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

Transcription

1 Doc: EPC November 2014 (Version 8.0 Approved) EPC SEPA CORE DIRECT DEBIT SCHEME CUSTOMER-TO-BANK IMPLEMENTATION GUIDELINES Abstract Document Reference Issue This document sets out the rules for implementing Version 8.0 of the SEPA Core Direct Debit Scheme Rulebook, based on Version 2009 of the customer-to-bank direct debit ISO XML message standards. EPC Version 8.0 Approved Date of Issue 25 November 2014 Reason for Issue Reviewed by Produced by Authorised by Circulation Approval for publication by the October 2014 Plenary EPC EPC EPC Publicly available Effective Date 22 November 2015 Note Changed in line with the errata to the 2014 Implementation Guidelines (IGs) and approved changes to the Rulebook effective Pre-notice of important changes effective in 2016: As of the effective date of November 2016 of the SEPA Core Direct Debit Rulebook version 9.0, all Collections presented for the first time, on a recurrent basis or as a one-off Collection can be presented up to D-1 Inter-Bank Business Day ( D-1). Furthermore, the current requirement to use the sequence type FRST in a first of a recurrent series of Collections is no longer mandatory as of the effective date of November 2016 of the SEPA Core Direct Debit Rulebook version 9.0 (i.e. a first Collection can be used in the same way as a subsequent Collection with the sequence type RCUR ). Conseil Européen des Paiements AISBL Cours Saint-Michel 30 B 1040 Brussels Tel: Fax: Enterprise N [email protected] 2014 Copyright European Payments Council (EPC) AISBL: Reproduction for non-commercial purposes is authorised, with acknowledgement of the source

2 TABLE OF CONTENTS 0 DOCUMENT INFORMATION REFERENCES CHANGE HISTORY PURPOSE OF DOCUMENT INTRODUCTION COVERAGE OF THE SEPA CUSTOMER-TO-BANK IMPLEMENTATION GUIDELINES USE OF THESE GUIDELINES BY THE INSTRUCTING AND INSTRUCTED PARTIES NOTATION CONVENTIONS CHARACTER SET GENERAL MESSAGE ELEMENT SPECIFICATIONS BIC Identifier of the Creditor (AT-02) Mandate Identification (AT-01 Unique Mandate Reference) Optional Shorter Time Cycle (D-1) IMPLEMENTATION OF ISO XML RULES RECOMMENDED CUSTOMER-TO-BANK AND BANK-TO-CUSTOMER MESSAGES CUSTOMER TO BANK DIRECT DEBIT COLLECTION DATASET (DS-03) Use of Customer Direct Debit Initiation (pain ) CUSTOMER TO BANK REVERSAL INSTRUCTION FOR A COLLECTION (BASED ON DS-07 AND DS-03) Use of the Customer to Bank Payment (pain ) Specifications BANK TO CUSTOMER DIRECT DEBIT REJECT DATASET (BASED ON DS-05) Use of the Payment Status Report (pain ) Specifications SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved November 2014 Page 1

3 0 DOCUMENT INFORMATION 0.1 References This section lists relevant documents of interest. Document Number Title Issued by: [1] EPC SEPA Core Direct Debit Scheme Rulebook Version 8.0 EPC [2] - ISO XML Direct Debits and Related messages, September 2009: Initiation Clearing and Settlement ISO [3] ISO 3166 Country Codes ISO [4] ISO 4217 Currency Code List ISO [5] ISO 9362 Business Identifier Codes (BIC) ISO [6] ISO IBAN: International Bank Account Number ISO 1 [7] ISO/IEC 7064 Information technology - Security techniques - Check character systems [8] EPC SEPA Core Direct Debit Scheme E-Mandate Service Implementation Guidelines ISO EPC [9] ISO Structured creditor reference to remittance information ISO [10] EPC SEPA Requirements for an Extended Character Set EPC 0.2 Change History Issue number Dated Reason for revision V EPC Plenary approval December 2008 V EPC Plenary approval March 2009 V EPC Plenary approval October 2009 V EPC Plenary approval October 2009 V EPC Plenary approval September 2010 V EPC Plenary approval September See also SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved Page 2

4 V EPC Plenary approval September 2012 V EPC Plenary approval October Purpose of Document The objective of these Guidelines is to define the rules to be applied to the ISO XML message standards for the implementation of the SEPA Direct Debits in the customer-tobank space. SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved Page 3

5 1 INTRODUCTION This document sets out the SEPA rules for implementing the direct debit ISO XML initiation message standards. The SEPA Core Direct Debit Scheme Rulebook defines data sets which are implemented in the relevant ISO XML message standard of which the following are covered: SEPA Direct Debit Scheme Rulebook DS-03 Customer to bank Collection DS-06 Bank to customer Direct Debit Information DS-07 The inter-bank instruction for a Collection by the Creditor ISO XML Message Standards Customer Direct Debit Initiation (pain ) Statements/advice ISO XML standards are covered separately. Payment (pacs ) Customer Payment (pain ) in combination with DS-03 The use of customer-to-bank and bank-to-customer XML standards is recommended as are these Guidelines. 1.1 Coverage of the SEPA Customer-to-Bank Implementation Guidelines The purpose of the SEPA customer-to-bank Implementation Guidelines, hereafter referred to as the Guidelines, is to provide guidance on the use of the payment initiation ISO XML standards (the pain messages) in initiating SEPA Core payments as defined in the SEPA scheme rulebooks and supplemented by processing requirements. The implementation of the messages and the compliance with these guidelines are strongly recommended. The Guidelines are fully aligned to the SEPA Core requirements when defined in the Rulebook and identify message elements needed for initiating SEPA payments while recognising message elements that may be available for use in Additional Optional Services (AOS), as shown below. SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved Page 4

6 Global ISO XML Message Standards Message elements from the ISO messages corresponding to Rulebook requirements Message elements that are mandatory in the ISO messages or needed for Processing Message elements from the ISO messages available for use by AOS within an EPC Governance framework Message elements from ISO messages not applicable to SEPA EPC Implementation Guidelines for SEPA Core subset, identifying elements - to be used as defined in ISO - to be used with SEPA usage rules (from or completing the Rulebook) SEPA Payments To be developed and documented by AOS Communities Not available for use in SEPA payments Figure 1 These Guidelines define the SEPA Core Mandatory Subset 2 of the Global ISO XML standard that consists of message elements: required in the Rulebook as business requirements needed for processing by banks, clearing and settlement mechanisms and bank customers Elements needed for specific national regulatory requirements are not considered in these guidelines. They have to be dealt with at national level without being regarded as an AOS. These message elements define the SEPA Core service and are denoted by yellow shading in the message structures given in the following chapters. Only these elements are further detailed with relevant SEPA Core requirements, such as the use of the message element, its components or the values that must be used. Usage rules, for example, may indicate limits on the number of repetitions, or code value restrictions, while format rules may be used to indicate the allowable combinations of components of a message element. These Guidelines also recognise message elements and the usage rules in the ISO XML standard that may be available for use in an AOS, subject to a governance framework to be defined by the EPC. The definition and documentation of these message elements are a matter for the AOS communities involved. These message elements are denoted by white shading. Where there are message elements that do not apply to SEPA payments, these are denoted with red shading in the right-most column of the message structures. To date, few such message elements have been identified. 2 The SEPA Core Mandatory subset is hereafter known as the SEPA Core service. SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved Page 5

7 1.2 Use of these Guidelines by the instructing and instructed parties 3 SEPA core payments are executed using messages only containing message elements defined as part of the SEPA Core Subset (shaded yellow in Figure 2). Payments that include message elements that are defined and documented by AOS communities (shaded white in Figure 2) are considered as SEPA payments, but not as SEPA Core payments. It is the responsibility of the instructing customer and instructed bank of the message to ensure that message elements defined for use in an AOS are only included in messages sent to AOS community members. The instructed bank receiving a message containing AOS message elements, but which is not a member of this AOS community, may ignore the information, that is, not use it for processing, nor forward it to the next party in the chain. The instructed bank, however, may reject the message for this reason. 1.3 Notation Conventions The Guidelines are presented in a similar format than the one used in the ISO XML standard. # SEPA Mul Message root ++Sublevel 1 +++Sublevel Message root ++Sublevel 1 +++Sublevel Sublevel 3 SEPA Usage Rule(s) SEPA Format Rule(s) (e.g. Mandatory) (Yellow: that is part of the SEPA Core Service) SEPA Rulebook SEPA Usage Rule(s) ISO Length SEPA Length xs:choice (Attribute used in Rulebook) (e.g. Only SEPA is allowed.) (Yellow: that is part of the SEPA Core Service) SEPA Code restrictions SEPA SingleEuroPaymentsArea Payment must be executed following the Single Euro Payments Area scheme. 3 Instructing and instructed parties include CSMs. SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved Page 6

8 Where: Message root ++Sublevel 1 +++Sublevel Sublevel 3 1.0n 0..1 Message root ++Sublevel 1 (White: that is not part of the Core Service but is available for use in a SEPA AOS) (Red: that is not to be used in SEPA Payments) Figure 2 Column 1 indicates the message element Index number specific to these Implementation Guidelines. As a result, the Index numbers differ from the ones used in the relating ISO Message Definition Report, PDF version. Components of message elements that are not allowed in SEPA payments or where no SEPA requirements are defined are not displayed in full as the ISO XML standard applies. Column 2 indicates the mandatory or optional status and the number of repetitions defined by the, e.g.: o 0..1 element is optional and may only be present once o 0..n element is optional with unlimited repetition o 1..1 element is mandatory and must be present exactly once o 1..n element is mandatory with unlimited repetition The displayed SEPA multiplicity may thus differ from the one of the ISO XML standard. When an element is shaded yellow, possible remaining ISO occurrences are available for use in an AOS. Empty elements are not allowed (i.e. a message shall not contain elements without content). Column 3 indicates the full path of an element where the last line contains the name of the message element as defined in the ISO XML standard. When an element contains sub-elements these are indented to the right and noted with a plus sign (+) per level. Column 4 specifies in italic characters the as additional rules to those specified in the ISO XML standard, which are shown in non-italic characters. o When defined in the Rulebook, the attribute is indicated by the attribute name and where applicable, the number, i.e., AT-nn. Those message elements are shaded yellow. o When the message element relates to inter-bank processing requirements, it is shaded yellow. o When the message element specified in the ISO XML standard is used for SEPA payments without change (regarding the definition and any usage rules), no specific SEPA Core requirements are provided and is shaded yellow. SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved Page 7

9 o When the message element is specified in the ISO XML standard as optional, but is mandatory in SEPA Core requirements, this is specified as Mandatory and is shaded yellow. o When the message element is not available for use in SEPA payments, this is indicated with red shading. Note that these message elements are similarly not available for use in an AOS. o The SEPA length is indicated for every message element (if applicable), even if it is the same length as in the ISO XML standard. Column 4 may also indicate conditional relationships between components of a message element, for example, either component 1 or component 2 must be present, but not both (indicated, in empty lines without index number, in the column 4 with xs:choice ). In such case, the choice is to be made between the two following subelements, if both are shaded yellow. 1.4 Character Set The character set issue centres on the use of the full set of characters in the message elements. Two considerations are: While banks and their customers must be allowed to use the character set currently in use at national level, Banks and their customers throughout SEPA cannot be required to support the full character set used in SEPA countries. Therefore: The ISO XML messages allow for the full range of global language requirements (UTF-8) Banks and their customers must be able to support the Latin character set commonly used in international communication, as follows: a b c d e f g h i j k l m n o p q r s t u v w x y z A B C D E F G H I J K L M N O P Q R S T U V W X Y Z / -? : ( )., ' + Space References, identifications and identifiers must respect the following: o Content is restricted to the Latin character set as defined above o Content must not start or end with a / o Content must not contain // s However, there may be bilateral or multilateral agreements to support one or more sets of characters beyond the Latin character set referred to above. SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved Page 8

10 1.5 General Specifications BIC The BIC used to identify financial institutions (Agents in the ISO XML standards) may be either BIC 11 or BIC Identifier of the Creditor (AT-02) The Creditor is identified in the scheme by an identifier as defined below. In these Guidelines, this identifier is indicated in the ISO data element Creditor Scheme Identification. The creditor can be a legal entity, or an association that is not a legal entity, or a person. This identifier must be stable over time, to enable the Debtor and the Debtor Bank to come back to the Creditor for Refunds and complaints, and to check the existence of a valid Mandate at the presentation of Collections by the Creditor. The Creditor identifier has the attributes defined in the Rulebook under AT-02. This section also applies to AT-18 The identifier of the original Creditor who issued the Mandate. The data element is case and space insensitive. Format Rule: Positions 1 and 2 contain the ISO country code Positions 3 and 4 contain the check digits Positions 5 to 7 contain the Creditor Business Code. When the Creditor Business Code is not used, then the value is set to ZZZ. The Creditor Business Code cannot contain spaces. Positions 8 up to 35 contain the country-specific identifier Note: the calculation of the check digit requires the following preliminary steps: o Disregard positions 5 to 7 o Take the country-specific part, positions 8 to 35, and delete all non-alphanumeric characters o Add the ISO country code and 00 to the right-hand end o Convert letters to digits in accordance with conversion table 1 o Apply the check character system MOD (see ISO 7064) A = 10 G = 16 M = 22 S = 28 Y = 34 B = 11 H = 17 N = 23 T = 29 Z = 35 C = 12 I = 18 O = 24 U = 30 D = 13 J = 19 P = 25 V = 31 E = 14 K = 20 Q = 26 W = 32 SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved Page 9

11 F = 15 L = 21 R = 27 X = 33 Table Mandate Identification (AT-01 Unique Mandate Reference) This data element is case insensitive. For example: Mandate Identification 123AAa45678, 123aaA45678, 123aaa45678 and 123AAA45678 shall be considered identical Optional Shorter Time Cycle (D-1) The local instrument code COR1 was created to cater for an optional shorter time cycle (D-1). Important change: As of the effective date of November 2016 of the SEPA Core Direct Debit Rulebook version 9.0, all Collections presented for the first time, on a recurrent basis or as a one-off Collection can be presented up to D-1 Inter-Bank Business Day ( D- 1). Furthermore, the current requirement to use the sequence type FRST in a first of a recurrent series of Collections is no longer mandatory as of the effective date of November 2016 of the SEPA Core Direct Debit Rulebook version 9.0 (i.e. a first Collection can be used in the same way as a subsequent Collection with the sequence type RCUR ). 1.6 Implementation of ISO XML rules This document should be read in conjunction with the ISO XML message standards. SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved Page 10

