Danske Bank Baltic ISO XML messages for Payment Initiation and Cash Management Implementation Guideline. Pain001 Pain002 Camt052 Camt053 Camt054

Transcription

1 Danske Bank Baltic ISO XML messages for Payment Initiation and Cash Management Implementation Guideline Pain001 Pain002 Camt052 Camt053 Camt054 Version 1.0 1

2 Version history Version Changes Date 1.0 First version of Danske Bank Baltic guidelines

3 Table of Contents 1 INTRODUCTION CHARACTER SET AND XML ESCAPE CHARACTERS CUSTOMER CREDIT TRANSFER INITIATION PAIN MESSAGE CONTENT EXAMPLES Estonia: Domestic Payment (2 payments) Estonia: Express International Payment (in USD, via correspondent bank) Estonia: EU Payment (Sepa Credit Transfer) Estonia: International payment in Russian roubles (via correspondent bank) Lithuania and Latvia: EU payment (SEPA credit transfer) Lithuania and Latvia: International payment (in USD) Lithuania and Latvia: International payment in Russian roubles (via correspondent bank) Consolidated Payment CUSTOMER PAYMENT STATUS REPORT PAIN MESSAGE CONTENT EXAMPLES Group status is ACSC: all payments are ACSC (executed) Group status is PART: one payment is RJCT (cancelled) and two payments are ACSC (executed) BANK TO CUSTOMER STATUS REPORT CAMT , STATEMENT CAMT AND DEBIT CREDIT NOTIFICATION CAMT MESSAGE CONTENT (CAMT AND CAMT ) EXAMPLES Account Report Example of camt Account Statement Example of camt MESSAGE CONTENT (CAMT ) EXAMPLES Bank To Customer Debit Credit notification of camt TRANSACTION TYPES

4 1 Introduction The purpose of this document is to provide guidance on the use of ISO XML messages exchanged with Danske Bank in Estonia, Latvia and Lithuania: Customer Credit Transfer Initiation message pain sent from a customer to a bank; Customer Payment Status Report message pain provided from a bank to a customer; Account Report message camt provided from a bank to a customer; Account Statement message camt provided from a bank to a customer. Debit and Credit Notification message camt provided from bank to a customer Document covers EU payments (SEPA payments) as well as other types of payments. External code set specification can be found at This document should be read together with the ISO XML message standards, as the ISO rules on the usage of the elements have not been repeated in this document and should be taken into account where applicable. Below is the explanation of each column of the tables presented in this document: Index column number refers to the corresponding description in the ISO XML Message Definition Report. This report can be found at under Catalogue of ISO messages. Or column - {Or Or} indicates that only one of several elements may be presented Mult column - indicates whether an element is mandatory or optional and how many repetitions are allowed for the element. For example: [1..1] shows that element is mandatory and can be presented only once [1..n] - shows that element is mandatory and can be presented 1 to n times [0..1] shows that element is optional and can be presented only once [0..n] shows that element is optional and can be presented 0 to n times Message Element column - element name used in ISO XML Message Definition Report. XML tag column short name identifying an element within an XML message, which is put between brackets, e.g. <Amt>. Type column indicates a ISO data type. Danske Bank rules column includes Danske Bank specific rules. 4

5 2 Character set and XML escape characters The UTF8 encoding must be used and declared in the XML header. The following characters must be used: Latin letters: 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 National letters: Estonian: õ ä ö ü Õ Ä Ö Ü š Š ž Ž Latvian: ā ē ģ ī ķ ļ ņ Ā Ē Ģ Ī Ķ Ļ Ņ Lithuanian: ą č ė ę į š ū ų ž Ą Č Ė Ę Į Š Ū Ų Ž Numbers: Whitelisted characters: + - ( )., : ;! & / ' " #space. If Danske Bank forwards a foreign currency payment to a beneficiary s bank or an intermediary bank via the SWIFT network, the non-permitted SWIFT characters will be replaced. Symbols not allowed in XML must be replaced according top escaping rules: & must be replaced as & " must be replaced as " ' must be replaced as &apos; < must be replaced as < > must be replaced as > 5

6 3 Customer Credit Transfer Initiation pain Message content The message consists of two mandatory building blocks: Group Header and Payment Information. Group Header: This block is presented only once and it contains elements such as Message Identification, Creation Date and Time and Initiating Party. Payment Information: This block is repetitive and it contains elements related to the debit side of the transaction, such as Debtor, Debtor Account, Payment Type Information and Requested Execution Date and also one or several Credit Transfer Transaction Information parts which contain elements related to the credit side of the transaction, such as Creditor, Creditor Agent and Remittance Information. Payment type indentifying data may be present at either "Payment Information" or "Credit Transfer Transaction Information" level. It is recommended to be used only at "Payment Information" level and not at "Credit Transfer Transaction Information" level. Therefore if "Payment Type Information" is present at both "Payment Information" level and "Credit Transfer Transaction Information" level, then values given at "Payment Information" level are used. Only the "Local Instrument" values are used for payment type determination. If the customer gives extra information which cannot be utilised or forwarded in the payment chain, the information is not processed or it is cut off. The extra information does not cause the rejection of the payment unless it is checked (as, for example, too long "Remittance Information"). The message is described in the following table. 6

7 Index Or Message element <XML tag> Mult Type Danske Bank rules Message root <CstmrCdtTrfInitn> [1..1] GroupHeader <GrpHdr> [1..1] MessageIdentification <MsgId> [1..1] Max35Text Unique identification of the message assigned by the customer. This Identification will be used in ebank for duplicate check of every message/file. The check is done per ebank user allover the history. ebank will notify the user of duplication with warning. The user can decide to import the file or cancel the import process CreationDateTime <CreDtTm> [1..1] ISODateTime Date and time at which the message was created by the customer Authorisation <Authstn> [0..2] 1.4 {Or +++Code <Cd> [1..1] Code (AUTH; FDET; FSUM; ILEV) 1.5 Or} +++Proprietary <Prtry> [1..1] Max128Text NumberOfTransactions <NbOfTxs> [1..1] Max15NumericText Total number of transactions in the entire message ControlSum <CtrlSum> [0..1] DecimalNumber Total amount of all individual transactions in the entire message, irrespective of currencies. In LiveGate this tag is mandatory InitiatingParty <InitgPty> [1..1] Party initiating the payment. This can be either the debtor or a party initiating the payment on behalf of the debtor. Accepted but not used for processing. {Or +++Name <Nm> [0..1] Max70Text +++Identification [0..1] ++++OrganisationIdentificati on <OrgId> [1..1] {{Or +++++BICOrBEI <BICOrBEI> [0..1] AnyBICIdentifier Or}} +++++Other <Othr> [0..1] Identification [1..1] Max35Text SchemeName <SchmeNm> [0..1] Code <Cd> [1..1] ExternalOrganisationI dentification1code Or} ++++PrivateIdentification <PrvtId> [1..1] {{Or +++++DateAndPlaceOfBirth <DtAndPlcOfBirth> [0..1] For organisation identification scheme code see External Code Lists spreadsheet 7

