pain.004 — Clarification
Does pain.004 Exist in ISO 20022?
No — pain.004 is not a defined ISO 20022 message.
This is a common source of confusion for new learners. The ISO 20022 pain (Payment Initiation) message family skips directly from pain.002 to pain.007. There is no pain.003, pain.004, pain.005, or pain.006 in the standard set.
The pain.00x Message Family
| Message | Name | Status |
|---|---|---|
pain.001 | CustomerCreditTransferInitiation | ✅ Defined and widely used |
pain.002 | CustomerPaymentStatusReport | ✅ Defined and widely used |
pain.003 | — | ❌ Not defined |
pain.004 | — | ❌ Not defined |
pain.005 | — | ❌ Not defined |
pain.006 | — | ❌ Not defined |
pain.007 | CustomerPaymentReversal | ✅ Defined |
pain.008 | CustomerDirectDebitInitiation | ✅ Defined and widely used |
pain.009 | MandateInitiationRequest | ✅ Defined (direct debit mandates) |
pain.010 | MandateAmendmentRequest | ✅ Defined |
pain.011 | MandateCancellationRequest | ✅ Defined |
pain.012 | MandateAcceptanceReport | ✅ Defined |
pain.013 | CreditorPaymentActivationRequest | ✅ Defined (Request to Pay) |
pain.014 | CreditorPaymentActivationRequestStatusReport | ✅ Defined |
What You Are Probably Looking For
If you searched for pain.004, you likely mean one of:
| What you want | Correct message | Description |
|---|---|---|
| Payment return (creditor bank returns funds) | pacs.004 | Interbank payment return message |
| Payment reversal (bank reverses a payment) | pain.007 + pacs.007 | Customer and interbank reversal |
| Recall / cancellation request | camt.055 / camt.056 | Request to cancel a sent payment |
| Debit reversal (undo a debit posting) | Debit Reversal | Internal accounting reversal |
Quick Reference: Return vs Reversal vs Recall
WHO initiates? WHAT message? WHY?
─────────────────────────────────────────────────────
Creditor Bank → pacs.004 Cannot apply to account
(account closed, wrong account)
Debtor Bank → pain.007 Customer requests reversal
→ pacs.007 Interbank reversal instruction
→ camt.056 Formal cancellation/recall request
Internal → (no ISO msg) Technical error / debit reversal
→ camt.054 Notification of internal reversal
(RvslInd=true)
See Also
- pacs.004 — Payment Return — The message you are most likely looking for
- pain.007 & pacs.007 — Payment Reversal
- camt.055 & camt.056 — Cancellation Request
- Debit Reversal — Internal accounting reversal