How To Create A Credit Card From A Creditcard In A Microsoft Web Server On A Microsql Web Server

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1 Appendix to Danish Message Implementation Guideline for Common Global Implementation (CGI) Customer Credit Transfer Initiation and Danish Implementation Guideline for CGI Customer Payment Status Report October 4th 2013 FINAL VERSION Page 1 of 74

2 Table of Contents INTRODUCTION 3 DANISH PAYMENT EXAMPLES 6 Denmark, Direct Credit With Advice On Statement (former UDUS 356 Transfer) 6 Denmark, Direct Credit With Advice On Statement (RF Creditor Reference) 11 Denmark, Payment Slip With Advice (Giro Payment Slip - GIK 01) 15 Denmark, Payment Slip (OCR) (Giro Payment Slip - GIK 04) 19 Denmark, Payment Slip (OCR) (Giro Payment Slip - GIK 15) 23 Denmark, Payment Slip (OCR) (Payment Slip - FIK 71) 28 Denmark, Payment Slip (OCR) (Payment Slip - FIK 73) 32 Denmark, Payment Slip (OCR) (Payment Slip - FIK 75) 36 Denmark, Payment to EasyAccount (NKS) With (CVR) 40 Denmark, Payment to EasyAccount (NKS) With (CPR) 45 Denmark, Domestic Cheque 50 CROSS BORDER PAYMENT 54 Cross Border SEPA Payment 54 Cross Border non-sepa Payment 58 Cross Border Urgent Payment 62 DANISH CUSTOMER STATUS REPORT EXAMPLES 66 Status on a Group - Reject (Message) 67 Status on a Debit Entry - Reject (PaymentInformation) 69 Status on a Credit Entry - Reject (EndToEnd) 71 Status on a Credit Entry - Accepted (EndToEnd) 73 Page 2 of 74

3 INTRODUCTION This document contains descriptions and examples for payment types included in the Danish CGI MIGs for Customer Credit Transfer Initiation and Customer Payment Status Report. For each example, a table is presented, which describes significant data elements for each type of payment. In general these elements are Mandatory. The message examples are enclosed below each table. The ISO XML messages allow for the full range of global language requirements (UTF-8). Banks and their customers must be able to support the Latin character set commonly used in international communication, as follows: a b c d e f g h i j k l m n o p q r s t u v w x y z A B C D E F G H I J K L M N O P Q R S T U V W X Y Z / -? : ( )., ' + Space However, to support local characters used in Denmark, Faroe Islands, Finland, Germany, Norway and Sweden beyond the Latin character set referred to above, the following characters are supported (Not to be used in SEPA payments or Cross border payments to other than the referred countries): á ä ç đ é í ó ö ú ü ý æ ø å Á Ä Ç Ð É Í Ó Ö Ú Ü Ý Æ Ø Å ß % & Remittance information contains information about the reason for payment (e.g. invoice number), directed from the payor to the payee. The information may be structured and/or unstructured. Structured remittance information may include, for example, reference numbers for the invoices and credit notes to which the payment refers. Unstructured remittance information contains information in free text format from the Payor to the Payee. Payments to EasyAccount Easy-Account Payment (Qualifier in CreditorAccount -> SchemeName): - CPR-number (DK Social Security Number): NKC + 10 digits - CVR-Number (DK Central Business Register Number): NKV + 8 digits - CVR-Number with P-number (DK Central Business Register Number with DK Production Number of a Unit): NKP + 8 digits/10 digits (Note: "/" is a separator) - CVR-Number with Tax Id (DK Central Business Register Number with DK Tax ): NKR + 8 digits/8 digits (Note: "/" is a separator) Page 3 of 74

4 - Tax Id (DK Tax ): NKS + 8 digits Example: Code Type Example NKC CPR-number NKC NKV CVR-number NKV NKP CVR-number with P- NKP / number NKR CVR-nummer with Tax Id NKR / NKS Tax Id NKS Page 4 of 74

5 Template Service Independent Payments Business Function Description of the service. Data Element Element Code / Value Payment Information <PmtInfId> Payment Method <PmtMtd> Payment Type Information <PmtTpInf> Requested Execution Date <ReqdExctnDt> Debtor name and address <Dbtr> <Nm> <PslAdr> <StrtNm> <PstCd> <TwnNm> <Ctry> Debtor s Organization <Dbtr> Debtor Account <DbtrAcct> Debtor Agent <DbtrAgt> Instruction ID End-to-end ID Purpose Amount Creditor name and address Creditor Account Number <PmtId><InstrId> <PmtId><EndToEndId> <Purp> <Amt> <Cdtr> <Nm> <PslAdr> <StrtNm> <PstCd> <TwnNm> <Ctry> <CdtrAcct> Remittance Information Structured and/or Unstructured <RmtInf> <Strd> <RmtInf> <Ustrd> Structured invoice payment type Unstructured details of payment Example: An examples follows here. Page 5 of 74

6 DANISH PAYMENT EXAMPLES Denmark, Direct Credit With Advice On Statement (former UDUS 356 Transfer) Business Function: Account to account credit transfer with long advise. Could require text code that is used as advicetext (for instance 0248 Pension). Optional 20 characters (35) short text. Optional Primary Reference. Debtors ID of the payment (20). 41 lines with 35 characters unstructured advice. Debtor s Organization Debit Account Number Instruction ID End-to-end ID <Dbtr> </Dbtr> <DbtrAcct> <Cd>BBAN</Cd> <Ccy>DKK</Ccy> Message Item <XML tag> /Element Code / Value Payment Information <PmtInfId>DEBENTID- DEBENTID </PmtInfId> Payment Method <PmtMtd>TRF/PmtMtd> TRF Payment Type Information <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> <CtgyPurp> <Cd>SUPP</Cd> <!-- Not forwarded beyond NURG (URGP = RTGS DKK in Kronos/EUR in Target2). SUPP (CORT, INTC, PENS, SALA, SUPP or TREA) DebitorAgent in UDUS > </CtgyPurp> </PmtTpInf> Requested Execution Date <ReqdExctnDt> </ReqdExctnDt> Debtor name and address <Dbtr> <Nm>Nils Nielsen</Nm> </Dbtr> Nils Nielsen DK </DbtrAcct> <InstrId>CR3REF- Webservice</InstrId> <EndToEndId>PQENDTOENDID </EndToEndId> BANK (DK ) BBAN DKK CR3REF-Webservice PQENDTOENDID Page 6 of 74

7 Message Item <XML tag> /Element Code / Value Purpose <Purp> <Prtry>0086</Prtry> <!-- UDUS 356 TextCode (FIELD 05) and optional meaning in Text (FIELD 11) is forwarded beyond DebtorAgent - -> <!-- Code or Text --> <! = Invoice tekst code for Danish domestic Low-value clearing -- > </Purp> <Purp><Prtry> to UDUS 356 TextCode 0086/ (fx 0019/, 0051/, 0078/, 0086/, 0248/, 0523/, 0531/, 0558/, 0566/ or other) Or <Purp><Prtry> TextCode/Short text (Max20Text) Or <Purp><Prtry> Short text (Max20Text) Amount Creditor Account Number Creditor name and address Instruction for First agent Or <Purp><Cd> to ISO PuposeCode (BECH, INTX, PENS, REFU, RENT, SALA, SUPP or other) <InstdAmt Ccy="DKK"> </InstdAmt> "DKK" <CdtrAcct> <Cd>BBAN</Cd> </CdtrAcct> <Cdtr> <Nm>CAPE Webconsult Aps.</Nm> <StrtNm>Markvejen</StrtNm> <BldgNb>103</BldgNb> <PstCd>4600</PstCd> <TwnNm>Koege</TwnNm> </Cdtr> (DK ) BBAN CAPE Webconsult Aps. Markvejen Koege DK Page 7 of 74

