EPC121-16 2019 Version 1.0 Approved 22 November 2018 EPC
[X ] Public – [ ] Internal Use – [ ] Confidential – [ ] Strictest Confidence Distribution: Publicly available
SEPA INSTANT CREDIT TRANSFER SCHEME CUSTOMER-TO-BANK IMPLEMENTATION GUIDELINES
Abstract This document sets out the rules for implementing Version 1.0 of the 2019 SEPA Instant Credit Transfer Scheme Rulebook based on relevant ISO 20022 XML message standards.
Document Reference EPC121-16
Issue Version 1.0 Approved
Date of Issue 22 November 2018
Reason for Issue Approval for publication by the October 2018 Scheme Management Board
Circulation Publicly available
Effective Date 17 November 2019
Effective Time 08:00:00.000 CET
Conseil Européen des Paiements AISBL Cours Saint-Michel 30, B 1040 Brussels ∙ Tel: +32 2 733 35 33 Fax: +32 2 736 49 88 Enterprise N° 0873.268.927 ∙ www.epc-cep.eu ∙ [email protected] © 2018 Copyright European Payments Council (EPC) AISBL: Reproduction for non-commercial purposes is authorised, with acknowledgement of the source
TABLE OF CONTENTS
0 DOCUMENT INFORMATION ...... 2
0.1 REFERENCES ...... 2
0.2 CHANGE HISTORY ...... 2
0.3 PURPOSE OF DOCUMENT ...... 2 1 INTRODUCTION ...... 3
1.1 COVERAGE OF THE SEPA CUSTOMER-TO-BANK IMPLEMENTATION GUIDELINES ...... 3
1.2 USE OF THESE GUIDELINES BY THE INSTRUCTING AND INSTRUCTED PARTIES ...... 5
1.3 NOTATION CONVENTIONS ...... 5
1.4 CHARACTER SET ...... 7
1.5 GENERAL MESSAGE ELEMENT SPECIFICATIONS ...... 7 1.5.1 BIC ...... 7
1.6 IMPLEMENTATION OF ISO 20022 XML RULES ...... 7
1.7 CHANGE OVER DATE ...... 7 2 MANDATORY CUSTOMER-TO-BANK AND BANK-TO-CUSTOMER MESSAGES ...... 8
2.1 CUSTOMER TO BANK CREDIT TRANSFER INFORMATION (DS-01) ...... 8 2.1.1 Use of the Customer Credit Transfer Initiation (pain.001.001.03) ...... 8
2.2 BANK TO CUSTOMER REJECT, NEGATIVE OR POSITIVE CONFIRMATION (BASED ON DS-03) ...... 32 2.2.1 Use of the Customer Payment Status Report (pain.002.001.03) ...... 32 2.2.2 Message Element Specifications ...... 44
2.3 TRANSFER BACK OF RECEIVED SCT INST WITHOUT ORIGINATOR IBAN - BASED ON A CUSTOMER TO BANK CREDIT TRANSFER INFORMATION (DS-01) ...... 46 2.3.1 Use of the Customer Credit Transfer Initiation (pain.001.001.03) ...... 46 3 LIST OF CHANGES IN SCT INST C2B IMPLEMENTATION GUIDELINES - RELATIVE TO 2017 VERSION V1.0 ...... 72
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0 DOCUMENT INFORMATION
0.1 References This section lists relevant documents of interest.
Document Title Issued by: Number
[1] EPC004-16 SEPA Instant Credit Transfer Scheme Rulebook EPC 2019 Version 1.0
[2] - ISO 20022 XML Credit Transfers and Related ISO 20022 Messages, September 2009: • Initiation • 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 ISO1
[7] ISO 11649 Structured creditor reference to remittance ISO information
[8] EPC217-08 SEPA Requirements for an Extended Character EPC Set
[9] EPC230-15 Clarification Paper on the Use of Slashes in EPC References, Identifications and Identifiers
[10] EPC023-16 Maximum Amount for Instructions under the EPC 2017 SCT Instant Rulebook v1.0
0.2 Change History
Issue Dated Reason for revision number
2017 V1.0 20161124 EPC Board approval November 2016
2019 V1.0 20181031 Approval by the October 2018 Scheme Management Board
0.3 Purpose of Document The objective of these Guidelines is to define the rules to be applied to the ISO 20022 XML message standards for the implementation of the SEPA instant credit transfers (SCT Inst) in the customer-to-bank (C2B) space.
1 See also http://www.swift.com/products/bic_registration/iban_format_registration
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1 INTRODUCTION
This document sets out the SEPA rules for implementing the credit transfer ISO 20022 XML initiation message standards. The SEPA 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:
SEPA Instant Credit Transfer Scheme ISO 20022 XML Message Standards Rulebook
DS-01 Customer to Bank Credit Transfer Customer Credit Transfer Initiation Information (pain.001.001.03)
DS-04 Bank to Customer SCT Inst Statements/advice ISO 20022 XML Information dataset standards are covered separately.
Negative, positive confirmation and reject Customer Payment Status Report based on DS-03 Confirmation Message to (pain.002.001.03) Originator Bank
The Guidelines for the customer-to-bank and bank-to-customer XML message standards are mandatory. Only when the Originator Bank offers to its Originators the service of accepting and processing electronically bundled Customer-to-Bank Credit Transfer Instructions, the Originator Bank is obliged to accept at least but not exclusively the messages as described in these guidelines.
1.1 Coverage of the SEPA customer-to-bank Implementation Guidelines The purpose of the SEPA 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 SEPA core payments as defined in the SEPA scheme rulebooks and supplemented by processing requirements. The Guidelines are fully aligned to the SEPA core requirements when defined in the Rulebook and identify message elements needed for initiating SEPA payments while recognising message elements that may be available for use in Additional Optional Services (AOS), as shown below.
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Global ISO 20022 XML Message Standards
Message Message elements that Message Message elements from are mandatory in the elements from elements the ISO ISO messages or the ISO from ISO messages needed for Processing messages messages corresponding to available for not Rulebook use by AOS applicable to requirements within an EPC SEPA Governance framework
EPC Implementation Guidelines for SEPA To be Not available Core subset, identifying elements developed and for use in documented by SEPA - to be used as defined in ISO AOS payments - to be used with SEPA usage rules Communities (from or completing the Rulebook) Note: yellow fields can be used in a specific way for an AOS.
SEPA Payments
Figure 1 These Guidelines define the SEPA 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 SEPA core service and are denoted by yellow shading in the message structures given in the following chapters. Only these elements are further detailed with relevant SEPA core requirements, such as the use of the message element, its components or the values that must be used. Usage rules, for example, may indicate limits on the number of repetitions, or code value restrictions, while format rules may be used to indicate the allowable combinations of components of a message element. These Guidelines also recognise message elements and the usage rules in the ISO 20022 XML standard that may be available for use in an AOS, subject to a governance framework to be defined by the EPC. The definition and documentation of these message elements are a matter for the AOS communities involved. These message elements are denoted by white shading. Where there are message elements that do not apply to SEPA payments, these are denoted with red shading in the right-most column of the message structures. To date, few such message elements have been identified.
2 The SEPA Core Mandatory Subset is hereafter known as the SEPA core service.
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1.2 Use of these Guidelines by the instructing and instructed parties3 • SEPA core payments are executed using messages only containing message elements defined as part of the SEPA Core Subset (shaded yellow in Figure 2). • Payments that include message elements that are defined and documented by AOS communities (shaded white/yellow in Figure 2) are considered as SEPA payments, but not as SEPA core payments. • 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 message 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.
