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SEPA Credit Transfer Pain.001.001.02

Nov 02, 2017 at 08:28 AM


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Former Member


In ByDesign I have two different SEPA formats that I can use:

1. SEPA Credit Transfer EPC - are using Pain.001.001.03

2. SEPA Credit Transfer - are using Pain.001.001.02

I would like to use 2. SEPA Credit Transfer because this format also include a reference number. But the bank reject the file because the file are missing grouping code (Grpg).

For SEPA payments it always have to be MIXD in the grouping code and I know the code has been removed in Pain.001.001.03.

But when I am using the SEPA Credit Transfer that are using Pain.001.001.02 in ByDesign, the grouping code <Grpg>MIXD</Grpg> should be in the file structure.

Are there anyone how knows why it's not in the file or how I can add the coding line in ByDesign?

Hope you can help.

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Former Member

Hi Rasmus,

can you please let me know for which country you try to create the payment format?

Thanks and best regards,


Former Member

Hi Sissi,

The company is located in Finland.

Best regards,


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1 Answer

Ayushi Shrivastava
Feb 05 at 11:34 AM

Hi Rasmus,

The SEPA Credit Transfer uses the Pain.001.001.02 XML structure and is missing the Grouping code <Grpg>MIXD </Grpg>.
Grouping code is standard code for Pain.001.001.02 XML structure and DanskeBank in Finland has also set that as a mandatory field.

ByDesign produces SEPA/ISO20022/SEPA EPC files in pain.001.001.03 (xsi:schemaLocation= "urn:iso:std:iso:20022:tech:xsd:pain.001.001.03”).
For Germany it’s a different thing altogether – here we have pain.001.002.03

In this case however – we have a Finish house-bank. Finland is not localized. Apparently for non-localized EU-Countries the SEPA version is indeed: pain.001.001.02 ("urn:iso:std:iso:20022:tech:xsd:pain.001.001.02")

Pain.001.001.02 - Grpg with type Grouping1Code
Pain.001.001.03 - Grpg is removed. Allowing MIXED files only did not add much value to this element any longer. 4

Accordingly, either pain.001.001.03 should be pulled as the format OR the format must be Pain.001.001.02 – BUT then including the stipulated content which is "/*<Grpg>MIXD </Grpg>*/".

A software correction was delivered in order to meet the requirements. Now, the addition of tag<GRPG> with value ‘MIXD’ for Finland SEPA Credit Transfer’s has been completed.

Let me know if this clarifies.

Best Regards,


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