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Import of Payments in Format camt.053

The payment import for ESR Payments has been extended so that not only ESR|ISR Payments can be processed, but also QRR Payments can be read from the BTC (Bank Transaction Codes)|GVC (Business Transactions) and the associated Family Codes from the camt.053 bank files. We regularly update the supported camt standard.

The old method of reading the ESR|ISR reference from the tag <Ref></Ref> has been replaced.


We currently support the following family codes, including all sub-family codes:

  • <Fmly><Cd>RCHQ </Cd></Fmly> = Received Cheques

  • <Fmly><Cd>RCDT</Cd></Fmly> = Received Credit Transfers

  • <Fmly><Cd>RDDT</Cd></Fmly> = Received Direct Debits

  • <Fmly><Cd>CNTR </Cd></Fmly> = Counter Transactions

  • <Fmly><Cd>RRCT </Cd></Fmly> = Receivable Real-Time Credit Transfers

  • and within the same format: MCRD, MDOP, IDDT, ICDT, ICHQ, ICCN, CCRD, CNTR, CAPL, OPCL, MCOP


Important Links / Specification


Necessary Fields for pixi

The following table contains all fields that are imported from the camt.053 file into pixi.
In pixi* the transaction is then shown as follows:


XML Tag Name

Description

Imported into pixi*

BookgDt
(Booking Date)

contains the booking date of the transaction

pixi* Payments > Payment Details > Book Date
Format: "MMDD"

ValDt
(Validation Date)

contains the validation date of the transaction

pixi* Payments > Payment Overview > Date
or
pixi* Payments > Payment Overview > Bank Date

Refs
(References)

contains references that belong to the transaction:

  • <EndToEndId>: End-to-End Reference

pixi* Payments > Payment Overview > Payment Details > Text 2

Amt Ccy
(Amount)

contains the amount and currency of the transaction

pixi* Payments > Payment Overview (> Payment Details) > Amount / Currency

CdtDbtInd
(Credit Debit Indicator)

contains either CRDT or DBIT and defines the transaction type

gets imported but is not shown in the pixi* application

BkTxCd
(Bank Transaction Code)

contains different codes that specify the transaction

  • <Prtry><Cd> oder <Domn><Cd>: can contain PMNT, RCDT, ICDT, RRCT, VCOM,MCRD, MDOP, IDDT, ICDT, ICHQ, ICCN, CCRD, CNTR, CAPL, OPCL, MCOP

gets imported but is not shown in the pixi* application

RltdPties
(Related Parties)

contains the involved parties:

  • <Dbtr> or <Cdtr><Nm>: name of the debitor/creditor

  • <DbtrAcct> or <CdtrAcct><Id><IBAN>: IBAN of the debitor/creditor

  • for debits: debitor = merchant

  • for credits: debitor = end customer

Customer Name: pixi* Payments > Payment Overview (> Payment Details) > Payer / Payed By

IBAN: pixi* Payments > Payment Overview > Payment Details > IBAN

RltAgts
(Related Agents)

contains information of the financial institution

  • <DbtrAgt> or <CdtrAgt><FinInstnId><BICFI>: BIC of the bank of the end customer

pixi* Payments > Payment Overview > Payment Details > BIC

RmtInf
(Remittance Information)

This part contains the important data:

  • <Ustrd>: unstructured information; only gets imported if <Strd> is empty

  • <Strd>: structured information

    • <CdtrRefInf><Tp><CdOrPrtry><Prtry>: If this tag contains the value "ISR Reference", only then the transaction gets imported into pixi*.

    • <CdtrRefInf><Ref>: This tag contains the ISR code and gets imported into pixi* to Text 1 without leading zeroes and the check digit at the end .

pixi* Payments > Payment Overview > Payment Details > Text 1

CreDtTm
(Creation Date Time)

Contains the creation date/time of the account statement / report.

Parsed as the report creation date; no separate visible default value in the pixi payment overview.

Acct / Ccy
(Account Currency)

Contains the currency of the account.

Used as the account currency or as a fallback for the currency; usually not shown separately in the application.

Acct / Svcr / FinInstnId / BIC
(Account BIC)

Contains the BIC of the account-holding bank.

Imported as the account/bank BIC; no separate visible default value in the pixi payment overview.

BkTxCd / Prtry / Cd (Bank Transaction Code Proprietary)

Contains the proprietary bank transaction code, e.g., PMNT-RCDT-051; serves as an additional TransactionCode / BusinessCode.

Imported into the pixi database and used for banking classification/mapping, but not displayed in the application.

AmtDtls / TxAmt / Amt Ccy
(Transaction Amount Details)

Contains the amount and currency of the transaction in an alternative structure under AmtDtls; in XML 2 this is the 2nd possible path for the amount.

Imported as an alternative amount path if TxDtls/Amt is not present; displayed like Amt Ccy: pixi Payments > Payment overview > (Payment details >) Amount / Currency.

Ntry / Amt Ccy
(Entry Amount)

Contains the amount and currency at entry level; in XML 2 this is the 3rd possible path for the amount.

Imported as another fallback amount path if no amount exists at TxDtls level; displayed like Amt Ccy: pixi Payments > Payment overview > (Payment details >) Amount / Currency.

Btch / NbOfTxs
(Number of Transactions in Batch)

Contains the number of transactions in a batch / collective posting.

Imported into the pixi database; normally not displayed separately in the application.



