Only the TRF (credit transfer) payment method is supported by this validator. CHK (cheque) and TRA are not supported.
Why pain.001 files fail rule PAIN00111-MVP-001 (ERROR) and how to fix it: Only the TRF (credit transfer) payment method is supported by this validator. CHK (cheque) and TRA are not supported.
What this rule checks
Only the TRF (credit transfer) payment method is supported by this validator. CHK (cheque) and TRA are not supported.
Affected element: PmtInf/PmtMtd.
Applies to pain.001.001.11. 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
Use one of the allowed values for PmtInf/PmtMtd: {{value}}.
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.