Implementation of ISO 20022: starter kit for software partners

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Implementation of ISO 20022: starter kit for software partners"

Transcription

1 Insert images: Swiss Post menu > image > insert image. For more images go to Technical details Full screen image size W 25.4 cm x H cm equals W 1500 pixels x H 1125 pixels Resolution 150 dpi Implementation of ISO 20022: starter kit for software partners April 2016 If you can read this text, you must add the slide again in the Swiss Post menu with the Add Slide function. Otherwise, no image can be placed behind the surface!

2 What can you find in this starter kit? Positioning of Starter kit for software partners Accounts payable Issuing payment orders Accounts receivable Processing inpayments Accounts receivable Collecting direct debits Quality assurance and testing with the PostFinance test platform ISO readiness check More information and links PostFinance Ltd Harmonization of Swiss payment transactions Starter kit for software partners April 2016 Slide 2

3 Starter kit for software partners Guidelines for focused implementation of ISO The implementation of ISO in the Harmonization of payment transactions in Switzerland can be carried out in different formats: Small S format: Technical migration Medium M format: Migration and optimization Large L format: Digital integration Objective: We simply want to be able to continue executing payment transactions. Traditional business Objective: We want to take advantage of selected new payment transactions. Traditional business with optimizations Objective: We want to integrate payment transactions into the value chain. Ready for digitization In S format (small), this starter kit provides a guide to the basic implementation of ISO New or value-added features of ISO are deliberately hidden to allow minimal implementation. Focus of this starter kit (no starter kits are planned for the M and L formats. Further documentation is available from PostFinance; see last slide). PostFinance Ltd Harmonization of Swiss payment transactions Starter kit for software partners April 2016 Slide 3

4 Starter kit for software partners Scope of focused implementation of ISO Typical applications Previous names Issuing payment orders Processing inpayments Collecting direct debits Paying invoices with an inpayment slip with/without a reference number Executing domestic payments Executing salary payments EPO TXT (PostFinance) DTA (other banks) Scope of application Accounts payable Salary New message type Special settings Notification and account statement pain.001 XML schema V2 Batch debit* always active Notification management* based on PostFinance master data PDF account statement in e- finance Paper account statement (subject to a charge) Processing ISR credit notifications (incoming payments) ISR V11 file (PostFinance) BISR file (other banks) Accounts receivable camt.054 XML schema V4 Notification of service camt.054 only PDF account statement in e-finance Paper account statement (subject to a charge) Collecting CH-DD Direct Debits (CHF, EUR) for private customers Collecting CH-DD Direct Debits (CHF, EUR) for business customers Debit Direct (PostFinance) LSV+/BDD (other banks) Accounts receivable pain.008 CH-DD (PostFinance): XML schema V2 CH-TA (other banks) Notification of service camt.054 only PDF account statement in e-finance Paper account statement (subject to a charge) Key information IBAN account numbers ISR reference number IBAN account numbers PostFinance Ltd Harmonization of Swiss payment transactions Starter kit for software partners April 2016 * Explanation in section More information and links Slide 4

5 What can you find in this starter kit? Positioning of Starter kit for software partners Accounts payable Issuing payment orders Accounts receivable Processing inpayments Accounts receivable Collecting direct debits Quality assurance and testing with the PostFinance test platform ISO readiness check More information and links PostFinance Ltd Harmonization of Swiss payment transactions Starter kit for software partners April 2016 Slide 5

6 Issuing payment orders Settling invoices and executing salary payments The following documents with section references provide more information for payment orders in accordance with ISO ( pain.001 ): Document reference Swiss Business Rules for Payments and Cash Management [ww w.six-interbank-clearing.com/iso-payments] Swiss Implementation Guidelines for Credit Transfer in Payment Transactions [ww w.six-interbank-clearing.com/iso-payments] PostFinance Ltd user manual [ww w.postfinance.ch/harmonisation-documents] EPO manual: Electronic payment order [ww w.postfinance.ch/harmonisation-documents] Electronic account documents manual [w w w.postfinance.ch/harmonisation-documents] Section references Transfers to a financial institution in Switzerland Focus on payment methods 1, 3 and Summary of message flow 3.2 Message structure Customer Credit Transfer Initiation 4.1 Principles of message structure Procedure for the validation by the financial institution Payment types Group Header (GrpHdr, A level) Payment Information (PmtInf, B level) Credit Transfer Transaction Information (CdtTrfTxInf, C level) Character set 3.1 Settling an inpayment slip with reference number (ISR) 3.3 Execution of domestic payments without a slip 3.7 Execution of salary payments Additional technical information on the Swiss Implementation Guidelines Not relevant in this starter kit we use the following for notifications: PDF in e-finance Paper (subject to a charge) PostFinance Ltd Harmonization of Swiss payment transactions Starter kit for software partners April 2016 Slide 6

7 Processing inpayments Receiving credits for invoices, closing open items The following documents with section references provide more information on processing credits in accordance with ISO ( camt.054 ISR ): Document reference Swiss Business Rules for Payments and Cash Management [ww w.six-interbank-clearing.com/iso-payments] Swiss Implementation Guidelines for Cash Management [ww w.six-interbank-clearing.com/iso-payments] PostFinance Ltd user manual [ww w.postfinance.ch/harmonisation-documents] ISR Manual [ww w.postfinance.ch/harmonisation-documents] Electronic account documents manual [ww w.postfinance.ch/harmonisation-documents] Section references 9.2 Different versions of camt.052, camt.053 and camt References <Refs>, D level 9.8 Bank to Customer Debit Credit Notification (camt.054) 4 Bank-to-Customer Debit/Credit Notification (camt.054) ISR reference numbers in camt messages 5.4 Specific representation of certain transaction types in account statement camt.053 Focus on the ISR Payment column 4.1 Processing an ISR credit notification 5.3 Additional technical information on the Swiss Implementation Guidelines Not relevant in this starter kit we use the following for notifications: PDF in e-finance Paper (subject to a charge) PostFinance Ltd Harmonization of Swiss payment transactions Starter kit for software partners April 2016 Slide 7

