SEPA CORE DIRECT DEBIT SCHEME INTER-BANK IMPLEMENTATION GUIDELINES

Transcription

1 Doc: EPC November 2014 (Version 8.0 Approved) EPC SEPA CORE DIRECT DEBIT SCHEME INTER-BANK IMPLEMENTATION GUIDELINES Abstract Document Reference Issue This document sets out the rules for implementing Version 8.0 of the SEPA Core Direct Debit Scheme Rulebook based on Version 2009 of the interbank 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 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 CHANGE-OVER DATE MANDATORY BANK-TO-BANK MESSAGES INTER-BANK COLLECTION (DS-04) Use of the FI to FI Customer Direct Debit (pacs ) INTER-BANK DIRECT DEBIT RETURN/REFUND OF A COLLECTION (DS-05) Use of the Payment Return (pacs ) Specifications INTER-BANK DIRECT DEBIT REJECT DATASET (DS-05) Use of the FI to FI Payment Status Report (pacs ) Specifications INTER-BANK REVERSAL INSTRUCTION FOR A COLLECTION (DS-07) Use of the Payment Reversal (pacs ) Specifications SEPA Core Direct Debit Inter-bank 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 ISO [8] ISO Structured creditor reference to remittance information ISO [9] EPC SEPA Core Direct Debit Scheme E-Mandate Service Implementation Guidelines EPC [10] EPC SEPA Requirements for an Extended Character Set EPC 0.2 Change History Issue number Dated Reason for revision V Approved under the authority of the EPC Plenary March 2006 V EPC Plenary approval 19 June 2007 V EPC Plenary approval 24 June 2008 V EPC Plenary approval 17 December 2008 V EPC Plenary approval 31 March 2009 V EPC Plenary approval October See also SEPA Core Direct Debit Inter-bank Implementation Guidelines Version 8.0 Approved November 2014 Page 2

4 V EPC Plenary approval October 2009 V EPC Plenary approval September 2010 V EPC Plenary approval September 2011 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 inter-bank ISO XML message standards for the implementation of the SEPA Direct Debits as defined in the SEPA Core Direct Debit Scheme Rulebook. SEPA Core Direct Debit Inter-bank Implementation Guidelines Version 8.0 Approved November 2014 Page 3

5 1 INTRODUCTION This document sets out the SEPA rules for implementing the inter-bank direct debit ISO XML message standards. The SEPA Core Direct Debit Scheme Rulebook defines data sets which are implemented in the relevant ISO XML message standard as follows. SEPA Direct Debit Scheme Rulebook DS-01 The Mandate DS-02 The dematerialised Mandate DS-04 The inter-bank Collection DS-05 Direct Debit Rejection, Return or Refund of a Collection or a Reversal DS-06 Bank to customer Direct Debit Information DS-07 The inter-bank Reversal for a Collection by the Creditor DS-08 The request and response message for a claim for the Refund of an unauthorised transaction DS-09 The request and response template for a claim for the Refund of an unauthorised transaction DS-10 The request message for obtaining a copy of a Mandate DS-11 The template for the request and the response for obtaining a copy of a Mandate ISO XML Message Standards Not applicable as this refers to the paper mandate For electronic Mandate see the e-mandate Service Implementation Guidelines FI to FI Customer Direct Debit (pacs ) Return or Refund Payment Return (pacs ) Reject Payment Status Report (pacs ) Statements/advice ISO XML standards are covered separately. Reversal Payment Reversal (pacs ) Not applicable as there is no specific XML message available Not applicable as this refers to a paper based exchange Not applicable as there is no specific XML message available yet Not applicable as this refers to a paper based exchange The Guidelines for the inter-bank direct debit message standards are mandatory. 1.1 Coverage of the SEPA Implementation Guidelines The purpose of the SEPA inter-bank Implementation Guidelines, hereafter referred to as the Guidelines, is to provide guidance on the use of the Global ISO XML standards in making SEPA Core payments as defined in the SEPA scheme rulebooks and supplemented by processing requirements. SEPA Core Direct Debit Inter-bank Implementation Guidelines Version 8.0 Approved November 2014 Page 4

6 The Guidelines are fully aligned to the SEPA Core requirments as defind in the Rulebook and identify message elements needed for inter-bank processing while recognising message elements that may be available for use in Additional Optional Services (AOS), as shown below. 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 Interbank 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 Mandatory 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 and clearing and settlement mechanisms 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 Inter-bank Implementation Guidelines Version 8.0 Approved November 2014 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 Mandatory 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 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-related message elements, but which is not a member of the 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 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 Inter-bank Implementation Guidelines Version 8.0 Approved November 2014 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. 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. SEPA Core Direct Debit Inter-bank Implementation Guidelines Version 8.0 Approved November 2014 Page 7

9 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 sub-elements, 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 must be allowed to use the character set currently in use at national level, banks 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 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. 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 8. SEPA Core Direct Debit Inter-bank Implementation Guidelines Version 8.0 Approved November 2014 Page 8

10 1.5.2 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 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. SEPA Core Direct Debit Inter-bank Implementation Guidelines Version 8.0 Approved November 2014 Page 9

11 1.5.4 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. 1.7 Change-Over Date As from the change-over date, receiving banks may only receive messages, including the r- messages, in the new version. SEPA Core Direct Debit Inter-bank Implementation Guidelines Version 8.0 Approved November 2014 Page 10

12 2 MANDATORY BANK-TO-BANK MESSAGES 2.1 Inter-bank Collection (DS-04) Use of the FI to FI Customer Direct Debit (pacs ) This message is used to transport the Direct Debit Collection instruction from the Creditor Bank to the Debtor Bank, directly or through intermediaries. The message caters for bulk and single direct debit instructions. SEPA Core Direct Debit Inter-bank Implementation Guidelines Version 8.0 Approved November 2014 Page 11

13 Document Document Document 1..1 FITo FICustomer Direct Debit V02 FITo FICustomer Direct Debit V02 The FIToFICustomerDirectDebit message is sent by the creditor's agent to the debtor's agent, directly or through other agents and/or a payment clearing and settlement system. It is used to collect funds from a debtor's account for a creditor. FIToFICstmrDrctDbt FIToFICustomerDirectDebitV FITo FICustomer Direct Debit V02 Group Header Set of characteristics shared by all individual transactions included in the message. GrpHdr GroupHeader FITo FICustomer Direct Debit 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 FITo FICustomer Direct Debit V02 Creation Date Time Date and time at which the message was created. ++Creation Date Time CreDtTm ISODateTime FITo FICustomer Direct Debit V02 ++Authorisation 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 FITo FICustomer Direct Debit V02 ++Batch Booking 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 SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 12

14 FITo FICustomer Direct Debit V02 ++Number Of Transactions FITo FICustomer Direct Debit V02 ++Control Sum FITo FICustomer Direct Debit V02 ++Total Interbank Settlement Amount FITo FICustomer Direct Debit V02 ++Interbank Settlement Date FITo FICustomer Direct Debit V02 ++Settlement Information FITo FICustomer Direct Debit V02 ++Settlement Information +++Settlement Method FITo FICustomer Direct Debit V02 ++Settlement Information +++Settlement Account FITo FICustomer Direct Debit V02 ++Settlement Information +++Clearing System Number Of Transactions Number of individual transactions contained in the message. NbOfTxs Max15NumericText Pattern [0-9]{1,15} Control Sum Total of all individual amounts included in the message, irrespective of currencies. CtrlSum DecimalNumber SEPA FractDigits 17 TotalDigits 18 SEPA Usage Rule(s) Mandatory 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) Total Interbank Settlement Amount Total amount of money moved between the instructing agent and the instructed agent. TtlIntrBkSttlmAmt ActiveCurrencyAndAmount SEPA FractDigits 2 TotalDigits 18 SEPA Inclusive AT-26 Settlement Date of the Collection. SEPA Usage Rule(s) Mandatory 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 Settlement Information Specifies the details on how the settlement of the transaction(s) between the instructing agent and the instructed agent is completed. SttlmInf SettlementInformation14 Settlement Method Method used to settle the (batch of) payment instructions. SttlmMtd SettlementMethod2Code SEPA Usage Rule(s) Only Identification is allowed. Settlement Account A specific purpose account used to post debit and credit entries as a result of the transaction. SttlmAcct CashAccount16 Clearing System Specification of a pre-agreed offering between clearing agents or the channel through which the payment instruction is processed. ClrSys ClearingSystemIdentification3Choice SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 13

15 FITo FICustomer Direct Debit V02 ++Payment Information FITo FICustomer Direct Debit V02 ++Payment Information +++Instruction Priority SEPA Usage Rule(s) Payment Information must be present in either Group Header or in Direct Debit Transaction Information. Payment Information Set of elements used to further specify the type of transaction. PmtTpInf PaymentInformation22 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 FITo FICustomer Direct Debit V02 Clearing Channel ++Payment Information Specifies the clearing channel to be used to process the payment instruction. +++Clearing Channel ClrChanl ClearingChannel2Code FITo FICustomer Direct Debit 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 FITo FICustomer Direct Debit V02 AT-20 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 FITo FICustomer Direct Debit V02 ++Payment Information +++Service Level ++++Proprietary FITo FICustomer Direct Debit 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 Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 14

16 FITo FICustomer Direct Debit V02 ++Payment Information +++Local Instrument ++++Code FITo FICustomer Direct Debit V02 ++Payment Information +++Local Instrument ++++Proprietary 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 Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 15

17 FITo FICustomer Direct Debit V02 ++Payment Information +++Sequence FITo FICustomer Direct Debit V02 ++Payment Information +++Category Purpose FITo FICustomer Direct Debit V02 ++Instructing Agent FITo FICustomer Direct Debit V02 ++Instructed Agent n FITo FICustomer Direct Debit V FITo FICustomer Direct Debit V02 ++Payment Identification 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 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 Usage Rule(s) Only BIC is allowed. Instructing Agent Agent that instructs the next party in the chain to carry out the (set of) instruction(s). InstgAgt BranchAndFinancialInstitutionIdentification4 SEPA Usage Rule(s) Only BIC is allowed. Instructed Agent Agent that is instructed by the previous party in the chain to carry out the (set of) instruction(s). InstdAgt BranchAndFinancialInstitutionIdentification4 Direct Debit Transaction Information Set of elements providing information specific to the individual direct debit(s). DrctDbtTxInf DirectDebitTransactionInformation10 Payment Identification Set of elements used to reference a payment instruction. PmtId PaymentIdentification3 SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 16

