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ABBL Payments XML Customer Credit Transfer Initiation message ISO 20022 XML v2.4

Published on 01 January 2022

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Executive summary

The “XML Customer Credit Transfer Initiation – Implementation Guidelines (ISO 20022, pain.001.001.03)” technical implementation guidelines, published by the ABBL in 2013 (Version 2.4), provide detailed specifications for initiating SEPA and non-SEPA credit transfers. The document defines message structures, data elements, usage rules, and practical XML examples to ensure consistent, secure, and interoperable payment processing in Luxembourg’s banking sector.

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