8 Message Item <XML tag> /Element Code / Value Remittance Information Unstructured and/or Structured <RmtInf> <Ustrd>Payment for webservices related to the new MS SQL web server</ustrd> <Strd> <RfrdDocInf> <Tp> <CdOrPrtry> <Prtry>PRIM</Prtry> </CdOrPrtry> </Tp> <Nb>PrimRefNo-1234</Nb> </RfrdDocInf> <RfrdDocInf> <Tp> <CdOrPrtry> <Prtry>DEBI</Prtry> </CdOrPrtry> </Tp> <Nb>DebIdPayNo-123</Nb> </RfrdDocInf> </Strd> </RmtInf> Payment for webservices related to the new MS SQL web server (Max1435Text) PRIM PrimRefNo-1234 DEBI DebIdPayNo-123 Example: <?xml version="1.0" encoding="utf-8"?> <!--Instance XML file generated by Carsten I. Pedersen for Danish Bankers' Association in > <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xmlns:xsi=" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain C:\Data\NORDIC~1\ISO20022_Maintenance2010\XSD\pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID </MsgId> <CreDtTm> T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID </PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <SvcLvl> Page 8 of 74

9 <Cd>NURG</Cd> </SvcLvl> <CtgyPurp> <Cd>SUPP</Cd> </CtgyPurp> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Nils Nielsen</Nm> </Dbtr> <DbtrAcct> <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>CR3REF-Webservice</InstrId> <EndToEndId>PQENDTOENDID </EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK"> </InstdAmt> </Amt> <ChrgBr>DEBT</ChrgBr> <CdtrAgt> <FinInstnId> <BIC>NDEADKKK</BIC> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>CAPE Webconsult Aps.</Nm> <StrtNm>Markvejen</StrtNm> <BldgNb>103</BldgNb> <PstCd>4600</PstCd> <TwnNm>Koege</TwnNm> Page 9 of 74

10 </Cdtr> <CdtrAcct> <Cd>BBAN</Cd> </CdtrAcct> <Purp> <Prtry>0086</Prtry> <!-- UDUS 356 TextCode (FIELD 05) and optional meaning in Text (FIELD 11) is forwarded beyond DebtorAgent --> <!-- Code or Text --> <! / = Invoice tekst code for Danish domestic Low-value clearing/short text to the Creditor --> </Purp> <RmtInf> <Ustrd>Payment for webservices related to the new MS SQL web server</ustrd> <Strd> <RfrdDocInf> <Tp> <CdOrPrtry> <Prtry>PRIM</Prtry> </CdOrPrtry> </Tp> <Nb>PrimRefNo-1234</Nb> <!-- UDUS 356 PRIM ("15") is forwarded to Creditor --> </RfrdDocInf> <RfrdDocInf> <Tp> <CdOrPrtry> <Prtry>DEBI</Prtry> </CdOrPrtry> </Tp> <Nb>DebIdPayNo-123</Nb> <!-- UDUS 356 DEBI ("13") is forwarded to CreditorAgent --> </RfrdDocInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 10 of 74

11 Denmark, Direct Credit With Advice On Statement (RF Creditor Reference) Business Function: Account to account credit transfer with RF Creditor Reference ISO Debtor s Organization Debit Account Number Instruction ID End-to-end ID <Dbtr> </Dbtr> <DbtrAcct> <Cd>BBAN</Cd> <Ccy>DKK</Ccy> Message Item <XML tag> /Element Code / Value Payment Information <PmtInfId>DEBENTID- DEBENTID </PmtInfId> Payment Method <PmtMtd>TRF/PmtMtd> TRF Payment Type Information <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> <LclInstrm> <Cd>SDCL</Cd> <!--Default: ONCL --> </LclInstrm> <CtgyPurp> <Cd>SUPP</Cd> <!-- Not forwarded beyond NURG (URGP = RTGS DKK in Kronos/EUR in Target2). SDCL (ONCL) SUPP (CORT, INTC, PENS, SALA, SUPP or TREA) DebitorAgent in UDUS > </CtgyPurp> </PmtTpInf> Requested Execution Date <ReqdExctnDt> </ReqdExctnDt> Debtor name and address <Dbtr> <Nm>Nils Nielsen</Nm> </Dbtr> Nils Nielsen DK </DbtrAcct> <InstrId>CR3REF- Webservice</InstrId> <EndToEndId>PQENDTOENDID </EndToEndId> BANK (DK ) BBAN DKK CR3REF-Webservice PQENDTOENDID Page 11 of 74

12 Message Item <XML tag> /Element Code / Value Purpose <Purp> <Cd>SDCL</Cd> <!-- TextCode is forwarded beyond DebtorAgent --> <Purp><Cd> to ISO PuposeCode (BECH, INTX, PENS, REFU, RENT, SALA, SUPP or other) </Purp> Amount <InstdAmt Creditor Account Number Creditor name and address Instruction for First agent Remittance Information Unstructured Ccy="DKK"> </InstdAmt> "DKK" <CdtrAcct> <Cd>BBAN</Cd> </CdtrAcct> <Cdtr> <Nm>CAPE Webconsult Aps.</Nm> <StrtNm>Markvejen</StrtNm> <BldgNb>103</BldgNb> <PstCd>4600</PstCd> <TwnNm>Koege</TwnNm> </Cdtr> N/A (DK ) BBAN CAPE Webconsult Aps. Markvejen Koege DK N/A and/or Structured Example: <?xml version="1.0" encoding="utf-8"?> <!--Instance XML file generated by Carsten I. Pedersen for Danish Bankers' Association in > <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xmlns:xsi=" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain C:\Data\ISO20022\Maintenance2009\XSD\pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID </MsgId> <CreDtTm> T09:30:47+02:00</CreDtTm> <Authstn> <Prtry> aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> Page 12 of 74

13 </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID </PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> <LclInstrm> <Cd>SDCL</Cd> <!--Default: ONCL --> </LclInstrm> <CtgyPurp> <Cd>SUPP</Cd> </CtgyPurp> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Anders Andersen</Nm> </Dbtr> <DbtrAcct> <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> Page 13 of 74

14 <InstrId>OWNREF-CR3REF-Webservice</InstrId> <EndToEndId>PQENDTOENDID </EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">666.00</InstdAmt> </Amt> <ChrgBr>DEBT</ChrgBr> <CdtrAgt> <FinInstnId> <BIC>NDEADKKK</BIC> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>CAPE Webconsult Aps.</Nm> <StrtNm>Markvejen</StrtNm> <BldgNb>103</BldgNb> <PstCd>2680</PstCd> <TwnNm>Solroed Strand</TwnNm> </Cdtr> <CdtrAcct> <Cd>BBAN</Cd> </CdtrAcct> <Purp> <Cd>SUPP</Cd> </Purp> <RmtInf> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> <Issr>ISO</Issr> </Tp> <Ref>RF </Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 14 of 74

15 Denmark, Payment Slip With Advice (Giro Payment Slip - GIK 01) Business Function: Payment Slip/OCR without Payment but with Remittance Information. No Payment for automatic reconciliation. Creditor receives information concerning Debtor name, address and additional information like invoice number (supplied by Debtor) for instance via a copy of the Payment Slip or via an account statement. 41 lines with 35 characters unstructured advice could be included. Payment to Giro account in Financial Institution. Debit Account Number Instruction ID End-to-end ID Purpose Amount </Dbtr> <DbtrAcct> <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> Message Item <XML tag> /Element Code / Value Payment Information <PmtInfId>DEBENTID- DEBENTID </PmtInfId> Payment Method <PmtMtd>TRF</PmtMtd> TRF Payment Type Information <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> NURG </SvcLvl> </PmtTpInf> Requested Execution Date <ReqdExctnDt> </ReqdExctnDt> Debtor name and address <Dbtr> <Nm>Nils Nielsen</Nm> Nils Nielsen DK </Dbtr> Debtor s Organization <Dbtr> BANK <InstrId>CR3REF- Webservice</InstrId> <EndToEndId>PQENDTOENDID </EndToEndId> <InstdAmt Ccy="DKK">866.06</InstdAmt> (DK ) BBAN DKK CR3REF-Webservice PQENDTOENDID DKK" Page 15 of 74