18 FITo FICustomer Direct Debit V02 ++Payment Identification +++Instruction Identification Instruction Identification Unique identification, as assigned by an instructing party for an instructed party, to unambiguously identify the instruction FITo FICustomer Direct Debit V02 ++Payment Identification +++End To End Identification 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 AT-10 Creditor s reference of the Direct Debit Transaction. SEPA Usage Rule(s) A customer reference that must be passed on in the end-to-end payment chain. In the event that no reference was given, NOTPROVIDED must be used. End To End Identification Unique identification, as assigned by the initiating party, to unambiguously 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 FITo FICustomer Direct Debit V02 ++Payment Identification +++Transaction Identification Usage: In case there are technical limitations to pass on multiple references, the end-to-end identification must be passed on throughout the entire end-to-end chain. EndToEndId AT-43 Creditor bank s reference of the collection. SEPA Usage Rule(s) Must contain a reference that is meaningful to the Creditor Bank and is unique over time. TxId Transaction Identification Unique identification, as assigned by the first instructing agent, to unambiguously identify the transaction that is passed on, unchanged, throughout the entire interbank chain. Usage: The transaction identification can be used for reconciliation, tracking or to link tasks relating to the transaction on the interbank level. Usage: The instructing agent has to make sure that the transaction identification is unique for a pre-agreed period. SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 17

19 FITo FICustomer Direct Debit V02 Clearing System Reference ++Payment Identification +++Clearing System Reference Unique reference, as assigned by a clearing system, to unambiguously identify the instruction. ClrSysRef FITo FICustomer Direct Debit V02 ++Payment Information SEPA Usage Rule(s) Payment Information must be present either in Group Header or in Direct Debit Transaction Information. Payment Information Set of elements used to further specify the type of transaction. PmtTpInf PaymentInformation FITo FICustomer Direct Debit 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 FITo FICustomer Direct Debit V02 Clearing Channel ++Payment Information Specifies the clearing channel to be used to process the payment instruction. +++Clearing Channel ClrChanl ClearingChannel2Code FITo FICustomer Direct Debit 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 FITo FICustomer Direct Debit V02 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 FITo FICustomer Direct Debit V02 ++Payment Information +++Service Level ++++Proprietary 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 Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 18

20 FITo FICustomer Direct Debit V02 ++Payment Information +++Local Instrument 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 1..1 xs:choice FITo FICustomer Direct Debit V02 AT-20 The identification code of the Scheme. ++Payment Information +++Local Instrument ++++Code FITo FICustomer Direct Debit V02 ++Payment Information +++Local Instrument ++++Proprietary 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 Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 19

21 FITo FICustomer Direct Debit V02 ++Payment Information +++Sequence FITo FICustomer Direct Debit V02 ++Payment Information +++Category Purpose FITo FICustomer Direct Debit V02 ++Interbank Settlement Amount FITo FICustomer Direct Debit V02 ++Interbank Settlement Date 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 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 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) Interbank Settlement Amount Amount of money moved between the instructing agent and the instructed agent. IntrBkSttlmAmt ActiveCurrencyAndAmount SEPA FractDigits 2 TotalDigits 18 SEPA Inclusive 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 SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 20

22 FITo FICustomer Direct Debit V02 ++Instructed Amount FITo FICustomer Direct Debit V02 ++Exchange Rate FITo FICustomer Direct Debit V02 ++Charge Bearer n FITo FICustomer Direct Debit V02 ++Charges Information FITo FICustomer Direct Debit V02 ++Requested Collection Date FITo FICustomer Direct Debit V FITo FICustomer Direct Debit V02 +++Mandate Related Information 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 5 TotalDigits 18 SEPA Inclusive 0.. Exchange Rate Factor used to convert an amount from one currency into another. This reflects the price at which one currency was bought with another currency. XchgRate BaseOneRate SEPA FractDigits 10 TotalDigits 11 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 Charges are to be applied following the rules agreed in the service level and/or scheme. Charges Information Provides information on the charges to be paid by the charge bearer(s) related to the payment transaction. ChrgsInf ChargesInformation5 AT-11 Due Date of the Collection. SEPA Usage Rule(s) Mandatory 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 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 Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 21

23 FITo FICustomer Direct Debit V02 +++Mandate Related Information ++++Mandate Identification FITo FICustomer Direct Debit V02 +++Mandate Related Information ++++Date Of Signature FITo FICustomer Direct Debit V02 +++Mandate Related Information ++++Amendment Indicator FITo FICustomer Direct Debit V02 +++Mandate Related Information ++++Amendment Information Details FITo FICustomer Direct Debit V02 +++Mandate Related Information ++++Amendment Information Details +++++Original Mandate Identification FITo FICustomer Direct Debit V02 +++Mandate Related Information ++++Amendment Information Details +++++Original Creditor Scheme Identification FITo FICustomer Direct Debit V02 +++Mandate Related Information ++++Amendment Information Details +++++Original Creditor Scheme Identification Name 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 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 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 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 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 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 SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 22

24 FITo FICustomer Direct Debit V02 Postal Address Information that locates and identifies a specific address, as defined by postal services. +++Mandate Related Information PstlAdr ++++Amendment Information Details PostalAddress Original Creditor Scheme Identification Postal Address FITo FICustomer Direct Debit V02 AT-18 Identifier of the Original Creditor who issued the Mandate. Identification +++Mandate Related Information ++++Amendment Information Details Unique and unambiguous identification of a party Original Creditor Scheme Id Identification Party6Choice Identification 1..1 xs:choice FITo FICustomer Direct Debit V02 Organisation Identification Unique and unambiguous way to identify an organisation. +++Mandate Related Information OrgId ++++Amendment Information Details OrganisationIdentification Original Creditor Scheme Identification Identification Organisation Identification FITo FICustomer Direct Debit V02 SEPA Usage Rule(s) Private Identification is used to identify either an organisation or a private person. Private Identification +++Mandate Related Information ++++Amendment Information Details Unique and unambiguous identification of a person, eg, passport Original Creditor Scheme PrvtId Identification PersonIdentification Identification Private Identification FITo FICustomer Direct Debit V02 Date And Place Of Birth Date and place of birth of a person. DtAndPlcOfBirth +++Mandate Related Information DateAndPlaceOfBirth ++++Amendment Information Details +++++Original Creditor Scheme Identification Identification Private Identification Date And Place Of Birth FITo FICustomer Direct Debit V02 +++Mandate Related Information ++++Amendment Information Details +++++Original Creditor Scheme 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 Identification Other Private Identification Other Unique identification of a person, as assigned by an institution, using an identification scheme. Othr GenericPersonIdentification1 SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 23

25 FITo FICustomer Direct Debit V02 +++Mandate Related Information ++++Amendment Information Details +++++Original Creditor Scheme Identification Country Of Residence FITo FICustomer Direct Debit V02 +++Mandate Related Information ++++Amendment Information Details +++++Original Creditor Scheme Identification Contact Details FITo FICustomer Direct Debit V02 +++Mandate Related Information ++++Amendment Information Details +++++Original Creditor Agent FITo FICustomer Direct Debit V02 +++Mandate Related Information ++++Amendment Information Details +++++Original Creditor Agent Account FITo FICustomer Direct Debit V02 +++Mandate Related Information ++++Amendment Information Details +++++Original Debtor FITo FICustomer Direct Debit V02 +++Mandate Related Information ++++Amendment Information Details +++++Original Debtor Account FITo FICustomer Direct Debit V02 +++Mandate Related Information ++++Amendment Information Details +++++Original Debtor Agent 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 Original Debtor Original debtor that has been modified. OrgnlDbtr PartyIdentification32 SEPA Usage Rule(s) Only IBAN is allowed. 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) 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 SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 24

26 FITo FICustomer Direct Debit V02 +++Mandate Related Information ++++Amendment Information Details +++++Original Debtor Agent Account FITo FICustomer Direct Debit V02 +++Mandate Related Information ++++Amendment Information Details +++++Original Final Collection Date FITo FICustomer Direct Debit V02 +++Mandate Related Information ++++Amendment Information Details +++++Original Frequency FITo FICustomer Direct Debit V02 +++Mandate Related Information ++++Electronic Signature FITo FICustomer Direct Debit V02 +++Mandate Related Information ++++First Collection Date FITo FICustomer Direct Debit V02 +++Mandate Related Information ++++Final Collection Date FITo FICustomer Direct Debit V02 +++Mandate Related Information ++++Frequency FITo FICustomer Direct Debit V02 +++Creditor Scheme Identification 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 AT-16 Placeholder for the electronic signature data, if applicable. AT-17 The type of Mandate (paper or 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 AT-02 Identifier of the Creditor. SEPA Usage Rule(s) Mandatory Creditor Scheme Identification Credit party that signs the mandate. CdtrSchmeId PartyIdentification32 SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 25

27 FITo FICustomer Direct Debit V02 Name Name by which a party is known and which is usually used to identify that party. +++Creditor Scheme Identification Nm ++++Name Max140Text ISO Length SEPA Length FITo FICustomer Direct Debit V02 Postal Address Information that locates and identifies a specific address, as defined by postal services. +++Creditor Scheme Identification PstlAdr ++++Postal Address PostalAddress FITo FICustomer Direct Debit V02 AT-02 Identifier of the Creditor. SEPA Usage Rule(s) Mandatory Identification +++Creditor Scheme Identification ++++Identification Unique and unambiguous identification of a party. Id Party6Choice 1..1 xs:choice FITo FICustomer Direct Debit V02 Organisation Identification Unique and unambiguous way to identify an organisation. +++Creditor Scheme Identification OrgId ++++Identification OrganisationIdentification Organisation Identification FITo FICustomer Direct Debit V02 SEPA Usage Rule(s) Private Identification is used to identify either an organisation or a private person. Private Identification +++Creditor Scheme Identification ++++Identification Unique and unambiguous identification of a person, eg, passport Private Identification PrvtId PersonIdentification FITo FICustomer Direct Debit V02 Date And Place Of Birth Date and place of birth of a person. DtAndPlcOfBirth +++Creditor Scheme Identification DateAndPlaceOfBirth ++++Identification +++++Private Identification Date And Place Of Birth FITo FICustomer Direct Debit V02 +++Creditor Scheme Identification ++++Identification +++++Private Identification Other 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 GenericPersonIdentification FITo FICustomer Direct Debit V02 +++Creditor Scheme Identification ++++Country Of Residence 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} SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 26