# SEPA Mul Message Element SEPA Core Requirements 1.00 1..1 Message root SEPA Usage Rule(s) (e.g. Mandatory) +Group Header SEPA Format Rule(s) ++Sublevel 1 ISO Name ISO Definition +++Sublevel 2 XML Tag Type (Yellow: Message Element that is part of the SEPA Core Service) 1..1 XML Tag xs:choice 1.01 1..1 Message root SEPA Rulebook (Attribute used in Rulebook) +Group Header SEPA Usage Rule(s) (e.g. Only ‘SEPA’ is allowed.) ++Sublevel 1 ISO Name ISO Definition +++Sublevel 2 XML Tag ++++Sublevel 3 Type ISO Length SEPA Length (Yellow: Message Element that is part of the SEPA Core Service)
SEPA Code restrictions SEPA SingleEuroPaymentsArea Payment must be executed following the Single Euro Payments Area 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 a SEPA AOS)
3 Instructing and instructed parties include CSMs.
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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 SEPA 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 SEPA payments or where no SEPA requirements 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 SEPA Core Requirements, e.g.:
o 0..1 element is optional and may only be present once o 0..n element is optional with unlimited repetition o 1..1 element is mandatory and must be present exactly once o 1..n element is mandatory with unlimited repetition The displayed SEPA multiplicity may thus differ from the one of the ISO 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 SEPA 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 inter-bank processing requirements, it is shaded yellow. o When the message element specified in the ISO 20022 XML standard is used for SEPA payments without change (regarding the definition and any usage rules), no specific SEPA Core requirements are provided and is shaded yellow. o When the message element is specified in the ISO 20022 XML standard as optional, but is mandatory in SEPA Core requirements, this is specified as ‘Mandatory’ and is shaded yellow. o When the message element is not available for use in SEPA payments, this is indicated with red shading. Note that these message elements are similarly not available for use in an AOS.
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o The SEPA 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 relations between message components or elements, e.g. either component 1 or component 2 must be present, component 1 and component 2 are mutually exclusive. For XML Tag “xs:choice” (containing just one subsequent component or element due to applied restrictions on subsequent components or elements) column 4 may indicate, that the “choice” nature is lost due to applied restrictions i.e. only one element is shaded yellow.
1.4 Character Set The character set issue centres on the use of the full set characters in the message elements. Two considerations are: • While banks and their customers must be allowed to use the character set currently in use at national level, • banks and their customers throughout SEPA cannot be required to support the full character set used in SEPA countries. 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, as follows: a b c d e f g h i j k l m n o p q r s t u v w x y z A B C D E F G H I J K L M N O P Q R S T U V W X Y Z 0 1 2 3 4 5 6 7 8 9 / - ? : ( ) . , ' + Space • References, identifications and identifiers must respect the following [9]:
o Content is restricted to the Latin character set as defined above o Content must not start or end with a ‘/’ o Content must not contain ‘//’s However, there may be bilateral or multilateral agreements to support one or more sets of characters beyond the Latin character set referred to above.
1.5 General 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.
1.6 Implementation of ISO 20022 XML rules This document should be read in conjunction with the ISO 20022 XML message standards.
1.7 Change Over Date As from the change-over date, receiving banks may only receive messages, including the r-messages, in the new version.
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2 MANDATORY 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 SCT 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 SCT Inst Transaction (as per ‘Remarks’ under DS-01), the ‘purpose’ element must be populated with ‘RRCT’ (Reimbursement Received Credit Transfer) or another code meaningful for identifying the SCT Inst as a transfer back. Note: The use of SCT Inst is implied by element ‘local instrument’ being mandatory and ‘code’ set to ‘INST’ (Instant Credit Transfer) only.
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# SEPA Message Element Customer to Bank Credit Transfer Information Mult SEPA 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 ++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 SEPA 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 SEPA 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}
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# SEPA Message Element Customer to Bank Credit Transfer Information Mult SEPA Core Requirements 1.5 1..1 Customer Credit Transfer Initiation V03 SEPA Usage Rule(s) Mandatory +Group Header The validation of this data element depends on ++Control Sum pre-agreed customer-to-bank conditions. SEPA 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 SEPA 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 SEPA 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 SEPA 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 SEPA 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. XML Tag OrgId Type OrganisationIdentification4 1.11 1..1 Customer Credit Transfer Initiation V03 SEPA 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, eg, passport. 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}
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# SEPA Message Element Customer to Bank Credit Transfer Information Mult SEPA 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 information group within the message. XML Tag PmtInfId Type Max35Text ISO Length 1 .. 35 SEPA Length 1 .. 35 2.2 1..1 Customer Credit Transfer Initiation V03 SEPA 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 SEPA 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 SEPA Usage Rule(s) If present and contains ‘true’, batch booking is +Payment Information requested. If present and contains ‘false’, ++Batch Booking booking 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 1..1 Customer Credit Transfer Initiation V03 SEPA Usage Rule(s) Mandatory +Payment Information The validation of this data element depends on ++Number Of Transactions pre-agreed customer-to-bank conditions. ISO Name Number Of Transactions ISO Definition Number of individual transactions contained in the paymnet information group. XML Tag NbOfTxs Type Max15NumericText Pattern [0-9]{1,15}
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# SEPA Message Element Customer to Bank Credit Transfer Information Mult SEPA Core Requirements 2.5 1..1 Customer Credit Transfer Initiation V03 SEPA Usage Rule(s) Mandatory +Payment Information The validation of this data element depends on ++Control Sum pre-agreed customer-to-bank conditions. SEPA 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 SEPA FractDigits 17 TotalDigits 18 2.6 0..1 Customer Credit Transfer Initiation V03 SEPA Usage Rule(s) ‘Payment Type Information’ must be present +Payment Information either here or under ‘Credit Transfer ++Payment Type Information Transaction 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 SEPA Usage Rule(s) If present, pre-agreed customer-to-bank +Payment Information conditions apply. ++Payment Type Information ISO Name Instruction Priority +++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 Customer Credit Transfer Initiation V03 SEPA Usage Rule(s) Usage is recommended. +Payment Information 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 Customer Credit Transfer Initiation V03 SEPA Rulebook AT-40 The identification code of the SCT Inst +Payment Information Scheme. ++Payment Type Information SEPA Usage Rule(s) Only ‘SEPA’ 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 SEPA Length 1 .. 4 SEPA Code Restrictions SEPA SingleEuroPaymentsArea Payment must be executed following the Single Euro Payments Area scheme. 2.10 1..1 Customer Credit Transfer Initiation V03 ISO Name Proprietary +Payment Information 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 SEPA Length 1 .. 35
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# SEPA Message Element Customer to Bank Credit Transfer Information Mult SEPA Core Requirements 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 2.12 1..1 Customer Credit Transfer Initiation V03 SEPA 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 SEPA Length 1 .. 35 SEPA Code Restrictions INST Instant Credit Transfer Transaction is related to an Instant Credit Transfer. Use case example: SEPA Instant Credit Transfer (SCT 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 SEPA Length 1 .. 35 2.14 0..1 Customer Credit Transfer Initiation V03 SEPA Rulebook AT-45 The category purpose of the SCT Inst +Payment Information Instruction. ++Payment Type Information SEPA Usage Rule(s) Depending on the agreement between the +++Category Purpose Originator and the Originator Bank, ‘Category Purpose’ may be forwarded 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 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 2.15 1..1 Customer Credit Transfer Initiation V03 SEPA Usage Rule(s) AT-07 The Requested Execution Date of the SCT +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
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# SEPA Message Element Customer to Bank Credit Transfer Information Mult SEPA Core Requirements 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 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 SEPA Rulebook AT-02 The name of the Originator +Payment Information SEPA 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 SEPA Length 1 .. 70 2.19 0..1 Customer Credit Transfer Initiation V03 SEPA 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 SEPA 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 SEPA 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 SEPA 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 SEPA Length 1 .. 16
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# SEPA Message Element Customer to Bank Credit Transfer Information Mult SEPA Core Requirements 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 SEPA Length 1 .. 16 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 SEPA 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 SEPA 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 SEPA 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 SEPA Length 1 .. 70 2.30 0..1 Customer Credit Transfer Initiation V03 SEPA 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 SEPA 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. XML Tag OrgId Type OrganisationIdentification4 2.32 1..1 Customer Credit Transfer Initiation V03 SEPA Usage Rule(s) Either 'Date and Place of Birth' or one occurence +Payment Information of 'Other' is allowed ++Debtor ISO Name Private Identification +++Identification ISO Definition Unique and unambiguous identification of a ++++Private Identification person, eg, passport. XML Tag PrvtId Type PersonIdentification5
