gb.bacs.supplier-run — ISO 20022 pain.001 example for United Kingdom (bacs-direct-credit)

Bacs Direct Credit supplier run, two payments, SUN in the debtor id.

A payment initiation file for United Kingdom on the bacs-direct-credit rail, shipped in pain.001.001.03, pain.001.001.09, generated and checked by pain001 0.0.70. It is a synthetic example built from the public scheme rulebooks: no real party, account or bank guideline behind it.

Files#

The twin is the same payment in the ISO 20022 Registration Authority's JSON convention, lossless in both directions; its JSON Schema (2020-12) is published per edition: pain.001.001.03, pain.001.001.09. An agent can produce a twin that validates against the schema and hand it to the library to render the XML.

Run it in your browser#

Open this scenario in the demo: the pain001 library loads in a Python runtime in your browser, rebuilds the file from the 2 record(s) below, checks it against the uk-bacs rulebook and the official XSD, and shows the JSON twin. Nothing leaves your machine.

The flat records the library rebuilds it from (the CSV pipeline's own column names):

id,date,nb_of_txs,ctrl_sum,initiator_name,payment_information_id,payment_method,batch_booking,service_level_code,requested_execution_date,debtor_name,debtor_agent_BIC,charge_bearer,payment_id,payment_amount,currency,creditor_agent_BIC,creditor_name,remittance_information,initiator_postal_code,initiator_town_name,initiator_country_code,initiator_address_line,initiator_id,debtor_postal_code,debtor_town_name,debtor_country_code,debtor_address_line,debtor_id,debtor_account_number,debtor_account_scheme,debtor_account_currency,debtor_agent_clearing_system,debtor_agent_member_id,creditor_town_name,creditor_country_code,creditor_account_number,creditor_account_scheme,creditor_agent_clearing_system,creditor_agent_member_id,initiator_id_scheme_proprietary,debtor_id_scheme_proprietary,debtor_agent_town_name,debtor_agent_country_code,creditor_agent_town_name,creditor_agent_country_code,payment_currency
ELMRD-BACS-20260918,2026-09-15T17:00:00,2,5760.50,Elm Road Developments,BACS-20260918-01,TRF,true,NURG,2026-09-18,Elm Road Developments,DYEMGBJ0,SLEV,INV-0915-0042,4800.00,GBP,HERAGB80,Northgate Timber,INV-0915-0042,SW1A 1AA,London,GB,14 Elm Road,654321,SW1A 1AA,London,GB,14 Elm Road,654321,12345678,BBAN,GBP,GBDSC,040004,Leeds,GB,87654321,BBAN,GBDSC,200415,SUN,SUN,London,GB,Leeds,GB,GBP
ELMRD-BACS-20260918,2026-09-15T17:00:00,2,5760.50,Elm Road Developments,BACS-20260918-01,TRF,true,NURG,2026-09-18,Elm Road Developments,DYEMGBJ0,SLEV,INV-0915-0043,960.50,GBP,MROCGBF0,Avon Plant Hire,INV-0915-0043,SW1A 1AA,London,GB,14 Elm Road,654321,SW1A 1AA,London,GB,14 Elm Road,654321,12345678,BBAN,GBP,GBDSC,040004,Bristol,GB,11223344,BBAN,GBDSC,309634,SUN,SUN,London,GB,Bristol,GB,GBP

How the library checked it#

• Official XSD: passed.
• ISO message definition rules: passed.
• Rail profile uk-bacs: passed.
• Rail profile anti-duplicate: passed.

Confidence derived: built from the public rulebook or implementation guide; no published sample was available to compare.

Where the content comes from#

• Bacs ISO 20022 / Standard 18 translation guide v1.1 (read 2026-09-10)

SHA-256 of each file is in its provenance record. Your bank's own usage guideline is not represented here: apply it privately with the library's overlay tooling.

Back to the example corpus · All payment files by country