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
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
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 20022 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 0 1 2 3 4 5 6 7 8 9 / -? : ( )., ' + 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
- Tax Id (DK Tax ): NKS + 8 digits Example: Code Type Example NKC CPR-number NKC+1234567890 NKV CVR-number NKV+12345678 NKP CVR-number with P- NKP+12345678/1234567890 number NKR CVR-nummer with Tax Id NKR+12345678/12345678 NKS Tax Id NKS+12345678 Page 4 of 74
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
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> 123456789 30000987654321 <Cd>BBAN</Cd> <Ccy>DKK</Ccy> Message Item <XML tag> /Element Code / Value Payment Information <PmtInfId>DEBENTID- DEBENTID-12345678902 12345678901</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 356 --> </CtgyPurp> </PmtTpInf> Requested Execution Date <ReqdExctnDt>2012-12- 2012-12-18 18</ReqdExctnDt> Debtor name and address <Dbtr> <Nm>Nils Nielsen</Nm> </Dbtr> Nils Nielsen DK </DbtrAcct> <InstrId>CR3REF- Webservice</InstrId> <EndToEndId>PQENDTOENDID- 12345678901</EndToEndId> 123456789 BANK 30000987654321 (DK3030000987654321) BBAN DKK CR3REF-Webservice PQENDTOENDID-12345678902 Page 6 of 74
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 --> <!-- 0086 = 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 20022 PuposeCode (BECH, INTX, PENS, REFU, RENT, SALA, SUPP or other) <InstdAmt Ccy="DKK">10666.00</InstdAmt> "DKK" 10666.00 <CdtrAcct> 20001234567890 <Cd>BBAN</Cd> </CdtrAcct> <Cdtr> <Nm>CAPE Webconsult Aps.</Nm> <StrtNm>Markvejen</StrtNm> <BldgNb>103</BldgNb> <PstCd>4600</PstCd> <TwnNm>Koege</TwnNm> </Cdtr> 20001234567890 (DK2720001234567890) BBAN CAPE Webconsult Aps. Markvejen 103 4600 Koege DK Page 7 of 74
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 2012--> <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/xmlschema-instance" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 C:\Data\NORDIC~1\ISO20022_Maintenance2010\XSD\pain.001.001.03.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID-12345678902</MsgId> <CreDtTm>2012-12-17T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas3342312aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> 123456789 </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID-12345678902</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <SvcLvl> Page 8 of 74
<Cd>NURG</Cd> </SvcLvl> <CtgyPurp> <Cd>SUPP</Cd> </CtgyPurp> </PmtTpInf> <ReqdExctnDt>2012-12-18</ReqdExctnDt> <Dbtr> <Nm>Nils Nielsen</Nm> 123456789 </Dbtr> <DbtrAcct> 30000987654321 <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>CR3REF-Webservice</InstrId> <EndToEndId>PQENDTOENDID-12345678902</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">10666.00</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>4600</PstCd> <TwnNm>Koege</TwnNm> Page 9 of 74
</Cdtr> <CdtrAcct> 20001234567890 <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 --> <!-- 0086/ = 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
Denmark, Direct Credit With Advice On Statement (RF Creditor Reference) Business Function: Account to account credit transfer with RF Creditor Reference ISO 11649. Debtor s Organization Debit Account Number Instruction ID End-to-end ID <Dbtr> </Dbtr> <DbtrAcct> 123456789 30000987654321 <Cd>BBAN</Cd> <Ccy>DKK</Ccy> Message Item <XML tag> /Element Code / Value Payment Information <PmtInfId>DEBENTID- DEBENTID-12345678902 12345678901</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 356 --> </CtgyPurp> </PmtTpInf> Requested Execution Date <ReqdExctnDt>2012-12- 2012-12-18 18</ReqdExctnDt> Debtor name and address <Dbtr> <Nm>Nils Nielsen</Nm> </Dbtr> Nils Nielsen DK </DbtrAcct> <InstrId>CR3REF- Webservice</InstrId> <EndToEndId>PQENDTOENDID- 12345678901</EndToEndId> 123456789 BANK 30000987654321 (DK3030000987654321) BBAN DKK CR3REF-Webservice PQENDTOENDID-12345678902 Page 11 of 74
Message Item <XML tag> /Element Code / Value Purpose <Purp> <Cd>SDCL</Cd> <!-- TextCode is forwarded beyond DebtorAgent --> <Purp><Cd> to ISO 20022 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">10666.00</InstdAmt> "DKK" 10666.00 <CdtrAcct> 20001234567890 <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 20001234567890 (DK2720001234567890) BBAN CAPE Webconsult Aps. Markvejen 103 4600 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 2013--> <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/xmlschema-instance" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 C:\Data\ISO20022\Maintenance2009\XSD\pain.001.001.03.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID-12345678902</MsgId> <CreDtTm>2013-09-12T09:30:47+02:00</CreDtTm> <Authstn> <Prtry>3342312aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> Page 12 of 74