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# SEPA Message Element Customer to Bank Credit Transfer Information Mult SEPA Core Requirements 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 2.35 1..1 Customer Credit Transfer Initiation V03 SEPA Rulebook AT-01 The IBAN of the account of the +Payment Information Originator. ++Debtor Account ISO Name 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 SEPA Usage Rule(s) Only IBAN is allowed. +Payment Information ISO Name Identification ++Debtor Account ISO Definition Unique and unambiguous identification for the +++Identification account between the account owner and the account servicer. XML Tag Id Type AccountIdentification4Choice 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 ++Debtor Account account is held. +++Currency Usage: Currency should only be used in case one and the same account number covers several currencies 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 +++Name account 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 SEPA Length 1 .. 70
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# SEPA Message Element Customer to Bank Credit Transfer Information Mult SEPA Core Requirements 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 SEPA 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 financial institution, as assigned under an internationally recognised or proprietary identification scheme. XML Tag FinInstnId Type FinancialInstitutionIdentification7 2.42 0..1 Customer Credit Transfer Initiation V03 SEPA 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 telecommunication 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} 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 SEPA 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 SEPA Usage Rule(s) Usage Rule: 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 SEPA 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
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# SEPA Message Element Customer to Bank Credit Transfer Information Mult SEPA Core Requirements 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 SEPA 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 2.53 0..1 Customer Credit Transfer Initiation V03 SEPA Rulebook AT-08 The name of the Originator Reference +Payment Information Party ++Ultimate Debtor SEPA Usage 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 SEPA 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 SEPA 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 SEPA 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 ++++Organisation Identification organisation. XML Tag OrgId Type OrganisationIdentification4
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# SEPA Message Element Customer to Bank Credit Transfer Information Mult SEPA Core Requirements 2.57 1..1 Customer Credit Transfer Initiation V03 SEPA 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, eg, passport. 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 SEPA Usage Rule(s) Only ‘SLEV’ is allowed. +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 payment transaction. XML Tag ChrgBr Type ChargeBearerType1Code SEPA Code Restrictions SLEV FollowingServiceLevel Charges are to be applied following the rules agreed in the service level and/or 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 message. 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
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# SEPA Message Element Customer to Bank Credit Transfer Information Mult SEPA Core Requirements 2.65 0..1 Customer Credit Transfer Initiation V03 ISO Name Instruction Identification +Payment Information ISO Definition Unique identification as assigned by an ++Credit Transfer Transaction Information instructing party for an instructed party to +++Payment Identification unambiguously 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 SEPA Length 1 .. 35 2.66 1..1 Customer Credit Transfer Initiation V03 SEPA Rulebook AT-41 The Originator’s Reference of the SCT +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 unumbiguously 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 SEPA Length 1 .. 35 2.67 0..1 Customer Credit Transfer Initiation V03 SEPA Usage Rule(s) ‘Payment Type Information’ must be present +Payment Information either here or directly under ‘Payment ++Credit Transfer Transaction Information Information’. +++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 ISO Name Instruction Priority +Payment Information ISO Definition Indicator of the urgency or order of importance ++Credit Transfer Transaction Information that the instructing party would like the instructed +++Payment Type Information party to apply to the processing of the instruction. ++++Instruction Priority XML Tag InstrPrty Type Priority2Code 2.69 0..1 Customer Credit Transfer Initiation V03 SEPA Usage Rule(s) Usage is 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 SEPA Rulebook AT-40 The identification code of the SCT Inst +Payment Information Scheme. ++Credit Transfer Transaction Information SEPA Usage Rule(s) Only ‘SEPA’ 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 SEPA Length 1 .. 4
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# SEPA Message Element Customer to Bank Credit Transfer Information Mult SEPA Core Requirements SEPA Code Restrictions SEPA SingleEuroPaymentsArea Payment must be executed following the Single Euro Payments Area scheme. 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 SEPA 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 ++++Local Instrument instrument, 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 SEPA 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 SEPA Length 1 .. 35 SEPA Code Restrictions INST Instant Credit Transfer Transaction is related to an Instant Credit Transfer. 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 SEPA Length 1 .. 35 2.75 0..1 Customer Credit Transfer Initiation V03 SEPA Rulebook AT-45 The category purpose of the SCT Inst +Payment Information Instruction. ++Credit Transfer Transaction Information SEPA Usage Rule(s) Depending on the agreement between the +++Payment Type Information Originator and the Originator Bank, ‘Category ++++Category Purpose Purpose’ may be forwarded 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 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 2.76 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
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# SEPA Message Element Customer to Bank Credit Transfer Information Mult SEPA Core Requirements 1..1 XML Tag xs:choice 2.77 1..1 Customer Credit Transfer Initiation V03 SEPA Rulebook AT-04 The amount of the SCT Inst in Euro. +Payment Information SEPA Usage Rule(s) Only ‘EUR’ is allowed. ++Credit Transfer Transaction Information Amount must be 0.01 or up to the maximum +++Amount amount per instruction that can be processed ++++Instructed Amount under the Scheme as defined in document EPC023-16 “Maximum Amount for Instructions under the SCT Instant Rulebook", or the maximum amount as agreed between individual Participants or communities of Participants. SEPA Format The fractional part has a maximum of two digits. Rule(s) 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 initiating party. XML Tag InstdAmt Type ActiveOrHistoricCurrencyAndAmount SEPA FractDigits 2 TotalDigits 18 SEPA Inclusive 0.01 .. 999999999.99 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 SEPA Usage Rule(s) Only ‘SLEV’ is allowed. +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 SEPA Code Restrictions SLEV FollowingServiceLevel Charges are to be applied following the rules agreed in the service level and/or 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 ISO Name Ultimate Debtor +Payment Information ISO Definition Ultimate party that owes an amount of money to ++Credit Transfer Transaction Information the (ultimate) creditor. +++Ultimate Debtor XML Tag UltmtDbtr Type PartyIdentification32
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# SEPA Message Element Customer to Bank Credit Transfer Information Mult SEPA Core Requirements 2.83 0..1 Customer Credit Transfer Initiation V03 SEPA Rulebook AT-08 The name of the Originator Reference +Payment Information Party. ++Credit Transfer Transaction Information SEPA Usage 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 SEPA 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 SEPA 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 SEPA 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. +++++Organisation Identification XML Tag OrgId Type OrganisationIdentification4 2.87 1..1 Customer Credit Transfer Initiation V03 SEPA 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, passport. +++++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
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# SEPA Message Element Customer to Bank Credit Transfer Information Mult SEPA 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 SEPA Rulebook AT-23 The BIC code of the Beneficiary Bank. +Payment Information SEPA Usage Rule(s) Only BIC is allowed. ++Credit Transfer Transaction Information If the BIC is not indicated 'Creditor Agent' +++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 2.97 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 SEPA 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
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# SEPA Message Element Customer to Bank Credit Transfer Information Mult SEPA Core Requirements 2.99 1..1 Customer Credit Transfer Initiation V03 SEPA Rulebook AT-21 The name of the Beneficiary. +Payment Information SEPA Usage Rule(s) Mandatory ++Credit Transfer Transaction Information ‘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 SEPA Length 1 .. 70 2.100 0..1 Customer Credit Transfer Initiation V03 SEPA 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 SEPA Length 1 .. 70 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 SEPA 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 SEPA 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 SEPA 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 SEPA Length 1 .. 16
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# SEPA Message Element Customer to Bank Credit Transfer Information Mult SEPA Core Requirements 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 SEPA 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 SEPA 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 SEPA 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 SEPA Length 1 .. 70 2.111 0..1 Customer Credit Transfer Initiation V03 SEPA 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 2.112 1..1 Customer Credit Transfer Initiation V03 SEPA 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. +++++Organisation Identification XML Tag OrgId Type OrganisationIdentification4 2.113 1..1 Customer Credit Transfer Initiation V03 SEPA 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, passport. +++++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