16 Message Item <XML tag> /Element Code / Value Creditor Account Number <CdtrAcct> <Prtry> OCR</Prtry> OCR </CdtrAcct> Creditor name and address <Cdtr> <Nm>CAPE Webconsult Aps.</Nm> </Cdtr> CAPE Webconsult Aps. DK Instruction for First agent Remittance Information Unstructured and/or Structured <RmtInf> <Ustrd>Payment for webservices related to the new MS SQL web server. Phonenumber: </Ustrd> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>01/</Ref> </CdtrRefInf> </Strd> </RmtInf> Payment for webservices related to the new MS SQL web server. Phonenumber: (Max1435Text) SCOR Example: <?xml version="1.0" encoding="utf-8"?> <!--Instance XML file generated by Carsten I. Pedersen for Danish Bankers' Association in > <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xmlns:xsi=" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain C:\Data\NORDIC~1\ISO20022_Maintenance2010\XSD\pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID </MsgId> <CreDtTm> T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> Page 16 of 74

17 </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID </PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Nils Nielsen</Nm> </Dbtr> <DbtrAcct> <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>NDEADKKK</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>CR3REF-Webservice</InstrId> <EndToEndId>PQENDTOENDID </EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">866.06</InstdAmt> </Amt> <ChrgBr>DEBT</ChrgBr> <CdtrAgt> <FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </CdtrAgt> Page 17 of 74

18 <Cdtr> <Nm>CAPE Webconsult Aps.</Nm> </Cdtr> <CdtrAcct> <Prtry>OCR</Prtry> </CdtrAcct> <RmtInf> <Ustrd>Payment for webservices related to the new MS SQL web server. Phonenumber: </Ustrd> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>01/</Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 18 of 74

19 Denmark, Payment Slip (OCR) (Giro Payment Slip - GIK 04) Business Function: Payment Slip/OCR with OCR-reference but without Remittance information. 16 digits Payment for automatic reconciliation. No unstructured advice. Payment to Giro account. Debit Account Number Instruction ID End-to-end ID Purpose Amount <DbtrAcct> <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> Message Item <XML tag> /Element Code / Value Payment Information <PmtInfId>DEBENTID- DEBENTID </PmtInfId> Payment Method <PmtMtd>TRF</PmtMtd> TRF Payment Type Information <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> NURG </SvcLvl> </PmtTpInf> Requested Execution Date <ReqdExctnDt> </ReqdExctnDt> Debtor name and address <Dbtr> <Nm>Nils Nielsen</Nm> Nils Nielsen DK </Dbtr> Debtor s Organization BANK <InstrId>CR3REF- Webservice</InstrId> <EndToEndId>PQENDTOENDID </EndToEndId> (DK ) BBAN DKK CR3REF-Webservice PQENDTOENDID <InstdAmt Ccy="DKK">866.06</InstdAmt> "DKK" Page 19 of 74

20 Message Item <XML tag> /Element Code / Value Creditor Account Number <CdtrAcct> Creditor name and address Instruction for First agent Remittance Information Unstructured and/or Structured <Prtry> OCR</Prtry> </CdtrAcct> <RmtInf> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>04/ </Ref> </CdtrRefInf> </Strd> </RmtInf> OCR SCOR 04/ Example: <?xml version="1.0" encoding="utf-8"?> <!--Instance XML file generated by Carsten I. Pedersen for Danish Bankers' Association in > <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xmlns:xsi=" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain C:\Data\NORDIC~1\ISO20022_Maintenance2010\XSD\pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID </MsgId> <CreDtTm> T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID </PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> Page 20 of 74

21 <SvcLvl> <Cd>NURG</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Nils Nielsen</Nm> </Dbtr> <DbtrAcct> <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>NDEADKKK</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>CR3REF-Webservice</InstrId> <EndToEndId>PQENDTOENDID </EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">866.06</InstdAmt> </Amt> <ChrgBr>DEBT</ChrgBr> <CdtrAgt> <FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>CAPE Webconsult Aps.</Nm> </Cdtr> <CdtrAcct> Page 21 of 74

22 <Prtry>OCR</Prtry> </CdtrAcct> <RmtInf> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>04/ </Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 22 of 74

23 Denmark, Payment Slip (OCR) (Giro Payment Slip - GIK 15) Business Function: Payment Slip/OCR with OCR-reference but without Remittance Information. 16 digits Payment for automatic reconciliation. No unstructured advice. Payment to Giro account. Debit Account Number Instruction ID End-to-end ID Purpose Amount <DbtrAcct> <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> Message Item <XML tag> /Element Code / Value Payment Information <PmtInfId>DEBENTID- DEBENTID </PmtInfId> Payment Method <PmtMtd>TRF</PmtMtd> TRF Payment Type Information <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> NURG </SvcLvl> </PmtTpInf> Requested Execution Date <ReqdExctnDt> </ReqdExctnDt> Debtor name and address <Dbtr> <Nm>Nils Nielsen</Nm> Nils Nielsen DK </Dbtr> Debtor s Organization BANK <InstrId>CR3REF- Webservice</InstrId> <EndToEndId>PQENDTOENDID </EndToEndId> (DK ) BBAN DKK CR3REF-Webservice PQENDTOENDID <InstdAmt Ccy="DKK">866.06</InstdAmt> "DKK" Page 23 of 74

24 Message Item <XML tag> /Element Code / Value Creditor Account Number <CdtrAcct> Creditor name and address Instruction for First agent Remittance Information Unstructured and/or Structured <Prtry> OCR</Prtry> </CdtrAcct> <RmtInf> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>15/ </Ref> </CdtrRefInf> </Strd> </RmtInf> OCR SCOR 15/ Page 24 of 74

25 Example: <?xml version="1.0" encoding="utf-8"?> <!--Instance XML file generated by Carsten I. Pedersen for Danish Bankers' Association in > <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xmlns:xsi=" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain C:\Data\NORDIC~1\ISO20022_Maintenance2010\XSD\pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID </MsgId> <CreDtTm> T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID </PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Nils Nielsen</Nm> </Dbtr> <DbtrAcct> <Cd>BBAN</Cd> Page 25 of 74

26 <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>NDEADKKK</BIC> </FinInstnId> </DbtrAgt> <ChrgsAcct> <Cd>BBAN</Cd> </ChrgsAcct> <CdtTrfTxInf> <PmtId> <InstrId>CR3REF-Webservice</InstrId> <EndToEndId>PQENDTOENDID </EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">866.06</InstdAmt> </Amt> <ChrgBr>DEBT</ChrgBr> <CdtrAgt> <FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>CAPE Webconsult Aps.</Nm> </Cdtr> <CdtrAcct> <Prtry>OCR</Prtry> </CdtrAcct> <RmtInf> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>15/ </Ref> </CdtrRefInf> Page 26 of 74

27 </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 27 of 74

28 Denmark, Payment Slip (OCR) (Payment Slip - FIK 71) Business Function: Payment Slip/OCR with OCR-reference but without Remittance Information. 15 digits Payment for automatic reconciliation. No unstructured advice. Payment to FIK account in Financial Institution. Debit Account Number Instruction ID End-to-end ID Purpose Amount <DbtrAcct> <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> Message Item <XML tag> /Element Code / Value Payment Information <PmtInfId>DEBENTID- DEBENTID </PmtInfId> Payment Method <PmtMtd>TRF</PmtMtd> TRF Payment Type Information <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> NURG </SvcLvl> </PmtTpInf> Requested Execution Date <ReqdExctnDt> </ReqdExctnDt> Debtor name and address <Dbtr> <Nm>Nils Nielsen</Nm> Nils Nielsen DK </Dbtr> Debtor s Organization BANK <InstrId>CR3REF- Webservice</InstrId> <EndToEndId>PQENDTOENDID </EndToEndId> (DK ) BBAN DKK CR3REF-Webservice PQENDTOENDID <InstdAmt Ccy="DKK">666.06</InstdAmt> "DKK" Page 28 of 74

29 Message Item <XML tag> /Element Code / Value Creditor Account Number <CdtrAcct> <Prtry> OCR</Prtry> </CdtrAcct> OCR Creditor name and address Instruction for First agent Remittance Information Unstructured and/or Structured <RmtInf> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>71/ </Ref> </CdtrRefInf> </Strd> </RmtInf> SCOR 71/ Example: <?xml version="1.0" encoding="utf-8"?> <!--Instance XML file generated by Carsten I. Pedersen for Danish Bankers' Association in > <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xmlns:xsi=" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain C:\Data\NORDIC~1\ISO20022_Maintenance2010\XSD\pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID </MsgId> <CreDtTm> T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID </PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> Page 29 of 74