12 2 RECOMMENDED CUSTOMER-TO-BANK AND BANK-TO-CUSTOMER MESSAGES The Guidelines prescribe, where relevant and dictated by the Rulebooks, usage rules for the EPC recommended customer-to-bank and bank-to-customer ISO XML messages. The message elements identified with yellow shading must be provided when mandatory. However, message elements known by the Creditor Bank may be filled in by the Creditor Bank in order to populate the subsequent inter-bank message. The elements shaded yellow specify the and are defined in the Rulebook, are required for inter-bank and customer-to-bank processing or are mandatory in the ISO message standards. 2.1 Customer to Bank Direct Debit Collection Dataset (DS-03) Use of Customer Direct Debit Initiation (pain ) The message is used to transport the Direct Debit Collection instruction from the Creditor to the Creditor Bank. The message caters for bulk and single direct debit instructions. SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved Page 11

13 Document Document Document 1..1 Customer Direct Debit Initiation V02 Customer Direct Debit Initiation V02 The CustomerDirectDebitInitiation message is sent by the initiating party to the forwarding agent or creditor's agent. It is used to request single or bulk collection(s) of funds from one or various debtor's account(s) to a creditor. CstmrDrctDbtInitn CustomerDirectDebitInitiationV Customer Direct Debit Initiation V02 Group Header Set of characteristics shared by all individual transactions included in the message. GrpHdr GroupHeader Customer Direct Debit Initiation V02 Message Identification ++Message Identification Point to point reference, assigned by the instructing party and sent to the next party in the chain, to unambiguously identify the message Customer Direct Debit Initiation V02 ++Creation Date Time Customer Direct Debit Initiation V02 ++Authorisation Customer Direct Debit Initiation V02 ++Number Of Transactions Usage: The instructing party has to make sure that MessageIdentification is unique per instructed party for a pre-agreed period. MsgId Creation Date Time Date and time at which a (group of) payment instruction(s) was created by the instructing party. CreDtTm ISODateTime Authorisation User identification or any user key that allows to check if the initiating party is allowed to initiate transactions from the account specified in the initiation. Usage: The content is not of a technical nature, but reflects the organisational structure at the initiating side. The authorisation element can typically be used in relay scenarios, payment initiations, payment returns or payment reversals that are initiated on behalf of a different party than the initiating party. Authstn Authorisation1Choice Number Of Transactions Number of individual transactions contained in the message. NbOfTxs Max15NumericText Pattern [0-9]{1,15} SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 12

14 Customer Direct Debit Initiation V02 ++Control Sum Customer Direct Debit Initiation V02 ++Initiating Party Customer Direct Debit Initiation V02 ++Initiating Party +++Name Customer Direct Debit Initiation V02 ++Initiating Party +++Postal Address Customer Direct Debit Initiation V02 ++Initiating Party +++Identification SEPA Format The fractional part has a maximum of two digits Rule(s) Control Sum Total of all individual amounts included in the message, irrespective of currencies. CtrlSum DecimalNumber SEPA FractDigits 2 TotalDigits 18 Initiating Party Party that initiates the payment. Usage: This can either be the creditor or a party that initiates the direct debit on behalf of the creditor. InitgPty PartyIdentification32 SEPA Usage Rule(s) Name is limited to 70 characters in length. Name Name by which a party is known and which is usually used to identify that party. Nm Max140Text ISO Length SEPA Length Postal Address Information that locates and identifies a specific address, as defined by postal services. PstlAdr PostalAddress6 Identification Unique and unambiguous identification of a party. Id Party6Choice 1..1 xs:choice Customer Direct Debit Initiation V02 SEPA Usage Rule(s) Either BIC or BEI or one occurrence of Other is allowed. ++Initiating Party Organisation Identification +++Identification ++++Organisation Identification Unique and unambiguous way to identify an organisation. OrgId OrganisationIdentification Customer Direct Debit Initiation V02 SEPA Usage Rule(s) Either Date and Place of Birth or one occurrence of Other is allowed. ++Initiating Party Private Identification +++Identification ++++Private Identification Unique and unambiguous identification of a person, eg, passport. PrvtId PersonIdentification Customer Direct Debit Initiation V02 Country Of Residence ++Initiating Party +++Country Of Residence Country in which a person resides (the place of a person's home). In the case of a company, it is the country from which the affairs of that company Pattern are directed. CtryOfRes CountryCode [A-Z]{2,2} SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 13

15 Customer Direct Debit Initiation V02 ++Initiating Party +++Contact Details Customer Direct Debit Initiation V02 ++Forwarding Agent n Customer Direct Debit Initiation V Customer Direct Debit Initiation V02 + Identification Customer Direct Debit Initiation V02 ++Payment Method Customer Direct Debit Initiation V02 ++Batch Booking Customer Direct Debit Initiation V02 ++Number Of Transactions Customer Direct Debit Initiation V02 ++Control Sum Contact Details Set of elements used to indicate how to contact the party. CtctDtls ContactDetails2 Forwarding Agent Financial institution that receives the instruction from the initiating party and forwards it to the next agent in the payment chain for execution. FwdgAgt BranchAndFinancialInstitutionIdentification4 Payment Information Set of characteristics that apply to the credit side of the payment transactions included in the direct debit transaction initiation. PmtInf PaymentInstructionInformation4 Payment Information Identification Unique identification, as assigned by a sending party, to unambiguously identify the payment information group within the message. PmtInfId Payment Method Specifies the means of payment that will be used to move the amount of money. PmtMtd PaymentMethod2Code SEPA Usage Rule(s) If present and contains true, batch booking is requested. If present and contains false, booking per transaction is requested. If element is not present, pre-agreed customerto-bank conditions apply. Batch Booking Identifies whether a single entry per individual transaction or a batch entry for the sum of the amounts of all transactions within the group of a message is requested. Usage: Batch booking is used to request and not order a possible batch booking. BtchBookg BatchBookingIndicator Number Of Transactions Number of individual transactions contained in the payment information group. NbOfTxs Max15NumericText Pattern [0-9]{1,15} SEPA Format The fractional part has a maximum of two digits Rule(s) Control Sum Total of all individual amounts included in the group, irrespective of currencies. CtrlSum DecimalNumber SEPA FractDigits 2 TotalDigits 18 SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 14

16 Customer Direct Debit Initiation V02 SEPA Usage Rule(s) Mandatory Payment Information ++Payment Information Set of elements used to further specify the type of transaction. PmtTpInf PaymentInformation Customer Direct Debit Initiation V02 Instruction Priority ++Payment Information +++Instruction Priority Indicator of the urgency or order of importance that the instructing party would like the instructed party to apply to the processing of the instruction. InstrPrty Priority2Code Customer Direct Debit Initiation V02 SEPA Usage Rule(s) Mandatory Service Level ++Payment Information +++Service Level Agreement under which or rules under which the transaction should be processed. SvcLvl ServiceLevel8Choice 1..1 xs:choice Customer Direct Debit Initiation V02 SEPA Rulebook AT-20 The identification code of the Scheme. SEPA Usage Rule(s) Only SEPA is allowed. ++Payment Information Code +++Service Level ++++Code Specifies a pre-agreed service or level of service between the parties, as published in an external service level code list. Cd ExternalServiceLevel1Code ISO Length SEPA Length Customer Direct Debit Initiation V02 ++Payment Information +++Service Level ++++Proprietary Customer Direct Debit Initiation V02 ++Payment Information +++Local Instrument 1..1 xs:choice SEPA Code Restrictions SEPA SingleEuroPaymentsArea Payment must be executed following the Single Euro Payments Area scheme. Proprietary Specifies a pre-agreed service or level of service between the parties, as a proprietary code. Prtry SEPA Usage Rule(s) Mandatory Local Instrument User community specific instrument. Usage: This element is used to specify a local instrument, local clearing option and/or further qualify the service or service level. LclInstrm LocalInstrument2Choice SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 15

17 Customer Direct Debit Initiation V02 ++Payment Information +++Local Instrument ++++Code Customer Direct Debit Initiation V02 ++Payment Information +++Local Instrument ++++Proprietary SEPA Rulebook AT-20 The identification code of the Scheme. SEPA Usage Rule(s) Only CORE or COR1 is allowed. PRE- NOTICE: As of the effective date of November 2016 of the SEPA Core Direct Debit Rulebook version 9.0, all Collections presented for the first time, on a recurrent basis or as a one-off Collection can be presented up to D-1 Inter-Bank Business Day (D-1). The standard time cycle code is CORE. The mixing of different Local Instrument values is not allowed in the same message. Code Specifies the local instrument, as published in an external local instrument code list. Cd ExternalLocalInstrument1Code SEPA Code Restrictions COR1 SEPA Direct Debit - 1 Day Settlement Optional shorter time cycle (D-1) for SEPA Core Direct Debit Region: EMEA ISO Country Code: SEPA ISO Currency Code: EUR Payment System: PEACH cdd/ct/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both: CORE SEPA Direct Debit - Core Transaction is related to SEPA direct debit -core. Region: EMEA ISO Country Code: SEPA ISO Currency Code: EUR Payment System: PEACH cdd/ct/ Both/ Other: DD Corp2Bk, Bk2Bk, or Both: Both Proprietary Specifies the local instrument, as a proprietary code. Prtry SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 16

18 Customer Direct Debit Initiation V02 ++Payment Information +++Sequence Customer Direct Debit Initiation V02 ++Payment Information +++Category Purpose Customer Direct Debit Initiation V02 ++Requested Collection Date Customer Direct Debit Initiation V02 ++Creditor Customer Direct Debit Initiation V02 ++Creditor +++Name Customer Direct Debit Initiation V02 ++Creditor +++Postal Address SEPA Rulebook AT-21 Transaction / Sequence. SEPA Usage Rule(s) Mandatory If Amendment Indicator is true, and Original Debtor Agent is set to SMNDA, this message element must indicate FRST. PRE-NOTICE: The current requirement to use the sequence type FRST in a first of a recurrent series of Collections is no longer mandatory as of the effective date of November 2016 of the SEPA Core Direct Debit Rulebook version 9.0 (i.e. a first Collection can be used in the same way as a subsequent Collection with the sequence type RCUR ). Sequence Identifies the direct debit sequence, such as first, recurrent, final or one-off. SeqTp Sequence1Code SEPA Rulebook AT-59 Category purpose of the Collection. SEPA Usage Rule(s) Depending on the agreement between the Creditor and the Creditor Bank, Category Purpose may be forwarded to the Debtor Bank. Category Purpose Specifies the high level purpose of the instruction based on a set of pre-defined categories. Usage: This is used by the initiating party to provide information concerning the processing of the payment. It is likely to trigger special processing by any of the agents involved in the payment chain. CtgyPurp CategoryPurpose1Choice SEPA Rulebook AT-11 Due Date of the Collection. Requested Collection Date Date and time at which the creditor requests that the amount of money is to be collected from the debtor. ReqdColltnDt ISODate Creditor Party to which an amount of money is due. Cdtr PartyIdentification32 SEPA Rulebook AT-03 Name of the Creditor. SEPA Usage Rule(s) Mandatory Name is limited to 70 characters in length. Name Name by which a party is known and which is usually used to identify that party. Nm Max140Text ISO Length SEPA Length SEPA Rulebook AT-05 Address of the Creditor. Postal Address Information that locates and identifies a specific address, as defined by postal services. PstlAdr PostalAddress6 SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 17

19 Customer Direct Debit Initiation V02 ++Creditor +++Postal Address ++++Address Customer Direct Debit Initiation V02 ++Creditor +++Postal Address ++++Department Customer Direct Debit Initiation V02 ++Creditor +++Postal Address ++++Sub Department Customer Direct Debit Initiation V02 ++Creditor +++Postal Address ++++Street Name Customer Direct Debit Initiation V02 ++Creditor +++Postal Address ++++Building Number Customer Direct Debit Initiation V02 ++Creditor +++Postal Address ++++Post Code Customer Direct Debit Initiation V02 ++Creditor +++Postal Address ++++Town Name Customer Direct Debit Initiation V02 ++Creditor +++Postal Address ++++Country Sub Division Customer Direct Debit Initiation V02 ++Creditor +++Postal Address ++++Country Address Identifies the nature of the postal address. AdrTp Address2Code Department Identification of a division of a large organisation or building. Dept Max70Text ISO Length SEPA Length Sub Department Identification of a sub-division of a large organisation or building. SubDept Max70Text ISO Length SEPA Length Street Name Name of a street or thoroughfare. StrtNm Max70Text ISO Length SEPA Length Building Number Number that identifies the position of a building on a street. BldgNb Max16Text ISO Length SEPA Length Post Code Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the sorting of mail. PstCd Max16Text ISO Length SEPA Length Town Name Name of a built-up area, with defined boundaries, and a local government. TwnNm Country Sub Division Identifies a subdivision of a country such as state, region, county. CtrySubDvsn Country Nation with its own government. Ctry CountryCode Pattern [A-Z]{2,2} SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 18

20 Customer Direct Debit Initiation V02 ++Creditor +++Postal Address ++++Address Line Customer Direct Debit Initiation V02 ++Creditor +++Identification Customer Direct Debit Initiation V02 ++Creditor +++Country Of Residence Customer Direct Debit Initiation V02 ++Creditor +++Contact Details Customer Direct Debit Initiation V02 ++Creditor Account Customer Direct Debit Initiation V02 ++Creditor Account +++Identification Customer Direct Debit Initiation V02 ++Creditor Account Customer Direct Debit Initiation V02 ++Creditor Account +++Currency SEPA Usage Rule(s) Only two occurrences are allowed. Address Line Information that locates and identifies a specific address, as defined by postal services, presented in free format text. AdrLine Max70Text ISO Length SEPA Length Identification Unique and unambiguous identification of a party. Id Party6Choice Country Of Residence Country in which a person resides (the place of a person's home). In the case of a company, it is the country from which the affairs of that company are directed. CtryOfRes CountryCode Pattern [A-Z]{2,2} Contact Details Set of elements used to indicate how to contact the party. CtctDtls ContactDetails2 SEPA Rulebook AT-04 Account Number of the Creditor. Creditor Account Unambiguous identification of the account of the creditor to which a credit entry will be posted as a result of the payment transaction. CdtrAcct CashAccount16 SEPA Usage Rule(s) Only IBAN is allowed. Identification Unique and unambiguous identification for the account between the account owner and the account servicer. Id AccountIdentification4Choice Specifies the nature, or use of the account. Tp CashAccount2 Currency Identification of the currency in which the account is held. Pattern Usage: Currency should only be used in case one and the same account number covers several currencies and the initiating party needs to identify which currency needs to be used for settlement on the account. Ccy ActiveOrHistoricCurrencyCode [A-Z]{3,3} SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 19