8 Collecting direct debits Charging for services and executing direct debits The following documents with section references provide more information for processing direct debits in accordance with ISO ( pain.008 ): Document reference Swiss Business Rules for Payments and Cash Management [ww w.six-interbank-clearing.com/iso-payments] Swiss Implementation Guidelines for the Swiss Direct Debit Procedure [ww w.six-interbank-clearing.com/iso-payments] PostFinance Ltd user manual [ww w.postfinance.ch/harmonisation-documents] CH-DD Direct Debit Manual [ww w.postfinance.ch/harmonisation-documents] Electronic account documents manual [ww w.postfinance.ch/harmonisation-documents] Section references Direct Debit Initiation for the Swiss direct debit procedure 3.1 Summary of message flow 3.3 Message structure Customer Direct Debit Transfer Initiation 4.1 Principles of message structure 5 Customer Direct Debit Initiation Group Header (GrpHdr, A level) Payment Information (PmtInf, B level) Direct Debit Transaction Information (DrctDbtTxInf, C level) Character set 4.5 Collection of a CH-DD COR1 Direct Debit in CHF in Switzerland 4.6 Collection of a CH-DD B2B Direct Debit in CHF in Switzerland 5 Additional technical information on the Swiss Implementation Guidelines Not relevant in this starter kit we use the following for notifications: PDF in e-finance Paper (subject to a charge) PostFinance Ltd Harmonization of Swiss payment transactions Starter kit for software partners April 2016 Slide 8

9 What can you find in this starter kit? Positioning of Starter kit for software partners Accounts payable Issuing payment orders Accounts receivable Processing inpayments Accounts receivable Collecting direct debits Quality assurance and testing with the PostFinance test platform ISO readiness check More information and links PostFinance Ltd Harmonization of Swiss payment transactions Starter kit for software partners April 2016 Slide 9

10 Quality assurance and testing Using the PostFinance test platform and gaining experience With the PostFinance test platform, you can test your payment orders [pain.001], ISR credit files [camt.054] and debits [pain.008] at any time: PostFinance Ltd Harmonization of Swiss payment transactions Starter kit for software partners April 2016 Slide 10

11 Quality assurance and testing Using the PostFinance test platform and gaining experience Simply register for the PostFinance test platform via the Internet: You can register without a specific PostFinance agreement. The test platform gives you best practice test cases with sample files. Load a virtual account with an IBAN on the test platform and use this for your test cases. The virtual account is used for payment orders [pain.001], credits [camt.054 ISR] and debits [pain.008], allowing you to continuously process use cases. PostFinance Ltd Harmonization of Swiss payment transactions Starter kit for software partners April 2016 Slide 11

12 What can you find in this starter kit? Positioning of Starter kit for software partners Accounts payable Issuing payment orders Accounts receivable Processing inpayments Accounts receivable Collecting direct debits Quality assurance and testing with the PostFinance test platform ISO readiness check More information and links PostFinance Ltd Harmonization of Swiss payment transactions Starter kit for software partners April 2016 Slide 12

13 ISO readiness check Three levels are tested to determine which scope will be implemented With the ISO readiness check of software products, two different goals are pursued: 1. Qualitative check of a software product with the software partner on the basis of defined use cases for accounts payable, accounts receivable and cash management. 2. Create an incentive for providing the most comprehensive function set possible for ISO the starter kit begins with the basics and allows you to implement more features as required. PostFinance Ltd Harmonization of Swiss payment transactions Starter kit for software partners April 2016 Slide 13

14 ISO readiness check Three levels are tested to determine which scope will be implemented ISO readiness is assessed at different levels. This starter kit addresses Level 1, Traditional business. Accounts payable management Accounts receivable management Cash and liquidity management ISO readiness Level 3 Ready for digitization Interfaces for digital archive [ERP or payment software issues/offers document management system] Order cockpit offers process control [ERP or payment software order status in overview activated] Order notification [camt.054] Credit notification (with image) [camt.054 IS] Intraday account statement [camt.052] Option Option ISO readiness Level 2 Traditional business with optimizations Manage order notifications [Differing notification management with the formats NOA, SIA, CND, CWD] Processing status [pain.002] Direct digital channel [FDS, TBS, OLFT] CH-DD credit notification [camt.054 DD] and/or Processing status [pain.002] Process account statements electronically [camt.053], [camt.054 ISR/OSR], [camt.054 DD], camt.054 IS] ISO readiness Level 1 Traditional business Payment order [pain.001] Interactive digital channel [e-finance] Direct debit order [pain.008] and/or ISR credit notification [camt.054 ISR] Account statement Paper or PDF Focus of this starter kit PostFinance Ltd Harmonization of Swiss payment transactions Starter kit for software partners April 2016 Slide 14

15 What can you find in this starter kit? Positioning of Starter kit for software partners Accounts payable Issuing payment orders Accounts receivable Processing inpayments Accounts receivable Collecting direct debits Quality assurance and testing with the PostFinance test platform ISO readiness check More information and links PostFinance Ltd Harmonization of Swiss payment transactions Starter kit for software partners April 2016 Slide 15

16 More information and links Notes on terms used in this starter kit Term Notification management for payment orders After executing payment orders, PostFinance delivers an execution confirmation (pain.001) in camt.054 XML format or as a PDF. The execution confirmation can be managed in the payment order: The notification can be presented in different ways; see section Execution confirmation in EPO Manual: Electronic payment order. Further details Reference to IG Credit Transfer (Payment Transactions) ISO index 2.20: Payment Information +Debtor Account ++Type +++Proprietary Possible settings: NOA, SIA, CND, CWD PostFinance Ltd Harmonization of Swiss payment transactions Starter kit for software partners April 2016 Slide 16

17 More information and links Notes on terms used in this starter kit Term Batch debit or debit per transaction Business customers see a batch debit for each order and each initial currency on their account statement by default. When issuing an order, you can use the Batch Booking field in pain.001 to select whether a debit (booking) per transaction (false) or whether a batch booking per order or per initial currency (true) should be shown. Further details Reference to IG Credit Transfer (Payment Transactions) ISO index 2.3: Payment Information +Batch Booking Possible settings: true, false PostFinance Ltd Harmonization of Swiss payment transactions Starter kit for software partners April 2016 Slide 17

18 More information and links Notes on terms used in this starter kit Term ISR credit data with reference information Credit data with ISR reference information is delivered in the camt.054 notification. This notification replaces the credit files in V.11 format. Further details Reference to the Electronic account documents manual ISO index 2.236: Transaction Details +Remittance Information ++Structured +++Creditor Reference Information ++++Reference PostFinance Ltd Harmonization of Swiss payment transactions Starter kit for software partners April 2016 Slide 18

