SEPA. Changes in the Payment System Implementation of the European SEPA Regulations for Kuna and Euro Payments

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1 SEPA Changes in the Payment System Implementation of the European SEPA Regulations for Kuna and Euro Payments

2 SEPA The Single Euro Payments Area (SEPA) stands for a European Union (EU) payments integration initiative aiming at establishing a unique payment system for fast and secure payments with equal standards, formats and rules in the manner of effecting payments. The SEPA area includes 34 countries all EU members: Austria, Belgium, Bulgaria, Cyprus, Czech, Denmark, Estonia, Finland, France, Greece, Croatia, Ireland, Italy, Latvia, Lithuania, Luxemburg, Hungary, Malta, the Netherlands, Germany, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom, and Iceland, Liechtenstein, Norway, Switzerland, Monaco and San Marino. What is considered a payment transaction according to the SEPA Regulations? The Payer and the Payee are within the Single Euro Payments Area. Currency: EUR. SEPA Migration Plan for Croatia: As of 06/06/2016 Croatia will migrate to the SEPA Credit Transfers scheme: National and cross-border transactions in EUR (payments under SEPA regulations), National payment transactions in HRK (payments under SEPA standards and formats), and International payment transactions (non SEPA). As of 01/02/2017 Direct Debits will be effected under the new SEPA regulations. CHANGES THAT THE SEPA BRINGS The SEPA has a direct impact on Payers (payment initiators), Payees (payment beneficiaries) and Payment Service Providers (banks, payment system institutions). The requirements for sending and receiving payment orders in the SEPA standard: Mandatory use of: IBAN as the identifier of the payment account

3 USING FORMATS IN THE PAYMENT SYSTEM FROM 06/06/2016 The HUB 3 format There are no changes to the HUB 3 format submitted in the paper form at a bank teller s counter. Changes in the bulk payments database Instead of the existing textual bulk payment database for electronic payments, banks will receive only credit transfers in the XML format message pain.001 SEPA pain.001 messages are used for all payments in kuna, euro and other currencies, which payments are placed electronically or submitted at a bank teller s counter in the form of a database. MESSAGE TYPES AS UNDER THE SEPA STANDARD Credit Transfer (message pain.001) A payment order initiated by the Payer towards their Payment Service Providers (bank) which the bank transfers to credit the Payee. It is used as the ISO XML format (replacement for the bulk payment order). today as of 06/06/2016 bulk order (txt) for SEPA credit transfer pain.001 (ISO XML 20022) 1 national payments in HRK 2 international payments in HRK or foreign currency 3 national payments in foreign currency 4 salaries, other regular and occasional payments for all types of payments and all currencies in one database The message pain.001 contains a group of data referring to the respective bulk payment order (mostly optional fields). For salary disbursement within the framework of the mentioned message pain.001, no Specification is required, but only selecting of a special mark for salary disbursement.

4 Reporting messages (notifications and account statements) The SEPA allows clients to receive various types of reports containing a wider set of data and information with respect to the existing reports. If a client wishes to input the statements and notifications in the SEPA format into their system, the client s system will require technical adjustments. Types of SEPA messages Messages in the XML format: The message pain.002 notification of rejected payment orders from the pain.001 database placed through electronic banking. The message camt.053 account statement. The message camt.052 intra-day account statement, contains data on movements and balance in the account during the day. Camt. messages contain items of return and positive reply to a payment order recall. WHO REQUIRES ADJUSTMENTS FOR MIGRATING TO THE SEPA REGULATIONS? Private individuals (consumers) effect all payment orders at a teller s counter or through the internet banking just as they have done so far. Business entities (commercial companies, craftspeople, agricultural professionals and free professionals) who use bulk payment order databases for electronic payments, will need to adjust their system for creating databases in the new XML format. If you input into your information technology system the new types of reporting messages (pain.002 and camt.053/052), system adjustment must be performed in keeping with the prescribed SEPA schemes for accepting and inputting the respective messages. Verify whether the invoices you deliver to your business partners contain the required information: IBAN and BIC. Payment Service Providers Banks, payment systems (NCS, CSLP) and other Payment Service Providers adjust their systems and IT solutions so as to be in alignment with the SEPA standards. The required documentation and the final formats are available on the official SEPA web site Temporary Client support through the conversion application In the interim period (after 06/06/2016) Clients business entities who place their payment orders in the form of an electronic database will have at their disposal the application for database conversion for the following payment order types: 1, 2, 3 and 4 (for the execution manner 2 bulk payment order), whereas the conversion of the payment order type 4 (the execution manner 1 Specification) is not provided. Details on the possibility to download the database conversion application are available on the official FINA web site Please note that the application use will be free of charge until 01 June 2018, after which date it will be available only at a fee. We advise that your system be adjusted as soon as possible so that you can perform your business in alignment with the new regulations and without any disturbances.

5 DIRECT DEBIT SEPA Direct Debit message pain.008 to be implemented as of 01/02/2017 The Payee initiates a payment database through their Payment Service Provider by debiting the Payer s account, for which database the Payer provided their approval. The Direct Debit service is conditioned by contracting agreement documentation between the Payer, the Payee and the Payment Service Provider. In order to make a timely adjustment of your system for creating the new format of the Direct Debit database, which will be in the SEPA format ISO XML message pain.008 as of 01/02/2017, the system requires adjustments to the electronic format in alignment with the rules of the HRK SDD scheme. The required documentation and the final formats are available on the official SEPA web site or on the Raiffeisen bank site What is the Difference between the Standing Order and the Direct Debit? Standing Orders will continue to be one of the services which the Payer agreed with the Bank and will be effected as until now. Standing orders debit the Payer s account monthly for a fixed amount. Direct Debit is a payment service initiated by the Payee towards their Payment Service Provider, on the basis of the Payer s approval given to the Payee, and the amount to debit the Payer s account is, as a rule, variable monthly.

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