NPC INSTANT CREDIT TRANSFER SCHEME CUSTOMER-TO-BANK RECOMMENDED IMPLEMENTATION GUIDELINES NPC013-01 / 2021 Version 1.1 / Date issued: 30 April 2021 / Date effective: 30 April 2021 Public

Nordic Payments Council – Company Registration Number 802524-8645 – Box 7306 – SE 103 94 Stockholm © 2021 Copyright Nordic Payments Council (NPC) Based on EPC121-16 SEPA Instant Credit Transfer Scheme Customer-to-Bank Implementation Guidelines 2019 v. 1.0 Conseil Européen des Paiements AISBL– Enterprise N° 0873.268.927 – Cours Saint-Michel 30 – B 1040 Brussels © 2018 Copyright European Payments Council (EPC) AISBL Reproduction for non-commercial purposes is authorized, with acknowledgement of the source NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

Abstract This document sets out the recommended rules for implementing the 2021 NPC Instant Credit Transfer Scheme Rulebook based on version 2009 of the customer-to-bank credit transfer ISO 20022 XML message

standards.

TABLE OF CONTENTS 0. Document Information ...... 3 0.1 References ...... 3 0.2 Change History ...... 4 0.3 Purpose of Document ...... 4 1. Introduction ...... 5 1.1 Coverage of the NPC customer-to-bank Implementation Guidelines...... 5 1.2 Use of these Guidelines by the instructing and instructed parties ...... 6 1.3 Notation Conventions ...... 7 1.4 Character Set ...... 8 1.5 General Message Element Specifications ...... 9 1.5.1 BIC ...... 9 1.5.2 Currency ...... 9 1.5.3 Alias and Proxy ...... 9 1.5.4 Structured creditor references, e.g. OCR-references...... 9 1.6 Implementation of ISO 20022 XML rules ...... 9 2 Recommended Customer-to-Bank and Bank-to-Customer messages ...... 10 2.1 Customer to Bank Credit Transfer Information (DS-01) ...... 10 2.1.1 Use of the Customer Credit Transfer Initiation (pain.001.001.03) ...... 10 2.2 Bank to Customer Reject, Negative or Positive Confirmation (based on DS-03) ...... 36 2.2.1 Recommended use of the Customer Payment Status Report (pain.002.001.03) ...... 36 2.2.2 Message Element Specifications ...... 48 3 List of changes in NCT Inst Customer-to-Bank Implementation Guidelines – Relative to v 1.0 ...... 50 3.1 List of changes v 1.1 relative to 2021 v1.0.1 ...... 50 3.2 List of changes v1.0.1 relative to 2021 v1.0 ...... 51

2 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

0. Document Information 0.1 References This section lists relevant documents of interest.

Document Title Issued by: Number

[1] NPC010-01 NPC Instant Credit Transfer Scheme Rulebook 2020 NPC Version 1.0 ISO 20022 XML Credit Transfers and Related Mes- [2] - sages, September 2009: • Initiation ISO 20022 • Clearing and Settlement

[3] ISO 3166 Country Codes ISO

[4] ISO 4217 Currency Code List ISO

[5] ISO 9362 Business Identifier Codes (BIC) ISO

[6] ISO 13616 IBAN: International Bank Account Number ISO 1

[7] ISO 11649 Structured creditor reference to remittance infor- ISO mation

[8] EPC230-15 Clarification Paper on the Use of Slashes in Refer- EPC ences, Identifications and Identifiers

[9] NPC100-01 NPC Scheme Currencies – currencies covered by the NPC Scheme

[10] NPC014-01 Maximum Amount for Instructions under the NPC In- NPC stant Credit Transfer Scheme Rulebook

1 See also http://www.swift.com/products/bic_registration/iban_format_registration

3 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

0.2 Change History

Issue Dated Reason for revision number

2019 v0.9 2019-01-18 DRAFT by Workstream Rulebook

2019 v0.91 2019-02-24 Final version from P27-project handed over to the NPC Updated version by the NPC with changes to terminology and nomenclature 2020 v0.92 2019-03-25 for the NPC.

2020 v0.93 2019-04-03 Updated version by the NPC WG Rulebook.

2020 v0.99 2019-06-07 First version for open consultation decided by the NPC Board.

2020 v0.991 2019-08-22 Minor layout changes. Change in table heading in 2.1.1. Update version based on Public Consultation of NCT Inst Rulebook and sugges- 2020 v0.992 2020-03-12 tions from the NCT & NCT Inst Working Group sent to SMC for decision.

2021 v.1.0 2020-03-27 Decided by NPC Scheme Management Committee (SMC) 26 Mars 2020. Updates suggested by NCT & NCT Inst WG and decided by the NPC Scheme 2021 v.1.0.1 2020-09-09 Management Committee (SMC) 10 June 2020. All changes listed in in chapter 3. Updates agreed by NCT & NCT Inst and decided by the NPC Scheme Manage- 2021 v.1.1 2021-04-30 ment Committee (SMC) 13 April 2021.

0.3 Purpose of Document The objective of these Guidelines is to define the recommended rules to be applied to the ISO 20022 XML message standards for the implementation of the NPC instant credit transfers (NCT Inst) in the cus- tomer-to-bank (C2B) space.

4 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

1. Introduction

This document sets out the NPC recommended rules for implementing the credit transfer ISO 20022 XML initiation message standards. The NPC Instant Credit Transfer Scheme Rulebook defines data sets which are implemented in the relevant ISO 20022 XML message standard of which the following are covered:

NPC Instant Credit Transfer Scheme Rulebook ISO 20022 XML Message Standards DS-01 Customer to Bank Credit Transfer Infor- Customer Credit Transfer Initiation mation (pain.001.001.03) DS-04 Bank to Customer NCT Inst Credit Transfer Statements/advice ISO 20022 XML standards dataset are covered separately. Negative, positive confirmation and reject based Customer Payment Status Report on DS-03 Confirmation Message to Originator Bank (pain.002.001.03)

The Guidelines for the customer-to-bank and bank-to-customer XML message standards are a recom- mendation from the NPC on how to support the XML message standards at the request of the Origina- tor or Beneficiary. This means that a Scheme Participant is recommended to accept the messages as described in these guidelines. 1.1 Coverage of the NPC customer-to-bank Implementation Guidelines The purpose of the NPC customer-to-bank Implementation Guidelines, hereafter referred to as the Guidelines, is to provide guidance on the use of the payment initiation ISO 20022 XML standards (the ‘pain’ messages) in initiating NPC core payments as defined in the NPC scheme rulebooks and supple- mented by processing requirements. The Guidelines are fully aligned to the NPC core requirements when defined in the Rulebook and iden- tify message elements needed for initiating NPC payments while recognizing message elements that may be available for use in Additional Optional Services (AOS), as shown below.

5 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

Global ISO 20022 XML Message Standards Message elements from Message elements that are man- Message elements Message elements the ISO messages corre- datory in the ISO messages or from the ISO mes- from ISO messages sponding to Rulebook needed for Processing sages available for not applicable to requirements use by AOS within an NPC NPC Governance framework NPC Implementation Guidelines for NPC Core subset, identify- To be developed and Not available for ing elements documented by AOS use in NPC pay- Communities ments - to be used as defined in ISO - to be used with NPC usage rules (from or completing the Rulebook) Note: yellow fields can be used in a specific way for an AOS. NPC Payments Figure 1 These Guidelines define the NPC Core Mandatory Subset2 of the Global ISO 20022 XML standard that consists of message elements: • required in the Rulebook as business requirements • needed for processing by banks, clearing and settlement mechanisms and bank customers Elements needed for specific national regulatory requirements are not considered in these guidelines. They have to be dealt with at national level without being regarded as an AOS. These message elements define the NPC core service and are denoted by yellow shading in the mes- sage structures given in the following chapters. Only these elements are further detailed with relevant NPC core requirements, such as the use of the message element, its components or the values that must be used. Usage rules, for example, may indicate limits on the number of repetitions, or code value restrictions, while format rules may be used to indicate the allowable combinations of components of a message element. These Guidelines also recognize message elements and the usage rules in the ISO 20022 XML standard that may be available for use in an AOS, subject to a governance framework to be defined by the NPC. The definition and documentation of these message elements are a matter for the AOS communities involved. These message elements are denoted by white shading. Where there are message elements that do not apply to NPC payments, these are denoted with red shading in the right-most column of the message structures. To date, few such message elements have been identified. 1.2 Use of these Guidelines by the instructing and instructed parties3 • NPC core payments are executed using messages only containing message elements defined as part of the NPC Core Subset (shaded yellow in Figure 2). • Payments that include message elements that are defined and documented by AOS communi- ties (shaded white/yellow in Figure 2) are considered as NPC payments, but not as NPC core payments.

2 The NPC Core Mandatory Subset is hereafter known as the NPC core service. 3 Instructing and instructed parties include CSMs.

6 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

• It is the responsibility of the instructing customer and instructed bank of the message to ensure that message elements defined for use in an AOS are only included in messages sent to AOS community members. • The instructed bank receiving a message containing AOS message elements, but which is not a member of this AOS community, may ignore the information, that is, not use it for processing, nor forward it to the next party in the chain. The instructed bank, however, may reject the mes- sage for this reason. 1.3 Notation Conventions The Guidelines are presented in a similar format than the one used in the ISO 20022 XML standard.

# NPC Mul Message Element NPC Core Requirements

1.00 1..1 Message root NPC Usage Rule(s) (e.g. Mandatory) +Group Header NPC Format Rule(s) ++Sublevel 1 ISO Name ISO Definition +++Sublevel 2 XML Tag Type (Yellow: Message Element that is part of the NPC Core Service)

1..1 XML Tag xs:choice

1.01 1..1 Message root NPC Rulebook (Attribute used in Rulebook) +Group Header NPC Usage Rule(s) (e.g. Only ‘NPCA’ is allowed.) ++Sublevel 1 ISO Name ISO Definition +++Sublevel 2 XML Tag ++++Sublevel 3 Type ISO Length NPC Length (Yellow: Message Element that is part of the NPC Core Service) NPC Code restrictions NPCA NPC Payment must be executed following the NPC Payment scheme. 1.02 1..1 Message root ISO Name +Group Header ISO Definition ++Sublevel 1 XML Tag Type +++Sublevel 2 (White: Message Element that is not part of the Core Service but is ++++Sublevel 3 available for use in an NPC AOS) 1.0n 0..1 Message root ISO Name +Group Header ISO Definition ++Sublevel 1 XML Tag Type (Red: Message Element that is not to be used in NPC Payments) Figure 2 Where:

• Column 1 indicates the message element Index number specific to these Implementation Guidelines. As a result, the Index numbers differ from the ones used in the relating ISO 20022 Message Definition Report, PDF version. Components of message elements that are not allowed in NPC payments or where no NPC re- quirements are defined are not displayed in full as the ISO 20022 XML standard applies. • Column 2 indicates the mandatory or optional status and the number of repetitions defined by the NPC Core Requirements, e.g.: o 0..1 element is optional and may only be present once

7 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

o 0..n element is optional with unlimited repetition o 1..1 element is mandatory and must be present exactly once o 1..n element is mandatory with unlimited repetition The displayed NPC multiplicity may thus differ from the one of the ISO 20022 XML standard. When an element is shaded yellow, possible remaining ISO 20022 occurrences are available for use in an AOS. Empty elements are not allowed (i.e. a message shall not contain elements without content). • Column 3 indicates the full path of an element where the last line contains the name of the message element as defined in the ISO 20022 XML standard. When an element contains sub- elements, these are indented to the right and noted with a plus sign (+) per level. • Column 4 specifies in italic characters the NPC Core Requirements as additional rules to those specified in the ISO 20022 XML standard, which are shown in non-italic characters. o When defined in the Rulebook, the attribute is indicated by the attribute name and where applicable, the number, i.e., AT-nn. Those message elements are shaded yellow. o When the message element relates to interbank processing requirements, it is shaded yellow. o When the message element specified in the ISO 20022 XML standard is used for NPC payments without change (regarding the definition and any usage rules), no specific NPC Core requirements are provided and is shaded yellow. o When the message element is specified in the ISO 20022 XML standard as optional, but is mandatory in NPC Core requirements, this is specified as ‘Mandatory’ and is shaded yellow. o When the message element is not available for use in NPC payments, this is indicated with red shading. Note that these message elements are similarly not available for use in an AOS. o The NPC length is indicated for every message element (if applicable), even if it is the same length as in the ISO 20022 XML standard. Column 4 may also indicate conditional relationships between components of a message element, for example, either component 1 or component 2 must be present, but not both (indicated, in empty lines without index number, in the column 4 with XML Tag ‘xs:choice’). In such case, the choice is to be made between the two following sub-elements, if both are shaded yellow. 1.4 Character Set The character set issue centres on the use of the full set characters in the message elements. Two con- siderations are:

• While banks and their customers must be allowed to use the character set currently in use at national level, • banks and their customers cannot be required to support the full character set used in ISO 20022 XML messages. Therefore:

• 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 and in addition to this the Scandinavian characters and the @-sign, 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 å ä ö æ ø

8 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

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 Å Ä Ö Æ Ø 0 1 2 3 4 5 6 7 8 9 / - ? : ( ) . , ' + @ Space • References, identifications and identifiers must respect the following [8]: o Content is restricted to the Latin character set including the Scandinavian characters as defined above o Content must not start or end with a ‘/’ o Content must not contain ‘//’s However, there may be bilateral or multilateral agreements to support one or more sets of characters beyond the Latin character set including the additional Scandinavian characters and the @-sign referred to above. 1.5 General Message Element Specifications 1.5.1 BIC The BIC used to identify financial institutions (Agents in the ISO 20022 XML standards) may be either BIC 11 or BIC 8. 1.5.2 Currency Unlike EPC/NPC Rulebook, NPC Instant Credit Transfer Rulebook allows more than one currency. Cur- rencies covered by the scheme are called ‘Scheme Currencies’ and are listed in the reference document Scheme Currencies [9]. 1.5.3 Alias and Proxy In the Nordic payment market it is common that an ‘Alias’ or ‘Proxy’ is used to identify an Originator’s and/or a Beneficiary’s account. Therefore, ISO 20022 elements in the Debtor Account and Creditor Account sections are utilized in order to enable (Originators) to initiate their payment from – and to - an ‘Alias’ or 'Proxy' instead of an IBAN, and for Beneficiaries to still be able to collect payments through an ‘Alias’ or ‘Proxy’ instead of their IBAN. NPC usage is described in the NPC Credit Transfer Scheme Interbank Implementation Guideline in the Debtor Account and Creditor Account sections. For ease of use, National Account Number will be treated as an Alias, too. 1.5.4 Structured creditor references, e.g. OCR-references In the Nordic payment market there is a legacy to use one of the existing OCR references. These references are only used in combination with a corresponding ‘Alias’, where the Alias registry holds information regarding the validation rule for the reference or a corresponding bank account. Therefore, when customers (Originators) has entered an OCR-reference it is mandatory that the Originator Bank (Debtor Bank) validates the ‘structured creditor reference’ thru checking the rule for validation connected to the ‘Alias’, ‘Proxy’ or bank account to ensure the correctness of the OCR-reference.

1.6 Implementation of ISO 20022 XML rules This document should be read in conjunction with the ISO 20022 XML message standards.