21 Customer Direct Debit Initiation V02 ++Creditor Account +++Name Name Name of the account, as assigned by the account servicing institution, in agreement with the account owner in order to provide an additional means of identification of the account Customer Direct Debit Initiation V02 ++Creditor Agent Customer Direct Debit Initiation V02 ++Creditor Agent +++Financial Institution Identification Customer Direct Debit Initiation V02 ++Creditor Agent +++Financial Institution Identification ++++BIC Customer Direct Debit Initiation V02 ++Creditor Agent +++Financial Institution Identification ++++Clearing System Member Identification Customer Direct Debit Initiation V02 ++Creditor Agent +++Financial Institution Identification ++++Name Usage: The account name is different from the account owner name. The account name is used in certain user communities to provide a means of identifying the account, in addition to the account owner's identity and the account number. Nm Max70Text ISO Length SEPA Length Creditor Agent Financial institution servicing an account for the creditor. CdtrAgt BranchAndFinancialInstitutionIdentification4 SEPA Usage Rule(s) Either BIC or Other/Identification must be used. SEPA Rulebook Pattern ISO Length SEPA Length Financial Institution Identification Unique and unambiguous identification of a financial institution, as assigned under an internationally recognised or proprietary identification scheme. FinInstnId FinancialInstitutionIdentification7 AT-12 BIC of the Creditor bank. The BIC is optional for national transactions except if Member States use the waiver as per Article 16(6) of EU Regulation 260/2012. The BIC is mandatory for EU/EEA cross-border transactions until 31 January 2016 and it will continue to be mandatory for non-eu/non-eea cross-border SEPA transactions. BIC Code allocated to a financial institution by the ISO 9362 Registration Authority as described in ISO 9362 "Banking - Banking telecommunication messages - Business identifier code (BIC)". BIC BICIdentifier [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3, 3}){0,1} Clearing System Member Identification Information used to identify a member within a clearing system. ClrSysMmbId ClearingSystemMemberIdentification2 Name Name by which an agent is known and which is usually used to identify that agent. Nm Max140Text SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 20

22 Customer Direct Debit Initiation V02 ++Creditor Agent +++Financial Institution Identification ++++Postal Address Customer Direct Debit Initiation V02 ++Creditor Agent +++Financial Institution Identification ++++Other Customer Direct Debit Initiation V02 ++Creditor Agent +++Financial Institution Identification ++++Other +++++Identification Customer Direct Debit Initiation V02 ++Creditor Agent +++Financial Institution Identification ++++Other +++++Scheme Name Customer Direct Debit Initiation V02 ++Creditor Agent +++Financial Institution Identification ++++Other +++++Issuer Customer Direct Debit Initiation V02 ++Creditor Agent +++Branch Identification Customer Direct Debit Initiation V02 ++Creditor Agent Account Customer Direct Debit Initiation V02 ++Ultimate Creditor Postal Address Information that locates and identifies a specific address, as defined by postal services. PstlAdr PostalAddress6 Other Unique identification of an agent, as assigned by an institution, using an identification scheme. Othr GenericFinancialIdentification1 SEPA Usage Rule(s) Only NOTPROVIDED is allowed. Identification Unique and unambiguous identification of a person. Id Scheme Name Name of the identification scheme. SchmeNm FinancialIdentificationSchemeName1Choice Issuer Entity that assigns the identification. Issr Branch Identification Identifies a specific branch of a financial institution. Usage: This component should be used in case the identification information in the financial institution component does not provide identification up to branch level. BrnchId BranchData2 Creditor Agent Account Unambiguous identification of the account of the creditor agent at its servicing agent in the payment chain. CdtrAgtAcct CashAccount16 SEPA Usage Rule(s) This data element may be present either at 'Payment Information' or at 'Direct Debit Transaction Information' level. Ultimate Creditor Ultimate party to which an amount of money is due. UltmtCdtr PartyIdentification32 SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 21

23 Customer Direct Debit Initiation V02 SEPA Rulebook AT-38 Name of the Creditor Reference Party. SEPA Usage Rule(s) Name is limited to 70 characters in length. ++Ultimate Creditor Name +++Name Name by which a party is known and which is usually used to identify that party. Nm Max140Text ISO Length SEPA Length Customer Direct Debit Initiation V02 Postal Address ++Ultimate Creditor Information that locates and identifies a specific address, as defined by postal services. +++Postal Address PstlAdr PostalAddress Customer Direct Debit Initiation V02 SEPA Rulebook AT-39 Identification code of the Creditor Reference Party. ++Ultimate Creditor Identification +++Identification Unique and unambiguous identification of a party. Id Party6Choice 1..1 xs:choice Customer Direct Debit Initiation V02 SEPA Usage Rule(s) Either BIC or BEI or one occurrence of Other is allowed. ++Ultimate Creditor Organisation Identification +++Identification ++++Organisation Identification Unique and unambiguous way to identify an organisation. OrgId OrganisationIdentification Customer Direct Debit Initiation V02 SEPA Usage Rule(s) Either Date and Place of Birth or one occurrence of Other is allowed. ++Ultimate Creditor Private Identification +++Identification ++++Private Identification Unique and unambiguous identification of a person, eg, passport. PrvtId PersonIdentification Customer Direct Debit Initiation V02 Country Of Residence ++Ultimate Creditor +++Country Of Residence Country in which a person resides (the place of a person's home). In the case of a company, it is the country from which the affairs of that company are directed. CtryOfRes CountryCode Customer Direct Debit Initiation V02 ++Ultimate Creditor +++Contact Details Customer Direct Debit Initiation V02 ++Charge Bearer Pattern [A-Z]{2,2} Contact Details Set of elements used to indicate how to contact the party. CtctDtls ContactDetails2 SEPA Usage Rule(s) Only SLEV is allowed. It is recommended that this element be specified at Payment Information level. Charge Bearer Specifies which party/parties will bear the charges associated with the processing of the payment transaction. ChrgBr ChargeBearer1Code SEPA Code Restrictions SLEV FollowingServiceLevel SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 22

24 Customer Direct Debit Initiation V02 ++Charges Account SEPA Code Restrictions Charges are to be applied following the rules agreed in the service level and/or scheme. Charges Account Account used to process charges associated with a transaction Customer Direct Debit Initiation V02 ++Charges Account Agent Customer Direct Debit Initiation V02 ++Creditor Scheme Identification Customer Direct Debit Initiation V02 ++Creditor Scheme Identification +++Name Customer Direct Debit Initiation V02 ++Creditor Scheme Identification +++Postal Address Customer Direct Debit Initiation V02 ++Creditor Scheme Identification +++Identification Usage: Charges account should be used when charges have to be booked to an account different from the account identified in debtor's account. ChrgsAcct CashAccount16 Charges Account Agent Agent that services a charges account. Usage: Charges account agent should only be used when the charges account agent is different from the creditor agent. ChrgsAcctAgt BranchAndFinancialInstitutionIdentification4 SEPA Usage Rule(s) It is recommended that all transactions within the same Payment Information block have the same Creditor Scheme Identification. This data element must be present at either Payment Information or Direct Debit Transaction level. Creditor Scheme Identification Credit party that signs the mandate. CdtrSchmeId PartyIdentification32 Name Name by which a party is known and which is usually used to identify that party. Nm Max140Text ISO Length SEPA Length Postal Address Information that locates and identifies a specific address, as defined by postal services. PstlAdr PostalAddress6 SEPA Rulebook AT-02 Identifier of the Creditor. SEPA Usage Rule(s) Mandatory Identification Unique and unambiguous identification of a party. Id Party6Choice 1..1 xs:choice Customer Direct Debit Initiation V02 Organisation Identification ++Creditor Scheme Identification Unique and unambiguous way to identify an organisation. +++Identification OrgId ++++Organisation Identification OrganisationIdentification4 SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 23

25 Customer Direct Debit Initiation V02 ++Creditor Scheme Identification +++Identification ++++Private Identification Customer Direct Debit Initiation V02 ++Creditor Scheme Identification +++Identification ++++Private Identification +++++Date And Place Of Birth Customer Direct Debit Initiation V02 ++Creditor Scheme Identification +++Identification ++++Private Identification +++++Other Customer Direct Debit Initiation V02 ++Creditor Scheme Identification +++Country Of Residence Customer Direct Debit Initiation V02 ++Creditor Scheme Identification +++Contact Details n Customer Direct Debit Initiation V Customer Direct Debit Initiation V02 +++Payment Identification SEPA Usage Rule(s) Mandatory Private Identification is used to identify either an organisation or a private person. Private Identification Unique and unambiguous identification of a person, eg, passport. PrvtId PersonIdentification5 Date And Place Of Birth Date and place of birth of a person. DtAndPlcOfBirth DateAndPlaceOfBirth SEPA Usage Rule(s) Only one occurrence of Other is allowed, and no other sub-elements are allowed. 'Identification' must be used with an identifier described in General Specifications, Chapter Proprietary under Scheme Name must specify SEPA. Other Unique identification of a person, as assigned by an institution, using an identification scheme. Othr GenericPersonIdentification1 Pattern Country Of Residence Country in which a person resides (the place of a person's home). In the case of a company, it is the country from which the affairs of that company are directed. CtryOfRes CountryCode [A-Z]{2,2} Contact Details Set of elements used to indicate how to contact the party. CtctDtls ContactDetails2 Direct Debit Transaction Information Set of elements used to provide information on the individual transaction(s) included in the message. DrctDbtTxInf DirectDebitTransactionInformation9 Payment Identification Set of elements used to reference a payment instruction. PmtId PaymentIdentification1 SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 24

26 Customer Direct Debit Initiation V02 +++Payment Identification ++++Instruction Identification Customer Direct Debit Initiation V02 +++Payment Identification ++++End To End Identification Customer Direct Debit Initiation V02 +++Payment Information Customer Direct Debit Initiation V02 +++Instructed Amount Customer Direct Debit Initiation V02 +++Charge Bearer Instruction Identification Unique identification as assigned by an instructing party for an instructed party to unambiguously identify the instruction. Usage: the instruction identification is a point to point reference that can be used between the instructing party and the instructed party to refer to the individual instruction. It can be included in several messages related to the instruction. InstrId SEPA Rulebook AT-10 Creditor s reference of the direct debit Collection. End To End Identification Unique identification assigned by the initiating party to unumbiguously identify the transaction. This identification is passed on, unchanged, throughout the entire end-to-end chain. Usage: The end-to-end identification can be used for reconciliation or to link tasks relating to the transaction. It can be included in several messages related to the transaction. EndToEndId Payment Information Set of elements used to further specify the type of transaction. PmtTpInf PaymentInformation20 SEPA Rulebook AT-06 Amount of the Collection in Euro. SEPA Usage Rule(s) Only EUR is allowed. Amount must be 0.01 or more and or less. SEPA Format The fractional part has a maximum of two digits. Rule(s) Instructed Amount Amount of money to be moved between the debtor and creditor, before deduction of charges, expressed in the currency as ordered by the initiating party. InstdAmt ActiveOrHistoricCurrencyAndAmount SEPA FractDigits 2 TotalDigits 18 SEPA Inclusive SEPA Usage Rule(s) Only SLEV is allowed. Charge Bearer Specifies which party/parties will bear the charges associated with the processing of the payment transaction. ChrgBr ChargeBearer1Code SEPA Code Restrictions SLEV FollowingServiceLevel SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 25

27 Customer Direct Debit Initiation V Customer Direct Debit Initiation V Mandate Related Information Customer Direct Debit Initiation V Mandate Related Information +++++Mandate Identification Customer Direct Debit Initiation V Mandate Related Information +++++Date Of Signature Customer Direct Debit Initiation V Mandate Related Information +++++Amendment Indicator Customer Direct Debit Initiation V Mandate Related Information +++++Amendment Information Details Customer Direct Debit Initiation V Mandate Related Information +++++Amendment Information Details Original Mandate Identification SEPA Code Restrictions Charges are to be applied following the rules agreed in the service level and/or scheme. SEPA Usage Rule(s) Mandatory Direct Debit Transaction Set of elements providing information specific to the direct debit mandate. DrctDbtTx DirectDebitTransaction6 SEPA Usage Rule(s) Mandatory Mandate Related Information Set of elements used to provide further details of the direct debit mandate signed between the creditor and the debtor. MndtRltdInf MandateRelatedInformation6 SEPA Rulebook AT-01 Unique Mandate Reference. SEPA Usage Rule(s) Mandatory Mandate Identification Unique identification, as assigned by the creditor, to unambiguously identify the mandate. MndtId SEPA Rulebook AT-25 Date of Signing of the Mandate. SEPA Usage Rule(s) Mandatory Date Of Signature Date on which the direct debit mandate has been signed by the debtor. DtOfSgntr ISODate Amendment Indicator Indicator notifying whether the underlying mandate is amended or not. AmdmntInd TrueFalseIndicator SEPA Rulebook AT-24 Reason for Amendment of the Mandate. The reason from the Rulebook is indicated by using the following message sub-elements. SEPA Usage Rule(s) Mandatory if Amendment Indicator is true. Amendment Information Details List of mandate elements that have been modified. AmdmntInfDtls AmendmentInformationDetails6 SEPA Rulebook AT-19 Unique Mandate Reference as given by the Original Creditor who issued the Mandate. SEPA Usage Rule(s) Mandatory if changes occur in Mandate Identification, otherwise not to be used. Original Mandate Identification Unique identification, as assigned by the creditor, to unambiguously identify the original mandate. OrgnlMndtId SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 26

28 Customer Direct Debit Initiation V Mandate Related Information +++++Amendment Information Details Original Creditor Scheme Identification Customer Direct Debit Initiation V Mandate Related Information +++++Amendment Information Details Original Creditor Scheme Identification Name Customer Direct Debit Initiation V Mandate Related Information +++++Amendment Information Details Original Creditor Scheme Identification Postal Address Customer Direct Debit Initiation V Mandate Related Information +++++Amendment Information Details Original Creditor Scheme Identification Identification SEPA Usage Rule(s) Mandatory if changes occur in Creditor Scheme Identification and or Name, otherwise not to be used. Original Creditor Scheme Identification Original creditor scheme identification that has been modified. OrgnlCdtrSchmeId PartyIdentification32 SEPA Rulebook Original AT-03 Name of the Creditor. SEPA Usage Rule(s) If present the new Name must be specified under Creditor. Name is limited to 70 characters in length. Name Name by which a party is known and which is usually used to identify that party. Nm Max140Text ISO Length SEPA Length Postal Address Information that locates and identifies a specific address, as defined by postal services. PstlAdr PostalAddress6 SEPA Rulebook AT-18 Identifier of the original Creditor who issued the Mandate. Identification Unique and unambiguous identification of a party. Id Party6Choice 1..1 xs:choice Customer Direct Debit Initiation V02 Organisation Identification Unique and unambiguous way to identify an organisation. OrgId ++++Mandate Related Information +++++Amendment Information Details Original Creditor Scheme Identification Identification Organisation Identification OrganisationIdentification Customer Direct Debit Initiation V Mandate Related Information +++++Amendment Information Details Original Creditor Scheme Identification Identification Private Identification SEPA Usage Rule(s) Private Identification is used to identify either an organisation or a private person. Private Identification Unique and unambiguous identification of a person, eg, passport. PrvtId PersonIdentification5 SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 27

