pain.001
pain.001 is the ISO 20022 message by which a payment order is transmitted to the bank; it replaces the former DTA and EZAG formats and carries one or several orders in a single file.
Definition
The response comes as pain.002: it states which payments the bank accepted and which it rejected, with reasons. Software that produces pain.001 but does not read pain.002 leaves the user in the dark until the account statement arrives.
Important in practice is the batch entry: if twenty supplier payments are posted as one debit, the software still has to be able to break them down per creditor, otherwise the payables ledger no longer agrees.
What the software must be able to do
Check whether the software produces pain.001 in the current Swiss version, whether it processes pain.002, and whether payment runs must be released before dispatch. The last point is a question of control, not convenience.
Checked Aug 2026
More terms under Invoicing, payment and banking: Advance payment Allowance for doubtful debts Bad debt camt.053 Cancellation invoice Cash discount Certificate of shortfall Credit note Creditor Current account Debt enforcement Debtor Default interest Delivery note Dunning eBill Final invoice IBAN Invoice number ISO 20022 / camt Open items Part payment Payment term Pro forma invoice QR reference QR-bill QR-IBAN Quotation Receipt Tips TWINT as a payment method Visitor taxes