# ISO 20022 pain.001 Customer Credit Transfer Initiation Parser
> Corporate treasury and ERP payment initiation parser converting pain.001 XML files into structured JSON.

- **Canonical URL:** https://stanzaapi.com/tools/iso20022-parser/messages/pain-001-customer-credit-transfer
- **Governing Standard:** ISO 20022 XML Financial Schemas (ISO 20022 Universal Financial Industry Message Scheme)
- **Latency:** <3ms Edge
- **Privacy:** In-memory execution only (zero data stored or logged)

## Technical Overview & Governing Rules
The pain.001 (Customer Credit Transfer Initiation) message is used by corporations and SMEs to instruct their banks to execute single payments or payroll batches.

Extracts Payment Information (PmtInf) blocks with requested execution date (ReqdExctnDt), payment method, and charge bearer.

## Specification Matrix
| XML Path | Description | Extracted JSON Field | Standard |
| --- | --- | --- | --- |
| CstmrCdtTrfInitn/GrpHdr/CtrlSum | Control Sum Total | controlSum | Monetary batch total |
| PmtInf/ReqdExctnDt/Dt | Requested Execution Date | executionDate | ISO Date YYYY-MM-DD |
| PmtInf/CdtTrfTxInf/Amt/InstdAmt | Instructed Amount | amount | Currency + Value |

## Standard JSON Response Model
```json
{
  "messageType": "pain.001.001.09",
  "debtor": {
    "name": "CORP HOLDINGS LTD",
    "iban": "GB29NWBK60161331926819"
  },
  "batchTotal": {
    "currency": "GBP",
    "value": 45000,
    "transactionCount": 12
  },
  "executionDate": "2026-09-01"
}
```

## Frequently Asked Questions & Edge Cases
### Q: Are SEPA-compliant pain.001 formats supported?
**A:** Yes, EPC SEPA pain.001.001.03 and .09 formats with structured creditor references (ISO 11649 RF Creditor Reference) are fully supported.