ISO 20022 bank transaction code PMNT RDDT: Received Direct Debits
In ISO 20022 bank transaction codes, domain PMNT (Payments) with family RDDT means Received Direct Debits. The Received Direct Debit transactions are related to instructions received by the account owner to debit the account. It has 24 sub-family codes, listed below.
Sub-family codes
| Code | Name | Definition |
|---|---|---|
| PMNT/RDDT/CHRG | Charges (Generic) | Generic charges related to the transaction without further details available |
| PMNT/RDDT/COMM | Commission (Generic) | Generic commissions without further details related to the transaction |
| PMNT/RDDT/COME | Commission Excluding Taxes (Generic) | Generic commissions without taxes related to the transaction without further details available |
| PMNT/RDDT/COMI | Commission Including Taxes (Generic) | Generic commissions including taxes related to the transaction without further details available |
| PMNT/RDDT/CAJT | Credit Adjustments (Generic) | Generic credit or debit adjustments related to the transaction without further details available |
| PMNT/RDDT/XBDD | Cross-Border Direct Debit | Transaction is a cross-border direct debit payment. |
| PMNT/RDDT/DAJT | Debit Adjustments (Generic) | Generic credit or debit adjustments related to the transaction without further details available |
| PMNT/RDDT/PMDD | Direct Debit | Transaction is a legacy direct debit payment, which is related to a recurring payment. The settlement of the direct debit transaction has already been completed successfully. |
| PMNT/RDDT/URDD | Direct Debit Under Reserve | Transaction is a legacy direct debit payment under reserve of settlement. Although the amount has been already been posted, the funds have not yet been settled. |
| PMNT/RDDT/FEES | Fees (Generic) | Generic fees related to the transaction without further details available |
| PMNT/RDDT/FIDD | Financial Institution Direct Debit Payment | Transaction is a financial institution direct debit payment. |
| PMNT/RDDT/INTR | Interests (Generic) | Generic interest related to the transaction without further details available |
| PMNT/RDDT/COMT | Non Taxable Commissions (Generic) | Generic non-taxable commissions related to the transaction without further details available |
| PMNT/RDDT/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/RDDT/OODD | One-Off Direct Debit | Transaction is a one-off direct debit payment. |
| PMNT/RDDT/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/RDDT/PADD | Pre-Authorised Direct Debit | Transaction is a Pre-Authorised Direct Debit payment, e.g. the ACH pre-authorised Direct Debit. |
| PMNT/RDDT/RIMB | Reimbursement (Generic) | Generic reimbursement of costs related to the transaction without further details available |
| PMNT/RDDT/RCDD | Reversal Due To Payment Cancellation Request | Transaction is related to the cancellation of an initial direct debit upon request from the creditor. The creditor had already been credited for the initial direct debit, but interbank settlement had not been completed yet. |
| PMNT/RDDT/PRDD | Reversal Due To Payment Reversal | Transaction is related to the reversal / reimbursement of a direct debit transaction (which may be related to a double processing, the debit of an incorrect account, or request to reimburse the debtor issued by the creditor) |
| PMNT/RDDT/UPDD | Reversal Due To Return/Unpaid Direct Debit | Transaction is related to a Returned Direct Debit. Several reasons may exist: debtor’s account closed, insufficient funds available, request for refund by the Debtor, etc. |
| PMNT/RDDT/BBDD | SEPA B2B Direct Debit | Transaction is SEPA direct debit payment, as defined in the B2B Direct Debit Rulebook. |
| PMNT/RDDT/ESDD | SEPA Core Direct Debit | Transaction is SEPA core direct debit payment. |
| PMNT/RDDT/TAXE | Taxes (Generic) | Generic taxes related to the transaction without further details available |
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/RDDT/CHRG:
<BkTxCd>
<Domn>
<Cd>PMNT</Cd>
<Fmly>
<Cd>RDDT</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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