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ISO 20022 bank transaction code

PMNT/IDDT/UPDD: Returned (unpaid) direct debit

A direct debit you collected came back unpaid: returned by the debtor’s bank, refused, or refunded to the debtor. The amount is debited from your account again.

PMNT/IDDT/UPDD at a glance
DomainPMNT Payments
FamilyIDDT Issued Direct Debits
Sub-familyUPDD Reversal Due to Return / Unpaid Direct Debit
DirectionDebit (money out): CdtDbtInd DBIT
MT940 type with the same meaningNRTI Returned item

What PMNT/IDDT/UPDD means

A bank transaction code classifies an entry in three levels, each narrower than the last. Read together, PMNT/IDDT/UPDD reads Payments › Issued Direct Debits › Reversal Due to Return / Unpaid Direct Debit.

  • PMNT (Payments). Every movement of funds between parties, such as transfers, direct debits, cheques, cards and cash.
  • IDDT (Issued Direct Debits). Collections the account owner made from its debtors.
  • UPDD (Reversal Due to Return / Unpaid Direct Debit).

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>IDDT</Cd>
        <SubFmlyCd>UPDD</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

The reason is in TxDtls/RtrInf/Rsn/Cd: AM04 (insufficient funds), AC04 (closed account), MD01 (no mandate), MD06 (refund requested) and so on. The original end-to-end id and mandate reference identify the collection.

In an MT940

An MT940 has no ISO code: each :61: statement line carries a three-letter transaction type after an identification letter. The one with the same meaning is NRTI (Returned item). It is coarser than the ISO code, so several ISO codes share it.

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/IDDT/UPDD 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%2FIDDT%2FUPDD'