Access Online Payment Upload Formats. June 2012

Transcription

1 Access Online Payment Upload Formats June 2012

2 If you have questions and/or remarks regarding this document, please contact the following department: ABN AMRO Bank N.V. COO C&MB / E-Channels / Global Cash Channels Postbus EA Amsterdam PAC HQ Globalchannels@nl.abnamro.com ABN AMRO Bank N.V All rights reserved. Apart from those exceptions stipulated in or by virtue of the 1912 Copyright Law, no part of this publication may be reproduced and/or made public through print, photocopy, microfilm, or in any other manner whatsoever, nor may it be stored in a data retrieval system without express written permission from ABN AMRO Bank N.V. Even though the information in this document has been meticulously compiled, we accept no liability for any errors or inaccuracies it may contain. We maintain the right to modify the (technical) data regarding the products discussed at any time without further notification. Should you use the information contained in this document for the benefit of third parties, you indemnify us against any claims by these third parties. 2

3 Contents 1. Introduction Target group Access Online Document Structure 8 2. Validation Introduction Validation rules Validation result 11 Pain XML formats SEPA region Pain formats Introduction Assumptions & Principles File Structure SEPA Credit Transfer (SCT) Introduction SEPA Credit Transfer SEPA Direct Debit (SDD) Introduction SEPA Direct Debit SEPA Validation rules 38 ClieOp03 The Netherlands ClieOp Introduction Assumptions & Principles Records File header record Batch header record 45

4 7.6 Fixed description record Customer record Transaction record Debtor name record Debtor address record Payment reference number record Description record Creditor name record Creditor address record Batch trailer record File trailer record Validation rules 49 BTL91 The Netherlands BTL Introduction Assumptions & Principles File Structure Header record Payment record part Payment record part Payment record part Payment record part Total record Trailer record Validation rules Payments Complete 59 CIRI Belgium CIRI Introduction Assumptions & Principles CIRI FBF Domestic Payment Orders Introduction Scope File format 64 4

5 10.4 Header record Data record Data record Trailer record Validation rules CIRI VME Foreign Payment Orders Introduction Scope File format Header record Data record 1, sub-division Data record 1, sub-division Data record 1, sub-division Data record 1, sub-division Data record 1, sub-division Data record 1, sub-division Data record 1, sub-division Data record 1, sub-division Data record 1, sub-division Data record 1, sub-division Data record 1, sub-division 11 through Trailer record Validation rules 79 DTAus/zv Germany DTAus Introduction Assumptions & Principles File Structure Error messages DTAus Payments Introduction Header record Data record C, Fixed Part Data record C, Variable Part Trailer record E 91 5

6 13.6 Validation rules DTAzv Foreign Payment Orders Introduction Scope File format Header record Data record T Trailer record Validation rules 100 CFONB France CONFB Introduction Assumptions & Principles File Structure CFONB Transfer Introduction Header record Transaction record Transaction record Total record Central Bank Reporting CFONB Direct debit Introduction Header record Transaction record Transaction record Total record CFONB Validation rules 113 Appendices Character Sets 116 6

7 20. ISO Codes ISO Country Code ISO Currency Code Economic activity code (CFONB) 119 7

8 1. Introduction This document describes the various payment file upload formats used by Access Online. 1.1 Target group This information is intended for the IT departments in companies that use electronic files or for their software suppliers. This document can serve as a reference when developing and maintaining automated funds flow processing between your company and the bank. 1.2 Access Online Access Online is ABN AMRO s Internet Banking platform, which has been developed specifically to optimise the management of your working capital. Via Access Online you have access to your bank accounts any time and any place. With Access Online, you can conduct Internet banking worldwide. You also have insight into all national and international payment streams within your company. 1.3 Document Structure This document describes the formats available in Access Online. The agreement between the client and ABN AMRO determines whether or not these formats are visible and can be used. The general standard is described for each format, along with information that specifically applies to Access Online Version History Version Date Author Role Remark 1.0 June 2012 COO Global Cash Channels Channel manager Initial version Layout used Examples showing file contents are display using the Courier font Icon used Remark Paragraphs with this icon contain extra information regarding the subject in question. 8

9 1.3.4 Table Legend Column Value Description Explanation Field Fld Code/ Number Contains a (sequence) number of a specific format-dependent code that supports mutual references Status M Mandatory Item must be used O Optional Item may be used C Conditional Item may and/or must be used depending on the presence or value of other items Type N Numeric Figures, 0-9 A Amount This type is used for amounts. There must be at least one position before the decimal. The decimal indicator. is mandatory and counts as part of the total length. A Alphabetic Letters, A-Z (capital letters) X Alphanumeric Combination of figures, capital letters and characters from a specific set. See Appendix 19 Character Sets. number Fixed number Item contains exactly x positions (underscored) Length Number Variable number Item may contain a maximum of x positions. If this applies to a mandatory item, at least 1 number must appear. Number Count indicating how frequently an item, record, tag or field may occur Repeat 0 None Error No Validation rule is defined for the item or The validation rule for this item is positive; OK Validation result L99 Logical Error Logical validation rule for the item is negative; this must be corrected in Access Online. VR T99 Total Error Technical validation rule for the item is negative; file is completely or partially rejected. 9

10 2. Validation 2.1 Introduction Files that are read into Access Online must comply with specific format specifications. Validation involves checking whether these files actually comply with these format specifications. Validation rules are drawn up in order to check this. These rules must ensure that the information is correct and are only subject to one interpretation. This makes it possible for the bank to process the files automatically; no manual processing is required. 2.2 Validation rules During the validation process, the validation rules that have been stipulated for a particular format are tested. These rules can apply to various levels and components, for example: File(s): structure for this format type; Batch(es); Record(s): use of the correct types and sequence; (Sub)-field(s), contents and mutual (conditional) dependencies; Control counts in total record(s) and/or trailer record; Symbol(s)/characters and the use of the correct data types; Technical validation These rules (syntax) involve (among other things) the file structure, the record sequence and the field data types Logical validation During logical validation (semantics) checks are performed to ensure that the file complies with the following rules: A field contains the right value; A conditional field is filled correctly. In this phase, orders are also automatically enriched and/or corrected. A notification regarding this is created. For example in the event of: empty code fields that are assigned the standard value; replacement of characters that are not part of the character set. After being loaded, the status of the file changes to Checked. Then the user can zoom in on individual orders in the file, view any messages and make whatever changes may be necessary to correct the order. Depending on the format type, information for optimising the order processing process is also reported during the validation process. Feedback regarding logical errors and other messages appear in the language the user has stipulated as his/her preferred language. 10