123456789 </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID-12345678902</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>2013-09-12</ReqdExctnDt> <Dbtr> <Nm>Anders Andersen</Nm> 123456789 </Dbtr> <DbtrAcct> 30000987654321 <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> Page 13 of 74
<InstrId>OWNREF-CR3REF-Webservice</InstrId> <EndToEndId>PQENDTOENDID-12345678902</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> 20001234567890 <Cd>BBAN</Cd> </CdtrAcct> <Purp> <Cd>SUPP</Cd> </Purp> <RmtInf> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> <Issr>ISO</Issr> </Tp> <Ref>RF18539007547034</Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 14 of 74
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> 20001234567890 <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> Message Item <XML tag> /Element Code / Value Payment Information <PmtInfId>DEBENTID- DEBENTID-12345678904 12345678904</PmtInfId> Payment Method <PmtMtd>TRF</PmtMtd> TRF Payment Type Information <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> NURG </SvcLvl> </PmtTpInf> Requested Execution Date <ReqdExctnDt>2012-12- 2012-12-18 18</ReqdExctnDt> Debtor name and address <Dbtr> <Nm>Nils Nielsen</Nm> Nils Nielsen DK </Dbtr> Debtor s Organization <Dbtr> 123456789 123456789 BANK <InstrId>CR3REF- Webservice</InstrId> <EndToEndId>PQENDTOENDID- 12345678904</EndToEndId> <InstdAmt Ccy="DKK">866.06</InstdAmt> 20001234567890 (DK2720001234567890) BBAN DKK CR3REF-Webservice PQENDTOENDID- 12345678904 DKK" 866.06 Page 15 of 74
Message Item <XML tag> /Element Code / Value Creditor Account Number <CdtrAcct> 1234567 <Prtry> OCR</Prtry> 1234567 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: +45 3300 0033</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: +45 3300 0033 (Max1435Text) SCOR Example: <?xml version="1.0" encoding="utf-8"?> <!--Instance XML file generated by Carsten I. Pedersen for Danish Bankers' Association in 2012--> <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/xmlschema-instance" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 C:\Data\NORDIC~1\ISO20022_Maintenance2010\XSD\pain.001.001.03.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID-12345678904</MsgId> <CreDtTm>2012-12-17T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas3342312aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> 123456789 01 Page 16 of 74
</InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID-12345678904</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt>2012-12-18</ReqdExctnDt> <Dbtr> <Nm>Nils Nielsen</Nm> 123456789 </Dbtr> <DbtrAcct> 20001234567890 <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>NDEADKKK</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>CR3REF-Webservice</InstrId> <EndToEndId>PQENDTOENDID-12345678904</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">866.06</InstdAmt> </Amt> <ChrgBr>DEBT</ChrgBr> <CdtrAgt> <FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </CdtrAgt> Page 17 of 74
<Cdtr> <Nm>CAPE Webconsult Aps.</Nm> </Cdtr> <CdtrAcct> 1234567 <Prtry>OCR</Prtry> </CdtrAcct> <RmtInf> <Ustrd>Payment for webservices related to the new MS SQL web server. Phonenumber: +45 3300 0033</Ustrd> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>01/</Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 18 of 74
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> 20001234567890 <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> Message Item <XML tag> /Element Code / Value Payment Information <PmtInfId>DEBENTID- DEBENTID-12345678905 12345678905</PmtInfId> Payment Method <PmtMtd>TRF</PmtMtd> TRF Payment Type Information <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> NURG </SvcLvl> </PmtTpInf> Requested Execution Date <ReqdExctnDt>2012-12- 2012-12-18 18</ReqdExctnDt> Debtor name and address <Dbtr> <Nm>Nils Nielsen</Nm> Nils Nielsen DK </Dbtr> Debtor s Organization 123456789 123456789 BANK <InstrId>CR3REF- Webservice</InstrId> <EndToEndId>PQENDTOENDID- 12345678905</EndToEndId> 20001234567890 (DK2720001234567890) BBAN DKK CR3REF-Webservice PQENDTOENDID- 12345678905 <InstdAmt Ccy="DKK">866.06</InstdAmt> "DKK" 866.06 Page 19 of 74