29 Customer Direct Debit Initiation V Mandate Related Information +++++Amendment Information Details Original Creditor Scheme Identification Identification Private Identification Date And Place Of Birth Customer Direct Debit Initiation V Mandate Related Information +++++Amendment Information Details Original Creditor Scheme Identification Identification Private Identification Other Customer Direct Debit Initiation V Mandate Related Information +++++Amendment Information Details Original Creditor Scheme Identification Country Of Residence Customer Direct Debit Initiation V Mandate Related Information +++++Amendment Information Details Original Creditor Scheme Identification Contact Details Customer Direct Debit Initiation V Mandate Related Information +++++Amendment Information Details Original Creditor Agent Customer Direct Debit Initiation V Mandate Related Information +++++Amendment Information Details Original Creditor Agent Account Date And Place Of Birth Date and place of birth of a person. DtAndPlcOfBirth DateAndPlaceOfBirth SEPA Usage Rule(s) Only one occurrence of Other is allowed, and no other sub-elements are allowed. 'Identification' must be used with an identifier described in General Specifications, Chapter Proprietary under Scheme Name must specify SEPA. Other Unique identification of a person, as assigned by an institution, using an identification scheme. Othr GenericPersonIdentification1 Pattern Country Of Residence Country in which a person resides (the place of a person's home). In the case of a company, it is the country from which the affairs of that company are directed. CtryOfRes CountryCode [A-Z]{2,2} Contact Details Set of elements used to indicate how to contact the party. CtctDtls ContactDetails2 Original Creditor Agent Original creditor agent that has been modified. OrgnlCdtrAgt BranchAndFinancialInstitutionIdentification4 Original Creditor Agent Account Original creditor agent acount that has been modified. OrgnlCdtrAgtAcct CashAccount16 SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 28

30 Customer Direct Debit Initiation V Mandate Related Information +++++Amendment Information Details Original Debtor Customer Direct Debit Initiation V Mandate Related Information +++++Amendment Information Details Original Debtor Account Customer Direct Debit Initiation V Mandate Related Information +++++Amendment Information Details Original Debtor Agent Customer Direct Debit Initiation V Mandate Related Information +++++Amendment Information Details Original Debtor Agent Account Customer Direct Debit Initiation V Mandate Related Information +++++Amendment Information Details Original Final Collection Date Customer Direct Debit Initiation V Mandate Related Information +++++Amendment Information Details Original Frequency Original Debtor Original debtor that has been modified. OrgnlDbtr PartyIdentification32 SEPA Usage Rule(s) Only IBAN is allowed. To be used only for changes of accounts within the same bank. Original Debtor Account Original debtor account that has been modified. OrgnlDbtrAcct CashAccount16 SEPA Usage Rule(s) To use Identification under Other under Financial Institution Identification with code SMNDA to indicate same mandate with new Debtor Agent. To be used with the FRST indicator in the Sequence. PRE-NOTICE: The current requirement to use the sequence type FRST in a first of a recurrent series of Collections is no longer mandatory as of the effective date of November 2016 of the SEPA Core Direct Debit Rulebook version 9.0 (i.e. a first Collection can be used in the same way as a subsequent Collection with the sequence type RCUR ). Original Debtor Agent Original debtor agent that has been modified. OrgnlDbtrAgt BranchAndFinancialInstitutionIdentification4 Original Debtor Agent Account Original debtor agent account that has been modified. OrgnlDbtrAgtAcct CashAccount16 Original Final Collection Date Original final collection date that has been modified. OrgnlFnlColltnDt ISODate Original Frequency Original frequency that has been modified. OrgnlFrqcy Frequency1Code SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 29

31 Customer Direct Debit Initiation V Mandate Related Information +++++Electronic Signature Customer Direct Debit Initiation V Mandate Related Information +++++First Collection Date Customer Direct Debit Initiation V Mandate Related Information +++++Final Collection Date Customer Direct Debit Initiation V Mandate Related Information +++++Frequency Customer Direct Debit Initiation V Creditor Scheme Identification Customer Direct Debit Initiation V Creditor Scheme Identification +++++Name Customer Direct Debit Initiation V Creditor Scheme Identification +++++Postal Address SEPA Rulebook AT-16 Placeholder for the electronic signature data, if applicable. AT-17 of Mandate (paper, e-mandate). AT-60 Reference of the validation made by the Debtor Bank (if present in DS-03). SEPA Usage Rule(s) If the direct debit is based on an EPC electronic mandate, this data element must contain AT-60 which is the reference to the Mandate Acceptance Report made by the Debtor Bank. This data element is not to be used if the mandate is a paper mandate. Electronic Signature Additional security provisions, such as a digital signature, as provided by the debtor. ElctrncSgntr Max1025Text ISO Length SEPA Length First Collection Date Date of the first collection of a direct debit as per the mandate. FrstColltnDt ISODate Final Collection Date Date of the final collection of a direct debit as per the mandate. FnlColltnDt ISODate Frequency Regularity with which direct debit instructions are to be created and processed. Frqcy Frequency1Code SEPA Usage Rule(s) It is recommended that all transactions within the same Payment Information block have the same Creditor Scheme Identification. This data element must be present at either Payment Information or Direct Debit Transaction level. Creditor Scheme Identification Credit party that signs the mandate. CdtrSchmeId PartyIdentification32 Name Name by which a party is known and which is usually used to identify that party. Nm Max140Text ISO Length SEPA Length Postal Address Information that locates and identifies a specific address, as defined by postal services. PstlAdr PostalAddress6 SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 30

32 Customer Direct Debit Initiation V02 SEPA Rulebook AT-02 Identifier of the Creditor. SEPA Usage Rule(s) Mandatory Identification ++++Creditor Scheme Identification Unique and unambiguous identification of a party Identification Id Party6Choice 1..1 xs:choice Customer Direct Debit Initiation V02 Organisation Identification Unique and unambiguous way to identify an organisation. OrgId ++++Creditor Scheme Identification +++++Identification Organisation Identification OrganisationIdentification Customer Direct Debit Initiation V02 SEPA Usage Rule(s) Private Identification is used to identify either an organisation or a private person. Private Identification ++++Creditor Scheme Identification Unique and unambiguous identification of a person, eg, passport Identification PrvtId Private Identification PersonIdentification Customer Direct Debit Initiation V02 Date And Place Of Birth Date and place of birth of a person. DtAndPlcOfBirth ++++Creditor Scheme Identification +++++Identification Private Identification Date And Place Of Birth DateAndPlaceOfBirth Customer Direct Debit Initiation V Creditor Scheme Identification +++++Identification Private Identification SEPA Usage Rule(s) Only one occurrence of Other is allowed, and no other sub-elements are allowed. 'Identification' must be used with an identifier described in General Specifications, Chapter Proprietary under Scheme Name must specify SEPA Other Other Unique identification of a person, as assigned by an institution, using an identification scheme. Othr GenericPersonIdentification Customer Direct Debit Initiation V Creditor Scheme Identification +++++Country Of Residence Customer Direct Debit Initiation V Creditor Scheme Identification +++++Contact Details Pattern Country Of Residence Country in which a person resides (the place of a person's home). In the case of a company, it is the country from which the affairs of that company are directed. CtryOfRes CountryCode [A-Z]{2,2} Contact Details Set of elements used to indicate how to contact the party. CtctDtls ContactDetails2 SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 31

33 Customer Direct Debit Initiation V Pre Notification Identification Customer Direct Debit Initiation V Pre Notification Date Customer Direct Debit Initiation V02 +++Ultimate Creditor Customer Direct Debit Initiation V02 +++Ultimate Creditor ++++Name Customer Direct Debit Initiation V02 +++Ultimate Creditor ++++Postal Address Customer Direct Debit Initiation V02 +++Ultimate Creditor ++++Identification Pre Notification Identification Unique and unambiguous identification of the pre-notification which is sent separately from the direct debit instruction. Usage: The direct debit pre-notification is used to reconcile separately sent collection information with the direct debit transaction information. PreNtfctnId Pre Notification Date Date on which the creditor notifies the debtor about the amount and date on which the direct debit instruction will be presented to the debtor's agent. PreNtfctnDt ISODate SEPA Usage Rule(s) This data element may be present either at Payment Information or at Direct Debit Transaction Information level. Ultimate Creditor Ultimate party to which an amount of money is due. UltmtCdtr PartyIdentification32 SEPA Rulebook AT-38 Name of the Creditor Reference Party. SEPA Usage Rule(s) Name is limited to 70 characters in length. Name Name by which a party is known and which is usually used to identify that party. Nm Max140Text ISO Length SEPA Length Postal Address Information that locates and identifies a specific address, as defined by postal services. PstlAdr PostalAddress6 SEPA Rulebook AT-39 Identification code of the Creditor Reference Party. Identification Unique and unambiguous identification of a party. Id Party6Choice 1..1 xs:choice Customer Direct Debit Initiation V02 SEPA Usage Rule(s) Either BIC or BEI or one occurrence of Other is allowed. Organisation Identification +++Ultimate Creditor ++++Identification Unique and unambiguous way to identify an organisation Organisation Identification OrgId OrganisationIdentification4 SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 32

34 Customer Direct Debit Initiation V02 +++Ultimate Creditor ++++Identification +++++Private Identification Customer Direct Debit Initiation V02 +++Ultimate Creditor ++++Country Of Residence Customer Direct Debit Initiation V02 +++Ultimate Creditor ++++Contact Details Customer Direct Debit Initiation V02 +++Debtor Agent Customer Direct Debit Initiation V02 +++Debtor Agent ++++Financial Institution Identification Customer Direct Debit Initiation V02 +++Debtor Agent ++++Financial Institution Identification +++++BIC Customer Direct Debit Initiation V02 +++Debtor Agent ++++Financial Institution Identification +++++Clearing System Member Identification SEPA Usage Rule(s) Either Date and Place of Birth or one occurrence of Other is allowed. Private Identification Unique and unambiguous identification of a person, eg, passport. PrvtId PersonIdentification5 Country Of Residence Country in which a person resides (the place of a person's home). In the case of a company, it is the country from which the affairs of that company are directed. CtryOfRes CountryCode Pattern [A-Z]{2,2} Contact Details Set of elements used to indicate how to contact the party. CtctDtls ContactDetails2 Debtor Agent Financial institution servicing an account for the debtor. DbtrAgt BranchAndFinancialInstitutionIdentification4 SEPA Usage Rule(s) Either BIC or Other/Identification must be used. Financial Institution Identification Unique and unambiguous identification of a financial institution, as assigned under an internationally recognised or proprietary identification scheme. FinInstnId FinancialInstitutionIdentification7 SEPA Rulebook AT-13 BIC of the Debtor Bank. The BIC is optional for national transactions except if Member States use the waiver as per Article 16(6) of EU Regulation 260/2012. The BIC is mandatory for EU/EEA cross-border transactions until 31 January 2016 and it will continue to be mandatory for non-eu/non-eea cross-border SEPA transactions. BIC Code allocated to a financial institution by the ISO 9362 Registration Authority as described in ISO 9362 "Banking - Banking telecommunication messages - Business identifier code (BIC)". BIC BICIdentifier Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3, 3}){0,1} Clearing System Member Identification Information used to identify a member within a clearing system. ClrSysMmbId ClearingSystemMemberIdentification2 SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 33

35 Customer Direct Debit Initiation V02 +++Debtor Agent ++++Financial Institution Identification +++++Name Customer Direct Debit Initiation V02 +++Debtor Agent ++++Financial Institution Identification +++++Postal Address Customer Direct Debit Initiation V02 +++Debtor Agent ++++Financial Institution Identification +++++Other Customer Direct Debit Initiation V02 +++Debtor Agent ++++Financial Institution Identification +++++Other Identification Customer Direct Debit Initiation V02 +++Debtor Agent ++++Financial Institution Identification +++++Other Scheme Name Customer Direct Debit Initiation V02 +++Debtor Agent ++++Financial Institution Identification +++++Other Issuer Customer Direct Debit Initiation V02 +++Debtor Agent ++++Branch Identification Customer Direct Debit Initiation V02 +++Debtor Agent Account Name Name by which an agent is known and which is usually used to identify that agent. Nm Max140Text ISO Length SEPA Length Postal Address Information that locates and identifies a specific address, as defined by postal services. PstlAdr PostalAddress6 Other Unique identification of an agent, as assigned by an institution, using an identification scheme. Othr GenericFinancialIdentification1 SEPA Usage Rule(s) Only NOTPROVIDED is allowed. Identification Unique and unambiguous identification of a person. Id Scheme Name Name of the identification scheme. SchmeNm FinancialIdentificationSchemeName1Choice Issuer Entity that assigns the identification. Issr Branch Identification Identifies a specific branch of a financial institution. Usage: This component should be used in case the identification information in the financial institution component does not provide identification up to branch level. BrnchId BranchData2 Debtor Agent Account Unambiguous identification of the account of the debtor agent at its servicing agent in the payment chain. DbtrAgtAcct CashAccount16 SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 34

36 Customer Direct Debit Initiation V02 +++Debtor Customer Direct Debit Initiation V02 +++Debtor ++++Name Customer Direct Debit Initiation V02 +++Debtor ++++Postal Address Customer Direct Debit Initiation V02 +++Debtor ++++Postal Address +++++Address Customer Direct Debit Initiation V02 +++Debtor ++++Postal Address +++++Department Customer Direct Debit Initiation V02 +++Debtor ++++Postal Address +++++Sub Department Customer Direct Debit Initiation V02 +++Debtor ++++Postal Address +++++Street Name Debtor Party that owes an amount of money to the (ultimate) creditor. Dbtr PartyIdentification32 SEPA Rulebook AT-14 Name of the Debtor. SEPA Usage Rule(s) Mandatory Name is limited to 70 characters in length. In case of a mandate generated using data from a payment card at the point of sale which results in a direct debit to and from a payment account, and where the name of the Debtor is not available, the attribute Name of the Debtor must be filled in with /CDGM (note: Card Data Generated Mandate), followed by /card number, /sequence number and /expiry date of the card (note: this means that the information parts are delimited by / ) or, if these data elements are not available, by any other data element(s) that would uniquely identify the Debtor to the Debtor Bank. Name Name by which a party is known and which is usually used to identify that party. Nm Max140Text ISO Length SEPA Length SEPA Rulebook AT-09 Address of the Debtor. Postal Address Information that locates and identifies a specific address, as defined by postal services. PstlAdr PostalAddress6 Address Identifies the nature of the postal address. AdrTp Address2Code Department Identification of a division of a large organisation or building. Dept Max70Text ISO Length SEPA Length Sub Department Identification of a sub-division of a large organisation or building. SubDept Max70Text ISO Length SEPA Length Street Name Name of a street or thoroughfare. StrtNm Max70Text ISO Length SEPA Length SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 35

