Rule reference · SEPA Credit Transfer scheme rules · Names

SEPA-SCT-NAME-005: Creditor name is missing

SEPA makes the creditor and the creditor name mandatory (both are 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/CdtTrfTxInf/Cdtr/Nm
Source	EPC132-08 2025 Version 1.0, section 2.1.1, items 2.116 and 2.117 · Standards and sources
Rule pack	sepa.sct.pain001.v09 v2, effective 2025-10-05

Why it matters

The beneficiary name is a scheme attribute (AT-E001); a payment without it is rejected.

How to fix it

Check the vendor master data and the creditor name mapping.

Example

Synthetic XML fragments.

Example that fails

<CdtTrfTxInf>
  <PmtId>…</PmtId>
  <Amt>…</Amt>
  <CdtrAgt>…</CdtrAgt>
  <Cdtr>
    <PstlAdr>…</PstlAdr>
  </Cdtr>
  <CdtrAcct>…</CdtrAcct>
  <RmtInf>…</RmtInf>
</CdtTrfTxInf>

Corrected

<CdtTrfTxInf>
  <PmtId>…</PmtId>
  <Amt>…</Amt>
  <CdtrAgt>…</CdtrAgt>
  <Cdtr>
    <Nm>Example Supplier Beta BV</Nm>
    <PstlAdr>…</PstlAdr>
  </Cdtr>
  <CdtrAcct>…</CdtrAcct>
  <RmtInf>…</RmtInf>
</CdtTrfTxInf>

Try it with a synthetic example

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

Creditor of the second transaction without Name. 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-004: Debtor name is missing

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