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 1234567 <Prtry> OCR</Prtry> </CdtrAcct> <RmtInf> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>04/1234567890123456</Ref> </CdtrRefInf> </Strd> </RmtInf> 1234567 OCR SCOR 04/1234567890123456 Example: <?xml version="1.0" encoding="utf-8"?> <!--Instance XML file generated by Carsten I. Pedersen for Danish Bankers' Association in 2012--> <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/xmlschema-instance" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 C:\Data\NORDIC~1\ISO20022_Maintenance2010\XSD\pain.001.001.03.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID-12345678905</MsgId> <CreDtTm>2012-12-18T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas3342312aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> 123456789 </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID-12345678905</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> Page 20 of 74
<SvcLvl> <Cd>NURG</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt>2012-12-18</ReqdExctnDt> <Dbtr> <Nm>Nils Nielsen</Nm> 123456789 </Dbtr> <DbtrAcct> 20001234567890 <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>NDEADKKK</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>CR3REF-Webservice</InstrId> <EndToEndId>PQENDTOENDID-12345678905</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
1234567 <Prtry>OCR</Prtry> </CdtrAcct> <RmtInf> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>04/1234567890123456</Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 22 of 74
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> 20001234567890 <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> Message Item <XML tag> /Element Code / Value Payment Information <PmtInfId>DEBENTID- DEBENTID-12345678906 12345678906</PmtInfId> Payment Method <PmtMtd>TRF</PmtMtd> TRF Payment Type Information <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> NURG </SvcLvl> </PmtTpInf> Requested Execution Date <ReqdExctnDt>2012-12- 2012-12-18 18</ReqdExctnDt> Debtor name and address <Dbtr> <Nm>Nils Nielsen</Nm> Nils Nielsen DK </Dbtr> Debtor s Organization 123456789 123456789 BANK <InstrId>CR3REF- Webservice</InstrId> <EndToEndId>PQENDTOENDID- 12345678906</EndToEndId> 20001234567890 (DK272000123456789) BBAN DKK CR3REF-Webservice PQENDTOENDID- 12345678906 <InstdAmt Ccy="DKK">866.06</InstdAmt> "DKK" 866.06 Page 23 of 74
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 1234567 <Prtry> OCR</Prtry> </CdtrAcct> <RmtInf> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>15/1234567890123456</Ref> </CdtrRefInf> </Strd> </RmtInf> 1234567 OCR SCOR 15/1234567890123456 Page 24 of 74
Example: <?xml version="1.0" encoding="utf-8"?> <!--Instance XML file generated by Carsten I. Pedersen for Danish Bankers' Association in 2012--> <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/xmlschema-instance" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 C:\Data\NORDIC~1\ISO20022_Maintenance2010\XSD\pain.001.001.03.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID-12345678906</MsgId> <CreDtTm>2012-12-17T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas3342312aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> 123456789 </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID-12345678906</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt>2012-12-18</ReqdExctnDt> <Dbtr> <Nm>Nils Nielsen</Nm> 123456789 </Dbtr> <DbtrAcct> 20001234567890 <Cd>BBAN</Cd> Page 25 of 74
<Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>NDEADKKK</BIC> </FinInstnId> </DbtrAgt> <ChrgsAcct> 20001234567890 <Cd>BBAN</Cd> </ChrgsAcct> <CdtTrfTxInf> <PmtId> <InstrId>CR3REF-Webservice</InstrId> <EndToEndId>PQENDTOENDID-12345678906</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> 1234567 <Prtry>OCR</Prtry> </CdtrAcct> <RmtInf> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>15/1234567890123456</Ref> </CdtrRefInf> Page 26 of 74
</Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 27 of 74
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> 30000987654321 <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> Message Item <XML tag> /Element Code / Value Payment Information <PmtInfId>DEBENTID- DEBENTID-12345678907 12345678907</PmtInfId> Payment Method <PmtMtd>TRF</PmtMtd> TRF Payment Type Information <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> NURG </SvcLvl> </PmtTpInf> Requested Execution Date <ReqdExctnDt>2012-12- 2012-12-18 18</ReqdExctnDt> Debtor name and address <Dbtr> <Nm>Nils Nielsen</Nm> Nils Nielsen DK </Dbtr> Debtor s Organization 123456789 123456789 BANK <InstrId>CR3REF- Webservice</InstrId> <EndToEndId>PQENDTOENDID- 12345678907</EndToEndId> 30000987654321 (DK3030000987654321) BBAN DKK CR3REF-Webservice PQENDTOENDID- 12345678907 <InstdAmt Ccy="DKK">666.06</InstdAmt> "DKK" 666.06 Page 28 of 74