30 <SvcLvl> <Cd>NURG</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Nils Nielsen</Nm> </Dbtr> <DbtrAcct> <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </DbtrAgt> <ChrgsAcct> <Cd>BBAN</Cd> </ChrgsAcct> <CdtTrfTxInf> <PmtId> <InstrId>CR3REF-Webservice</InstrId> <EndToEndId>PQENDTOENDID </EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">666.06</InstdAmt> </Amt> <ChrgBr>DEBT</ChrgBr> <CdtrAgt> <FinInstnId> <BIC>PBSEDK21</BIC> </FinInstnId> Page 30 of 74

31 </CdtrAgt> <Cdtr> <Nm>CAPE Webconsult Aps.</Nm> </Cdtr> <CdtrAcct> <Prtry>OCR</Prtry> </CdtrAcct> <RmtInf> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>71/ </Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 31 of 74

32 Denmark, Payment Slip (OCR) (Payment Slip - FIK 73) Business Function: Payment Slip/OCR without Payment but with Remittance Information. No Payment for automatic reconciliation. Creditor receives information concerning Debtor name, address and additional information like invoice number (supplied by Debtor) for instance via a copy of the card or via an account-statement. 41 lines with 35 characters unstructured advice could be included. Payment to FIK account in Financial Institution. Debit Account Number Instruction ID End-to-end ID Purpose Amount <DbtrAcct> <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> Message Item <XML tag> /Element Code / Value Payment Information <PmtInfId>DEBENTID- DEBENTID </PmtInfId> Payment Method <PmtMtd>TRF</PmtMtd> TRF Payment Type Information <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> NURG </SvcLvl> </PmtTpInf> Requested Execution Date <ReqdExctnDt> </ReqdExctnDt> Debtor name and address <Dbtr> <Nm>Nils Nielsen</Nm> Nils Nielsen DK </Dbtr> Debtor s Organization BANK <InstrId>CR3REF- Webservice</InstrId> <EndToEndId>PQENDTOENDID </EndToEndId> <InstdAmt Ccy="DKK">666.06</InstdAmt> (DK ) BBAN DKK CR3REF-Webservice PQENDTOENDID "DKK"> Page 32 of 74

33 Message Item <XML tag> /Element Code / Value Creditor Account Number <CdtrAcct> <Prtry> OCR</Prtry> </CdtrAcct> OCR Creditor name and address Instruction for First agent Remittance Information Unstructured and/or Structured <RmtInf> <Ustrd>Payment for webservices related to the new MS SQL web server. Phonenumber: </Ustrd> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>73/</Ref> </CdtrRefInf> </Strd> </RmtInf> Payment for webservices related to the new MS SQL web server. Phonenumber: (Max1435Text) SCOR Example: <?xml version="1.0" encoding="utf-8"?> <!--Instance XML file generated by Carsten I. Pedersen for Danish Bankers' Association in > <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xmlns:xsi=" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain C:\Data\NORDIC~1\ISO20022_Maintenance2010\XSD\pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID </MsgId> <CreDtTm> T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID </PmtInfId> 73 Page 33 of 74

34 <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Nils Nielsen</Nm> </Dbtr> <DbtrAcct> <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>CR3REF-Webservice</InstrId> <EndToEndId>PQENDTOENDID </EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">666.66</InstdAmt> </Amt> <ChrgBr>DEBT</ChrgBr> <CdtrAgt> <FinInstnId> <BIC>PBSEDK21</BIC> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>CAPE Webconsult Aps.</Nm> </Cdtr> Page 34 of 74

35 <CdtrAcct> <Prtry>OCR</Prtry> </CdtrAcct> <RmtInf> <Ustrd>Payment for webservices related to the new MS SQL web server. Phonenumber: </Ustrd> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>73/</Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 35 of 74

36 Denmark, Payment Slip (OCR) (Payment Slip - FIK 75) Business Function: Payment Slip/OCR with OCR-reference and with Remittance Information. 16 digits Payment for automatic reconciliation. 41 lines with 35 characters unstructured advice could be included but not Debtor name and address. Payment to FIK account in Financial Institution. Debit Account Number Instruction ID End-to-end ID Purpose Amount <DbtrAcct> <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> Message Item <XML tag> /Element Code / Value Payment Information <PmtInfId>DEBENTID- DEBENTID </PmtInfId> Payment Method <PmtMtd>TRF</PmtMtd> TRF Payment Type Information <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> NURG </SvcLvl> </PmtTpInf> Requested Execution Date <ReqdExctnDt> </ReqdExctnDt> Debtor name and address <Dbtr> <Nm>Nils Nielsen</Nm> Nils Nielsen DK </Dbtr> Debtor s Organization BANK <InstrId>CR3REF- Webservice</InstrId> <EndToEndId>PQENDTOENDID </EndToEndId> (DK ) BBAN DKK CR3REF-Webservice PQENDTOENDID <InstdAmt Ccy="DKK">666.66</InstdAmt> "DKK" Page 36 of 74

37 Message Item <XML tag> /Element Code / Value Creditor Account Number <CdtrAcct> <Prtry> OCR</Prtry> </CdtrAcct> OCR Creditor name and address Instruction for First agent Remittance Information Unstructured and/or Structured <RmtInf> <Ustrd>Payment for webservices related to the new MS SQL web server</ustrd> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>75/ </Ref> </CdtrRefInf> </Strd> </RmtInf> Payment for webservices related to the new MS SQL web server (Max1435Text) SCOR 75/ Example: <?xml version="1.0" encoding="utf-8"?> <!--Instance XML file generated by Carsten I. Pedersen for Danish Bankers' Association in > <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xmlns:xsi=" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain C:\Data\NORDIC~1\ISO20022_Maintenance2010\XSD\pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID </MsgId> <CreDtTm> T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID </PmtInfId> Page 37 of 74

38 <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Nils Nielsen</Nm> </Dbtr> <DbtrAcct> <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>CR3REF-Webservice</InstrId> <EndToEndId>PQENDTOENDID </EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">666.66</InstdAmt> </Amt> <ChrgBr>DEBT</ChrgBr> <CdtrAgt> <FinInstnId> <BIC>PBSEDK21</BIC> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>CAPE Webconsult Aps.</Nm> </Cdtr> Page 38 of 74

39 <CdtrAcct> <Prtry>OCR</Prtry> </CdtrAcct> <RmtInf> <Ustrd>Payment for webservices related to the new MS SQL web server</ustrd> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>75/ </Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 39 of 74

40 Denmark, Payment to EasyAccount (NKS) With Central Business Register Number (CVR) Business Function: Account to Easy Account credit transfer with Central Business Register Number. Optional 20 characters (35) short text. Optional Primary Reference. Debtors ID of the payment (20). 41 lines with 35 characters unstructured advice could be included. Debtor s Organization Debit Account Number Instruction ID End-to-end ID Purpose <Dbtr> </Dbtr> <DbtrAcct> <Cd>BBAN</Cd> <Ccy>DKK</Ccy> Message Item <XML tag> /Element Code / Value Payment Information <PmtInfId>DEBENTID- DEBENTID </PmtInfId> Payment Method <PmtMtd>TRF</PmtMtd> TRF Payment Type Information <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> <CtgyPurp> <Cd>SUPP</Cd> <!-- Not forwarded beyond NURG (URGP = RTGS DKK in Kronos/EUR in Target2) SUPP (CORT, INTC, PENS, SALA, SUPP or TREA) DebitorAgent in UDUS > </CtgyPurp> </PmtTpInf> Requested Execution Date <ReqdExctnDt> </ReqdExctnDt> Debtor name and address <Dbtr> <Nm>Nils Nielsen</Nm> </Cdtr> Nils Nielsen DK </DbtrAcct> <InstrId>CR3REF- Webservice</InstrId> <EndToEndId>PQENDTOENDID </EndToEndId> BANK (DK ) BBAN DKK CR3REF-Webservice PQENDTOENDID Page 40 of 74