9 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

2 Recommended Customer-to-Bank and Bank-to-Customer messages 2.1 Customer to Bank Credit Transfer Information (DS-01) 2.1.1 Use of the Customer Credit Transfer Initiation (pain.001.001.03) The message is used to transport the customer-to-bank NCT Inst information sent by the Originator to the Originator Bank. The message caters for bulk and single payment instructions Note: In case the transaction is a transfer back related to an earlier executed NCT Inst Transaction (as per ‘Remarks’ under DS-01), the ‘purpose’ element must be populated with ‘RRCT’ (Reimbursement Re- ceived Credit Transfer) or another code meaningful for identifying the NCT Inst as a transfer back. Note: The use of NCT Inst is implied by element ‘local instrument’ being mandatory and ‘code’ set to ‘INST’ (Instant Credit Transfer) only.

10 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Customer to Bank Credit Transfer Information Mult NPC Core Requirements Document XML Tag Document Type Document 1..1 Customer Credit Transfer Initiation V03 ISO Name Customer Credit Transfer Initiation V03 ISO Definition The CustomerCreditTransferInitiation message is sent by the initiating party to the forwarding agent or debtor's agent. It is used to request movement of funds from debtor's account to a creditor. XML Tag CstmrCdtTrfInitn Type CustomerCreditTransferInitiationV03 1.0 1..1 Customer Credit Transfer Initiation V03 ISO Name Group Header +Group Header ISO Definition Set of characteristics shared by all individual transactions included in the message. XML Tag GrpHdr Type GroupHeader32 1.1 1..1 Customer Credit Transfer Initiation V03 ISO Name Message Identification +Group Header ISO Definition Point to point reference, as assigned by the in- ++Message Identification structing party, and sent to the next party in the chain to unambiguously identify the message. Usage: The instructing party has to make sure that MessageIdentification is unique per instructed party for a pre-agreed period. XML Tag MsgId Type Max35Text ISO Length 1 .. 35 NPC Length 1 .. 35 1.2 1..1 Customer Credit Transfer Initiation V03 ISO Name Creation Date Time +Group Header ISO Definition Date and time at which the message was created. ++Creation Date Time XML Tag CreDtTm Type ISODateTime 1.3 0..2 Customer Credit Transfer Initiation V03 ISO Name Authorisation +Group Header ISO Definition User identification or any user key to be used to ++Authorisation check whether the initiating party is allowed to initiate transactions from the account specified in the message.

Usage: The content is not of a technical nature, but reflects the organisational structure at the initiating side. The authorisation element can typically be used in relay scenarios, payment initiations, payment returns or payment reversals that are initiated on behalf of a party different from the initiating party. XML Tag Authstn Type Authorisation1Choice 1.4 1..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) The validation of this data element depends on +Group Header pre-agreed customer-to-bank conditions. ++Number Of Transactions ISO Name Number Of Transactions ISO Definition Number of individual transactions contained in the message. XML Tag NbOfTxs Type Max15NumericText Pattern [0-9]{1,15}

11 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Customer to Bank Credit Transfer Information Mult NPC Core Requirements 1.5 0..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Mandatory +Group Header The validation of this data element depends on ++Control Sum pre-agreed customer-to-bank conditions. NPC Format The fractional part has a maximum of two digits. Rule(s) ISO Name Control Sum ISO Definition Total of all individual amounts included in the message, irrespective of currencies. XML Tag CtrlSum Type DecimalNumber NPC FractDigits 17 TotalDigits 18 1.6 1..1 Customer Credit Transfer Initiation V03 ISO Name Initiating Party +Group Header ISO Definition Party that initiates the payment. ++Initiating Party Usage: This can either be the debtor or the party that initiates the credit transfer on behalf of the debtor. XML Tag InitgPty Type PartyIdentification32 1.7 0..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) 'Name’ is limited to 70 characters in length. +Group Header ISO Name Name ++Initiating Party ISO Definition Name by which a party is known and which is +++Name usually used to identify that party. XML Tag Nm Type Max140Text ISO Length 1 .. 140 NPC Length 1 .. 70 1.8 0..1 Customer Credit Transfer Initiation V03 ISO Name Postal Address +Group Header ISO Definition Information that locates and identifies a specific ++Initiating Party address, as defined by postal services. +++Postal Address XML Tag PstlAdr Type PostalAddress6 1.9 0..1 Customer Credit Transfer Initiation V03 ISO Name Identification +Group Header ISO Definition Unique and unambiguous identification of a ++Initiating Party party. +++Identification XML Tag Id Type Party6Choice 1..1 XML Tag xs:choice 1.10 1..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Either ‘BIC or BEI’ or one occurrence of ‘Other’ +Group Header is allowed. ++Initiating Party ISO Name Organisation Identification +++Identification ISO Definition Unique and unambiguous way to identify an ++++Organisation Identification Organisation e.g. ‘Organisationsnummer’. XML Tag OrgId Type OrganisationIdentification4 1.11 1..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Either ‘Date and Place of Birth’ or one +Group Header occurrence of ‘Other’ is allowed. ++Initiating Party ISO Name Private Identification +++Identification ISO Definition Unique and unambiguous identification of a ++++Private Identification person, e.g. ’Personnummer’. XML Tag PrvtId Type PersonIdentification5 1.12 0..1 Customer Credit Transfer Initiation V03 ISO Name Country Of Residence +Group Header ISO Definition Country in which a person resides (the place of a ++Initiating Party person's home). In the case of a company, it is the +++Country Of Residence country from which the affairs of that company are directed. XML Tag CtryOfRes Type CountryCode Pattern [A-Z]{2,2}

12 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Customer to Bank Credit Transfer Information Mult NPC Core Requirements 1.13 0..1 Customer Credit Transfer Initiation V03 ISO Name Contact Details +Group Header ISO Definition Set of elements used to indicate how to contact ++Initiating Party the party. +++Contact Details XML Tag CtctDtls Type ContactDetails2 1.14 0..1 Customer Credit Transfer Initiation V03 ISO Name Forwarding Agent +Group Header ISO Definition Financial institution that receives the instruction ++Forwarding Agent from the initiating party and forwards it to the next agent in the payment chain for execution. XML Tag FwdgAgt Type BranchAndFinancialInstitutionIdentification4 2.0 1..n Customer Credit Transfer Initiation V03 ISO Name Payment Information +Payment Information ISO Definition Set of characteristics that applies to the debit side of the payment transactions included in the credit transfer initiation. XML Tag PmtInf Type PaymentInstructionInformation3 2.1 1..1 Customer Credit Transfer Initiation V03 ISO Name Payment Information Identification +Payment Information ISO Definition Unique identification, as assigned by a sending ++Payment Information Identification party, to unambiguously identify the payment in- formation group within the message. XML Tag PmtInfId Type Max35Text ISO Length 1 .. 35 NPC Length 1 .. 35 2.2 1..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Only ‘TRF’ is allowed. +Payment Information ISO Name Payment Method ++Payment Method ISO Definition Specifies the means of payment that will be used to move the amount of money. XML Tag PmtMtd Type PaymentMethod3Code NPC Code Restrictions TRF CreditTransfer Transfer of an amount of money in the books of the account servicer. 2.3 0..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) If present and contains ‘true’, batch booking is +Payment Information requested. If present and contains ‘false’, book- ++Batch Booking ing per transaction is requested. If element is not present, pre-agreed customer-to-bank conditions apply. ISO Name Batch Booking ISO Definition Identifies whether a single entry per individual transaction or a batch entry for the sum of the amounts of all transactions within the group of a message is requested. Usage: Batch booking is used to request and not order a possible batch booking. XML Tag BtchBookg Type BatchBookingIndicator 2.4 0..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) The validation of this data element depends on +Payment Information pre-agreed customer-to-bank conditions. ++Number Of Transactions ISO Name Number Of Transactions ISO Definition Number of individual transactions contained in the payment information group. XML Tag NbOfTxs Type Max15NumericText Pattern [0-9]{1,15}

13 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Customer to Bank Credit Transfer Information Mult NPC Core Requirements 2.5 0..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) The validation of this data element depends on +Payment Information pre-agreed customer-to-bank conditions. ++Control Sum NPC Format The fractional part has a maximum of two digits. Rule(s) ISO Name Control Sum ISO Definition Total of all individual amounts included in the group, irrespective of currencies. XML Tag CtrlSum Type DecimalNumber NPC FractDigits 17 TotalDigits 18 2.6 0..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) ‘Payment Type Information’ must be present ei- +Payment Information ther here or under ‘Credit Transfer Transaction ++Payment Type Information Information’. ISO Name Payment Type Information ISO Definition Set of elements used to further specify the type of transaction. XML Tag PmtTpInf Type PaymentTypeInformation19 2.7 0..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) If present, pre-agreed customer-to-bank condi- +Payment Information tions apply. Based on whether priority processing ++Payment Type Information vs. normal processing is offered by the bank. +++Instruction Priority ISO Name Instruction Priority ISO Definition Indicator of the urgency or order of importance that the instructing party would like the instructed party to apply to the processing of the instruction. XML Tag InstrPrty Type Priority2Code 2.8 0..1 FITo FICustomer Credit Transfer V02 NPC Usage rule(s) Usage is recommended +Group Header ISO Name Service Level ++Payment Type Information ISO Definition Agreement under which or rules under which the +++Service Level transaction should be processed. XML Tag SvcLvl Type ServiceLevel8Choice 1..1 XML Tag xs:choice 2.9 1..1 FITo FICustomer Credit Transfer V02 NPC Rulebook AT-40 The identification code of the NPC Inst +Group Header Scheme ++Payment Type Information NPC Usage Rule(s) Only ‘NPCA’ is allowed +++Service Level ISO Name Code ++++Code ISO Definition Specifies a pre-agreed service or level of service between the parties, as published in an external service level code list. XML Tag Cd Type ExternalServiceLevel1Code ISO Length 1 .. 4 NPC Length 1 .. 4 NPC Code Restrictions NPCA Nordic Payments Council Area, payments must be executed following the NPC Schemes. 2.10 1..1 FITo FICustomer Credit Transfer V02 ISO Name Proprietary +Group Header ISO Definition Specifies a pre-agreed service or level of service ++Payment Type Information between the parties, as a proprietary code. +++Service Level XML Tag Prtry ++++Proprietary Type Max35Text ISO Length 1 .. 35 2.11 0..1 Customer Credit Transfer Initiation V03 ISO Name Local Instrument +Payment Information ISO Definition User community specific instrument. ++Payment Type Information +++Local Instrument Usage: This element is used to specify a local instrument, local clearing option and/or further qualify the service or service level. XML Tag LclInstrm Type LocalInstrument2Choice 1..1 XML Tag xs:choice

14 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Customer to Bank Credit Transfer Information Mult NPC Core Requirements 2.12 1..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Only 'INST' is allowed. +Payment Information ISO Name Code ++Payment Type Information ISO Definition Specifies the local instrument, as published in an +++Local Instrument external local instrument code list. ++++Code XML Tag Cd Type ExternalLocalInstrument1Code ISO Length 1 .. 35 NPC Length 1 .. 35 NPC Code Restrictions INST Instant Credit Transfer Transaction is related to an Instant Credit Trans- fer. Use case example: NCT Instant Credit Transfer (NCT Inst). 2.13 1..1 Customer Credit Transfer Initiation V03 ISO Name Proprietary +Payment Information ISO Definition Specifies the local instrument, as a proprietary ++Payment Type Information code. +++Local Instrument XML Tag Prtry ++++Proprietary Type Max35Text ISO Length 1 .. 35 NPC Length 1 .. 35 2.14 0..1 Customer Credit Transfer Initiation V03 NPC Rulebook AT-45 The category purpose of the NCT Inst In- +Payment Information struction ++Payment Type Information NPC Usage Rule(s) If provided by the Originator the Originator +++Category Purpose Bank, must forward the ‘Category Purpose’ to the Beneficiary Bank. ISO Name Category Purpose ISO Definition Specifies the high-level purpose of the instruction based on a set of pre-defined categories. Usage: This is used by the initiating party to pro- vide information concerning the processing of the payment. It is likely to trigger special processing by any of the agents involved in the payment chain. XML Tag CtgyPurp Type CategoryPurpose1Choice 2.14.1 1..1 Customer Credit Transfer Initiation V03 ISO Name Code +Payment Information ISO Definition Category purpose, as published in an ++Payment Type Information external category purpose code list. +++Category Purpose XML Tag Cd ++++Code Type ExternalCategoryPurpose1Code ISO Length 1 .. 4 NPC Length 1 .. 4 2.15 1..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) AT-07 The Requested Execution Date of the NCT +Payment Information Inst instruction. ++Requested Execution Date ISO Name Requested Execution Date ISO Definition Date at which the initiating party requests the clearing agent to process the payment. Usage: This is the date on which the debtor's account is to be debited. If payment by cheque, the date when the cheque must be generated by the bank. XML Tag ReqdExctnDt Type ISODate 2.16 0..1 Customer Credit Transfer Initiation V03 ISO Name Pooling Adjustment Date +Payment Information ISO Definition Date used for the correction of the value date of a ++Pooling Adjustment Date cash pool movement that has been posted with a different value date. XML Tag PoolgAdjstmntDt Type ISODate

15 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Customer to Bank Credit Transfer Information Mult NPC Core Requirements 2.17 1..1 Customer Credit Transfer Initiation V03 ISO Name Debtor +Payment Information ISO Definition Party that owes an amount of money to the ++Debtor (ultimate) creditor. XML Tag Dbtr Type PartyIdentification32 2.18 1..1 Customer Credit Transfer Initiation V03 NPC Rulebook AT-02 The name of the Originator +Payment Information NPC Usage Rule(s) Mandatory ++Debtor ‘Name’ is limited to 70 characters in length. +++Name ISO Name Name ISO Definition Name by which a party is known and which is usually used to identify that party. XML Tag Nm Type Max140Text ISO Length 1 .. 140 NPC Length 1 .. 70 2.19 0..1 Customer Credit Transfer Initiation V03 NPC Rulebook AT-03 The address of the Originator +Payment Information ISO Name Postal Address ++Debtor ISO Definition Information that locates and identifies a specific +++Postal Address address, as defined by postal services. XML Tag PstlAdr Type PostalAddress6 2.20 0..1 Customer Credit Transfer Initiation V03 ISO Name Address Type +Payment Information ISO Definition Identifies the nature of the postal address. ++Debtor XML Tag AdrTp +++Postal Address Type AddressType2Code ++++Address Type 2.21 0..1 Customer Credit Transfer Initiation V03 ISO Name Department +Payment Information ISO Definition Identification of a division of a large organisation ++Debtor or building. +++Postal Address XML Tag Dept ++++Department Type Max70Text ISO Length 1 .. 70 NPC Length 1 .. 70 2.22 0..1 Customer Credit Transfer Initiation V03 ISO Name Sub Department +Payment Information ISO Definition Identification of a sub-division of a large ++Debtor organisation or building. +++Postal Address XML Tag SubDept ++++Sub Department Type Max70Text ISO Length 1 .. 70 NPC Length 1 .. 70 2.23 0..1 Customer Credit Transfer Initiation V03 ISO Name Street Name +Payment Information ISO Definition Name of a street or thoroughfare. ++Debtor XML Tag StrtNm +++Postal Address Type Max70Text ++++Street Name ISO Length 1 .. 70 NPC Length 1 .. 70 2.24 0..1 Customer Credit Transfer Initiation V03 ISO Name Building Number +Payment Information ISO Definition Number that identifies the position of a building ++Debtor on a street. +++Postal Address XML Tag BldgNb ++++Building Number Type Max16Text ISO Length 1 .. 16 NPC Length 1 .. 16 2.25 0..1 Customer Credit Transfer Initiation V03 ISO Name Post Code +Payment Information ISO Definition Identifier consisting of a group of letters and/or ++Debtor numbers that is added to a postal address to assist +++Postal Address the sorting of mail. ++++Post Code XML Tag PstCd Type Max16Text ISO Length 1 .. 16 NPC Length 1 .. 16