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# SEPA Message Element Customer to Bank Credit Transfer Information Mult SEPA Core Requirements 2.116 1..1 Customer Credit Transfer Initiation V03 SEPA Rulebook AT-20 The IBAN of the account of the +Payment Information Beneficiary. ++Credit Transfer Transaction Information SEPA Usage Rule(s) Mandatory +++Creditor Account Only IBAN is allowed. 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 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 SEPA Rulebook AT-28 The name of the Beneficiary Reference +Payment Information Party. ++Credit Transfer Transaction Information SEPA Usage 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 SEPA 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 SEPA 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 SEPA 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. +++++Organisation Identification XML Tag OrgId Type OrganisationIdentification4 2.122 1..1 Customer Credit Transfer Initiation V03 SEPA 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, passport. +++++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}
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# SEPA Message Element Customer to Bank Credit Transfer Information Mult SEPA Core Requirements 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 +++Instruction For Creditor Agent initiating 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 SEPA Length 1 .. 140 2.127 0..1 Customer Credit Transfer Initiation V03 SEPA Rulebook AT-44 The purpose of the SCT Inst Instruction. +Payment Information SEPA Usage Rule(s) In case the transaction is a transfer back related ++Credit Transfer Transaction Information to an earlier executed SCT Inst Transaction, the +++Purpose purpose must be ‘RRCT’ (Reimbursement Received Credit Transfer) or another code meaningful for identifying the SCT 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 SEPA Length 1 .. 4 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 SEPA 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
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# SEPA Message Element Customer to Bank Credit Transfer Information Mult SEPA Core Requirements 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 SEPA Rulebook AT-05 The Remittance Information sent by the +Payment Information Originator to the Beneficiary in the SCT Inst ++Credit Transfer Transaction Information Instruction. +++Remittance Information SEPA 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 SEPA 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 SEPA Length 1 .. 140 2.135 0..1 Customer Credit Transfer Initiation V03 SEPA Usage Rule(s) Only one occurrence of ‘Structured’ is allowed. +Payment Information SEPA Format ‘Structured’ can be used, provided the tags and ++Credit Transfer Transaction Information Rule(s) the data within the ‘Structured’ element ((i.e. +++Remittance Information excluding
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# SEPA Message Element Customer to Bank Credit Transfer Information Mult SEPA Core Requirements 2.138 0..1 Customer Credit Transfer Initiation V03 SEPA Usage Rule(s) When present, the Debtor Bank is not obliged to +Payment Information validate the reference information. ++Credit Transfer Transaction Information When used both ‘Type’ and ‘Reference’ must be +++Remittance Information 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 1..1 Customer Credit Transfer Initiation V03 SEPA Usage Rule(s) Mandatory if 'Creditor Reference Information' is +Payment Information used. ++Credit Transfer Transaction Information ISO Name Type +++Remittance Information ISO Definition Specifies the type of creditor reference. ++++Structured XML Tag Tp +++++Creditor Reference Information Type CreditorReferenceType2 ++++++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 SEPA 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 SEPA 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 SEPA Length 1 .. 35 ++++++Type +++++++Code Or Proprietary ++++++++Proprietary 2.143 0..1 Customer Credit Transfer Initiation V03 ISO Name Issuer +Payment Information ISO Definition Entity that assigns the credit reference type. ++Credit Transfer Transaction Information XML Tag Issr +++Remittance Information Type Max35Text ++++Structured ISO Length 1 .. 35 +++++Creditor Reference Information SEPA Length 1 .. 35 ++++++Type +++++++Issuer
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# SEPA Message Element Customer to Bank Credit Transfer Information Mult SEPA Core Requirements 2.144 1..1 Customer Credit Transfer Initiation V03 SEPA Usage Rule(s) Mandatory if 'Creditor Reference Information' is +Payment Information used. ++Credit Transfer Transaction Information If a Creditor Reference contains a check digit, +++Remittance Information the receiving bank is not required to validate ++++Structured this. +++++Creditor Reference Information If the receiving bank validates the check digit and ++++++Reference if this validation fails, the bank may continue its processing and send the transaction to the next party in the chain. RF Creditor Reference may be used (ISO 11649) 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 SEPA 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 SEPA Length 1 .. 140
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2.2 Bank to Customer Reject, Negative or Positive Confirmation (based on DS-03) 2.2.1 Use of the Customer Payment Status Report (pain.002.001.03) A. Reject The code ‘RJCT’ (Rejected) 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 reasons. 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 Status’, ‘Payment Information Status’ or ‘Transaction Status’ set to ‘RJCT’. Note: Message elements under ‘Original Transaction Reference’ sequence are based on DS-01 attributes. 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 Message 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 attributes. 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 attributes.
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# SEPA Message Element Bank to Customer Reject, Negative or Positive Confirmation Mult SEPA Core Requirements 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 SEPA 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 SEPA Rulebook AT-06 The BIC code of the Originator Bank. +Group Header ISO Name Debtor Agent ++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 ISO Name Creditor Agent +Group Header ISO Definition Financial institution servicing an account for the ++Creditor Agent 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
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# SEPA Message Element Bank to Customer Reject, Negative or Positive Confirmation Mult SEPA 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 SEPA Length 1 .. 35 2.2 1..1 Customer Payment Status Report V03 SEPA 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 SEPA 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 SEPA FractDigits 17 TotalDigits 18 2.6 0..1 Customer Payment Status Report V03 SEPA Rulebook AT-R1 The type of R-message. +Original Group Information And Status SEPA 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 SEPA 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 SEPA 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
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# SEPA Message Element Bank to Customer Reject, Negative or Positive Confirmation Mult SEPA Core Requirements 2.8 1..1 Customer Payment Status Report V03 SEPA 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 ++Status Reason Information negative confirmation or a reject) or AT-23 The +++Originator BIC code of the Beneficiary Bank (to be used for a positive confirmation). SEPA 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 SEPA Rulebook AT-R3 The reason code for non-acceptance of +Original Group Information And Status the SCT Inst Transaction. ++Status Reason Information SEPA Usage Rule(s) Mandatory if ‘Group Status’ is ‘RJCT’ +++Reason (Rejected). Not allowed if 'Group Status' is 'ACCP' (Accepted Customer Profle). 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 SEPA 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 SEPA 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 SEPA 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 SEPA 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
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# SEPA Message Element Bank to Customer Reject, Negative or Positive Confirmation Mult SEPA 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 SEPA 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 SEPA FractDigits 17 TotalDigits 18 3.4 0..1 Customer Payment Status Report V03 SEPA Rulebook AT-R1 The type of R-message. +Original Payment Information And Status SEPA 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 SEPA 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 SEPA Usage Rule(s) Mandatory if ‘Payment Information Status’ is +Original Payment Information And Status 'RJCT' (Rejected). ++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
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# SEPA Message Element Bank to Customer Reject, Negative or Positive Confirmation Mult SEPA Core Requirements 3.6 1..1 Customer Payment Status Report V03 SEPA 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 ++Status Reason Information negative confirmation or a reject) or AT-23 The +++Originator BIC code of the Beneficiary Bank (to be used for a positive confirmation). SEPA 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 SEPA Rulebook AT-R3 The reason code for non-acceptance of +Original Payment Information And Status the SCT Inst Transaction. ++Status Reason Information SEPA Usage Rule(s) Mandatory if ‘Group Status’ is ‘RJCT’ +++Reason (Rejected). 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 SEPA 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 SEPA 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 SEPA 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 SEPA 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
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# SEPA Message Element Bank to Customer Reject, Negative or Positive Confirmation Mult SEPA Core Requirements 3.13 0..1 Customer Payment Status Report V03 SEPA 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 SCT 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 SEPA 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 SEPA Length 1 .. 35 3.15 0..1 Customer Payment Status Report V03 SEPA Rulebook AT-41 The Originator’s reference of the SCT 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 SEPA Length 1 .. 35 3.16 0..1 Customer Payment Status Report V03 SEPA Rulebook AT-R1 The type of R-message. +Original Payment Information And Status SEPA 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 SEPA 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.