41 Message Item <XML tag> /Element Code / Value Amount <InstdAmt Ccy="DKK"> "DKK" </InstdAmt> Credit Account Number <CdtrAcct> <Prtry> NKV</Prtry> NKV </CdtrAcct> Creditor name and address <Cdtr> <Nm>CAPE Webconsult Aps.</Nm> <StrtNm>Markvejen</StrtNm> <BldgNb>103</BldgNb> <PstCd>4600</PstCd> <TwnNm>Koege</TwnNm> </Cdtr> CAPE Webconsult Aps. Markvejen Koege DK Instruction for First agent Remittance Information Unstructured and/or Structured <RmtInf> <Ustrd>Payment for webservices related to the new MS SQL web server</ustrd> <Strd> <RfrdDocInf> <Tp> <CdOrPrtry> <Prtry>PRIM</Prtry> </CdOrPrtry> </Tp> <Nb>PrimRefNo-1234</Nb> </RfrdDocInf> <RfrdDocInf> <Tp> <CdOrPrtry> <Prtry>DEBI</Prtry> </CdOrPrtry> </Tp> <Nb>DebIdPayNo-123</Nb> </RfrdDocInf> </Strd> </RmtInf> Payment for webservices related to the new MS SQL web server (Max1435Text) PRIM PrimRefNo-1234 DEBI DebIdPayNo-123 Page 41 of 74

42 Example: <?xml version="1.0" encoding="utf-8"?> <!--Instance XML file generated by Carsten I. Pedersen for Danish Bankers' Association in > <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xmlns:xsi=" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain C:\Data\NORDIC~1\ISO20022_Maintenance2010\XSD\pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID </MsgId> <CreDtTm> T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID </PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> <CtgyPurp> <Cd>SUPP</Cd> <!-- Not forwarded beyond DebitorAgent in UDUS > </CtgyPurp> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Nils Nielsen</Nm> </Dbtr> <DbtrAcct> Page 42 of 74

43 <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>CR3REF-Webservice</InstrId> <EndToEndId>PQENDTOENDID </EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK"> </InstdAmt> </Amt> <ChrgBr>DEBT</ChrgBr> <CdtrAgt> <FinInstnId> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>CAPE Webconsult Aps.</Nm> <StrtNm>Markvejen</StrtNm> <BldgNb>103</BldgNb> <PstCd>4600</PstCd> <TwnNm>Koege</TwnNm> </Cdtr> <CdtrAcct> <Prtry>NKV</Prtry> </CdtrAcct> <RmtInf> <Ustrd>Payment for webservices related to the new MS SQL web server</ustrd> <Strd> <RfrdDocInf> <Tp> <CdOrPrtry> <Prtry>PRIM</Prtry> </CdOrPrtry> </Tp> <Nb>PrimRefNo-1234</Nb> Page 43 of 74

44 <!-- UDUS 356 PRIM (FIELD 15) is forwarded to Creditor --> </RfrdDocInf> <RfrdDocInf> <Tp> <CdOrPrtry> <Prtry>DEBI</Prtry> </CdOrPrtry> </Tp> <Nb>DebIdPayNo-123</Nb> <!-- UDUS 356 DEBI (FIELD 13) is forwarded to CreditorAgent --> </RfrdDocInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 44 of 74

45 Denmark, Payment to EasyAccount (NKS) With Social Security Number (CPR) Business Function: Account to Easy Account credit transfer with Social Security Number. Optional 20 characters (35) short text. Optional Primary Reference. Debtors ID of the payment (20). 41 lines with 35 characters unstructured advice could be included. Debtor s Organization Debit Account Number Instruction ID End-to-end ID Purpose <Dbtr> </Dbtr> <DbtrAcct> <Cd>BBAN</Cd> <Ccy>DKK</Ccy> Message Item <XML tag> /Element Code / Value Payment Information <PmtInfId>DEBENTID- DEBENTID </PmtInfId> Payment Method <PmtMtd>TRF</PmtMtd> TRF Payment Type Information <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> <CtgyPurp> <Cd>SUPP</Cd> <!-- Not forwarded beyond NURG (URGP = RTGS DKK in Kronos/EUR in Target2) SUPP (CORT, INTC, PENS, SALA, SUPP or TREA) DebitorAgent in UDUS > </CtgyPurp> </PmtTpInf> Requested Execution Date <ReqdExctnDt> </ReqdExctnDt> Debtor name and address <Dbtr> <Nm>Nils Nielsen</Nm> </Cdtr> Nils Nielsen DK </DbtrAcct> <InstrId>CR3REF- Webservice</InstrId> <EndToEndId>PQENDTOENDID </EndToEndId> BANK (DK ) BBAN DKK CR3REF-Webservice PQENDTOENDID Page 45 of 74

46 Message Item <XML tag> /Element Code / Value Amount <InstdAmt Ccy="DKK"> "DKK" </InstdAmt> Credit Account Number <CdtrAcct> <Prtry> NKC</Prtry> NKC </CdtrAcct> Creditor name and address <Cdtr> <Nm>CAPE Webconsult Aps.</Nm> <StrtNm>Markvejen</StrtNm> <BldgNb>103</BldgNb> <PstCd>4600</PstCd> <TwnNm>Koege</TwnNm> </Cdtr> CAPE Webconsult Aps. Markvejen Koege DK Instruction for First agent Remittance Information Unstructured and/or Structured <RmtInf> <Ustrd>Payment for webservices related to the new MS SQL web server</ustrd> <Strd> <RfrdDocInf> <Tp> <CdOrPrtry> <Prtry>PRIM</Prtry> </CdOrPrtry> </Tp> <Nb>PrimRefNo-1234</Nb> </RfrdDocInf> <RfrdDocInf> <Tp> <CdOrPrtry> <Prtry>DEBI</Prtry> </CdOrPrtry> </Tp> <Nb>DebIdPayNo-123</Nb> </RfrdDocInf> </Strd> </RmtInf> Payment for webservices related to the new MS SQL web server (Max1435Text) PRIM PrimRefNo-1234 DEBI DebIdPayNo-123 Page 46 of 74

47 Example: <?xml version="1.0" encoding="utf-8"?> <!--Instance XML file generated by Carsten I. Pedersen for Danish Bankers' Association in > <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xmlns:xsi=" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain C:\Data\NORDIC~1\ISO20022_Maintenance2010\XSD\pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID </MsgId> <CreDtTm> T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID </PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> <CtgyPurp> <Cd>SUPP</Cd> <!-- Not forwarded beyond DebitorAgent in UDUS > </CtgyPurp> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Nils Nielsen</Nm> </Dbtr> <DbtrAcct> Page 47 of 74

48 <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>CR3REF-Webservice</InstrId> <EndToEndId>PQENDTOENDID </EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK"> </InstdAmt> </Amt> <ChrgBr>DEBT</ChrgBr> <CdtrAgt> <FinInstnId> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>CAPE Webconsult Aps.</Nm> <StrtNm>Markvejen</StrtNm> <BldgNb>103</BldgNb> <PstCd>4600</PstCd> <TwnNm>Koege</TwnNm> </Cdtr> <CdtrAcct> <Prtry>NKC</Prtry> </CdtrAcct> <RmtInf> <Ustrd>Payment for webservices related to the new MS SQL web server</ustrd> <Strd> <RfrdDocInf> <Tp> <CdOrPrtry> <Prtry>PRIM</Prtry> </CdOrPrtry> </Tp> <Nb>PrimRefNo-1234</Nb> Page 48 of 74

49 <!-- UDUS 356 PRIM (FIELD 15) is forwarded to Creditor --> </RfrdDocInf> <RfrdDocInf> <Tp> <CdOrPrtry> <Prtry>DEBI</Prtry> </CdOrPrtry> </Tp> <Nb>DebIdPayNo-123</Nb> <!-- UDUS 356 DEBI (FIELD 13) is forwarded to CreditorAgent --> </RfrdDocInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 49 of 74

50 Denmark, Domestic Cheque Business Function: Domestic cheque without Payment. Unstructured advice could be included. Cheque is sent by mail to Creditor. Message Item <XML tag> /Element Code / Value Payment Information <PmtInfId>DEBENTID CHK</PmtInfId> DEBENTID CHK Payment Method <PmtMtd>CHK</PmtMtd> CHK Payment Type Information Requested Execution Date <ReqdExctnDt> </ReqdExctnDt> Debtor name and address <Dbtr> <Nm>Nils Nielsen</Nm> Nils Nielsen DK </Dbtr> Debtor s Organization <Dbtr> BANK Debit Account Number Instruction ID End-to-end ID Purpose Amount </Dbtr> <DbtrAcct> <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> <InstrId>CR3REF- Webservice</InstrId> <EndToEndId>PQENDTOENDID CHK</EndToEndId> <InstdAmt Ccy="DKK"> </InstdAmt> (DK ) BBAN DKK CR3REF-Webservice PQENDTOENDID CHK "DKK" Page 50 of 74

