Rule reference · SEPA Credit Transfer scheme rules · Charge bearer
SEPA-SCT-CHRGBR-002: Charge bearer recommended at payment information level
The guidelines recommend specifying the charge bearer at payment information level rather than per transaction.
| Severity | INFO Info: recommendation only |
|---|---|
| Status | Recommendation, or depends on your agreement with the bank |
| Applies to | pain.001.001.09, SEPA Credit Transfer |
| Elements checked | /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 |
How to fix it
Move ChrgBr to the payment information level.
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 SLEV on transactions instead of payment information: advisory INFO only. PASS · Download · Validate it
Related rules: Charge bearer
- SEPA-SCT-CHRGBR-001: Charge bearer must be SLEV
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