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# SEPA Message Element Bank to Customer Reject, Negative or Positive Confirmation Mult SEPA Core Requirements 3.17 0..1 Customer Payment Status Report V03 SEPA Usage Rule(s) Mandatory if 'Transaction Status’ is 'RJCT' +Original Payment Information And Status (Rejected). ++Transaction Information And Status ISO Name Status Reason Information +++Status Reason Information ISO Definition Set of elements used to provide detailed information on the status reason. XML Tag StsRsnInf Type StatusReasonInformation8 3.18 1..1 Customer Payment Status Report V03 SEPA 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 ++Transaction Information And Status negative confirmation or a reject) or AT-23 The +++Status Reason Information BIC code of the Beneficiary Bank (to be used for ++++Originator a positive confirmation). SEPA 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 SEPA Rulebook AT-R3 The reason code for non-acceptance of +Original Payment Information And Status the SCT Inst Transaction. ++Transaction Information And Status SEPA Usage Rule(s) Mandatory if 'Transaction Status' is 'RJCT' +++Status Reason Information (Rejected). Not allowed if 'Group Status' is ++++Reason '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 3.20 1..1 Customer Payment Status Report V03 SEPA 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 SEPA 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 SEPA 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 SEPA Length 1 .. 105
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# SEPA Message Element Bank to Customer Reject, Negative or Positive Confirmation Mult SEPA 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 SEPA 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 SEPA Length 1 .. 35 3.27 0..1 Customer Payment Status Report V03 SEPA Usage Rule(s) The minimum requirement is the BIC of the +Original Payment Information And Status Debtor Agent. ++Transaction Information And Status If used, other message elements must be +++Original Transaction Reference 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 SEPA FractDigits 5 TotalDigits 18 SEPA Inclusive 0 .. 3.29 0..1 Customer Payment Status Report V03 SEPA Rulebook AT-04 The amount of the SCT Inst in euro. +Original Payment Information And Status ISO Name Amount ++Transaction Information And Status ISO Definition Amount of money to be moved between the +++Original Transaction Reference debtor and creditor, before deduction of charges, ++++Amount expressed in the currency as ordered by the initiating party. XML Tag Amt Type AmountType3Choice
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# SEPA Message Element Bank to Customer Reject, Negative or Positive Confirmation Mult SEPA 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 SEPA Rulebook AT-07 The Requested Execution Date of the SCT +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 SEPA Rulebook AT-40 The identification code of the SCT Inst +Original Payment Information And Status Scheme. ++Transaction Information And Status AT-45 The category purpose of the SCT 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 SEPA 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
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# SEPA Message Element Bank to Customer Reject, Negative or Positive Confirmation Mult SEPA Core Requirements 3.38 0..1 Customer Payment Status Report V03 SEPA Rulebook AT-05 The Remittance information sent by the +Original Payment Information And Status Originator to the Beneficiary in the SCT 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 SEPA 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 SEPA 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 SEPA Rulebook AT-01 The IBAN of the account of the +Original Payment Information And Status Originator. ++Transaction Information And Status ISO Name Debtor Account +++Original Transaction Reference ISO Definition Unambiguous identification of the account of the ++++Debtor Account 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 SEPA Rulebook AT-06 The BIC code of the Originator Bank. +Original Payment Information And Status SEPA Usage Rule(s) Mandatory ++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 SEPA Rulebook AT-23 The BIC code of the Beneficiary Bank (if +Original Payment Information And Status present in DS-01). ++Transaction Information And Status ISO Name Creditor Agent +++Original Transaction Reference ISO Definition Financial institution servicing an account for the ++++Creditor Agent creditor. XML Tag CdtrAgt Type BranchAndFinancialInstitutionIdentification4 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 ++++Creditor Agent Account payment transaction. XML Tag CdtrAgtAcct Type CashAccount16
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# SEPA Message Element Bank to Customer Reject, Negative or Positive Confirmation Mult SEPA Core Requirements 3.46 1..1 Customer Payment Status Report V03 SEPA 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 SEPA Rulebook AT-20 The IBAN of the account of the +Original Payment Information And Status Beneficiary. ++Transaction Information And Status ISO Name Creditor Account +++Original Transaction Reference ISO Definition Unambiguous identification of the account of the ++++Creditor Account 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 SEPA 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
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2.2.2 Message Element Specifications The Rulebook reasons for a reject or negative confirmation of the SCT 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 ISO Name SEPA Core Reason as specified in Code 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 format Usage Rule: To be used for incorrect ‘operation/transaction’ code.
AM02 NotAllowedAmount Amount exceeds the maximum authorised amount for SCT Inst
BE04 MissingCreditorAddress Account address is invalid
FF01 InvalidFileFormat Operation/transaction code incorrect, invalid file format Usage Rule: To be used for invalid file format.
AM05 Duplication Duplicate payment
MD07 EndCustomerDeceased Beneficiary deceased
MS02 NotSpecifiedReasonCustomer By order of the Beneficiary Generated
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
TM01 InvalidCutOffTime Time-out – maximum execution time has been exceeded
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
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ISO ISO Name SEPA Core Reason as specified in Code the Rulebook under this BIC in the CSM
Following codes are specifically related to SCT Inst processing (e.g. time-out related codes):
ISO ISO Name SEPA Core Reason Code
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.
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2.3 Transfer Back of Received SCT Inst without Originator IBAN - based on a Customer to Bank Credit Transfer Information (DS-01)
2.3.1 Use of the Customer Credit Transfer Initiation (pain.001.001.03) The message is used when the Beneficiary of an earlier executed SCT Inst Transaction wishes to transfer back (in full or partly) funds to the Originator of this transaction but the Beneficiary does not have the IBAN of the account of the Originator. As a consequence, the Beneficiary can provide in the SCT Inst Transaction an alternative identifier to this attribute to the Beneficiary Bank. In the message description below, message elements relating to Debtor/Debtor Agent as well as Creditor/Creditor Agent and their respective DS-01 attributes refer to the Actors (as per section 3.1 of the SCT Inst Rulebook) of the transfer back (and not to those of the earlier executed transaction). The message caters for bulk and single payment instructions. Note: The use case of the message is implied by the ‘Message Name’, ‘pain.001.001.03’, the ‘Category Purpose’ set to ‘RRCT’ (Reimbursement Received Credit Transfer) and the element 'Creditor Account/Identification/Other/Identification’ populated with a reference agreed between the ‘Debtor Agent’ and the ‘Debtor’. Note: This is an optional service which the Bank may decide to offer to its customers on the basis of a bilateral agreement.
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# SEPA Message Element Transfer back of received SCT Inst without Originator IBAN Mult SEPA 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 ++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 SEPA 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 SEPA 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}
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# SEPA Message Element Transfer back of received SCT Inst without Originator IBAN Mult SEPA Core Requirements 1.5 1..1 Customer Credit Transfer Initiation V03 SEPA Usage Rule(s) Mandatory +Group Header The validation of this data element depends on ++Control Sum pre-agreed customer-to-bank conditions. SEPA 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 SEPA 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 SEPA 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 SEPA 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 SEPA 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. XML Tag OrgId Type OrganisationIdentification4 1.11 1..1 Customer Credit Transfer Initiation V03 SEPA 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, eg, passport. 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}
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# SEPA Message Element Transfer back of received SCT Inst without Originator IBAN Mult SEPA 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 information group within the message. XML Tag PmtInfId Type Max35Text ISO Length 1 .. 35 SEPA Length 1 .. 35 2.2 1..1 Customer Credit Transfer Initiation V03 SEPA 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 SEPA 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 SEPA Usage Rule(s) If present and contains ‘true’, batch booking is +Payment Information requested. If present and contains ‘false’, ++Batch Booking booking 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 1..1 Customer Credit Transfer Initiation V03 SEPA Usage Rule(s) Mandatory +Payment Information The validation of this data element depends on ++Number Of Transactions pre-agreed customer-to-bank conditions. ISO Name Number Of Transactions ISO Definition Number of individual transactions contained in the paymnet information group. XML Tag NbOfTxs Type Max15NumericText Pattern [0-9]{1,15}