11 2.3 Validation result The extent to which the validation rules have been satisfied determines the ultimate result of the validation process. If errors are detected, the following situations can arise depending on the nature of the errors: The file is partially approved The content of the file is displayed in Access Online, indicating the orders that must be manually corrected before processing can continue. The file is rejected A message is displayed specifying the errors found, indicating the specific location and/or line number of the error(s) in the file, if possible. Generally, the recommendation is to correct the original file and to submit it again. Examples of a generic message: An error has been encountered while processing your file. A mandatory record <Record name> or Field <Field name> is missing. Please make the necessary change(s) and upload the file again. We have registered this error under ID: <%fileid%>. An error has been encountered in record number <%recordnumber%> while processing your file. The expected value of the field <%record Identification%> is "0", but the value received in the file is <%actualvalue%>. Please make the necessary change (s) and upload the file again. We have registered this error under ID: <%fileid%>. Remark These technical messages are always in English. An error ID in the message consists of an 8-digit number. 11

12 Pain XML formats SEPA region 12

13 3. Pain formats 3.1 Introduction The Pain format is the European file format for customer delivery of SEPA payments to the bank, the socalled PAyment INitiation domain, within the Single Euro Payments Area consisting of 32 countries in Europe (at the end of 2011). The Pain format was developed by ISO (International Standards Organization). The EPC, the European Payment Council, a partnership agreement among the European banks, is responsible for the development and maintenance of the SEPA standards External Documentation & Information Author Title / Source Date EPC Customer Credit Transfer Initiation (pain ) November 2010 ( NVB XML message for SEPA Credit Transfer Initiation February 2011 ( EPC Customer Direct Debit Initiation (pain ) November 2010 ( NVB XML message for SEPA Direct Debit Initiation February 2011 ( ISO Catalogue or ISO messages ( ISO External Purpose Code List ( 1_v2.xls) Remark The documentation mentioned only relates to the ABN AMRO Access Online application in which these formats are supported. 3.2 Assumptions & Principles Standard upload profile In Access Online, the upload profile for the SEPA Transfers (Credit Transfer) and SEPA Collections (Direct Debit) XML format can further specify how the upload file must be processed. The description of the Pain format in this chapter is based on an upload profile with standard settings. If non-standard settings are used in the upload profile, this can affect the validation/control and the messages described in this chapter Number of Orders For delivery and processing via Access Online, the maximum number of orders per file is set at 10,

14 3.2.3 Batch Orders The file submitted for loading contains one or more batches with SEPA payment orders. By default, Access Online handles the files submitted as batch orders. The only exception is SEPA Credit Transfers, for which the user can define that the batch file must be split into individual SEPA Credit transfers after the file has been read into Access Online. Batch Transfers The Account number of the commissioning/paying party the Debtor Account message element at the batch level - is used as the debit account number for all orders in the batch. A payment can be a normal payment or a salary payment. This is indicated in the Category Purpose message element at the batch level. Batch Direct debits The Account number of the commissioning/collecting party the Creditor Account message element at the batch level - is used as the credit account number for all orders in the batch. A Direct debit batch may only consist of direct debit mandates of the same type, indicated in the Sequence Type message element at the batch level. The possibilities are One-off, Recurrent First, Recurrent and Recurrent Last. 3.3 File Structure An XML - pain file with SEPA payments has the following root structure: <?xml version= 1.0 encoding= UTF-8?> <Document xmlns= urn:iso:std:iso:20022:tech:xsd:pain xmlns:xsi= > <CstmrCdtTrfInitn> File contents, see Chapter 4 SEPA Credit Transfer (SCT) </CstmrCdtTrfInitn> </Document> An XML - pain file with SEPA direct debits has the following root structure: <?xml version= 1.0 encoding= UTF-8?> <Document xmlns= urn:iso:std:iso:20022:tech:xsd:pain xmlns:xsi= > <CstmrDrctDbtInitn> File contents, see Chapter 5 SEPA Direct Debit (SDD) </CstmrDrctDbtInitn> </Document> Technical File The XML file must comply with the XSD definitions, published by ISO for the Pain format in question (see Catalogue of ISO messages). 14

15 3.3.2 Character set See chapter 19 Character Sets for an overview of the characters that can be used in the Pain file format Logical File Level Block Repeat File Group Header 1 Customer Payment Information 1-n Contra account Transaction Information 1 10,000 The XML file has the following structure: The file consists of 1 Group Header block. The Group Header block contains information regarding the file, such as totals, file identifier, etc. The Group Header block contains 1-n Payment Information blocks. A Payment Information block contains information related to the customer such as payment order type and Customer Account Number. For payments, the debtor is the principle; for direct debits, the creditor is the principle. A Payment Information block (batch) contains a maximum of 1-10,000 Transaction Information blocks with information regarding the contra accounts in the batch. For payments, this is the creditor, for direct debits, this is debtor. An XML file contains a maximum of 10,000 Transaction Information blocks (transactions). 15