16 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Customer to Bank Credit Transfer Information Mult NPC Core Requirements 2.26 0..1 Customer Credit Transfer Initiation V03 ISO Name Town Name +Payment Information ISO Definition Name of a built-up area, with defined boundaries, ++Debtor and a local government. +++Postal Address XML Tag TwnNm ++++Town Name Type Max35Text ISO Length 1 .. 35 NPC Length 1 .. 35 2.27 0..1 Customer Credit Transfer Initiation V03 ISO Name Country Sub Division +Payment Information ISO Definition Identifies a subdivision of a country such as state, ++Debtor region, county. +++Postal Address XML Tag CtrySubDvsn ++++Country Sub Division Type Max35Text ISO Length 1 .. 35 NPC Length 1 .. 35 2.28 0..1 Customer Credit Transfer Initiation V03 ISO Name Country +Payment Information ISO Definition Nation with its own government. ++Debtor XML Tag Ctry +++Postal Address Type CountryCode ++++Country Pattern [A-Z]{2,2} 2.29 0..2 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Only two occurrences are allowed. +Payment Information ISO Name Address Line ++Debtor ISO Definition Information that locates and identifies a specific +++Postal Address address, as defined by postal services, presented ++++Address Line in free format text. XML Tag AdrLine Type Max70Text ISO Length 1 .. 70 NPC Length 1 .. 70 2.30 0..1 Customer Credit Transfer Initiation V03 NPC Rulebook AT-10 The Originator identification code +Payment Information ISO Name Identification ++Debtor ISO Definition Unique and unambiguous identification of a +++Identification party. XML Tag Id Type Party6Choice 1..1 XML Tag xs:choice 2.31 1..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Either ‘BIC or BEI’ or one occurrence of ‘Other’ +Payment Information is allowed. ++Debtor ISO Name Organisation Identification +++Identification ISO Definition Unique and unambiguous way to identify an ++++Organisation Identification Organisation, eg. ‘Organisationsnummer’. XML Tag OrgId Type OrganisationIdentification4 2.32 1..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Either 'Date and Place of Birth' or one occur- +Payment Information rence ++Debtor of 'Other' is allowed +++Identification ISO Name Private Identification ++++Private Identification ISO Definition Unique and unambiguous identification of a person, e.g., ’Personnummer’. XML Tag PrvtId Type PersonIdentification5 2.33 0..1 Customer Credit Transfer Initiation V03 ISO Name Country Of Residence +Payment Information ISO Definition Country in which a person resides (the place of a ++Debtor person's home). In the case of a company, it is the +++Country Of Residence country from which the affairs of that company are directed. XML Tag CtryOfRes Type CountryCode Pattern [A-Z]{2,2} 2.34 0..1 Customer Credit Transfer Initiation V03 ISO Name Contact Details +Payment Information ISO Definition Set of elements used to indicate how to contact ++Debtor the party. +++Contact Details XML Tag CtctDtls Type ContactDetails2

17 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Customer to Bank Credit Transfer Information Mult NPC Core Requirements 2.35 1..1 Customer Credit Transfer Initiation V03 NPC Rulebook AT-01 The IBAN of the account of the Originator +Payment Information ISO Name Debtor Account ++Debtor Account ISO Definition Unambiguous identification of the account of the debtor to which a debit entry will be made as a result of the transaction. XML Tag DbtrAcct Type CashAccount16 2.36 1..1 Customer Credit Transfer Initiation V03 NPC Rulebook AT-01 The IBAN of the account of the Originator +Payment Information AT-11 The ‘Alias’ or ‘Proxy’ of the Originator’s ++Debtor Account account. +++Identification NPC Usage Rule(s) Mandatory, either 'IBAN’ or ‘Other’ should be populated. Other could be Alias, Proxy or ‘National Account Number’. ISO Name Identification ISO Definition Unique and unambiguous identification for the account between the account owner and the account servicer. XML Tag Id Type AccountIdentification4Choice 1..1 XML Tag xs:choice 2.36.1 0..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Either IBAN (AT-01) or one occurrence of +Payment Information ‘Other’ is allowed (AT-11) giving instead ‘Alias’ ++Credit Transfer Transaction Information or ‘Proxy’ +++Debtor Account ISO Name IBAN ++++Identification ISO Definition International Bank Account Number (IBAN) - +++++IBAN identifier used internationally by financial institutions to uniquely identify the account of a customer IBAN Type IBAN2007Identifier 2.36.2 0..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) National account number (BBAN)‘Alias’ or +Payment Information ‘Proxy’(AT-11) to be populated instead of IBAN. ++Credit Transfer Transaction Information When’Alias’ or ‘Proxy’ is used SchemeName +++Debtor Account must be specified together with code (BBAN) or ++++Identification Proprietary code e.g. SE BGNR +++++Other ISO Name Account Identification ++++++Identification ISO Definition Unique identification of an account, as assigned by the account servicer, using an identification scheme. XML Tag Othr Type GenericAccountIdentification1

2.36.3 1..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) ‘Alias’ or Proxy schemes defined by Proprietary +Payment Information code (e.g. National Account Number, Swedish ++Credit Transfer Transaction Information Bankgiro number, Swedish Plusgiro number etc) +++Debtor Account ISO Name SchemeName. ++++Identification ISO Definition Name of the identification scheme +++++Other ++++++Identification XML Tag SchmeNm +++++++SchemeName Type AccountSchemeName1Choice

1..1 XML Tag xs:choice 2.36.4 0..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Code used for National Account Number (BBAN) +Payment Information ISO Name Code ++Credit Transfer Transaction Information ISO Definition Name of the identification scheme, in a coded +++Debtor Account form as published in an external list. ++++Identification XML Tag Prtry +++++Other ++++++Identification +++++++SchemeName Type ExternalAccountIdentification1Code ++++++++Code ISO Length 1 .. 4 NPC Length 1 ..4

18 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Customer to Bank Credit Transfer Information Mult NPC Core Requirements 2.36.5 0..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Proprietary code are used to define SchemeName +Payment Information ISO Name Proprietary. ++Credit Transfer Transaction Information ISO Definition Name of the identification scheme, in a free text +++Debtor Account form. ++++Identification +++++Other XML Tag Prtry ++++++Identification Type Max35Text +++++++SchemeName ISO Length 1 .. 35 ++++++++Proprietary NPC Length 1 ..35 2.37 0..1 Customer Credit Transfer Initiation V03 ISO Name Type +Payment Information ISO Definition Specifies the nature or use of the account. ++Debtor Account XML Tag Tp +++Type Type CashAccountType2 2.38 0..1 Customer Credit Transfer Initiation V03 ISO Name Currency +Payment Information ISO Definition Identification of the currency in which the ac- ++Debtor Account count is held. +++Currency Usage: Currency should only be used in case one and the same account number covers several cur- rencies and the initiating party needs to identify which currency needs to be used for settlement on the account. XML Tag Ccy Type ActiveOrHistoricCurrencyCode Pattern [A-Z]{3,3} 2.39 0..1 Customer Credit Transfer Initiation V03 ISO Name Name +Payment Information ISO Definition Name of the account, as assigned by the account ++Debtor Account servicing institution, in agreement with the ac- +++Name count owner in order to provide an additional means of identification of the account.

Usage: The account name is different from the account owner name. The account name is used in certain user communities to provide a means of identifying the account, in addition to the account owner's identity and the account number. XML Tag Nm Type Max70Text ISO Length 1 .. 70 NPC Length 1 .. 70 2.40 1..1 Customer Credit Transfer Initiation V03 ISO Name Debtor Agent +Payment Information ISO Definition Financial institution servicing an account for the ++Debtor Agent debtor. XML Tag DbtrAgt Type BranchAndFinancialInstitutionIdentification4 2.41 1..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Either BIC or ‘Other/Identification’ must be +Payment Information used. ++Debtor Agent ISO Name Financial Institution Identification +++Financial Institution Identification ISO Definition Unique and unambiguous identification of a fi- nancial institution, as assigned under an interna- tionally recognised or proprietary identification scheme. XML Tag FinInstnId Type FinancialInstitutionIdentification7 2.42 0..1 Customer Credit Transfer Initiation V03 NPC Rulebook AT-06 The BIC code of the Originator Bank. +Payment Information ISO Name BIC ++Debtor Agent ISO Definition Code allocated to a financial institution by the +++Financial Institution Identification ISO 9362 Registration Authority as described in ++++BIC ISO 9362 "Banking – Banking telecommunica- tion messages - Business identifier code (BIC)". XML Tag BIC Type BICIdentifier Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3, 3}){0,1}

19 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Customer to Bank Credit Transfer Information Mult NPC Core Requirements 2.43 0..1 Customer Credit Transfer Initiation V03 ISO Name Clearing System Member Identification +Payment Information ISO Definition Information used to identify a member within a ++Debtor Agent clearing system. +++Financial Institution Identification XML Tag ClrSysMmbId ++++Clearing System Member Identification Type ClearingSystemMemberIdentification2 2.44 0..1 Customer Credit Transfer Initiation V03 ISO Name Name +Payment Information ISO Definition Name by which an agent is known and which is ++Debtor Agent usually used to identify that agent. +++Financial Institution Identification XML Tag Nm ++++Name Type Max140Text ISO Length 1 .. 140 NPC Length 1 .. 140 2.45 0..1 Customer Credit Transfer Initiation V03 ISO Name Postal Address +Payment Information ISO Definition Information that locates and identifies a specific ++Debtor Agent address, as defined by postal services. +++Financial Institution Identification XML Tag PstlAdr ++++Postal Address Type PostalAddress6 2.46 0..1 Customer Credit Transfer Initiation V03 ISO Name Other +Payment Information ISO Definition Unique identification of an agent, as assigned by ++Debtor Agent an institution, using an identification scheme. +++Financial Institution Identification XML Tag Othr ++++Other Type GenericFinancialIdentification1 2.47 1..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Only ‘NOTPROVIDED’ is allowed. +Payment Information ISO Name Identification ++Debtor Agent ISO Definition Unique and unambiguous identification of a +++Financial Institution Identification person. ++++Other XML Tag Id +++++Identification Type Max35Text ISO Length 1 .. 35 NPC Length 1 .. 35 2.48 0..1 Customer Credit Transfer Initiation V03 ISO Name Scheme Name +Payment Information ISO Definition Name of the identification scheme. ++Debtor Agent XML Tag SchmeNm +++Financial Institution Identification Type FinancialIdentificationSchemeName1Choice ++++Other +++++Scheme Name 2.49 0..1 Customer Credit Transfer Initiation V03 ISO Name Issuer +Payment Information ISO Definition Entity that assigns the identification. ++Debtor Agent XML Tag Issr +++Financial Institution Identification Type Max35Text ++++Other ISO Length 1 .. 35 +++++Issuer NPC Length 1 .. 35 2.50 0..1 Customer Credit Transfer Initiation V03 ISO Name Branch Identification +Payment Information ISO Definition Identifies a specific branch of a financial ++Debtor Agent institution. +++Branch Identification Usage: This component should be used in case the identification information in the financial institution component does not provide identification up to branch level. XML Tag BrnchId Type BranchData2 2.51 0..1 Customer Credit Transfer Initiation V03 ISO Name Debtor Agent Account +Payment Information ISO Definition Unambiguous identification of the account of the ++Debtor Agent Account debtor agent at its servicing agent in the payment chain. XML Tag DbtrAgtAcct Type CashAccount16 2.52 0..1 Customer Credit Transfer Initiation V03 ISO Name Ultimate Debtor +Payment Information ISO Definition Ultimate party that owes an amount of money to ++Ultimate Debtor the (ultimate) creditor. XML Tag UltmtDbtr Type PartyIdentification32

20 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Customer to Bank Credit Transfer Information Mult NPC Core Requirements 2.53 0..1 Customer Credit Transfer Initiation V03 NPC Rulebook AT-08 The name of the Originator Reference +Payment Information Party ++Ultimate Debtor NPC Format Rule(s) ‘Name’ is limited to 70 characters in length. +++Name ISO Name Name ISO Definition Name by which a party is known and which is usually used to identify that party. XML Tag Nm Type Max140Text ISO Length 1 .. 140 NPC Length 1 .. 70 2.54 0..1 Customer Credit Transfer Initiation V03 ISO Name Postal Address +Payment Information ISO Definition Information that locates and identifies a specific ++Ultimate Debtor address, as defined by postal services. +++Postal Address XML Tag PstlAdr Type PostalAddress6 2.55 0..1 Customer Credit Transfer Initiation V03 NPC Rulebook AT-09 The identification code of the Originator +Payment Information Reference Party ++Ultimate Debtor ISO Name Identification +++Identification ISO Definition Unique and unambiguous identification of a party. XML Tag Id Type Party6Choice 1..1 XML Tag xs:choice 2.56 1..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Either ‘BIC or BEI’ or one occurrence of ‘Other’ +Payment Information is allowed. ++Ultimate Debtor ISO Name Organisation Identification +++Identification ISO Definition Unique and unambiguous way to identify an Or- ++++Organisation Identification ganisation, eg. ‘Organisationsnummer’. XML Tag OrgId Type OrganisationIdentification4 2.57 1..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Either ‘Date and Place of Birth’ or one +Payment Information occurrence of ‘Other’ is allowed. ++Ultimate Debtor ISO Name Private Identification +++Identification ISO Definition Unique and unambiguous identification of a ++++Private Identification person, e.g., ’Personnummer’. XML Tag PrvtId Type PersonIdentification5 2.58 0..1 Customer Credit Transfer Initiation V03 ISO Name Country Of Residence +Payment Information ISO Definition Country in which a person resides (the place of a ++Ultimate Debtor person's home). In the case of a company, it is the +++Country Of Residence country from which the affairs of that company are directed. XML Tag CtryOfRes Type CountryCode Pattern [A-Z]{2,2} 2.59 0..1 Customer Credit Transfer Initiation V03 ISO Name Contact Details +Payment Information ISO Definition Set of elements used to indicate how to contact ++Ultimate Debtor the party. +++Contact Details XML Tag CtctDtls Type ContactDetails2 2.60 0..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) ‘SHAR’ or ‘SLEV’ to be used. +Payment Information It is recommended that this element be specified ++Charge Bearer at ‘Payment Information’ level. ISO Name Charge Bearer ISO Definition Specifies which party/parties will bear the charges associated with the processing of the pay- ment transaction. XML Tag ChrgBr Type ChargeBearerType1Code NPC Code Restrictions

21 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Customer to Bank Credit Transfer Information Mult NPC Core Requirements SHAR Charges are to be shared between Debtor and Creditor. SLEV FollowingServiceLevel Charges are to be applied following the rules agreed in the service level and/or the scheme 2.61 0..1 Customer Credit Transfer Initiation V03 ISO Name Charges Account +Payment Information ISO Definition Account used to process charges associated with ++Charges Account a transaction. Usage: Charges account should be used when charges have to be booked to an account different from the account identified in debtor's account. XML Tag ChrgsAcct Type CashAccount16 2.62 0..1 Customer Credit Transfer Initiation V03 ISO Name Charges Account Agent +Payment Information ISO Definition Agent that services a charges account. ++Charges Account Agent Usage: Charges account agent should only be used when the charges account agent is different from the debtor agent. XML Tag ChrgsAcctAgt Type BranchAndFinancialInstitutionIdentification4 2.63 1..n Customer Credit Transfer Initiation V03 ISO Name Credit Transfer Transaction Information +Payment Information ISO Definition Set of elements used to provide information on ++Credit Transfer Transaction Information the individual transaction(s) included in the mes- sage. XML Tag CdtTrfTxInf Type CreditTransferTransactionInformation10 2.64 1..1 Customer Credit Transfer Initiation V03 ISO Name Payment Identification +Payment Information ISO Definition Set of elements used to reference a payment ++Credit Transfer Transaction Information instruction. +++Payment Identification XML Tag PmtId Type PaymentIdentification1 2.65 0..1 Customer Credit Transfer Initiation V03 ISO Name Instruction Identification +Payment Information ISO Definition Unique identification as assigned by an instruct- ++Credit Transfer Transaction Information ing party for an instructed party to unambigu- +++Payment Identification ously identify the instruction. ++++Instruction Identification Usage: the instruction identification is a point to point reference that can be used between the instructing party and the instructed party to refer to the individual instruction. It can be included in several messages related to the instruction. XML Tag InstrId Type Max35Text ISO Length 1 .. 35 NPC Length 1 .. 35 2.66 1..1 Customer Credit Transfer Initiation V03 NPC Rulebook AT-41 The Originator’s Reference of the NCT +Payment Information Inst Instruction. ++Credit Transfer Transaction Information ISO Name End To End Identification +++Payment Identification ISO Definition Unique identification assigned by the initiating ++++End To End Identification party to unambiguously identify the transaction. This identification is passed on, unchanged, throughout the entire end-to-end chain.

