XML message for Payment Initiation Implementation Guideline. Pain001. Version 1.0

Transcription

1 XML message for Payment Initiation Implementation Guideline Pain001 Version 1.0 1

2 Version history Version Changes Date 1.0 First version ControlSum field is mandatory in GroupHeader and PaymentInformation level NumberOfTransaction field is mandatory in PaymentInformation level

3 Table of Contents 1. Introduction Character set XML escape characters Message content of the Customer Credit Transfer Examples

4 1. Introduction The purpose of this document is to provide guidance on the use of XML Customer Credit Transfer Initiation message ISO20022 XML pain sent to Danske Bank Estonia. Document covers Estonian and EU payments (SEPA payments) as well as other payments. This document is based on the Estonian implementation guidelines for Payment Standards for Customer to Bank, which can be found on the Estonian Banking Association webpage: Only Danske Bank specific rules are shown herein. 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. 2. Character set 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 Numbers: Whitelisted characters: + - ( )., / space. Local characters õ ä ö ü Õ Ä Ö Ü which however are replaced with o a o u O A O U respectively when payment is transmitted outside Estonia. 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. References, identifications and identifiers must respect the following: Content is restricted to the Latin character set as defined above Content must not start or end with a / Content must not contain // s 3. XML escape characters & must be replaced as & " must be replaced as " ' must be replaced as &apos; < must be replaced as < > must be replaced as > 4

5 4. Message content of the Customer Credit Transfer 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. The message is described in the following table. Below is the explanation of each column of the table. 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 with pain as reference. 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 unlimited number of 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 unlimited number of times {Or Or} indicates that only one of several elements may be presented 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> Danske Bank rules column includes Danske Bank specific rules for Estonian and EU payments (rules resulting from SEPA) as well as other payments. 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"). Message Root Index Mult. Message Element <XML Tag> Danske Bank Rules [1..1] Customer Credit Transfer Initiation <CstmrCdtTrfInitn> Group Header Index Mult. Message Element <XML Tag> Danske Bank Rules 1.0 [1..1] + Group Header <GrpHdr> 5

6 1.1 [1..1] ++ Message Identification <MsgId> May not contain whitelisted special characters 1.2 [1..1] ++ Creation Date Time <CreDtTm> Date and time at which the message was created by the initiating party. 1.6 [1..1] ++ Number Of Transaction <NbOfTxs> The given value will be checked with the total number of transactions in the entire message. In case of mismatch the file will not be accepted. 1.7 [1..1] ++ Control Sum <CtrlSum> The given value will be checked with the total amount of all individual transactions in the entire message. In case of mismatch the file will not be accepted. 1.8 [1..1] ++ Initiating Party <InitgPty> Accepted but not processed. 1.8 [0..1] +++ Name <Nm> Limited to 70 characters in length 1.8 [0..1] +++ Identification 1.8 {Or ++++ Organisation <OrgId> Identification 1.8 {{Or BIC or BEI <BICOrBEI> 1.8 Or}} Other <Othr> 1.8 [1..1] Identification 1.8 [0..1] Scheme Name <SchmeNm> 1.8 [1..1] Code <Cd> 1.8 Or} ++++ Private Identification <PrvtId> 1.8 {Or Date And Place Of <DtAndPlcOfBirth> Birth 1.8 [1..1] Birth Date <BirthDt> 1.8 [1..1] City Of Birth <CityOfBirth> 1.8 [1..1] Country Of Birth <CtryOfBirth> 1.8 Or} Other <Othr> 1.8 [1..1] Identification 1.8 [0..1] Scheme Name <SchmeNm> 1.8 [1..1] Code <Cd> Payment Information Index Mult. Message Element <XML Tag> Danske Bank Rules 2.0 [1..n] + Payment Information <PmtInf> 2.1 [1..1] ++ Payment Information <PmtInfId> Recommended to be unique. May not contain special characters Identification 2.2 [1..1] ++ Payment Method <PmtMtd> Accepted code: TRF. In case of other codes the file will not be accepted. <BtchBookg> Default value is false. If batch booking is not used or false, then all payments will be debited separately. For the Consolidated Payment functionality value true should be used: all payments in payment information block must be with transaction currency EUR 2.3 [0..1] ++ Batch Booking all beneficiaries must locate in Estonia "Local Instrument" values other than NORM are ignored In case of other currencies or beneficiaries outside Estonia the file will not be accepted. Internet Bank user must have respective teleservices rights to import contsolidated payments. 6

