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pain001 0.0.25

Pain001: Automate ISO 20022-Compliant Payment File Creation

A Powerful Python Library that enables you to create ISO 20022-Compliant Payment Files directly from CSV or SQLite data files

Overview
Pain001 is an open-source Python Library that you can use to create ISO
20022-Compliant Payment Files directly from your CSV or SQLite Data
Files.

Website: https://pain001.com
Source code: https://github.com/sebastienrousseau/pain001
Bug reports: https://github.com/sebastienrousseau/pain001/issues

The Python library focuses specifically on Payment Initiation and Advice
Messages, commonly known as Pain. In a very simplified way, a
pain.001 is a message that initiates the customer payment.
As of today, the library is designed to be compatible with the:

Payments Initiation V03 (pain.001.001.03): This version is used for
initiating credit transfers within the SEPA (Single Euro Payments Area).
Payments Initiation V04 (pain.001.001.04): Introduced support for non-SEPA
payments and additional functionalities.
Payments Initiation V05 (pain.001.001.05): Brought further enhancements
and clarifications.
Payments Initiation V06 (pain.001.001.06): Focused on introducing support
for instant payments.
Payments Initiation V07 (pain.001.001.07): Added support for Request for
Large Payment (RLP) and Request to Modify Payment (RTP) functionalities.
Payments Initiation V08 (pain.001.001.08): Included support for the TARGET
Instant Settlement Service (TISS) and introduced a new pain.002 message type
for debit transfers.
Payments Initiation V09 (pain.001.001.09): The latest version, which
introduced support for Request for Account Information (RAI) functionality.

Payments usually start with a pain.001 payment initiation message. The payer
sends it to the payee (or the payee’s bank) via a secure network. This network
could be SWIFT or SEPA (Single Euro Payments Area) network, or other
payment networks such as CHAPS, BACS, Faster Payments, etc. The
message contains the payer’s and payee’s bank account details, payment amount,
and other information required to process the payment.
The Pain001 library can reduce payment processing complexity and costs by
generating ISO 20022-compliant payment files. These files automatically remove
the need to create and validate them manually, making the payment process more
efficient and cost-effective. It will save you time and resources and minimize
the risk of errors, ensuring accurate and seamless payment processing.
Use the Pain001 library to simplify, accelerate, and automate your payment
processing.
Table of Contents

Pain001: Automate ISO 20022-Compliant Payment File Creation

A Powerful Python Library that enables you to create ISO 20022-Compliant Payment Files directly from CSV or SQLite data files
Overview
Table of Contents
Features
Requirements
Installation

Install virtualenv
Create a Virtual Environment
Activate environment
Getting Started

Quick Start

Arguments

Examples

Using a CSV Data File as the source
Using a SQLite Data File as the source
Using the Source code

Pain.001.001.03
Pain.001.001.04
Pain.001.001.05
Pain.001.001.06
Pain.001.001.07
Pain.001.001.08
Pain.001.001.09

Embedded in an Application
Validation

Documentation

Supported messages

Bank-to-Customer Cash Management
Payments Clearing and Settlement
Payments Initiation

License
Contribution
Acknowledgements

Features

Easy to use: Both developers and non-developers can easily use the
library, as it requires minimal coding knowledge.
Open-source: The library is open-source and free to use, making it
accessible to everyone.
Secure: The library is secure and does not store any sensitive data,
ensuring that all information remains confidential.
Customizable: The library allows developers to customize the output,
making it adaptable to specific business requirements and preferences.
Scalable solution: The Pain001 library can handle varying volumes of
payment files, making it suitable for businesses of different sizes and
transaction volumes.
Time-saving: The automated file creation process reduces the time spent on
manual data entry and file generation, increasing overall productivity.
Seamless integration: As a Python package, the Pain001 library is
compatible with various Python-based applications and easily integrates into
any existing projects or workflows.
Cross-border compatibility: The library supports both Single Euro Payments
Area (SEPA) and non-SEPA credit transfers, making it versatile for use in
different countries and regions.
Improve accuracy by providing precise data; the library reduces errors in
payment file creation and processing.
Enhance efficiency by automating the creation of Payment Initiation
message files
Accelerate payment file creation by automating the process and reducing
the time required to create payment files.
Guarantee the highest quality and compliance by validating all payment
files to meet the ISO 20022 standards.
Simplify ISO 20022-compliant payment initiation message creation by
providing a standardized payment file format.
Reduce costs by removing manual data entry and file generation, reducing
payment processing time, and reducing errors.