37 Customer Direct Debit Initiation V02 +++Debtor ++++Postal Address +++++Building Number Customer Direct Debit Initiation V02 +++Debtor ++++Postal Address +++++Post Code Customer Direct Debit Initiation V02 +++Debtor ++++Postal Address +++++Town Name Customer Direct Debit Initiation V02 +++Debtor ++++Postal Address +++++Country Sub Division Customer Direct Debit Initiation V02 +++Debtor ++++Postal Address +++++Country Customer Direct Debit Initiation V02 +++Debtor ++++Postal Address +++++Address Line Building Number Number that identifies the position of a building on a street. BldgNb Max16Text ISO Length SEPA Length Post Code Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the sorting of mail. PstCd Max16Text ISO Length SEPA Length Town Name Name of a built-up area, with defined boundaries, and a local government. TwnNm Country Sub Division Identifies a subdivision of a country such as state, region, county. CtrySubDvsn Country Nation with its own government. Ctry CountryCode Pattern [A-Z]{2,2} SEPA Usage Rule(s) Only two occurrences are allowed. Address Line Information that locates and identifies a specific address, as defined by postal services, presented in free format text. AdrLine Max70Text ISO Length SEPA Length Customer Direct Debit Initiation V02 SEPA Rulebook AT-27 Debtor identification code. Identification +++Debtor Unique and unambiguous identification of a party. ++++Identification Id Party6Choice 1..1 xs:choice Customer Direct Debit Initiation V02 SEPA Usage Rule(s) Either BIC or BEI or one occurrence of Other is allowed. Organisation Identification +++Debtor ++++Identification Unique and unambiguous way to identify an organisation Organisation Identification OrgId OrganisationIdentification4 SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 36

38 Customer Direct Debit Initiation V02 SEPA Usage Rule(s) Either Date and Place of Birth or one occurrence of Other is allowed. Private Identification +++Debtor ++++Identification Unique and unambiguous identification of a person, eg, passport Private Identification PrvtId PersonIdentification Customer Direct Debit Initiation V02 Country Of Residence +++Debtor ++++Country Of Residence Country in which a person resides (the place of a person's home). In the case of a company, it is the country from which the affairs of that company are directed. CtryOfRes CountryCode Pattern [A-Z]{2,2} Customer Direct Debit Initiation V02 Contact Details Set of elements used to indicate how to contact the party. +++Debtor CtctDtls ++++Contact Details ContactDetails Customer Direct Debit Initiation V02 SEPA Rulebook AT-07 Account Number of the Debtor. SEPA Usage Rule(s) Only IBAN is allowed. Debtor Account +++Debtor Account Unambiguous identification of the account of the debtor to which a debit entry will be made as a result of the transaction. DbtrAcct CashAccount Customer Direct Debit Initiation V02 SEPA Usage Rule(s) Mandatory, if provided by the Debtor in the Mandate. Ultimate Debtor +++Ultimate Debtor Ultimate party that owes an amount of money to the (ultimate) creditor. UltmtDbtr PartyIdentification Customer Direct Debit Initiation V02 SEPA Rulebook AT-15 Name of the Debtor Reference Party. +++Ultimate Debtor SEPA Usage Rule(s) Name is limited to 70 characters in length. Mandatory if provided by the Debtor in the mandate. ++++Name Name Name by which a party is known and which is usually used to identify that party. Nm Max140Text ISO Length SEPA Length Customer Direct Debit Initiation V02 Postal Address Information that locates and identifies a specific address, as defined by postal services. +++Ultimate Debtor PstlAdr ++++Postal Address PostalAddress Customer Direct Debit Initiation V02 SEPA Rulebook AT-37 Identification code of the Debtor Reference Party. Identification +++Ultimate Debtor ++++Identification Unique and unambiguous identification of a party. Id Party6Choice 1..1 xs:choice SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 37

39 Customer Direct Debit Initiation V02 SEPA Usage Rule(s) Either BIC or BEI or one occurrence of Other is allowed. Organisation Identification +++Ultimate Debtor ++++Identification Unique and unambiguous way to identify an organisation Organisation Identification OrgId OrganisationIdentification Customer Direct Debit Initiation V02 SEPA Usage Rule(s) Either Date and Place of Birth or one occurrence of Other is allowed. Private Identification +++Ultimate Debtor ++++Identification Unique and unambiguous identification of a person, eg, passport Private Identification PrvtId PersonIdentification Customer Direct Debit Initiation V02 Country Of Residence +++Ultimate Debtor ++++Country Of Residence Country in which a person resides (the place of a person's home). In the case of a company, it is the country from which the affairs of that company are directed. CtryOfRes CountryCode Pattern [A-Z]{2,2} Customer Direct Debit Initiation V02 Contact Details Set of elements used to indicate how to contact the party. +++Ultimate Debtor CtctDtls ++++Contact Details ContactDetails Customer Direct Debit Initiation V02 Instruction For Creditor Agent +++Instruction For Creditor Agent Further information, related to the processing of the payment instruction, that may need to be acted upon by the creditor agent, depending on agreement between creditor and the creditor agent. InstrForCdtrAgt Max140Text ISO Length SEPA Length Customer Direct Debit Initiation V02 SEPA Rulebook AT-58 Purpose of the Collection. Purpose +++Purpose Underlying reason for the payment transaction. Usage: Purpose is used by the end-customers, that is initiating party, (ultimate) debtor, (ultimate) creditor to provide information concerning the nature of the payment. Purpose is a content element, which is not used for processing by any of the agents involved in the payment chain. Purp Purpose2Choice 1..1 xs:choice Customer Direct Debit Initiation V02 Code Underlying reason for the payment transaction, as published in an external purpose code list. +++Purpose Cd ++++Code ExternalPurpose1Code ISO Length SEPA Length SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 38

40 Customer Direct Debit Initiation V02 +++Purpose ++++Proprietary Customer Direct Debit Initiation V02 +++Regulatory Reporting Customer Direct Debit Initiation V02 +++Tax Customer Direct Debit Initiation V02 +++Related Remittance Information Customer Direct Debit Initiation V02 +++Remittance Information Customer Direct Debit Initiation V02 +++Remittance Information ++++Unstructured Customer Direct Debit Initiation V02 +++Remittance Information ++++Structured Proprietary Purpose, in a proprietary form. Prtry Regulatory Reporting Information needed due to regulatory and statutory requirements. RgltryRptg RegulatoryReporting3 Tax Set of elements used to provide details on the tax. Tax TaxInformation3 Related Remittance Information Set of elements used to provide information related to the handling of the remittance information by any of the agents in the transaction processing chain. RltdRmtInf RemittanceLocation2 SEPA Rulebook AT-22 Remittance information from the Creditor. SEPA Usage Rule(s) Either Structured or Unstructured, may be present. Remittance Information Information supplied to enable the matching of an entry with the items that the transfer is intended to settle, such as commercial invoices in an accounts' receivable system. RmtInf RemittanceInformation5 SEPA Usage Rule(s) Unstructured may carry structured remittance information, as agreed between the Creditor and the Debtor. Only one occurrence of Unstructured is allowed. Unstructured Information supplied to enable the matching/ reconciliation of an entry with the items that the payment is intended to settle, such as commercial invoices in an accounts' receivable system, in an unstructured form. Ustrd Max140Text ISO Length SEPA Length SEPA Usage Rule(s) Structured can be used, provided the tags and the data within the Structured element do not exceed 140 characters in length. Only one occurrence of Structured is allowed. Structured Information supplied to enable the matching/ reconciliation of an entry with the items that the payment is intended to settle, such as commercial invoices in an accounts' receivable system, in a structured form. Strd StructuredRemittanceInformation7 SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 39

41 n Customer Direct Debit Initiation V02 +++Remittance Information ++++Structured +++++Referred Document Information Customer Direct Debit Initiation V02 +++Remittance Information ++++Structured +++++Referred Document Amount Customer Direct Debit Initiation V02 +++Remittance Information ++++Structured +++++Creditor Reference Information Customer Direct Debit Initiation V02 +++Remittance Information ++++Structured +++++Creditor Reference Information Customer Direct Debit Initiation V02 +++Remittance Information ++++Structured +++++Creditor Reference Information Code Or Proprietary Referred Document Information Set of elements used to identify the documents referred to in the remittance information. RfrdDocInf ReferredDocumentInformation3 Referred Document Amount Set of elements used to provide details on the amounts of the referred document. RfrdDocAmt RemittanceAmount1 SEPA Usage Rule(s) When present, the Creditor Bank is not obliged to validate the reference information. When used, both and Reference must be present. Creditor Reference Information Reference information provided by the creditor to allow the identification of the underlying documents. CdtrRefInf CreditorReferenceInformation2 Specifies the type of creditor reference. Tp CreditorReference2 Code Or Proprietary Coded or proprietary format creditor reference type. CdOrPrtry CreditorReference1Choice 1..1 xs:choice Customer Direct Debit Initiation V02 SEPA Usage Rule(s) Only SCOR is allowed. Code of creditor reference, in a coded form. +++Remittance Information Cd ++++Structured +++++Creditor Reference Information Code Or Proprietary Code Document3Code SEPA Code Restrictions SCOR StructuredCommunicationReference Document is a structured communication reference provided by the creditor to identify the referred transaction. SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 40

42 Customer Direct Debit Initiation V02 +++Remittance Information ++++Structured +++++Creditor Reference Information Code Or Proprietary Proprietary Customer Direct Debit Initiation V02 +++Remittance Information ++++Structured +++++Creditor Reference Information Issuer Customer Direct Debit Initiation V02 +++Remittance Information ++++Structured +++++Creditor Reference Information Reference Proprietary Creditor reference type, in a proprietary form. Prtry Issuer Entity that assigns the credit reference type. Issr SEPA Usage Rule(s) If Creditor Reference contains a check digit, the receiving bank is not required to validate this. If the receiving bank validates the check digit and if this validation fails, the bank may continue its processing and send the transaction to the next party in the chain. RF Creditor Reference may be used (ISO 11649). Reference Unique reference, as assigned by the creditor, to unambiguously refer to the payment transaction. Usage: If available, the initiating party should provide this reference in the structured remittance information, to enable reconciliation by the creditor upon receipt of the amount of money Customer Direct Debit Initiation V02 +++Remittance Information ++++Structured +++++Invoicer Customer Direct Debit Initiation V02 +++Remittance Information ++++Structured +++++Invoicee If the business context requires the use of a creditor reference or a payment remit identification, and only one identifier can be passed through the end-to-end chain, the creditor's reference or payment remittance identification should be quoted in the end-to-end transaction identification. Ref Invoicer Identification of the organisation issuing the invoice, when it is different from the creditor or ultimate creditor. Invcr PartyIdentification32 Invoicee Identification of the party to whom an invoice is issued, when it is different from the debtor or ultimate debtor. Invcee PartyIdentification32 SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 41

43 Customer Direct Debit Initiation V02 +++Remittance Information ++++Structured +++++Additional Remittance Information ISO Length SEPA Length Additional Remittance Information Additional information, in free text form, to complement the structured remittance information. AddtlRmtInf Max140Text SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 42

44 2.2 Customer to Bank Instruction for a Collection (Based on DS-07 and DS-03) Use of the Customer to Bank Payment (pain ) The use of this message is recommended. The message elements identified with yellow shading must be provided when mandatory. However, message elements known by the Creditor Bank may be filled in by the Creditor s Bank for populating the subsequent interbank message. This is a matter between the Creditor and the Creditor s Bank. The message is used to transport the Customer to Bank Instruction for a Collection sent by the Creditor to the Creditor bank. The message caters for bulk and single reversal instructions. Note: Attribute AT-R1 in DS-07 is indicated by the Message Name, pain and the Original Message Name Identification, pain Note: Message elements under Original Transaction Reference sequence are based on DS- 03 attributes. SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved November 2014 Page 43

45 Document Document Document 1..1 Customer Payment V02 Customer Payment V02 The CustomerPayment message is sent by the initiating party to the next party in the payment chain. It is used to reverse a payment previously executed. CstmrPmtRvsl CustomerPaymentV Customer Payment V02 Group Header Set of characteristics shared by all individual transactions included in the message. GrpHdr GroupHeader Customer Payment V02 Message Identification ++Message Identification Point to point reference, as assigned by the instructing party, and sent to the next party in the chain to unambiguously identify the message. Usage: The instructing party has to make sure that MessageIdentification is unique per instructed party for a pre-agreed period. MsgId Customer Payment V02 ++Creation Date Time Customer Payment V02 ++Authorisation Creation Date Time Date and time at which the message was created. CreDtTm ISODateTime Authorisation User identification or any user key to be used to check whether the initiating party is allowed to initiate transactions from the account specified in the message Customer Payment V02 ++Batch Booking Customer Payment V02 ++Number Of Transactions Usage: The content is not of a technical nature, but reflects the organisational structure at the initiating side. The authorisation element can typically be used in relay scenarios, payment initiations, payment returns or payment reversals that are initiated on behalf of a party different from the initiating party. Authstn Authorisation1Choice Batch Booking Identifies whether a single entry per individual transaction or a batch entry for the sum of the amounts of all transactions within the group of a message is requested. Usage: Batch booking is used to request and not order a possible batch booking. BtchBookg BatchBookingIndicator Number Of Transactions Number of individual transactions contained in the message. NbOfTxs Max15NumericText Pattern [0-9]{1,15} SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 44

46 Customer Payment V02 Control Sum ++Control Sum Total of all individual amounts included in the message, irrespective of currencies. CtrlSum DecimalNumber SEPA FractDigits 17 TotalDigits Customer Payment V02 SEPA Usage Rule(s) It is recommended that false is used. Group ++Group Indicates whether the reversal applies to the whole group of transactions or to individual transactions within the original group. GrpRvsl TrueFalseIndicator Customer Payment V02 Initiating Party ++Initiating Party Party that initiates the reversal message. Usage: This can be either the creditor or a party that initiates the reversal of the direct debit on behalf of the creditor. InitgPty PartyIdentification Customer Payment V02 SEPA Usage Rule(s) Name is limited to 70 characters in length. Name ++Initiating Party +++Name Name by which a party is known and which is usually used to identify that party. Nm Max140Text ISO Length SEPA Length Customer Payment V02 Postal Address ++Initiating Party Information that locates and identifies a specific address, as defined by postal services. +++Postal Address PstlAdr PostalAddress Customer Payment V02 Identification ++Initiating Party Unique and unambiguous identification of a party. +++Identification Id Party6Choice 1..1 xs:choice Customer Payment V02 SEPA Usage Rule(s) Either BIC or BEI or one occurrence of Other is allowed. ++Initiating Party Organisation Identification +++Identification ++++Organisation Identification Unique and unambiguous way to identify an organisation. OrgId OrganisationIdentification Customer Payment V02 SEPA Usage Rule(s) Either Date and Place of Birth or one occurrence of Other is allowed. ++Initiating Party Private Identification +++Identification ++++Private Identification Unique and unambiguous identification of a person, eg, passport. PrvtId PersonIdentification5 SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 45