19 More information and links Notes on terms used in this starter kit Term IS credit data with messages Credit data with IS messages is delivered in the camt.054 notification (counter payments only with the IS full recording service; slip images can be delivered without IS full recording). Messages according to customer order are delivered by PostFinance in a separate XML field. The field is used in the financial center s IG Cash Management ; a reconciliation of data fields is planned. Further details Reference to the Electronic account documents manual ISO index 2.235: Transaction Details +Remittance Information ++Unstructured PostFinance Ltd Harmonization of Swiss payment transactions Starter kit for software partners April 2016 Slide 19

20 More information and links The ISO Bookcase is fully stocked The Bookcase gives you an overview of the regularly updated documents and manuals. PostFinance Ltd Harmonization of Swiss payment transactions Starter kit for software partners April 2016 Slide 20

21 More information and links Websites with in-depth information Information from PostFinance Website description Information on the harmonization of Swiss payment transactions at PostFinance Information on ISO Information on ISO in EPOs Information on ISO in account notifications Information on ISO for CH-DD Debit Direct Information on IBAN PostFinance test platform Information from the Swiss financial center Website description Website of the Swiss financial center for the harmonization of Swiss payment transactions Information from SIX on the implementation of the ISO standard in Switzerland Information on the harmonization of payment transactions in Switzerland SIX validation platform PostFinance Ltd Harmonization of Swiss payment transactions Starter kit for software partners April 2016 Link ww w.postfinance.ch/harmonization-pt ww w.postfinance.ch/iso20022 ww w.postfinance.ch/epo ww w.postfinance.ch/e-doc ww w.postfinance.ch/sdd ww w.postfinance.ch/iban isotest.postfinance.ch Link ww w.paymentstandards.ch ww w.iso-payments.ch ww w.iso20022.ch validation.iso-payments.ch Slide 21

499.35 en (pf.ch/dok.pf) 11.2015 PF. EPO manual Electronic payment order via file transfer

499.35 en (pf.ch/dok.pf) 11.2015 PF. EPO manual Electronic payment order via file transfer 499.35 en (pf.ch/dok.pf) 11.2015 PF EPO manual Electronic payment order via file transfer Customer support Customer support for EPO Consulting & Sales Phone +41 848 888 900 (CHF 0.08/min. from a landline)

More information

Migration of the customerbank

Migration of the customerbank Migration of the customerbank interface Information event for software companies Migration Payment Traffic Switzerland Credit Suisse AG, Michael Wunderl Zurich, 11 September 2014 Migration of the customer-bank

More information

480.84 en (pf.ch/dok.pf) 10.2015 PF. Manual PostFinance ISO messages for banks [pacs messages]

480.84 en (pf.ch/dok.pf) 10.2015 PF. Manual PostFinance ISO messages for banks [pacs messages] 480.84 en (pf.ch/dok.pf) 10.2015 PF Manual PostFinance ISO messages for banks [pacs messages] Customer service Enquiries concerning service ISO 20022 for banks PostFinance Ltd Customer Service Banks Mingerstrasse

More information

Q&A Payment Transaction Standardization in Europe and Switzerland

Q&A Payment Transaction Standardization in Europe and Switzerland Payment Transaction Standardization in Europe and Switzerland Version: October 2015 Payment Transaction Standardization in Europe and Switzerland General Introduction Starting February 1, 2014, Europe

More information

Introduction. SEPA Credit Transfers (SCT) Overview of the domestic formats

Introduction. SEPA Credit Transfers (SCT) Overview of the domestic formats Introduction This document provides an overview of all the country specific information you need to successfully implement your migration to SEPA in Switzerland. Intending to provide a global picture of

More information

SNS Bank addendum on the XML message for SEPA Credit Transfer Initiation Implementation Guidelines for the Netherlands

SNS Bank addendum on the XML message for SEPA Credit Transfer Initiation Implementation Guidelines for the Netherlands SNS Bank addendum on the XML message for SEPA Credit Transfer Initiation Implementation Guidelines for the Netherlands Version 1.2 April 2015 1-14 Contents 1. Introduction... 8 Character Set... 9 2. Message

More information

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

SEPA. Changes in the Payment System Implementation of the European SEPA Regulations for Kuna and Euro Payments SEPA Changes in the Payment System Implementation of the European SEPA Regulations for Kuna and Euro Payments SEPA The Single Euro Payments Area (SEPA) stands for a European Union (EU) payments integration

More information

ABNAMRO addendum on the XML message for SEPA Credit Transfer Initiation Implementation Guidelines for the Netherlands

ABNAMRO addendum on the XML message for SEPA Credit Transfer Initiation Implementation Guidelines for the Netherlands on the XML message for SEPA Credit Transfer Initiation Implementation Guidelines for the Netherlands Version 1.0 December 2010 Contents 1. Introduction...8 Character Set...9 2. Message items description...10

More information

SEPA (ISO XML) Direct Debit payments. July 2014

SEPA (ISO XML) Direct Debit payments. July 2014 SEPA (ISO 20022 XML) Direct Debit payments This white paper describes the functionality in Microsoft Dynamics AX that supports the Single Euro Payments Area (SEPA) Direct Debit (ISO 20022 XML) payment

More information

SEPA CORE DIRECT DEBIT SCHEME CUSTOMER-TO-BANK IMPLEMENTATION GUIDELINES

SEPA CORE DIRECT DEBIT SCHEME CUSTOMER-TO-BANK IMPLEMENTATION GUIDELINES Doc: EPC130-08 30 November 2012 (Version 7.0 Approved) EPC SEPA CORE DIRECT DEBIT SCHEME CUSTOMER-TO-BANK IMPLEMENTATION GUIDELINES Abstract Document Reference Issue This document sets out the rules for

More information

XML message for Payment Initiation Implementation Guideline. Version 1.02

XML message for Payment Initiation Implementation Guideline. Version 1.02 XML message for Payment Initiation Implementation Guideline Version 1.02 Version 1.02 Changes Updated 20131211 1) SEB specific rule added under tag 2.44 Equivalent Amount 2) To the tag 2.89 Regulatory

More information

RF Creditor Reference

RF Creditor Reference RF Creditor Reference Facilitating full end-to-end straight-through payment processing version 1.0, May 2010 RF Expert Group 2 (36) Page RF Creditor Reference... 1 Facilitating full end-to-end straight-through