Requirements
Pain001 works with macOS, Linux, and Windows and requires Python 3.9.0 and
above.
Installation
We recommend creating a virtual environment to install Pain001. This will
ensure that the package is installed in an isolated environment and will not
affect other projects. To install Pain001 in a virtual environment, follow
these steps:
Install virtualenv
python -m pip install virtualenv

Create a Virtual Environment
python -m venv venv

Code
Explanation

-m
executes module venv

env
name of the virtual environment

Activate environment
source venv/bin/activate

Getting Started
It takes just a few seconds to get up and running with Pain001. You can
install Pain001 from PyPI with pip or your favourite package manager:
Open your terminal and run the following command to add the latest version:
python -m pip install pain001

Add the -U switch to update to the current version, if pain001 is already
installed.
python -m pip install -U pain001

Quick Start
After installation, you can run Pain001 directly from the command line.
Simply call the main module pain001 with the paths of your:

XML template file containing the various parameters you want to pass from
your Data file,
XSD schema file to validate the generated XML file, and
Data file (CSV or SQLite) containing the payment instructions that you
want to submit.

Here’s how you would do that:
python3 -m pain001 \
-t <xml_message_type> \
-m <xml_template_file_path> \
-s <xsd_schema_file_path> \
-d <data_file_path>

Arguments
When running Pain001, you will need to specify four arguments:

An xml_message_type: This is the type of XML message you want to generate.
The currently supported types are:

pain.001.001.03
pain.001.001.04
pain.001.001.05
pain.001.001.06
pain.001.001.07
pain.001.001.08
pain.001.001.09

An xml_template_file_path: This is the path to the XML template file you are
using that contains variables that will be replaced by the values in your
Data file.

An xsd_schema_file_path: This is the path to the XSD schema file you are
using to validate the generated XML file.

A data_file_path: This is the path to the CSV or SQLite Data file you want
to convert to XML format.

Examples
The following examples demonstrate how to use Pain001 to generate a payment
initiation message from a CSV file and a SQLite Data file.
Using a CSV Data File as the source
python3 -m pain001 \
-t pain.001.001.03 \
-m /path/to/your/template.xml \
-s /path/to/your/pain.001.001.03.xsd \
-d /path/to/your/template.csv

Using a SQLite Data File as the source
python3 -m pain001 \
-t pain.001.001.03 \
-m /path/to/your/template.xml \
-s /path/to/your/pain.001.001.03.xsd \
-d /path/to/your/template.db

Using the Source code
You can clone the source code and run the example code in your
terminal/command-line. To check out the source code, clone the repository from
GitHub:
git clone https://github.com/sebastienrousseau/pain001.git

Pain.001.001.03
This will generate a payment initiation message in the format of
Pain.001.001.03.
python -m pain001 \
-t pain.001.001.03 \
-m pain001/templates/pain.001.001.03/template.xml \
-s pain001/templates/pain.001.001.03/pain.001.001.03.xsd \
-d pain001/templates/pain.001.001.03/template.csv

Pain.001.001.04
This will generate a payment initiation message in the format of
Pain.001.001.04.
python -m pain001 \
-t pain.001.001.04 \
-m pain001/templates/pain.001.001.04/template.xml \
-s pain001/templates/pain.001.001.04/pain.001.001.04.xsd \
-d pain001/templates/pain.001.001.04/template.csv

Pain.001.001.05
This will generate a payment initiation message in the format of
Pain.001.001.05.
python -m pain001 \
-t pain.001.001.05 \
-m pain001/templates/pain.001.001.05/template.xml \
-s pain001/templates/pain.001.001.05/pain.001.001.05.xsd \
-d pain001/templates/pain.001.001.05/template.csv

Pain.001.001.06
This will generate a payment initiation message in the format of
Pain.001.001.06.
python -m pain001 \
-t pain.001.001.06 \
-m pain001/templates/pain.001.001.06/template.xml \
-s pain001/templates/pain.001.001.06/pain.001.001.06.xsd \
-d pain001/templates/pain.001.001.06/template.csv

Pain.001.001.07
This will generate a payment initiation message in the format of
Pain.001.001.07.
python -m pain001 \
-t pain.001.001.07 \
-m pain001/templates/pain.001.001.07/template.xml \
-s pain001/templates/pain.001.001.07/pain.001.001.07.xsd \
-d pain001/templates/pain.001.001.07/template.csv