28 FITo FICustomer Direct Debit V02 +++Creditor Scheme Identification ++++Contact Details FITo FICustomer Direct Debit V02 +++Pre Notification Identification Contact Details Set of elements used to indicate how to contact the party. CtctDtls ContactDetails2 (Note: according to the Rulebook, the information may be provided in Remittance Information) Pre Notification Identification Unique and unambiguous identification of the pre-notification which is sent separately from the direct debit instruction FITo FICustomer Direct Debit V02 +++Pre Notification Date FITo FICustomer Direct Debit V02 ++Creditor FITo FICustomer Direct Debit V02 ++Creditor +++Name FITo FICustomer Direct Debit V02 ++Creditor +++Postal Address FITo FICustomer Direct Debit V02 ++Creditor +++Postal Address ++++Address 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 Creditor Party to which an amount of money is due. Cdtr PartyIdentification32 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 AT-05 Address of the Creditor. SEPA Usage Rule(s) Postal Address is optional but is mandatory if provided by the Creditor. 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 SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 27

29 FITo FICustomer Direct Debit V02 ++Creditor +++Postal Address ++++Department FITo FICustomer Direct Debit V02 ++Creditor +++Postal Address ++++Sub Department FITo FICustomer Direct Debit V02 ++Creditor +++Postal Address ++++Street Name FITo FICustomer Direct Debit V02 ++Creditor +++Postal Address ++++Building Number FITo FICustomer Direct Debit V02 ++Creditor +++Postal Address ++++Post Code FITo FICustomer Direct Debit V02 ++Creditor +++Postal Address ++++Town Name FITo FICustomer Direct Debit V02 ++Creditor +++Postal Address ++++Country Sub Division FITo FICustomer Direct Debit V02 ++Creditor +++Postal Address ++++Country 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 Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 28

30 FITo FICustomer Direct Debit V02 ++Creditor +++Postal Address ++++Address Line FITo FICustomer Direct Debit V02 ++Creditor +++Identification FITo FICustomer Direct Debit V02 ++Creditor +++Country Of Residence FITo FICustomer Direct Debit V02 ++Creditor +++Contact Details FITo FICustomer Direct Debit V02 ++Creditor Account FITo FICustomer Direct Debit V02 ++Creditor Agent FITo FICustomer Direct Debit V02 ++Creditor Agent Account FITo FICustomer Direct Debit V02 ++Ultimate Creditor 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 AT-04 Account Number of the Creditor. SEPA Usage Rule(s) Mandatory Only IBAN is allowed. 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-12 BIC of the Creditor bank. SEPA Usage Rule(s) Only BIC is allowed. 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 SEPA Usage Rule(s) Mandatory if given by the Creditor in pain and must be forwarded through the payment chain up to the Debtor. Ultimate Creditor Ultimate party to which an amount of money is due. UltmtCdtr PartyIdentification32 SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 29

31 FITo FICustomer Direct Debit V02 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 FITo FICustomer Direct Debit V02 Postal Address ++Ultimate Creditor Information that locates and identifies a specific address, as defined by postal services. +++Postal Address PstlAdr PostalAddress FITo FICustomer Direct Debit V02 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 FITo FICustomer Direct Debit 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 FITo FICustomer Direct Debit 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 FITo FICustomer Direct Debit 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 FITo FICustomer Direct Debit V02 ++Ultimate Creditor +++Contact Details FITo FICustomer Direct Debit V02 ++Initiating Party Pattern [A-Z]{2,2} Contact Details Set of elements used to indicate how to contact the party. CtctDtls ContactDetails2 Initiating Party Party that initiates the payment. Usage: This can be either the creditor or a party that initiates the direct debit on behalf of the creditor. InitgPty PartyIdentification32 SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 30

32 FITo FICustomer Direct Debit V02 ++Instructing Agent FITo FICustomer Direct Debit V02 ++Instructed Agent FITo FICustomer Direct Debit V02 ++Intermediary Agent FITo FICustomer Direct Debit V02 ++Intermediary Agent 1Account FITo FICustomer Direct Debit V02 ++Intermediary Agent FITo FICustomer Direct Debit V02 ++Intermediary Agent 2Account FITo FICustomer Direct Debit V02 ++Intermediary Agent 3 SEPA Usage Rule(s) Only BIC is allowed. Instructing Agent Agent that instructs the next party in the chain to carry out the (set of) instruction(s). InstgAgt BranchAndFinancialInstitutionIdentification4 SEPA Usage Rule(s) Only BIC is allowed. Instructed Agent Agent that is instructed by the previous party in the chain to carry out the (set of) instruction(s). InstdAgt BranchAndFinancialInstitutionIdentification4 Intermediary Agent 1 Agent between the debtor's agent and the creditor's agent. Usage: If more than one intermediary agent is present, then IntermediaryAgent1 identifies the agent between the DebtorAgent and the IntermediaryAgent2. IntrmyAgt1 BranchAndFinancialInstitutionIdentification4 Intermediary Agent 1Account Unambiguous identification of the account of the intermediary agent 1 at its servicing agent in the payment chain. IntrmyAgt1Acct CashAccount16 Intermediary Agent 2 Agent between the debtor's agent and the creditor's agent. Usage: If more than two intermediary agents are present, then IntermediaryAgent2 identifies the agent between the IntermediaryAgent1 and the IntermediaryAgent3. IntrmyAgt2 BranchAndFinancialInstitutionIdentification4 Intermediary Agent 2Account Unambiguous identification of the account of the intermediary agent 2 at its servicing agent in the payment chain. IntrmyAgt2Acct CashAccount16 Intermediary Agent 3 Agent between the debtor agent and creditor agent FITo FICustomer Direct Debit V02 ++Intermediary Agent 3Account Usage: If IntermediaryAgent3 is present, then it identifies the agent between the intermediary agent 2 and the debtor agent. IntrmyAgt3 BranchAndFinancialInstitutionIdentification4 Intermediary Agent 3Account Unambiguous identification of the account of the intermediary agent 3 at its servicing agent in the payment chain. IntrmyAgt3Acct CashAccount16 SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 31

33 FITo FICustomer Direct Debit V02 ++Debtor FITo FICustomer Direct Debit V02 ++Debtor +++Name FITo FICustomer Direct Debit V02 ++Debtor +++Postal Address FITo FICustomer Direct Debit V02 ++Debtor +++Postal Address ++++Address FITo FICustomer Direct Debit V02 ++Debtor +++Postal Address ++++Department FITo FICustomer Direct Debit V02 ++Debtor +++Postal Address ++++Sub Department Debtor Party that owes an amount of money to the (ultimate) creditor. Dbtr PartyIdentification32 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 AT-09 Address of the Debtor. SEPA Usage Rule(s) Postal Address is optional but mandatory if present in DS-02. 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 SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 32

34 FITo FICustomer Direct Debit V02 Street Name Name of a street or thoroughfare. ++Debtor StrtNm +++Postal Address Max70Text ++++Street Name ISO Length SEPA Length FITo FICustomer Direct Debit V02 Building Number ++Debtor Number that identifies the position of a building on a street. +++Postal Address BldgNb ++++Building Number Max16Text ISO Length SEPA Length FITo FICustomer Direct Debit V02 Post Code ++Debtor +++Postal Address Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the sorting of mail. ++++Post Code PstCd Max16Text ISO Length SEPA Length FITo FICustomer Direct Debit V02 Town Name ++Debtor Name of a built-up area, with defined boundaries, and a local government. +++Postal Address TwnNm ++++Town Name FITo FICustomer Direct Debit V02 Country Sub Division ++Debtor Identifies a subdivision of a country such as state, region, county. +++Postal Address CtrySubDvsn ++++Country Sub Division FITo FICustomer Direct Debit V02 Country Nation with its own government. ++Debtor Ctry +++Postal Address CountryCode ++++Country Pattern [A-Z]{2,2} FITo FICustomer Direct Debit V02 SEPA Usage Rule(s) Only two occurrences are allowed. Address Line ++Debtor +++Postal Address ++++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 FITo FICustomer Direct Debit V02 AT-27 Debtor identification code. Identification ++Debtor +++Identification Unique and unambiguous identification of a party. Id Party6Choice 1..1 xs:choice SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 33

35 FITo FICustomer Direct Debit V02 ++Debtor +++Identification ++++Organisation Identification FITo FICustomer Direct Debit V02 ++Debtor +++Identification ++++Private Identification FITo FICustomer Direct Debit V02 ++Debtor +++Country Of Residence FITo FICustomer Direct Debit V02 ++Debtor +++Contact Details FITo FICustomer Direct Debit V02 ++Debtor Account FITo FICustomer Direct Debit V02 ++Debtor Agent FITo FICustomer Direct Debit V02 ++Debtor Agent Account FITo FICustomer Direct Debit V02 ++Ultimate Debtor SEPA Usage Rule(s) Either BIC or BEI or one occurrence of Other is allowed. Organisation Identification Unique and unambiguous way to identify an organisation. OrgId OrganisationIdentification4 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 AT-07 Account number of the Debtor. SEPA Usage Rule(s) Only IBAN is allowed. 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 Debtor s Bank. SEPA Usage Rule(s) Only BIC is allowed. 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 SEPA Usage Rule(s) Mandatory if given by the Creditor in pain and must be forwarded through the payment chain up to the Debtor. Ultimate Debtor Ultimate party that owes an amount of money to the (ultimate) creditor. UltmtDbtr PartyIdentification32 SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 34

36 FITo FICustomer Direct Debit V02 AT-15 Name of the Debtor Reference Party. SEPA Usage Rule(s) Name is limited to 70 characters in length. ++Ultimate Debtor Name +++Name Name by which a party is known and which is usually used to identify that party. Nm Max140Text ISO Length SEPA Length FITo FICustomer Direct Debit V02 Postal Address ++Ultimate Debtor Information that locates and identifies a specific address, as defined by postal services. +++Postal Address PstlAdr PostalAddress FITo FICustomer Direct Debit V02 AT-37 Identification code of the Debtor Reference Party. ++Ultimate Debtor Identification +++Identification Unique and unambiguous identification of a party. Id Party6Choice 1..1 xs:choice FITo FICustomer Direct Debit V02 SEPA Usage Rule(s) Either BIC or BEI or one occurrence of Other is allowed. ++Ultimate Debtor Organisation Identification +++Identification ++++Organisation Identification Unique and unambiguous way to identify an organisation. OrgId OrganisationIdentification FITo FICustomer Direct Debit V02 SEPA Usage Rule(s) Either Date and Place of Birth or one occurrence of Other is allowed. ++Ultimate Debtor Private Identification +++Identification ++++Private Identification Unique and unambiguous identification of a person, eg, passport. PrvtId PersonIdentification FITo FICustomer Direct Debit 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 FITo FICustomer Direct Debit V02 ++Ultimate Debtor +++Contact Details Pattern [A-Z]{2,2} Contact Details Set of elements used to indicate how to contact the party. CtctDtls ContactDetails2 SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 35