Message Item <XML tag> /Element Code / Value Creditor Account Number <CdtrAcct> 87654321 <Prtry> OCR</Prtry> </CdtrAcct> 87654321 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>71/123456789012345</Ref> </CdtrRefInf> </Strd> </RmtInf> SCOR 71/123456789012345 Example: <?xml version="1.0" encoding="utf-8"?> <!--Instance XML file generated by Carsten I. Pedersen for Danish Bankers' Association in 2012--> <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/xmlschema-instance" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 C:\Data\NORDIC~1\ISO20022_Maintenance2010\XSD\pain.001.001.03.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID-12345678907</MsgId> <CreDtTm>2012-12-17T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas3342312aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> 123456789 </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID-12345678907</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> Page 29 of 74
<SvcLvl> <Cd>NURG</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt>2012-12-18</ReqdExctnDt> <Dbtr> <Nm>Nils Nielsen</Nm> 123456789 </Dbtr> <DbtrAcct> 30000987654321 <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </DbtrAgt> <ChrgsAcct> 30000987654321 <Cd>BBAN</Cd> </ChrgsAcct> <CdtTrfTxInf> <PmtId> <InstrId>CR3REF-Webservice</InstrId> <EndToEndId>PQENDTOENDID-12345678907</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">666.06</InstdAmt> </Amt> <ChrgBr>DEBT</ChrgBr> <CdtrAgt> <FinInstnId> <BIC>PBSEDK21</BIC> </FinInstnId> Page 30 of 74
</CdtrAgt> <Cdtr> <Nm>CAPE Webconsult Aps.</Nm> </Cdtr> <CdtrAcct> 87654321 <Prtry>OCR</Prtry> </CdtrAcct> <RmtInf> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>71/123456789012345</Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 31 of 74
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> 30000987654321 <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> Message Item <XML tag> /Element Code / Value Payment Information <PmtInfId>DEBENTID- DEBENTID-12345678908 12345678908</PmtInfId> Payment Method <PmtMtd>TRF</PmtMtd> TRF Payment Type Information <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> NURG </SvcLvl> </PmtTpInf> Requested Execution Date <ReqdExctnDt>2012-12- 2012-12-18 18</ReqdExctnDt> Debtor name and address <Dbtr> <Nm>Nils Nielsen</Nm> Nils Nielsen DK </Dbtr> Debtor s Organization 123456789 123456789 BANK <InstrId>CR3REF- Webservice</InstrId> <EndToEndId>PQENDTOENDID- 12345678908</EndToEndId> <InstdAmt Ccy="DKK">666.06</InstdAmt> 30000987654321 (DK3030000987654321) BBAN DKK CR3REF-Webservice PQENDTOENDID- 12345678908 "DKK">666.06 Page 32 of 74
Message Item <XML tag> /Element Code / Value Creditor Account Number <CdtrAcct> 12345678 <Prtry> OCR</Prtry> </CdtrAcct> 12345678 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: +45 3300 0033</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: +45 3300 0033 (Max1435Text) SCOR Example: <?xml version="1.0" encoding="utf-8"?> <!--Instance XML file generated by Carsten I. Pedersen for Danish Bankers' Association in 2012--> <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/xmlschema-instance" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 C:\Data\NORDIC~1\ISO20022_Maintenance2010\XSD\pain.001.001.03.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID-12345678908</MsgId> <CreDtTm>2012-12-17T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas3342312aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> 123456789 </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID-12345678908</PmtInfId> 73 Page 33 of 74
<PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt>2012-12-18</ReqdExctnDt> <Dbtr> <Nm>Nils Nielsen</Nm> 123456789 </Dbtr> <DbtrAcct> 30000987654321 <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>CR3REF-Webservice</InstrId> <EndToEndId>PQENDTOENDID-12345678908</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
<CdtrAcct> 12345678 <Prtry>OCR</Prtry> </CdtrAcct> <RmtInf> <Ustrd>Payment for webservices related to the new MS SQL web server. Phonenumber: +45 3300 0033</Ustrd> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>73/</Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 35 of 74
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> 30000987654321 <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> Message Item <XML tag> /Element Code / Value Payment Information <PmtInfId>DEBENTID- DEBENTID-12345678909 12345678909</PmtInfId> Payment Method <PmtMtd>TRF</PmtMtd> TRF Payment Type Information <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> NURG </SvcLvl> </PmtTpInf> Requested Execution Date <ReqdExctnDt>2012-12- 2012-12-18 18</ReqdExctnDt> Debtor name and address <Dbtr> <Nm>Nils Nielsen</Nm> Nils Nielsen DK </Dbtr> Debtor s Organization 123456789 123456789 BANK <InstrId>CR3REF- Webservice</InstrId> <EndToEndId>PQENDTOENDID- 12345678909</EndToEndId> 30000987654321 (DK3030000987654321) BBAN DKK CR3REF-Webservice PQENDTOENDID- 12345678909 <InstdAmt Ccy="DKK">666.66</InstdAmt> "DKK" 666.66 Page 36 of 74