16 4. SEPA Credit Transfer (SCT) 4.1 Introduction This chapter describes the pain format as used for offering batches with SEPA payment orders. 4.2 SEPA Credit Transfer The following table defines the ISO message elements and their use in a pain Use of colour in the Index column Message element is a mandatory part of the SEPA messages format Message element is defined in ISO 20022, but is not used within the SEPA messages format. The presence of such a message element is ignored provided this complies with ISO Index (ISO) Mult. (ISO) Message element SEPA (EPC) Condition / Remark VR [1..1] + Message Root 1.0 [1..1] + Group Header File data 1.1 [1..1] ++ Message Identification Is used to detect duplicate files; it must be unique within a period of the last 90 days. 1.2 [1..1] ++ Creation Date Time Moment at which the file was created. Must contain a valid date time designator. The date format is yyyymm-dd. The time format is hh:mm:ss. 1.3 [0..2] ++ Authorisation Is ignored 1.6 [1..1] ++ Number Of Transactions Total number of transactions for the batches in the file E [0..1] ++ Control Sum Total amount for the batches in the file E [1..1] ++ Initiating Party All message sub-elements are ignored in Access Online. The name is overwritten with the data specified in the bank s administration. 1.8 [0..1] +++ Name 1.8 [0..1] +++ Postal Address 1.8 [0..1] +++ Identification 1.8 [1..1] {Or ++++ Organisation Identification 1.8 [0..1] BIC or BEI [0..1] {Or 1.8 [0..n] Other [0..1] Or} 1.8 [1..1] Or} ++++ Private Identification 1.8 [0..1] Date and Place of Birth [0..1] {Or 1.8 [0..n] Other [0..1] Or} 1.8 [0..1] +++ Country of Residence 1.8 [0..1] +++ Contact Details 1.9 [0..1] ++ Forwarding Agent 16

17 Index (ISO) Mult. (ISO) Message element SEPA (EPC) 2.0 [1..n] + Payment Information 1-n batches in the file 2.1 [1..1] ++ Payment Information Identification Condition / Remark VR Contains the reference for the batch that is taken over on the customer s statement. Batch compression is standard unless stipulated otherwise in the output contract. 2.2 [1..1] ++ Payment Method Must contain the value TRF E [0..1] ++ Batch Booking 2.4 [0..1] ++ Number of Transactions 2.5 [0..1] ++ Control Sum 2.6 [0..1] ++ Payment Type Information Not used; is taken over from the output contract with true as the standard value. Total number of transactions in the batch; If this appears, it is ignored. Total batch amount; If this appears, it is ignored. 2.7 [0..1] +++ Instruction Priority If this appears, it is ignored. 2.8 [0..1] +++ Service Level 2.9 [1..1] {Or ++++ Code 2.10 [1..1] Or} ++++ Proprietary (AT-40 Scheme Identification Code) Must contain the value SEPA 2.11 [0..1] +++ Local Instrument If this appears, it is ignored [1..1] {Or ++++ Code 2.13 [1..1] Or} ++++ Proprietary 2.14 [0..1] +++ Category Purpose 2.15 [1..1] {Or ++++ Code (AT-45 Category purpose of the Credit Transfer) Indicates whether the batch contains salary payments. If this indicator does not appear, it is assumed that the file involves ordinary payments. If present, only the value SALA is permitted as a designation of salary payments [1..1] Or} ++++ Proprietary If this appears, it is ignored [1..1] ++ Requested Execution Date 2.18 [0..1] ++ Pooling Adjustment Date 2.19 [1..1] ++ Debtor 2.19 [0..1] +++ Name [1..1] Must be a target date. The date may not be more than 364 days in the future. A date in the past or an invalid target date is changed to reflect the first possible processing date. A nonexistent date is rejected. All message sub-elements are ignored in Access Online and are overwritten with the account holder data specified in the bank s administration. (AT-02 Originator s name) A maximum of 70 positions 2.19 [0..1] +++ Postal Address (AT-03 Originator s address) 2.19 [0..1] ++++ Address Type E061 E075 E151 E157 E071 17

18 Index (ISO) Mult. (ISO) Message element 2.19 [0..1] ++++ Department 2.19 [0..1] ++++ Sub-department 2.19 [0..1] ++++ Street name 2.19 [0..1] ++++ Building Number 2.19 [0..1] ++++ Post Code 2.19 [0..1] ++++ Town Name 2.19 [0..1] ++++ Country Sub-division 2.19 [0..1] ++++ Country 2.19 [0..7] ++++ Address Line [0..2] SEPA (EPC) Condition / Remark VR If filled, contains an Alpha-2 ISO 3166 country code in the SEPA region. A maximum of 2 lines with a maximum of 70 positions is supported [0..1] +++ Identification (AT-10 Originator Identification Code) 2.19 [1..1] {Or ++++ Organisation Identification If filled, Private ID may not appear [0..1] BIC or BEI [0..1] {Or If filled, Other may not occur [0..n] Other [0..1] Or} If filled, BIC or BEI may not occur [1..1] Identification 2.19 [0..1] Scheme name 2.19 [1..1] {Or Code A value other than BIC or BEI that identifies the Originator as an organisation [1..1] Or} Proprietary Description of the Other identification 2.19 [0..1] Issuer Description of the body that issues the Other identification [1..1] Or} ++++ Private Identification If filled, Organisation ID may not occur. E [0..1] Date and Place of Birth [0..1] {Or If filled, Other may not occur [1..1] Birth Date 2.19 [0..1] Province of Birth 2.19 [1..1] City of Birth 2.19 [1..1] Country of Birth 2.19 [0..n] Other [0..1] Or} 2.19 [1..1] Identification 2.19 [0..1] Scheme name 2.19 [1..1] {Or Code If filled, Date and Place of Birth may not occur. Identifier other than Date and Place of Birth that identifies the Originator as a private person [1..1] Or} Proprietary Description of the Other identification 2.19 [0..1] Issuer 2.19 [0..1] +++ Country of Residence 2.19 [0..1] +++ Contact Details Description of the body that issues the Other identification [1..1] ++ Debtor Account (AT-01 Originator s Account Number) 2.20 [1..1] +++ Identification Only IBAN is supported [1..1] {Or ++++ IBAN Must contain a valid IBAN E [1..1] Or} ++++ Other E084 18