51 Message Item <XML tag> /Element Code / Value Cheque Instruction <ChqInstr> <ChqTp>BCHQ</ChqTp> <DlvryMtd> <Cd>MLCD</Cd> </DlvryMtd> <DlvrTo> <Nm>CAPE Webconsult Aps.</Nm> <Adr> <StrtNm>Markvejen</StrtNm> <BldgNb>103</BldgNb> <PstCd>4600</PstCd> <TwnNm>Koege</TwnNm> CCHQ (BCHQ, CCHQ) MLCD (MLDB, MLCD, PUCD) CAPE Webconsult Aps. Markvejen Koege DK </Adr> </DlvrTo> </ChqInstr> Creditor Account Number Creditor name and address Instruction for First agent Remittance Information Unstructured and/or Structured <Cdtr> <Nm>CAPE Webconsult Aps.</Nm> <StrtNm>Markvejen</StrtNm> <BldgNb>103</BldgNb> <PstCd>4600</PstCd> <TwnNm>Koege</TwnNm> </Cdtr> <RmtInf> <Ustrd>Payment for webservices related to the new MS SQL web server. InvoiceNo-1234</Ustrd> </RmtInf> CAPE Webconsult Aps. Markvejen Koege DK Payment for webservices related to the new MS SQL web server. InvoiceNo-1234 (Max1435Text) Example: <?xml version="1.0" encoding="utf-8"?> <!--Instance XML file generated by Carsten I. Pedersen for Danish Bankers' Association in > <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xmlns:xsi=" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain C:\Data\NORDIC~1\ISO20022_Maintenance2010\XSD\pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID CHK</MsgId> <CreDtTm> T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> Page 51 of 74

52 </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID CHK</PmtInfId> <PmtMtd>CHK</PmtMtd> <BtchBookg>false</BtchBookg> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Nils Nielsen</Nm> </Dbtr> <DbtrAcct> <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>CR3REF-Webservice</InstrId> <EndToEndId>PQENDTOENDID CHK</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK"> </InstdAmt> </Amt> <ChrgBr>DEBT</ChrgBr> <ChqInstr> <ChqTp>BCHQ</ChqTp> <DlvryMtd> <Cd>MLCD</Cd> Page 52 of 74

53 </DlvryMtd> <DlvrTo> <Nm>CAPE Webconsult Aps.</Nm> <Adr> <StrtNm>Markvejen</StrtNm> <BldgNb>103</BldgNb> <PstCd>4600</PstCd> <TwnNm>Koege</TwnNm> </Adr> </DlvrTo> </ChqInstr> <Cdtr> <Nm>CAPE Webconsult Aps.</Nm> <StrtNm>Markvejen</StrtNm> <BldgNb>103</BldgNb> <PstCd>4600</PstCd> <TwnNm>Koege</TwnNm> </Cdtr> <RmtInf> <Ustrd>Payment for webservices related to the new MS SQL web server. InvoiceNo- 1234</Ustrd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 53 of 74

54 CROSS BORDER PAYMENT Cross Border SEPA Payment Business Function: Cross Border SEPA payment sent from the debitor SPEED Model Racing Team Aps. In Denmark to the creditor IFMAR in Sweden. Data Element Element Code / Value Payment Information <PmtInfId>DEBENTID _sepa</PmtInfId> DEBENTID-23456_sepa Payment Method <PmtMtd>TRF</PmtMtd> TRF Batch Booking <BtchBookg>false</BtchBookg> false Payment Type Information <PmtTpInf> <SvcLvl> <Cd>SEPA</Cd> SEPA </SvcLvl> </PmtTpInf> Category Purpose <CtgyPurp> Requested Execution <ReqdExctnDt> </ReqdExctnDt> Date Debtor name and address Debtor s Organization Debtor Account Debtor Agent <Dbtr> <Nm> SPEED Model Racing Team Aps /Nm> </Dbtr> <Dbtr> </Dbtr> <DbtrAcct> <IBAN>DK </IBAN> <Ccy>EUR</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </DbtrAgt> SPEED Model Racing Team Aps DK DK EUR DABADKKK Charge Bearer <ChrgBr>SLEV</ChrgBr> SLEV Instruction ID End-to-end ID <PmtId> <InstrId>INSTRID-IFMAR-2011</InstrId> <EndToEndId>PQENDTOENDID _sepa</EndToEndId> </PmtId> INSTRID-IFMAR-2011 PQENDTOENDID _sepa Page 54 of 74

55 Data Element Element Code / Value Amount Amt> <InstdAmt Ccy = "EUR">190.00</InstdAmt> "EUR" </Amt> Creditor Agent <CdtrAgt> <FinInstnId> <BIC>HANDSESS</BIC> HANDSESS </FinInstnId> </CdtrAgt> Creditor name and address IFMAR Creditor Account Number Remittance Information Unstructured <Cdtr> <Nm>IFMAR</Nm> <Ctry>SE</Ctry> <AdrLine>Urbangatan 109</AdrLine> <AdrLine>S Norrkoping Sweden</AdrLine> </Cdtr> <CdtrAcct> <IBAN>SE </IBAN> </CdtrAcct> <RmtInf> <Ustrd>Fee for INTERNATIONAL FEDERATION OF MODEL AUTO RACING World Championship in Sweden in July 2011</Ustrd> </RmtInf> SE Urbangatan 109 S Norrkoping Sweden SE Fee for INTERNATIONAL FEDERATION OF MODEL AUTO RACING World Championship in Sweden in July 2011 Page 55 of 74

56 Example: <?xml version="1.0" encoding="utf-8"?> <!--Instance XML file generated by Carsten I. Pedersen for Danish Bankers' Association in > <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xmlns:xsi=" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain C:\Data\NORDIC~1\ISO20022_Maintenance2010\XSD\pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID _sepa</MsgId> <CreDtTm> T09:30:47+01:00</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty> <Nm>SPEED Model Racing Team Aps.</Nm> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID _sepa</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <SvcLvl> <Cd>SEPA</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>SPEED Model Racing Team Aps.</Nm> </Dbtr> <DbtrAcct> <IBAN>DK </IBAN> <Ccy>EUR</Ccy> </DbtrAcct> <DbtrAgt> Page 56 of 74

57 <FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </DbtrAgt> <ChrgBr>SLEV</ChrgBr> <CdtTrfTxInf> <PmtId> <InstrId>INSTRID-IFMAR-2011</InstrId> <EndToEndId>PQENDTOENDID _sepa</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy = "EUR">190.00</InstdAmt> </Amt> <CdtrAgt> <FinInstnId> <BIC>HANDSESS</BIC> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>IFMAR</Nm> <Ctry>SE</Ctry> <AdrLine>Urbangatan 109</AdrLine> <AdrLine>S Norrkoping Sweden</AdrLine> </Cdtr> <CdtrAcct> <IBAN>SE </IBAN> </CdtrAcct> <RmtInf> <Ustrd>Fee for INTERNATIONAL FEDERATION OF MODEL AUTO RACING World Championship in Sweden in July 2011</Ustrd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 57 of 74

58 Cross Border non-sepa Payment Business Function: Cross Border non-sepa payment sent from the debitor Debtor Company in Denmark to the creditor Creditor Company in Finland. Data Element Element Code / Value Payment Information <PmtInfId> DEBENTID </PmtInfId> DEBENTID Payment Method <PmtMtd>TRF</PmtMtd> TRF Batch Booking <BtchBookg>false</BtchBookg> false Payment Type Information Category Purpose Requested Execution Date Debtor name and address Debtor s Organization Debtor Account Number Debtor Agent Charge Bearer Instruction ID End-to-end ID <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> </PmtTpInf> <CtgyPurp> <Cd>SUPP</Cd> </CtgyPurp> NURG (URGP = RTGS DKK in Kronos/EUR in Target2) SUPP <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Debtor Company</Nm> </Dbtr> <Dbtr> <CtryOfRes>DK</CtryOfRes> </Dbtr> <DbtrAcct> <IBAN>DK </IBAN> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>NDEADKKK</BIC> </FinInstnId> </DbtrAgt> <ChrgBr> <PmtId> <InstrId>INSTRID-FiFi0102</InstrId> <EndToEndId>PQENDTOENDID- FiFi0102</EndToEndId> </PmtId> Debtor Company DK DK DK DKK NDEADKKK INSTRID-FiFi0102 PQENDTOENDID- FiFi0102 Page 58 of 74