More information

Service description. Corporate Access Payables

Service description. Corporate Access Payables Service description Corporate Access Payables Table of contents Page 2 of 12 1 INTRODUCTION... 3 2 STRUCTURE OF DOCUMENTATION... 4 3 AGREEMENT SET-UP... 4 4 AVAILABLE MESSAGE TYPES... 5 5 OFFERED PAYMENT

More information

Format description XML SEPA Credit Transfer. Format Description

Format description XML SEPA Credit Transfer. Format Description Format description XML SEPA Credit Transfer Format Description CONTENTS 1 SEPA CT Import format 3 1.1 SEPA CT import format description 3 1.1.1 Description 3 1.1.2 General characteristics 3 1.1.3 Difference

More information

sepa.bnpparibas.com Cash Management IMPLEMENTING SEPA Your challenges, our expertise

sepa.bnpparibas.com Cash Management IMPLEMENTING SEPA Your challenges, our expertise sepa.bnpparibas.com Cash Management IMPLEMENTING SEPA Your challenges, our expertise February 1, 2014: end of the SEPA transition period The SEPA Migration Regulation which came into force on April 2,

More information

Rien que pour vos flux :

Rien que pour vos flux : Rien que pour vos flux : La payment factory et les comptes virtuels au service des transferts pour compte de From SEPA compliance to benefits COBO Payment On Behalf Of POBO SEPA benefits Central Payment

More information

Swedish Common Interpretation of ISO 20022 Payment Messages. Appendix 1: Common Payment Types in Sweden

Swedish Common Interpretation of ISO 20022 Payment Messages. Appendix 1: Common Payment Types in Sweden Swedish Common Interpretation of ISO 20022 Payment Messages Appendix 1: 2 (27) Version Date Changes 0.1 2013-12-11 Initial version 1.0 2014-02-10 Updates after external review Page 5: Added that BG/PG

More information

Service Description XML Account Reporting

Service Description XML Account Reporting Service Description XML Account Reporting 6.10.2016 2 Table of Contents 1 XML account reporting... 3 1.1 General... 3 1.2 XML account reporting services... 3 1.2.1 XML balance query (camt.052)... 3 1.2.2

More information

Single Euro Payments Area SEPA Herman Ciappara Payments & Banking Department Central Bank of Malta

Single Euro Payments Area SEPA Herman Ciappara Payments & Banking Department Central Bank of Malta Single Euro Payments Area SEPA Herman Ciappara Payments & Banking Department Central Bank of Malta 1 1 Outline What is SEPA? Objectives Opportunities Important SEPA Dates Impact of SEPA Challenges 2 2

More information

SEPA Country-Specific Information Italy

SEPA Country-Specific Information Italy SEPA Country-Specific Information Italy Cash Management & ebanking January 2014 Contents INTRODUCTION 3 END-DATE INFORMATION 3 IBAN CONVERSION SERVICE 3 SEPA PRODUCTS 4 SEPA CREDITOR IDENTIFIER (CI) 6

More information

White Paper on Extended Remittance Information (ERI) and Payment Notification

White Paper on Extended Remittance Information (ERI) and Payment Notification White Paper on Extended Remittance Information (ERI) and Payment Notification (Version 1.0, February 2015) Note: Relevant regulations and any applicable legislation take precedence over the guidance notes

More information

SEPA (ISO XML) credit transfer payments. July White paper

SEPA (ISO XML) credit transfer payments. July White paper SEPA (ISO 20022 XML) credit transfer payments This white paper describes the functionality in Microsoft Dynamics AX that supports the standard Single Euro Payments Area (SEPA) credit transfer (ISO 20022

More information

SEPA domiciliation FAQ

SEPA domiciliation FAQ SEPA domiciliation FAQ To see the FAQ about SEPA Direct Debit, click on the question to accede directly to our answers! 1. What is SEPA domiciliation (Sepa Direct Debit = SDD)? 2. What happens after 01/02/2014?

More information

ERP SEPA readiness checklist

ERP SEPA readiness checklist ERP SEPA readiness checklist version July 2013 www.ingsepa.com Financial Supply Chain SEPA This list contains 11 questions to determine the level of SEPA-readiness of an ERP 1. The first 3 questions deal

More information

ISO 20022 PAYMENT GUIDE. Messages: Pain.001.001.03 Pain.002.001.03

ISO 20022 PAYMENT GUIDE. Messages: Pain.001.001.03 Pain.002.001.03 ISO 20022 PAYMENT GUIDE Messages: Pain.001.001.03 Pain.002.001.03 20.11.2012 1 ISO 20022 Payment Guide Table of Contents 1 Background... 3 1.1 SEPA and ISO 20022... 3 1.2 Usage of ISO 20022 in Finland...

More information

E-payment manual PostFinance payment methods for online shops

E-payment manual PostFinance payment methods for online shops E-payment manual PostFinance payment methods for online shops 499.45 en (pf.ch/dok.pf) 12.2013 PF Manual PostFinance payment methods for online shops Version December 2013 1/14 Contact details for PostFinance

More information

SEPA Country-Specific Information Austria

SEPA Country-Specific Information Austria SEPA Country-Specific Information Austria Cash Management & ebanking January 2014 Contents INTRODUCTION 3 END-DATE INFORMATION 3 IBAN CONVERSION SERVICE 3 SEPA PRODUCTS 4 SEPA CREDITOR IDENTIFIER (CI)

More information

SEPA LOCAL PRACTICES AND IMPLEMENTATION GUIDELINES*

SEPA LOCAL PRACTICES AND IMPLEMENTATION GUIDELINES* BNP Paribas SEPA Newsletter Issue September 2013 SEPA LOCAL PRACTICES AND IMPLEMENTATION GUIDELINES* SEPA (Single Euro Payments Area) aims to harmonise formats and processes for euro payments across every

More information

SEPA CREDIT TRANSFER SCHEME CUSTOMER-TO-BANK IMPLEMENTATION GUIDELINES

SEPA CREDIT TRANSFER SCHEME CUSTOMER-TO-BANK IMPLEMENTATION GUIDELINES Doc: EPC132-08 17 November 2011 (Version 6.0 Approved) EPC SEPA CREDIT TRANSFER SCHEME CUSTOMER-TO-BANK IMPLEMENTATION GUIDELINES Abstract Document Reference Issue This document sets out the rules for

More information

Addendum on the XML message for SEPA Direct Debit Initiation (PAIN)