47 Customer Payment V02 ++Initiating Party +++Country Of Residence Customer Payment V02 ++Initiating Party +++Contact Details Customer Payment V02 ++Forwarding Agent Customer Payment V02 ++Debtor Agent Customer Payment V02 ++Creditor Agent Customer Payment V02 +Original Group Information Customer Payment V02 +Original Group Information ++Original Message Identification Customer Payment V02 +Original Group Information ++Original Message Name Identification Customer Payment V02 +Original Group Information ++Original Creation Date Time Country Of Residence Country in which a person resides (the place of a person's home). In the case of a company, it is the country from which the affairs of that company are directed. CtryOfRes CountryCode Pattern [A-Z]{2,2} Contact Details Set of elements used to indicate how to contact the party. CtctDtls ContactDetails2 Forwarding Agent Financial institution that receives the instruction from the initiating party and forwards it to the next agent in the payment chain. FwdgAgt BranchAndFinancialInstitutionIdentification4 Debtor Agent Financial institution servicing an account for the debtor. DbtrAgt BranchAndFinancialInstitutionIdentification4 SEPA Rulebook AT-12 BIC of the Creditor bank. Creditor Agent Financial institution servicing an account for the creditor. CdtrAgt BranchAndFinancialInstitutionIdentification4 Original Group Information Information concerning the original group of transactions, to which the message refers. OrgnlGrpInf OriginalGroupInformation22 Original Message Identification Point to point reference, as assigned by the original instructing party, to unambiguously identify the original message. OrgnlMsgId Original Message Name Identification Specifies the original message name identifier to which the message refers. OrgnlMsgNmId Original Creation Date Time Date and time at which the original message was created. OrgnlCreDtTm ISODateTime SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 46

48 Customer Payment V02 SEPA Usage Rule(s) Only one occurrence is allowed. +Original Group Information Reason Information ++ Reason Information Set of elements used to provide detailed information on the reversal reason. RvslRsnInf ReasonInformation Customer Payment V02 Originator +Original Group Information Party that issues the reversal. ++ Reason Information Orgtr +++Originator PartyIdentification Customer Payment V02 +Original Group Information ++ Reason Information +++Reason SEPA Usage Rule(s) Reason must be present either in Original Group Information, Original Payment Information and or Transaction Information. Reason Specifies the reason for the reversal. Rsn Reason4Choice 1..1 xs:choice Customer Payment V02 +Original Group Information SEPA Rulebook AT-31 reason code. See Specifications below. ++ Reason Information Code +++Reason ++++Code Reason for the reversal, as published in an external reason code list. Cd ExternalReason1Code ISO Length SEPA Length Customer Payment V02 Proprietary +Original Group Information Reason for the reversal, in a proprietary form. ++ Reason Information Prtry +++Reason ++++Proprietary n Customer Payment V02 Additional Information +Original Group Information Further details on the reversal reason. ++ Reason Information AddtlInf +++Additional Information Max105Text ISO Length SEPA Length n Customer Payment V02 Original Payment Information And Information concerning the original payment information, to which the reversal message refers. OrgnlPmtInfAndRvsl OriginalPaymentInformation Customer Payment V02 Payment Information Identification ++ Payment Information Identification Unique identification, as assigned by an instructing party for an instructed party, to unambiguously identify the reversed payment information group. Usage: The instructing party is the party sending the reversal message and not the party that sent the original instruction that is being reversed. RvslPmtInfId SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 47

49 Customer Payment V02 ++Original Payment Information Identification Customer Payment V02 ++Original Number Of Transactions Customer Payment V02 ++Original Control Sum Customer Payment V02 ++Batch Booking Customer Payment V Customer Payment V02 ++ Reason Information Customer Payment V02 ++ Reason Information +++Originator Customer Payment V02 ++ Reason Information +++Reason 1..1 xs:choice Original Payment Information Identification Unique identification, as assigned by the original sending party, to unambiguously identify the original payment information group. OrgnlPmtInfId Original Number Of Transactions Number of individual transactions contained in the original payment information group. OrgnlNbOfTxs Max15NumericText Pattern [0-9]{1,15} Original Control Sum Total of all individual amounts included in the original payment information group, irrespective of currencies. OrgnlCtrlSum DecimalNumber SEPA FractDigits 17 TotalDigits 18 Batch Booking Identifies whether a single entry per individual transaction or a batch entry for the sum of the amounts of all transactions within the group of a message is requested. Usage: Batch booking is used to request and not order a possible batch booking. BtchBookg BatchBookingIndicator Payment Information Indicates whether or not the reversal applies to the complete original payment information group or to individual transactions within that group. PmtInfRvsl TrueFalseIndicator SEPA Usage Rule(s) Only one occurence is allowed. Reason Information Set of elements used to provide detailed information on the reversal reason. RvslRsnInf ReasonInformation6 Originator Party that issues the reversal. Orgtr PartyIdentification32 SEPA Usage Rule(s) Reason must be present either in Original Group Information, Original Payment Information and, or Transaction Information. Reason Specifies the reason for the reversal. Rsn Reason4Choice SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 48

50 Customer Payment V02 ++ Reason Information +++Reason ++++Code Customer Payment V02 ++ Reason Information +++Reason ++++Proprietary n Customer Payment V02 ++ Reason Information +++Additional Information n Customer Payment V02 ++Transaction Information Customer Payment V02 ++Transaction Information +++ Identification Customer Payment V02 ++Transaction Information +++Original Instruction Identification Customer Payment V02 ++Transaction Information +++Original End To End Identification SEPA Rulebook AT-31 reason code. Code Reason for the reversal, as published in an external reason code list. Cd ExternalReason1Code ISO Length SEPA Length Proprietary Reason for the reversal, in a proprietary form. Prtry Additional Information Further details on the reversal reason. AddtlInf Max105Text ISO Length SEPA Length Transaction Information Set of elements used to provide information on the original transactions to which the reversal message refers. TxInf PaymentTransactionInformation28 Identification Unique identification, as assigned by an instructing party for an instructed party, to unambiguously identify the reversed transaction. Usage: The instructing party is the party sending the reversal message and not the party that sent the original instruction that is being reversed. RvslId Original Instruction Identification Unique identification, as assigned by the original instructing party for the original instructed party, to unambiguously identify the original instruction. OrgnlInstrId SEPA Rulebook AT-10 Creditor reference of the direct debit Collection. SEPA Usage Rule(s) Mandatory Original End To End Identification Unique identification, as assigned by the original initiating party, to unambiguously identify the original transaction. OrgnlEndToEndId SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 49

51 Customer Payment V02 ++Transaction Information +++Original Instructed Amount Customer Payment V02 ++Transaction Information +++Reversed Instructed Amount Customer Payment V02 ++Transaction Information +++Charge Bearer Customer Payment V02 ++Transaction Information +++ Reason Information Customer Payment V02 ++Transaction Information +++ Reason Information ++++Originator SEPA Rulebook AT-06 Amount of the Collection in euro. SEPA Usage Rule(s) Only EUR is allowed. Amount must be 0.01 or more and or less. SEPA Format The fractional part has a maximum of two digits. Rule(s) Original Instructed Amount Amount of money, as provided in the original transaction, to be moved between the debtor and the creditor, before deduction of charges, expressed in the currency, as ordered by the original initiating party. OrgnlInstdAmt ActiveOrHistoricCurrencyAndAmount SEPA FractDigits 2 TotalDigits 18 SEPA Inclusive SEPA Usage Rule(s) Amount of the must be the same as the Amount of the Collection in euro (AT-06). Only EUR is allowed. Amount must be 0.01 or more and or less. SEPA Format The fractional part has a maximum of two digits. Rule(s) Reversed Instructed Amount Amount of money to be moved between the debtor and the creditor, before deduction of charges, in the reversed transaction. RvsdInstdAmt ActiveOrHistoricCurrencyAndAmount SEPA FractDigits 2 TotalDigits 18 SEPA Inclusive SEPA Usage Rule(s) Only SLEV is allowed. Charge Bearer Specifies if the creditor and/or debtor will bear the charges associated with the processing of the payment transaction. Usage: The ChargeBearer applies to the reversal message, not to the original instruction. ChrgBr ChargeBearer1Code SEPA Code Restrictions SLEV FollowingServiceLevel Charges are to be applied following the rules agreed in the service level and/or scheme. SEPA Usage Rule(s) Only one occurrence is allowed. Reason Information Set of elements used to provide detailed information on the reversal reason. RvslRsnInf ReasonInformation6 Originator Party that issues the reversal. Orgtr PartyIdentification32 SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 50

52 Customer Payment V02 ++Transaction Information +++ Reason Information ++++Reason SEPA Usage Rule(s) Reason must be present either in Original Group Information, Original Payment Information and or Transaction Information. Reason Specifies the reason for the reversal. Rsn Reason4Choice 1..1 xs:choice Customer Payment V02 SEPA Rulebook AT-31 reason code. Code ++Transaction Information Reason for the reversal, as published in an external reason code list. +++ Reason Information Cd ++++Reason ExternalReason1Code +++++Code ISO Length SEPA Length Customer Payment V02 Proprietary Reason for the reversal, in a proprietary form. Prtry ++Transaction Information +++ Reason Information ++++Reason +++++Proprietary n Customer Payment V02 ++Transaction Information +++ Reason Information ++++Additional Information Customer Payment V02 ++Transaction Information Customer Payment V02 ++Transaction Information ++++Interbank Settlement Amount Customer Payment V02 ++Transaction Information ++++Amount Additional Information Further details on the reversal reason. AddtlInf Max105Text ISO Length SEPA Length SEPA Rulebook An exact copy of all attributes of the received DS-03 which is being reversed. SEPA Usage Rule(s) Mandatory The message elements under Original Transaction Reference must be populated with the same value as the message elements of the original instruction, as defined within the following elements. Original Transaction Reference Set of key elements used to identify the original transaction that is being referred to. OrgnlTxRef OriginalTransactionReference13 Interbank Settlement Amount Amount of money moved between the instructing agent and the instructed agent. IntrBkSttlmAmt ActiveOrHistoricCurrencyAndAmount SEPA FractDigits 5 TotalDigits 18 SEPA Inclusive 0.. Amount Amount of money to be moved between the debtor and creditor, before deduction of charges, expressed in the currency as ordered by the initiating party. Amt Amount3Choice SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 51

53 Customer Payment V02 ++Transaction Information ++++Interbank Settlement Date Customer Payment V02 ++Transaction Information ++++Requested Collection Date Customer Payment V02 ++Transaction Information ++++Requested Execution Date Customer Payment V02 ++Transaction Information ++++Creditor Scheme Identification Customer Payment V02 ++Transaction Information ++++Settlement Information Customer Payment V02 ++Transaction Information ++++Payment Information Customer Payment V02 ++Transaction Information ++++Payment Method SEPA Rulebook SEPA Rulebook SEPA Rulebook Interbank Settlement Date Date on which the amount of money ceases to be available to the agent that owes it and when the amount of money becomes available to the agent to which it is due. IntrBkSttlmDt ISODate AT-11 Due date of the Collection. Requested Collection Date Date and time at which the creditor requests that the amount of money is to be collected from the debtor. ReqdColltnDt ISODate Requested Execution Date Date at which the initiating party requests the clearing agent to process the payment. Usage: This is the date on which the debtor's account is to be debited. If payment by cheque, the date when the cheque must be generated by the bank. ReqdExctnDt ISODate AT-02 Identifier of the Creditor. Creditor Scheme Identification Credit party that signs the mandate. CdtrSchmeId PartyIdentification32 Settlement Information Specifies the details on how the settlement of the original transaction(s) between the instructing agent and the instructed agent was completed. SttlmInf SettlementInformation13 AT-20 Identification code of the Scheme. AT-21 Transaction / Sequence. AT-59 Category purpose of the Collection. Payment Information Set of elements used to further specify the type of transaction. PmtTpInf PaymentInformation22 Payment Method Specifies the means of payment that will be used to move the amount of money. PmtMtd PaymentMethod4Code SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 52

54 Customer Payment V02 ++Transaction Information ++++Mandate Related Information Customer Payment V02 ++Transaction Information ++++Remittance Information Customer Payment V02 ++Transaction Information ++++Ultimate Debtor Customer Payment V02 ++Transaction Information ++++Debtor Customer Payment V02 ++Transaction Information ++++Debtor Account Customer Payment V02 ++Transaction Information ++++Debtor Agent SEPA Rulebook SEPA Rulebook SEPA Rulebook SEPA Rulebook SEPA Rulebook SEPA Rulebook AT-01 Unique Mandate reference. AT-16 Placeholder for the electronic signature data, if applicable. AT-17 of Mandate (paper, e-mandate). AT-18 Identifier of the original Creditor who issued the Mandate. AT-19 Unique Mandate reference as given by the original Creditor who issued the Mandate. AT-24 Reason for Amendment of the Mandate. AT-25 Signing date of the Mandate. AT-60 Reference of the validation made by the Debtor Bank (if present in DS-03). Mandate Related Information Set of elements used to provide further details of the mandate signed between the creditor and the debtor. MndtRltdInf MandateRelatedInformation6 AT-22 Remittance information. Remittance Information Information supplied to enable the matching of an entry with the items that the transfer is intended to settle, such as commercial invoices in an accounts' receivable system. RmtInf RemittanceInformation5 AT-15 Name of the Debtor Reference Party. AT-37 Identification code of the Debtor Reference Party. Ultimate Debtor Ultimate party that owes an amount of money to the (ultimate) creditor. UltmtDbtr PartyIdentification32 AT-14 Name of the Debtor. AT-09 Address of the Debtor. AT-27 Debtor identification code. Debtor Party that owes an amount of money to the (ultimate) creditor. Dbtr PartyIdentification32 AT-07 Account number (IBAN) of the Debtor. Debtor Account Unambiguous identification of the account of the debtor to which a debit entry will be made as a result of the transaction. DbtrAcct CashAccount16 AT-13 BIC of the Debtor Bank (if present in DS- 03). Debtor Agent Financial institution servicing an account for the debtor. DbtrAgt BranchAndFinancialInstitutionIdentification4 SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 53