59 Data Element Element Code / Value Amount <Amt> <InstdAmt Ccy = "DKK"> </InstdAmt> "DKK" </Amt> Charge Bearer <ChrgBr>DEBT</ChrgBr> DEBT Creditor Agent <CdtrAgt> <FinInstnId> <BIC>NDEAFIHH</BIC> NDEAFIHH </FinInstnId> </CdtrAgt> Creditor name and address <Cdtr> <Nm>Creditor Company</Nm> <Ctry>FI</Ctry> Creditor Company FI Creditor Account Number Remittance Information Unstructured </Cdtr> <CdtrAcct> <IBAN>FI </IBAN> </CdtrAcct> <RmtInf> <Ustrd>Invoices 5123 and 3521</Ustrd> </RmtInf> FI Invoices 5123 and 3521 Example: <?xml version="1.0" encoding="utf-8"?> <!--Instance XML file generated by Carsten I. Pedersen for Danish Bankers' Association in > <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xmlns:xsi=" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain C:\Data\NORDIC~1\ISO20022_Maintenance2010\XSD\pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID-FiFi00102</MsgId> <CreDtTm> T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> <Nm>Group Finance</Nm> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID </PmtInfId> <PmtMtd>TRF</PmtMtd> Page 59 of 74

60 <BtchBookg>false</BtchBookg> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> <CtgyPurp> <Cd>SUPP</Cd> </CtgyPurp> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Debtor Company</Nm> </Dbtr> <DbtrAcct> <IBAN>DK </IBAN> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>NDEADKKK</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>INSTRID-FiFi0102</InstrId> <EndToEndId>PQENDTOENDID-FiFi0102</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy = "DKK"> </InstdAmt> </Amt> <ChrgBr>DEBT</ChrgBr> <CdtrAgt> <FinInstnId> <BIC>NDEAFIHH</BIC> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>Creditor Company</Nm> <Ctry>FI</Ctry> </Cdtr> <CdtrAcct> <IBAN>FI </IBAN> Page 60 of 74

61 </CdtrAcct> <RmtInf> <Ustrd>Invoices 5123 and 3521</Ustrd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 61 of 74

62 Cross Border Urgent Payment Business Function: Cross Border Urgent Payment sent from the debitor Debtor Company in Denmark to the creditor Creditor Company in Finland. Data Element Element Code / Value Payment Information <PmtInfId> DEBENTID </PmtInfId> DEBENTID Payment Method <PmtMtd>TRF</PmtMtd> TRF Batch Booking <BtchBookg>false</BtchBookg> false Payment Type Information Category Purpose Requested Execution Date Debtor name and address Debtor s Organization Debtor Account Number Debtor Agent Charge Bearer Instruction ID End-to-end ID <PmtTpInf> <SvcLvl> <Cd>URGP</Cd> </SvcLvl> </PmtTpInf> <CtgyPurp> <Cd>SUPP</Cd> </CtgyPurp> URGP = RTGS DKK in Kronos/EUR in Target2 SUPP <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Debtor Company</Nm> </Dbtr> <Dbtr> <CtryOfRes>DK</CtryOfRes> </Dbtr> <DbtrAcct> <IBAN>DK </IBAN> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>NDEADKKK</BIC> </FinInstnId> </DbtrAgt> <ChrgBr> <PmtId> <InstrId>INSTRID-FiFi0102</InstrId> <EndToEndId>PQENDTOENDID- FiFi0102</EndToEndId> </PmtId> Debtor Company DK DK DK NDEADKKK INSTRID-FiFi0102 PQENDTOENDID- FiFi0102 Page 62 of 74

63 Data Element Element Code / Value Amount <Amt> <InstdAmt Ccy = "DKK"> </InstdAmt> "DKK" </Amt> Charge Bearer <ChrgBr>DEBT</ChrgBr> DEBT Creditor Agent <CdtrAgt> <FinInstnId> <BIC>NDEAFIHH</BIC> NDEAFIHH </FinInstnId> </CdtrAgt> Creditor name and address <Cdtr> <Nm>Creditor Company</Nm> <Ctry>FI</Ctry> Creditor Company FI Creditor Account Number </Cdtr> <CdtrAcct> <IBAN>FI </IBAN> </CdtrAcct> FI Example: <?xml version="1.0" encoding="utf-8"?> <!--Instance XML file generated by Carsten I. Pedersen for Danish Bankers' Association in > <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xmlns:xsi=" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain C:\Data\NORDIC~1\ISO20022_Maintenance2010\XSD\pain xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID-FiFi00102</MsgId> <CreDtTm> T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> <Nm>Group Finance</Nm> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID </PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <SvcLvl> <Cd>URGP</Cd> Page 63 of 74

64 </SvcLvl> <CtgyPurp> <Cd>SUPP</Cd> </CtgyPurp> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>Debtor Company</Nm> </Dbtr> <DbtrAcct> <IBAN>DK </IBAN> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>NDEADKKK</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>INSTRID-FiFi0102</InstrId> <EndToEndId>PQENDTOENDID-FiFi0102</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy = "DKK"> </InstdAmt> </Amt> <ChrgBr>DEBT</ChrgBr> <CdtrAgt> <FinInstnId> <BIC>NDEAFIHH</BIC> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>Creditor Company</Nm> <Ctry>FI</Ctry> </Cdtr> <CdtrAcct> <IBAN>FI </IBAN> </CdtrAcct> <RmtInf> <Ustrd>Invoices 5123 and 3521</Ustrd> Page 64 of 74

65 </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 65 of 74

66 Template Service Independent Status Reports Business Function Description of the service. Data Element Element Code / Value Message <MsgId> Status-DKCOM-3210P Initiating Party <InitgPty> <BICOrBEI> <Cd> Original Message <OrgnlMsgId> Original Message Name <OrgnlMsgNmId> Original Payment Information <OrgnlPmtInfId> Original End To End <OrgnlEndToEndId> Group Status/ <GrpSts>/<PmtInfSts>/<TxSts> Payment Information Status/ Transaction Status Reason <StsRsnInf> <Rsn> <Cd>AM04</Cd> Example: An examples follows here. DANISH CUSTOMER STATUS REPORT EXAMPLES After sending a CustomerCreditTransfer, the DK Company receives a CustomerPaymentStatusReport according to a bilateral agreement with the DebtorAgent for the payment instruction: An invoice with number WEBDKK-0001 with 1000 DKK is instructed to be paid to CAPE Webconsult. As this invoice is paid - The DK Company receives a CustomerPaymentStatus Report for the instruction. Page 66 of 74

67 Status on a Group - Reject (Message) Business Function: Rejection a Group. Message is returned only. Data Element Element Code / Value Message <MsgId> Status-DKCOM-3210P Initiating Party <InitgPty> <BICOrBEI>DABADKKK </BICOrBEI> <Cd>CUST</Cd> DABADKKK (Bank) (Customer) CUST </InitgPty> Original Message <OrgnlMsgId> DKCOM-3210 Original Message Name <OrgnlMsgNmId> pain Original Payment Information <OrgnlPmtInfId> Original End To End <OrgnlEndToEndId> Group Status/ <GrpSts>/<PmtInfSts>/<TxSts> RJCT Payment Information Status/ Transaction Status Reason <StsRsnInf> <Rsn> <Cd>AM04</Cd> <!-- AM04 = Insufficient Funds to cover amount --> </Rsn> </StsRsnInf> AM04 Example: <?xml version="1.0" encoding="utf-8"?> <!--Instance XML file generated by Carsten I. Pedersen for Danish Bankers' Association in > <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xmlns:xsi=" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain C:\Data\DANISH CGI~1\ISO20022_Maintenance2009\XSD\pain xsd"> <CstmrPmtStsRpt> <GrpHdr> <MsgId>Status-DKCOM-3210P</MsgId> <CreDtTm> T10:37:56+01:00</CreDtTm> <InitgPty> <BICOrBEI>DABADKKK</BICOrBEI> <!-- Bank as sender--> Page 67 of 74