8 Index Or Message element <XML tag> Mult Type Danske Bank rules BirthDate <BirthDt> [1..1] ISODate ProvinceOfBirth <PrvcOfBirth> [0..1] Max35Text CityOfBirth <CityOfBirth> [1..1] Max35Text CountryOfBirth <CtryOfBirth> [1..1] CountryCode Or}} +++++Other <Othr> [0..1] Identification [1..1] Max35Text SchemeName <SchmeNm> [0..1] Code <Cd> [1..1] ExternalPersonIdentif ication1code 2.0 +PaymentInformation <PmtInfo> [1..n] PaymentInformationIdentif ication For private identification scheme code see External Code Lists spreadsheet <PmtInfId> [1..1] Max35Text Recommended to be unique. Will be returned in Payment Status Report. Content must contain Latin character set Content must not start or end with a / Content must not contain // s PaymentMethod <PmtMtd> [1..1] Code (CHK; TRA; TRF) BatchBooking <BtchBookg> [0..1] BatchBookingIndicat or Accepted code: 'TRF'. Other values will be treated as 'TRF'. Default value is 'false'. If batch booking tag is not used or false, then all payments will be debited separately. For the consolidated payment functionality value true or Category Purpose code SALA should be used: all payments in payment information block must be with transaction currency EUR; all beneficiaries must locate in SEPA area; all "Local Instrument" values are treated as NORM (EE); all "Sevice level" values are treated as NURG (LT and LV); all "Charge Bearer" values are treated as SHAR. In case of other currencies or beneficiaries outside SEPA area the file will not be accepted. Danske ebank / LiveGate user must have respective rights in Electronic services agreement / Danske LiveGate agreement to import contsolidated payments NumberOfTransactions <NbOfTxs> [0..1] Max15NumericText Total number of transactions in the "Payment Information" level. In LiveGate this tag is mandatory. 8

9 Index Or Message element <XML tag> Mult Type Danske Bank rules ControlSum <CtrlSum> [0..1] DecimalNumber Total amount of individual transactions in the 'Payment Information' level. In LiveGate this tag is mandatory PaymentTypeInformation <PmtTpInf> [0..1] Recommended usage is at 'Payment Information' level. If present at both 'Payment Information' level and 'Credit Transfer Transaction Information' level, then values given on 'Credit Transfer Transaction Information' level are used InstructionPriority <InstrPrty> [0..1] Priority2Code (HIGH; NORM) Accepted but not used ServiceLevel <SvcLvl> [0..1] Estonia: In case of conflicting values for Service Level and Local Instrument, the Local Instrument values are used for payment type/speed determination Code <Cd> [1..1] ExternalServiceLevel 1Code Lithuania and Latvia: In case of conflicting values for Service Level and Local Instrument, the Local Instrument values are used for payment type/speed determination. Usage Rule: Only following codes are allowed: SEPA; URGP; SDVA; NURG Only value SEPA is forwarded to the beneficiary bank in case of domestic and EU payments if applicable. Estonia: Accepted but not used Lithuania and Latvia: International payments: Possible values: SDVA very urgent, URGP urgent, NURG normal. Empty value will be set to NURG LocalInstrument <LclInstrm> [0..1] Estonia: In case of conflicting values for Service Level and Local Instrument, the Local Instrument values are used for payment type/speed determination {Or ++++Code <Cd> [1..1] ExternalLocalInstrum ent1code Lithuania and Latvia: In case of conflicting values for Service Level and Local Instrument, the Local Instrument values are used for payment type/speed determination. 9

10 Index Or Message element <XML tag> Mult Type Danske Bank rules 2.13 Or} ++++Proprietary <Prtry> [1..1] Max35Text Accepted codes for Estonia: NORM payment type is set to normal HIGH payment type is set to urgent for Estonian and international payments EXPR payment type is set to urgent for Estonian, and international payments. Payment type is set to express for international payments in EUR, USD. Value dates and cut-off times of different payment types are available in the Price List. If Local Instrument Proprietary is not entered by the initiating party, the bank processes the payment as non-urgent payment. If present on 'Credit Transfer Transaction Information' level and 'Payment Information' level, then value given on 'Credit Transfer Transaction Information' level is used. Lithuania and Latvia: Accepted but not used CategoryPurpose <CtgyPurp> [0..1] Accepted but only code SALA will be used for processing, other codes will be ignored. Forwarded to the beneficiary bank in case of domestic and EU payments if applicable Code <Cd> [1..1] ExternalCategoryPur pose1code For code of category purpose see External Code Lists spreadsheet SALA will be used for consolidated payment functionality. For the consolidated payment functionality Batch Booking value 'true' or Category Purpose code 'SALA' should be used: all payments in payment information block must be with transaction currency EUR all beneficiaries must locate in SEPA area all 'Local Instrument' values are treated as NORM (EE) all 'Sevice level' values are treated as NURG (LT and LV) all 'Charge Bearer' values are treated as SHAR In case of other currencies or beneficiaries outside SEPA area the file will not be accepted RequestedExecutionDate <ReqdExctnDt> [1..1] ISODate Cannot be more than 180 days in the future. Past dates are converted to current date Debtor <Dbtr> [1..1] +++Name <Nm> [0..1] Max140Text Accepted but not used. The Debtor's name will be taken from bank's customer database and this value will be sent to the Beneficiary Bank. 10