19 Index (ISO) Mult. (ISO) Message element 2.20 [0..1] +++ Type 2.20 [0..1] +++ Currency 2.20 [0..1] +++ Name 2.21 [1..1] ++ Debtor Agent 2.21 [1..1] +++ Financial Institution Identification 2.21 [0..1] ++++ BIC 2.22 [0..1] ++ Debtor Agent Account 2.23 [0..1] ++ Ultimate Debtor 2.23 [0..1] +++ Name 2.23 [0..1] +++ Postal Address 2.23 [0..1] +++ Identification 2.23 [1..1] {Or ++++ Organisation Identification SEPA (EPC) Condition / Remark VR Must contain a valid currency code, if present. Only EUR is permitted. (AT-06 BIC code of the Originator Bank) Only BIC may occur. Identifies the debtor s bank and must contain a valid Swift code If filled, Ultimate Debtor may not occur at the post level. (AT-08 Name of the Originator Reference Party) A maximum of 70 positions (AT-09 Identification code of the Originator Reference Party) If filled, Private ID may not occur [0..1] BIC or BEI [0..1] {Or If filled, Other may not occur [0..n] Other [0..1] Or} If filled, BIC or BEI may not occur [1..1] Identification 2.23 [0..1] Scheme name 2.23 [1..1] {Or Code Value other than BIC or BEI that identifies the Originator Reference Party as an organisation [1..1] Or} Proprietary Description of the Other identification [0..1] Issuer Description of the body that issued the Other identification [1..1] Or} ++++ Private Identification If filled, Organisation ID may not occur. E [0..1] Date and Place of Birth [0..1] {Or If filled, Other may not occur [1..1] Birth Date 2.23 [0..1] Province of Birth 2.23 [1..1] City of Birth 2.23 [1..1] Country of Birth 2.23 [0.. n] Other [0..1] Or} 2.23 [1..1] Identification 2.23 [0..1] Scheme name 2.23 [1..1] {Or Code If filled, Date and Place of Birth may not occur. Value other than BIC or BEI that identifies the Originator Reference Party as a private person [1..1] Or} Proprietary Description of the Other identification 2.23 [0..1] Issuer Description of the body that issued the E077 E068 E155 E084 19

20 Index (ISO) Mult. (ISO) Message element 2.23 [0..1] +++ Country of Residence 2.23 [0..1] +++ Contact Details SEPA (EPC) Condition / Remark VR Other identification [0..1] ++ Charge Bearer If filled, must contain the value SLEV E [0..1] ++ Charges Account 2.26 [0..1] ++ Charges Account Agent 2.27 [1..n] ++ Credit Transfer Transaction Information 2.28 [1..1] +++ Payment Identification 2.29 [0..1] ++++ Instruction Identification Is ignored [1..1] ++++ End-to-end Identification 2.31 [0..1] +++ Payment Type Information 2.32 [0..1] ++++ Instruction Priority 2.33 [0..1] ++++ Service Level 2.34 [1..1] {Or Code 2.35 [1..1] Or} Proprietary 2.36 [0..1] ++++ Local Instrument 2.37 [1..1] {Or Code 2.38 [1..1] Or} Proprietary 2.39 [0..1] ++++ Category Purpose 2.40 [1..1] {Or Code 1-10,000 transfers in a batch (AT-41 Originator s Reference to the Credit Transfer) The customer reference is passed on unchanged by all the parties involved in the transaction. (AT-40 Identification code of the Scheme) Must be filled with SEPA (AT-45 Category purpose of the Credit Transfer) If this appears, the entry must be identical to Category Purpose at the batch level If this appears, only the value SALA is permitted to designate a salary payment [1..1] Or} Proprietary Is ignored if it appears 2.42 [1..1] +++ Amount 2.43 [1..1] {Or ++++ Instructed Amount [1..1] 2.44 [1..1] Or} ++++ Equivalent Amount 2.47 [0..1] +++ Exchange Rate Information (AT-04 Amount of the Credit Transfer in Euros). Minimum amount is 0.01 and maximum amount is The maximum number of decimal positions is 2. E.g is Euro. If no decimal point is used, it is assumed that the amount is in whole Euros. E.g. 10 is Euro. E061 E075 E157 E151 E087 E074 E158 20

21 Index (ISO) Mult. (ISO) Message element SEPA (EPC) Condition / Remark VR 2.51 [0..1] +++ Charge Bearer If filled, the value must be SLEV 2.52 [0..1] +++ Cheque Instruction 2.70 [0..1] +++ Ultimate Debtor 2.70 [0..1] ++++ Name 2.70 [0..1] +++ Postal Address 2.70 [0..1] ++++ Identification 2.70 [1..1] {Or Organisation Identification If filled, Originator Reference Party may not occur at the batch level. (AT-08 Name of the Originator Reference Party) A maximum of 70 positions (AT-09 Identification code for the Originator Reference Party) If filled, Private ID may not occur [0..1] BIC or BEI [0..1] {Or If filled, Other may not occur [0..n] Other [0..1] Or} If filled, BIC or BEI may not occur [1..1] Identification 2.70 [0..1] Scheme name 2.70 [1..1] {Or Code Value other than BIC or BEI that identifies the Originator Reference Party as an organisation [1..1] Or} Proprietary Description of the Other identification 2.70 [0..1] Issuer Description of the body that issued the Other identifier [1..1] Or} Private Identification If filled, Organisation ID may not occur. E [0..1] Date and Place of Birth 2.70 [1..1] Birth Date 2.70 [0..1] Province of Birth 2.70 [1..1] City of Birth 2.70 [1..1] Country of Birth 2.70 [0..n] Other [0..1] Or} 2.70 [1..1] Identification 2.70 [0..1] Scheme name 2.70 [1..1] {Or Code [0..1] {Or If filled, Other may not occur. If filled, Date and Place of Birth may not occur. Value other than Date and Place of Birth that identifies the Originator Reference Party as a private person [1..1] Or} Proprietary Description of the Other identification 2.70 [0..1] Issuer 2.70 [0..1] ++++ Country of Residence 2.70 [0..1] ++++ Contact Details 2.71 [0..1] +++ Intermediary Agent [0..1] +++ Intermediary Agent 1 Account 2.73 [0..1] +++ Intermediary Agent [0..1] +++ Intermediary Agent 2 Description of the body that issued the Other identifier. E155 E084 21

