Rule reference · SEPA Credit Transfer scheme rules · Charge bearer
SEPA-SCT-CHRGBR-001: Charge bearer must be SLEV
When the charge bearer is given for a SEPA credit transfer, only SLEV (following service level) is allowed.
| Severity | BLOCKER Blocker: the run fails |
|---|---|
| Status | Requirement of the guidelines |
| Applies to | pain.001.001.09, SEPA Credit Transfer |
| Elements checked | /Document/CstmrCdtTrfInitn/PmtInf/ChrgBr /Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf/ChrgBr |
| Source | EPC132-08 2025 Version 1.0, section 2.1.1, items 2.75 and 2.98 |
| Rule pack | sepa.sct.pain001.v09 v1, effective 2025-10-05 |
Why it matters
Other charge bearer codes (for example SHAR, DEBT, CRED) are not valid for SEPA credit transfers.
How to fix it
Set the charge bearer to SLEV in the payment method configuration.
Try it with a synthetic example
These files are synthetic test data from BankLint's test corpus. Download one, or validate it directly.
- Charge bearer SHAR. FAIL · Download · Validate it
Related rules: Charge bearer
- SEPA-SCT-CHRGBR-002: Charge bearer recommended at payment information level
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