Addendum on the XML message for SEPA Direct Debit Initiation (PAIN) Deutsche Deutsche Bank Bank Addendum on the XML message for SEPA Direct Debit Initiation (PAIN) Addendum on the XML message for SEPA Direct Debit Initiation (PAIN) 01 Contents Introduction 03 1.1 Change

More information

SEPA CREDIT TRANSFER SCHEME INTER-BANK IMPLEMENTATION GUIDELINES

SEPA CREDIT TRANSFER SCHEME INTER-BANK IMPLEMENTATION GUIDELINES Doc: EPC115-06 25 November 2014 (Version 8.0 Approved) EPC SEPA CREDIT TRANSFER SCHEME INTER-BANK IMPLEMENTATION GUIDELINES Abstract Document Reference Issue This document sets out the rules for implementing

More information

ISO 20022 ACCOUNT STATEMENT GUIDE. v 1.3

ISO 20022 ACCOUNT STATEMENT GUIDE. v 1.3 ISO 20022 ACCOUNT STATEMENT GUIDE v 1.3 4.10.2012 1 ISO 20022 Account Statement Guide Table of contents 1 Introduction... 3 2 General... 3 2.1 Effects on customer routines... 4 2.2 Activities... 4 3 Electronic

More information

SEPA Direct Debit Implementation Guide. Version 1.7

SEPA Direct Debit Implementation Guide. Version 1.7 SEPA Direct Debit Implementation Guide Version 1.7 DANSKE BANK Table of contents 1 Change log... 3 2 Purpose of this document... 4 2.1 Target groups... 4 2.2 Help... 4 3 Introduction to SEPA Direct Debit...

More information

SEPA CREDIT TRANSFER SCHEME INTER-BANK IMPLEMENTATION GUIDELINES

SEPA CREDIT TRANSFER SCHEME INTER-BANK IMPLEMENTATION GUIDELINES Doc: EPC115-06 30 November 2012 (Version 7.0 Approved) EPC SEPA CREDIT TRANSFER SCHEME INTER-BANK IMPLEMENTATION GUIDELINES Abstract Document Reference Issue This document sets out the rules for implementing

More information

SEPA DATA MODEL. Reason for Issue Approved by the EPC Plenary on 13 December 2006

SEPA DATA MODEL. Reason for Issue Approved by the EPC Plenary on 13 December 2006 Doc: EPC029-06 (Version 2.2) 13 December2006 OITS SG SEPA DATA MODEL Abstract Document Reference Issue This document sets out the SEPA Data Model which is referred to in the SEPA Credit Transfer and Direct

More information

Functional specifications for Nordea XML Direct Debit (NDD) Corporate egateway

Functional specifications for Nordea XML Direct Debit (NDD) Corporate egateway Functional specifications for Nordea XML Direct Debit (NDD) Corporate egateway Table of contents 1 Introduction... 1 1.1 NDD documents 1 2 Basic description of the NDD service... 1 2.1 Basic architecture

More information

SEPA as a driver for streamlining receivables

SEPA as a driver for streamlining receivables SEPA 2.0: Opportunities and challenges after the end-date by Luca Poletto, BNP Paribas Five years after the go-live date of the first Single Euro Payments Area (SEPA) instrument, we are in the last sprint

More information

HSBC Your Guide to SEPA. Capitalising on the opportunities

HSBC Your Guide to SEPA. Capitalising on the opportunities HSBC Your Guide to SEPA Capitalising on the opportunities Executive Summary Developed by the European Payments Council, the Single Euro Payments Area or SEPA expands on the vision behind the Euro to establish

More information

Direct Exchange Notes on the Electronic Interface Technical Documentation

Direct Exchange Notes on the Electronic Interface Technical Documentation Page 1/Page 75 Table of Contents 1. Introduction 5 2. Overview of Available Banking Services 6 3. Formats: File-Naming Conventions 7 4. Data Exchange/Communication 9 4.1 Delivery of Files to Eingang Directory

More information

SEPA Credit Transfer Customer-to-Bank Implementation Guidelines for the Netherlands

SEPA Credit Transfer Customer-to-Bank Implementation Guidelines for the Netherlands SEPA Credit Transfer Customer-to-Bank Implementation Guidelines for the Netherlands Disclaimer These guidelines may be subject to changes. Utmost care has been taken to ensure the information in this publication

More information

Bank Reconciliation September 2016 P R E F A C E. This is the Bank Reconciliation reference guide for IQ Business & IQ Enterprise software systems.

Bank Reconciliation September 2016 P R E F A C E. This is the Bank Reconciliation reference guide for IQ Business & IQ Enterprise software systems. BANK RECONCILIATION P R E F A C E This is the Bank Reconciliation reference guide for IQ Business & IQ Enterprise software systems. The document will aid in understanding and configuration of the Bank

More information

SWIFTReady for Corporates Cash Management

SWIFTReady for Corporates Cash Management Service Partners SWIFTReady for Corporates Cash Management Label Criteria 2012 This document explains the business criteria needed to obtain the SWIFTReady for Corporates Cash Management label, aimed at

More information

SEPA DIRECT DEBIT SCHEME IMPLEMENTATION GUIDELINES

SEPA DIRECT DEBIT SCHEME IMPLEMENTATION GUIDELINES Doc: EPC114-06 19 June 2007 (Version 2.3 ) OITS SG SEPA DIRECT DEBIT SCHEME IMPLEMENTATION GUIDELINES Abstract Document Reference Issue This document sets out the SEPA rules for implementing the direct

More information

Addendum on the XML message for SEPA Direct Debit Initiation (PAIN)

Addendum on the XML message for SEPA Direct Debit Initiation (PAIN) Addendum on the XML message for SEPA Direct Debit Initiation (PAIN) Version 9.0 April 2016 Table of content 1 Introduction 4 1.1 Related documents 5 1.2 Character Set 5 1.3 Change history 6 1.4 Summary

More information

Launch of the new SENT module based on SEPA standards

Launch of the new SENT module based on SEPA standards Get ready for SEPA Launch of the new SENT module based on SEPA standards Magdalena Oprea, Project Manager, Marketing, Sales & Development Department e Solutions for perform@nce Agenda SEPA National Program

More information

SEPA Functionality in Microsoft Dynamics NAV. Heidi Andreasen Program Manager. Tomás Navarro Casbas Senior Program Manager Lead