22 Index (ISO) Mult. (ISO) Message element Account 2.75 [0..1] +++ Intermediary Agent [0..1] +++ Intermediary Agent 3 Account SEPA (EPC) Condition / Remark VR 2.77 [0..1] +++ Creditor Agent (AT-23 BIC of the Beneficiary Bank) 2.77 [1..1] ++++ Financial Institution Identification 2.77 [0..1] BIC 2.78 [0..1] +++ Creditor Agent Account 2.79 [0..1] +++ Creditor [1..1] 2.79 [0..1] ++++ Name [1..1] The BIC of the creditor s bank. Must contain a valid value. (AT-21 Beneficiary s name) A maximum of 70 positions 2.79 [0..1] ++++ Postal Address (AT-22 Beneficiary s address) 2.79 [0..1] ++++ Address Type 2.79 [0..1] Department 2.79 [0..1] Sub-department 2.79 [0..1] Street name 2.79 [0..1] Building Number 2.79 [0..1] Post Code 2.79 [0..1] Town Name 2.79 [0..1] Country Subdivision 2.79 [0..1] Country 2.79 [0..7] Address Line [0..2] If present, must contain a 2-position ISO country code Only 2 lines are supported. If present, 2.79 Country is mandatory [0..1] ++++ Identification (AT-24 Beneficiary Identification Code) 2.79 [1..1] {Or Organisation Identification If filled, Private ID may not occur [0..1] BIC or BEI [0..1] {Or If filled, Other may not occur [0..n] Other [0..1] Or} If filled, BIC or BEI may not occur [1..1] Identification 2.79 [0..1] Scheme name 2.79 [1..1] {Or Code Value other than BIC or BEI that identifies the Beneficiary as an organisation [1..1] Or} Proprietary Description of the Other identification 2.79 [0..1] Issuer Description of the body that issued the Other identification [0..1] Or} Private Identification If filled, Organisation ID may not occur. E [0..1] Date and Place of Birth 2.79 [1..1] Birth Date 2.79 [0..1] Province of Birth 2.79 [1..1] City of Birth 2.79 [1..1] Country of Birth [0..1] {Or If filled, Other may not occur. E065 E069 E084 22

23 Index (ISO) Mult. (ISO) Message element SEPA (EPC) 2.79 [0..n] Other [0..1] Or} 2.79 [1..1] Identification 2.79 [0..1] Scheme name 2.79 [1..1] {Or Code Condition / Remark VR If filled, Date and Place of Birth may not occur. Value other than Date and Place of Birth that identifies the Beneficiary as a private person [1..1] Or} Proprietary Description of the Other identification 2.79 [0..1] Issuer 2.79 [0..1] +++ Country of Residence 2.79 [0..1] +++ Contact Details Description of the body that issued the Other identification [0..1] +++ Creditor Account [1..1] (AT-20 Beneficiary s Account number) 2.80 [1..1] ++++ Identification Only IBAN is supported [1..1] {Or IBAN Must contain a valid IBAN E [1..1] Or} Other 2.81 [0..1] +++ Ultimate Creditor 2.81 [0..1] ++++ Name 2.81 [0..1] ++++ Postal Address 2.81 [0..1] ++++ Identification 2.81 [0..1] {Or Organisation Identification (AT-28 Name of the Beneficiary Reference Party) A maximum of 70 positions (AT-29 Identification Code of the Beneficiary Reference Party) If filled, Private ID may not occur [0..1] BIC or BEI [0..1] {Or If filled, Other may not occur [0..n] Other [0..1] Or} If filled, BIC or BEI may not occur [1..1] Identification 2.81 [0..1] Scheme name 2.81 [1..1] {Or Code Value other than BIC or BEI that identifies the Beneficiary Reference Party as an organisation [1..1] Or} Proprietary Description of the Other identification 2.81 [0..1] Issuer Description of the body that issued the Other identification [0..1] Or} Private Identification If filled, Organisation ID may not occur. E [0..1] Date and Place of Birth 2.81 [1..1] Birth Date 2.81 [0..1] Province of Birth 2.81 [1..1] City of Birth 2.81 [1..1] Country of Birth 2.81 [0..n] Other [0..1] Or} 2.81 [1..1] Identification [0..1] {Or If filled, Other may not occur. Value other than Date and Place of Birth that identifies the Beneficiary Reference Party as a private person. E084 23

24 Index (ISO) Mult. (ISO) Message element 2.81 [0..1] Scheme name 2.81 [1..1] {Or Code SEPA (EPC) Condition / Remark VR 2.81 [1..1] Or} Proprietary Description of the Other identification [0..1] Issuer 2.81 [0..1] ++++ Country of Residence 2.81 [0..1] ++++ Contact Details 2.82 [0..1] 2.85 [0..1] +++ Instruction for Creditor Agent +++ instruction for Debtor Agent Description of the body that issued the Other identification [0..1] +++ Purpose (AT-44 Purpose of the Credit Transfer) 2.87 [1..1] {Or ++++ Code [1..1] 2.88 [1..1] Or} ++++ Proprietary 2.89 [0..10] +++ Regulatory Reporting 2.90 [0..1] +++ Tax 2.91 [0..10] +++ Related Remittance Information 2.98 [0..1] +++ Remittance Information 2.99 [0..n] ++++ Unstructured [0..1] {Or [0..n] ++++ Structured [0..1] Or} [0..n] [0..n] [0..1] Referred Document Information Referred Document Amount Creditor Reference Information [0..1] Type [1..1] Code or Proprietary Only codes from the ISO External Purpose Code List are permitted. (AT-05 Remittance Information) Only one or the two options Structured or Unstructured is permitted as a description A maximum of 140 positions is permitted for the description A maximum of 140 positions is permitted for the description, including tags If used, both Type and Reference must appear [1..1] {Or Code [1..1] Must be filled with SCOR [1..1] Or} Proprietary [0..1] Issuer Possible values if filled: ISO if ISO RF Creditor Reference (ISO 11649) is used CUR if Payment reference number is used (only in the Netherlands) BBA when Structured Announcement is used (only Belgium) E156 E159 E067 E091 E153 24