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# SEPA Message Element Transfer back of received SCT Inst without Originator IBAN Mult SEPA Core Requirements 2.5 1..1 Customer Credit Transfer Initiation V03 SEPA Usage Rule(s) Mandatory +Payment Information The validation of this data element depends on ++Control Sum pre-agreed customer-to-bank conditions. SEPA 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 SEPA FractDigits 17 TotalDigits 18 2.6 0..1 Customer Credit Transfer Initiation V03 SEPA Usage Rule(s) ‘Payment Type Information’ must be present +Payment Information either here or under ‘Credit Transfer ++Payment Type Information Transaction 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 SEPA Usage Rule(s) If present, pre-agreed customer-to-bank +Payment Information conditions apply. ++Payment Type Information ISO Name Instruction Priority +++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 Customer Credit Transfer Initiation V03 SEPA Usage Rule(s) Usage is recommended. +Payment Information 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 Customer Credit Transfer Initiation V03 SEPA Rulebook AT-40 The identification code of the SCT Inst +Payment Information Scheme. ++Payment Type Information SEPA Usage Rule(s) Only ‘SEPA’ 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 SEPA Length 1 .. 4 SEPA Code Restrictions SEPA SingleEuroPaymentsArea Payment must be executed following the Single Euro Payments Area scheme. 2.10 1..1 Customer Credit Transfer Initiation V03 ISO Name Proprietary +Payment Information 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 SEPA Length 1 .. 35
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# SEPA Message Element Transfer back of received SCT Inst without Originator IBAN Mult SEPA Core Requirements 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 2.12 1..1 Customer Credit Transfer Initiation V03 SEPA 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 SEPA Length 1 .. 35 SEPA Code Restrictions INST Instant Credit Transfer Transaction is related to an Instant Credit Transfer. 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 SEPA Length 1 .. 35 2.14 1..1 Customer Credit Transfer Initiation V03 SEPA Rulebook AT-45 The category purpose of the SCT Inst +Payment Information Instruction. ++Payment Type Information SEPA Usage Rule(s) Mandatory +++Category Purpose 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 1..1 XML Tag xs:choice 2.15 1..1 Customer Credit Transfer Initiation V03 SEPA Usage Rule(s) Only 'RRCT' (Reimbursement Received Credit +Payment Information Transfer) is allowed. ++Payment Type Information ISO Name Code +++Category Purpose ISO Definition Category purpose, as published in an external ++++Code category purpose code list. XML Tag Cd Type ExternalCategoryPurpose1Code ISO Length 1 .. 4 SEPA Length 1 .. 4 2.16 1..1 Customer Credit Transfer Initiation V03 ISO Name Proprietary +Payment Information ISO Definition Category purpose, in a proprietary form. ++Payment Type Information XML Tag Prtry +++Category Purpose Type Max35Text ++++Proprietary ISO Length 1 .. 35 SEPA Length 1 .. 35
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# SEPA Message Element Transfer back of received SCT Inst without Originator IBAN Mult SEPA Core Requirements 2.17 1..1 Customer Credit Transfer Initiation V03 SEPA Usage Rule(s) AT-07 The Requested Execution Date of the SCT +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 2.18 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 2.19 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 2.20 1..1 Customer Credit Transfer Initiation V03 SEPA Rulebook AT-02 The name of the Originator +Payment Information SEPA 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 SEPA Length 1 .. 70 2.21 0..1 Customer Credit Transfer Initiation V03 SEPA 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 2.22 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 2.23 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 SEPA Length 1 .. 70 2.24 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 SEPA Length 1 .. 70 2.25 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 SEPA Length 1 .. 70
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# SEPA Message Element Transfer back of received SCT Inst without Originator IBAN Mult SEPA Core Requirements 2.26 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 SEPA Length 1 .. 16 2.27 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 SEPA Length 1 .. 16 2.28 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 SEPA Length 1 .. 35 2.29 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 SEPA Length 1 .. 35 2.30 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} 2.31 0..2 Customer Credit Transfer Initiation V03 SEPA 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 SEPA Length 1 .. 70 2.32 0..1 Customer Credit Transfer Initiation V03 SEPA 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 2.33 1..1 Customer Credit Transfer Initiation V03 SEPA 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. XML Tag OrgId Type OrganisationIdentification4
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# SEPA Message Element Transfer back of received SCT Inst without Originator IBAN Mult SEPA Core Requirements 2.34 1..1 Customer Credit Transfer Initiation V03 SEPA Usage Rule(s) Either 'Date and Place of Birth' or one occurence +Payment Information of 'Other' is allowed ++Debtor ISO Name Private Identification +++Identification ISO Definition Unique and unambiguous identification of a ++++Private Identification person, eg, passport. XML Tag PrvtId Type PersonIdentification5 2.35 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} 2.36 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 2.37 1..1 Customer Credit Transfer Initiation V03 SEPA Rulebook AT-01 The IBAN of the account of the +Payment Information Originator. ++Debtor Account ISO Name 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 2.38 1..1 Customer Credit Transfer Initiation V03 SEPA Usage Rule(s) Only IBAN is allowed. +Payment Information ISO Name Identification ++Debtor Account ISO Definition Unique and unambiguous identification for the +++Identification account between the account owner and the account servicer. XML Tag Id Type AccountIdentification4Choice 2.39 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 2.40 0..1 Customer Credit Transfer Initiation V03 ISO Name Currency +Payment Information ISO Definition Identification of the currency in which the ++Debtor Account account is held. +++Currency Usage: Currency should only be used in case one and the same account number covers several currencies 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}
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# SEPA Message Element Transfer back of received SCT Inst without Originator IBAN Mult SEPA Core Requirements 2.41 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 +++Name account 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 SEPA Length 1 .. 70 2.42 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 2.43 1..1 Customer Credit Transfer Initiation V03 SEPA 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 financial institution, as assigned under an internationally recognised or proprietary identification scheme. XML Tag FinInstnId Type FinancialInstitutionIdentification7 2.44 0..1 Customer Credit Transfer Initiation V03 SEPA 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 telecommunication 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} 2.45 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 2.46 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 SEPA Length 1 .. 140 2.47 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 2.48 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
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# SEPA Message Element Transfer back of received SCT Inst without Originator IBAN Mult SEPA Core Requirements 2.49 1..1 Customer Credit Transfer Initiation V03 SEPA Usage Rule(s) Usage Rule: 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 SEPA Length 1 .. 35 2.50 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 2.51 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 SEPA Length 1 .. 35 2.52 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 2.53 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 2.54 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 2.55 0..1 Customer Credit Transfer Initiation V03 SEPA Rulebook AT-08 The name of the Originator Reference +Payment Information Party ++Ultimate Debtor SEPA Usage 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 SEPA Length 1 .. 70 2.56 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 2.57 0..1 Customer Credit Transfer Initiation V03 SEPA 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
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# SEPA Message Element Transfer back of received SCT Inst without Originator IBAN Mult SEPA Core Requirements 1..1 XML Tag xs:choice 2.58 1..1 Customer Credit Transfer Initiation V03 SEPA 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 ++++Organisation Identification organisation. XML Tag OrgId Type OrganisationIdentification4 2.59 1..1 Customer Credit Transfer Initiation V03 SEPA 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, eg, passport. XML Tag PrvtId Type PersonIdentification5 2.60 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} 2.61 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 2.62 0..1 Customer Credit Transfer Initiation V03 SEPA Usage Rule(s) Only ‘SLEV’ is allowed. +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 payment transaction. XML Tag ChrgBr Type ChargeBearerType1Code SEPA Code Restrictions SLEV FollowingServiceLevel Charges are to be applied following the rules agreed in the service level and/or scheme. 2.63 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 2.64 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
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# SEPA Message Element Transfer back of received SCT Inst without Originator IBAN Mult SEPA Core Requirements 2.65 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 message. XML Tag CdtTrfTxInf Type CreditTransferTransactionInformation10 2.66 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 2.67 0..1 Customer Credit Transfer Initiation V03 ISO Name Instruction Identification +Payment Information ISO Definition Unique identification as assigned by an ++Credit Transfer Transaction Information instructing party for an instructed party to +++Payment Identification unambiguously 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 SEPA Length 1 .. 35 2.68 1..1 Customer Credit Transfer Initiation V03 SEPA Rulebook AT-41 The Originator’s Reference of the SCT +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 unumbiguously 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 SEPA Length 1 .. 35 2.69 0..1 Customer Credit Transfer Initiation V03 SEPA Usage Rule(s) ‘Payment Type Information’ must be present +Payment Information either here or directly under ‘Payment ++Credit Transfer Transaction Information Information’. +++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 2.70 0..1 Customer Credit Transfer Initiation V03 ISO Name Instruction Priority +Payment Information ISO Definition Indicator of the urgency or order of importance ++Credit Transfer Transaction Information that the instructing party would like the instructed +++Payment Type Information party to apply to the processing of the instruction. ++++Instruction Priority XML Tag InstrPrty Type Priority2Code 2.71 0..1 Customer Credit Transfer Initiation V03 SEPA Usage Rule(s) Usage is 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