37 FITo FICustomer Direct Debit V02 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 FITo FICustomer Direct Debit V02 Code ++Purpose Underlying reason for the payment transaction, as published in an external purpose code list. +++Code Cd ExternalPurpose1Code ISO Length SEPA Length FITo FICustomer Direct Debit V02 Proprietary Purpose, in a proprietary form. ++Purpose Prtry +++Proprietary FITo FICustomer Direct Debit V02 Regulatory Reporting 10 ++Regulatory Reporting Information needed due to regulatory and statutory requirements. RgltryRptg RegulatoryReporting FITo FICustomer Direct Debit V02 Related Remittance Information ++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 RemittanceLocation FITo FICustomer Direct Debit V02 AT-22 Remittance information from the Creditor. ++Remittance Information 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 Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 36

38 FITo FICustomer Direct Debit V02 ++Remittance Information +++Unstructured FITo FICustomer Direct Debit V02 ++Remittance Information +++Structured n FITo FICustomer Direct Debit V02 ++Remittance Information +++Structured ++++Referred Document Information FITo FICustomer Direct Debit V02 ++Remittance Information +++Structured ++++Referred Document Amount FITo FICustomer Direct Debit V02 ++Remittance Information +++Structured ++++Creditor Reference Information FITo FICustomer Direct Debit V02 ++Remittance Information +++Structured ++++Creditor Reference Information FITo FICustomer Direct Debit V02 ++Remittance Information +++Structured ++++Creditor Reference Information Code Or Proprietary 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) Only one occurrence of Structured is allowed. SEPA Format Structured can be used, provided the tags and Rule(s) the data within the Structured element do not exceed 140 characters in length. 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 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 Debtor 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 SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 37

39 1..1 xs:choice FITo FICustomer Direct Debit V02 SEPA Usage Rule(s) Only SCOR is allowed. Code ++Remittance Information of creditor reference, in a coded form. +++Structured Cd ++++Creditor Reference Information Code Or Proprietary Code Document3Code FITo FICustomer Direct Debit V02 ++Remittance Information +++Structured ++++Creditor Reference Information Code Or Proprietary Proprietary FITo FICustomer Direct Debit V02 ++Remittance Information +++Structured ++++Creditor Reference Information Issuer FITo FICustomer Direct Debit V02 ++Remittance Information +++Structured ++++Creditor Reference Information +++++Reference SEPA Code Restrictions SCOR StructuredCommunicationReference Document is a structured communication reference provided by the creditor to identify the referred transaction. Proprietary Creditor reference type, in a proprietary form. Prtry Issuer Entity that assigns the credit reference type. Issr SEPA Usage Rule(s) If a '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. 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 SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 38

40 FITo FICustomer Direct Debit V02 ++Remittance Information +++Structured ++++Invoicer FITo FICustomer Direct Debit V02 ++Remittance Information +++Structured ++++Invoicee FITo FICustomer Direct Debit V02 ++Remittance Information +++Structured ++++Additional Remittance Information ISO Length SEPA Length 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 Additional Remittance Information Additional information, in free text form, to complement the structured remittance information. AddtlRmtInf Max140Text SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 39

41 2.2 Inter-bank Direct Debit Return/Refund of a Collection (DS-05) Use of the Payment Return (pacs ) The Payment Return is the message used to transport the direct debit return/refund instruction from the Debtor Bank to the Creditor Bank, directly or through intermediaries. If the Return Originator contains a Name, this means that the message is being used as a Refund. If the Return Originator contains a BIC, this means that the message is being used as a Return. This message caters for bulk and single direct debit return/refund instructions. This message caters for Interchange Fees in the return of a collection when agreed. Note: Attribute AT-R1 is implied by the Message Name, pacs the Original Message Name Identification, pacs Note: Message elements under the Original Transaction Reference sequence are based on DS-04 attributes. Note: The mixing of different Local Instrument values under Original Transaction Reference is not allowed in the same message. SEPA Core Direct Debit Inter-bank Implementation Guidelines Version 8.0 Approved November 2014 Page 40

42 Document Document Document 1..1 Payment Return V02 Payment Return V02 The PaymentReturn message is sent by an agent to the previous agent in the payment chain to undo a payment previously settled. PmtRtr PaymentReturnV Payment Return V02 Group Header Set of characteristics shared by all individual transactions included in the message. GrpHdr GroupHeader Payment Return 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 Payment Return V02 Creation Date Time Date and time at which the message was created. ++Creation Date Time CreDtTm Payment Return V02 ++Authorisation 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 Payment Return V02 ++Batch Booking Payment Return 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 Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 41

43 Payment Return V02 ++Control Sum Payment Return V02 ++Group Return Payment Return V02 ++Total Returned Interbank Settlement Amount Payment Return V02 ++Interbank Settlement Date Payment Return V02 ++Settlement Information Payment Return V02 ++Settlement Information +++Settlement Method Control Sum Total of all individual amounts included in the message, irrespective of currencies. CtrlSum DecimalNumber SEPA FractDigits 17 TotalDigits 18 Group Return Indicates whether the return applies to the whole group of transactions or to individual transactions within the original group(s). GrpRtr TrueFalseIndicator SEPA Usage Rule(s) Mandatory 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) Total Returned Interbank Settlement Amount Total amount of money moved between the instructing agent and the instructed agent in the return message. TtlRtrdIntrBkSttlmAmt ActiveCurrencyAndAmount SEPA FractDigits 2 TotalDigits 18 SEPA Inclusive AT-R4 Settlement Date for Return. SEPA Usage Rule(s) Mandatory 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 Settlement Information Specifies the details on how the settlement of the transaction(s) between the instructing agent and the instructed agent is completed. SttlmInf SettlementInformation13 SEPA Usage Rule(s) Only CLRG, INGA and INDA are allowed. Settlement Method Method used to settle the (batch of) payment instructions. SttlmMtd SettlementMethod1Code SEPA Code Restrictions CLRG ClearingSystem Settlement is done through a payment clearing system. INDA InstructedAgent Settlement is done by the agent instructed to execute a payment instruction. INGA InstructingAgent Settlement is done by the agent instructing and forwarding the payment to the next party in the payment chain. SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 42

44 Payment Return V02 ++Settlement Information +++Settlement Account Payment Return V02 ++Settlement Information +++Clearing System Payment Return V02 ++Settlement Information +++Instructing Reimbursement Agent Payment Return V02 ++Settlement Information +++Instructing Reimbursement Agent Account Payment Return V02 ++Settlement Information +++Instructed Reimbursement Agent Payment Return V02 ++Settlement Information +++Instructed Reimbursement Agent Account Payment Return V02 ++Settlement Information +++Third Reimbursement Agent SEPA Usage Rule(s) Only Identification is allowed. Settlement Account A specific purpose account used to post debit and credit entries as a result of the transaction. SttlmAcct CashAccount16 Clearing System Specification of a pre-agreed offering between clearing agents or the channel through which the payment instruction is processed. ClrSys ClearingSystemIdentification3Choice Instructing Reimbursement Agent Agent through which the instructing agent will reimburse the instructed agent. Usage: If InstructingAgent and InstructedAgent have the same reimbursement agent, then only InstructingReimbursementAgent must be used. InstgRmbrsmntAgt BranchAndFinancialInstitutionIdentification4 Instructing Reimbursement Agent Account Unambiguous identification of the account of the instructing reimbursement agent account at its servicing agent in the payment chain. InstgRmbrsmntAgtAcct CashAccount16 Instructed Reimbursement Agent Agent at which the instructed agent will be reimbursed. Usage: If InstructedReimbursementAgent contains a branch of the InstructedAgent, then the party in InstructedAgent will claim reimbursement from that branch/will be paid by that branch. Usage: If InstructingAgent and InstructedAgent have the same reimbursement agent, then only InstructingReimbursementAgent must be used. InstdRmbrsmntAgt BranchAndFinancialInstitutionIdentification4 Instructed Reimbursement Agent Account Unambiguous identification of the account of the instructed reimbursement agent account at its servicing agent in the payment chain. InstdRmbrsmntAgtAcct CashAccount16 Third Reimbursement Agent Agent at which the instructed agent will be reimbursed. Usage: If ThirdReimbursementAgent contains a branch of the InstructedAgent, then the party in InstructedAgent will claim reimbursement from that branch/will be paid by that branch. ThrdRmbrsmntAgt BranchAndFinancialInstitutionIdentification4 SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 43

45 Payment Return V02 ++Settlement Information +++Third Reimbursement Agent Account Payment Return V02 ++Instructing Agent Payment Return V02 ++Instructed Agent Payment Return V02 +Original Group Information Payment Return V02 +Original Group Information ++Original Message Identification Payment Return V02 +Original Group Information ++Original Message Name Identification Payment Return V02 +Original Group Information ++Original Creation Date Time n Payment Return V02 +Original Group Information ++Return Reason Information Third Reimbursement Agent Account Unambiguous identification of the account of the third reimbursement agent account at its servicing agent in the payment chain. ThrdRmbrsmntAgtAcct CashAccount16 SEPA Usage Rule(s) Only BIC is allowed. Instructing Agent Agent that instructs the next party in the chain to carry out the (set of) instruction(s). Usage: The instructing agent is the party sending the return message and not the party that sent the original instruction that is being returned. InstgAgt BranchAndFinancialInstitutionIdentification4 SEPA Usage Rule(s) Only BIC is allowed. Instructed Agent Agent that is instructed by the previous party in the chain to carry out the (set of) instruction(s). Usage: The instructed agent is the party receiving the return message and not the party that received the original instruction that is being returned. InstdAgt BranchAndFinancialInstitutionIdentification4 SEPA Usage Rule(s) Element Original Group Information must be present in either Original Group Information or in Transaction Information. Original Group Information Information concerning the original group of transactions, to which the message refers. OrgnlGrpInf OriginalGroupInformation21 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 Return Reason Information Set of elements used to provide detailed information on the return reason. RtrRsnInf ReturnReasonInformation9 SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 44