11 Index Or Message element <XML tag> Mult Type Danske Bank rules {Or +++PostalAddress <PstlAdr> [0..1] Accepted but not used. The Debtor's address will be taken from bank's customer database. ++++Country <Ctry> [0..1] Country Code Accepted but not used. The country of Debtor's address will be taken from bank's customer database and this value is sent to the beneficiary bank. ++++AddressLine <AdrLine> [0..2] Max70Text Only two occurences allowed, each 70 characters. Accepted but not used. The Debtor's address will be taken from bank's customer database and this value is sent to the beneficiary bank. +++Identification [0..1] Accepted and forwarded to the beneficiary bank in case of domestic payments and EU payments if applicable. If missing the debtor's identification (company's registration code) is taken from bank's customer database. ++++OrganisationIdentificati on <OrgId> [1..1] Either BIC or BEI or one occurrence of Other is allowed. If both provided, only one 'Other' will be used and rest will be ignored. {{Or +++++BICOrBEI <BICOrBEI> [0..1] AnyBICIdentifier Or}} +++++Other <Othr> [0..1] Only one occurance is allowed, rest will be ignored Identification [1..1] Max35Text SchemeName <SchmeNm> [0..1] Code <Cd> [1..1] ExternalOrganisationI dentification1code Or} ++++PrivateIdentification <PrvtId> [1..1] For organisation identification scheme code see External Code Lists spreadsheet {{Or +++++DateAndPlaceOfBirth <DtAndPlcOfBirth> [0..1] In case of international payments only accepted, but not forwarded to beneficiary BirthDate <BirthDt> [1..1] ISODate ProvinceOfBirth <PrvcOfBirth> [0..1] Max35Text CityOfBirth <CityOfBirth> [1..1] Max35Text CountryOfBirth <CtryOfBirth> [1..1] CountryCode Or}} +++++Other <Othr> [0..1] Only one occurence is allowed, rest will be ignored Identification [1..1] Max35Text SchemeName <SchmeNm> [0..1] Code <Cd> [1..1] ExternalPersonIdentif ication1code For private identification scheme code see External Code Lists spreadsheet 11

12 Index Or Message element <XML tag> Mult Type Danske Bank rules DebtorAccount <DbtrAcct> [1..1] Only IBAN is allowed. In case of incorrect account or user does not have right to import to specific account, the file/payments cannot be confirmed. +++Identification [1..1] ++++IBAN <IBAN> [1..1] IBAN2007Identifier Must be IBAN in Danske Bank Lithuania, Latvia or Estonia. Forwarded to the beneficiary bank. +++Currency <Ccy> [0..1] ActiveOrHistoricCurr encyandamount Debtor Agent <DbtrAgt> [1..1] +++FinancialInstitutionIdentif ication <FinInstnId> [1..1] ++++BIC <BIC> [0..1] BICIdentifier Debtor's bank BIC code UltimateDebtor <UltmtDbtr> [0..1] {Or Used for cover currency for all payments. Cover currency must be valid (checked against allowed curreny list). +++Name <Nm> [0..1] Max70Text Limited to 70 characters in length +++Identification [0..1] ++++OrganisationIdentificati on <OrgId> [1..1] Either BIC or BEI or one occurrence of Other is allowed. If both provided, only one Other will be used and rest will be ignored. {{Or +++++BICOrBEI <BICOrBEI> [0..1] AnyBICIdentifier Or}} +++++Other <Othr> [0..1] Only one occurance is allowed, rest will be ignored Identification [1..1] Max35Text SchemeName <SchmeNm> [0..1] Code <Cd> [1..1] ExternalOrganisationI dentification1code For organisation identification scheme code see External Code Lists spreadsheet Or} ++++PrivateIdentification <PrvtId> [1..1] Either DateAndPlaceOfBirth or one occurrence of Other is allowed. {{Or +++++DateAndPlaceOfBirth <DtAndPlcOfBirth> [0..1] BirthDate <BirthDt> [1..1] ISODate ProvinceOfBirth <PrvcOfBirth> [0..1] Max35Text CityOfBirth <CityOfBirth> [1..1] Max35Text CountryOfBirth <CtryOfBirth> [1..1] CountryCode Or}} +++++Other <Othr> [0..1] Only one occurence is allowed, rest will be ignored Identification [1..1] Max35Text SchemeName <SchmeNm> [0..1] 12

13 Index Or Message element <XML tag> Mult Type Danske Bank rules Code <Cd> [1..1] ExternalPersonIdentif ication1code SchemeName <SchmeNm> [0..1] Code <Cd> [1..1] ExternalPersonIdentif ication1code ChargeBearer <ChrgBr> [0..1] ChargeBearerType1 Code (CRED; DEBT; SHAR; SLEV) For private identification scheme code see External Code Lists spreadsheet For private identification scheme code see External Code Lists spreadsheet Recommended to use at 'Payment Information' level. Therefore, if present at 'Credit Transfer Transaction Information' level and 'Payment Information' level, then value given on 'Credit Transfer Transaction Information' level is used. Accepted codes: DEBT 'payment in full' all transaction charges are to be borne by the debtor. Code is not allowed valid for SEPA and will be treated as SLEV. SHAR 'shared' transaction charges on the sender side are to be borne by the debtor, transaction charges on the receiver side are to be borne by the creditor. SLEV following service level. Charges are to be applied following the rules agreed in the service level and/or scheme. CRED fees paid by the creditor. Code is not allowed valid for SEPA and will be treated as SLEV. If missing, it will be treated as SLEV ChargesAccount <ChrgsAcct> [0..1] Not used. Bank will debit the charges from the pre-agreed account. +++Identification [1..1] Not used ++++IBAN <IBAN> [1..1] IBAN2007Identifier Not used +++Currency <Ccy> [0..1] ActiveOrHistoricCurr encyandamount CreditTransferTransactio ninformation <CdtTrfTxInf> [1..n] PaymentIdentification <PmtId> [1..1] InstructionIdentificatio n Not used <InstrId> [0..1] Max35Text Recommended to be unique in payment message. Returned in Payment Status Report pain.002 message and in Statement messages camt.052, camt.053 and camt

14 Index Or Message element <XML tag> Mult Type Danske Bank rules EndToEndIdentification <EndToEndId> [1..1] Max35Text The value is forwarded to the beneficiary in case of domestic and EU payments if applicable. Recommended to be unique for better identification of transaction. Special value 'NOTPROVIDED' for empty content. Returned in Payment Status Report pain.002 message and in Statement messages camt.052, camt.053 and camt PaymentTypeInformation <PmtTpInf> [0..1] Recommended usage is at 'Payment Information' level. If present at both 'Payment Information' level and 'Credit Transfer Transaction Information' level, then values given on 'Credit Transfer Transaction Information' level are used ServiceLevel <SvcLvl> [0..1] 2.34 {Or +++++Code <Cd> [1..1] ExternalServiceLevel 1Code LocalInstrument <LclInstrm> [0..1] 2.37 {Or +++++Code <Cd> [1..1] ExternalLocalInstrum ent1code In case of conflicting values for Service Level and Local Instrument, the Local Instrument values are used for payment type determination. Estonia: Accepted but not used. Lithuania and Latvia: Only the following codes are allowed: SEPA payment must be executed as a SEPA payment; URGP payment must be executed as an urgent payment; SDVA payment must be executed with same day value to the creditor; NURG payment must be executed as nonurgent payment. Only value SEPA is forwarded to the beneficiary bank in case of domestic and EU payments if applicable. 14

