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SEPA Credit Transfer Pain.001.001.02


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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1 Answer

  • Feb 05, 2018 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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