Queries

The query family: MT195 and MT295 queries to and from camt.110 investigation requests, with the :75: query codewords and :77A: narrative.

Formats

Format	What it is	Versions accepted	Emitted by default
`mt195`	Queries (customer payments)	n/a	n/a
`mt295`	Queries (bank transfers)	n/a	n/a
`camt.110`	Investigation request	`.001.02`	`.001.02`

Pairs

From	To
`mt195`, `mt295`	`camt.110`
`camt.110`	`mt195`, `mt295`

A query never converts into an answer or a cancellation request, and mt195 → mt295 is not a pair. Answers are their own family: see Answers. There is no canonical source.

How fields map

A query normalizes to an investigation document of kind query: a case id, the references of the payment being asked about, query codes and narrative.

MT195/MT295 to camt.110.

:20: becomes the case id: the message id and the requester's investigation id.
:21: becomes the original end-to-end id of the payment in question.
:75: lines that start with a /CODE/ codeword become query codes: the first is the investigation type, each later one an extra investigation data block. Text after the codeword, and lines without one, become narrative.
:77A: and :79: lines become narrative, one investigation data block per line.
:11S:/:11R: identify the original message, as for cancellation requests.
A copied :32A: becomes the original amount and settlement date.

camt.110 to MT195/MT295. Query codes go to :75: as /CODE/ lines (six lines at most); narrative goes to :77A: (20 lines of 35). With no codes, narrative fills :75: first. The target id (mt195 or mt295) decides the message type.

Recognised query codes

BENV, MISG, RQFI and UPAY. Each keeps the meaning the ISO 20022 external code set gives it. A codeword of the same shape that is not in this list (for example a numbered query such as /3/) is still carried as a code and flagged with RETURN_REASON_UNMAPPED.

Where information is lost

Situation	Warning
Narrative longer than `:75:`/`:77A:` can hold (MT), or longer than 500 characters per block (camt.110)	`TRUNC_NARRATIVE`
A query code outside the recognised list	`RETURN_REASON_UNMAPPED`
camt.110 needs a requester and a responder that MT does not carry; `NOTPROVIDED` placeholders are written	`MISSING_REQUIRED_DEFAULTED`
No query code at all: the investigation type becomes `NOTPROVIDED`	`MISSING_REQUIRED_DEFAULTED`
Codes beyond the six `:75:` lines (moved to `:77A:`)	`DROP_FIELD`
Requester, UETR, creation time and status going to MT (no field)	`DROP_FIELD`
camt.110 parties, actions, service levels and structured request data with no canonical slot	`DROP_FIELD`
A case id longer than 16 characters going to `:20:`	`TRUNC_REFERENCE`

Conventions

:75: and :77A: capacity. :75: holds six lines and :77A: twenty lines of 35 characters. Narrative is converted to the SWIFT character set before it is wrapped, so the line count reflects the final text.
Repeated type. camt.110 repeats the investigation type as the reason of its first data block. On the way back, a reason identical to the type is not counted twice, so a single-code query round-trips cleanly.
Sibling detection. A bare MT295 detects as mt195; send the FIN envelope or from=mt295 to keep the type.

Example

curl -sS -X POST "https://api.transmute.403fin.io/v1/convert?to=camt.110" \
  -H "Authorization: Bearer $TRANSMUTE_KEY" \
  -H "Content-Type: text/plain" \
  --data-binary @- <<'MT'
:20:QRY-2026-0001
:21:PAY-2026-0001
:75:/UPAY/
:77A:PLEASE CONFIRM THE BENEFICIARY
WAS CREDITED
MT

The result document, formatted:

<InvstgtnReq>
  <MsgId>QRY-2026-0001</MsgId>
  <RqstrInvstgtnId>QRY-2026-0001</RqstrInvstgtnId>
  <InvstgtnTp><Cd>UPAY</Cd></InvstgtnTp>
  <Undrlyg><IntrBk><OrgnlEndToEndId>PAY-2026-0001</OrgnlEndToEndId></IntrBk></Undrlyg>
  <Rqstr><Pty><Nm>NOTPROVIDED</Nm></Pty></Rqstr>
  <Rspndr><Pty><Nm>NOTPROVIDED</Nm></Pty></Rspndr>
</InvstgtnReq>
<InvstgtnData>
  <Seq>1</Seq>
  <Rsn><Cd>UPAY</Cd></Rsn>
  <AddtlReqData><ReqNrrtv>PLEASE CONFIRM THE BENEFICIARY</ReqNrrtv></AddtlReqData>
</InvstgtnData>
<InvstgtnData>
  <Seq>2</Seq>
  <Rsn><Cd>UPAY</Cd></Rsn>
  <AddtlReqData><ReqNrrtv>WAS CREDITED</ReqNrrtv></AddtlReqData>
</InvstgtnData>

The warnings are two MISSING_REQUIRED_DEFAULTED (info) entries, for InvstgtnReq/Rspndr and InvstgtnReq/Rqstr; meta.targetType is camt.110.001.02.

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