Message Item <XML tag> /Element Code / Value Creditor Account Number <CdtrAcct> 12345678 <Prtry> OCR</Prtry> </CdtrAcct> 12345678 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>75/1234567890123456</Ref> </CdtrRefInf> </Strd> </RmtInf> Payment for webservices related to the new MS SQL web server (Max1435Text) SCOR 75/1234567890123456 Example: <?xml version="1.0" encoding="utf-8"?> <!--Instance XML file generated by Carsten I. Pedersen for Danish Bankers' Association in 2012--> <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/xmlschema-instance" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 C:\Data\NORDIC~1\ISO20022_Maintenance2010\XSD\pain.001.001.03.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID-12345678909</MsgId> <CreDtTm>2012-12-17T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas3342312aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> 123456789 </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID-12345678909</PmtInfId> Page 37 of 74
<PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt>2012-12-18</ReqdExctnDt> <Dbtr> <Nm>Nils Nielsen</Nm> 123456789 </Dbtr> <DbtrAcct> 30000987654321 <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>CR3REF-Webservice</InstrId> <EndToEndId>PQENDTOENDID-12345678909</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
<CdtrAcct> 12345678 <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>75/1234567890123456</Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 39 of 74
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> 123456789 30000987654321 <Cd>BBAN</Cd> <Ccy>DKK</Ccy> Message Item <XML tag> /Element Code / Value Payment Information <PmtInfId>DEBENTID- DEBENTID-12345678901 12345678901</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 356 --> </CtgyPurp> </PmtTpInf> Requested Execution Date <ReqdExctnDt>2012-12- 2012-12-18 18</ReqdExctnDt> Debtor name and address <Dbtr> <Nm>Nils Nielsen</Nm> </Cdtr> Nils Nielsen DK </DbtrAcct> <InstrId>CR3REF- Webservice</InstrId> <EndToEndId>PQENDTOENDID- 12345678901</EndToEndId> 123456789 BANK 30000987654321 (DK3030000987654321) BBAN DKK CR3REF-Webservice PQENDTOENDID- 12345678901 Page 40 of 74
Message Item <XML tag> /Element Code / Value Amount <InstdAmt Ccy="DKK"> "DKK" 10666.00 10666.00</InstdAmt> Credit Account Number <CdtrAcct> 12345678 <Prtry> NKV</Prtry> 12345678 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 103 4600 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
Example: <?xml version="1.0" encoding="utf-8"?> <!--Instance XML file generated by Carsten I. Pedersen for Danish Bankers' Association in 2012--> <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/xmlschema-instance" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 C:\Data\NORDIC~1\ISO20022_Maintenance2010\XSD\pain.001.001.03.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID-12345678901</MsgId> <CreDtTm>2012-12-17T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas3342312aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> 123456789 </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID-12345678901</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> <CtgyPurp> <Cd>SUPP</Cd> <!-- Not forwarded beyond DebitorAgent in UDUS 356 --> </CtgyPurp> </PmtTpInf> <ReqdExctnDt>2012-12-18</ReqdExctnDt> <Dbtr> <Nm>Nils Nielsen</Nm> 123456789 </Dbtr> <DbtrAcct> Page 42 of 74
30000987654321 <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>CR3REF-Webservice</InstrId> <EndToEndId>PQENDTOENDID-12345678901</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">10666.00</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> 12345678 <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
<!-- 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
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> 123456789 30000987654321 <Cd>BBAN</Cd> <Ccy>DKK</Ccy> Message Item <XML tag> /Element Code / Value Payment Information <PmtInfId>DEBENTID- DEBENTID-12345678901 12345678901</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 356 --> </CtgyPurp> </PmtTpInf> Requested Execution Date <ReqdExctnDt>2012-12- 2012-12-18 18</ReqdExctnDt> Debtor name and address <Dbtr> <Nm>Nils Nielsen</Nm> </Cdtr> Nils Nielsen DK </DbtrAcct> <InstrId>CR3REF- Webservice</InstrId> <EndToEndId>PQENDTOENDID- 12345678901</EndToEndId> 123456789 BANK 30000987654321 (DK3030000987654321) BBAN DKK CR3REF-Webservice PQENDTOENDID- 12345678901 Page 45 of 74
Message Item <XML tag> /Element Code / Value Amount <InstdAmt Ccy="DKK"> "DKK" 10666.00 10666.00</InstdAmt> Credit Account Number <CdtrAcct> 1234567890 <Prtry> NKC</Prtry> 1234567890 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 103 4600 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