Usage: The end-to-end identification can be used for reconciliation or to link tasks relating to the transaction. It can be included in several messages related to the transaction. XML Tag EndToEndId Type Max35Text ISO Length 1 .. 35 NPC Length 1 .. 35

22 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Customer to Bank Credit Transfer Information Mult NPC Core Requirements 2.67 0..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) 'Payment Type Information' must be present ei- +Payment Information ther here or directly under ‘Payment Infor- ++Credit Transfer Transaction Information mation’. +++Payment Type Information ISO Name Payment Type Information ISO Definition Set of elements used to further specify the type of transaction. XML Tag PmtTpInf Type PaymentTypeInformation19 2.68 0..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) If present, pre-agreed customer-to-bank +Payment Information conditions apply. Based on whether priority pro- ++Credit Transfer Transaction Information cessing vs. normal processing is offered by the +++Payment Type Information bank. ++++Instruction Priority ISO Name Instruction Priority ISO Definition Indicator of the urgency or order of importance that the instructing party would like the instructed party to apply to the processing of the instruction. XML Tag InstrPrty Type Priority2Code 2.69 0..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Usage recommended. +Payment Information ISO Name Service Level ++Credit Transfer Transaction Information ISO Definition Agreement under which or rules under which the +++Payment Type Information transaction should be processed. ++++Service Level XML Tag SvcLvl Type ServiceLevel8Choice 1..1 XML Tag xs:choice 2.70 1..1 Customer Credit Transfer Initiation V03 NPC Rulebook AT-40 The identification code of the NPC Inst +Payment Information Scheme ++Credit Transfer Transaction Information NPC Usage Rule(s) Only ‘NPCA’ is allowed +++Payment Type Information ISO Name Code ++++Service Level ISO Definition Specifies a pre-agreed service or level of service +++++Code between the parties, as published in an external service level code list. XML Tag Cd Type ExternalServiceLevel1Code ISO Length 1 .. 4 NPC Length 1 .. 4 NPC Code Restrictions NPCA Nordic Payments Council Area, payments must be executed following the NPC Schemes. . 2.71 1..1 Customer Credit Transfer Initiation V03 ISO Name Proprietary +Payment Information ISO Definition Specifies a pre-agreed service or level of service ++Credit Transfer Transaction Information between the parties, as a proprietary code. +++Payment Type Information XML Tag Prtry ++++Service Level Type Max35Text +++++Proprietary ISO Length 1 .. 35 2.72 0..1 Customer Credit Transfer Initiation V03 ISO Name Local Instrument +Payment Information ISO Definition User community specific instrument. ++Credit Transfer Transaction Information +++Payment Type Information Usage: This element is used to specify a local in- ++++Local Instrument strument, local clearing option and/or further qualify the service or service level. XML Tag LclInstrm Type LocalInstrument2Choice 1..1 XML Tag xs:choice 2.73 1..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Only 'INST' is allowed. +Payment Information ISO Name Code ++Credit Transfer Transaction Information ISO Definition Specifies the local instrument, as published in an +++Payment Type Information external local instrument code list. ++++Local Instrument XML Tag Cd +++++Code Type ExternalLocalInstrument1Code ISO Length 1 .. 35 NPC Length 1 .. 35 NPC Code Restrictions

23 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Customer to Bank Credit Transfer Information Mult NPC Core Requirements INST Instant Credit Transfer Transaction is related to an Instant Credit Trans- fer. Use case example: NPC Instant Credit Transfer (NCT Inst). 2.74 1..1 Customer Credit Transfer Initiation V03 ISO Name Proprietary +Payment Information ISO Definition Specifies the local instrument, as a proprietary ++Credit Transfer Transaction Information code. +++Payment Type Information XML Tag Prtry ++++Local Instrument Type Max35Text +++++Proprietary ISO Length 1 .. 35 NPC Length 1 .. 35 2.75 0..1 Customer Credit Transfer Initiation V03 NPC Rulebook AT-45 The category purpose of NCT Inst Instruc- +Payment Information tion. ++Credit Transfer Transaction Information NPC Usage Rule(s) If provided by the Originator the Originator +++Payment Type Information Bank, must forward the ‘Category Purpose’ to ++++Category Purpose the Beneficiary Bank. ISO Name Category Purpose ISO Definition Specifies the high-level purpose of the instruction based on a set of pre-defined categories.

Usage: This is used by the initiating party to provide information concerning the processing of the payment. It is likely to trigger special processing by any of the agents involved in the payment chain. XML Tag CtgyPurp Type CategoryPurpose1Choice 2.75.1 1..1 Customer Credit Transfer Initiation V03 ISO Name Code +Payment Information ISO Definition Category purpose, as published in an ++Payment Type Information external category purpose code list. +++Category Purpose XML Tag Cd ++++Code Type ExternalCategoryPurpose1Code ISO Length 1 .. 4 NPC Length 1 .. 4 2.76 1..1 Customer Credit Transfer Initiation V03 ISO Name Amount +Payment Information ISO Definition Amount of money to be moved between the ++Credit Transfer Transaction Information debtor and creditor, before deduction of charges, +++Amount expressed in the currency as ordered by the initiating party. XML Tag Amt Type AmountType3Choice 1..1 XML Tag xs:choice

24 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Customer to Bank Credit Transfer Information Mult NPC Core Requirements 2.77 1..1 Customer Credit Transfer Initiation V03 NPC Rulebook AT-04 The amount of the NCT Inst in the relevant +Payment Information Scheme Currencies and the relevant currency ++Credit Transfer Transaction Information code. +++Amount NPC Usage Rule(s) Only ‘Scheme Currencies’ is allowed. ++++Instructed Amount NPC Format Rule(s) Amount must be 0.01 or up to the maximum amount per instruction that can be processed un- der the Scheme as defined in document NPC014- 01Maximum Amount for Instructions under the NPC Instant Credit Transfer Scheme Rulebook or the maximum amount as agreed between individ- ual Participants or communities of Participants. The fractional part has a maximum of two digits. ISO Name Instructed Amount ISO Definition Amount of money to be moved between the debtor and creditor, before deduction of charges, expressed in the currency as ordered by the initi- ating party. XML Tag InstdAmt Type ActiveOrHistoricCurrencyAndAmount NPC FractDigits 2 TotalDigits 18 NPC Inclusive 0.01 .. 2.78 1..1 Customer Credit Transfer Initiation V03 ISO Name Equivalent Amount +Payment Information ISO Definition Amount of money to be moved between the ++Credit Transfer Transaction Information debtor and creditor expressed in the currency of +++Amount the debtor's account, and the currency in which ++++Equivalent Amount the amount is to be moved. XML Tag EqvtAmt Type EquivalentAmount2 2.79 0..1 Customer Credit Transfer Initiation V03 ISO Name Exchange Rate Information +Payment Information ISO Definition Set of elements used to provide details on the ++Credit Transfer Transaction Information currency exchange rate and contract. +++Exchange Rate Information XML Tag XchgRateInf Type ExchangeRateInformation1 2.80 0..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) ‘SHAR’ or ‘SLEV’ to be used. +Payment Information It is recommended that this element be specified ++Credit Transfer Transaction Information at ‘Payment Information’ level. +++Charge Bearer ISO Name Charge Bearer ISO Definition Specifies which party/parties will bear the charges associated with the processing of the payment transaction. XML Tag ChrgBr Type ChargeBearerType1Code NPC Code Restrictions SHAR Charges are to be shared between Debtor and Creditor. SLEV FollowingServiceLevel Charges are to be applied following the rules agreed in the service level and/or the scheme. 2.81 0..1 Customer Credit Transfer Initiation V03 ISO Name Cheque Instruction +Payment Information ISO Definition Set of elements needed to issue a cheque. ++Credit Transfer Transaction Information XML Tag ChqInstr +++Cheque Instruction Type Cheque6 2.82 0..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Can be present on both payment and transaction +Payment Information level, if present transaction level will take ++Credit Transfer Transaction Information precedence +++Ultimate Debtor ISO Name Ultimate Debtor ISO Definition Ultimate party that owes an amount of money to the (ultimate) creditor. XML Tag UltmtDbtr Type PartyIdentification32

25 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Customer to Bank Credit Transfer Information Mult NPC Core Requirements 2.83 0..1 Customer Credit Transfer Initiation V03 NPC Rulebook AT-08 The name of the Originator Reference +Payment Information Party. ++Credit Transfer Transaction Information NPC Format Rule(s) ‘Name’ is limited to 70 characters in length. +++Ultimate Debtor ISO Name Name ++++Name ISO Definition Name by which a party is known and which is usually used to identify that party. XML Tag Nm Type Max140Text ISO Length 1 .. 140 NPC Length 1 .. 70 2.84 0..1 Customer Credit Transfer Initiation V03 ISO Name Postal Address +Payment Information ISO Definition Information that locates and identifies a specific ++Credit Transfer Transaction Information address, as defined by postal services. +++Ultimate Debtor XML Tag PstlAdr ++++Postal Address Type PostalAddress6 2.85 0..1 Customer Credit Transfer Initiation V03 NPC Rulebook AT-09 The identification code of the Originator +Payment Information Reference Party. ++Credit Transfer Transaction Information ISO Name Identification +++Ultimate Debtor ISO Definition Unique and unambiguous identification of a ++++Identification party. XML Tag Id Type Party6Choice 1..1 XML Tag xs:choice 2.86 1..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Either ‘BIC or BEI’ or one occurrence of ‘Other’ +Payment Information is allowed. ++Credit Transfer Transaction Information ISO Name Organisation Identification +++Ultimate Debtor ISO Definition Unique and unambiguous way to identify an ++++Identification Organisation, eg. ‘Organisationsnummer’. +++++Organisation Identification XML Tag OrgId Type OrganisationIdentification4 2.87 1..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Either ‘Date and Place of Birth’ or one +Payment Information occurrence of ‘Other’ is allowed. ++Credit Transfer Transaction Information ISO Name Private Identification +++Ultimate Debtor ISO Definition Unique and unambiguous identification of a ++++Identification person, eg. ’Personnummer’. +++++Private Identification XML Tag PrvtId Type PersonIdentification5 2.88 0..1 Customer Credit Transfer Initiation V03 ISO Name Country Of Residence +Payment Information ISO Definition Country in which a person resides (the place of a ++Credit Transfer Transaction Information person's home). In the case of a company, it is the +++Ultimate Debtor country from which the affairs of that company ++++Country Of Residence are directed. XML Tag CtryOfRes Type CountryCode Pattern [A-Z]{2,2} 2.89 0..1 Customer Credit Transfer Initiation V03 ISO Name Contact Details +Payment Information ISO Definition Set of elements used to indicate how to contact ++Credit Transfer Transaction Information the party. +++Ultimate Debtor XML Tag CtctDtls ++++Contact Details Type ContactDetails2 2.90 0..1 Customer Credit Transfer Initiation V03 ISO Name Intermediary Agent 1 +Payment Information ISO Definition Agent between the debtor's agent and the ++Credit Transfer Transaction Information creditor's agent. +++Intermediary Agent 1 Usage: If more than one intermediary agent is present, then IntermediaryAgent1 identifies the agent between the DebtorAgent and the IntermediaryAgent2. XML Tag IntrmyAgt1 Type BranchAndFinancialInstitutionIdentification4

26 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Customer to Bank Credit Transfer Information Mult NPC Core Requirements 2.91 0..1 Customer Credit Transfer Initiation V03 ISO Name Intermediary Agent 1Account +Payment Information ISO Definition Unambiguous identification of the account of the ++Credit Transfer Transaction Information intermediary agent 1 at its servicing agent in the +++Intermediary Agent 1Account payment chain. XML Tag IntrmyAgt1Acct Type CashAccount16 2.92 0..1 Customer Credit Transfer Initiation V03 ISO Name Intermediary Agent 2 +Payment Information ISO Definition Agent between the debtor's agent and the ++Credit Transfer Transaction Information creditor's agent. +++Intermediary Agent 2 Usage: If more than two intermediary agents are present, then IntermediaryAgent2 identifies the agent between the IntermediaryAgent1 and the IntermediaryAgent3. XML Tag IntrmyAgt2 Type BranchAndFinancialInstitutionIdentification4 2.93 0..1 Customer Credit Transfer Initiation V03 ISO Name Intermediary Agent 2Account +Payment Information ISO Definition Unambiguous identification of the account of the ++Credit Transfer Transaction Information intermediary agent 2 at its servicing agent in the +++Intermediary Agent 2Account payment chain. XML Tag IntrmyAgt2Acct Type CashAccount16 2.94 0..1 Customer Credit Transfer Initiation V03 ISO Name Intermediary Agent 3 +Payment Information ISO Definition Agent between the debtor's agent and the ++Credit Transfer Transaction Information creditor's agent. +++Intermediary Agent 3 Usage: If IntermediaryAgent3 is present, then it identifies the agent between the IntermediaryAgent 2 and the CreditorAgent. XML Tag IntrmyAgt3 Type BranchAndFinancialInstitutionIdentification4 2.95 0..1 Customer Credit Transfer Initiation V03 ISO Name Intermediary Agent 3Account +Payment Information ISO Definition Unambiguous identification of the account of the ++Credit Transfer Transaction Information intermediary agent 3 at its servicing agent in the +++Intermediary Agent 3Account payment chain. XML Tag IntrmyAgt3Acct Type CashAccount16 2.96 0..1 Customer Credit Transfer Initiation V03 NPC Rulebook AT-23 The BIC code of the Beneficiary Bank +Payment Information NPC Usage Rule(s) Either BIC or Clearing system member identify- ++Credit Transfer Transaction Information cation to be used. Clearing system member +++Creditor Agent identification is only allowed in combination with National Account Number or Alias/Proxy. If the BIC is not indicated 'Creditor Agent' structure is not to be used. ISO Name Creditor Agent ISO Definition Financial institution servicing an account for the creditor. XML Tag CdtrAgt Type BranchAndFinancialInstitutionIdentification4 2.96.1 1..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Either BIC or ‘Clearing system member Identifica- +Payment Information tion’ must be used. ++Credit Transfer Transaction Information ISO Name Financial Institution Identification +++Creditor Agent ISO Definition Unique and unambiguous identification of a ++++Financial Institution Identification financial institution, as assigned under an internationally recognised or proprietary identification scheme. XML Tag FinInstnId Type FinancialInstitutionIdentification7