Pain.001.001.08
This will generate a payment initiation message in the format of
Pain.001.001.08.
python -m pain001 \
-t pain.001.001.08 \
-m pain001/templates/pain.001.001.08/template.xml \
-s pain001/templates/pain.001.001.08/pain.001.001.08.xsd \
-d pain001/templates/pain.001.001.08/template.csv

Pain.001.001.09
This will generate a payment initiation message in the format of
Pain.001.001.09.
python -m pain001 \
-t pain.001.001.09 \
-m pain001/templates/pain.001.001.09/template.xml \
-s pain001/templates/pain.001.001.09/pain.001.001.09.xsd \
-d pain001/templates/pain.001.001.09/template.csv

You can do the same with the sample SQLite Data file:
python3 -m pain001 \
-t pain.001.001.03 \
-m pain001/templates/pain.001.001.03/template.xml \
-s pain001/templates/pain.001.001.03/pain.001.001.03.xsd \
-d pain001/templates/pain.001.001.03/template.db

Note: The XML file that Pain001 generates will automatically be
validated against the XSD template file before the new XML file is saved. If
the validation fails, Pain001 will stop running and display an error
message in your terminal.

Embedded in an Application
To embed Pain001 in a new or existing application, import the main function
and use it in your code.
Here's an example:
from pain001 import main

if __name__ == '__main__':
xml_message_type = 'pain.001.001.03'
xml_template_file_path = 'template.xml'
xsd_schema_file_path = 'schema.xsd'
data_file_path = 'data.csv'
main(
xml_message_type,
xml_template_file_path,
xsd_schema_file_path,
data_file_path
)

Validation
To validate the generated XML file against a given xsd schema, use the following
method:
from pain001.core import validate_xml_against_xsd

xml_message_type = 'pain.001.001.03'
xml_file = 'generated.xml'
xsd_file = 'schema.xsd'

is_valid = validate_xml_against_xsd(
xml_message_type,
xml_file,
xsd_file
)
print(f"XML validation result: {is_valid}")

Documentation

Info: Do check out our website for comprehensive documentation.

Supported messages
This section gives access to the documentation related to the ISO 20022 message
definitions supported by Pain001.
Bank-to-Customer Cash Management
Set of messages used to request and provide account information for
reconciliation and cash positioning between an account servicer and its
customer.

Status
Message type
Name

⏳
camt.052.001.10
Bank-to-Customer Account Statement

⏳
camt.053.001.10
Customer Account Identification

⏳
camt.054.001.10
Customer Account Statement Request

⏳
camt.060.001.10
Customer Account Notification

Payments Clearing and Settlement
Set of messages used between financial institutions for the clearing and
settlement of payment transactions.

Status
Message type
Name

⏳
pacs.002.001.12
Credit Transfer Notification

⏳
pacs.003.001.09
Direct Debit Initiation

⏳
pacs.004.001.11
Direct Debit Reversal

⏳
pacs.007.001.11
Customer Direct Debit Confirmation

⏳
pacs.008.001.10
Credit Transfer Initiation

⏳
pacs.009.001.10
Credit Transfer Reversal

⏳
pacs.010.001.05
Account Identification

⏳
pacs.028.001.05
Account Statement Request

Payments Initiation
Set of messages exchanged between a debtor (or buyer) and its bank or between a
creditor (or seller) and its bank to initiate, collect, manage and monitor
payments.

Status
Message type
Name

✅
pain.001.001.03
Customer Credit Transfer Initiation

✅
pain.001.001.04
Customer Direct Debit Initiation

✅
pain.001.001.05
Customer Direct Debit Reversal

✅
pain.001.001.06
Customer Credit Transfer Reversal

✅
pain.001.001.07
Customer Account Notification

✅
pain.001.001.08
Customer Account Statement

✅
pain.001.001.09
Customer Credit Transfer Initiation

⏳
pain.001.001.10
Customer Account Closure Request

⏳
pain.001.001.11
Customer Account Change Request

License
The project is licensed under the terms of both the MIT license and the Apache
License (Version 2.0).

Apache License, Version 2.0
MIT license

Contribution
We welcome contributions to Pain001. Please see the
contributing instructions for more information.
Unless you explicitly state otherwise, any contribution intentionally submitted
for inclusion in the work by you, as defined in the Apache-2.0 license, shall
be dual licensed as above, without any additional terms or conditions.
Acknowledgements
We would like to extend a big thank you to all the awesome contributors of
Pain001 for their help and support.