46 n Payment Return V Payment Return V02 ++Return Identification Payment Return V02 ++Original Group Information Payment Return V02 ++Original Group Information +++Original Message Identification Payment Return V02 ++Original Group Information +++Original Message Name Identification Payment Return V02 ++Original Group Information +++Original Creation Date Time Payment Return V02 ++Original Instruction Identification SEPA Usage Rule(s) Mandatory Transaction Information Information concerning the original transactions, to which the return message refers. TxInf PaymentTransactionInformation27 AT-R5 Specific Reference of the Bank Initiating the return/refund. SEPA Usage Rule(s) Mandatory Return Identification Unique identification, as assigned by an instructing party for an instructed party, to unambiguously identify the returned transaction. Usage: The instructing party is the party sending the return message and not the party that sent the original instruction that is being returned. RtrId SEPA Usage Rule(s) Element Original Group Information must be present either in Original Group Information or in Transaction Information. Original Group Information Set of elements used to provide information on the original messsage. OrgnlGrpInf OriginalGroupInformation3 Original Message Identification Point to point reference assigned by the original instructing party to unambiguously identify the original group of individual transactions. OrgnlMsgId Original Message Name Identification Specifies the original message name identifier to which the message refers, eg, pacs or MT103. OrgnlMsgNmId Original Creation Date Time Original date and time at which the message was created. OrgnlCreDtTm ISODateTime SEPA Usage Rule(s) Mandatory if provided in the original instruction. 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 Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 45

47 Payment Return V02 ++Original End To End Identification Payment Return V02 ++Original Transaction Identification Payment Return V02 ++Original Clearing System Reference Payment Return V02 ++Original Interbank Settlement Amount AT-10 Creditor s reference to the 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 AT-43 Creditor bank s reference of the Collection. SEPA Usage Rule(s) Mandatory Must contain a reference that is meaningful to the Creditor Bank and is unique over time. Original Transaction Identification Unique identification, as assigned by the original first instructing agent, to umambiguously identify the transaction. OrgnlTxId Original Clearing System Reference Unique reference, as assigned by the original clearing system, to unambiguously identify the original instruction. OrgnlClrSysRef AT-06 Amount of the Collection in euro. SEPA Usage Rule(s) Mandatory Only EUR is allowed. Amount must be 0.01 or more and or less. SEPA Format Rule(s) The fractional part has a maximum of two digits. Original Interbank Settlement Amount Amount of money, as provided in the original transaction, to be moved between the instructing agent and the instructed agent. OrgnlIntrBkSttlmAmt ActiveOrHistoricCurrencyAndAmount SEPA FractDigits 2 TotalDigits 18 SEPA Inclusive SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 46

48 Payment Return V02 ++Returned Interbank Settlement Amount Payment Return V02 ++Interbank Settlement Date Payment Return V02 ++Returned Instructed Amount Payment Return V02 ++Exchange Rate SEPA Usage Rule(s) Only EUR is allowed. Amount must be 0.01 or more and or less. Element is equal to the sum of Original Interbank Settlement Amount, 'Compensation Amount' and Amount in Charges Information. SEPA Format The fractional part has a maximum of two digits. Rule(s) Returned Interbank Settlement Amount Amount of money moved between the instructing agent and the instructed agent in the returned transaction. RtrdIntrBkSttlmAmt ActiveCurrencyAndAmount SEPA FractDigits 2 TotalDigits 18 SEPA Inclusive 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. Usage: the InterbankSettlementDate is the interbank settlement date of the return message, and not of the original instruction. IntrBkSttlmDt ISODate SEPA Usage Rule(s) Only allowed in the case an Interchange Fee is included, i.e., Amount under Charges Information is used. 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) Returned Instructed Amount Amount of money to be moved between the debtor and the creditor, before deduction of charges, in the returned transaction. RtrdInstdAmt ActiveOrHistoricCurrencyAndAmount SEPA FractDigits 2 TotalDigits 18 SEPA Inclusive SEPA FractDigits 10 TotalDigits 11 Exchange Rate Factor used to convert an amount from one currency into another. This reflects the price at which one currency was bought with another currency. XchgRate BaseOneRate SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 47

49 Payment Return V02 ++Compensation Amount Payment Return V02 ++Charge Bearer Payment Return V02 ++Charges Information Payment Return V02 ++Charges Information +++Amount Payment Return V02 ++Charges Information +++Party AT-R6 Refund compensation recovered by the Debtor bank from the Creditor bank. SEPA Usage Rule(s) Compensation Amount only applies to refunds, which is indicated by the presence of Name in Return Originator. 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) Compensation Amount Amount of money asked or paid as compensation for the processing of the instruction. CompstnAmt 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. Usage: The ChargeBearer applies to the return 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. Charges Information Provides information on the charges to be paid by the charge bearer(s) related to the processing of the return transaction. ChrgsInf ChargesInformation5 AT-R8 Amount of the Interchange Fee. 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) Amount Transaction charges to be paid by the charge bearer. Amt ActiveOrHistoricCurrencyAndAmount SEPA FractDigits 2 TotalDigits 18 SEPA Inclusive Party Party that takes the transaction charges or to which the transaction charges are due. Pty BranchAndFinancialInstitutionIdentification4 SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 48

50 Payment Return V02 ++Charges Information +++Party ++++Financial Institution Identification Payment Return V02 ++Charges Information +++Party ++++Branch Identification Payment Return V02 ++Instructing Agent Payment Return V02 ++Instructed Agent Payment Return V02 ++Return Reason Information Payment Return V02 ++Return Reason Information +++Originator AT-13 BIC of the Debtor Bank. Financial Institution Identification Unique and unambiguous identification of a financial institution, as assigned under an internationally recognised or proprietary identification scheme. FinInstnId FinancialInstitutionIdentification7 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 SEPA Usage Rule(s) Only BIC is allowed. Instructing Agent Agent that instructs the next party in the chain to carry out the (set of) instruction(s). Usage: The instructing agent is the party sending the return message and not the party that sent the original instruction that is being returned. InstgAgt BranchAndFinancialInstitutionIdentification4 SEPA Usage Rule(s) Only BIC is allowed. Instructed Agent Agent that is instructed by the previous party in the chain to carry out the (set of) instruction(s). Usage: The instructed agent is the party receiving the return message and not the party that received the original instruction that is being returned. InstdAgt BranchAndFinancialInstitutionIdentification4 SEPA Usage Rule(s) Mandatory Only one occurrence of Return Reason Information is allowed. Return Reason Information Set of elements used to provide detailed information on the return reason. RtrRsnInf ReturnReasonInformation9 AT-R2 Identification of the type of party initiating the r-message. SEPA Usage Rule(s) Mandatory Limited to BIC to identify the bank originating the return (including the refusal returned after settlement) or to 'Name' to identify the Debtor in case of refunds. Name is limited to 70 characters in length. Originator Party that issues the return. Orgtr PartyIdentification32 SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 49

51 Payment Return V02 AT-R3 Reason Code for Non-Acceptance. SEPA Usage Rule(s) Mandatory ++Return Reason Information Reason +++Reason Specifies the reason for the return. Rsn ReturnReason5Choice 1..1 xs:choice Payment Return V02 See Specifications below. Code ++Return Reason Information +++Reason Reason for the return, as published in an external reason code list. ++++Code Cd ExternalReturnReason1Code ISO Length SEPA Length Payment Return V02 Proprietary Reason for the return, in a proprietary form. ++Return Reason Information Prtry +++Reason ++++Proprietary n Payment Return V02 Additional Information Further details on the return reason. ++Return Reason Information AddtlInf +++Additional Information Max105Text ISO Length SEPA Length Payment Return V02 An exact copy of all attributes of the received DS-04 which is being returned. 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 Payment Return V02 +++Interbank Settlement Amount Payment Return V02 +++Amount SEPA FractDigits 5 TotalDigits 18 SEPA Inclusive 0.. OriginalTransactionReference13 Interbank Settlement Amount Amount of money moved between the instructing agent and the instructed agent. IntrBkSttlmAmt ActiveOrHistoricCurrencyAndAmount 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 Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 50

52 Payment Return V02 +++Interbank Settlement Date Payment Return V02 +++Requested Collection Date Payment Return V02 +++Requested Execution Date Payment Return V02 +++Creditor Scheme Identification Payment Return V02 +++Settlement Information Payment Return V02 +++Payment Information Payment Return V02 +++Payment Method AT-26 Settlement date of the Collection. 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 Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 51

53 Payment Return V02 +++Mandate Related Information Payment Return V02 +++Remittance Information Payment Return V02 +++Ultimate Debtor Payment Return V02 +++Debtor Payment Return V02 +++Debtor Account Payment Return V02 +++Debtor Agent AT-01 Unique Mandate reference. AT-16 Placeholder for the electronic signature data, if applicable. AT-17 The type of Mandate (paper or 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. 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. Debtor Agent Financial institution servicing an account for the debtor. DbtrAgt BranchAndFinancialInstitutionIdentification4 SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 52

54 Payment Return V02 +++Debtor Agent Account Payment Return V02 +++Creditor Agent Payment Return V02 +++Creditor Agent Account Payment Return V02 +++Creditor Payment Return V02 +++Creditor Account Payment Return V02 +++Ultimate Creditor 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. 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 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 Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 53

55 2.2.2 Specifications The reasons for an inter-bank Return specified in the Rulebook are mapped to the ISO codes as follows: 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/transaction code/sequence type BE05 UnrecognisedInitiatingParty Identifier of the Creditor incorrect FF05 InvalidLocalInstrumentCode Direct Debit type incorrect MD01 NoMandate No valid Mandate 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 Missing MissingDebtorNameOrAddress Regulatory Reason RR03 MissingCreditorNameOrAddress Regulatory Reason RR04 RegulatoryReason Regulatory Reason SL01 DueToSpecificServiceOfferedByDebtor Agent Specific Service offered by the Debtor Bank. The reasons for an inter-bank Refund specified in the Rulebook are mapped to the ISO codes as follows: ISO Code SEPA Reason as specified in the Rulebook MD01 NoMandate Unauthorised transaction MD06 RefundRequestByEndCustomer Disputed authorised transaction SEPA Core Direct Debit Inter-bank Implementation Guidelines Version 8.0 Approved - November 2014 Page 54

56 2.3 Inter-bank Direct Debit Reject Dataset (DS-05) Use of the FI to FI Payment Status Report (pacs ) When the code RJCT is used in Status Reason the message transports the Direct Debit Rejection instruction between banks, directly or through intermediaries. The message caters for bulk and single reject instructions. Note: Attribute AT-R1 in DS-05 is implied by the Message Name, pacs , the Original Message Name Identification, pacs and Status set to RJCT. Note: Attribute AT-R4 Settlement Date for the Reject, Return or Refund is not applicable. Note: Message elements under Original Transaction Reference sequence are based on DS- 04 attributes. SEPA Core Direct Debit Inter-bank Implementation Guidelines Version 8.0 Approved November 2014 Page 55