7 2.4 [1..1] ++ Number of Transactions <NbOfTxs> The given value will be checked with the total number of transactions in the "Payment Information" level. In case of mismatch the file will not be accepted. 2.5 [1..1] ++ Control Sum <CtrlSum> In case of mismatch the file will not be accepted. <PmtTpInf> 2.6 [0..1] ++ Payment Type Information 2.7 [0..1] +++ Instruction Priority <InstrPrty> Accepted but not used 2.8 [0..1] +++ Service Level <SvcLvl> <Cd> 2.9 [1..1] ++++ Code 2.11 [0..1] +++ Local Instrument <LclInstrm> 2.12 {Or ++++ Code <Cd> <Prtry> 2.13 Or} ++++ Proprietary 2.14 [0..1] +++ Category Purpose <CtgyPurp> 2.15 [1..1] ++++ Code <Cd> 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. Accepted but not used Usage Rule: Only following codes are allowed: SEPA; URGP; SDVA; NURG Only value SEPA is forwarded to the beneficiary bank in case of Estonian and EU payments if appilcable. Accepted codes: 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, DKK, GBP, SEK, NOK, RUB. Value dates and cut-off times of different payment types are available in 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. Accepted but not used. Forwarded to the beneficiary bank in case of Estonian and EU payments if applicable [1..1] ++ Requested Execution Date <ReqdExctnDt> Cannot be more than 180 days in future. Past dates are converted to current date [1..1] ++ Debtor <Dbtr> 2.19 [1..1] +++ Name <Nm> 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 [0..1] +++ Postal Address Accepted but not used. <Ctry> 2.19 [0..1] ++++ Country customer database and this value is sent to the beneficiary bank. <AdrLine> 2.19 [0..2] ++++ Address Line 2.19 [0..1] +++ Identification Accepted and forwarded to the beneficiary bank in case of Estonian and EU payments if applicable. In case of international payments the debtor's country is taken from bank's Accepted but only 2 occurences allowed and forwarded to the beneficiary bank in case of Estonian and EU payments if applicable, the rest will be ignored. In case of international payments the debtor's address is taken from bank's customer database and this value is sent to the beneficiary bank. Accepted and forwarded to the beneficiary bank in case of Estonian and EU payments if applicable. 7

8 2.19 {Or ++++ Organisation <OrgId> Identification of an organisation. Identification Usage Rule: Same rule as in SEPA Core Requirements applies {{Or BIC or BEI <BICOrBEI> Either "BIC or BEI" or one occurence of "Other" is allowed Or}} Other <Othr> 2.19 [1..1] Identification 2.19 [0..1] Scheme Name <SchmeNm> 2.19 {{{Or Code <Cd> 2.19 Or}}} Proprietary <Prtry> 2.19 Or} ++++ Private Identification <PrvtId> 2.19 {{Or Date And Place Of <DtAndPlcOfBirth> Birth 2.19 [1..1] Birth Date <BirthDt> 2.19 [1..1] City Of Birth >CityOfBirth> 2.19 [1..1] Country Of Birth <CtryOfBirth> 2.19 Or}} Other <Othr> 2.19 [1..1] Identification 2.19 [0..1] Scheme Name <SchmeNm> 2.19 {{{Or Code <Cd> 2.19 Or}}} Proprietary <Prtry> 2.20 [1..1] ++ Debtor Account <DbtrAcct> Only IBAN is allowed. In case of incorrect account, the file can t be imported [1..1] +++ Identification 2.20 [1..1] ++++ IBAN <IBAN> Must be account in Danske Bank Estonia. Forwarded to beneficiary bank [0..1] +++ Currency <Ccy> Used for cover currency for all payments [1..1] ++ Debtor Agent <DbtrAgt> 2.21 [1..1] +++ Financial Institution <FinInstnId> Identification 2.21 [1..1] ++++ BIC <BIC> Only Danske Bank s BIC FOREEE2X is allowed. Forwarded to beneficiary bank [0..1] ++ Ultimate Debtor <UltmtDbtr> Accepted and forwarded to Beneficiary Bank in case of Estonian and EU payments if applicable [0..1] +++ Name <Nm> Limited to 70 characters in length 2.23 [0..1] +++ Identification 2.23 {Or ++++ Organisation <OrgId> Identification 2.23 {{Or BIC or BEI <BICOrBEI> Either "BIC or BEI" or one occurence of "Other" is allowed Or}} Other <Othr> 2.23 [1..1] Identification 2.23 [0..1] Scheme Name <SchmeNm> 2.23 [1..1] Code <Cd> 2.23 Or} ++++ Private Identification <PrvtId> Either "DateAndPlaceOfBirth" or one occurence of "Other" is allowed {{Or Date And Place Of <DtAndPlcOfBirth> Birth 8