15 Index Or Message element <XML tag> Mult Type Danske Bank rules 2.38 Or} +++++Proprietary <Prtry> [1..1] Max35Text Accepted codes for Estonia: NORM payment type is set to normal HIGH payment type is set to urgent for Estonian, and international payments EXPR payment type is set to urgent for Estonian, and international payments. Payment type is set to express for international payments in EUR, USD. Value dates and cut-off times of different payment types are available in Price List. Other values will be set to NORM. If "Local Instrument" "Proprietary" is not entered by the initiating party, the bank processes the payment as non-urgent payment. If present on "Credit Transfer Transaction Information" level and PmtInf level, then value given on "Credit Transfer Transaction Information" level is used CategoryPurpose <CtgyPurp> [0..1] Code <Cd> [1..1] ExternalCategoryPur pose1code Amount <Amt> [1..1] InstructedAmount <InstdAmt> [1..1] ActiveOrHistoricCurr encyandamount Lithuania and Latvia: Accepted but not used. Accepted but not used. Forwarded to the beneficiary bank in case of domestic and EU payments if applicable. For Code of category purpose see External Code Lists spreadsheet. Forwarded to beneficiary bank. Needs to be positive. Limited to 15 digits in total and 2 fraction digits. If payment is SEPA payment then limited to 12 digits in total and 2 fraction digits. Currency must be valid (checked from the allowed currency list). If payment currency in noncovertable currency then cover currency (Debtor Account currency) must be equal to payment currency (Instructed Amount currency). 15

16 Index Or Message element <XML tag> Mult Type Danske Bank rules ChargeBearer <ChrgBr> [0..1] ChargeBearerType1 Code (CRED; DEBT; SHAR; SLEV) Recommended to use at 'Credit Transfer Transaction Information' level. If presented on both 'Credit Transfer Transaction Information' level and 'Payment Information' level, then value given on 'Credit Transfer Transaction Information' level is used. Accepted codes: DEBT- payment in full all transaction charges are to be borne by the debtor. Not valid for SEPA. SHAR shared transaction charges on the sender side are to be borne by the debtor, transaction charges on the receiver side are to be borne by the creditor. SLEV following service level. Charges are to be applied following the rules agreed in the service level and/or scheme. CRED code is not allowed and will be treated as SLEV. If missing, it will be treated as SLEV UltimateDebtor <UltmtDbtr> [0..1] Accepted but not used, will be forwarded to the beneficiary bank in case of domestic and EU payments if applicable. {Or ++++Name <Nm> [0..1] Max70Text Limited to 70 characters in length. +++Identification [0..1] ++++OrganisationIdentificati on <OrgId> [1..1] Either BIC or BEI or one occurrence of Other is allowed. If both provided, only one Other will be used and rest will be ignored. {{Or +++++BICOrBEI <BICOrBEI> [0..1] AnyBICIdentifier Or}} +++++Other <Othr> [0..1] Only one occurance is allowed, rest will be ignored Identification [1..1] Max35Text SchemeName <SchmeNm> [0..1] Code <Cd> [1..1] ExternalOrganisationI dentification1code For organisation identification scheme code see External Code Lists spreadsheet Or} ++++PrivateIdentification <PrvtId> [1..1] Either DateAndPlaceOfBirth or one occurrence of Other is allowed. {{Or +++++DateAndPlaceOfBirth <DtAndPlcOfBirth> [0..1] BirthDate <BirthDt> [1..1] ISODate ProvinceOfBirth <PrvcOfBirth> [0..1] Max35Text CityOfBirth <CityOfBirth> [1..1] Max35Text CountryOfBirth <CtryOfBirth> [1..1] CountryCode Or}} +++++Other <Othr> [0..1] Only one occurence is allowed, rest will be ignored Identification [1..1] Max35Text 16

17 Index Or Message element <XML tag> Mult Type Danske Bank rules SchemeName <SchmeNm> [0..1] Code <Cd> [1..1] ExternalPersonIdentif ication1code For private identification scheme code see External Code Lists spreadsheet IntermediaryAgent1 <IntrmyAgt1> [0..1] Only valid for international payments, when applicable. Used to indicate correspondent bank of beneficiary s bank. ++++FinancialInstitutionIden tification <FinInstnId> [1..1] +++++BIC <BIC> [0..1] BICIdentifier +++++ClearingSystemMem beridentification ClearingSystemIden tification <ClrSysMmbId> [0..1] <ClrSysId> [0..1] Code <Cd> [1..1] ExternalClearingSyst emidentification1cod e MemberIdentificatio n <MmbId> [1..1] Max35Text RUB payments: 'RUCBC'. USD payments: 'ASABA' Name <Nm> [0..1] Max70Text Limited to 70 characters in lenght PostalAddress <PstlAdr> [0..1] Country <Ctry> [0..1] Country Code AddressLine <AdrLine> [0..2] Max70Text Only two occurences accepted IntermediaryAgent1Acc ount <IntrmyAgt1Acct> [0..1] ++++Identification [1..1] {Or +++++IBAN <IBAN> [1..1] IBAN2007Identifier Or} +++++Other <Othr> [1..1] Identification [1..1] Max34Text RUB payments: the correspondent account of the parent bank with the Central Bank of the Russian Federation (20 digits, starts with 301) SchemeName <SchmeNm> [0..1] Code <Cd> [1..1] ExternalAccountIdent ification1code 17