25 Index (ISO) Mult. (ISO) Message element [0..1] Reference [0..1] Invoicer [0..1] Invoicee [0..3] Additional Remittance Information SEPA (EPC) Condition / Remark VR Other when Reference is used in other cases This entry depends on the Issuer s E154 entry for

26 5. SEPA Direct Debit (SDD) 5.1 Introduction This chapter describes the pain format as used for offering batches with SEPA direct debit mandate. 5.2 SEPA Direct Debit The following table defines the ISO message elements and their use in a pain Use of colour in the index column Message element is a mandatory part of the SEPA messages format. Message element is defined in ISO 20022, but is not used within the SEPA messages format. The presence of such a message element is ignored provided this complies with ISO Index (ISO) Mult. (ISO) Message element SEPA (EPC) Condition / Remark VR [1..1] + Message Root 1.0 [1..1] + Group Header File data 1.1 [1..1] ++ Message Identification Is used to detect duplicate files; it must be unique within a period of the last 90 days. 1.2 [1..1] ++ Creation Date Time Moment at which the file was created. Must contain a valid date time designator. The date format is yyyymm-dd. The time format is hh:mm:ss. 1.3 [0..2] ++ Authorisation 1.6 [1..1] ++ Number of Transactions Total number of transactions for the batches in the file E [0..1] ++ Control Sum Total number of the batches in the file E [1..1] ++ Initiating Party All message sub-elements are ignored in Access Online. The name is overwritten with the data stored in the bank s administration. 1.8 [0..1] +++ Name 1.8 [0..1] +++ Postal Address 1.8 [0..1] +++ Identification ++++ Organisation 1.8 [0..1] IDentification [0..1] {Or 1.8 [0..n] ++++ Private Identification [0..1] Or} 1.8 [0..1] +++ Country of Residence 1.8 [0..1] +++ Contact Details 1.9 [0..1] ++ Forwarding Agent 2.0 [1..n] + Payment Information 1-n batches in the file Contains the reference for the batch ++ Payment Information 2.1 [1..1] that is taken over on the customer s Identification statement. 2.2 [1..1] ++ Payment Method Must contain the value DD E060 26

27 Index (ISO) Mult. (ISO) Message element SEPA (EPC) 2.3 [0..1] ++ Batch Booking Not used. 2.4 [0..1] ++ Number of Transactions 2.5 [0..1] ++ Control Sum 2.6 [0..1] ++ Payment Type Information [1..1] 2.7 [0..1] +++ Instruction Priority 2.8 [0..1] +++ Service Level [1..1] 2.9 [1..1] {Or ++++ Code 2.10 [1..1] Or} ++++ Proprietary 2.11 [0..1] +++ Local Instrument [1..1] 2.12 [1..1] {Or ++++ Code [1..1] 2.13 [1..1] Or} ++++ Proprietary 2.14 [0..1] +++ Sequence Type [1..1] 2.15 [0..1] +++ Category Purpose Condition / Remark VR Total number of transactions in the batch; the maximum number of transactions in the batch is stipulated in the SEPA contract. Total batch amount; the maximum batch amount is specified in the SEPA contract. (AT-20 Scheme Identification Code) Must contain the value SEPA (AT-20 Scheme Identification Code) Possible values CORE or B2B. Combining the two SDD schemes in 1 file is forbidden. For the moment, only CORE is supported. (AT-21 Transaction Type) Permitted values OOFF, FRST, RCUR, FNAL Must contain the value FRST if Amendment Indicator = true and Original Debtor Agent is SMNDA. (AT-59 Category purpose of the Direct debit) Use is not supported [1..1] {Or ++++ Code If present, the contents are ignored [1..1] Or} ++++ Proprietary If present, the contents are ignored [1..1] ++ Requested Collection Date 2.19 [1..1] ++ Creditor (AT-11 Due Date for the Collection) Must be an existing Target date. The date may not be more than 364 days in the future (scheduling). A date in the past is changed to reflect the first possible processing date. All message sub-elements are ignored in Access Online and are overwritten with the account holder data specified in the bank s administration [0..1] +++ Name [1..1] (AT-03 Creditor s name) 2.19 [0..1] +++ Postal Address (AT-05 Creditor s address) 2.19 [0..1] ++++ Address Type 2.19 [0..1] ++++ Department E061 E075 E062 E063 E076 E259 E071 27

28 Index (ISO) Mult. (ISO) Message element 2.19 [0..1] ++++ Sub-department 2.19 [0..1] ++++ Street name 2.19 [0..1] ++++ Building Number 2.19 [0..1] ++++ Post Code 2.19 [0..1] ++++ Town Name 2.19 [0..1] ++++ Country Subdivision 2.19 [0..1] ++++ Country 2.19 [0..7] ++++ Address Line [0..2] 2.19 [0..1] +++ Identification 2.19 [0..1] +++ Country of Residence 2.19 [0..1] +++ Contact Details SEPA (EPC) Condition / Remark VR If filled, contains an Alpha-2 ISO 3166 country code in the SEPA region. A maximum of 2 lines with a maximum of 70 positions is supported [1..1] ++ Creditor Account (AT-04 Creditor s account number) 2.20 [1..1] +++ Identification Only IBAN is supported [1..1] {Or ++++ IBAN Must contain a valid IBAN E [1..1] Or} ++++ Other 2.20 [0..1] +++ Type 2.20 [0..1] +++ Currency 2.20 [0..1] +++ Name Is ignored If this appears, it must contain a valid currency code. Only EUR is permitted [1..1] ++ Creditor Agent (AT-12 Creditor Bank BIC code) 2.21 [1..1] +++ Financial Institution Identification 2.21 [0..1] ++++ BIC 2.22 [0..1] ++Creditor Agent Account 2.23 [0..1] ++ Ultimate Creditor 2.23 [0..1] +++ Name 2.23 [0..1] +++ Postal Address 2.23 [0..1] +++ Identification 2.23 [1..1] {Or ++++ Organisation IDentification 2.23 [0..1] BIC or BEI [0..1] {Or 2.23 [0..n] Other [0..1] Or} 2.23 [1..1] Identification Creditor bank s BIC. Must contain a valid value. If filled, Ultimate Creditor may not occur at the post level. (AT-38 Creditor Reference Party s name) A maximum of 70 positions (AT-39 Creditor Reference Party s Identification Code) If filled, Private ID may not occur. Valid BIC or BEI (Business Entity Identification) that identifies the Creditor Reference Party as an organisation. If BIC or BEI is used, Other is not permitted. If Other is used, BIC or BEI may not occur. Value other than BIC or BEI that identifies the Creditor Reference Party E069 E077 E068 E251 E084 28

