scenario: us.check.vendor
family: cheque
country: US
message_type: pain.001.001.03
description: Bank-issued cheque to a vendor, mailed to the creditor.
sha256: 59b75d6e217c98f874c432262980b21e31b98620b73f09031cb09fa06967574f
build:
  renamed:
  - /Document/CstmrCdtTrfInitn/PmtInf/DbtrAgt/FinInstnId/BICFI -> BIC
  wrapped: []
  unwrapped: []
  dropped: []
  truncated: []
validation:
  xsd:
    errors: 0
    findings: []
  mdr:
    errors: 0
    findings: []
  profiles:
    anti-duplicate:
      errors: 0
      warnings: 0
      findings: []
  overlays: {}
twins:
  iso_json:
    sha256: b4366c1d2b4ca46f37251cad3d861638afb02002db6664b074c273993bf82a26
    schema_findings: []
  records:
    rows: 1
    gap:
    - CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf/ChqInstr/ChqTp
    - CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf/ChqInstr/DlvryMtd/Cd
    - CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf/ChqInstr/MemoFld
    missing_required:
    - creditor_account_IBAN|creditor_account_number
    - creditor_agent_BIC|creditor_agent_member_id
provenance:
  sources:
  - title: ISO 20022 MDR Payments Initiation 2020-2021, cheque rules; Cross River
      pain.001.001.03 check sample (index)
    read: '2026-09-10'
  confidence: assumed
  evidence: []
constraints: []