18 Index Or Message element <XML tag> Mult Type Danske Bank rules CreditorAgent <CdtrAgt> [0..1] Creditor Agent is optional in case of intra-bank, domestic and EUpayments. Used to indicate beneficiary s bank. Either BIC or name and address are required in case of international payments. ++++FinancialInstitutionIden tification <FinInstnId> [1..1] +++++BIC <BIC> [0..1] BICIdentifier In case of international payments - if the bank s information is entered without the BIC, the bank s name and address must be present ClearingSystemMem beridentification ClearingSystemIden tification <ClrSysMmbId> [0..1] <ClrSysId> [0..1] Code <Cd> [1..1] ExternalClearingSyst emidentification1cod e If both Creditor Agent BIC and Creditor IBAN are presented, Creditor Agent BIC will be calculated from Creditor IBAN. For clearing system code see External Code Lists spreadsheet MemberIdentificatio n In case of a RUB payments to Russia, code RUCBC should be used. <MmbId> [1..1] Max35Text RUB payments: value of the BIK code +++++Name <Nm> [0..1] Max70Text Limited to 70 characters in lenght. RUB payment: In case beneficiary s bank is a branch of a bank the name of the branch must be in the field Creditor Agent/Name PostalAddress <PstlAdr> [0..1] Country <Ctry> [0..1] Country Code If both Creditor Agent BIC and country are filled, then their accordance to each other is checked AddressLine <AdrLine> [0..2] Max70Text CreditorAgentAccount <CdtrAgtAcct> [0..1] ++++Identification [1..1] {Or +++++IBAN <IBAN> [1..1] IBAN2007Identifier Or} +++++Other <Othr> [1..1] If both Creditor IBAN and Creditor Agent country are filled, then their accordance to each other is checked. 18

19 Index Or Message element <XML tag> Mult Type Danske Bank rules Identification [1..1] Max34Text Only numeric values are allowed. RUB payments: the correspondent bank account of the beneficiary's bank with Central Bank of the Russian Bank a 20-digit number which starts with 301 and the last three digits of which are the same as the last three digits of the BIK code. If the beneficiary holds his/her account with a bank s branch, the 20- digit number of the branch s correspondent account with parent bank must be entered, the first three digits of which are Creditor <Cdtr> [1..1] {Or ++++Name <Nm> [1..1] Max70Text Limited to 70 characters in lenght. If the beneficiary s name is too long, the rest of the name must be written in the PstlAdr/AdrLine field without any spaces (without a hyphen). Forwarded to beneficiary bank. ++++PostalAddress <PstlAdr> [0..1] Forwarded to beneficiary's bank excluding in case of RUB payments Country <Ctry> [0..1] Country Code +++++AddressLine <AdrLine> [0..2] Max70Text Only two occurences accepted, each up to 70 characters. ++++Identification [1..1] +++++OrganisationIdentifica tion <OrgId> [1..1] {{Or BICOrBEI <BICOrBEI> [0..1] AnyBICIdentifier Either 'BIC or BEI' or one occurence of 'Other' is allowed. Or}} Other <Othr> [0..2] RUB payments: two occurrences, one for INN and other, if necessary, for KPP Identification [1..1] Max35Text RUB payments: values of INN and KPP codes of an organisation SchemeName <SchmeNm> [0..1] {{Or Code <Cd> [1..1] ExternalOrganisationI dentification1code For organisation identification scheme code see External Code Lists spreadsheet. If Scheme Name is missing and Organisation Identification value is presented, then Scheme Name will be treated as CUST. Or}} Proprietary <Prtry> [1..1] Max35Text RUB payments: schema names 'INN' and 'KPP'. Or} +++++PrivateIdentification <PrvtId> [1..1] Either 'Date And Place Of Birth' or one occurence of 'Other' is allowed. {{Or DateAndPlaceOfBirt h <DtAndPlcOfBirth> [0..1] BirthDate <BirthDt> [1..1] ISODate ProvinceOfBirth <PrvcOfBirth> [0..1] Max35Text 19

20 Index Or Message element <XML tag> Mult Type Danske Bank rules CityOfBirth <CityOfBirth> [1..1] Max35Text CountryOfBirth <CtryOfBirth> [1..1] CountryCode Or}} Other <Othr> [0..2] RUB payments: two occurrences, one for INN and other, if necessary, for KPP Identification [1..1] Max35Text RUB payments: values of INN and KPP codes of a private person SchemeName <SchmeNm> [0..1] {{Or Code <Cd> [1..1] ExternalPersonIdentif ication1code For private identification scheme code see External Code Lists spreadsheet. If Scheme Name is missing andprivate Identification value is presented, then Scheme Name will be treated as CUST. Or}} Proprietary <Prtry> [1..1] Max35Text RUB payments: schema names 'INN' and 'KPP'. ++++ContactDetails <CtctDtls> [0..1] Component (ContactDetails2) +++++PhoneNumber <PhneNb> [0..1] PhoneNumber +++++Other <Othr> [0..1] Max35Text CreditorAccount <CdtrAcct> [0..1] If Creditor Account is non-sepa area account, then Beneficiary bank's BIC OR name, address and country are mandatory. ++++Identification [1..1] Debtor Account and Creditor Account must be different. {Or +++++IBAN <IBAN> [1..1] IBAN2007Identifier In case of intra-bank, domestic and EU payment IBAN is mandatory. Or} +++++Other <Othr> [1..1] Identification [1..1] Max34Text RUB payment: a 20-digit number, the digits 6-8 of which are 810. In case of international payment other than IBAN account number can be presented in this tag. Forwarded to beneficiary bank SchemeName <SchmeNm> [0..1] Code <Cd> [1..1] ExternalAccountIdent ification1code +++Currency <Ccy> [0..1] ActiveOrHistoricCurr encyandamount UltimateCreditor <UltmtCdtr> [0..1] Forwarded to beneficiary bank with domestic EU payments. ++++Name <Nm> [0..1] Max70Text Limited to 70 characters in lenght. ++++Identification [1..1] 20

21 Index Or Message element <XML tag> Mult Type Danske Bank rules {Or +++++OrganisationIdentifica tion <OrgId> [1..1] Either 'BIC or BEI' or one occurence of 'Other' is allowed. {{Or BICOrBEI <BICOrBEI> [0..1] AnyBICIdentifier Or}} Other <Othr> [0..n] Identification [1..1] Max35Text SchemeName <SchmeNm> [0..1] Code <Cd> [1..1] ExternalOrganisationI dentification1code For organisation identification scheme code see External Code Lists spreadsheet. Or} +++++PrivateIdentification <PrvtId> [1..1] Either 'Date And Place Of Birth' or one occurence of 'Other' is allowed DateAndPlaceOfBirt h <DtAndPlcOfBirth> [0..1] BirthDate <BirthDt> [1..1] ISODate ProvinceOfBirth <PrvcOfBirth> [0..1] Max35Text CityOfBirth <CityOfBirth> [1..1] Max35Text CountryOfBirth <CtryOfBirth> [1..1] CountryCode Other <Othr> [0..n] Identification [1..1] Max35Text SchemeName <SchmeNm> [0..1] Code <Cd> [1..1] ExternalPersonIdentif ication1code Purpose <Purp> [0..1] Code <Cd> [1..1] ExternalPurpose1Co de For private identification scheme code see External Code Lists spreadsheet. For list of possible codes see External Code Lists spreadsheet. Forwarded to the beneficiary bank in case of domestic and EU payments if applicable RegulatoryReporting <RgltryRptg> [0..10] RUB payments: VO-code and KBK-code. Forwarded to beneficiary bank. ++++Authority <Authrty> [0..1] +++++Country <Ctry> [0..1] ISOCountryCode ++++Details <Dtls> [0..n] +++++Type <Tp> [0..1] Max35Text 21

