Rule reference · SEPA Credit Transfer scheme rules · Names

SEPA-SCT-NAME-004: Debtor name is missing

SEPA makes the debtor (originator) name mandatory (it is optional in ISO 20022).

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/Dbtr/Nm
Source	EPC132-08 2025 Version 1.0, section 2.1.1, item 2.22 · Standards and sources
Rule pack	sepa.sct.pain001.v09 v2, effective 2025-10-05

Why it matters

The originator name is a scheme attribute (AT-P001); a payment without it is rejected.

How to fix it

Check the company name mapping in the payment-generation configuration.

Example

Synthetic XML fragments.

Example that fails

<PmtInf>
  …
  <ReqdExctnDt>…</ReqdExctnDt>
  <Dbtr>
    <PstlAdr>…</PstlAdr>
  </Dbtr>
  <DbtrAcct>…</DbtrAcct>
  <DbtrAgt>…</DbtrAgt>
  <ChrgBr>SLEV</ChrgBr>
  <CdtTrfTxInf>…</CdtTrfTxInf>
  <CdtTrfTxInf>…</CdtTrfTxInf>
  <CdtTrfTxInf>…</CdtTrfTxInf>
  <CdtTrfTxInf>…</CdtTrfTxInf>
</PmtInf>

Corrected

<PmtInf>
  …
  <ReqdExctnDt>…</ReqdExctnDt>
  <Dbtr>
    <Nm>Synthetic Corp Example AG</Nm>
    <PstlAdr>…</PstlAdr>
  </Dbtr>
  <DbtrAcct>…</DbtrAcct>
  <DbtrAgt>…</DbtrAgt>
  <ChrgBr>SLEV</ChrgBr>
  <CdtTrfTxInf>…</CdtTrfTxInf>
  <CdtTrfTxInf>…</CdtTrfTxInf>
  …
</PmtInf>

Try it with a synthetic example

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

Debtor without Name (mandatory in SEPA, optional in ISO 20022). FAIL · Download · Validate it

Explained in

SEPA-SCT-NAME-001: Initiating party name longer than 70 characters
SEPA-SCT-NAME-002: Debtor name longer than 70 characters
SEPA-SCT-NAME-003: Creditor-side name longer than 70 characters
SEPA-SCT-NAME-005: Creditor name is missing

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