57 Document Document Document 1..1 FITo FIPayment Status Report V03 FITo FIPayment Status Report V03 The PaymentInitiationStatusReport 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. FIToFIPmtStsRpt FIToFIPaymentStatusReportV FITo FIPayment Status Report V03 Group Header Set of characteristics shared by all individual transactions included in the status report message. GrpHdr GroupHeader FITo FIPayment Status Report V03 AT-R5 Specific reference of the bank which initiated the Rejection. ++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 FITo FIPayment Status Report V03 Creation Date Time Date and time at which the message was created. ++Creation Date Time CreDtTm ISODateTime FITo FIPayment Status Report V03 SEPA Usage Rule(s) Only BIC is allowed. Instructing Agent ++Instructing Agent Agent that instructs the next party in the chain to carry out the (set of) instruction(s) FITo FIPayment Status Report V03 ++Instructed Agent Usage: The instructing agent is the party sending the status message and not the party that sent the original instruction that is being reported on. InstgAgt BranchAndFinancialInstitutionIdentification4 SEPA Usage Rule(s) Only BIC is allowed. Instructed Agent Agent that is instructed by the previous party in the chain to carry out the (set of) instruction(s) FITo FIPayment Status Report V03 +Original Group Information And Status Usage: The instructed agent is the party receiving the status message and not the party that received the original instruction that is being reported on. InstdAgt BranchAndFinancialInstitutionIdentification4 Original Group Information And Status Original group information concerning the group of transactions, to which the status report message refers to. OrgnlGrpInfAndSts OriginalGroupInformation20 SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 56

58 FITo FIPayment Status Report V03 +Original Group Information And Status ++Original Message Identification FITo FIPayment Status Report V03 +Original Group Information And Status ++Original Message Name Identification FITo FIPayment Status Report V03 +Original Group Information And Status ++Original Creation Date Time FITo FIPayment Status Report V03 +Original Group Information And Status ++Original Number Of Transactions FITo FIPayment Status Report V03 +Original Group Information And Status ++Original Control Sum FITo FIPayment Status Report V03 +Original Group Information And Status ++Group Status FITo FIPayment Status Report V03 +Original Group Information And Status ++Status Reason Information 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 AT-R1 of R Message. SEPA Usage Rule(s) Only RJCT and PART are allowed. Group Status Specifies the status of a group of transactions. GrpSts TransactionGroupStatus3Code SEPA Code Restrictions PART PartiallyAccepted A number of transactions have been accepted, whereas another number of transactions have not yet achieved 'accepted' status. RJCT Rejected Payment initiation or individual transaction included in the payment initiation has been rejected. SEPA Usage Rule(s) Only one occurrence of Status Reason Information is allowed. Status Reason Information must be present either in Original Group 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 Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 57

59 FITo FIPayment Status Report V03 +Original Group Information And Status ++Status Reason Information +++Originator FITo FIPayment Status Report V03 +Original Group Information And Status ++Status Reason Information +++Reason AT-R2 Identification of the of Party that initiated the reject. SEPA Usage Rule(s) Mandatory Limited to BIC to identify the Bank or CSM originating the status or to Name to indicate the CSM when it has no BIC. Name is limited to 70 characters in length. Originator Party that issues the status. Orgtr PartyIdentification32 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 FITo FIPayment Status Report V03 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 FITo FIPayment Status Report V03 Proprietary +Original Group Information And Status Reason for the status, in a proprietary form. ++Status Reason Information Prtry +++Reason ++++Proprietary n FITo FIPayment Status Report V03 Additional Information +Original Group 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 FITo FIPayment Status Report V03 +Original Group Information And Status ++Number Of Transactions Per Status n FITo FIPayment Status Report V03 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 Information concerning the original transactions, to which the status report message refers. TxInfAndSts PaymentTransactionInformation26 SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 58

60 FITo FIPayment Status Report V03 And Status ++Status Identification FITo FIPayment Status Report V03 And Status ++Original Instruction Identification FITo FIPayment Status Report V03 And Status ++Original End To End Identification FITo FIPayment Status Report V03 And Status ++Original Transaction Identification FITo FIPayment Status Report V03 And Status ++Transaction Status AT-R5 Specific reference of the bank that initiated the reject. SEPA Usage Rule(s) Mandatory 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 SEPA Usage Rule(s) Mandatory if provided in the original instruction. Original Instruction Identification Unique identification, as assigned by the original instructing party for the original instructed party, to unambiguously identify the original instruction. OrgnlInstrId AT-10 Creditor s reference of the 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 AT-43 Creditor Bank s reference of the Collection. SEPA Usage Rule(s) Mandatory Must contain a reference that is unique over time. Original Transaction Identification Unique identification, as assigned by the original first instructing agent, to unambiguously identify the transaction. OrgnlTxId AT-R1 of R message. SEPA Usage Rule(s) Only RJCT is allowed. 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 Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 59

61 FITo FIPayment Status Report V03 And Status ++Status Reason Information FITo FIPayment Status Report V03 And Status ++Status Reason Information +++Originator FITo FIPayment Status Report V03 And Status ++Status Reason Information +++Reason SEPA Usage Rule(s) Only one occurrence is allowed. Status Reason Information must be present either in Original Group 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 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 to Name to indicate the Debtor or CSM when it has no BIC. Name is limited to 70 characters in length. Originator Party that issues the status. Orgtr PartyIdentification32 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 FITo FIPayment Status Report V03 See Specifications below. 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 FITo FIPayment Status Report V03 Proprietary And Status Reason for the status, in a proprietary form. ++Status Reason Information Prtry +++Reason ++++Proprietary n FITo FIPayment Status Report V03 Additional Information And Status ++Status Reason Information +++Additional Information Further details on the status reason. AddtlInf Max105Text ISO Length SEPA Length Usage: Additional information can be used for several purposes such as the reporting of repaired information. SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 60

62 FITo FIPayment Status Report V03 And Status ++Charges Information FITo FIPayment Status Report V03 And Status ++Charges Information +++Amount FITo FIPayment Status Report V03 And Status ++Charges Information +++Party FITo FIPayment Status Report V03 And Status ++Charges Information +++Party ++++Financial Institution Identification FITo FIPayment Status Report V03 And Status ++Charges Information +++Party ++++Branch Identification FITo FIPayment Status Report V03 And Status ++Acceptance Date Time SEPA Usage Rule(s) Only one occurrence is allowed. 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 AT-R8 Amount of the Interchange Fee. 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) Amount Transaction charges to be paid by the charge bearer. Amt ActiveOrHistoricCurrencyAndAmount SEPA FractDigits 2 TotalDigits 18 SEPA Inclusive Party Party that takes the transaction charges or to which the transaction charges are due. Pty BranchAndFinancialInstitutionIdentification4 AT-13 BIC of the Debtor Bank. SEPA Usage Rule(s) Only BIC is allowed. Financial Institution Identification Unique and unambiguous identification of a financial institution, as assigned under an internationally recognised or proprietary identification scheme. FinInstnId FinancialInstitutionIdentification7 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 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 Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 61

63 FITo FIPayment Status Report V03 And Status ++Account Servicer Reference FITo FIPayment Status Report V03 And Status ++Clearing System Reference FITo FIPayment Status Report V03 And Status ++Instructing Agent FITo FIPayment Status Report V03 And Status ++Instructed Agent FITo FIPayment Status Report V03 And Status FITo FIPayment Status Report V03 And Status +++Interbank Settlement Amount 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 Usage Rule(s) Only BIC is allowed. Instructing Agent Agent that instructs the next party in the chain to carry out the (set of) instruction(s). Usage: The instructing agent is the party sending the status message and not the party that sent the original instruction that is being reported on. InstgAgt BranchAndFinancialInstitutionIdentification4 SEPA Usage Rule(s) Only BIC is allowed. Instructed Agent Agent that is instructed by the previous party in the chain to carry out the (set of) instruction(s). Usage: The instructed agent is the party receiving the status message and not the party that received the original instruction that is being reported on. InstdAgt BranchAndFinancialInstitutionIdentification4 An exact copy of all attributes of the received DS-04 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.. Original Transaction Reference Set of key elements used to identify the original transaction that is being referred to. OrgnlTxRef OriginalTransactionReference13 AT-06 Amount of the Collection in euro. Interbank Settlement Amount Amount of money moved between the instructing agent and the instructed agent. IntrBkSttlmAmt ActiveOrHistoricCurrencyAndAmount SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 62

64 FITo FIPayment Status Report V03 And Status +++Amount FITo FIPayment Status Report V03 And Status +++Interbank Settlement Date FITo FIPayment Status Report V03 And Status +++Requested Collection Date FITo FIPayment Status Report V03 And Status +++Requested Execution Date FITo FIPayment Status Report V03 And Status +++Creditor Scheme Identification FITo FIPayment Status Report V03 And Status +++Settlement Information FITo FIPayment Status Report V03 And Status +++Payment Information FITo FIPayment Status Report V03 And Status +++Payment Method 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 AT-26 Settlement date of the Collection. 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 Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 63

65 FITo FIPayment Status Report V03 And Status +++Mandate Related Information FITo FIPayment Status Report V03 And Status +++Remittance Information FITo FIPayment Status Report V03 And Status +++Ultimate Debtor FITo FIPayment Status Report V03 And Status +++Debtor FITo FIPayment Status Report V03 And Status +++Debtor Account FITo FIPayment Status Report V03 And Status +++Debtor Agent AT-01 Unique Mandate reference. AT-16 Placeholder for the electronic signature, if applicable. AT-17 The type of Mandate (paper or 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. Debtor Agent Financial institution servicing an account for the debtor. DbtrAgt BranchAndFinancialInstitutionIdentification4 SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 64

66 FITo FIPayment Status Report V03 And Status +++Debtor Agent Account FITo FIPayment Status Report V03 And Status +++Creditor Agent FITo FIPayment Status Report V03 And Status +++Creditor Agent Account FITo FIPayment Status Report V03 And Status +++Creditor FITo FIPayment Status Report V03 And Status +++Creditor Account FITo FIPayment Status Report V03 And Status +++Ultimate Creditor 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. 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 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 Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 65

67 2.3.2 Specifications The reasons for an inter-bank reject specified in the Rulebook are mapped to the ISO codes as follows: 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/transaction code/sequence type 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 MD01 NoMandate No valid 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 Agent Specific Service offered by the Debtor Bank. 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 Inter-bank Implementation Guidelines Version 8.0 Approved November 2014 Page 66

68 2.4 Inter-bank Reversal Instruction for a Collection (DS-07) Use of the Payment Reversal (pacs ) The message is used to transport the Inter-bank Reversal Instruction for a Collection sent by the Creditor bank to the Debtor bank, directly or through intermediaries. The message caters for bulk and single reversal instructions. Note: Attribute AT-R1 in DS-07 is indicated by the Message Name, pacs and the Original Message Name Identification, pacs Note: Attribute AT-R2 is indicated by the combination of the Reversal Originator with the Reversal Reason. Note: Original message elements are based on DS-04 attributes. SEPA Core Direct Debit Inter-bank Implementation Guidelines Version 8.0 Approved November 2014 Page 67

