pain.007 — Customer Payment Reversal

Post-settlement reversal of a SEPA SDD direct debit initiated by the creditor. Distinct from camt.056 (pre-settlement cancellation) — pain.007 enacts the effective revert.

Purpose and place in the flow

pain.007 lets the creditor ask its bank to reverse a SEPA SDD direct debit already collected. Different from camt.056 (cancellation before execution) — pain.007 intervenes after funds have been credited. The creditor bank will then issue a pacs.007 to the debtor bank.

XML structure

Wrapped in <CstmrPmtRvsl>. Three blocks:

• GrpHdr — reversal metadata.
• OrgnlGrpInf — original pain.008 reference.
• OrgnlPmtInfAndRvsl — transaction(s) to reverse with RvsdInstdAmt and RvslRsnInf.

Reason codes

Example: SEPA SDD duplicate revert

<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.007.001.10">
  <CstmrPmtRvsl>
    <GrpHdr>
      <MsgId>RVSL-ACME-20260518-001</MsgId>
      <CreDtTm>2026-05-18T11:30:00+02:00</CreDtTm>
      <InitgPty><Nm>ACME SARL</Nm></InitgPty>
      <NbOfTxs>1</NbOfTxs>
      <CtrlSum>150.00</CtrlSum>
    </GrpHdr>
    <OrgnlGrpInf>
      <OrgnlMsgId>ACME-DD-20260514-001</OrgnlMsgId>
      <OrgnlMsgNmId>pain.008.001.08</OrgnlMsgNmId>
      <OrgnlCreDtTm>2026-05-14T09:00:00+02:00</OrgnlCreDtTm>
    </OrgnlGrpInf>
    <OrgnlPmtInfAndRvsl>
      <OrgnlPmtInfId>ACME-DD-PMT-2026001</OrgnlPmtInfId>
      <RvslPmtInfId>RVSL-PI-001</RvslPmtInfId>
      <NbOfTxs>1</NbOfTxs>
      <CtrlSum>150.00</CtrlSum>
      <TxInf>
        <OrgnlEndToEndId>SUB202605-CUST0042</OrgnlEndToEndId>
        <RvsdInstdAmt Ccy="EUR">150.00</RvsdInstdAmt>
        <RvslRsnInf>
          <Rsn><Cd>DUPL</Cd></Rsn>
          <AddtlInf>Duplicate collection caused by IT error</AddtlInf>
        </RvslRsnInf>
      </TxInf>
    </OrgnlPmtInfAndRvsl>
  </CstmrPmtRvsl>
</Document>

Common pitfalls

• pain.007 outside SEPA window — creditor revert must happen within 5 business days per SEPA SDD Rulebook.
• DUPL reason without proof — the creditor must keep evidence of the technical error to justify.
• Missing RvslPmtInfId — blocks reconciliation on the creditor bank side.

Related messages

• pain.008 — initial direct debit.
• pacs.007 — interbank counterpart of pain.007.
• camt.056 — pre-settlement cancellation.
• pain.002 — status reply.