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Complete XML Example

Below is a complete XML example in the camt.053 format with commented field explanations:

<?xml version="1.0" encoding="UTF-8"?>

<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.053.001.04">

  <BkToCstmrStmt>

    <Stmt>

      <CreDtTm>2024-12-31T12:00:00</CreDtTm> <!-- CreateDate: parsed as report creation date -->

      <Acct>

        <Ccy>EUR</Ccy> <!-- AccountCurrency: currency of the account -->

        <Svcr>

          <FinInstnId>

            <BIC>DEUTDEFF</BIC> <!-- AccountBic: BIC of the account's bank -->

          </FinInstnId>

        </Svcr>

      </Acct>

      <Ntry>

        <BookgDt>

          <Dt>2024-12-31</Dt> <!-- BookingDate: booking date of the transaction -->

        </BookgDt>

        <ValDt>

          <Dt>2024-12-31</Dt> <!-- BankDate: value date of the transaction -->

        </ValDt>

        <Amt Ccy="EUR">123.45</Amt> <!-- Amount: transaction amount and currency (3rd option) -->

        <CdtDbtInd>CRDT</CdtDbtInd> <!-- FundsCode: CRDT (credit) or DBIT (debit) (2nd option) -->

        <BkTxCd>

          <Domn>

            <Cd>PMNT</Cd> <!-- BankTransactionCodeDomain: transaction domain code (2nd option)-->

            <Fmly>

              <Cd>RCDT</Cd> <!-- BankTransactionCodeFamilyDomain: family code, used in WHERE clause - used, if not specified in NtryDtls/TxDtls/BkTxCd/Domn/Fmly/Cd (line 49) -->

                            <!-- currently supported (2026.01): RCHQ, RCDT, RDDT, CNTR, RRCT, MCRD, MDOP, IDDT, ICDT, ICHQ, ICCN, CCRD, CAPL, OPCL, MCOP, ESCT -->

            </Fmly>

          </Domn>

          <Prtry>

            <Cd>PMNT-RCDT-051</Cd> <!-- BankTransactionCodeProprietary: proprietary code, TransactionCode/BusinessCode -->

          </Prtry>

        </BkTxCd>

        <NtryDtls>

          <TxDtls>

            <Refs>

              <EndToEndId>ABC123456789</EndToEndId> <!-- BankText02: end-to-end reference -->

            </Refs>

            <Amt Ccy="EUR">123.45</Amt> <!-- Amount: transaction amount and currency (1st option) -->

            <AmtDtls>

                <TxAmt>

				    <Amt Ccy="EUR">123.45</Amt> <!-- Amount: transaction amount and currency (2nd option) -->

				</TxAmt>

			</AmtDtls>

            <CdtDbtInd>CRDT</CdtDbtInd> <!-- FundsCode: CRDT (credit) or DBIT (debit) (1st option) -->

            <BkTxCd>

              <Domn>

                <Cd>PMNT</Cd> <!-- BankTransactionCodeDomain: transaction domain code (1st option)-->

                <Fmly>

                  <Cd>RCDT</Cd> <!-- BankTransactionCodeFamilyDomain: family code  -->

                </Fmly>

              </Domn>

              <Prtry>

                <Cd>PMNT-RCDT-051</Cd>

              </Prtry>

            </BkTxCd>

            <RltdPties>

              <Dbtr>

                <Nm>John Doe</Nm> <!-- CreditorCustomerName: name of the debtor (payer) (1st option)-->

              </Dbtr>

              <Dbtr>

                <Pty>

                    <Nm>John Doe</Nm> <!-- CreditorCustomerName: name of the debtor (payer) (2nd option)-->

                </Pty>

              </Dbtr>              

              <DbtrAcct>

                <Id>

                  <IBAN>DE89370400440532013000</IBAN> <!-- CreditorIBAN: IBAN of the debtor (payer) -->

                </Id>

              </DbtrAcct>

              <Cdtr>

                <Nm>Jane Smith</Nm> <!-- DebitorCustomerName: name of the creditor (payee) (1st option) -->

              </Cdtr>

              <Cdtr>

                <Pty>

                    <Nm>Jane Smith</Nm> <!-- DebitorCustomerName: name of the creditor (payee) (2nd option)-->

                </Pty>

              </Cdtr>               

              <CdtrAcct>

                <Id>

                  <IBAN>DE12500105170648489890</IBAN> <!-- DebitorIBAN: IBAN of the creditor (payee) -->

                </Id>

              </CdtrAcct>

            </RltdPties>

            <RltdAgts>

              <CdtrAgt>

                <FinInstnId>

                  <BICFI>COBADEFFXXX</BICFI> <!-- DebitorBIC: BIC of the creditor's bank -->

                </FinInstnId>

              </CdtrAgt>

              <DbtrAgt>

                <FinInstnId>

                  <BICFI>DEUTDEFFXXX</BICFI> <!-- CreditorBIC: BIC of the debtor's bank -->

                </FinInstnId>

              </DbtrAgt>

            </RltdAgts>

            <RmtInf>

              <Ustrd>Invoice 12345</Ustrd> <!-- BankText01Unstrd: unstructured remittance info 1 -->

              <Ustrd>Payment for services</Ustrd> <!-- BankText02Unstrd: unstructured remittance info 2 -->

              <Strd>

                <CdtrRefInf>

                  <Ref>987654321</Ref> <!-- BankText01Strd: structured reference info -->

                  <Tp>

                    <CdOrPrtry>

                      <Prtry>ISR</Prtry> <!-- ISR_ref: Swiss reference type -->

                    </CdOrPrtry>

                  </Tp>

                </CdtrRefInf>

              </Strd>

            </RmtInf>

          </TxDtls>

        </NtryDtls>

        <Btch>

          <NbOfTxs>1</NbOfTxs> <!-- NumOfTxInBatch: number of transactions in batch -->

        </Btch>

      </Ntry>

    </Stmt>

  </BkToCstmrStmt>


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