29 Index (ISO) Mult. (ISO) Message element 2.23 [0..1] Scheme name 2.23 [1..1] {Or Code SEPA (EPC) Condition / Remark VR as an organisation [1..1] Or} Proprietary Description of the Other identification [0..1] Issuer Description of the body that issued the Other identification [1..1] Or} ++++ Private Identification If filled, Organisation ID may not occur. E [0..1] Date and Place of Birth [0..1] {Or 2.23 [1..1] Birth Date 2.23 [0..1] Province of Birth 2.23 [1..1] City of Birth 2.23 [1..1] Country of Birth 2.23 [0..n] Other [0..1] Or} 2.23 [1..1] Identification 2.23 [0..1] Scheme name 2.23 [1..1] {Or Code 2.23 [1..1] Or} Proprietary 2.23 [0..1] Issuer 2.23 [0..1] +++ Country of Residence 2.23 [0..1] +++ Contact Details Valid birth date and city that identifies the Creditor Reference Party as a private person. If Other is used, Date and Place of Birth may not occur. If Date and Place of Birth is used, Other is not permitted. Value other than Date and Place of Birth that identifies the Creditor Reference Party as a private person. E.g. a passport number of a driving licence number. A description of the Other identification e.g., the text passport or driving licence.. Description of the body that issued the Other identification. E.g. the text municipality as the passport issuing 2.24 [0..1] ++ Charge Bearer If filled, the value must be SLEV. E [0..1] ++ Charges Account 2.26 [0..1] ++ Charges Account Agent 2.27 [0..1] ++ Creditor Scheme Identification 2.27 [0..1] +++ Name 2.27 [0..1] +++ Postal Address 2.27 [0..1] +++ Identification [1..1] 2.27 [0..1] {Or ++++ Organisation IDentification 2.27 [0..1] Or} ++++ Private Identification [1..1] body. If filled, Creditor Scheme Identification may not occur at the post level. Identifies an involved party as an organisation or a private person E252 29

30 Index (ISO) Mult. (ISO) Message element 2.27 [0..1] Date And Place of Birth 2.27 [0..n] Other [1..1] 2.27 [0..1] Identification [1..1] 2.27 [0..1] Scheme Name 2.27 [1..1] {Or Code SEPA (EPC) Condition / Remark VR (AT-02 Creditor Identifier) Identifies the creditor; this identifier must be unique within the SEPA region. Is assigned once by the bank when the SEPA direct debit contract is concluded. The Business Code in positions 5-7 is not part of the SEPA direct debit contract and may deviate from the standard value of ZZZ [1..1] Or} Proprietary Must contain the value SEPA 2.27 [0..1] Issuer 2.27 [0..1] +++ Country of Residence 2.27 [0..1] +++ Contact Details 2.28 [1..n] ++ Direct Debit Transaction Information 2.29 [1..1] +++ Payment Identification 2.30 [0..1] ++++ Instruction Identification Is ignored 2.31 [0..1] ++++ End-to-end Identification 2.32 [0..1] +++ Payment Type Information 2.44 [1..1] +++ Instructed Amount 1-10,000 direct debit items in a batch (AT-10 Creditor s Reference for the Direct Debit Collection) Can be filled with a reference to the collection post assigned by the creditor. The contents are passed on unchanged by all the parties involved in the. A maximum of 35 positions is permitted. (AT-06 Direct debit amount in Euros). The minimum amount is 0.01; the maximum amount is The maximum number of decimal positions is 2. E.g is Euro. If no decimal point is used, it is assumed that the amount is in whole Euros. E.g. 10 is Euro [0..1] +++ Charge Bearer If filled, the value must be SLEV. E [0..1] +++ Direct Debit Transaction [1..1] Mandatory E [0..1] ++++ Mandate Related Information 2.48 [0..1] Mandate Identification [1..1] [1..1] Mandatory (AT-01 Unique Mandate Reference) Feature of the authorisation; must be unique in connection with Creditor Scheme ID 2. The entry is not case sensitive; in other words 123AAa45678, 123aaA45678, E158 E074 E087 30

31 Index (ISO) Mult. (ISO) Message element SEPA (EPC) Condition / Remark VR 123aaa45678 and 123AAA45678 are all considered identical [0..1] Date Of Signature [1..1] (AT-25 Date the Mandate was Signed) 2.50 [0..1] Amendment Indicator 2.51 [0..1] 2.52 [0..1] 2.53 [0..1] Amendment Information Details Original Mandate Identification Original Creditor Scheme Identification 2.53 [0..1] Name 2.53 [0..1] Postal Address 2.53 [0..1] Identification [1..1] 2.53 [0..1] {Or Organisation IDentification 2.53 [0..1] Or} Private Identification [1..1] 2.53 [0..1] Date And Place of Birth 2.53 [0..n] Other [0..1] 2.53 [1..1] Identification 2.53 [0..1] Scheme Name 2.53 [1..1] {Or Code If true, this indicates that the mandate data have been modified. (AT-24 Reason for Amending the Mandate) If Amendment Indicator has the value true, at least one of the following message elements must appear: - Original Mandate ID. - Original Creditor Scheme ID. - Original Debtor Account - Original Debtor Agent (AT-19 Unique Mandate Reference as stipulated by the original Creditor who issued the Mandate). May only appear if the authorisation characteristic is modified. (AT-03 Name of the Original Creditor) Is not supported. Name of the creditor is specified in the SEPA contract and cannot be modified via file upload. Is ignored Identifies a party involved as an organisation or as a private person. (AT-18 Identifier of the Original Creditor who issued the Mandate) May only appear if the Creditor ID used for collection deviates from the Creditor ID for the authorisation [1..1] Or} Proprietary Must contain the value SEPA. E [0..1] Issuer 2.53 [0..1] Country of Residence 2.53 [0..1] Contact Details E081 E082 31