27 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Customer to Bank Credit Transfer Information Mult NPC Core Requirements 2.96.2 0..1 Customer Credit Transfer Initiation V03 ISO Name BIC +Payment Information ISO Definition Code allocated to a financial institution by the ++ Credit Transfer Transaction Information ISO 9362 Registration Authority as described in +++ Creditor Agent ISO 9362 "Banking - Banking ++++Financial Institution Identification telecommunication messages - Business identifier +++++BIC code (BIC)". XML Tag BIC Type BICIdentifier Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3, 3}){0,1} 2.96.3 0..1 Customer Credit Transfer Initiation V03 ISO Name Clearing System Member Identification +Payment Information ISO Definition Information used to identify a member within a ++ Credit Transfer Transaction Information clearing system. +++ Creditor Agent XML Tag ClrSysMmbId ++++Financial Institution Identification Type ClearingSystemMemberIdentification2 +++++Clearing System Member Identifica- tion 2.97 0..1 Customer Credit Transfer Initiation V03 ISO Name Creditor Agent Account +Payment Information ISO Definition Unambiguous identification of the account of the ++Credit Transfer Transaction Information creditor agent at its servicing agent to which a +++Creditor Agent Account credit entry will be made as a result of the payment transaction. XML Tag CdtrAgtAcct Type CashAccount16 2.98 1..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Mandatory +Payment Information ISO Name Creditor ++Credit Transfer Transaction Information ISO Definition Party to which an amount of money is due. +++Creditor XML Tag Cdtr Type PartyIdentification32 2.99 1..1 Customer Credit Transfer Initiation V03 NPC Rulebook AT-21 The name of the Beneficiary. +Payment Information NPC Usage Rule(s) Mandatory ++Credit Transfer Transaction Information NPC Format Rule(s) ‘Name’ is limited to 70 characters in length. +++Creditor ISO Name Name ++++Name ISO Definition Name by which a party is known and which is usually used to identify that party. XML Tag Nm Type Max140Text ISO Length 1 .. 140 NPC Length 1 .. 70 2.100 0..1 Customer Credit Transfer Initiation V03 NPC Rulebook AT-22 The address of the Beneficiary. +Payment Information ISO Name Postal Address ++Credit Transfer Transaction Information ISO Definition Information that locates and identifies a specific +++Creditor address, as defined by postal services. ++++Postal Address XML Tag PstlAdr Type PostalAddress6 2.101 0..1 Customer Credit Transfer Initiation V03 ISO Name Address Type +Payment Information ISO Definition Identifies the nature of the postal address. ++Credit Transfer Transaction Information XML Tag AdrTp +++Creditor Type AddressType2Code ++++Postal Address +++++Address Type 2.102 0..1 Customer Credit Transfer Initiation V03 ISO Name Department +Payment Information ISO Definition Identification of a division of a large organisation ++Credit Transfer Transaction Information or building. +++Creditor XML Tag Dept ++++Postal Address Type Max70Text +++++Department ISO Length 1 .. 70 NPC Length 1 .. 70

28 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Customer to Bank Credit Transfer Information Mult NPC Core Requirements 2.103 0..1 Customer Credit Transfer Initiation V03 ISO Name Sub Department +Payment Information ISO Definition Identification of a sub-division of a large ++Credit Transfer Transaction Information organisation or building. +++Creditor XML Tag SubDept ++++Postal Address Type Max70Text +++++Sub Department ISO Length 1 .. 70 NPC Length 1 .. 70 2.104 0..1 Customer Credit Transfer Initiation V03 ISO Name Street Name +Payment Information ISO Definition Name of a street or thoroughfare. ++Credit Transfer Transaction Information XML Tag StrtNm +++Creditor Type Max70Text ++++Postal Address ISO Length 1 .. 70 +++++Street Name NPC Length 1 .. 70 2.105 0..1 Customer Credit Transfer Initiation V03 ISO Name Building Number +Payment Information ISO Definition Number that identifies the position of a building ++Credit Transfer Transaction Information on a street. +++Creditor XML Tag BldgNb ++++Postal Address Type Max16Text +++++Building Number ISO Length 1 .. 16 NPC Length 1 .. 16 2.106 0..1 Customer Credit Transfer Initiation V03 ISO Name Post Code +Payment Information ISO Definition Identifier consisting of a group of letters and/or ++Credit Transfer Transaction Information numbers that is added to a postal address to assist +++Creditor the sorting of mail. ++++Postal Address XML Tag PstCd +++++Post Code Type Max16Text ISO Length 1 .. 16 NPC Length 1 .. 16 2.107 0..1 Customer Credit Transfer Initiation V03 ISO Name Town Name +Payment Information ISO Definition Name of a built-up area, with defined boundaries, ++Credit Transfer Transaction Information and a local government. +++Creditor XML Tag TwnNm ++++Postal Address Type Max35Text +++++Town Name ISO Length 1 .. 35 NPC Length 1 .. 35 2.108 0..1 Customer Credit Transfer Initiation V03 ISO Name Country Sub Division +Payment Information ISO Definition Identifies a subdivision of a country such as state, ++Credit Transfer Transaction Information region, county. +++Creditor XML Tag CtrySubDvsn ++++Postal Address Type Max35Text +++++Country Sub Division ISO Length 1 .. 35 NPC Length 1 .. 35 2.109 0..1 Customer Credit Transfer Initiation V03 ISO Name Country +Payment Information ISO Definition Nation with its own government. ++Credit Transfer Transaction Information XML Tag Ctry +++Creditor Type CountryCode ++++Postal Address Pattern [A-Z]{2,2} +++++Country 2.110 0..2 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Only two occurrences are allowed. +Payment Information ISO Name Address Line ++Credit Transfer Transaction Information ISO Definition Information that locates and identifies a specific +++Creditor address, as defined by postal services, presented ++++Postal Address in free format text. +++++Address Line XML Tag AdrLine Type Max70Text ISO Length 1 .. 70 NPC Length 1 .. 70 2.111 0..1 Customer Credit Transfer Initiation V03 NPC Rulebook AT-24 The Beneficiary identification code. +Payment Information ISO Name Identification ++Credit Transfer Transaction Information ISO Definition Unique and unambiguous identification of a +++Creditor party. ++++Identification XML Tag Id Type Party6Choice 1..1 XML Tag xs:choice

29 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Customer to Bank Credit Transfer Information Mult NPC Core Requirements 2.112 1..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Either ‘BIC or BEI’ or one occurrence of ‘Other’ +Payment Information is allowed. ++Credit Transfer Transaction Information ISO Name Organisation Identification +++Creditor ISO Definition Unique and unambiguous way to identify an ++++Identification Organisation, ‘Organisationsnummer’. +++++Organisation Identification XML Tag OrgId Type OrganisationIdentification4 2.113 1..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Either ‘Date and Place of Birth’ or one +Payment Information occurrence of ‘Other’ is allowed. ++Credit Transfer Transaction Information ISO Name Private Identification +++Creditor ISO Definition Unique and unambiguous identification of a ++++Identification person, eg. ’Personnummer’. +++++Private Identification XML Tag PrvtId Type PersonIdentification5 2.114 0..1 Customer Credit Transfer Initiation V03 ISO Name Country Of Residence +Payment Information ISO Definition Country in which a person resides (the place of a ++Credit Transfer Transaction Information person's home). In the case of a company, it is the +++Creditor country from which the affairs of that company ++++Country Of Residence are directed. XML Tag CtryOfRes Type CountryCode Pattern [A-Z]{2,2} 2.115 0..1 Customer Credit Transfer Initiation V03 ISO Name Contact Details +Payment Information ISO Definition Set of elements used to indicate how to contact ++Credit Transfer Transaction Information the party. +++Creditor XML Tag CtctDtls ++++Contact Details Type ContactDetails2 2.116 1..1 Customer Credit Transfer Initiation V03 NPC Rulebook AT-20 The IBAN of the account of the Beneficiary +Payment Information AT-25 The ‘Alias’ or ‘Proxy’ of the Beneficiary’s ++Credit Transfer Transaction Information account +++Creditor Account NPC Usage Rule(s) Mandatory. Either IBAN or ‘Other’ should be populated. Other could be Alias, Proxy or ‘Na- tional Account Number. ISO Name Creditor Account ISO Definition Unambiguous identification of the account of the creditor to which a credit entry will be posted as a result of the payment transaction. XML Tag CdtrAcct Type CashAccount16 1..1 XML Tag xs:choice 2.116. 0..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Either IBAN (AT-20) or one occurrence of 1 +Payment Information ‘Other’ is allowed (AT-25) giving instead ‘Alias’ ++Credit Transfer Transaction Information or ‘Proxy’. +++Creditor Account ISO Name IBAN ++++Identification ISO Definition International Bank Account Number (IBAN) - +++++IBAN identifier used internationally by financial institu- tions to uniquely identify the account of a cus- tomer IBAN Type IBAN2007Identifier 2.116. 0..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) National account number (BBAN) or ‘Alias’ or 2 +Payment Information ‘Proxy’(AT-25) to be populated instead of IBAN. ++Credit Transfer Transaction Information When’Alias’ or ‘Proxy’ is used SchemeName +++Creditor Account must be specified together with code (BBAN) or ++++Identification Proprietary code e.g. SE BGNR +++++Other ISO Name Account Identification ++++++Identification ISO Definition Unique identification of an account, as assigned by the account servicer, using an identification scheme. XML Tag Othr Type GenericAccountIdentification1

30 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Customer to Bank Credit Transfer Information Mult NPC Core Requirements 2.116. 1..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) ‘Alias’ or Proxy schemes defined by Proprietary 3 +Payment Information code (e.g. National Account Number, Swedish ++Credit Transfer Transaction Information Bankgiro number, Swedish Plusgiro number, +++Creditor Account Danish FIK Code, Mobile phone number etc.) ++++Identification ISO Name SchemeName. +++++Other ISO Definition Name of the identification scheme ++++++Identification +++++++SchemeName XML Tag SchmeNm Type AccountSchemeName1Choice 1..1 XML Tag xs:choice 2.116. 0..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Code used for National Account Number (BBAN) 4 +Payment Information ISO Name Code ++Credit Transfer Transaction Information ISO Definition Name of the identification scheme, in a coded +++Creditor Account form as published in an external list. ++++Identification XML Tag Prtry +++++Other ++++++Identification +++++++SchemeName Type ExternalAccountIdentification1Code ++++++++Code ISO Length 1 ..4 NPC Length 1 ..4 2.116. 0..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Proprietary code are used to define SchemeName 5 +Payment Information ISO Name Proprietary. ++Credit Transfer Transaction Information ISO Definition Name of the identification scheme, in a free text +++Creditor Account form. ++++Identification XML Tag Prtry +++++Other ++++++Identification Type Max35Text +++++++SchemeName ISO Length 1 .. 35 ++++++++Proprietary NPC Length 1 ..35 2.117 0..1 Customer Credit Transfer Initiation V03 ISO Name Ultimate Creditor +Payment Information ISO Definition Ultimate party to which an amount of money is ++Credit Transfer Transaction Information due. +++Ultimate Creditor XML Tag UltmtCdtr Type PartyIdentification32 2.118 0..1 Customer Credit Transfer Initiation V03 NPC Rulebook AT-28 The name of the Beneficiary Reference +Payment Information Party. ++Credit Transfer Transaction Information NPC Format Rule(s) ‘Name’ is limited to 70 characters in length. +++Ultimate Creditor ISO Name Name ++++Name ISO Definition Name by which a party is known and which is usually used to identify that party. XML Tag Nm Type Max140Text ISO Length 1 .. 140 NPC Length 1 .. 70 2.119 0..1 Customer Credit Transfer Initiation V03 ISO Name Postal Address +Payment Information ISO Definition Information that locates and identifies a specific ++Credit Transfer Transaction Information address, as defined by postal services. +++Ultimate Creditor XML Tag PstlAdr ++++Postal Address Type PostalAddress6 2.120 0..1 Customer Credit Transfer Initiation V03 NPC Rulebook AT-29 The identification code of the Beneficiary +Payment Information Reference Party. ++Credit Transfer Transaction Information ISO Name Identification +++Ultimate Creditor ISO Definition Unique and unambiguous identification of a ++++Identification party. XML Tag Id Type Party6Choice 1..1 XML Tag xs:choice 2.121 1..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Either ‘BIC or BEI’ or one occurrence of ‘Other’ +Payment Information is allowed. ++Credit Transfer Transaction Information ISO Name Organisation Identification +++Ultimate Creditor ISO Definition Unique and unambiguous way to identify an ++++Identification Organisation, eg. ‘Organisationsnummer’. +++++Organisation Identification XML Tag OrgId Type OrganisationIdentification4

31 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Customer to Bank Credit Transfer Information Mult NPC Core Requirements 2.122 1..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Either ‘Date and Place of Birth’ or one +Payment Information occurrence of ‘Other’ is allowed. ++Credit Transfer Transaction Information ISO Name Private Identification +++Ultimate Creditor ISO Definition Unique and unambiguous identification of a ++++Identification person, eg. ’Personnummer’. +++++Private Identification XML Tag PrvtId Type PersonIdentification5 2.123 0..1 Customer Credit Transfer Initiation V03 ISO Name Country Of Residence +Payment Information ISO Definition Country in which a person resides (the place of a ++Credit Transfer Transaction Information person's home). In the case of a company, it is the +++Ultimate Creditor country from which the affairs of that company ++++Country Of Residence are directed. XML Tag CtryOfRes Type CountryCode Pattern [A-Z]{2,2} 2.124 0..1 Customer Credit Transfer Initiation V03 ISO Name Contact Details +Payment Information ISO Definition Set of elements used to indicate how to contact ++Credit Transfer Transaction Information the party. +++Ultimate Creditor XML Tag CtctDtls ++++Contact Details Type ContactDetails2 2.125 0..n Customer Credit Transfer Initiation V03 ISO Name Instruction For Creditor Agent +Payment Information ISO Definition Further information related to the processing of ++Credit Transfer Transaction Information the payment instruction, provided by the initiat- +++Instruction For Creditor Agent ing party, and intended for the creditor agent. XML Tag InstrForCdtrAgt Type InstructionForCreditorAgent1 2.126 0..1 Customer Credit Transfer Initiation V03 ISO Name Instruction For Debtor Agent +Payment Information ISO Definition Further information related to the processing of ++Credit Transfer Transaction Information the payment instruction, that may need to be +++Instruction For Debtor Agent acted upon by the debtor agent, depending on agreement between debtor and the debtor agent. XML Tag InstrForDbtrAgt Type Max140Text ISO Length 1 .. 140 NPC Length 1 .. 140 2.127 0..1 Customer Credit Transfer Initiation V03 NPC Rulebook AT-44 The purpose of NCT Inst Instruction. +Payment Information NPC Usage Rule(s) In case the transaction is a transfer back related ++Credit Transfer Transaction Information to an earlier executed NCT Inst Transaction, the +++Purpose purpose must be RRCT’ (Reimbursement Re- ceived Credit Transfer) or another code meaning- ful for identifying the NCT Inst as a transfer back. ISO Name Purpose ISO Definition Underlying reason for the payment transaction. Usage: Purpose is used by the end-customers, that is initiating party, (ultimate) debtor, (ultimate) creditor to provide information concerning the nature of the payment. Purpose is a content element, which is not used for processing by any of the agents involved in the payment chain. XML Tag Purp Type Purpose2Choice 1..1 XML Tag xs:choice 2.128 1..1 Customer Credit Transfer Initiation V03 ISO Name Code +Payment Information ISO Definition Underlying reason for the payment transaction, as ++Credit Transfer Transaction Information published in an external purpose code list. +++Purpose XML Tag Cd ++++Code Type ExternalPurpose1Code ISO Length 1 .. 4 NPC Length 1 .. 4