SEPA Functionality in Microsoft Dynamics NAV. Heidi Andreasen Program Manager. Tomás Navarro Casbas Senior Program Manager Lead SEPA Functionality in Heidi Andreasen Program Manager Tomás Navarro Casbas Senior Program Manager Lead November 2013 Contents Introduction 3 About SEPA 3 Generic SEPA Functionality in All Country Versions

More information

Format Description SWIFT MT940 Structured

Format Description SWIFT MT940 Structured Format Description SWIFT MT940 Structured Rabo Cash Management Colophon Title Format Description SWIFT MT940 Structured Version, date 3.331, November 2014 On behalf of Zakelijke Klantkanalen Contact address

More information

Implementing SEPA in Au s t r ia

Implementing SEPA in Au s t r ia Implementing SEPA in Au s t r ia All you need to know for a successful SEPA migration Introduction This document gives you an overview of all the country specific information you need to implement successfully

More information

Intra-day payment Frequently asked questions

Intra-day payment Frequently asked questions Intra-day payment Frequently asked questions Contents 1. THE MEANING, advantages and scope of intra-day payment... 3 1.1. What does the launch of intra-day payment mean?... 3 1.2. What advantages does

More information

SEPA Country-Specific Information Hungary

SEPA Country-Specific Information Hungary SEPA Country-Specific Information Hungary Cash Management & ebanking January 2014 Contents INTRODUCTION 3 END-DATE INFORMATION 3 IBAN CONVERSION SERVICE 3 SEPA PRODUCTS 4 SEPA CREDITOR IDENTIFIER (CI)

More information

ISO 20022 Payments Standard Initiative Consultation Summary

ISO 20022 Payments Standard Initiative Consultation Summary ISO 20022 Payments Standard Initiative Consultation Summary The CPA ISO 20022 Project Team March 14, 2016 BACKGROUND From August 10 to September 30, 2015, the Canadian Payments Association (CPA) conducted

More information

Banana is a native application for Windows, Linux and Mac and includes functions that allow the user to manage different types of accounting files:

Banana is a native application for Windows, Linux and Mac and includes functions that allow the user to manage different types of accounting files: banana Accounting 7 TECHNICA NICAL DATA Applications and accounting types Banana is a native application for Windows, Linux and Mac and includes functions that allow the user to manage different types

More information

E-Payment manual PostFinance payment methods for online shops

E-Payment manual PostFinance payment methods for online shops E-Payment manual PostFinance payment methods for online shops 499.45 en (pf.ch/dok.pf) 02.2016 PF Manual PostFinance payment methods for online shops Version February 2016 1/16 Contents 1. General information

More information

Deutsche Bank Global Transaction Banking. Internet Bankieren. Entering Payments and Collections. www.deutschebank.nl

Deutsche Bank Global Transaction Banking. Internet Bankieren. Entering Payments and Collections. www.deutschebank.nl Deutsche Bank Global Transaction Banking Internet Bankieren Entering Payments and Collections www.deutschebank.nl Internet Bankieren Entering Payments and Collections 2 Entering payments and collections

More information

March 2014. Euro Payment. Manual

March 2014. Euro Payment. Manual March 2014 Euro Payment Manual Contents 1 Introduction 2 Euro Payment: characteristic features 2.1 Introduction 2.2 Differences compared to the Dutch credit transfer 2.3 IBAN and BIC 2.4 Timelines and

More information

SEPA in Slovakia. Quick facts. International Bank Account Number (IBAN) IBAN structure. 75 SEPA Country Sheets - Slovakia

SEPA in Slovakia. Quick facts. International Bank Account Number (IBAN) IBAN structure. 75 SEPA Country Sheets - Slovakia SEPA in Slovakia Useful links Slovak Central Bank www.nbs.sk/en/payment-systems/sepa SEPA Implementation Plan Download the PDF Slovak Banking Association www.sbaonline.sk/en Quick facts International Bank

More information

AX 2012 R3 SEPA (ISO 20022 XML) Credit transfer and direct debit payments Date: March 3 rd, 2015

AX 2012 R3 SEPA (ISO 20022 XML) Credit transfer and direct debit payments Date: March 3 rd, 2015 Contents Introduction... 2 Setup Credit Transfer... 3 Export the xml stylesheet for the payment format from AOT... 3 Setup a batch job to generate SEPA files... 4 Setup Outbound ports for electronic payments...

More information

Corporates. Current Account Overview of Prices and Conditions for Companies

Corporates. Current Account Overview of Prices and Conditions for Companies Corporates Current Account Overview of Prices and Conditions for Companies October, 205 Business Easy Package Simple and geared towards your needs as a small business, our comprehensive banking package

More information

Guide. 1 Dec 2010. Introduction of the global Structured Creditor Reference in Finnish companies. 1 December 2010

Guide. 1 Dec 2010. Introduction of the global Structured Creditor Reference in Finnish companies. 1 December 2010 1 Dec 2010 Guide Introduction of the global Structured Creditor Reference in Finnish companies 1 December 2010 Federation of Finnish Financial Services Contents Guide Introduction of the global Structured

More information

Page 1 of 38 www.experttraining.in Youtube.com/ViralJadhav viral@experttraining.in +91 9558821174

Page 1 of 38 www.experttraining.in Youtube.com/ViralJadhav viral@experttraining.in +91 9558821174 Page 1 of 38 www.experttraining.in Youtube.com/ViralJadhav viral@experttraining.in +91 9558821174 Don t just learn Data Entry in Tally.. Learn Complete Accounting and Taxation System with Industry Experts.