69 Document Document Document 1..1 FITo FIPayment Reversal V02 FITo FIPayment Reversal V02 The FIToFIPaymentReversal message is sent by an agent to the next party in the payment chain. It is used to reverse a payment previously executed. FIToFIPmtRvsl FIToFIPaymentReversalV FITo FIPayment Reversal V02 Group Header Set of characteristics shared by all individual transactions included in the message. GrpHdr GroupHeader FITo FIPayment Reversal 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 FITo FIPayment Reversal V02 Creation Date Time Date and time at which the message was created. ++Creation Date Time CreDtTm FITo FIPayment Reversal V02 ++Authorisation 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 FITo FIPayment Reversal V02 ++Batch Booking FITo FIPayment Reversal 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 Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 68

70 FITo FIPayment Reversal V02 ++Control Sum FITo FIPayment Reversal V02 ++Group Reversal FITo FIPayment Reversal V02 ++Total Reversed Interbank Settlement Amount FITo FIPayment Reversal V02 ++Interbank Settlement Date FITo FIPayment Reversal V02 ++Settlement Information FITo FIPayment Reversal V02 ++Settlement Information +++Settlement Method Control Sum Total of all individual amounts included in the message, irrespective of currencies. CtrlSum DecimalNumber SEPA FractDigits 17 TotalDigits 18 SEPA Usage Rule(s) Mandatory Only false is allowed. Group Reversal Indicates whether the reversal applies to the whole group of transactions or to individual transactions within the original group. GrpRvsl TrueFalseIndicator AT-44 Amount of the reversal in euro. SEPA Usage Rule(s) Mandatory 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) Total Reversed Interbank Settlement Amount Total amount of money moved between the instructing agent and the instructed agent in the reversal message. TtlRvsdIntrBkSttlmAmt ActiveCurrencyAndAmount SEPA FractDigits 2 TotalDigits 18 SEPA Inclusive AT-R4- Settlement Date for the reversal instruction. SEPA Usage Rule(s) Mandatory 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 Settlement Information Specifies the details on how the settlement of the transaction(s) between the instructing agent and the instructed agent is completed. SttlmInf SettlementInformation13 Only CLRG, INGA and INDA are allowed. Settlement Method Method used to settle the (batch of) payment instructions. SttlmMtd SettlementMethod1Code SEPA Code Restrictions CLRG ClearingSystem Settlement is done through a payment clearing system. INDA InstructedAgent Settlement is done by the agent instructed to execute a payment instruction. SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 69

71 FITo FIPayment Reversal V02 ++Settlement Information +++Settlement Account FITo FIPayment Reversal V02 ++Settlement Information +++Clearing System FITo FIPayment Reversal V02 ++Settlement Information +++Instructing Reimbursement Agent FITo FIPayment Reversal V02 ++Settlement Information +++Instructing Reimbursement Agent Account FITo FIPayment Reversal V02 ++Settlement Information +++Instructed Reimbursement Agent FITo FIPayment Reversal V02 ++Settlement Information +++Instructed Reimbursement Agent Account FITo FIPayment Reversal V02 ++Settlement Information +++Third Reimbursement Agent SEPA Code Restrictions INGA InstructingAgent Settlement is done by the agent instructing and forwarding the payment to the next party in the payment chain. Only Identification is allowed. Settlement Account A specific purpose account used to post debit and credit entries as a result of the transaction. SttlmAcct CashAccount16 Clearing System Specification of a pre-agreed offering between clearing agents or the channel through which the payment instruction is processed. ClrSys ClearingSystemIdentification3Choice Instructing Reimbursement Agent Agent through which the instructing agent will reimburse the instructed agent. Usage: If InstructingAgent and InstructedAgent have the same reimbursement agent, then only InstructingReimbursementAgent must be used. InstgRmbrsmntAgt BranchAndFinancialInstitutionIdentification4 Instructing Reimbursement Agent Account Unambiguous identification of the account of the instructing reimbursement agent account at its servicing agent in the payment chain. InstgRmbrsmntAgtAcct CashAccount16 Instructed Reimbursement Agent Agent at which the instructed agent will be reimbursed. Usage: If InstructedReimbursementAgent contains a branch of the InstructedAgent, then the party in InstructedAgent will claim reimbursement from that branch/will be paid by that branch. Usage: If InstructingAgent and InstructedAgent have the same reimbursement agent, then only InstructingReimbursementAgent must be used. InstdRmbrsmntAgt BranchAndFinancialInstitutionIdentification4 Instructed Reimbursement Agent Account Unambiguous identification of the account of the instructed reimbursement agent account at its servicing agent in the payment chain. InstdRmbrsmntAgtAcct CashAccount16 Third Reimbursement Agent Agent at which the instructed agent will be reimbursed. Usage: If ThirdReimbursementAgent contains a branch of the InstructedAgent, then the party in InstructedAgent will claim reimbursement from that branch/will be paid by that branch. ThrdRmbrsmntAgt BranchAndFinancialInstitutionIdentification4 SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 70

72 FITo FIPayment Reversal V02 ++Settlement Information +++Third Reimbursement Agent Account FITo FIPayment Reversal V02 ++Instructing Agent FITo FIPayment Reversal V02 ++Instructed Agent FITo FIPayment Reversal V02 +Original Group Information FITo FIPayment Reversal V02 +Original Group Information ++Original Message Identification FITo FIPayment Reversal V02 +Original Group Information ++Original Message Name Identification FITo FIPayment Reversal V02 +Original Group Information ++Original Creation Date Time Third Reimbursement Agent Account Unambiguous identification of the account of the third reimbursement agent account at its servicing agent in the payment chain. ThrdRmbrsmntAgtAcct CashAccount16 SEPA Usage Rule(s) Only BIC is allowed. Instructing Agent Agent that instructs the next party in the chain to carry out the (set of) instruction(s). Usage: The instructing agent is the party sending the reversal message and not the party that sent the original instruction that is being reversed. InstgAgt BranchAndFinancialInstitutionIdentification4 SEPA Usage Rule(s) Only BIC is allowed. Instructed Agent Agent that is instructed by the previous party in the chain to carry out the (set of) instruction(s). Usage: The instructed agent is the party receiving the reversal message and not the party that received the original instruction that is being reversed. InstdAgt 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 Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 71

73 FITo FIPayment Reversal V02 +Original Group Information ++Reversal Reason Information FITo FIPayment Reversal V02 +Original Group Information ++Reversal Reason Information +++Originator FITo FIPayment Reversal V02 +Original Group Information ++Reversal Reason Information +++Reason SEPA Usage Rule(s) Reversal Reason Information must be present either in Original Group Information or Transaction Information. Reversal Reason Information is to be used to indicate reversal reason of one or more individual transactions. Only one occurrence of Reversal Reason Information is allowed. Reversal Reason Information Set of elements used to provide detailed information on the reversal reason. RvslRsnInf ReversalReasonInformation6 AT-R2 Identification of the type of party that initiated the reversal. SEPA Usage Rule(s) Originator must be present either in Original Group Information or Transaction Information. Name is limited to 70 characters in length. Limited to BIC (for the Creditor Bank) or 'Name' (for the Creditor). Originator Party that issues the reversal. Orgtr PartyIdentification32 AT-31 Reason Code for Reversal. SEPA Usage Rule(s) Reason must be present either in Original Group Information or Transaction Information. Reason Specifies the reason for the reversal. Rsn ReversalReason4Choice 1..1 xs:choice FITo FIPayment Reversal V02 See Specifications Below. +Original Group Information Code ++Reversal Reason Information +++Reason Reason for the reversal, as published in an external reason code list. ++++Code Cd ExternalReversalReason1Code ISO Length SEPA Length FITo FIPayment Reversal V02 Proprietary +Original Group Information Reason for the reversal, in a proprietary form. ++Reversal Reason Information Prtry +++Reason ++++Proprietary n FITo FIPayment Reversal V02 Additional Information +Original Group Information Further details on the reversal reason. ++Reversal Reason Information AddtlInf +++Additional Information Max105Text ISO Length SEPA Length n FITo FIPayment Reversal V02 SEPA Usage Rule(s) Mandatory Transaction Information Information concerning the original transactions, to which the reversal message refers. TxInf PaymentTransactionInformation29 SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 72

74 FITo FIPayment Reversal V02 ++Reversal Identification FITo FIPayment Reversal V02 ++Original Instruction Identification FITo FIPayment Reversal V02 ++Original End To End Identification FITo FIPayment Reversal V02 ++Original Transaction Identification FITo FIPayment Reversal V02 ++Original Clearing System Reference AT-R7 Specific reference of the Creditor Bank for the reversal. SEPA Usage Rule(s) Mandatory Must contain a reference that is meaningful to the Creditor Bank. Reversal 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 SEPA Usage Rule(s) Mandatory if provided in the original instruction. Original Instruction Identification Unique identification, as assigned by the original instructing party for the original instructed party, to unambiguously identify the original instruction. OrgnlInstrId AT-10 Creditor s reference to 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 AT-43 Creditor Bank Reference of the collection. SEPA Usage Rule(s) Mandatory Must contain a reference that is meaningful to the Creditor Bank and is unique over time. Original Transaction Identification Unique identification, as assigned by the original first instructing agent, to umambiguously identify the transaction. OrgnlTxId Original Clearing System Reference Unique reference, as assigned by the original clearing system, to unambiguously identify the original instruction. OrgnlClrSysRef SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 73

75 FITo FIPayment Reversal V02 ++Original Interbank Settlement Amount FITo FIPayment Reversal V02 ++Reversed Interbank Settlement Amount FITo FIPayment Reversal V02 ++Interbank Settlement Date 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 Interbank Settlement Amount Amount of money, as provided in the original transaction, to be moved between the instructing agent and the instructed agent. OrgnlIntrBkSttlmAmt ActiveOrHistoricCurrencyAndAmount SEPA FractDigits 2 TotalDigits 18 SEPA Inclusive AT-44 Amount of the reversal in euro. SEPA Usage Rule(s) Reversed Interbank Settlement Amount must be the same as the Amount of the Collection (AT-06) plus any charges. 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 Interbank Settlement Amount Amount of money moved between the instructing agent and the instructed agent in the reversed transaction. RvsdIntrBkSttlmAmt ActiveCurrencyAndAmount SEPA FractDigits 2 TotalDigits 18 SEPA Inclusive 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. Usage: The InterbankSettlementDate is the interbank settlement date of the reversal message, and not of the original instruction. IntrBkSttlmDt ISODate SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 74

