scenario: us.ach.ppd-payroll
family: ach-credit
country: US
message_type: pain.001.001.03
description: ACH PPD payroll run, two employees.
sha256: 746b9ecd75e3391fe7be5f9b2b88c334cceb741433be3e15c660b009511b8864
build:
  renamed:
  - /Document/CstmrCdtTrfInitn/PmtInf/DbtrAgt/FinInstnId/BICFI -> BIC
  - /Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf/CdtrAgt/FinInstnId/BICFI -> BIC
  - /Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf/CdtrAgt/FinInstnId/BICFI -> BIC
  wrapped: []
  unwrapped: []
  dropped: []
  truncated: []
validation:
  xsd:
    errors: 0
    findings: []
  mdr:
    errors: 0
    findings: []
  profiles:
    us-ach:
      errors: 0
      warnings: 0
      findings: []
    anti-duplicate:
      errors: 0
      warnings: 0
      findings: []
  overlays: {}
twins:
  iso_json:
    sha256: 279a3a622bacef7e4b233ea834055411ef73f1f72ba0ce45b5106ad1912ef568
    schema_findings: []
  records:
    rows: 2
    gap: []
    missing_required: []
provenance:
  sources:
  - title: Nacha Operating Rules and Guidelines, PPD entries
    read: '2026-09-10'
  - title: Bank of America pain.001.001.09 formatting guide
    read: '2026-09-10'
  confidence: derived
  evidence: []
constraints: []