More information

Generate Electronic Payments in Accounts Payable

Generate Electronic Payments in Accounts Payable Generate Electronic Payments in Accounts Payable IMPORTANT NOTICE This document and the Sage 300 Construction and Real Estate software may be used only in accordance with the Sage 300 Construction and

More information

OP's C2B SERVICES Pain 03. Payment Transfer Products

OP's C2B SERVICES Pain 03. Payment Transfer Products OP's C2B SERVICES Pain 03 Payment Transfer Products Customer Guidelines March 2015 2/104 Version Key Changes Changed section November 2012 added money orders 13 C2B money orders July 2013 updated payment

More information

The successful introduction of a payment factory

The successful introduction of a payment factory Global Transaction Banking The successful introduction of a payment factory Implementing integration solutions based on best-practice components The purpose of this white paper The white papers published

More information

Creating international money transfers

Creating international money transfers Creating international money transfers About this guide This guide takes you through the process of creating international money transfers (IMT) through CommBiz. Important information If you are making

More information

Ljubljana, November 2012

Ljubljana, November 2012 RECOMMENDATIONS FOR CONDUCTING PAYMENT TRANSACTIONS THROUGH ELECTRONIC BANKING SYSTEMS FOR LEGAL ENTITIES, ENTREPRENEURS AND INDEPENDENT PROFESSIONAL OCCUPATION AT UNICREDIT BANKA SLOVENIJA D.D. Ljubljana,

More information

Single Euro Payments Area (SEPA) with Oracle E-Business Suite for German Banks

Single Euro Payments Area (SEPA) with Oracle E-Business Suite for German Banks Single Euro Payments Area (SEPA) with Oracle E-Business Suite for German Banks DOAG SIG-Meeting E-Business Suite Vienna, 27-SEP-2010 Daphne Schmitz Copyright 2010, Toshiba Corporation. Information Systems

More information

1. July 2016. Corporates: Current Account Overview of Prices and Conditions for Companies

1. July 2016. Corporates: Current Account Overview of Prices and Conditions for Companies 1. July 2016 Corporates: Current Account Overview of Prices and Conditions for Companies Business Easy Package Business Easy is the full-service offer for small and mediumsized businesses. It includes

More information

SEPA. Frequently Asked Questions

SEPA. Frequently Asked Questions SEPA Frequently Asked Questions Page 1 of 13 Contents General SEPA Questions... 4 What is SEPA?... 4 What is the aim of SEPA?... 4 What are the benefits of SEPA?... 4 What countries are included in SEPA?...

More information

Account Management System Guide

Account Management System Guide Account Management System Guide Version 2.2 March 2015 Table of Contents Introduction...5 What is the Account Management System?...5 Accessing the Account Management System...5 Forgotten Password...5 Account

More information

Product Documentation SAP Business ByDesign August Cash Flow Management

Product Documentation SAP Business ByDesign August Cash Flow Management Product Documentation PUBLIC Cash Flow Management Table Of Contents 1 Cash Flow Management.... 8 2 Business Background... 9 2.1 Point-of-Sale Transaction Processing... 9 2.2 Supplier Remittance Advices...

More information

Message flow and use of XML ISO20022 Messages Corporate egateway

Message flow and use of XML ISO20022 Messages Corporate egateway Message flow and use of XML ISO20022 Messages Corporate egateway Table of contents 1 PURPOSE OF THIS GUIDE... 1 2 INTRODUCTION... 1 2.1 THE XML ISO20022 MESSAGE STRUCTURE... 2 3 PROCESS FLOW AND VERIFICATION

More information

SEPA Migration Checklist

SEPA Migration Checklist SEPA Migration Checklist How far advanced is your organisation in its transition to SEPA standards? The scope of migration is surprisingly broad, with impacts likely along the entire financial supply chain.

More information

AND CHARGES AND SERVICE FEES OF TELENOR BANKA FOR INDIVIDUALS

AND CHARGES AND SERVICE FEES OF TELENOR BANKA FOR INDIVIDUALS PRODUCT CATA LOGUE AND CHARGES AND SERVICE FEES OF TELENOR BANKA FOR INDIVIDUALS CURRENT ACCOUNTS AND PAYMENT CARDS STARTER PACKAGE Multicurrency account Monthly current account maintenance Currencies

More information

How do I Process Discounts, Refunds and Rebates?

How do I Process Discounts, Refunds and Rebates? 1/5 How do I Process Discounts, Refunds and Rebates? 1. Introduction. 2. Discounts. 3. Invoice Discounts. 4. Payment Discounts. 5. Invoice Refunds. 6. Cash Refunds. 7. Rebates. 1. Introduction: You need

More information

SEPA! No "niche" of questions unanswered. Ready, set... Editorial

SEPA! No niche of questions unanswered. Ready, set... Editorial Ready, set... SEPA! Quarterly bulletin Number 9 2016 No "niche" of questions unanswered Editorial Two years have passed since the famous SEPA end date took place in February 2014. It's definitely one of

More information

SEPA CORE DIRECT DEBIT SCHEME INTER-BANK IMPLEMENTATION GUIDELINES

SEPA CORE DIRECT DEBIT SCHEME INTER-BANK IMPLEMENTATION GUIDELINES Doc: EPC114-06 25 November 2014 (Version 8.0 Approved) EPC SEPA CORE DIRECT DEBIT SCHEME INTER-BANK IMPLEMENTATION GUIDELINES Abstract Document Reference Issue This document sets out the rules for implementing

More information

The CBI experience. Liliana Fratini Passi

The CBI experience. Liliana Fratini Passi WORKSHOP STANDARDIZATION IN THE FIELD OF BANKING, SECURITIES AND OTHER FINANCIAL SERVICES: CURRENT AND FUTURE NEEDS The CBI experience Liliana Fratini Passi CEO CBI Consortium Amsterdam, 13 th May 2011

More information

Automate G/L Consolidation User Guide

Automate G/L Consolidation User Guide Automate G/L Consolidation User Guide Important Notice TaiRox does not warrant or represent that your use of this software product will be uninterrupted or error-free or that the software product can be

More information

XML ACCOUNT STATEMENT. Service Description

XML ACCOUNT STATEMENT. Service Description XML ACCOUNT STATEMENT Service Description October 2011 OY SAMLINK AB SERVICE DESCRIPTION 2 (18) Table of contents Table of contents Error! No table of contents entries found. OY SAMLINK AB SERVICE DESCRIPTION

More information

Spanish legacy branch code 4 numbers. Spanish legacy bank code 4 numbers

Spanish legacy branch code 4 numbers. Spanish legacy bank code 4 numbers SEPA in Spain Useful links Spanish official SEPA website (in Spanish language) http://www.sepaesp.es/ National Central Bank of Spain www.bde.es/bde/en Official Migration Guide for the Spanish market Download

More information

Standards MX Message Implementation Guide and Rule Book

Standards MX Message Implementation Guide and Rule Book Solutions SWIFT for Corporates Standards MX Message Implementation Guide and Rule Book Payment Initiation and Account Reporting This document describes and references a set of rules and guidelines you

More information

Bank Reconciliation need not be back breaking anymore!!!