55 Customer Payment V02 ++Transaction Information ++++Debtor Agent Account Customer Payment V02 ++Transaction Information ++++Creditor Agent Customer Payment V02 ++Transaction Information ++++Creditor Agent Account Customer Payment V02 ++Transaction Information ++++Creditor Customer Payment V02 ++Transaction Information ++++Creditor Account Customer Payment V02 ++Transaction Information ++++Ultimate Creditor SEPA Rulebook SEPA Rulebook SEPA Rulebook SEPA Rulebook Debtor Agent Account Unambiguous identification of the account of the debtor agent at its servicing agent in the payment chain. DbtrAgtAcct CashAccount16 AT-12 BIC of the Creditor Bank (if present in DS-03). Creditor Agent Financial institution servicing an account for the creditor. CdtrAgt BranchAndFinancialInstitutionIdentification4 Creditor Agent Account Unambiguous identification of the account of the creditor agent at its servicing agent to which a credit entry will be made as a result of the payment transaction. CdtrAgtAcct CashAccount16 AT-03 Name of the Creditor. AT-05 Address of the Creditor. Creditor Party to which an amount of money is due. Cdtr PartyIdentification32 AT-04 Account number (IBAN) of the Creditor. Creditor Account Unambiguous identification of the account of the creditor to which a credit entry will be posted as a result of the payment transaction. CdtrAcct CashAccount16 AT-38 Name of the Credit Reference Party. AT-39 Identification code of the Credit Reference Party. Ultimate Creditor Ultimate party to which an amount of money is due. UltmtCdtr PartyIdentification32 SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 54

56 2.2.2 Specifications The reasons for the reversal presented in the Rulebook are mapped to the ISO codes in the table below. Other ISO codes may be used when the Creditor has requested the reversal. ISO Code SEPA Reason as specified in the Rulebook AM05 Duplication Duplicate entry MS02 NotSpecifiedReasonCustomerGenerated Reason not specified 2.3 Bank to Customer Direct Debit Reject Dataset (Based on DS-05) Use of the Payment Status Report (pain ) The code RJCT must be used in Group Status or Transaction Status, to transport the Direct Debit Reject instruction between the bank and its remitting customer. The message caters for bulk and single reject instructions. Note: Attribute AT-R1 in DS-05 is implied by the Message Name, pain , the Original Message Name Identification, pain and the Status set to RJCT. Note: AT-R4 is not applicable to reject instructions. Note: Message elements under Original Transaction Reference sequences are based on DS- 03 attributes. SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved November 2014 Page 55

57 Document Document Document 1..1 Customer Payment Status Report V03 Customer Payment Status Report V03 The CustomerPaymentStatusReport message is sent by an instructed agent to the payment initiator. It is used to inform this party about the positive or negative status of an instruction (either single, group or file). It is also used to report on a pending instruction. CstmrPmtStsRpt CustomerPaymentStatusReportV Customer Payment Status Report V03 Group Header Set of characteristics shared by all individual transactions included in the status report message. GrpHdr GroupHeader Customer Payment Status Report V03 SEPA Rulebook AT-R5 Specific reference of the bank initiating the R-message. ++Message Identification Message Identification Point to point reference, as assigned by the instructing party, and sent to the next party in the chain to unambiguously identify the message. Usage: The instructing party has to make sure that 'MessageIdentification' is unique per instructed party for a pre-agreed period. MsgId Customer Payment Status Report V03 Creation Date Time Date and time at which the message was created. ++Creation Date Time CreDtTm ISODateTime Customer Payment Status Report V03 Initiating Party Party that initiates the status message. ++Initiating Party InitgPty PartyIdentification Customer Payment Status Report V03 Forwarding Agent ++Forwarding Agent Financial institution that receives the instruction from the initiating party and forwards it to the next agent in the payment chain. FwdgAgt Customer Payment Status Report V03 ++Debtor Agent Customer Payment Status Report V03 ++Creditor Agent SEPA Rulebook BranchAndFinancialInstitutionIdentification4 Debtor Agent Financial institution servicing an account for the debtor. DbtrAgt BranchAndFinancialInstitutionIdentification4 AT-12 BIC code of the Creditor Bank. Creditor Agent Financial institution servicing an account for the creditor. CdtrAgt BranchAndFinancialInstitutionIdentification4 SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 56

58 Customer Payment Status Report V03 +Original Group Information And Status Customer Payment Status Report V03 +Original Group Information And Status ++Original Message Identification Customer Payment Status Report V03 +Original Group Information And Status ++Original Message Name Identification Customer Payment Status Report V03 +Original Group Information And Status ++Original Creation Date Time Customer Payment Status Report V03 +Original Group Information And Status ++Original Number Of Transactions Customer Payment Status Report V03 +Original Group Information And Status ++Original Control Sum Customer Payment Status Report V03 +Original Group Information And Status ++Group Status Original Group Information And Status Original group information concerning the group of transactions, to which the status report message refers to. OrgnlGrpInfAndSts OriginalGroupInformation20 Original Message Identification Point to point reference, as assigned by the original instructing party, to unambiguously identify the original message. OrgnlMsgId Original Message Name Identification Specifies the original message name identifier to which the message refers. OrgnlMsgNmId Original Creation Date Time Date and time at which the original message was created. OrgnlCreDtTm ISODateTime Original Number Of Transactions Number of individual transactions contained in the original message. OrgnlNbOfTxs Max15NumericText Pattern [0-9]{1,15} Original Control Sum Total of all individual amounts included in the original message, irrespective of currencies. OrgnlCtrlSum DecimalNumber SEPA FractDigits 17 TotalDigits 18 SEPA Rulebook AT-R1 of R-message. SEPA Usage Rule(s) Either Group Status, Payment Information Status or Transaction Status must be present with the code RJCT. Group Status Specifies the status of a group of transactions. GrpSts TransactionGroupStatus3Code SEPA Code Restrictions RJCT Rejected Payment initiation or individual transaction included in the payment initiation has been rejected. SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 57

59 n Customer Payment Status Report V03 +Original Group Information And Status ++Status Reason Information Customer Payment Status Report V03 +Original Group Information And Status ++Status Reason Information +++Originator Customer Payment Status Report V03 +Original Group Information And Status ++Status Reason Information +++Reason SEPA Usage Rule(s) Status Reason Information must be present in Original Group Information And Status, Original Payment Information and Status or in Transaction Information and Status. Status Reason Information Set of elements used to provide detailed information on the status reason. StsRsnInf SEPA Rulebook StatusReasonInformation8 AT-R2 Identification of the type of party that initiated the reject. SEPA Usage Rule(s) Mandatory Limited to BIC to identify the bank or CSM originating the status or Name to indicate a CSM when it has no BIC. Name is limited to 70 characters in length. SEPA Rulebook Originator Party that issues the status. Orgtr PartyIdentification32 AT-R3 Reason code for non-acceptance of the Collection. SEPA Usage Rule(s) Mandatory Reason Specifies the reason for the status report. Rsn StatusReason6Choice 1..1 xs:choice Customer Payment Status Report V03 SEPA Rulebook See Specifications below. +Original Group Information And Status Code ++Status Reason Information +++Reason Reason for the status, as published in an external reason code list. ++++Code Cd ExternalStatusReason1Code ISO Length SEPA Length Customer Payment Status Report V03 Proprietary +Original Group Information And Status Reason for the status, in a proprietary form. ++Status Reason Information Prtry +++Reason ++++Proprietary n Customer Payment Status Report V03 Additional Information +Original Group Information And Status ++Status Reason Information +++Additional Information Further details on the status reason n Customer Payment Status Report V03 +Original Group Information And Status ++Number Of Transactions Per Status Usage: Additional information can be used for several purposes such as the reporting of repaired information. AddtlInf Max105Text ISO Length SEPA Length Number Of Transactions Per Status Detailed information on the number of transactions for each identical transaction status. NbOfTxsPerSts NumberOfTransactionsPerStatus3 SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 58

60 n Customer Payment Status Report V03 Status Customer Payment Status Report V03 Status ++Original Payment Information Identification Customer Payment Status Report V03 Status ++Original Number Of Transactions Customer Payment Status Report V03 Status ++Original Control Sum Customer Payment Status Report V03 Status + Status n Customer Payment Status Report V03 Status ++Status Reason Information Original Payment Information And Status Information concerning the original payment information, to which the status report message refers. OrgnlPmtInfAndSts OriginalPaymentInformation1 Original Payment Information Identification Unique identification, as assigned by the original sending party, to unambiguously identify the original payment information group. OrgnlPmtInfId Original Number Of Transactions Number of individual transactions contained in the original payment information group. OrgnlNbOfTxs Max15NumericText Pattern [0-9]{1,15} Original Control Sum Total of all individual amounts included in the original payment information group, irrespective of currencies. OrgnlCtrlSum DecimalNumber SEPA FractDigits 17 TotalDigits 18 SEPA Rulebook AT-R1 of R-message. SEPA Usage Rule(s) Either Group Status, Payment Information Status or Transaction Status must be present with the code RJCT. Payment Information Status Specifies the status of the payment information group. PmtInfSts TransactionGroupStatus3Code SEPA Code Restrictions RJCT Rejected Payment initiation or individual transaction included in the payment initiation has been rejected. SEPA Usage Rule(s) Status Reason Information must be present in Original Group Information and Status, Original Payment Information and Status or Transaction Information and Status. Status Reason Information Set of elements used to provide detailed information on the status reason. StsRsnInf StatusReasonInformation8 SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 59

61 Customer Payment Status Report V03 Status ++Status Reason Information +++Originator Customer Payment Status Report V03 Status ++Status Reason Information +++Reason SEPA Rulebook AT-R2 Identification of the type of party that initiated the reject. SEPA Usage Rule(s) Mandatory Limited to BIC to identify the bank or CSM originating the status or Name to indicate a CSM when it has no BIC. Name is limited to 70 characters in length. Originator Party that issues the status. Orgtr PartyIdentification32 SEPA Rulebook AT-R3 Reason code for non-acceptance of the Collection. SEPA Usage Rule(s) Mandatory Reason Specifies the reason for the status report. Rsn StatusReason6Choice 1..1 xs:choice Customer Payment Status Report V03 SEPA Rulebook See Specifications below. Status Code ++Status Reason Information +++Reason Reason for the status, as published in an external reason code list. ++++Code Cd ExternalStatusReason1Code ISO Length SEPA Length Customer Payment Status Report V03 Proprietary Status Reason for the status, in a proprietary form. ++Status Reason Information Prtry +++Reason ++++Proprietary n Customer Payment Status Report V03 Additional Information Status ++Status Reason Information +++Additional Information Further details on the status reason. Usage: Additional information can be used for several purposes such as the reporting of repaired information. AddtlInf Max105Text ISO Length n Customer Payment Status Report V03 Status ++Number Of Transactions Per Status n Customer Payment Status Report V03 Status ++Transaction Information And Status SEPA Length Number Of Transactions Per Status Detailed information on the number of transactions for each identical transaction status. NbOfTxsPerSts NumberOfTransactionsPerStatus3 Transaction Information And Status Set of elements used to provide information on the original transactions to which the status report message refers. TxInfAndSts PaymentTransactionInformation25 SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 60

62 Customer Payment Status Report V03 Status ++Transaction Information And Status +++Status Identification Customer Payment Status Report V03 Status ++Transaction Information And Status +++Original Instruction Identification Customer Payment Status Report V03 Status ++Transaction Information And Status +++Original End To End Identification Customer Payment Status Report V03 Status ++Transaction Information And Status +++Transaction Status n Customer Payment Status Report V03 Status ++Transaction Information And Status +++Status Reason Information SEPA Rulebook AT-R5 Specific reference of the bank that initiated the reject. Status Identification Unique identification, as assigned by an instructing party for an instructed party, to unambiguously identify the reported status. Usage: The instructing party is the party sending the status message and not the party that sent the original instruction that is being reported on. StsId Original Instruction Identification Unique identification, as assigned by the original instructing party for the original instructed party, to unambiguously identify the original instruction. OrgnlInstrId SEPA Rulebook AT-10 Creditor s reference of the Direct Debit Transaction. Original End To End Identification Unique identification, as assigned by the original initiating party, to unambiguously identify the original transaction. OrgnlEndToEndId SEPA Rulebook AT-R1 of R-message. SEPA Usage Rule(s) Group Status, Payment Information Status or Transaction Status must be present with the code RJCT. Transaction Status Specifies the status of a transaction, in a coded form. TxSts TransactionIndividualStatus3Code SEPA Code Restrictions RJCT Rejected Payment initiation or individual transaction included in the payment initiation has been rejected. SEPA Usage Rule(s) Status Reason Information must be present in Original Group Information and Status, Original Payment Information and Status or in Transaction Information and Status. Status Reason Information Set of elements used to provide detailed information on the status reason. StsRsnInf StatusReasonInformation8 SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 61

63 Customer Payment Status Report V03 Status ++Transaction Information And Status +++Status Reason Information ++++Originator Customer Payment Status Report V03 Status ++Transaction Information And Status +++Status Reason Information ++++Reason SEPA Rulebook AT-R2 Identification of the type of party that initiated the reject. SEPA Usage Rule(s) Mandatory Limited to BIC to identify the bank or CSM originating the status or Name to indicate a CSM when it has no BIC. Name is limited to 70 characters in length. Originator Party that issues the status. Orgtr PartyIdentification32 SEPA Rulebook AT-R3 Reason code for non-acceptance. SEPA Usage Rule(s) Mandatory Reason Specifies the reason for the status report. Rsn StatusReason6Choice 1..1 xs:choice Customer Payment Status Report V03 SEPA Rulebook See Specifications below. Status Code ++Transaction Information And Status +++Status Reason Information Reason for the status, as published in an external reason code list. ++++Reason Cd +++++Code ExternalStatusReason1Code ISO Length SEPA Length Customer Payment Status Report V03 Proprietary Status Reason for the status, in a proprietary form. ++Transaction Information And Status Prtry +++Status Reason Information ++++Reason +++++Proprietary n Customer Payment Status Report V03 Additional Information Status ++Transaction Information And Status +++Status Reason Information ++++Additional Information Further details on the status reason. Usage: Additional information can be used for several purposes such as the reporting of repaired information. AddtlInf Max105Text ISO Length n Customer Payment Status Report V03 Status ++Transaction Information And Status +++Charges Information Customer Payment Status Report V03 Status ++Transaction Information And Status +++Acceptance Date Time SEPA Length Charges Information Provides information on the charges related to the processing of the rejection of the instruction. Usage: This is passed on for information purposes only. Settlement of the charges will be done separately. ChrgsInf ChargesInformation5 Acceptance Date Time Point in time when the payment order from the initiating party meets the processing conditions of the account servicing agent. This means that the account servicing agent has received the payment order and has applied checks such as authorisation, availability of funds. AccptncDtTm ISODateTime SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 62