76 FITo FIPayment Reversal V02 ++Reversed Instructed Amount FITo FIPayment Reversal V02 ++Exchange Rate FITo FIPayment Reversal V02 ++Compensation Amount FITo FIPayment Reversal V02 ++Charge Bearer FITo FIPayment Reversal V02 ++Charges Information SEPA Usage Rule(s) Only allowed in the case an Interchange Fee is included, i.e., Amount under Charges Information is used. 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 Exchange Rate Factor used to convert an amount from one currency into another. This reflects the price at which one currency was bought with another currency. XchgRate BaseOneRate SEPA FractDigits 10 TotalDigits 11 Compensation Amount Amount of money asked or paid as compensation for the processing of the instruction. CompstnAmt ActiveOrHistoricCurrencyAndAmount SEPA FractDigits 5 TotalDigits 18 SEPA Inclusive 0.. 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. Charges Information Provides information on the charges to be paid by the charge bearer(s) related to the processing of the reversal transaction. ChrgsInf ChargesInformation5 SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 75

77 FITo FIPayment Reversal V02 ++Charges Information +++Amount FITo FIPayment Reversal V02 ++Charges Information +++Party FITo FIPayment Reversal V02 ++Charges Information +++Party ++++Financial Institution Identification FITo FIPayment Reversal V02 ++Charges Information +++Party ++++Branch Identification FITo FIPayment Reversal V02 ++Instructing Agent FITo FIPayment Reversal V02 ++Instructed Agent AT-R8 Amount of the Interchange Fee. 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) Amount Transaction charges to be paid by the charge bearer. Amt ActiveOrHistoricCurrencyAndAmount SEPA FractDigits 2 TotalDigits 18 SEPA Inclusive Party Party that takes the transaction charges or to which the transaction charges are due. Pty BranchAndFinancialInstitutionIdentification4 AT-13 BIC of the Debtor Bank. SEPA Usage Rule(s) Only BIC is allowed. Financial Institution Identification Unique and unambiguous identification of a financial institution, as assigned under an internationally recognised or proprietary identification scheme. FinInstnId FinancialInstitutionIdentification7 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 SEPA Usage Rule(s) Only BIC is allowed. Instructing Agent Agent that instructs the next party in the chain to carry out the (set of) instruction(s). Usage: The instructing agent is the party sending the reversal message and not the party that sent the original instruction that is being reversed. InstgAgt BranchAndFinancialInstitutionIdentification4 SEPA Usage Rule(s) Only BIC is allowed. Instructed Agent Agent that is instructed by the previous party in the chain to carry out the (set of) instruction(s). Usage: The instructed agent is the party receiving the reversal message and not the party that received the original instruction that is being reversed. InstdAgt BranchAndFinancialInstitutionIdentification4 SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 76

78 FITo FIPayment Reversal V02 ++Reversal Reason Information FITo FIPayment Reversal V02 ++Reversal Reason Information +++Originator FITo FIPayment Reversal V02 ++Reversal Reason Information +++Reason SEPA Usage Rule(s) Reversal Reason Information must be present either in Original Group Information or Transaction Information. Reversal Reason Information is to be used to indicate a reversal reason of the individual transaction. Only one occurrence of Reversal Reason Information is allowed. Reversal Reason Information Set of elements used to provide detailed information on the reversal reason. RvslRsnInf ReversalReasonInformation6 AT-R2 Identification of the type of party that initiated the reversal. SEPA Usage Rule(s) Originator must be present either in Original Group Information or Transaction Information. Name is limited to 70 characters in length. Limited to BIC (for the Creditor Bank) or 'Name' (for the Creditor). Originator Party that issues the reversal. Orgtr PartyIdentification32 SEPA Usage Rule(s) Reason must be present either in Original Group Information or Transaction Information. Reason Specifies the reason for the reversal. Rsn ReversalReason4Choice 1..1 xs:choice FITo FIPayment Reversal V02 AT-31 Reason Code for Reversal. See Specifications below. ++Reversal Reason Information Code +++Reason ++++Code Reason for the reversal, as published in an external reason code list. Cd ExternalReversalReason1Code ISO Length SEPA Length FITo FIPayment Reversal V02 Proprietary Reason for the reversal, in a proprietary form. ++Reversal Reason Information Prtry +++Reason ++++Proprietary n FITo FIPayment Reversal V02 Additional Information Further details on the reversal reason. ++Reversal Reason Information AddtlInf +++Additional Information Max105Text ISO Length SEPA Length SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 77

79 FITo FIPayment Reversal V FITo FIPayment Reversal V02 +++Interbank Settlement Amount FITo FIPayment Reversal V02 +++Amount FITo FIPayment Reversal V02 +++Interbank Settlement Date FITo FIPayment Reversal V02 +++Requested Collection Date FITo FIPayment Reversal V02 +++Requested Execution Date FITo FIPayment Reversal V02 +++Creditor Scheme Identification An exact copy of all attributes of the received DS-04 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 AT-26 Settlement date of the Collection. 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 SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 78

80 FITo FIPayment Reversal V02 +++Settlement Information FITo FIPayment Reversal V02 +++Payment Information FITo FIPayment Reversal V02 +++Payment Method FITo FIPayment Reversal V02 +++Mandate Related Information FITo FIPayment Reversal V02 +++Remittance Information FITo FIPayment Reversal V02 +++Ultimate Debtor 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, if applicable. AT-17 The type of Mandate (paper or 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 SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 79

81 FITo FIPayment Reversal V02 +++Debtor FITo FIPayment Reversal V02 +++Debtor Account FITo FIPayment Reversal V02 +++Debtor Agent FITo FIPayment Reversal V02 +++Debtor Agent Account FITo FIPayment Reversal V02 +++Creditor Agent FITo FIPayment Reversal V02 +++Creditor Agent Account FITo FIPayment Reversal V02 +++Creditor FITo FIPayment Reversal V02 +++Creditor Account 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. 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. 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 SEPA Core Direct Debit Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 80

82 FITo FIPayment Reversal V02 +++Ultimate Creditor 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 Interbank Implementation Guidelines Version 8.0 Approved November 2014 Page 81

83 2.4.2 Specifications Reasons for an inter-bank reversal present in the Rulebook are mapped to the ISO codes as follows: ISO Code SEPA Reason as specified in the Rulebook AM05 Duplication Duplicate entry MS02 NotSpecifiedReasonCustomerGenerated Reason not specified MS03 NotSpecifiedReasonAgentGenerated Reason not specified SEPA Core Direct Debit Inter-bank Implementation Guidelines Version 8.0 Approved November 2014 Page 82

84 List of changes in Core Direct Debit Interbank Implementation Guidelines Relative to v7.0 (This list is for information the changes 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 by the SPS WG in Guidelines 6. Column six contains the type of change: TYPO: Typing and layout errors CLAR: Clarification of the text CHAN: Change in or further alignment with the 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/ FITo FICustomer Direct Debit V02 ++Payment Information +++Local Instrument ++++Code Pre-notice added that D-1 will be the standard timeline as of November 2016 (Rulebook 9.0). ACC CLAR 14/ FITo FICustomer Direct Debit V02 ++Payment Information +++Sequence 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 SEPA Core Direct Debit Inter-bank Implementation Guidelines Version 8.0 Approved November 2014 Page 83

85 N # Section / Description Status 14/ FITo FICustomer Direct Debit V02 +Direct Debit Transaction Information ++Payment Information +++Local Instrument ++++Code 14/ FITo FICustomer Direct Debit V02 +Direct Debit TransactionInformation ++Payment Information +++Sequence 14/ FITo FICustomer Direct Debit V02 +Direct Debit Transaction Information +++Mandate Related Information ++++Amendment Information Details 14/ FITo FICustomer Direct Debit V02 +Direct Debit Transaction Information +++Mandate Related Information ++++Amendment Information Details +++++Original Creditor Scheme Identification 14/ FITo FICustomer Direct Debit V02 +Direct Debit Transaction Information +++Mandate Related Information ++++Amendment Information Details +++++Original Debtor Account 14/ FITo FICustomer Direct Debit V02 +Direct Debit Transaction Information +++Mandate Related Information ++++Amendment Information Details +++++Original Debtor Agent 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 Updated text (in bold): The reason from the Rulebook is indicated by using one of the following message sub-elements. ACC CHAN Updated Usage Rule (bold text): Mandatory if changes occur in Creditor Scheme Identification and/or Name, otherwise not to be used. Deleted Usage Rule: AT-18 Identifier of the Original Creditor who issues the Mandate. (Note: This Usage Rule is already present in element pacs.003 aligned to pain.008) ACC CLAR Deleted Usage Rule : Mandatory if changes occur in Debtor Account, otherwise not to be used. (Note: pacs.003 aligned to pain.008) 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). Until then, the code SMNDA must still be used with sequence type FRST. ACC CLAR 14/ FITo FICustomer Direct Debit V02 +Direct Debit Transaction Information ++Remittance Information +++Unstructured Update (bold text): Format Usage Rule: Only one occurrence of Structured is allowed ACC TYPO FITo FICustomer Direct Debit V02 +Direct Debit Transaction Information ++Remittance Information +++Structured SEPA Core Direct Debit Inter-bank Implementation Guidelines Version 8.0 Approved November 2014 Page 84

86 N # Section / Description Status 14/ Payment Return V02 ++Return Reason Information +++Originator Added bold text to the Usage Rule, as follows: Limited to BIC to identify the bank originating the return (including the refusal returned after settlement) or to 'Name' to identify the Debtor in case of refunds. ACC CHAN 14/ FITo FIPayment Reversal V02 +Original Group Information ++Reversal Reason Information +++Originator Added Usage Rule: Limited to BIC (for the Creditor Bank) or 'Name' (for the Creditor). ACC CLAR 14/ FITo FIPayment Reversal V02 ++Reversal Reason Information +++Originator Added Usage Rule : Limited to BIC (for the Creditor Bank) or 'Name' (for the Creditor). ACC CLAR 14/17 N/A & Specifications ISO code AG02 Invalid Bank Operation Code The current SEPA reason code description updated as follows (updates in 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.) 14/18 N/A Specifications ISO codes CNOR Creditor bank is not registered under this BIC in the CSM and DNOR Debtor bank is not registered under this BIC in the CSM were removed from the list of reasons for interbank returns. (Note: This was an erratum to the 2014 IGs.) ACC CLAR SEPA Core Direct Debit Inter-bank Implementation Guidelines Version 8.0 Approved November 2014 Page 85