Bank Reconciliation need not be back breaking anymore!!! Bank Reconciliation need not be back breaking anymore!!! Bank Reconciliation BankReconciliation.com takes the pain out of preparing bank reconciliations, credit card reconciliations, CUSIP and other data

More information

A GLOBAL LEADER IN VIRTUAL CARD TECHNOLOGY

A GLOBAL LEADER IN VIRTUAL CARD TECHNOLOGY TM TM TRAVEL A GLOBAL LEADER IN VIRTUAL CARD TECHNOLOGY TRAVEL For more information about how WEX Virtual can work for you, visit: wexinc.com/virtual-payments CONTENTS 1 What is a Virtual Credit Card?

More information

OUTGOING PAYMENTS ISO 20022 APPLICATION GUIDELINE

OUTGOING PAYMENTS ISO 20022 APPLICATION GUIDELINE Version 2.5 13.4.2016 OUTGOING PAYMENTS ISO 20022 APPLICATION GUIDELINE 2 (54) CONTENTS VERSION INFORMATION... 4 1 OUTGOING PAYMENTS, ISO 20022 APPLICATION GUIDELINE... 5 1.1 ISO 20022 MESSAGE DESCRIPTION

More information

IBM Financial Services Sector. IBM Payment Platform to face SEPA A flexible approach for a Smarter Bank

IBM Financial Services Sector. IBM Payment Platform to face SEPA A flexible approach for a Smarter Bank IBM Payment Platform to face SEPA A flexible approach for a Smarter Bank Market Forces Driving the Payments Industry to Transform Economic Pressures Increasing pressures on fees Margins being squeezed

More information

pg. 2 pg. 6 pg.8 pg. 20

pg. 2 pg. 6 pg.8 pg. 20 SEPA Extra Payment news pg. 2 pg. 6 pg.8 pg. 20 SEPA harmonises payments The account number format when SEPA is valid SEPA will cause changes to material transfer services Is your company ready for SEPA?

More information

User guide. Corporate Access Test Tool

User guide. Corporate Access Test Tool User guide Corporate Access Test Tool Table of contents Page 2 of 13 1 CORPORATE ACCESS TEST TOOL... 3 2 GENERAL OVERVIEW OF THE TEST TOOL SERVICES... 3 3 USER GUIDE FOR TESTING ISO20022 XML MESSAGES...

More information

Changes to the Protected Payments System (PPS) Currency holiday processing & Day 1 Currencies

Changes to the Protected Payments System (PPS) Currency holiday processing & Day 1 Currencies Changes to the Protected Payments System (PPS) Currency holiday processing & Day 1 Currencies March 2016 The copyright in this work is vested in LCH.Clearnet Ltd and is issued in confidence for the purpose

More information

VELOCITY@OCBC 2.0 BUSINESS INTERNET BANKING USER GUIDE

VELOCITY@OCBC 2.0 BUSINESS INTERNET BANKING USER GUIDE VELOCITY@OCBC 2.0 BUSINESS INTERNET BANKING USER GUIDE 1 of 131 1 Contents 1. Log in to Velocity@ocbc 2.0 4 2. View Trade Finance portfolio 12 3. View and download a bank statement 15 4. Create a Letter

More information

SEPA Country Guide Italy. Introduction

SEPA Country Guide Italy. Introduction Introduction This document provides an overview of all the country specific information you need to successfully implement your migration to SEPA in Italy. Intending to provide a global picture of the

More information

Form Payments statistics (formerly form-9006)

Form Payments statistics (formerly form-9006) Form Payments statistics (formerly form-9006) General The report contains data on payments, specifically payments between consumers, businesses and the government. As of July 2014, this report implements

More information

Supplementary Services and Fees Accounts and payment services

Supplementary Services and Fees Accounts and payment services Supplementary Services and Fees Accounts and payment services LGT Bank Ltd. valid from 1 January 2016 Accounts and cards Account management fees for current accounts in CHF and foreign currency Account

More information

Payment Processing and Cash Management Study Trends and Opportunities

Payment Processing and Cash Management Study Trends and Opportunities Study Treasury Payment Processing and Cash Management Study Trends and Opportunities Study Payment Processing and Cash Management Table of Contents 1. Introduction and purpose of the study 3 2. Management

More information

Collection COLLECTION file from the creditor to the bank

Collection COLLECTION file from the creditor to the bank Page 1 of 16 Change log Version Date Edit 1 14.11.2004 Document created. 2 25.03.2006 Updated with a new version of print. 3 19.04.2007 Description updated. 4 14.04.2009 Description updated. Description

More information

HAL E-BANK MANUAL E-INVOICES. Hal E-Bank version: 16.X.X.01

HAL E-BANK MANUAL E-INVOICES. Hal E-Bank version: 16.X.X.01 HAL E-BANK MANUAL E-INVOICES Hal E-Bank version: 16.X.X.01 Content of Manual The manual consists of eight content sections and two sub-sections. The current section is highlighted on the list. The manual's

More information

Cornèr Bank Group. Products and services for private Clients. Your values, our values.

Cornèr Bank Group. Products and services for private Clients. Your values, our values. Cornèr Bank Group Products and services for private Clients Your values, our values. Basic services 2 Private Banking 4 Markets 7 Credit and commercial 8 Cornèronline services 9 CornèrTrader 10 Basic

More information

Infor LN Financials User Guide for Cash Management

Infor LN Financials User Guide for Cash Management Infor LN Financials User Guide for Cash Management Copyright 2015 Infor Important Notices The material contained in this publication (including any supplementary information) constitutes and contains confidential

More information

Billing & Payment. Secure and comprehensive: from order to cash.

Billing & Payment. Secure and comprehensive: from order to cash. Billing & Payment Secure and comprehensive: from order to cash. Billing & Payment by Swiss Post Solutions «Generate more sales by offering your customers new ways of paying. Simplify and optimise your

More information

User Guide. UPS Billing Center

User Guide. UPS Billing Center User Guide UPS Billing Center 2014 United Parcel Service of America, Inc. UPS, the UPS brandmark and the color brown are trademarks of United Parcel Service of America, Inc. All rights reserved. us_en

More information

How to get your Company ready for Information for BUSINESS

How to get your Company ready for Information for BUSINESS Version 2.0 - September 2009 How to get your Company ready for Information for BUSINESS All you need to know about SEPA EPC brochures* Making SEPA a Reality the definitive Guide to the Single Euro Payments

More information