68 <!-- Customer as receiver--> <Cd>CUST</Cd> </InitgPty> </GrpHdr> <OrgnlGrpInfAndSts> <OrgnlMsgId>DKCOM-3210</OrgnlMsgId> <OrgnlMsgNmId>pain </OrgnlMsgNmId> <GrpSts>RJCT</GrpSts> <!-- Group Status = Rejected --> <StsRsnInf> <Rsn> <Cd>AM04</Cd> <!-- AM04 = Insufficient Funds to cover amount --> </Rsn> <AddtlInf>Payment System Error Code: XXIF - Insufficient Funds to cover amount.</addtlinf> </StsRsnInf> </OrgnlGrpInfAndSts> </CstmrPmtStsRpt> </Document> Page 68 of 74

69 Status on a Debit Entry - Reject (PaymentInformation) Business Function: Rejection a Debit Entry. Message and OriginalPaymentInformation is returned. Data Element Element Code / Value Message <MsgId> Status-DKCOM-3210P Initiating Party <InitgPty> <BICOrBEI>DABADKKK </BICOrBEI> <Cd>CUST</Cd> DABADKKK (Bank) (Customer) CUST </InitgPty> Original Message <OrgnlMsgId> DKCOM-3210 Original Message Name <OrgnlMsgNmId> pain Original Payment Information <OrgnlPmtInfId> DKCOM Original End To End <OrgnlEndToEndId> Group Status/ <GrpSts>/<PmtInfSts>/<TxSts> RJCT Payment Information Status/ Transaction Status Reason <StsRsnInf> <Rsn> <Cd>AM04</Cd> <!-- AM04 = Insufficient Funds to cover amount --> </Rsn> </StsRsnInf> AM04 Example: <?xml version="1.0" encoding="utf-8"?> <!--Instance XML file generated by Carsten I. Pedersen for Danish Bankers' Association in > <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xmlns:xsi=" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain C:\Data\DANISH CGI~1\ISO20022_Maintenance2009\XSD\pain xsd"> <CstmrPmtStsRpt> <GrpHdr> <MsgId>Status-DKCOM-3210P</MsgId> <CreDtTm> T10:37:56+01:00</CreDtTm> <InitgPty> <BICOrBEI>DABADKKK</BICOrBEI> Page 69 of 74

70 <Cd>CUST</Cd> </InitgPty> </GrpHdr> <OrgnlGrpInfAndSts> <OrgnlMsgId>DKCOM-3210</OrgnlMsgId> <OrgnlMsgNmId>pain </OrgnlMsgNmId> </OrgnlGrpInfAndSts> <OrgnlPmtInfAndSts> <OrgnlPmtInfId>DKCOM </OrgnlPmtInfId> <PmtInfSts>RJCT</PmtInfSts> <!-- Payment Status = Rejected --> <StsRsnInf> <Rsn> <Cd>AM04</Cd> <!-- AM04 = Insufficient Funds to cover amount --> </Rsn> <AddtlInf>Payment System Error Code: XXIF - Insufficient Funds to cover amount.</addtlinf> </StsRsnInf> </OrgnlPmtInfAndSts> </CstmrPmtStsRpt> </Document> Page 70 of 74

71 Status on a Credit Entry - Reject (EndToEnd) Business Function: Rejection a Credit Entry. Message, OriginalPaymentInformation and OriginalEndToEnd is returned. Data Element Element Code / Value Message <MsgId> Status-DKCOM-3210E1 Initiating Party <InitgPty> <BICOrBEI>DABADKKK </BICOrBEI> <Cd>CUST</Cd> DABADKKK (Bank) (Customer) CUST </InitgPty> Original Message <OrgnlMsgId> DKCOM-3210 Original Message Name <OrgnlMsgNmId> pain Original Payment Information <OrgnlPmtInfId> DKCOM Original End To End <OrgnlEndToEndId> DKCOM Group Status/ <GrpSts>/<PmtInfSts>/<TxSts> RJCT Payment Information Status/ Transaction Status Reason <StsRsnInf> <Rsn> <Cd>AM04</Cd> <!-- AM04 = Insufficient Funds to cover amount --> </Rsn> </StsRsnInf> AM04 Example: Status on a credit entry - Reject (EndToEnd): <?xml version="1.0" encoding="utf-8"?> <!--Instance XML file generated by Carsten I. Pedersen for Danish Bankers' Association in > <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xmlns:xsi=" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain C:\Data\DANISH CGI~1\ISO20022_Maintenance2009\XSD\pain xsd"> <CstmrPmtStsRpt> <GrpHdr> <MsgId>Status-DKCOM-3210E1</MsgId> <CreDtTm> T10:37:56+01:00</CreDtTm> <InitgPty> Page 71 of 74

72 <BICOrBEI>DABADKKK</BICOrBEI> <Cd>CUST</Cd> </InitgPty> </GrpHdr> <OrgnlGrpInfAndSts> <OrgnlMsgId>DKCOM-3210</OrgnlMsgId> <OrgnlMsgNmId>pain </OrgnlMsgNmId> </OrgnlGrpInfAndSts> <OrgnlPmtInfAndSts> <OrgnlPmtInfId>DKCOM </OrgnlPmtInfId> <TxInfAndSts> <OrgnlEndToEndId>DKCOM </OrgnlEndToEndId> <TxSts>RJCT</TxSts> <!-- Transaction Status = Rejected --> <StsRsnInf> <Rsn> <Cd>AM04</Cd> <!-- AM04 = Insufficient Funds to cover amount --> </Rsn> <AddtlInf>Payment System Error Code: XXIF - Insufficient Funds to cover amount.</addtlinf> </StsRsnInf> </TxInfAndSts> </OrgnlPmtInfAndSts> </CstmrPmtStsRpt> </Document> Page 72 of 74

73 Status on a Credit Entry - Accepted (EndToEnd) Business Function: Credit Entry Accepted. Message, OriginalPaymentInformation and OriginalEndToEnd is returned. Data Element Element Code / Value Message <MsgId> Status-DKCOM-3210E2 Initiating Party <InitgPty> <BICOrBEI>DABADKKK </BICOrBEI> <Cd>CUST</Cd> DABADKKK (Bank) (Customer) CUST </InitgPty> Original Message <OrgnlMsgId> DKCOM-3210 Original Message Name <OrgnlMsgNmId> pain Original Payment Information <OrgnlPmtInfId> DKCOM Original End To End <OrgnlEndToEndId> DKCOM Group Status/ <GrpSts>/<PmtInfSts>/<TxSts> ACSP Payment Information Status/ Transaction Status Reason <StsRsnInf> <Rsn> </Rsn> </StsRsnInf> Example: <?xml version="1.0" encoding="utf-8"?> <!--Instance XML file generated by Carsten I. Pedersen for Danish Bankers' Association in > <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain " xmlns:xsi=" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain C:\Data\DANISH CGI~1\ISO20022_Maintenance2009\XSD\pain xsd"> <CstmrPmtStsRpt> <GrpHdr> <MsgId>Status-DKCOM-3210E2</MsgId> <CreDtTm> T10:37:56+01:00</CreDtTm> <InitgPty> <BICOrBEI>DABADKKK</BICOrBEI> Page 73 of 74

74 <Cd>CUST</Cd> </InitgPty> </GrpHdr> <OrgnlGrpInfAndSts> <OrgnlMsgId>DKCOM-3210</OrgnlMsgId> <OrgnlMsgNmId>pain </OrgnlMsgNmId> </OrgnlGrpInfAndSts> <OrgnlPmtInfAndSts> <OrgnlPmtInfId>DKCOM </OrgnlPmtInfId> <TxInfAndSts> <OrgnlEndToEndId>DKCOM </OrgnlEndToEndId> <TxSts>ACSP</TxSts> <!-- Transaction Status = Accepted back office, including any additional profile checks and passed to clearing--> </TxInfAndSts> </OrgnlPmtInfAndSts> </CstmrPmtStsRpt> </Document> Page 74 of 74