22 Index Or Message element <XML tag> Mult Type Danske Bank rules +++++Country <Ctry> [0..1] ISOCountryCode +++++Code <Cd> [0..1] Max10Text +++++Information <Inf> [0..n] Max35Text RemittanceInformation <RmtInf> [0..1] Estonia: In general unstructured OR structured remittance information needs to be present (one of them is mandatory). When the customer fills both, the structured and unstructured information tags, only 130 characters of combined length are accepted. When bank cannot forward both tags to the beneficiary bank, then creditor reference under the structured information will be lifted to the unstructured information tag in accordance with EACT standard for unstructured remittance information formatting rules. If the remittance information as a result will be longer than 140 characters, then the bank will deliver only 140 characters of the remittance information. For example, /RFB/XXXXXX/TXT/ZZZZZZ, where RFB stands for the code of creditor reference, XXXXXX stands for the creditor reference, TXT stands for the code of unstructured information and ZZZZZZ stands for the unstructured information. Lithuania and Latvia: Transfer (remittance) information. Structured, or Unstructured may be used. If both (structured and unstructured) are provided - structured information is used Unstructured <Ustrd> [0..n] Max140Text Only 1 occurence allowed with maximum 140 characters. Other occurances will be ignored. Estonia: If unstructured and structured references are both used the maximum accepted combined length is 130. More information about EACT standard for unstructured remittance information: RUB payment: verbal clarification of the payment (detailed information about goods/service, if payment is executed before goods are delivered then should be written predoplata za..., if payment is executed after goods are delivered then oplata za...) + commercial invoice and/or contract number, date + VAT amount (NDS). If no tax is imposed on the goods or services, BEZ NDS must be added. Lithuania and Latvia: no specific rules Structured <Strd> [0..n] Only 1 occurence of 'Structured' is allowed. Other occurences will be accepted but ignored. 22

23 Index Or Message element <XML tag> Mult Type Danske Bank rules CreditorReferenceInfo rmation [0..1] Type [0..1] CodeOrProprietary [1..1] {Or Code <Cd> [1..1] DocumentType3Cod e (DISP; FXDR; PUOR; RADM; RPIN; SCOR) Accepted value is SCOR. All other values will be set to SCOR Issuer <Issr> [0..1] Max35Text Forwarded to beneficiary when indicated Reference <Ref> [0..1] Max35Text Estonia: If Creditor Reference Information is used, Reference must be included. Reference number cannot contain only zeros. Lithuania: No validations are performed on the value currently Latvia: No validations are performed on the value currently 23

24 3.2 Examples Estonia: Domestic Payment (2 payments) <?xml version="1.0" encoding="utf-8"?> <Document xmlns:xsi=" xmlns="urn:iso:std:iso:20022:tech:xsd:pain "> <CstmrCdtTrfInitn> <GrpHdr> <MsgId> </MsgId> <CreDtTm> T11:16:58.696</CreDtTm> <NbOfTxs>2</NbOfTxs> <CtrlSum>1</CtrlSum> <InitgPty> <Nm>ETTEVÕTE AS</Nm> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>PMTID005</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <NbOfTxs>2</NbOfTxs> <CtrlSum>1</CtrlSum> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>ETTEVÕTE AS</Nm> <PstlAdr> <Ctry>EE</Ctry> <AdrLine>Metsa 8, Tallinn</AdrLine> </PstlAdr> <OrgId> <Othr> </Id> <SchmeNm> <Cd>COID</Cd> </SchmeNm> </Othr> </OrgId> 24

25 </Id> </Dbtr> <DbtrAcct> <IBAN>EE </IBAN> </Id> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>FOREEE2X</BIC> </FinInstnId> </DbtrAgt> <ChrgBr>SLEV</ChrgBr> <CdtTrfTxInf> <PmtId> <InstrId>115</InstrId> <EndToEndId>327</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="EUR">0.15</InstdAmt> </Amt> <Cdtr> <Nm>FIRMA AS</Nm> <PstlAdr> <Ctry>EE</Ctry> <AdrLine>Leevikese 5,Tallinn</AdrLine> </PstlAdr> <OrgId> <Othr> </Id> <SchmeNm> <Cd>COID</Cd> </SchmeNm> </Othr> </OrgId> </Id> </Cdtr> <CdtrAcct> 25

26 <IBAN>EE </IBAN> </Id> </CdtrAcct> <RmtInf> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref> </Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> <CdtTrfTxInf> <PmtId> <InstrId>116</InstrId> <EndToEndId>328</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="EUR">0.85</InstdAmt> </Amt> <Cdtr> <Nm>Mari Ööbik</Nm> <PstlAdr> <Ctry>EE</Ctry> <AdrLine>Pronksi 12, Tallinn</AdrLine> </PstlAdr> <PrvtId> <Othr> </Id> <SchmeNm> <Cd>NIDN</Cd> </SchmeNm> </Othr> 26

27 </PrvtId> </Id> </Cdtr> <CdtrAcct> <IBAN>EE </IBAN> </Id> </CdtrAcct> <RmtInf> <Ustrd>Here enter payment details</ustrd> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref> </Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Estonia: Express International Payment (in USD, via correspondent bank) <?xml version="1.0" encoding="utf-8"?> <Document xmlns:xsi=" xmlns="urn:iso:std:iso:20022:tech:xsd:pain "> <CstmrCdtTrfInitn> <GrpHdr> <MsgId> </MsgId> <CreDtTm> T11:16:58.696</CreDtTm> <NbOfTxs>1</NbOfTxs> <CtrlSum>5</CtrlSum> <InitgPty> <Nm>ETTEVÕTE AS</Nm> 27

