ISO 20022 bank transaction code PMNT MCRD: Merchant Card Transactions
In ISO 20022 bank transaction codes, domain PMNT (Payments) with family MCRD means Merchant Card Transactions. Transaction is a payment card operation performed by debit or credit card operation, reported for the merchant. It has 17 sub-family codes, listed below.
Sub-family codes
| Code | Name | Definition |
|---|---|---|
| PMNT/MCRD/CHRG | Charges (Generic) | Generic charges related to the transaction without further details available |
| PMNT/MCRD/COMM | Commission (Generic) | Generic commissions without further details related to the transaction |
| PMNT/MCRD/COME | Commission Excluding Taxes (Generic) | Generic commissions without taxes related to the transaction without further details available |
| PMNT/MCRD/COMI | Commission Including Taxes (Generic) | Generic commissions including taxes related to the transaction without further details available |
| PMNT/MCRD/CAJT | Credit Adjustments (Generic) | Generic credit or debit adjustments related to the transaction without further details available |
| PMNT/MCRD/POSC | Credit Card Payment | Transaction is a payment done through a credit card that permits the credit cardholders to electronically make a payment at the place of purchase. |
| PMNT/MCRD/DAJT | Debit Adjustments (Generic) | Generic credit or debit adjustments related to the transaction without further details available |
| PMNT/MCRD/FEES | Fees (Generic) | Generic fees related to the transaction without further details available |
| PMNT/MCRD/INTR | Interests (Generic) | Generic interest related to the transaction without further details available |
| PMNT/MCRD/COMT | Non Taxable Commissions (Generic) | Generic non-taxable commissions related to the transaction without further details available |
| PMNT/MCRD/NTAV | Not Available | The “Not Available” Sub-Family is used to cater for the Bank Transaction Code mandatory field, when no further details are available for the Bank Transaction Code, e.g. a received credit transfer is reported but no Sub-Family is available in the information provided in the transaction. |
| PMNT/MCRD/OTHR | Other | The “Other” Sub-Family is used to cater for the Bank Transaction Code mandatory field, when the reported Family does not match any of the Families listed in the specified Domain, but further details are available in addition to the Domain and Family codes. |
| PMNT/MCRD/POSP | Point-of-Sale (POS) Payment | Transaction is a payment done through an electronic network of banks, debit cardholders, and merchants that permit consumers to electronically make direct payment at the place of purchase. The funds transfer directly from the account of the cardholder to the account of the merchant. |
| PMNT/MCRD/RIMB | Reimbursement (Generic) | Generic reimbursement of costs related to the transaction without further details available |
| PMNT/MCRD/SMCD | Smart-Card Payment | Transaction is a card-based payment. For the merchant, the transaction related to transfer of the funds related to the settlement of the recorded transaction paid through smart-cards. |
| PMNT/MCRD/TAXE | Taxes (Generic) | Generic taxes related to the transaction without further details available |
| PMNT/MCRD/UPCT | Unpaid Card Transaction | Transaction is related to the return of a debit/credit payment that has not been settled or has been rejected by the card holder for a justified reason. |
How it appears in camt.053
In camt.052, camt.053 and camt.054, each entry carries its code in the BkTxCd block. For example, PMNT/MCRD/CHRG:
<BkTxCd>
<Domn>
<Cd>PMNT</Cd>
<Fmly>
<Cd>MCRD</Cd>
<SubFmlyCd>CHRG</SubFmlyCd>
</Fmly>
</Domn>
</BkTxCd>
Other families in the PMNT domain
Related: camt.053 explained, ISO 20022 and all ISO 20022 bank transaction codes.
Where Polynopsis fits
Polynopsis reads bank statement files in BAI2, MT940 and ISO 20022 camt.053, read-only, and puts every bank balance into one live position with payout partner, exchange and stablecoin wallet balances, including money in flight.
Sources
- Bank Transaction Codes external code list description (November 2025) · ISO 20022
- Bank Transaction Codes codification workbook (30 November 2025) · ISO 20022
Know where all your money is.
Polynopsis gives cross-border payment teams one live position across every bank, payout partner, exchange and wallet, including money in flight, and warns before a corridor runs dry.
About Polynopsis
Polynopsis is liquidity management software for cross-border payment companies. The name joins poly, many, and synopsis, a seeing together: one live view of money spread across many banks, payout partners, exchanges and stablecoin wallets, including money in flight, with a warning before any corridor runs dry.
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