Rule reference · SEPA Credit Transfer scheme rules · Identifiers

SEPA-SCT-ID-007: Transaction party with more than one Other identification

The creditor, the ultimate creditor or the ultimate debtor of a transaction is identified with more than one 'Other' occurrence. SEPA allows at most one in an organisation or a private identification; ISO 20022 allows several.

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/CdtTrfTxInf/UltmtDbtr/Id/OrgId/Othr /Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf/UltmtDbtr/Id/PrvtId/Othr /Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf/Cdtr/Id/OrgId/Othr /Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf/Cdtr/Id/PrvtId/Othr /Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf/UltmtCdtr/Id/OrgId/Othr /Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf/UltmtCdtr/Id/PrvtId/Othr
Source	EPC132-08 2025 Version 1.0, section 2.1.1, items 2.104, 2.105, 2.136, 2.137, 2.152 and 2.153 · Standards and sources
Rule pack	sepa.sct.pain001.v09 v5, effective 2025-10-05

Why it matters

Additional identifications are outside the SEPA rules and may lead to rejection.

How to fix it

Check the vendor master data mapping; send one 'Other' identification per party.

Example

Synthetic XML fragments.

Example that fails

<OrgId>
  <Othr>…</Othr>
  <Othr>
    <Id>SYNTHETIC-REG-2</Id>
  </Othr>
</OrgId>

Corrected

<OrgId>
  <Othr>…</Othr>
</OrgId>

Try it with a synthetic example

These files are synthetic test data from BankLint's test corpus. Download one, or validate it directly.

Creditor organisation identification with two 'Other' identifications: SEPA allows one (item 2.136). FAIL · Download · Validate it

Explained in

SEPA Credit Transfer rules for pain.001.001.09

SEPA-SCT-ID-001: Message or payment information ID violates SEPA character rules
SEPA-SCT-ID-002: Transaction reference violates SEPA character rules
SEPA-SCT-ID-003: Payment information identification used twice
SEPA-SCT-ID-004: Message or payment information ID is blank
SEPA-SCT-ID-005: Transaction reference is blank
SEPA-SCT-ID-006: Debtor-side party with more than one Other identification

Questions

What does SEPA-SCT-ID-007 check?

How do I fix “Transaction party with more than one Other identification”?

Check the vendor master data mapping; send one 'Other' identification per party.

Is this a SEPA requirement?

Yes. It comes from the EPC SEPA Credit Transfer customer-to-PSP implementation guidelines (EPC132-08 2025 Version 1.0, section 2.1.1, items 2.104, 2.105, 2.136, 2.137, 2.152 and 2.153).

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