32 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Customer to Bank Credit Transfer Information Mult NPC Core Requirements 2.129 1..1 Customer Credit Transfer Initiation V03 ISO Name Proprietary +Payment Information ISO Definition Purpose, in a proprietary form. ++Credit Transfer Transaction Information XML Tag Prtry +++Purpose Type Max35Text ++++Proprietary ISO Length 1 .. 35 NPC Length 1 .. 35 2.130 0.. Customer Credit Transfer Initiation V03 ISO Name Regulatory Reporting 10 +Payment Information ISO Definition Information needed due to regulatory and ++Credit Transfer Transaction Information statutory requirements. +++Regulatory Reporting XML Tag RgltryRptg Type RegulatoryReporting3 2.131 0..1 Customer Credit Transfer Initiation V03 ISO Name Tax +Payment Information ISO Definition Set of elements used to provide details on the tax. ++Credit Transfer Transaction Information XML Tag Tax +++Tax Type TaxInformation3 2.132 0..1 Customer Credit Transfer Initiation V03 ISO Name Related Remittance Information +Payment Information ISO Definition Set of elements used to provide information ++Credit Transfer Transaction Information related to the handling of the remittance +++Related Remittance Information information by any of the agents in the transaction processing chain. XML Tag RltdRmtInf Type RemittanceLocation2 2.133 0..1 Customer Credit Transfer Initiation V03 NPC Rulebook AT-05 The Remittance Information sent by the +Payment Information Originator to the Beneficiary in the NCT Inst In- ++Credit Transfer Transaction Information struction. +++Remittance Information NPC Usage Rule(s) Either ‘Structured’ or ‘Unstructured’ may be present ISO Name Remittance Information ISO Definition Information supplied to enable the matching of an entry with the items that the transfer is intended to settle, such as commercial invoices in an accounts' receivable system. XML Tag RmtInf Type RemittanceInformation5 2.134 0..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) ‘Unstructured’ may carry structured remittance +Payment Information information, as agreed between the Originator ++Credit Transfer Transaction Information and the Beneficiary. +++Remittance Information Only one occurrence of ‘Unstructured’ is ++++Unstructured allowed. ISO Name Unstructured ISO Definition Information supplied to enable the matching/ reconciliation of an entry with the items that the payment is intended to settle, such as commercial invoices in an accounts' receivable system, in an unstructured form. XML Tag Ustrd Type Max140Text ISO Length 1 .. 140 NPC Length 1 .. 140 2.135 0..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Only one occurrence of ‘Structured’ is allowed. +Payment Information NPC Format Rule(s) ‘Structured’ can be used, provided the tags and ++Credit Transfer Transaction Information the data within the ‘Structured’ element ((i.e. ex- +++Remittance Information cluding and ) do not exceed 140 ++++Structured characters in length. ISO Name Structured ISO Definition Information supplied to enable the matching/ reconciliation of an entry with the items that the payment is intended to settle, such as commercial invoices in an accounts' receivable system, in a structured form. XML Tag Strd Type StructuredRemittanceInformation7

33 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Customer to Bank Credit Transfer Information Mult NPC Core Requirements 2.136 0..n Customer Credit Transfer Initiation V03 ISO Name Referred Document Information +Payment Information ISO Definition Set of elements used to identify the documents ++Credit Transfer Transaction Information referred to in the remittance information. +++Remittance Information XML Tag RfrdDocInf ++++Structured Type ReferredDocumentInformation3 +++++Referred Document Information 2.137 0..1 Customer Credit Transfer Initiation V03 ISO Name Referred Document Amount +Payment Information ISO Definition Set of elements used to provide details on the ++Credit Transfer Transaction Information amounts of the referred document. +++Remittance Information XML Tag RfrdDocAmt ++++Structured Type RemittanceAmount1 +++++Referred Document Amount 2.138 0..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) When present, the Debtor Bank is obliged to +Payment Information validate the reference information. ++Credit Transfer Transaction Information When used both ‘Creditor Reference Type’ and +++Remittance Information ‘Creditor Reference’ must be present. ++++Structured ISO Name Creditor Reference Information +++++Creditor Reference Information ISO Definition Reference information provided by the creditor to allow the identification of the underlying documents. XML Tag CdtrRefInf Type CreditorReferenceInformation2 2.139 0..1 Customer Credit Transfer Initiation V03 ISO Name Type +Payment Information ISO Definition Specifies the type of creditor reference. ++Credit Transfer Transaction Information XML Tag Tp +++Remittance Information Type CreditorReferenceType2 ++++Structured +++++Creditor Reference Information ++++++Type 2.140 1..1 Customer Credit Transfer Initiation V03 ISO Name Code Or Proprietary +Payment Information ISO Definition Coded or proprietary format creditor reference ++Credit Transfer Transaction Information type. +++Remittance Information XML Tag CdOrPrtry ++++Structured Type CreditorReferenceType1Choice +++++Creditor Reference Information ++++++Type +++++++Code Or Proprietary 1..1 XML Tag xs:choice 2.141 1..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Only ‘SCOR’ is allowed. +Payment Information ISO Name Code ++Credit Transfer Transaction Information ISO Definition Type of creditor reference, in a coded form. +++Remittance Information XML Tag Cd ++++Structured Type DocumentType3Code +++++Creditor Reference Information ++++++Type +++++++Code Or Proprietary ++++++++Code NPC Code Restrictions SCOR StructuredCommunicationReference Document is a structured communication reference provided by the creditor to identify the referred transaction. 2.142 1..1 Customer Credit Transfer Initiation V03 ISO Name Proprietary +Payment Information ISO Definition Creditor reference type, in a proprietary form. ++Credit Transfer Transaction Information XML Tag Prtry +++Remittance Information Type Max35Text ++++Structured ISO Length 1 .. 35 +++++Creditor Reference Information NPC Length 1 .. 35 ++++++Type +++++++Code Or Proprietary ++++++++Proprietary

34 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Customer to Bank Credit Transfer Information Mult NPC Core Requirements 2.143 0..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) If RF Creditor Reference (ISO 11649) is used, type +Payment Information must be ‘ISO’ ++Credit Transfer Transaction Information ISO Name Issuer +++Remittance Information ISO Definition Entity that assigns the credit reference type. ++++Structured XML Tag Issr +++++Creditor Reference Information Type Max35Text ++++++Type ISO Length 1 .. 35 +++++++Issuer NPC Length 1 .. 35 2.144 0..1 Customer Credit Transfer Initiation V03 NPC Usage Rule(s) Mandatory if ‘Creditor Reference Information’ is +Payment Information used. ++Credit Transfer Transaction Information OCR Reference can only be used in combination +++Remittance Information with the corresponding ‘Alias’ or bank account. ++++Structured When the Debtor bank validates a Reference and if this validation fails +++++Creditor Reference Information were the Beneficiary Account/Beneficairy account ++++++Reference Alias has a hard block setup the Debtor bank must reject the paymeny. If the Beneficiary Account/Beneficairy account Alias has a soft block setup, the bank may continue its processing and send the transaction to the next party in the chain

ISO Name Reference ISO Definition Unique reference, as assigned by the creditor, to unambiguously refer to the payment transaction.

Usage: If available, the initiating party should provide this reference in the structured remittance information, to enable reconciliation by the creditor upon receipt of the amount of money.

If the business context requires the use of a creditor reference or a payment remit identification, and only one identifier can be passed through the end-to-end chain, the creditor's reference or payment remittance identification should be quoted in the end-to-end transaction identification. XML Tag Ref Type Max35Text ISO Length 1 .. 35 NPC Length 1 .. 35 2.145 0..1 Customer Credit Transfer Initiation V03 ISO Name Invoicer +Payment Information ISO Definition Identification of the organisation issuing the ++Credit Transfer Transaction Information invoice, when it is different from the creditor or +++Remittance Information ultimate creditor. ++++Structured XML Tag Invcr +++++Invoicer Type PartyIdentification32 2.146 0..1 Customer Credit Transfer Initiation V03 ISO Name Invoicee +Payment Information ISO Definition Identification of the party to whom an invoice is ++Credit Transfer Transaction Information issued, when it is different from the debtor or +++Remittance Information ultimate debtor. ++++Structured XML Tag Invcee +++++Invoicee Type PartyIdentification32 2.147 0..3 Customer Credit Transfer Initiation V03 ISO Name Additional Remittance Information +Payment Information ISO Definition Additional information, in free text form, to ++Credit Transfer Transaction Information complement the structured remittance +++Remittance Information information. ++++Structured XML Tag AddtlRmtInf +++++Additional Remittance Information Type Max140Text ISO Length 1 .. 140 NPC Length 1 .. 140

35 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

2.2 Bank to Customer Reject, Negative or Positive Confirmation (based on DS-03) 2.2.1 Recommended use of the Customer Payment Status Report (pain.002.001.03) A. Reject The code ‘RJCT’ must be used in ‘Group Status’, or ‘Payment Information Status’ or ‘Transaction Status’. The Originator Bank is the status originator and the reason code is different from ‘timeout’ related rea- sons. The message caters for bulk and single reject messages. Note: Attribute AT-R1’ The type of R-message’ in DS-03 is implied by the ‘Message Name’, ‘pain.002.001.03’, the ‘Original Message Name Identification’ set to ‘pain.001.001.03’ and ‘Group Sta- tus’, ‘Payment Information Status’ or ‘Transaction Status’ set to ‘RJCT’. Note: Message elements under ‘Original Transaction Reference’ sequence are based on DS-01 attrib- utes. B. Negative confirmation The code ‘RJCT’ must be used in ‘Group Status’, or ‘Payment Information Status’ or ‘Transaction Status’. If the Originator Bank is the status originator (element ‘Originator’ under ‘Status’ on various levels) then the code has to be a time-out related reason. If the status originator is not the Originator Bank, then any status can be used. The message caters for bulk and single negative confirmations. Note: Attribute AT-R1 in DS-03 is implied by the ‘Message Name’, ‘pain.002.001.03’, the ‘Original Mes- sage Name Identification’ set to ‘pain.001.001.03’ and ‘Group Status’, ‘Payment Information Status’ or ‘Transaction Status’ set to ‘RJCT’. Note: Message elements under ‘Original Transaction Reference’ sequence are based on DS-02 attrib- utes. C. Positive confirmation The code ‘ACCP’ (Accepted Customer Profile) must be used in ‘Group Status’, or ‘Payment Information Status’ or ‘Transaction Status’. The Beneficiary Bank is the ‘Status Originator’ (no reason code). The message caters for bulk and single positive confirmations Note: The use case in DS-03 is implied by the ‘Message Name’, ‘pain.002.001.03’, the ‘Original Message Name Identification’ set to ‘pain.001.001.03’ and ‘Group Status’, ‘Payment Information Status’ or ‘Transaction Status’ set to ‘ACCP’. Note: Message elements under ‘Original Transaction Reference’ sequence are based on DS-02 attrib- utes.

36 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Bank to Customer Reject, Negative or Positive Confirmation Mult NPC Core Requirements Document XML Tag Document Type Document 1..1 Customer Payment Status Report V03 ISO Name Customer Payment Status Report V03 ISO Definition The CustomerPaymentStatusReport message is sent by an instructed agent to the payment initiator. It is used to inform this party about the positive or negative status of an instruction (either single, group or file). It is also used to report on a pending instruction. XML Tag CstmrPmtStsRpt Type CustomerPaymentStatusReportV03 1.0 1..1 Customer Payment Status Report V03 ISO Name Group Header +Group Header ISO Definition Set of characteristics shared by all individual transactions included in the status report message. XML Tag GrpHdr Type GroupHeader36 1.1 1..1 Customer Payment Status Report V03 ISO Name Message Identification +Group Header ISO Definition Point to point reference, as assigned by the ++Message Identification instructing party, and sent to the next party in the chain to unambiguously identify the message. Usage: The instructing party has to make sure that 'MessageIdentification' is unique per instructed party for a pre-agreed period. XML Tag MsgId Type Max35Text ISO Length 1 .. 35 NPC Length 1 .. 35 1.2 1..1 Customer Payment Status Report V03 ISO Name Creation Date Time +Group Header ISO Definition Date and time at which the message was created. ++Creation Date Time XML Tag CreDtTm Type ISODateTime 1.3 0..1 Customer Payment Status Report V03 ISO Name Initiating Party +Group Header ISO Definition Party that initiates the status message. ++Initiating Party XML Tag InitgPty Type PartyIdentification32 1.4 0..1 Customer Payment Status Report V03 ISO Name Forwarding Agent +Group Header ISO Definition Financial institution that receives the instruction ++Forwarding Agent from the initiating party and forwards it to the next agent in the payment chain. XML Tag FwdgAgt Type BranchAndFinancialInstitutionIdentification4 1.5 0..1 Customer Payment Status Report V03 NPC Rulebook AT-06 The BIC code of the Originator Bank. +Group Header NPC Usage Rule(s) Either BIC or Clearing system member idenfica- ++Debtor Agent tion to be used. ISO Name Debtor Agent ISO Definition Financial institution servicing an account for the debtor. XML Tag DbtrAgt Type BranchAndFinancialInstitutionIdentification4 1.6 0..1 Customer Payment Status Report V03 NPC Rulebook AT-23 The BIC code of the Beneficiary Bank +Group Header NPC Usage Rule(s) Either BIC or Clearing system member identifica ++Creditor Agent tion to be used. ISO Name Creditor Agent ISO Definition Financial institution servicing an account for the creditor. XML Tag CdtrAgt Type BranchAndFinancialInstitutionIdentification4 2.0 1..1 Customer Payment Status Report V03 ISO Name Original Group Information And Status +Original Group Information And Status ISO Definition Original group information concerning the group of transactions, to which the status report message refers to. XML Tag OrgnlGrpInfAndSts Type OriginalGroupInformation20

37 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Bank to Customer Reject, Negative or Positive Confirmation Mult NPC Core Requirements 2.1 1..1 Customer Payment Status Report V03 ISO Name Original Message Identification +Original Group Information And Status ISO Definition Point to point reference, as assigned by the ++Original Message Identification original instructing party, to unambiguously identify the original message. XML Tag OrgnlMsgId Type Max35Text ISO Length 1 .. 35 NPC Length 1 .. 35 2.2 1..1 Customer Payment Status Report V03 NPC Usage Rule(s) Only pain.001.001.03 is allowed +Original Group Information And Status ISO Name Original Message Name Identification ++Original Message Name Identification ISO Definition Specifies the original message name identifier to which the message refers. XML Tag OrgnlMsgNmId Type Max35Text ISO Length 1 .. 35 NPC Length 1 .. 35 2.3 0..1 Customer Payment Status Report V03 ISO Name Original Creation Date Time +Original Group Information And Status ISO Definition Date and time at which the original message was ++Original Creation Date Time created. XML Tag OrgnlCreDtTm Type ISODateTime 2.4 0..1 Customer Payment Status Report V03 ISO Name Original Number Of Transactions +Original Group Information And Status ISO Definition Number of individual transactions contained in ++Original Number Of Transactions the original message. XML Tag OrgnlNbOfTxs Type Max15NumericText Pattern [0-9]{1,15} 2.5 0..1 Customer Payment Status Report V03 ISO Name Original Control Sum +Original Group Information And Status ISO Definition Total of all individual amounts included in the ++Original Control Sum original message, irrespective of currencies. XML Tag OrgnlCtrlSum Type DecimalNumber NPC FractDigits 17 TotalDigits 18 2.6 0..1 Customer Payment Status Report V03 NPC Rulebook AT-R1 The type of R-message. +Original Group Information And Status NPC Usage Rule(s) ‘Group Status’, ‘Payment Information Status’ or ++Group Status ‘Transaction Status’ must be present with the code ‘RJCT’ in case of a negative confirmation or a reject, or 'ACCP' in case of a positive confirmation. ISO Name Group Status ISO Definition Specifies the status of a group of transactions. XML Tag GrpSts Type TransactionGroupStatus3Code NPC Code Restrictions ACCP AcceptedCustomerProfile Preceding check of technical validation was successful. Customer profile check was also successful. RJCT Rejected Payment initiation or individual transaction included in the payment initiation has been rejected. 2.7 0..n Customer Payment Status Report V03 NPC Usage Rule(s) ‘Status Reason Information’ must be present only +Original Group Information And Status if ‘Group Status’ is ‘RJCT’. ++Status Reason Information ISO Name Status Reason Information ISO Definition Set of elements used to provide detailed information on the status reason. XML Tag StsRsnInf Type StatusReasonInformation8

