Ma'anonin kalmomi a sauƙaƙe waɗanda ke bayyana a ko'ina cikin wannan shafin da kuma cikin takardun tashar bankinku. An rubuta su ga masu baitulmali da ƙungiyoyin ayyuka da farko, injiniyoyi na biyu.
Saƙonni#
pain.001 — Customer Credit Transfer Initiation. Saƙon XML da abokin ciniki ke aikawa bankinsa domin ya ba da umarnin tura kuɗi ɗaya ko fiye. Iyalin "pain" na nufin fara biyan kuɗi; .001 ita ce lambar saƙon; sigar da ke bayanta (.001.09) tana ƙayyade schema.
pain.002 — Customer Payment Status Report. Amsar bankinka ga pain.001 ko pain.008 ɗinka: an karɓa, an karɓa a wani ɓangare, ko an ƙi, tare da lambobin dalili na ISO ga kowace mu'amala.
pain.008 — Customer Direct Debit Initiation. Tagwayen pain.001 a ɓangaren karɓar kuɗi: kana cire kuɗin da ake binka bisa izini maimakon fitar da kuɗi.
pacs.008 / pacs.009. Saƙonnin sasantawa tsakanin bankuna waɗanda umarninka ke zama bayan bankin ya karɓe shi. Kamfanoni ba sa rubuta waɗannan; bankuna ne ke musayarsu.
camt.052 / camt.053 / camt.054. Rahoton asusu: rahoton tsakiyar rana, bayanin ƙarshen rana, da sanarwar cirewa ko shigar kuɗi bi da bi. camt.053 shi ne abin da ƙungiyoyin daidaita asusu ke amfani da shi kowace safiya.
MT101. Tsohon saƙon rubutu na SWIFT mai suna "Request for Transfer" wanda pain.001 ke maye gurbinsa. Za a dakatar da isar da MT101 tsakanin bankuna a ranar 14 ga Nuwamba 2026 domin pain.001.001.09; MT101 daga kamfani zuwa banki zai ci gaba ne kawai bisa ra'ayin kowane banki.
Tsare-tsare da littattafan ƙa'ida#
SEPA SCT / SCT Inst. Tsare-tsaren tura kuɗi na Yuro (na yau da kullum da na gaggawa) waɗanda littattafan ƙa'ida na European Payments Council ke sarrafawa. Tura kuɗi na gaggawa yana sasantuwa cikin daƙiƙu, a kowane lokaci na rana da dare.
SEPA SDD Core / B2B. Tsare-tsaren cirar kuɗi kai tsaye na Yuro — Core ga masu amfani (tare da haƙƙin mayar da kuɗi), B2B ga kamfanoni (babu haƙƙin mayarwa, kuma an fi tsauri wajen duba izini).
CBPR+. Cross-Border Payments and Reporting Plus: ƙa'idojin amfani da ke tsara saƙonnin ISO 20022 don harkokin banki na wakilci na SWIFT. Idan mutane suna cewa "sauyawar SWIFT zuwa ISO 20022", CBPR+ suke nufi.
HVPS+. Irin wannan tsari ne ga manyan tsarin biyan kuɗi masu ƙima (T2, CHAPS, Fedwire da makamantansu).
CGI-MP. Common Global Implementation — Market Practice: ƙungiyar da ke daidaita yadda kamfanoni ke amfani da saƙonnin pain a bankuna daban-daban, domin tsari guda ɗaya ya isa ga abokan hulɗar banki da yawa.
Verification of Payee (VoP). Binciken daidaiton suna da IBAN da EU ta wajabta ga dukkan tura kuɗi na SEPA tun 9 ga Oktoba 2025. PSP ne ke yin sa a lokacin aiwatarwa; tsaftataccen bayanin mai karɓa ne ke tabbatar da daidaituwa.
Alamun ganewa da bayanai#
IBAN. Lambar Asusun Banki ta Ƙasa da Ƙasa (ISO 13616), mai duba kanta ta hanyar checksum na mod-97 — shi ya sa ake gano musanyar lamba ɗaya kaɗai kafin gabatarwa.
BIC / BICFI. Lambar Ganewar Kasuwanci ta ISO 9362 ta wata cibiyar kuɗi. Sashen XML shi ne pain.001.001.03 amma
LEI. Lambar Ganewar Ƙungiyar Shari'a (ISO 17442) — lambar kamfani ta duniya mai haruffa 20. Sama da miliyan 3 suna aiki, kuma masu tsara doka suna ƙara wajabta su a harkokin biyan kuɗi.
UETR. Nuni na Musamman na Mu'amala Daga Farko Zuwa Ƙarshe — UUID ɗin da ke ba da damar bin diddigin biyan kuɗi a sarƙar bankunan wakilci (SWIFT gpi).
Adireshi mai tsari / haɗaɗɗe. Adiresoshin gidan waya a matsayin sassa daban-daban na XML (titi, gari, lambar gidan waya, ƙasa) maimakon layukan rubutu kyauta. Daga 14 ga Nuwamba 2026, CBPR+ tana ƙin adiresoshi marasa tsari gaba ɗaya; haɗaɗɗe — gari da ƙasa masu tsari tare da layukan adireshi biyu na haruffa 70 — ya ci gaba da inganci.
NbOfTxs / CtrlSum. Jimillolin sarrafawa na kan rukunin saƙo: yawan mu'amaloli da jimillar kuɗi. Bankuna suna sake ƙidaya su; idan naka bai dace ba, fayil ɗin zai koma. Pain001 tana samo su koyaushe daga rikodin da aka tantance.
Mai ɗaukar kuɗin hidima. Wanda ke biyan kuɗaɗen hidima: DEBT (mai aikawa), CRED (mai karɓa), SHAR (a raba), SLEV (bisa ƙa'idar tsari). Tsofaffin MT OUR/BEN/SHA suna dacewa da ukun farko.
Bayanin dalilin biya. Filin "me ake biya" — rubutu kyauta (haruffa 140) ko nuni mai tsari. Abin da ƙungiyoyin daidaita asusu ke fatan kowa ya cika shi yadda ya kamata.
Kalmomin kayan aiki na wannan shafin#
Tantancewar XSD. Duba XML bisa ma'anar schema ta hukuma ta ISO 20022. Pain001 tana ɗaukarsa a matsayin ƙofa mai tsauri kafin a rubuta kowane fayil.
MCP — Model Context Protocol. Ma'auni buɗaɗɗe da mataimakan AI ke amfani da shi don kiran kayan aiki na waje. pain001-mcp tana bayar da kayan aikin biyan kuɗi 17 ga kowane abokin ciniki na MCP, a cikin gida ta stdio.
LSP — Language Server Protocol. Ma'aunin haɗa editoci da ke bayan binciken kuskure a cikin IDE. pain001-lsp tana amfani da shi don tantance fayilolin biyan kuɗi yayin da kake rubutu.
SBOM. Jerin Kayan Software — jerin dukkan abubuwan dogaro a cikin fitarwa wanda na'ura za ta iya karantawa, ana samar da shi a tsarin CycloneDX ga fitarwar tushe na Pain001.
Wani abu ya ɓace? Ba da shawarar kalma — wannan ƙamus yana girma tare da tambayoyin da mutane ke yi da gaske.