmbId>
              <MmbId>PREREG-ACCT</MmbId>
            </ClrSysMmbId>
          </FinInstnId>
        </DbtrAgt>
        <Dbtr>
          <Nm>Chris</Nm>
        </Dbtr>
        <DbtrAcct>
          <Id>
            <Othr>
              <Id>ABC5932401</Id>
            </Othr>
          </Id>
        </DbtrAcct>
      </DrctDbtTxInf>
      <DrctDbtTxInf>
        <PmtId>
          <InstrId>1234567891</InstrId>
          <EndToEndId>9876543211</EndToEndId>
        </PmtId>
        <InstdAmt Ccy="AUD">45.00</InstdAmt>
        <DbtrAgt>
          <FinInstnId>
            <ClrSysMmbId>
              <MmbId>PREREG-ACCT</MmbId>
            </ClrSysMmbId>
          </FinInstnId>
        </DbtrAgt>
        <Dbtr>
          <Nm>Sean</Nm>
        </Dbtr>
        <DbtrAcct>
          <Id>
            <Othr>
              <Id>ABC5932402</Id>
            </Othr>
          </Id>
        </DbtrAcct>
      </DrctDbtTxInf>  
    </PmtInf>
  </CstmrDrctDbtInitn>
</Document>
New Zealand bank account payment

New Zealand bank account payments excerpt

...
<DrctDbtTxInf>
    <PmtId>
        <InstrId>000000001468</InstrId>
        <EndToEndId>001213241</EndToEndId>
    </PmtId>
    <InstdAmt Ccy="NZD">3000.00</InstdAmt>
    <DbtrAgt>
        <BrnchId>
            <Id>02-0404</Id>
        </BrnchId>
    </DbtrAgt>
    <Dbtr>
        <Nm>COMPANY INCORPORATED</Nm>
    </Dbtr>
    <DbtrAcct>
        <Id>
            <Othr>
                <Id>921299204</Id>
            </Othr>
        </Id>
    </DbtrAcct>
</DrctDbtTxInf>
...

pain.002.001.002

QuickStream responds to a pain.008.001.02 with two levels of pain.002.001.02 messages.

  • An immediate response at the "Group level" once the file is validated
  • A response once the transactions are processed and their status is known.

The levels are explained below.

pain.002.001.002 levels diagram.

Level 1 - File acknowledgement

An immediate response at the file level. Note that after this point a file may be split into many payment batches.

  • If successful: QuickStream accepts the file for processing.
  • If not successful: You will need to look at the error inside the response, then fix and re-submit the entire file.

Level 3 - Payment result

A response after the banking network processed the transactions and the remote bank reported their status.

  • If successful: The remote bank accepted the individual payment. Note: this does not necessarily mean that the funds are settled at this point.
  • If not successful: Inspect the error for each individual failed transaction and re-try that payment.

Specification

A response file will be produced for each input file provided into QuickStream. Additional remittance files may be produced to update payments which have been subsequently declined by other financial institutions.

Lev ISO element Description Example, element name where no value
2 <pain.002.001.02> <pain.002.001.02>
3 <GrpHdr> Group Header
4 <MsgId> MessageIdentification BBBB/120928-PSR/001
4 <CreDtTm> CreationDateTime 2018-09-28T14:09:00
4 <InitgPty> InitiatingParty
5 <Nm> Name ABC Corporation
5 <PstlAdr> PostalAddress
6 <StrtNm> StreetName Times Square
6 <BldgNb> BuildingNumber 7
6 <PstCd> PostCode NY 10036
6 <TwnNm> TownName New York
6 <Ctry> Country US
3 <DbtrAgt> DebtorAgent
4 <FinInstnId> FinancialInstitutionIdentification
4 <BICFI> BICFI BBBBUS33
3 <OrgnlGrpInfAndSts> OriginalGroupInformationAndStatus
3 <OrgnlMsgId> OriginalMessageIdentification ABC/120928/CCT001
4 <OrgnlMsgNmId> OriginalMessageNameIdentification pain.008.001.02
4 <OrgnlCreDtTm> OriginalCreationDateTime 2018-09-28T14:07:00
4 <OrgnlNbOfTxs> OriginalNumberOfTransactions 3
4 <OrgnlCtrlSm> OriginalControlSum 1.1500.000
4 <GrpsSts> GroupStatus ACCP

Sample file

<Document 
    xmlns="urn:iso:std:iso:20022:tech:xsd:pain.002.001.02" 
    xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <pain.002.001.02>
    <GrpHdr>
      <MsgId>8533133934</MsgId>
      <CreDtTm>2018-12-14T15:01:53</CreDtTm>
      <InitgPty>
        <Nm>TEST RECEIVER</Nm>
      </InitgPty>
    </GrpHdr>
    <OrgnlGrpInfAndSts>
      <OrgnlMsgId>1002279829</OrgnlMsgId>
      <OrgnlMsgNmId>pain.008.001.02</OrgnlMsgNmId>
      <OrgnlCreDtTm>2018-12-14T14:20:19</OrgnlCreDtTm>
      <OrgnlNbOfTxs>1</OrgnlNbOfTxs>
      <OrgnlCtrlSum>728.95</OrgnlCtrlSum>
    </OrgnlGrpInfAndSts>
    <OrgnlPmtInfAndSts>
      <OrgnlPmtInfId>1002279930</OrgnlPmtInfId>
      <PmtInfSts>ACSP</PmtInfSts>
      <TxInfAndSts>
        <StsId>2325063353</StsId>
        <OrgnlInstrId>01-200000010004702019</OrgnlInstrId>
        <OrgnlEndToEndId>0001000470</OrgnlEndToEndId>
        <TxSts>ACSP</TxSts>
      </TxInfAndSts>
    </OrgnlPmtInfAndSts>
  </pain.002.001.02>
</Document>
Disclaimer

The information contained in this publication is provided for learning purposes only and is subject to change. Revisions may be issued from time to time that encompass changes or additions to this module.

This is a guide only and it is not comprehensive. It does not impinge on or overrule any formal arrangement you may enter into with the Bank. The Bank and its officers shall not have any liability for any losses of any kind incurred in connection with any action, inaction or decision taken in reliance on the information herein or for any inaccuracies, errors or omissions. In this publication references to the "Bank" are to Westpac Banking Corporation ABN 33 007 457 141 and to any of its operating Divisions, including BankSA and St.George.