38 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Bank to Customer Reject, Negative or Positive Confirmation Mult NPC Core Requirements 2.8 1..1 Customer Payment Status Report V03 NPC Rulebook AT-R2 The identification of the type of party that +Original Group Information And Status initiated the "R" message (to be used for a nega- ++Status Reason Information tive confirmation or a reject) or AT-23 The BIC +++Originator code of the Beneficiary Bank (to be used for a positive confirmation). NPC Usage Rule(s) Mandatory. Limited to BIC to identify the bank or CSM originating the status or ‘Name’ to indicate a CSM when it has no BIC. ‘Name’ is limited to 70 characters in length. ISO Name Originator ISO Definition Party that issues the status. XML Tag Orgtr Type PartyIdentification32 2.9 0..1 Customer Payment Status Report V03 NPC Rulebook AT-R3 The reason code for non-acceptance of +Original Group Information And Status the NCT Inst Transaction. ++Status Reason Information NPC Usage Rule(s) Mandatory if ‘Group Status’ is ‘RJCT’. +++Reason ISO Name Reason ISO Definition Specifies the reason for the status report. XML Tag Rsn Type StatusReason6Choice 1..1 XML Tag xs:choice 2.10 1..1 Customer Payment Status Report V03 NPC Rulebook See Message Element Specifications below. +Original Group Information And Status ISO Name Code ++Status Reason Information ISO Definition Reason for the status, as published in an external +++Reason reason code list. ++++Code XML Tag Cd Type ExternalStatusReason1Code ISO Length 1 .. 4 NPC Length 1 .. 4 2.11 1..1 Customer Payment Status Report V03 ISO Name Proprietary +Original Group Information And Status ISO Definition Reason for the status, in a proprietary form. ++Status Reason Information XML Tag Prtry +++Reason Type Max35Text ++++Proprietary ISO Length 1 .. 35 NPC Length 1 .. 35 2.12 0..n Customer Payment Status Report V03 ISO Name Additional Information +Original Group Information And Status ISO Definition Further details on the status reason. ++Status Reason Information +++Additional Information Usage: Additional information can be used for several purposes such as the reporting of repaired information. XML Tag AddtlInf Type Max105Text ISO Length 1 .. 105 NPC Length 1 .. 105 2.13 0..n Customer Payment Status Report V03 ISO Name Number Of Transactions Per Status +Original Group Information And Status ISO Definition Detailed information on the number of ++Number Of Transactions Per Status transactions for each identical transaction status. XML Tag NbOfTxsPerSts Type NumberOfTransactionsPerStatus3 3.0 0..n Customer Payment Status Report V03 ISO Name Original Payment Information And Status +Original Payment Information And Status ISO Definition Information concerning the original payment information, to which the status report message refers. XML Tag OrgnlPmtInfAndSts Type OriginalPaymentInformation1

39 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Bank to Customer Reject, Negative or Positive Confirmation Mult NPC Core Requirements 3.1 1..1 Customer Payment Status Report V03 ISO Name Original Payment Information Identification +Original Payment Information And Status ISO Definition Unique identification, as assigned by the original ++Original Payment Information sending party, to unambiguously identify the Identification original payment information group. XML Tag OrgnlPmtInfId Type Max35Text ISO Length 1 .. 35 NPC Length 1 .. 35 3.2 0..1 Customer Payment Status Report V03 ISO Name Original Number Of Transactions +Original Payment Information And Status ISO Definition Number of individual transactions contained in ++Original Number Of Transactions the original payment information group. XML Tag OrgnlNbOfTxs Type Max15NumericText Pattern [0-9]{1,15} 3.3 0..1 Customer Payment Status Report V03 ISO Name Original Control Sum +Original Payment Information And Status ISO Definition Total of all individual amounts included in the ++Original Control Sum original payment information group, irrespective of currencies. XML Tag OrgnlCtrlSum Type DecimalNumber NPC FractDigits 17 TotalDigits 18 3.4 0..1 Customer Payment Status Report V03 NPC Rulebook AT-R1 The type of R-message. +Original Payment Information And Status NPC Usage Rule(s) ‘Group Status’, ‘Payment Information Status’ or ++Payment Information Status ‘Transaction Status’ must be present with the code ‘RJCT’ in case of a negative confirmation or reject, or 'ACCP' in case of a positive confirmation. ISO Name Payment Information Status ISO Definition Specifies the status of the payment information group. XML Tag PmtInfSts Type TransactionGroupStatus3Code NPC Code Restrictions ACCP AcceptedCustomerProfile Preceding check of technical validation was successful. Customer profile check was also successful. RJCT Rejected Payment initiation or individual transaction included in the payment initiation has been rejected. 3.5 0..1 Customer Payment Status Report V03 NPC Usage Rule(s) Mandatory if ‘Payment Information Status’ is +Original Payment Information And Status 'RJCT'. ++Status Reason Information ISO Name Status Reason Information ISO Definition Set of elements used to provide detailed information on the status reason. XML Tag StsRsnInf Type StatusReasonInformation8

40 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Bank to Customer Reject, Negative or Positive Confirmation Mult NPC Core Requirements 3.6 1..1 Customer Payment Status Report V03 NPC Rulebook AT-R2 The identification of the type of party that +Original Payment Information And Status initiated the "R" message (to be used for a nega- ++Status Reason Information tive confirmation or a reject) or AT-23 The BIC +++Originator code of the Beneficiary Bank (to be used for a positive confirmation). NPC Usage Rule(s) Mandatory. Limited to BIC to identify the bank or CSM originating the status or ‘Name’ to indicate a CSM when it has no BIC. ‘Name’ is limited to 70 characters in length. ISO Name Originator ISO Definition Party that issues the status. XML Tag Orgtr Type PartyIdentification32 3.7 0..1 Customer Payment Status Report V03 NPC Rulebook AT-R3 The reason code for non-acceptance of the +Original Payment Information And Status NCT Inst Transaction. ++Status Reason Information NPC Usage Rule(s) Mandatory if ‘Group Status’ is ‘RJCT’ (Re- +++Reason jected). Not allowed if 'Group Status' is 'ACCP' (Accepted Customer Profile). ISO Name Reason ISO Definition Specifies the reason for the status report. XML Tag Rsn Type StatusReason6Choice 1..1 XML Tag xs:choice 3.8 1..1 Customer Payment Status Report V03 NPC Rulebook See Message Element Specifications below. +Original Payment Information And Status ISO Name Code ++Status Reason Information ISO Definition Reason for the status, as published in an external +++Reason reason code list. ++++Code XML Tag Cd Type ExternalStatusReason1Code ISO Length 1 .. 4 NPC Length 1 .. 4 3.9 1..1 Customer Payment Status Report V03 ISO Name Proprietary +Original Payment Information And Status ISO Definition Reason for the status, in a proprietary form. ++Status Reason Information XML Tag Prtry +++Reason Type Max35Text ++++Proprietary ISO Length 1 .. 35 NPC Length 1 .. 35 3.10 0..n Customer Payment Status Report V03 ISO Name Additional Information +Original Payment Information And Status ISO Definition Further details on the status reason. ++Status Reason Information +++Additional Information Usage: Additional information can be used for several purposes such as the reporting of repaired information. XML Tag AddtlInf Type Max105Text ISO Length 1 .. 105 NPC Length 1 .. 105 3.11 0..n Customer Payment Status Report V03 ISO Name Number Of Transactions Per Status +Original Payment Information And Status ISO Definition Detailed information on the number of ++Number Of Transactions Per Status transactions for each identical transaction status. XML Tag NbOfTxsPerSts Type NumberOfTransactionsPerStatus3 3.12 0..n Customer Payment Status Report V03 ISO Name Transaction Information And Status +Original Payment Information And Status ISO Definition Set of elements used to provide information on ++Transaction Information And Status the original transactions to which the status report message refers. XML Tag TxInfAndSts Type PaymentTransactionInformation25

41 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Bank to Customer Reject, Negative or Positive Confirmation Mult NPC Core Requirements 3.13 0..1 Customer Payment Status Report V03 NPC Rulebook AT-R4 The specific reference of the party +Original Payment Information And Status initiating the reject (note: to be used for a ++Transaction Information And Status negative confirmation or reject) or AT-51 The +++Status Identification Beneficiary Bank's reference of the NCT Inst Transaction (note: to be used for a positive confirmation). ISO Name Status Identification ISO Definition Unique identification, as assigned by an instructing party for an instructed party, to unambiguously identify the reported status. Usage: The instructing party is the party sending the status message and not the party that sent the original instruction that is being reported on. XML Tag StsId Type Max35Text ISO Length 1 .. 35 NPC Length 1 .. 35 3.14 0..1 Customer Payment Status Report V03 ISO Name Original Instruction Identification +Original Payment Information And Status ISO Definition Unique identification, as assigned by the original ++Transaction Information And Status instructing party for the original instructed party, +++Original Instruction Identification to unambiguously identify the original instruction. XML Tag OrgnlInstrId Type Max35Text ISO Length 1 .. 35 NPC Length 1 .. 35 3.15 0..1 Customer Payment Status Report V03 NPC Rulebook AT-41 The Originator’s reference of the NPC Inst +Original Payment Information And Status instruction. ++Transaction Information And Status ISO Name Original End To End Identification +++Original End To End Identification ISO Definition Unique identification, as assigned by the original initiating party, to unambiguously identify the original transaction. XML Tag OrgnlEndToEndId Type Max35Text ISO Length 1 .. 35 NPC Length 1 .. 35 3.16 0..1 Customer Payment Status Report V03 NPC Rulebook AT-R1 The type of R-message. +Original Payment Information And Status NPC Usage Rule(s) ‘Group Status’, Payment Information Status’ or ++Transaction Information And Status ‘Transaction Status’ must be present with the +++Transaction Status code ‘RJCT’ in case of a negative confirmation or reject, or 'ACCP' in case of a positive confirmation. ISO Name Transaction Status ISO Definition Specifies the status of a transaction, in a coded form. XML Tag TxSts Type TransactionIndividualStatus3Code NPC Code Restrictions ACCP AcceptedCustomerProfile Preceding check of technical validation was successful. Customer profile check was also successful. RJCT Rejected Payment initiation or individual transaction included in the payment initiation has been rejected.

42 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Bank to Customer Reject, Negative or Positive Confirmation Mult NPC Core Requirements 3.17 0..1 Customer Payment Status Report V03 NPC Usage Rule(s) Mandatory if 'Transaction Status’ is 'RJCT (Re- +Original Payment Information And Status jected)'. ++Transaction Information And Status ISO Name Status Reason Information +++Status Reason Information ISO Definition Set of elements used to provide detailed infor- mation on the status reason. XML Tag StsRsnInf Type StatusReasonInformation8 3.18 1..1 Customer Payment Status Report V03 NPC Rulebook AT-R2 The identification of the type of party +Original Payment Information And Status initiating the "R" message (to be used for a nega- ++Transaction Information And Status tive confirmation or a reject) or AT-23 The BIC +++Status Reason Information code of the Beneficiary Bank (to be used for a ++++Originator positive confirmation). NPC Usage Rule(s) Mandatory. Usage Rule: ‘Name’ is limited to 70 characters in length. Usage Rule: Limited to BIC to identify the bank or CSM originating the status or ‘Name’ to indicate a CSM when it has no BIC." ISO Name Originator ISO Definition Party that issues the status. XML Tag Orgtr Type PartyIdentification32 3.19 0..1 Customer Payment Status Report V03 NPC Rulebook AT-R3 The reason code for non-acceptance of the +Original Payment Information And Status NCT Inst Transaction. ++Transaction Information And Status NPC Usage Rule(s) Mandatory if 'Transaction Status' is 'RJCT' (Re- +++Status Reason Information jected). Not allowed if 'Group Status' is 'ACCP' ++++Reason (Accepted Customer Profile) ISO Name Reason ISO Definition Specifies the reason for the status report. XML Tag Rsn Type StatusReason6Choice 1..1 XML Tag xs:choice 3.20 1..1 Customer Payment Status Report V03 NPC Rulebook See Message Element specifications below. +Original Payment Information And Status ISO Name Code ++Transaction Information And Status ISO Definition Reason for the status, as published in an external +++Status Reason Information reason code list. ++++Reason XML Tag Cd +++++Code Type ExternalStatusReason1Code ISO Length 1 .. 4 NPC Length 1 .. 4 3.21 1..1 Customer Payment Status Report V03 ISO Name Proprietary +Original Payment Information And Status ISO Definition Reason for the status, in a proprietary form. ++Transaction Information And Status XML Tag Prtry +++Status Reason Information Type Max35Text ++++Reason ISO Length 1 .. 35 +++++Proprietary NPC Length 1 .. 35 3.22 0..n Customer Payment Status Report V03 ISO Name Additional Information +Original Payment Information And Status ISO Definition Further details on the status reason. ++Transaction Information And Status +++Status Reason Information Usage: Additional information can be used for ++++Additional Information several purposes such as the reporting of repaired information. XML Tag AddtlInf Type Max105Text ISO Length 1 ..105 NPC Length 1 ..105

