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ISO 20022 bank transaction code

PMNT/ICDT/ATXN: Issued ACH transaction

A payment you sent through an automated clearing house: in the US, ACH credits such as supplier payments or payroll.

PMNT/ICDT/ATXN at a glance
DomainPMNT Payments
FamilyICDT Issued Credit Transfers
Sub-familyATXN ACH Transaction
DirectionDebit (money out): CdtDbtInd DBIT
MT940 type with the same meaningNone that matches reliably

What PMNT/ICDT/ATXN means

A bank transaction code classifies an entry in three levels, each narrower than the last. Read together, PMNT/ICDT/ATXN reads Payments › Issued Credit Transfers › ACH Transaction.

  • PMNT (Payments). Every movement of funds between parties, such as transfers, direct debits, cheques, cards and cash.
  • ICDT (Issued Credit Transfers). Payments the account owner sent.
  • ATXN (ACH Transaction).

Where it sits in a camt.053

The code is in each entry’s BkTxCd/Domn block, the same way in camt.052, camt.053 and camt.054 and in every version from .001.02 to .001.13:

camt.053.001.08 · an entry
<Ntry>
  <Amt Ccy="EUR">1250.00</Amt>
  <CdtDbtInd>DBIT</CdtDbtInd>
  <Sts><Cd>BOOK</Cd></Sts>
  <BkTxCd>
    <Domn>
      <Cd>PMNT</Cd>
      <Fmly>
        <Cd>ICDT</Cd>
        <SubFmlyCd>ATXN</SubFmlyCd>
      </Fmly>
    </Domn>
  </BkTxCd>
  …
</Ntry>

Banks may add their own code in BkTxCd/Prtry, next to the ISO code or instead of it (a German bank’s three-digit business transaction code, for example). Prefer the ISO code for rules that should work across banks.

What the entry carries

A batch you originated often posts as one entry per batch. To check the ACH file you sent, NACHA Navigator (a sister site) reads NACHA files in the browser.

In an MT940

An MT940 has no ISO code: each :61: statement line carries a three-letter transaction type, and none of them matches this code reliably; banks often use a generic one such as NTRF or NMSC.

The MT940 Viewer converts MT940 to camt.053, and keeps the :61: type as a proprietary code (BkTxCd/Prtry, issuer SWIFT) rather than guessing an ISO code. All the types are in the MT940 transaction type codes.

Look up PMNT/ICDT/ATXN from a script or an AI agent

Scripts and AI agents get this code’s name, definition, where it sits and the address of this page from GET /api/v1/explain, keyless, or from the explain_code tool of the MCP server (API and MCP docs; add it to Claude, Cursor or VS Code).

REST · curl
curl -s 'https://iso20022-navigator.com/api/v1/explain?code=PMNT%2FICDT%2FATXN'