28 </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>PMTID0051</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <NbOfTxs>1</NbOfTxs> <CtrlSum>5</CtrlSum> <PmtTpInf> <LclInstrm> <Prtry>HIGH</Prtry> </LclInstrm> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>ETTEVÕTE AS</Nm> <PstlAdr> <Ctry>EE</Ctry> <AdrLine>Metsa 2, Tallinn</AdrLine> </PstlAdr> </Dbtr> <DbtrAcct> <IBAN>EE </IBAN> </Id> <Ccy>USD</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>FOREEE2X</BIC> </FinInstnId> </DbtrAgt> <ChrgBr>DEBT</ChrgBr> <CdtTrfTxInf> <PmtId> <InstrId>12345</InstrId> <EndToEndId>323009</EndToEndId> </PmtId> <Amt> 28

29 <InstdAmt Ccy="USD">5</InstdAmt> </Amt> <IntrmyAgt1> <FinInstnId> <BIC>BKTRUS33</BIC> <Nm>Deutche Bank Trust</Nm> <PstlAdr> <AdrLine>New York 60 Wall Street</AdrLine> </PstlAdr> </FinInstnId> </IntrmyAgt1> <IntrmyAgt1Acct> <Othr> </Id> </Othr> </Id> </IntrmyAgt1Acct> <CdtrAgt> <FinInstnId> <BIC>SWEDSESS</BIC> <Nm>Swedbank AB Sweden</Nm> <PstlAdr> <AdrLine>Stockholm Brunkebergstorg 8</AdrLine> </PstlAdr> </FinInstnId> </CdtrAgt> <CdtrAgtAcct> <Othr> </Id> </Othr> </Id> </CdtrAgtAcct> <Cdtr> <Nm>Beneficiary Test1</Nm> <PstlAdr> <Ctry>SE</Ctry> <AdrLine>Stockholm Ridmansgatan 3F</AdrLine> 29

30 </PstlAdr> </Cdtr> <CdtrAcct> <Othr> </Id> </Othr> </Id> </CdtrAcct> <RmtInf> <Ustrd>Test payment in USD dollars with express payment type</ustrd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Estonia: EU Payment (Sepa Credit Transfer) <?xml version="1.0" encoding="utf-8"?> <Document xmlns:xsi=" xmlns="urn:iso:std:iso:20022:tech:xsd:pain "> <CstmrCdtTrfInitn> <GrpHdr> <MsgId> </MsgId> <CreDtTm> T11:16:58.696</CreDtTm> <NbOfTxs>1</NbOfTxs> <CtrlSum>0.65</CtrlSum> <InitgPty> <Nm>ETTEVÕTE AS</Nm> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>PMTID0051</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <NbOfTxs>1</NbOfTxs> <CtrlSum>0.65</CtrlSum> 30

31 <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>ETTEVÕTE AS</Nm> <PstlAdr> <Ctry>EE</Ctry> <AdrLine>Metsa 2, Tallinn</AdrLine> </PstlAdr> </Dbtr> <DbtrAcct> <IBAN>EE </IBAN> </Id> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>FOREEE2X</BIC> </FinInstnId> </DbtrAgt> <ChrgBr>SLEV</ChrgBr> <CdtTrfTxInf> <PmtId> <InstrId>123456</InstrId> <EndToEndId>323009</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="EUR">0.65</InstdAmt> </Amt> <CdtrAgt> <FinInstnId> <BIC>NDEAFIHH</BIC> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>Company AB</Nm> <PstlAdr> <Ctry>FI</Ctry> <AdrLine>HELSINKI</AdrLine> </PstlAdr> </Cdtr> 31

32 <CdtrAcct> <IBAN>FI </IBAN> </Id> </CdtrAcct> <RmtInf> <Ustrd>Payment details</ustrd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Estonia: International payment in Russian roubles (via correspondent bank) <?xml version="1.0" encoding="utf-8"?> <Document xmlns:xsi=" xmlns="urn:iso:std:iso:20022:tech:xsd:pain "> <CstmrCdtTrfInitn> <GrpHdr> <MsgId> </MsgId> <CreDtTm> T11:16:58.696</CreDtTm> <NbOfTxs>1</NbOfTxs> <CtrlSum>5</CtrlSum> <InitgPty> <Nm>ETTEVÕTE AS</Nm> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>PMTID0052</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <NbOfTxs>1</NbOfTxs> <CtrlSum>5</CtrlSum> <PmtTpInf> <LclInstrm> <Prtry>NORM</Prtry> </LclInstrm> </PmtTpInf> 32

33 <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>ETTEVÕTE AS</Nm> <PstlAdr> <Ctry>EE</Ctry> <AdrLine>Metsa 2, Tallinn</AdrLine> </PstlAdr> </Dbtr> <DbtrAcct> <IBAN>EE </IBAN> </Id> <Ccy>EUR</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>FOREEE2X</BIC> </FinInstnId> </DbtrAgt> <ChrgBr>DEBT</ChrgBr> <CdtTrfTxInf> <PmtId> <InstrId>133456</InstrId> <EndToEndId>323011</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="RUB">5</InstdAmt> </Amt> <IntrmyAgt1> <FinInstnId> <ClrSysMmbId> <ClrSysId> <Cd>RUCBC</Cd> </ClrSysId> <MmbId> </MmbId> </ClrSysMmbId> <Nm>OAO AKB Probiznesbank.</Nm> <PstlAdr> <Ctry>RU</Ctry> 33

34 <AdrLine>Moskva</AdrLine> </PstlAdr> </FinInstnId> </IntrmyAgt1> <IntrmyAgt1Acct> <Othr> </Id> </Othr> </Id> </IntrmyAgt1Acct> <CdtrAgt> <FinInstnId> <Nm>Vernadskoe otdelenie 9038</Nm> </FinInstnId> </CdtrAgt> <CdtrAgtAcct> <Othr> </Id> </Othr> </Id> </CdtrAgtAcct> <Cdtr> <Nm>OOO Severnyy Tr/e/vel</Nm> <OrgId> <Othr> INN </Id> <SchmeNm> <Prtry>INN</Prtry> </SchmeNm> </Othr> <Othr> KPP </Id> <SchmeNm> <Prtry>KPP</Prtry> </SchmeNm> </Othr> 34

35 </Id> </Cdtr> <CdtrAcct> </OrgId> <Othr> </Id> </Othr> </Id> </CdtrAcct> <RgltryRptg> <Authrty> <Ctry>RU</Ctry> </Authrty> <Dtls> <Tp>VO</Tp> <Inf>13010</Inf> </Dtls> </RgltryRptg> <RgltryRptg> <Authrty> <Ctry>RU</Ctry> </Authrty> <Dtls> <Tp>KBK</Tp> <Inf> </Inf> </Dtls> </RgltryRptg> <RmtInf> <Ustrd>predoplata za transportnye uslugi, schet no.5 ot , NDS 5.00 RUB</Ustrd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> 35