64 Customer Payment Status Report V03 Status ++Transaction Information And Status +++Account Servicer Reference Customer Payment Status Report V03 Status ++Transaction Information And Status +++Clearing System Reference Customer Payment Status Report V03 Status ++Transaction Information And Status Customer Payment Status Report V03 Status ++Transaction Information And Status ++++Interbank Settlement Amount Customer Payment Status Report V03 Status ++Transaction Information And Status ++++Amount Customer Payment Status Report V03 Status ++Transaction Information And Status ++++Interbank Settlement Date Customer Payment Status Report V03 Status ++Transaction Information And Status ++++Requested Collection Date Account Servicer Reference Unique reference, as assigned by the account servicing institution, to unambiguously identify the instruction. AcctSvcrRef Clearing System Reference Unique reference, as assigned by a clearing system, to unambiguously identify the instruction. ClrSysRef SEPA Rulebook An exact copy of all attributes of the received DS-03 which is being rejected. SEPA Usage Rule(s) Mandatory The message elements under Original Transaction Reference must be populated with the same value as the message elements of the original instruction, as defined within the following elements. SEPA FractDigits 5 TotalDigits 18 SEPA Inclusive 0.. SEPA Rulebook SEPA Rulebook Original Transaction Reference Set of key elements used to identify the original transaction that is being referred to. OrgnlTxRef OriginalTransactionReference13 Interbank Settlement Amount Amount of money moved between the instructing agent and the instructed agent. IntrBkSttlmAmt ActiveOrHistoricCurrencyAndAmount AT-06 Amount of the Collection in euro. Amount Amount of money to be moved between the debtor and creditor, before deduction of charges, expressed in the currency as ordered by the initiating party. Amt Amount3Choice Interbank Settlement Date Date on which the amount of money ceases to be available to the agent that owes it and when the amount of money becomes available to the agent to which it is due. IntrBkSttlmDt ISODate AT-11 Due date of the Collection. Requested Collection Date Date and time at which the creditor requests that the amount of money is to be collected from the debtor. ReqdColltnDt ISODate SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 63

65 Customer Payment Status Report V03 Status ++Transaction Information And Status ++++Requested Execution Date Customer Payment Status Report V03 Status ++Transaction Information And Status ++++Creditor Scheme Identification Customer Payment Status Report V03 Status ++Transaction Information And Status ++++Settlement Information Customer Payment Status Report V03 Status ++Transaction Information And Status ++++Payment Information Customer Payment Status Report V03 Status ++Transaction Information And Status ++++Payment Method Customer Payment Status Report V03 Status ++Transaction Information And Status ++++Mandate Related Information Customer Payment Status Report V03 Status ++Transaction Information And Status ++++Remittance Information SEPA Rulebook SEPA Rulebook SEPA Rulebook SEPA Rulebook Requested Execution Date Date at which the initiating party requests the clearing agent to process the payment. Usage: This is the date on which the debtor's account is to be debited. If payment by cheque, the date when the cheque must be generated by the bank. ReqdExctnDt ISODate AT-02 Identifier of the Creditor. Creditor Scheme Identification Credit party that signs the mandate. CdtrSchmeId PartyIdentification32 Settlement Information Specifies the details on how the settlement of the original transaction(s) between the instructing agent and the instructed agent was completed. SttlmInf SettlementInformation13 AT-20 Identification code of the Scheme. AT-21 Transaction / Sequence. AT-59 Category purpose of the Collection. Payment Information Set of elements used to further specify the type of transaction. PmtTpInf PaymentInformation22 Payment Method Specifies the means of payment that will be used to move the amount of money. PmtMtd PaymentMethod4Code AT-01 Unique Mandate reference. AT-16 Placeholder for the electronic signature data, if applicable. AT-17 of Mandate (paper or electronic). AT-18 Identifier of the original Creditor who issued the Mandate. AT-19 Unique Mandate reference as given by the original Creditor who issued the Mandate. AT-24 Reason for Amendment of the Mandate. AT-25 Signing date of the Mandate. AT-60 Reference of the validation made by the Debtor Bank (if present in DS-03). Mandate Related Information Set of elements used to provide further details of the mandate signed between the creditor and the debtor. MndtRltdInf MandateRelatedInformation6 AT-22 Remittance information. Remittance Information Information supplied to enable the matching of an entry with the items that the transfer is intended to settle, such as commercial invoices in an accounts' receivable system. RmtInf RemittanceInformation5 SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 64

66 Customer Payment Status Report V03 Status ++Transaction Information And Status ++++Ultimate Debtor Customer Payment Status Report V03 Status ++Transaction Information And Status ++++Debtor Customer Payment Status Report V03 Status ++Transaction Information And Status ++++Debtor Account Customer Payment Status Report V03 Status ++Transaction Information And Status ++++Debtor Agent Customer Payment Status Report V03 Status ++Transaction Information And Status ++++Debtor Agent Account Customer Payment Status Report V03 Status ++Transaction Information And Status ++++Creditor Agent Customer Payment Status Report V03 Status ++Transaction Information And Status ++++Creditor Agent Account Customer Payment Status Report V03 Status ++Transaction Information And Status ++++Creditor SEPA Rulebook SEPA Rulebook SEPA Rulebook SEPA Rulebook SEPA Rulebook SEPA Rulebook AT-15 Name of the Debtor Reference Party. AT-37 Identification code of the Debtor Reference Party. Ultimate Debtor Ultimate party that owes an amount of money to the (ultimate) creditor. UltmtDbtr PartyIdentification32 AT-14 Name of the Debtor. AT-09 Address of the Debtor. AT-27 Debtor identification code. Debtor Party that owes an amount of money to the (ultimate) creditor. Dbtr PartyIdentification32 AT-07 Account number (IBAN) of the Debtor. Debtor Account Unambiguous identification of the account of the debtor to which a debit entry will be made as a result of the transaction. DbtrAcct CashAccount16 AT-13 BIC of the Debtor Bank (if present in DS- 03). Debtor Agent Financial institution servicing an account for the debtor. DbtrAgt BranchAndFinancialInstitutionIdentification4 Debtor Agent Account Unambiguous identification of the account of the debtor agent at its servicing agent in the payment chain. DbtrAgtAcct CashAccount16 AT-12 BIC of the Creditor Bank (if present in DS-03). Creditor Agent Financial institution servicing an account for the creditor. CdtrAgt BranchAndFinancialInstitutionIdentification4 Creditor Agent Account Unambiguous identification of the account of the creditor agent at its servicing agent to which a credit entry will be made as a result of the payment transaction. CdtrAgtAcct CashAccount16 AT-03 Name of the Creditor. AT-05 Address of the Creditor. Creditor Party to which an amount of money is due. Cdtr PartyIdentification32 SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 65

67 Customer Payment Status Report V03 Status ++Transaction Information And Status ++++Creditor Account Customer Payment Status Report V03 Status ++Transaction Information And Status ++++Ultimate Creditor SEPA Rulebook SEPA Rulebook AT-04 Account number (IBAN) of the Creditor. Creditor Account Unambiguous identification of the account of the creditor to which a credit entry will be posted as a result of the payment transaction. CdtrAcct CashAccount16 AT-38 Name of the Creditor Reference Party. AT-39 Identification code of the Creditor Reference Party. Ultimate Creditor Ultimate party to which an amount of money is due. UltmtCdtr PartyIdentification32 SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved - November 2014 Page 66

68 2.3.2 Specifications The reasons for a reject by the Creditor Bank, the Debtor Bank or the CSM as present in the Rulebook are mapped to the ISO codes in the table below. Other ISO codes may be used when the Creditor Bank has rejected the message. ISO Code SEPA Reason as specified in the Rulebook AC01 IncorrectAccountNumber Account identifier incorrect (i.e. invalid IBAN) AC04 ClosedAccountNumber Account closed AC06 BlockedAccount Account blocked Account blocked for Direct Debit by the Debtor AG01 TransactionForbidden Direct debit forbidden on this account for regulatory reasons AG02 InvalidBankOperationCode Operation code/transaction code/sequence type incorrect, invalid file format AM04 InsufficientFunds Insufficient funds AM05 Duplication Duplicate collection Usage Rule: To be used to indicate an incorrect operation code /transation code /sequence type. BE01 InconsistentWithEndCustomer Debtor s name does not match with the account holder's name. BE05 UnrecognisedInitiatingParty Identifier of the Creditor incorrect. FF01 InvalidFileFormat Operation/transaction code incorrect, invalid file format Usage Rule: To be used to indicate an invalid file format FF05 InvalidLocalInstrumentCode Direct Debit type incorrect (to be used only in relation with short time cycle direct debits) MD01 NoMandate No Mandate MD02 MissingMandatoryInfomationInMandate Mandate data missing or incorrect MD07 EndCustomerDeceased Debtor deceased MS02 NotSpecifiedReasonCustomerGenerated Refusal by the Debtor MS03 NotSpecifiedReasonAgentGenerated Reason not specified RC01 BankIdentifierIncorrect Bank identifier incorrect (i.e. invalid BIC) RR01 MissingDebtorAccountOrIdentification Regulatory Reason RR02 MissingDebtorNameOrAddress Regulatory Reason RR03 MissingCreditorNameOrAddress Regulatory Reason RR04 RegulatoryReason Regulatory Reason SL01 DueToSpecificServiceOfferedByDebtor Specific Service offered by the Debtor Bank. SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved November 2014 Page 67

69 ISO Code SEPA Reason as specified in the Rulebook Agent DNOR Debtor bank is not registered Debtor bank is not registered under this BIC in the CSM CNOR Creditor bank is not registered Creditor bank is not registered under this BIC in the CSM SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved November 2014 Page 68

70 List of changes in the Core Direct Debit C2B Implementation Guidelines - Relative to v7.0 (This list is for information the changes included in the body of the document are the changes in effect) SYMBOLS USED 1. Column one contains the identification number of the Change 2. Column two contains the reference(s) to the relevant Index Number 3. Column three contains the reference(s) to the relevant section or message element (including full path) 4. Column four contains a description of the change 5. Column five contains a status code: REJ: Rejected by the SPS WG PEN: Issue pending in the SPS WG ACC: Accepted in Guidelines 6. Column six contains the type of change: TYPO: Typing and layout errors CLAR: Clarification of the text CHAN: Change or further alignment with Rulebook content N # Section / Description Status 14/01 N/A 0.1 References Reference added: EPC SEPA Requirements for an Extended Character Set. 14/02 N/A 1.3 Notation Conventions This section was completely updated in view of the new layout of the message descriptions. 14/03 N/A 1.4 Character Set Guidelines added for references, identifications and identifiers. These were copied from EPC SEPA Requirements for an Extended Character Set. ACC ACC ACC CLAR CLAR CLAR 14/04 N/A Optional Shorter Time Cycle (D-1) Pre-notice added that changes with regard to D-1 and sequence type FRST will take effect in November 2016 (Rulebook 9.0). ACC CLAR 14/ Customer Direct Debit Initiation V02 ++Control Sum Added Format Rule : The fractional part has a maximum of two digits ACC CLAR 14/ Customer Direct Debit Initiation V02 ++Control Sum Added Format Rule: The fractional part has a maximum of two digits ACC CLAR SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved November 2014 Page 69

71 N # Section / Description Status 14/ Customer Direct Debit Initiation V02 ++Payment Information +++Local Instrument ++++Code 14/ Customer Direct Debit Initiation V02 ++Payment Information +++Sequence 14/ Customer Direct Debit Initiation V02 ++Creditor Agent +++Financial Institution Identification ++++BIC 14/ Customer Direct Debit Initiation V02 ++Direct Debit Transaction Information ++++Mandate Related Information +++++Amendment Information Details 14/ Customer Direct Debit Initiation V02 ++Direct Debit Transaction Information ++++Mandate Related Information +++++Amendment Information Details Original Debtor Agent 14/ Customer Direct Debit Initiation V02 ++Direct Debit Transaction Information +++Debtor Agent ++++Financial Institution Identification +++++BIC Pre-notice added that D-1 will be the standard timeline as of November 2016 (Rulebook 9.0). ACC CLAR Pre-notice added that the sequence type FRST in a first of recurrent collections is no longer mandatory as of November 2016 (Rulebook 9.0). ACC CLAR Bold text added: The BIC is mandatory for EU/EEA cross-border transactions until 31 January 2016 and it will continue to be mandatory for non-eu/non-eea cross-border SEPA transactions ACC CLAR Updated text (in bold): The reason from the Rulebook is indicated by using one of the following message sub-elements. ACC CHAN Pre-notice added that the sequence type FRST in a first of recurrent collections is no longer mandatory as of November 2016 (Rulebook 9.0). Until then, the code SMNDA must still be used with sequence type FRST. ACC CLAR Bold text added: The BIC is mandatory for EU/EEA cross-border transactions until 31 January 2016 and it will continue to be mandatory for non-eu/non-eea cross-border SEPA transactions ACC CLAR SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved November 2014 Page 70

72 N # Section / Description Status 14/ , Customer Direct Debit Initiation V02 ++Direct Debit Transaction Information +++Remittance Information Update (bold text): Format Usage Rule: Only one occurrence of Structured is allowed ACC TYPO ++++Unstructured Customer Direct Debit Initiation V02 ++Direct Debit Transaction Information +++Remittance Information ++++Structured 14/ Customer Payment V02 ++Initiating Party +++Identification ++++Private Identification 14/15 2.7, Customer Payment Status Report 3.5, V Original Group Information And Status ++Status Reason Information 14/16 2.8, Customer Payment Status Report 3.6, V Original Group Information And Status ++Status Reason Information +++Originator 14/17 2.9, Customer Payment Status Report 3.7, V Original Group Information And Status ++Status Reason Information +++Reason 14/ Customer Payment Status Report V03 Status ++Transaction Information And Status +++Transaction Status 14/ Customer Payment Status Report V03 Status ++Transaction Information And Status ++++Payment Method Deleted Usage Rule: Either BIC or BEI or one occurrence of Other is allowed Added Usage Rule: Either Date and Place of Birth or one occurrence of Other is allowed. Updated Usage Rule (bold text): Status Reason Information may must be present in Original Group Information And Status, Original Payment Information and Status or in Transaction Information and Status ACC ACC TYPO CHAN Added: Mandatory ACC CHAN Added: Mandatory ACC CHAN Added Attribute: AT-R1 of R-message. (Note: This was an erratum to the 2014 IGs.) ACC CLAR Element shaded yellow. ACC CHAN SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved November 2014 Page 71

73 N # Section / Description Status 14/20 N/A Specifications ISO code AG02 Invalid Bank Operation Code The current SEPA reason code description updated as follows (bold text): ACC CLAR Operation code/transaction code/sequence type incorrect, invalid file format. Usage Rule: To be used to indicate an incorrect operation code / transaction code / sequence type (Note: This was an erratum to the 2014 IGs.) 14/21 N/A Specifications Added reject code BE05 "Identifier of the Creditor incorrect" Added reject code FF05 "Direct Debit type incorrect (to be used only in relation with short time cycle direct debits) ACC CHAN SEPA Core Direct Debit C2B Implementation Guidelines Version 8.0 Approved November 2014 Page 72