Example: <?xml version="1.0" encoding="utf-8"?> <!--Instance XML file generated by Carsten I. Pedersen for Danish Bankers' Association in 2012--> <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/xmlschema-instance" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 C:\Data\NORDIC~1\ISO20022_Maintenance2010\XSD\pain.001.001.03.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID-12345678901</MsgId> <CreDtTm>2012-12-17T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas3342312aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> 123456789 </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID-12345678901</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> <CtgyPurp> <Cd>SUPP</Cd> <!-- Not forwarded beyond DebitorAgent in UDUS 356 --> </CtgyPurp> </PmtTpInf> <ReqdExctnDt>2012-12-18</ReqdExctnDt> <Dbtr> <Nm>Nils Nielsen</Nm> 123456789 </Dbtr> <DbtrAcct> Page 47 of 74
30000987654321 <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>CR3REF-Webservice</InstrId> <EndToEndId>PQENDTOENDID-12345678901</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">10666.00</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> 1234567890 <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
<!-- 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
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- 12345678909CHK</PmtInfId> DEBENTID- 12345678909CHK Payment Method <PmtMtd>CHK</PmtMtd> CHK Payment Type Information Requested Execution Date <ReqdExctnDt>2012-12- 2012-12-18 18</ReqdExctnDt> Debtor name and address <Dbtr> <Nm>Nils Nielsen</Nm> Nils Nielsen DK </Dbtr> Debtor s Organization <Dbtr> 123456789 123456789 BANK Debit Account Number Instruction ID End-to-end ID Purpose Amount </Dbtr> <DbtrAcct> 30000987654321 <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> <InstrId>CR3REF- Webservice</InstrId> <EndToEndId>PQENDTOENDID- 12345678909CHK</EndToEndId> <InstdAmt Ccy="DKK"> 10666.00</InstdAmt> 30000987654321 (DK3030000987654321) BBAN DKK CR3REF-Webservice PQENDTOENDID- 12345678909CHK "DKK" 10666.00 Page 50 of 74
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 103 4600 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 103 4600 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 2012--> <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/xmlschema-instance" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 C:\Data\NORDIC~1\ISO20022_Maintenance2010\XSD\pain.001.001.03.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID-12345678909CHK</MsgId> <CreDtTm>2012-12-17T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas3342312aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> Page 51 of 74
123456789 </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID-12345678909CHK</PmtInfId> <PmtMtd>CHK</PmtMtd> <BtchBookg>false</BtchBookg> <ReqdExctnDt>2012-12-18</ReqdExctnDt> <Dbtr> <Nm>Nils Nielsen</Nm> 123456789 </Dbtr> <DbtrAcct> 30000987654321 <Cd>BBAN</Cd> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>CR3REF-Webservice</InstrId> <EndToEndId>PQENDTOENDID-12345678909CHK</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">10666.00</InstdAmt> </Amt> <ChrgBr>DEBT</ChrgBr> <ChqInstr> <ChqTp>BCHQ</ChqTp> <DlvryMtd> <Cd>MLCD</Cd> Page 52 of 74
</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
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-123456_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>2012-12-18</ReqdExctnDt> 2012-12-18 Date Debtor name and address Debtor s Organization Debtor Account Debtor Agent <Dbtr> <Nm> SPEED Model Racing Team Aps /Nm> </Dbtr> <Dbtr> 798000019034 </Dbtr> <DbtrAcct> <IBAN>DK8003450003179681</IBAN> <Ccy>EUR</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </DbtrAgt> SPEED Model Racing Team Aps DK 798000019034 DK8003450003179681 EUR DABADKKK Charge Bearer <ChrgBr>SLEV</ChrgBr> SLEV Instruction ID End-to-end ID <PmtId> <InstrId>INSTRID-IFMAR-2011</InstrId> <EndToEndId>PQENDTOENDID- 123456_sepa</EndToEndId> </PmtId> INSTRID-IFMAR-2011 PQENDTOENDID- 123456_sepa Page 54 of 74
Data Element Element Code / Value Amount Amt> <InstdAmt Ccy = "EUR">190.00</InstdAmt> "EUR" 190.00 </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-605 98 Norrkoping Sweden</AdrLine> </Cdtr> <CdtrAcct> <IBAN>SE4860000000000043109969</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-605 98 Norrkoping Sweden SE48600000000000431 09969 Fee for INTERNATIONAL FEDERATION OF MODEL AUTO RACING World Championship in Sweden in July 2011 Page 55 of 74