43 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Bank to Customer Reject, Negative or Positive Confirmation Mult NPC Core Requirements 3.23 0..n Customer Payment Status Report V03 ISO Name Charges Information +Original Payment Information And Status ISO Definition Provides information on the charges related to the ++Transaction Information And Status processing of the rejection of the instruction. +++Charges Information Usage: This is passed on for information purposes only. Settlement of the charges will be done separately. XML Tag ChrgsInf Type ChargesInformation5 3.24 0..1 Customer Payment Status Report V03 ISO Name Acceptance Date Time +Original Payment Information And Status ISO Definition Point in time when the payment order from the ++Transaction Information And Status initiating party meets the processing conditions of +++Acceptance Date Time the account servicing agent. This means that the account servicing agent has received the payment order and has applied checks such as authorisation, availability of funds. XML Tag AccptncDtTm Type ISODateTime 3.25 0..1 Customer Payment Status Report V03 ISO Name Account Servicer Reference +Original Payment Information And Status ISO Definition Unique reference, as assigned by the account ++Transaction Information And Status servicing institution, to unambiguously identify +++Account Servicer Reference the instruction. XML Tag AcctSvcrRef Type Max35Text ISO Length 1 .. 35 NPC Length 1 .. 35 3.26 0..1 Customer Payment Status Report V03 ISO Name Clearing System Reference +Original Payment Information And Status ISO Definition Unique reference, as assigned by a clearing ++Transaction Information And Status system, to unambiguously identify the +++Clearing System Reference instruction. XML Tag ClrSysRef Type Max35Text ISO Length 1 .. 35 NPC Length 1 .. 35 3.27 0..1 Customer Payment Status Report V03 NPC Rulebook An exact copy of all attributes of the received +Original Payment Information And Status DS-02 or DS-01 which is being rejected. ++Transaction Information And Status NPC Usage Rule(s) The minimum requirement is the BIC of the +++Original Transaction Reference Debtor Agent. If used, other message elements must be populated with the same value as the message elements of the original instruction, within the following elements. ISO Name Original Transaction Reference ISO Definition Set of key elements used to identify the original transaction that is being referred to. XML Tag OrgnlTxRef Type OriginalTransactionReference13 3.28 0..1 Customer Payment Status Report V03 ISO Name Interbank Settlement Amount +Original Payment Information And Status ISO Definition Amount of money moved between the instructing ++Transaction Information And Status agent and the instructed agent. +++Original Transaction Reference XML Tag IntrBkSttlmAmt ++++Interbank Settlement Amount Type ActiveOrHistoricCurrencyAndAmount NPC FractDigits 5 TotalDigits 18 NPC Inclusive 0 .. 3.29 0..1 Customer Payment Status Report V03 NPC Rulebook AT-04 The amount of the NCT Inst in in one of the +Original Payment Information And Status ‘Scheme currencies. ++Transaction Information And Status ISO Name Amount +++Original Transaction Reference ISO Definition Amount of money to be moved between the ++++Amount debtor and creditor, before deduction of charges, expressed in the currency as ordered by the initi- ating party. XML Tag Amt Type AmountType3Choice

44 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Bank to Customer Reject, Negative or Positive Confirmation Mult NPC Core Requirements 3.30 0..1 Customer Payment Status Report V03 ISO Name Interbank Settlement Date +Original Payment Information And Status ISO Definition Date on which the amount of money ceases to be ++Transaction Information And Status available to the agent that owes it and when the +++Original Transaction Reference amount of money becomes available to the agent ++++Interbank Settlement Date to which it is due. XML Tag IntrBkSttlmDt Type ISODate 3.31 0..1 Customer Payment Status Report V03 ISO Name Requested Collection Date +Original Payment Information And Status ISO Definition Date and time at which the creditor requests that ++Transaction Information And Status the amount of money is to be collected from the +++Original Transaction Reference debtor. ++++Requested Collection Date XML Tag ReqdColltnDt Type ISODate 3.32 0..1 Customer Payment Status Report V03 NPC Rulebook AT-07 The Requested Execution Date of the NPC +Original Payment Information And Status Inst instruction. ++Transaction Information And Status ISO Name Requested Execution Date +++Original Transaction Reference ISO Definition Date at which the initiating party requests the ++++Requested Execution Date clearing agent to process the payment. Usage: This is the date on which the debtor's account is to be debited. If payment by cheque, the date when the cheque must be generated by the bank. XML Tag ReqdExctnDt Type ISODate 3.33 0..1 Customer Payment Status Report V03 ISO Name Creditor Scheme Identification +Original Payment Information And Status ISO Definition Credit party that signs the mandate. ++Transaction Information And Status XML Tag CdtrSchmeId +++Original Transaction Reference Type PartyIdentification32 ++++Creditor Scheme Identification 3.34 0..1 Customer Payment Status Report V03 ISO Name Settlement Information +Original Payment Information And Status ISO Definition Specifies the details on how the settlement of the ++Transaction Information And Status original transaction(s) between the instructing +++Original Transaction Reference agent and the instructed agent was completed. ++++Settlement Information XML Tag SttlmInf Type SettlementInformation13 3.35 0..1 Customer Payment Status Report V03 NPC Rulebook AT-40 The identification code of the NPC Inst +Original Payment Information And Status Scheme. ++Transaction Information And Status AT-45 The category purpose of the NPC Inst +++Original Transaction Reference Instruction. ++++Payment Type Information ISO Name Payment Type Information ISO Definition Set of elements used to further specify the type of transaction. XML Tag PmtTpInf Type PaymentTypeInformation22 3.36 0..1 Customer Payment Status Report V03 ISO Name Payment Method +Original Payment Information And Status ISO Definition Specifies the means of payment that will be used ++Transaction Information And Status to move the amount of money. +++Original Transaction Reference XML Tag PmtMtd ++++Payment Method Type PaymentMethod4Code NPC Code Restrictions TRF CreditTransfer Transfer of an amount of money in the books of the account servicer. 3.37 0..1 Customer Payment Status Report V03 ISO Name Mandate Related Information +Original Payment Information And Status ISO Definition Set of elements used to provide further details of ++Transaction Information And Status the mandate signed between the creditor and the +++Original Transaction Reference debtor. ++++Mandate Related Information XML Tag MndtRltdInf Type MandateRelatedInformation6

45 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Bank to Customer Reject, Negative or Positive Confirmation Mult NPC Core Requirements 3.38 0..1 Customer Payment Status Report V03 NPC Rulebook AT-05 The Remittance information sent by the +Original Payment Information And Status Originator to the Beneficiary in the NPC Inst ++Transaction Information And Status Instruction. +++Original Transaction Reference ISO Name Remittance Information ++++Remittance Information ISO Definition Information supplied to enable the matching of an entry with the items that the transfer is intended to settle, such as commercial invoices in an accounts' receivable system. XML Tag RmtInf Type RemittanceInformation5 3.39 0..1 Customer Payment Status Report V03 NPC Rulebook AT-08 The name of the Originator Reference +Original Payment Information And Status Party. ++Transaction Information And Status AT-09 The identification code of the Originator +++Original Transaction Reference Reference Party. ++++Ultimate Debtor ISO Name Ultimate Debtor ISO Definition Ultimate party that owes an amount of money to the (ultimate) creditor. XML Tag UltmtDbtr Type PartyIdentification32 3.40 0..1 Customer Payment Status Report V03 NPC Rulebook AT-02 The name of the Originator. +Original Payment Information And Status AT-03 The address of the Originator. ++Transaction Information And Status AT-10 The Originator identification code. +++Original Transaction Reference ISO Name Debtor ++++Debtor ISO Definition Party that owes an amount of money to the (ultimate) creditor. XML Tag Dbtr Type PartyIdentification32 3.41 0..1 Customer Payment Status Report V03 NPC Rulebook AT-01 The IBAN of the account of the Originator. +Original Payment Information And Status AT-11 The ‘Alias’ or ‘Proxy’ or ‘National account ++Transaction Information And Status number’ (BBAN) of the Originator’s account . +++Original Transaction Reference ISO Name Debtor Account ++++Debtor Account ISO Definition Unambiguous identification of the account of the debtor to which a debit entry will be made as a result of the transaction. XML Tag DbtrAcct Type CashAccount16 3.42 1..1 Customer Payment Status Report V03 NPC Rulebook AT-06 The BIC code of the Originator Bank (if +Original Payment Information And Status present in DS-01) ++Transaction Information And Status ISO Name Debtor Agent +++Original Transaction Reference ISO Definition Financial institution servicing an account for the ++++Debtor Agent debtor. XML Tag DbtrAgt Type BranchAndFinancialInstitutionIdentification4 3.43 0..1 Customer Payment Status Report V03 ISO Name Debtor Agent Account +Original Payment Information And Status ISO Definition Unambiguous identification of the account of the ++Transaction Information And Status debtor agent at its servicing agent in the payment +++Original Transaction Reference chain. ++++Debtor Agent Account XML Tag DbtrAgtAcct Type CashAccount16 3.44 0..1 Customer Payment Status Report V03 NPC Rulebook AT-23 The BIC code of the Beneficiary Bank (if +Original Payment Information And Status present in DS-01) ++Transaction Information And Status NPC Usage rule(s) Either BIC or Clearing system member +++Original Transaction Reference Identification to be used ++++Creditor Agent ISO Name Creditor Agent ISO Definition Financial institution servicing an account for the creditor. XML Tag CdtrAgt Type BranchAndFinancialInstitutionIdentification4

46 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

# NPC Message Element Bank to Customer Reject, Negative or Positive Confirmation Mult NPC Core Requirements 3.45 0..1 Customer Payment Status Report V03 ISO Name Creditor Agent Account +Original Payment Information And Status ISO Definition Unambiguous identification of the account of the ++Transaction Information And Status creditor agent at its servicing agent to which a +++Original Transaction Reference credit entry will be made as a result of the pay- ++++Creditor Agent Account ment transaction. XML Tag CdtrAgtAcct Type CashAccount16 3.46 1..1 Customer Payment Status Report V03 NPC Rulebook AT-21 The name of the Beneficiary. +Original Payment Information And Status AT-22 The address of the Beneficiary. ++Transaction Information And Status AT-24 The Beneficiary identification code. +++Original Transaction Reference ISO Name Creditor ++++Creditor ISO Definition Party to which an amount of money is due. XML Tag Cdtr Type PartyIdentification32 3.47 0..1 Customer Payment Status Report V03 NPC Rulebook AT-20 The IBAN of the account of the Beneficiary +Original Payment Information And Status AT-25 The ‘Alias’ or ‘Proxy’ or ‘National ac- ++Transaction Information And Status count number’ (BBAN) of the Beneficiary’s ac- +++Original Transaction Reference count. ++++Creditor Account ISO Name Creditor Account ISO Definition Unambiguous identification of the account of the creditor to which a credit entry will be posted as a result of the payment transaction. XML Tag CdtrAcct Type CashAccount16 3.48 0..1 Customer Payment Status Report V03 NPC Rulebook AT-28 The name of the Beneficiary Reference +Original Payment Information And Status Party. ++Transaction Information And Status AT-29 The dentification code of the Beneficiary +++Original Transaction Reference Reference Party. ++++Ultimate Creditor ISO Name Ultimate Creditor ISO Definition Ultimate party to which an amount of money is due. XML Tag UltmtCdtr Type PartyIdentification32

47 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

2.2.2 Message Element Specifications The examples of Rulebook reasons for a reject or negative confirmation of the NCT Inst are mapped to ISO codes in the tables below. Other ISO codes may be used when the Debtor Bank has rejected the message.

ISO Code ISO Name NPC Core Reason as specified in the Rulebook AC01 IncorrectAccountNumber Account identifier incorrect (i.e. invalid IBAN) AC04 ClosedAccountNumber Account closed AC06 BlockedAccount Account blocked, reason not specified AG01 TransactionForbidden Credit transfer forbidden on this type of account. AG02 InvalidBankOperationCode Operation/transaction code incorrect, invalid file for- mat Usage Rule: To be used for incorrect ‘operation/trans- action’ code. AM02 NotAllowedAmount Amount exceeds the maximum authorised amount for NPC Inst AM03 NotAllowedCurrency Specified message amount is an non processable cur- rency outside of existing agreement Usage Rule: To be used when Beneficiary Bank is not reachable in the specified currency.

AM05 Duplication Duplicate payment AM11 InvalidTransactionCurrency Transaction currency is invalid or missing Usage Rule: To be used when Beneficiary Bank is not reachable for cross border transactions. BE04 MissingCreditorAddress Account address is invalid FF01 InvalidFileFormat Operation/transaction code incorrect, invalid file for- mat Usage Rule: To be used for invalid file format. MD07 EndCustomerDeceased Beneficiary deceased MS02 NotSpecifiedReasonCustomer Generated By order of the Beneficiary MS03 NotSpecifiedReasonAgentGenerated Reason not specified RC01 BankIdentifierIncorrect Bank identifier incorrect (i.e. invalid BIC) RR01 MissingDebtorAccountOrIdentification Regulatory Reason RR02 MissingDebtorsNameOrAddress Regulatory Reason RR03 MissingCreditorsNameOrAddress Regulatory Reason RR04 RegulatoryReason Regulatory Reason RR09 InvalidStructuredCreditorReference Proprietary code for structured creditor reference in- valid or missing. Usage rule: Used when structured reference is invalid or missing.

48 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

ISO Code ISO Name NPC Core Reason as specified in the Rulebook TM01 InvalidCutOffTime Time-out – maximum execution time has been ex- ceeded DNOR Debtor bank is not registered Originator bank is not registered under this BIC in the CSM CNOR Creditor bank is not registered Beneficiary bank is not registered under this BIC in the CSM

Following codes are specifically related to NCT Inst processing (e.g. time-out related codes):

ISO Code ISO Name NPC Core Reason AB05 TimeoutCreditorAgent Transaction stopped due to timeout at the Creditor Agent.

AB06 TimeoutInstructedAgent Transaction stopped due to timeout at the Instructed Agent.

AB07 OfflineAgent Agent of message is not online. Generic usage if it cannot be determined who exactly is not online. AB08 OfflineCreditorAgent Creditor Agent is not online. AB09 ErrorCreditorAgent Transaction stopped due to error at the Creditor Agent. AB10 ErrorInstructedAgent Transaction stopped due to error at the Instructed Agent. AG10 AgentSuspended Agent of message is suspended from the Real Time Payment system. Generic usage if it cannot be determined who exactly is suspended. AG11 CreditorAgentSuspended Creditor Agent of message is suspended from the Real Time Payment system. AM23 AmountExceedsSettlementLimit Transaction amount exceeds settlement limit.

49 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

3 List of changes in NCT Inst Customer-to-Bank Implementation Guidelines – Relative to v 1.0 (Note: This list is for information – the changes included in the body of the document are the changes in effect)

SYMBOLS USED 1. Column one contains the identification number of the Change 2. Column two contains the reference(s) to the relevant Index Number 3. Column three contains the reference(s) to the relevant section or message element (including full path) 4. Column four contains a description of the change 5. Column five contains a status code: • REJ: Rejected by the NCT & NCT Inst WG • PEN: Issue pending in the NCT & NCT Inst WG • ACC: Accepted by the NCT & NCT Inst WG in Guidelines 6. Column six contains the type of change: • TYPO: Typing and layout errors • CLAR: Clarification of the text • CHAN: Change in or further alignment with the Rulebook content

3.1 List of changes v 1.1 relative to 2021 v1.0.1

Section / N° # Description Status Type Message Element

4. 1.5.3 Changed wording for clarification purposes ACC CHAN

5. 2.1.1 2.36 Changed wording and addition of element for clari- ACC CLAR fication purposes

6. 2.1.1 2.36.1 Addition of element for clarification purposes ACC CLAR

7. 2.1.1 2.36.2, 2.36.3, 2.36.4, Addition of elements for clarification purposes ACC CLAR 2.36.5

8. 2.1.1 2.96 Changed wording for clarification purposes. ACC CLAR

9. 2.1.1 2.116 Changed wording and addition of element for clari- ACC CLAR fication purposes.

10. 2.1.1 2.116.2 Changed wording for clarification purposes. ACC CLAR

11. 2.1.1 2.116.3, 2.116.4, Addition of elements for clarification purposes. ACC CLAR 2.116.5

12. 2.2.1 3.41 Changed wording for clarification purposes. ACC CLAR

50 of 51 NPC INSTANT CREDIT TRANSFER C2B IG Reference: NPC013-01 2021 Version 1.1

Section / N° # Description Status Type Message Element

13. 2.2.1 3.47 Changed wording for clarification purposes. ACC CLAR

3.2 List of changes v1.0.1 relative to 2021 v1.0

Section / N° # Description Status Type Message Element

1. 1.3 NPCT changed to NPCA (Nordic Payment Council ACC CHAN Area)

2. 2.1.1 2.9 NPCT changed to NPCA (Nordic Payment Council ACC CHAN Area)

3. 2.1.1 2.70 NPCT changed to NPCA (Nordic Payment Council ACC CHAN Area)

51 of 51