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# SEPA Message Element Transfer back of received SCT Inst without Originator IBAN Mult SEPA Core Requirements 2.72 1..1 Customer Credit Transfer Initiation V03 SEPA Rulebook AT-40 The identification code of the SCT Inst +Payment Information Scheme. ++Credit Transfer Transaction Information SEPA Usage Rule(s) Only ‘SEPA’ 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 SEPA Length 1 .. 4 SEPA Code Restrictions SEPA SingleEuroPaymentsArea Payment must be executed following the Single Euro Payments Area scheme. 2.73 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 SEPA Length 1 .. 35 2.74 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 ++++Local Instrument instrument, local clearing option and/or further qualify the service or service level. XML Tag LclInstrm Type LocalInstrument2Choice 1..1 XML Tag xs:choice 2.75 1..1 Customer Credit Transfer Initiation V03 SEPA 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 SEPA Length 1 .. 35 SEPA Code Restrictions INST Instant Credit Transfer Transaction is related to an Instant Credit Transfer. Use case example: SEPA Instant Credit Transfer (SCT Inst) 2.76 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 SEPA Length 1 .. 35
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# SEPA Message Element Transfer back of received SCT Inst without Originator IBAN Mult SEPA Core Requirements 2.77 1..1 Customer Credit Transfer Initiation V03 SEPA Rulebook AT-45 The category purpose of the SCT Inst +Payment Information Instruction. ++Credit Transfer Transaction Information SEPA Usage Rule(s) Mandatory +++Payment Type Information ISO Name Category Purpose ++++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 1..1 XML Tag xs:choice 2.78 1..1 Customer Credit Transfer Initiation V03 SEPA Usage Rule(s) Only 'RRCT' (Reimbursement Received Credit +Payment Information Transfer) is allowed. ++Credit Transfer Transaction Information ISO Name Code +++Payment Type Information ISO Definition Category purpose, as published in an external ++++Category Purpose category purpose code list. +++++Code XML Tag Cd Type ExternalCategoryPurpose1Code ISO Length 1 .. 4 SEPA Length 1 .. 4 2.79 1..1 Customer Credit Transfer Initiation V03 ISO Name Proprietary +Payment Information ISO Definition Category purpose, in a proprietary form. ++Credit Transfer Transaction Information XML Tag Prtry +++Payment Type Information Type Max35Text ++++Category Purpose ISO Length 1 .. 35 +++++Proprietary SEPA Length 1 .. 35 2.80 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 2.81 1..1 Customer Credit Transfer Initiation V03 SEPA Rulebook AT-04 The amount of the SCT Inst in Euro. +Payment Information SEPA Usage Rule(s) Only ‘EUR’ is allowed. ++Credit Transfer Transaction Information Amount must be 0.01 or up to the maximum +++Amount amount per instruction that can be processed ++++Instructed Amount under the Scheme as defined in document EPC023-16 “Maximum Amount for Instructions under the 2017 SCT Instant Rulebook v1.0", or the maximum amount as agreed between individual Participants or communities of Participants. SEPA Format The fractional part has a maximum of two digits. Rule(s) 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 initiating party. XML Tag InstdAmt Type ActiveOrHistoricCurrencyAndAmount SEPA FractDigits 2 TotalDigits 18 SEPA Inclusive 0.01 .. 999999999.99
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# SEPA Message Element Transfer back of received SCT Inst without Originator IBAN Mult SEPA Core Requirements 2.82 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 2.83 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 2.84 0..1 Customer Credit Transfer Initiation V03 SEPA Usage Rule(s) Only ‘SLEV’ is allowed. +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 SEPA Code Restrictions SLEV FollowingServiceLevel Charges are to be applied following the rules agreed in the service level and/or scheme. 2.85 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 2.86 0..1 Customer Credit Transfer Initiation V03 ISO Name Ultimate Debtor +Payment Information ISO Definition Ultimate party that owes an amount of money to ++Credit Transfer Transaction Information the (ultimate) creditor. +++Ultimate Debtor XML Tag UltmtDbtr Type PartyIdentification32 2.87 0..1 Customer Credit Transfer Initiation V03 SEPA Rulebook AT-08 The name of the Originator Reference +Payment Information Party. ++Credit Transfer Transaction Information SEPA Usage 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 SEPA Length 1 .. 70 2.88 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 2.89 0..1 Customer Credit Transfer Initiation V03 SEPA 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
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# SEPA Message Element Transfer back of received SCT Inst without Originator IBAN Mult SEPA Core Requirements 2.90 1..1 Customer Credit Transfer Initiation V03 SEPA 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. +++++Organisation Identification XML Tag OrgId Type OrganisationIdentification4 2.91 1..1 Customer Credit Transfer Initiation V03 SEPA 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, passport. +++++Private Identification XML Tag PrvtId Type PersonIdentification5 2.92 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} 2.93 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 2.94 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 2.95 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 2.96 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 2.97 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
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# SEPA Message Element Transfer back of received SCT Inst without Originator IBAN Mult SEPA Core Requirements 2.98 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 2.99 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 2.100 0..1 Customer Credit Transfer Initiation V03 SEPA Rulebook AT-23 The BIC code of the Beneficiary Bank. +Payment Information SEPA Usage Rule(s) Only BIC is allowed. ++Credit Transfer Transaction Information If the BIC is not indicated 'Creditor Agent' +++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 2.101 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 2.102 1..1 Customer Credit Transfer Initiation V03 SEPA 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 2.103 1..1 Customer Credit Transfer Initiation V03 SEPA Rulebook AT-21 The name of the Beneficiary. +Payment Information SEPA Usage Rule(s) Mandatory ++Credit Transfer Transaction Information ‘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 SEPA Length 1 .. 70 2.104 0..1 Customer Credit Transfer Initiation V03 SEPA 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 2.105 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
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# SEPA Message Element Transfer back of received SCT Inst without Originator IBAN Mult SEPA Core Requirements 2.106 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 SEPA Length 1 .. 70 2.107 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 SEPA Length 1 .. 70 2.108 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 SEPA Length 1 .. 70 2.109 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 SEPA Length 1 .. 16 2.110 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 SEPA Length 1 .. 16 2.111 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 SEPA Length 1 .. 35 2.112 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 SEPA Length 1 .. 35 2.113 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
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# SEPA Message Element Transfer back of received SCT Inst without Originator IBAN Mult SEPA Core Requirements 2.114 0..2 Customer Credit Transfer Initiation V03 SEPA 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 SEPA Length 1 .. 70 2.115 0..1 Customer Credit Transfer Initiation V03 SEPA 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 2.116 1..1 Customer Credit Transfer Initiation V03 SEPA 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. +++++Organisation Identification XML Tag OrgId Type OrganisationIdentification4 2.117 1..1 Customer Credit Transfer Initiation V03 SEPA 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, passport. +++++Private Identification XML Tag PrvtId Type PersonIdentification5 2.118 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} 2.119 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 2.120 1..1 Customer Credit Transfer Initiation V03 SEPA Rulebook An alternative identifier to attribute AT-20 The +Payment Information IBAN of the account of the Beneficiary. ++Credit Transfer Transaction Information SEPA Usage Rule(s) Mandatory +++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 2.121 1..1 Customer Credit Transfer Initiation V03 ISO Name Identification +Payment Information ISO Definition Unique and unambiguous identification for the ++Credit Transfer Transaction Information account between the account owner and the +++Creditor Account account servicer. ++++Identification XML Tag Id Type AccountIdentification4Choice 1..1 XML Tag xs:choice
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# SEPA Message Element Transfer back of received SCT Inst without Originator IBAN Mult SEPA Core Requirements 2.122 1..1 Customer Credit Transfer Initiation V03 ISO Definition International Bank Account Number (IBAN) - +Payment Information identifier used internationally by financial ++Credit Transfer Transaction Information institutions to uniquely identify the account of a +++Creditor Account customer. Further specifications of the format and ++++Identification content of the IBAN can be found in the standard +++++IBAN ISO 13616 "Banking and related financial services - International Bank Account Number (IBAN)" version 1997-10-01, or later revisions. XML Tag IBAN Type IBAN2007Identifier Pattern [A-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,30} 2.123 1..1 Customer Credit Transfer Initiation V03 ISO Name Other +Payment Information ISO Definition Unique identification of an account, as assigned ++Credit Transfer Transaction Information by the account servicer, using an identification +++Creditor Account scheme. ++++Identification XML Tag Othr +++++Other Type GenericAccountIdentification1 2.124 1..1 Customer Credit Transfer Initiation V03 SEPA Usage Rule(s) Subject to bilateral agreement. +Payment Information To be populated with a reference as agreed with ++Credit Transfer Transaction Information and given by the Originator Bank (e.g. the +++Creditor Account “Account Servicer reference’ of the camt.052/ ++++Identification 053/054). +++++Other ISO Name Identification ++++++Identification ISO Definition Identification assigned by an institution. XML Tag Id Type Max34Text ISO Length 1 .. 34 SEPA Length 1 .. 34 2.125 0..1 Customer Credit Transfer Initiation V03 ISO Name Scheme Name +Payment Information ISO Definition Name of the identification scheme ++Credit Transfer Transaction Information XML Tag SchmeNm +++Creditor Account Type AccountSchemeName1Choice ++++Identification +++++Other ++++++Scheme Name 2.126 0..1 Customer Credit Transfer Initiation V03 ISO Name Issuer +Payment Information ISO Definition Entity that assigns the identification. ++Credit Transfer Transaction Information XML Tag Issr +++Creditor Account Type Max35Text ++++Identification ISO Length 1 .. 35 +++++Other SEPA Length 1 .. 35 ++++++Issuer 2.127 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 2.128 0..1 Customer Credit Transfer Initiation V03 SEPA Rulebook AT-28 The name of the Beneficiary Reference +Payment Information Party. ++Credit Transfer Transaction Information SEPA Usage 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 SEPA Length 1 .. 70 2.129 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