Example: <?xml version="1.0" encoding="utf-8"?> <!--Instance XML file generated by Carsten I. Pedersen for Danish Bankers' Association in 2012--> <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/xmlschema-instance" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 C:\Data\NORDIC~1\ISO20022_Maintenance2010\XSD\pain.001.001.03.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID-123456_sepa</MsgId> <CreDtTm>2012-12-17T09:30:47+01:00</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty> <Nm>SPEED Model Racing Team Aps.</Nm> 798000019034 </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID-123456_sepa</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <SvcLvl> <Cd>SEPA</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt>2012-12-18</ReqdExctnDt> <Dbtr> <Nm>SPEED Model Racing Team Aps.</Nm> 798000019034 </Dbtr> <DbtrAcct> <IBAN>DK8003450003179681</IBAN> <Ccy>EUR</Ccy> </DbtrAcct> <DbtrAgt> Page 56 of 74
<FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </DbtrAgt> <ChrgBr>SLEV</ChrgBr> <CdtTrfTxInf> <PmtId> <InstrId>INSTRID-IFMAR-2011</InstrId> <EndToEndId>PQENDTOENDID-123456_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-605 98 Norrkoping Sweden</AdrLine> </Cdtr> <CdtrAcct> <IBAN>SE4860000000000043109969</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
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-1234567891002</PmtInfId> DEBENTID- 1234567891002 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>2012-12-18</ReqdExctnDt> 2012-12-18 <Dbtr> <Nm>Debtor Company</Nm> </Dbtr> <Dbtr> 0987654321 <CtryOfRes>DK</CtryOfRes> </Dbtr> <DbtrAcct> <IBAN>DK8003450003179681</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 0987654321 DK DK8003450003179681 DKK NDEADKKK INSTRID-FiFi0102 PQENDTOENDID- FiFi0102 Page 58 of 74
Data Element Element Code / Value Amount <Amt> <InstdAmt Ccy = "DKK">5000.00</InstdAmt> "DKK" 5000.00 </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>FI8529501800020574</IBAN> </CdtrAcct> <RmtInf> <Ustrd>Invoices 5123 and 3521</Ustrd> </RmtInf> FI8529501800020574 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 2012--> <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/xmlschema-instance" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 C:\Data\NORDIC~1\ISO20022_Maintenance2010\XSD\pain.001.001.03.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID-FiFi00102</MsgId> <CreDtTm>2012-12-17T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas3342312aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> <Nm>Group Finance</Nm> 01234567890 </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID-1234567891002</PmtInfId> <PmtMtd>TRF</PmtMtd> Page 59 of 74
<BtchBookg>false</BtchBookg> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> <CtgyPurp> <Cd>SUPP</Cd> </CtgyPurp> </PmtTpInf> <ReqdExctnDt>2012-12-18</ReqdExctnDt> <Dbtr> <Nm>Debtor Company</Nm> 0987654321 </Dbtr> <DbtrAcct> <IBAN>DK8003450003179681</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">5000.00</InstdAmt> </Amt> <ChrgBr>DEBT</ChrgBr> <CdtrAgt> <FinInstnId> <BIC>NDEAFIHH</BIC> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>Creditor Company</Nm> <Ctry>FI</Ctry> </Cdtr> <CdtrAcct> <IBAN>FI8529501800020574</IBAN> Page 60 of 74
</CdtrAcct> <RmtInf> <Ustrd>Invoices 5123 and 3521</Ustrd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 61 of 74
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-1234567891002</PmtInfId> DEBENTID- 1234567891002 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>2012-12-18</ReqdExctnDt> 2012-12-18 <Dbtr> <Nm>Debtor Company</Nm> </Dbtr> <Dbtr> 0987654321 <CtryOfRes>DK</CtryOfRes> </Dbtr> <DbtrAcct> <IBAN>DK8003450003179681</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 0987654321 DK DK8003450003179681 NDEADKKK INSTRID-FiFi0102 PQENDTOENDID- FiFi0102 Page 62 of 74
Data Element Element Code / Value Amount <Amt> <InstdAmt Ccy = "DKK">1000010.00</InstdAmt> "DKK" 1000010.00 </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>FI8529501800020574</IBAN> </CdtrAcct> FI8529501800020574 Example: <?xml version="1.0" encoding="utf-8"?> <!--Instance XML file generated by Carsten I. Pedersen for Danish Bankers' Association in 2012--> <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/xmlschema-instance" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 C:\Data\NORDIC~1\ISO20022_Maintenance2010\XSD\pain.001.001.03.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID-FiFi00102</MsgId> <CreDtTm>2012-12-17T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas3342312aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> <Nm>Group Finance</Nm> 01234567890 </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID-1234567891002</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <SvcLvl> <Cd>URGP</Cd> Page 63 of 74
