The IBAN (debtor or creditor), if present, must pass the MOD97 checksum validation.
Why pain.001 files fail rule PAIN00109-GEN-010 (ERROR) and how to fix it: The IBAN (debtor or creditor), if present, must pass the MOD97 checksum validation.
What this rule checks
The IBAN (debtor or creditor), if present, must pass the MOD97 checksum validation.
Applies to pain.001.001.09. Severity: ERROR.
Why your file is rejected
Banks validate this rule server-side after the XSD schema check. When it fails, the whole file is typically rejected — even if every other transaction is correct — so a single violation blocks the entire batch.
How to fix it
This is a computed consistency check (a total or a transaction count). Recompute the value directly from the transactions in your file and make the header match exactly. Accumulate monetary amounts as integer minor units (cents) to avoid floating-point drift, then format with the correct number of decimals.
Verify before you send
Upload your pain.001 file to the validator below to confirm this rule — and every other business rule and XSD constraint — passes before your bank sees it.