32 Index (ISO) Mult. (ISO) Message element 2.54 [0..1] Original Creditor Agent 2.55 [0..1] Original Creditor Agent Account 2.56 [0..1] Original Debtor 2.57 [0..1] Original Debtor Account 2.57 [1..1] Identification SEPA (EPC) Condition / Remark VR May only appear if the IBAN of the authorisation deviates from the IBAN used for collection [1..1] {Or IBAN IBAN for the authorisation. E [1..1] Or} Other 2.58 [0..1] Original Debtor Agent 2.58 [1..1] Financial Institution Identification May only appear if the IBAN used for collection by another bank differs from the IBAN used for the authorisation 2.58 [0..1] BIC If this appears, it is ignored [0..1] Clearing System Member Identification If this appears, it is ignored [0..1] Name If this appears, it is ignored [0..1] Postal Address If this appears, it is ignored [0..1] Other 2.58 [1..1] Identification 2.58 [0..1] Scheme name 2.58 [0..1] Issuer 2.59 [0..1] 2.60 [0..1] Original Debtor Agent Account Original Final Collection Date 2.61 [0..1] Original Frequency 2.62 [0..1] Electronic Signature 2.63 [0..1] First Collection Date 2.64 [0..1] Final Collection Date 2.65 [0..1] Frequency 2.66 [0..1] ++++ Creditor Scheme Identification 2.66 [0..1] Name May only be contain the value SMNDA ( Same Mandate New Debtor Agent ) if the IBAN used for collection by another bank differs from the IBAN for the authorisation. (AT-16 The placeholder for the electronic signature data) Does not apply if a paper authorisation is used. Is provisionally not supported. If filled, Creditor Scheme Identification may not occur at the batch level. Creditor Scheme Identification must be the same for all collection items. E080 E252 E066 32

33 Index (ISO) Mult. (ISO) Message element 2.66 [0..1] Postal Address 2.66 [0..1] Identification 2.66 [0..1] {Or Organisation IDentification 2.66 [0..1] Or} Private Identification [1..1] 2.66 [0..1] Date And Place of Birth 2.66 [0..n] Other [1..1] SEPA (EPC) Condition / Remark VR Identifies a party involved as an organisation or a private person 2.66 [1..1] Identification [1..1] (AT-02 Creditor Identifier) 2.66 [0..1] Scheme Name 2.66 [1..1] {Or Code 2.66 [1..1] Or} Proprietary Must contain the value SEPA 2.66 [0..1] Issuer 2.66 [0..1] Country of Residence 2.66 [0..1] Contact Details 2.67 [0..1] ++++ Pre Notification Identification 2.68 [0..1] ++++ Pre Notification Date 2.69 [0..1] +++ Ultimate Creditor 2.69 [0..1] ++++ Name 2.69 [0..1] +++ Postal Address 2.69 [0..1] ++++ Identification 2.69 [1..1] {Or Organisation IDentification If filled, Ultimate Creditor may not occur at the batch level. (AT-38 Creditor Reference Party s name) A maximum of 70 positions (AT-39 Identification code for the Creditor Reference Party) If filled, Private ID may not occur [0..1] BIC or BEI [0..1] {Or If filled, Other may not occur [0..n] Other [0..1] Or} If filled, BIC or BEI may not occur [1..1] Identification 2.69 [0..1] Scheme name 2.69 [1..1] {Or Code Value other than BIC or BEI that identifies the Ultimate Creditor Reference Party as an organisation [1..1] Or} Proprietary A description of the Other identification 2.69 [0..1] Issuer Description of the party that issued the Other identification [1..1] Or} Private Identification E [0..1] Date and Place of Birth 2.69 [1..1] Birth Date 2.69 [0..1] Province of Birth 2.69 [1..1] City of Birth [0..1] {Or If filled, Other may not occur. E061 E075 E084 33

34 Index (ISO) Mult. (ISO) Message element 2.69 [1..1] Country of Birth SEPA (EPC) 2.69 [0..n] Other [0..1] Or} 2.69 [1..1] Identification 2.69 [0..1] Scheme name 2.69 [1..1] {Or Code 2.69 [1..1] Or} Proprietary 2.69 [0..1] Issuer 2.69 [0..1] ++++ Country of Residence 2.69 [0..1] ++++ Contact Details Condition / Remark VR If filled, Date and Place of Birth may not occur. Value other than Date and Place of Birth that identifies the Ultimate Creditor Reference Party as a private person. E.g. a passport number of a driving licence number. A description of the Other identification e.g. the text passport or driving licence. Description of the party that issued the Other identification. E.g. the text municipality as the issuing body for a passport [1..1] +++ Debtor Agent (AT-13 BIC for the Debtor Bank) 2.70 [1..1] ++++ Financial Institution Identification 2.70 [0..1] BIC Debtor Agent Account 2.72 [1..1] +++ Debtor 2.72 [0..1] ++++ Name [1..1] The BIC of the debtor s bank. Must contain a valid value. (AT-14 Debtor name) A maximum of 70 positions 2.72 [0..1] ++++ Postal Address (AT-09 Debtor s address) 2.72 [0..1] Address Type 2.72 [0..1] Department 2.72 [0..1] Sub-department 2.72 [0..1] Street name 2.72 [0..1] Building Number 2.72 [0..1] Post Code 2.72 [0..1] Town Name 2.72 [0..1] Country Sub-division 2.72 [0..1] Country If an ISO country code appears, it must contain 2 positions [0..7] Address Line [0..2] Only 2 lines are supported [0..1] ++++ Identification (AT-27 Debtor Identification Code) 2.72 [1..1] {Or Organisation IDentification If filled, Private ID may not occur [0..1] BIC or BEI [0..1] {Or If filled, Other may not occur [0..n] Other [0..1] Or} If filled, BIC or BEI may not occur [1..1] Identification Value other than BIC or BEI that E068 E069 E084 34