Rule reference · SEPA Credit Transfer scheme rules · Payment method
SEPA-SCT-PMTMTD-001: Payment method must be TRF
SEPA credit transfers allow only the payment method code TRF (credit transfer).
| 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/PmtMtd |
| Source | EPC132-08 2025 Version 1.0, section 2.1.1, item 2.2 |
| Rule pack | sepa.sct.pain001.v09 v1, effective 2025-10-05 |
Why it matters
A payment information block with another payment method is not a SEPA credit transfer and is likely to be rejected.
How to fix it
Check the payment method mapping in the payment-generation configuration.
Try it with a synthetic example
These files are synthetic test data from BankLint's test corpus. Download one, or validate it directly.
- PmtMtd CHK (XSD-valid) is not allowed for SEPA SCT. FAIL · Download · Validate it
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