</SvcLvl> <CtgyPurp> <Cd>SUPP</Cd> </CtgyPurp> </PmtTpInf> <ReqdExctnDt>2012-12-18</ReqdExctnDt> <Dbtr> <Nm>Debtor Company</Nm> 0987654321 </Dbtr> <DbtrAcct> <IBAN>DK8003450003179681</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">1000010.00</InstdAmt> </Amt> <ChrgBr>DEBT</ChrgBr> <CdtrAgt> <FinInstnId> <BIC>NDEAFIHH</BIC> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>Creditor Company</Nm> <Ctry>FI</Ctry> </Cdtr> <CdtrAcct> <IBAN>FI8529501800020574</IBAN> </CdtrAcct> <RmtInf> <Ustrd>Invoices 5123 and 3521</Ustrd> Page 64 of 74
</RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Page 65 of 74
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
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> 123456789 <Cd>CUST</Cd> DABADKKK (Bank) 123456789 (Customer) CUST </InitgPty> Original Message <OrgnlMsgId> DKCOM-3210 Original Message Name <OrgnlMsgNmId> pain.001.001.03 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 2012--> <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.002.001.03" xmlns:xsi="http://www.w3.org/2001/xmlschema-instance" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain.002.001.03 C:\Data\DANISH CGI~1\ISO20022_Maintenance2009\XSD\pain.002.001.03.xsd"> <CstmrPmtStsRpt> <GrpHdr> <MsgId>Status-DKCOM-3210P</MsgId> <CreDtTm>2012-12-18T10:37:56+01:00</CreDtTm> <InitgPty> <BICOrBEI>DABADKKK</BICOrBEI> <!-- Bank as sender--> Page 67 of 74
123456789 <!-- Customer as receiver--> <Cd>CUST</Cd> </InitgPty> </GrpHdr> <OrgnlGrpInfAndSts> <OrgnlMsgId>DKCOM-3210</OrgnlMsgId> <OrgnlMsgNmId>pain.001.001.03</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
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> 123456789 <Cd>CUST</Cd> DABADKKK (Bank) 123456789 (Customer) CUST </InitgPty> Original Message <OrgnlMsgId> DKCOM-3210 Original Message Name <OrgnlMsgNmId> pain.001.001.03 Original Payment Information <OrgnlPmtInfId> DKCOM-012345 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 2012--> <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.002.001.03" xmlns:xsi="http://www.w3.org/2001/xmlschema-instance" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain.002.001.03 C:\Data\DANISH CGI~1\ISO20022_Maintenance2009\XSD\pain.002.001.03.xsd"> <CstmrPmtStsRpt> <GrpHdr> <MsgId>Status-DKCOM-3210P</MsgId> <CreDtTm>2012-12-18T10:37:56+01:00</CreDtTm> <InitgPty> <BICOrBEI>DABADKKK</BICOrBEI> Page 69 of 74
123456789 <Cd>CUST</Cd> </InitgPty> </GrpHdr> <OrgnlGrpInfAndSts> <OrgnlMsgId>DKCOM-3210</OrgnlMsgId> <OrgnlMsgNmId>pain.001.001.03</OrgnlMsgNmId> </OrgnlGrpInfAndSts> <OrgnlPmtInfAndSts> <OrgnlPmtInfId>DKCOM-012345</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
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> 123456789 <Cd>CUST</Cd> DABADKKK (Bank) 123456789 (Customer) CUST </InitgPty> Original Message <OrgnlMsgId> DKCOM-3210 Original Message Name <OrgnlMsgNmId> pain.001.001.03 Original Payment Information <OrgnlPmtInfId> DKCOM-012345 Original End To End <OrgnlEndToEndId> DKCOM-09887654321 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 2012--> <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.002.001.03" xmlns:xsi="http://www.w3.org/2001/xmlschema-instance" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain.002.001.03 C:\Data\DANISH CGI~1\ISO20022_Maintenance2009\XSD\pain.002.001.03.xsd"> <CstmrPmtStsRpt> <GrpHdr> <MsgId>Status-DKCOM-3210E1</MsgId> <CreDtTm>2012-12-18T10:37:56+01:00</CreDtTm> <InitgPty> Page 71 of 74
<BICOrBEI>DABADKKK</BICOrBEI> 123456789 <Cd>CUST</Cd> </InitgPty> </GrpHdr> <OrgnlGrpInfAndSts> <OrgnlMsgId>DKCOM-3210</OrgnlMsgId> <OrgnlMsgNmId>pain.001.001.03</OrgnlMsgNmId> </OrgnlGrpInfAndSts> <OrgnlPmtInfAndSts> <OrgnlPmtInfId>DKCOM-012345</OrgnlPmtInfId> <TxInfAndSts> <OrgnlEndToEndId>DKCOM-09887654321</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
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> 123456789 <Cd>CUST</Cd> DABADKKK (Bank) 123456789 (Customer) CUST </InitgPty> Original Message <OrgnlMsgId> DKCOM-3210 Original Message Name <OrgnlMsgNmId> pain.001.001.03 Original Payment Information <OrgnlPmtInfId> DKCOM-012345 Original End To End <OrgnlEndToEndId> DKCOM-09887654321 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 2012--> <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.002.001.03" xmlns:xsi="http://www.w3.org/2001/xmlschema-instance" xsi:schemalocation="urn:iso:std:iso:20022:tech:xsd:pain.002.001.03 C:\Data\DANISH CGI~1\ISO20022_Maintenance2009\XSD\pain.002.001.03.xsd"> <CstmrPmtStsRpt> <GrpHdr> <MsgId>Status-DKCOM-3210E2</MsgId> <CreDtTm>2012-12-18T10:37:56+01:00</CreDtTm> <InitgPty> <BICOrBEI>DABADKKK</BICOrBEI> 123456789 Page 73 of 74
<Cd>CUST</Cd> </InitgPty> </GrpHdr> <OrgnlGrpInfAndSts> <OrgnlMsgId>DKCOM-3210</OrgnlMsgId> <OrgnlMsgNmId>pain.001.001.03</OrgnlMsgNmId> </OrgnlGrpInfAndSts> <OrgnlPmtInfAndSts> <OrgnlPmtInfId>DKCOM-012345</OrgnlPmtInfId> <TxInfAndSts> <OrgnlEndToEndId>DKCOM-09887654321</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