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# SEPA Message Element Transfer back of received SCT Inst without Originator IBAN Mult SEPA Core Requirements 2.130 0..1 Customer Credit Transfer Initiation V03 SEPA 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 2.131 1..1 Customer Credit Transfer Initiation V03 SEPA 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. +++++Organisation Identification XML Tag OrgId Type OrganisationIdentification4 2.132 1..1 Customer Credit Transfer Initiation V03 SEPA 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, passport. +++++Private Identification XML Tag PrvtId Type PersonIdentification5 2.133 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} 2.134 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 2.135 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 +++Instruction For Creditor Agent initiating party, and intended for the creditor agent. XML Tag InstrForCdtrAgt Type InstructionForCreditorAgent1 2.136 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 SEPA Length 1 .. 140 2.137 0..1 Customer Credit Transfer Initiation V03 SEPA Rulebook AT-44 The purpose of the SCT Inst Instruction. +Payment Information ISO Name Purpose ++Credit Transfer Transaction Information ISO Definition Underlying reason for the payment transaction. +++Purpose 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
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# SEPA Message Element Transfer back of received SCT Inst without Originator IBAN Mult SEPA Core Requirements 1..1 XML Tag xs:choice 2.138 1..1 Customer Credit Transfer Initiation V03 SEPA Usage Rule(s) 'RRCT' (Reimbursement Received Credit +Payment Information Transfer) or another code meaningful for ++Credit Transfer Transaction Information identifying the SCT Inst as a transfer back. +++Purpose ISO Name Code ++++Code ISO Definition Underlying reason for the payment transaction, as published in an external purpose code list. XML Tag Cd Type ExternalPurpose1Code ISO Length 1 .. 4 SEPA Length 1 .. 4 2.139 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 SEPA Length 1 .. 35 2.140 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 2.141 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 2.142 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 2.143 0..1 Customer Credit Transfer Initiation V03 SEPA Rulebook AT-05 The Remittance Information sent by the +Payment Information Originator to the Beneficiary in the SCT Inst ++Credit Transfer Transaction Information Instruction. +++Remittance Information SEPA 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 2.144 0..1 Customer Credit Transfer Initiation V03 SEPA 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 SEPA Length 1 .. 140
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# SEPA Message Element Transfer back of received SCT Inst without Originator IBAN Mult SEPA Core Requirements 2.145 0..1 Customer Credit Transfer Initiation V03 SEPA Usage Rule(s) Only one occurrence of ‘Structured’ is allowed. +Payment Information SEPA Format ‘Structured’ can be used, provided the tags and ++Credit Transfer Transaction Information Rule(s) the data within the ‘Structured’ element (i.e. +++Remittance Information excluding
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# SEPA Message Element Transfer back of received SCT Inst without Originator IBAN Mult SEPA Core Requirements SEPA Code Restrictions Document is a structured communication reference provided by the creditor to identify the referred transaction. 2.152 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 SEPA Length 1 .. 35 ++++++Type +++++++Code Or Proprietary ++++++++Proprietary 2.153 0..1 Customer Credit Transfer Initiation V03 ISO Name Issuer +Payment Information ISO Definition Entity that assigns the credit reference type. ++Credit Transfer Transaction Information XML Tag Issr +++Remittance Information Type Max35Text ++++Structured ISO Length 1 .. 35 +++++Creditor Reference Information SEPA Length 1 .. 35 ++++++Type +++++++Issuer 2.154 1..1 Customer Credit Transfer Initiation V03 SEPA Usage Rule(s) Mandatory if 'Creditor Reference Information' is +Payment Information used. ++Credit Transfer Transaction Information If a Creditor Reference contains a check digit, +++Remittance Information the receiving bank is not required to validate ++++Structured this. +++++Creditor Reference Information If the receiving bank validates the check digit and ++++++Reference if this validation fails, the bank may continue its processing and send the transaction to the next party in the chain. RF Creditor Reference may be used (ISO 11649) 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 SEPA Length 1 .. 35 2.155 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 2.156 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
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# SEPA Message Element Transfer back of received SCT Inst without Originator IBAN Mult SEPA Core Requirements 2.157 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 SEPA Length 1 .. 140
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3 LIST OF CHANGES IN SCT INST C2B IMPLEMENTATION GUIDELINES - RELATIVE TO 2017 VERSION V1.0
(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 SEM WG • PEN: Issue pending in the SEM WG • ACC: Accepted by the SEM 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
Section / N° # Description Status Type Message Element
1. 0.1 Inclusion of a reference to Annex V of the ACC CHAN SCT Rulebook.
2. 1.0 Rewording of the paragraph just above ACC CLAR section 1.1.
3. 1.3 Rewording of the last paragraph ACC CLAR
4. 1.7 Inclusion of new section “Change Over ACC CLAR Date”.
5. 2.1.1 Update of introduction section. ACC CHAN
6. 2.13 / Inclusion of new data element ACC CLAR ‘Proprietary’ (shaded white). 2.74 Customer Credit Transfer 7. 2.42 / Initiation V03 Removal of “Only mandatory when ACC CHAN 2.96 +Payment Information Originator Bank is located in a non-EEA ++Debtor Agent SEPA country or territory)”. +++Financial Institution Identification ++++BIC
Customer Credit Transfer Initiation V03
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Section / N° # Description Status Type Message Element +Payment Information ++Credit Transfer Transaction Information +++Creditor Agent Customer Credit Transfer 8. 2.77 Initiation V03 Update of the following usage rule (bold ACC CLAR +Payment Information text): “Amount must be 0.01 or up to the ++Credit Transfer maximum amount per instruction that Transaction Information can be processed under the Scheme as +++Amount defined in document EPC023-16 ++++Instructed Amount “Maximum Amount for Instructions under the SCT Instant Rulebook”, or the maximum amount as agreed between individual Participants or communities of Participants.” Customer Credit Transfer 9. 2.127 Initiation V03 Inclusion of following usage rule: “In case ACC CHAN +Payment Information the transaction is a transfer back related ++Credit Transfer to an earlier executed SEPA SCT Inst Transaction Information Transaction, the purpose must be ‘RRCT’ +++Purpose (Reimbursement Received Credit Transfer) or another code meaningful for identifying the SCT Inst as a transfer back.” Customer Credit Transfer 10. 2.135 Initiation V03 Inclusion of bold text: “Only one ACC CLAR +Payment Information occurrence of ‘Structured’ is allowed. ++Credit Transfer SEPA Format ‘Structured’ can be used, Transaction Information provided the tags and Rule(s) the +++Remittance data within the ‘Structured’ element (i.e. Information excluding
Customer Credit Transfer Initiation V03 +Payment Information ++Credit Transfer Transaction Information +++Remittance Information ++++Structured +++++Creditor Reference Information ++++++Reference
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Section / N° # Description Status Type Message Element
12. 2.2.1 Update of the introduction section. ACC CLAR Customer Payment Status 13. 2.2 Report V03 Inclusion of the following usage rule: ACC CLAR +Original Group “Only pain.001.001.03 is allowed.” Information And Status ++Original Message Name Identification Customer Payment Status 14. 2.8 / Report V03 Update of the usage rule (bold text): “AT- ACC CLAR 3.6 / +Original Group R2 The identification of the type of party 3.18 Information And Status that initiated the "R" message (to be ++Status Reason used for a negative confirmation or a Information reject) or AT-23 The BIC code of the +++Originator Beneficiary Bank (to be used for a positive confirmation)”. Customer Payment Status Report V03 +Original Payment Information And Status ++Status Reason Information +++Originator
Customer Payment Status Report V03 +Original Payment Information And Status ++Transaction Information And Status +++Status Reason Information ++++Originator Customer Payment Status 15. 2.9 / Report V03 Update of the usage rule: “Not allowed if ACC CLAR 3.7 / +Original Group 'Group Status' is 'ACCP' (Accepted 3.19 Information And Status Customer Profile)”. ++Status Reason Information +++Reason
Customer Payment Status Report V03 +Original Payment Information And Status ++Status Reason Information +++Reason
Customer Payment Status Report V03 +Original Payment Information And Status ++Transaction Information And Status
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Section / N° # Description Status Type Message Element +++Status Reason Information ++++Reason
16. 2.3 Inclusion of new section: “Transfer Back ACC CHAN of Received SCT Inst without Originator IBAN - based on a Customer to Bank Credit Transfer Information (DS-01)” and related message description”.
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