36 3.2.5 Lithuania and Latvia: EU payment (SEPA credit transfer) <?xml version="1.0" encoding="utf-8" standalone="yes"?> <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain "> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGIDSEPA</MsgId> <CreDtTm> T10:23:00</CreDtTm> <NbOfTxs>1</NbOfTxs> <CtrlSum>100.10</CtrlSum> <InitgPty> <Nm>Company A</Nm> <OrgId> <Othr> </Id> <SchmeNm> <Cd>COID</Cd> </SchmeNm> </Othr> </OrgId> </Id> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId> </PmtInfId> <PmtMtd>TRF</PmtMtd> <NbOfTxs>1</NbOfTxs> <CtrlSum>100.10</CtrlSum> <PmtTpInf> <SvcLvl> <Cd>SEPA</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>COMPANY A</Nm> 36

37 </Id> </Dbtr> <DbtrAcct> <OrgId> <Othr> </Id> <SchmeNm> <Cd>COID</Cd> </SchmeNm> </Othr> </OrgId> <IBAN>LT </IBAN> </Id> <Ccy>EUR</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>SMPOLT22XXX</BIC> </FinInstnId> </DbtrAgt> <ChrgBr>SLEV</ChrgBr> <CdtTrfTxInf> <PmtId> <InstrId>InstrId000001</InstrId> <EndToEndId>EndToEndSepa</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="EUR">100.10</InstdAmt> </Amt> <CdtrAgt> <FinInstnId> <BIC> ABNANL2AXXX</BIC> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>COMPANY B</Nm> <PstlAdr> <Ctry>NL</Ctry> 37

38 <AdrLine>Address 123</AdrLine> <AdrLine>NL-1010</AdrLine> </PstlAdr> <OrgId> <Othr> </Id> <SchmeNm> <Cd>COID</Cd> </SchmeNm> </Othr> </OrgId> </Id> </Cdtr> <CdtrAcct> <IBAN>NL00ABNA </IBAN> </Id> </CdtrAcct> <RmtInf> <Ustrd>Invoice</Ustrd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Lithuania and Latvia: International payment (in USD) <?xml version="1.0" encoding="utf-8" standalone="yes"?> <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain "> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGIDINTERNATIONALUSD</MsgId> <CreDtTm> T10:23:00</CreDtTm> <NbOfTxs>1</NbOfTxs> <CtrlSum>51.00</CtrlSum> 38

39 <InitgPty> <Nm>COMPANY A</Nm> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId> </PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <NbOfTxs>1</NbOfTxs> <CtrlSum>51.00</CtrlSum> <PmtTpInf> - <SvcLvl> <Cd>NURG</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>COMPANY A</Nm> </Dbtr> <DbtrAcct> <IBAN>LT </IBAN> </Id> <Ccy>USD</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>SMPOLT22XXX</BIC> </FinInstnId> </DbtrAgt> <ChrgBr>SHAR</ChrgBr> <CdtTrfTxInf> <PmtId> <EndToEndId>EndToEndInternational1</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="USD">51.00</InstdAmt> </Amt> 39

40 <CdtrAgt> <FinInstnId> <BIC>BKCHCNBJ</BIC> <Nm>Bank of China</Nm> <PstlAdr> <Ctry>US</Ctry> <AdrLine>Address</AdrLine> </PstlAdr> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>COMPANY B</Nm> <PstlAdr> <Ctry>US</Ctry> <AdrLine>Address</AdrLine> </PstlAdr> </Cdtr> <CdtrAcct> <Othr> </Id> </Othr> </Id> </CdtrAcct> <RmtInf> <Ustrd>Payment details</ustrd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Lithuania and Latvia: International payment in Russian roubles (via correspondent bank) <?xml version="1.0" encoding="utf-8" standalone="yes"?> <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain "> <CstmrCdtTrfInitn> 40

41 <GrpHdr> <MsgId>MSGIDINTERNATIONALRUB</MsgId> <CreDtTm> T10:23:00</CreDtTm> <NbOfTxs>1</NbOfTxs> <CtrlSum> </CtrlSum> <InitgPty> <Nm>COMPANY A</Nm> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId> </PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <NbOfTxs>1</NbOfTxs> <CtrlSum> </CtrlSum> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>COMPANY A</Nm> <OrgId> <Othr> </Id> <SchmeNm> <Cd>COID</Cd> </SchmeNm> </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <IBAN>LT </IBAN> </Id> <Ccy>RUB</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC> SMPOLT22XXX</BIC> </FinInstnId> 41

42 </DbtrAgt> <ChrgBr>DEBT</ChrgBr> <CdtTrfTxInf> <PmtId> <InstrId> Payment-1</InstrId> <EndToEndId>EndToEndInternational2</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="RUB"> </InstdAmt> </Amt> <CdtrAgt> <FinInstnId> <ClrSysMmbId> <ClrSysId> <Cd>RUCBC</Cd> </ClrSysId> <MmbId> </MmbId> <!--BIK code --> </ClrSysMmbId> <Nm>SBERBANK PERMSKOE.</Nm> <!-- Russian bank name --> <PstlAdr> <Ctry>RU</Ctry> <AdrLine>Middle or Russia</AdrLine> </PstlAdr> </FinInstnId> </CdtrAgt> <CdtrAgtAcct> <Othr> </Id> <!-- Correspondent bank account --> </Othr> </Id> </CdtrAgtAcct> <Cdtr> <Nm>COMPANY B</Nm> <PstlAdr> <Ctry>RU</Ctry> <AdrLine>Address</AdrLine> </PstlAdr> 42

43 </Id> </Cdtr> <CdtrAcct> <OrgId> <Othr> </Id> <SchmeNm> <Prtry>INN</Prtry> </SchmNm> </Othr> </OrgId> <Othr> </Id> </Othr> </Id> </CdtrAcct> <RmtInf> <Ustrd>VO PREPAYMENT</Ustrd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> Consolidated Payment <?xml version="1.0" encoding="utf-8"?> <Document xmlns:xsi=" xmlns="urn:iso:std:iso:20022:tech:xsd:pain "> <CstmrCdtTrfInitn> <GrpHdr> <MsgId> </MsgId> <CreDtTm> T11:16:58.696</CreDtTm> <NbOfTxs>3</NbOfTxs> <CtrlSum>0.60</CtrlSum> <InitgPty> 43