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ISO 20022 bank transaction code

PMNT/RCDT/ATXN: Received ACH transaction

Money received through an automated clearing house: in the US, an ACH credit such as a customer payment, a government payment or a payroll deposit.

PMNT/RCDT/ATXN at a glance
DomainPMNT Payments
FamilyRCDT Received Credit Transfers
Sub-familyATXN ACH Transaction
DirectionCredit (money in): CdtDbtInd CRDT
MT940 type with the same meaningNone that matches reliably

What PMNT/RCDT/ATXN means

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

  • PMNT (Payments). Every movement of funds between parties, such as transfers, direct debits, cheques, cards and cash.
  • RCDT (Received Credit Transfers). Money a payer sent to the account owner.
  • 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>CRDT</CdtDbtInd>
  <Sts><Cd>BOOK</Cd></Sts>
  <BkTxCd>
    <Domn>
      <Cd>PMNT</Cd>
      <Fmly>
        <Cd>RCDT</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

Where a bank reports US ACH details (the originator’s company name, the entry description, the trace number) varies: often in AddtlTxInf, AddtlNtryInf or the references. Your bank’s camt guide says which. ISO also has narrower ACH sub-families, such as ACDT for ACH credits, that some banks use instead.

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/RCDT/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%2FRCDT%2FATXN'