9 2.23 [1..1] Birth Date <BirthDt> 2.23 [1..1] City Of Birth <CityOfBirth> 2.23 [1..1] Country Of Birth <CtryOfBirth> 2.23 Or}} Other <Othr> 2.23 [1..1] Identification 2.23 [0..1] Scheme Name <SchmeNm> 2.23 [1..1] Code <Cd> <ChrgBr> 2.24 [0..1] ++ Charges Bearer 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. 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 [0..1] ++ Charges Account <ChrgsAcct> Fees will be debited primarily from Debtor Account, if not pre-agreed differently [1..1] +++ Identification 2.25 [1..1] ++++ IBAN <IBAN> 2.25 [0..1] +++ Currency <Ccy> Fees will be debited primarily from Debtor Account, if not pre-agreed differently [1..n] ++ Credit Transfer Transaction <CdtTrfTxInf> Information 2.28 [1..1] +++ Payment Identification <PmtId> 2.29 [0..1] ++++ Instruction Identification <InstrId> 2.30 [1..1] 2.31 [0..1] ++++ End To End Identification +++ Payment Type Information <EndToEndId> <PmtTpInf> 2.33 [0..1] ++++ Service Level <SvcLvl> <Cd> 2.34 [1..1] Code 2.36 [0..1] ++++ Local Instrument <LclInstrm> Recommended to be unique in payment message. The value is not passed on to the beneficiary. The value is forwarded to the beneficiary in case of Estonian and EU payments if applicable. Recommended to be unique for better identification of transaction. Special value NOTPROVIDED for empty content. May not contain special characters including å, ä and ö. 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. Accepted but not used. Usage Rule: Only following codes are allowed: SEPA; URGP; SDVA; NURG Only value SEPA is forwarded to the beneficiary bank in case of Estonian and EU payments if applicable. 9

10 2.37 {Or Code <Cd> Or} Proprietary <Prtry> Accepted codes: 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 2.38 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 [0..1] ++++ Category Purpose <CtgyPurp> 2.40 [1..1] Code <Cd> Accepted but not used. Forwarded to the beneficiary bank in case of Estonian and EU payments if applicable [1..1] +++ Amount <Amt> 2.43 {Or ++++ Instructed Amount <InstdAmt> Needs to be positive. Limited to 14 digits in total and 2 fraction digits. Forwarded to beneficiary bank Or} ++++ Equivalent Amount <EqvtAmt> Not supported 2.45 [1..1] +++++Amount <Amt> 2.46 [1..1] +++++Currency Of Transfer <CcyOfTrf> 2.51 [0..1] +++ Charge Bearer <ChrgBr> Recommended to use at "Payment Information" level. Therefore if present on "Credit Transfer Transaction Information" level and "Payment Information" level, then value given on "Payment 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 [0..1] +++ Ultimate Debtor <UltmtDbtr> Accepted but not used, will be forwarded to Beneficiary Bank in case of Estonian and EU payments if applicable [0..1] ++++ Name <Nm> Limited to 70 characters in length [0..1] ++++ Identification 2.70 {Or Organisation <OrgId> Either "BIC or BEI" or one occurence of "Other" is allowed. Identification 2.70 {{Or BIC or BEI <BICOrBEI> 2.70 Or}} Other <Othr> 2.70 [1..1] Identification 2.70 [0..1] Scheme Name <SchmeNm> 2.70 [1..1] Code <Cd> 10

11 2.70 Or} Private Identification <PrvtId> Either "DateAndPlaceOfBirth" or one occurence of "Other" is allowed {{Or Date And Place Of <DtAndPlcOfBirth> Birth 2.70 [1..1] Birth Date <BirthDt> 2.70 [1..1] City Of Birth <CityOfBirth> 2.70 [1..1] Country Of Birth <CtryOfBirth> 2.70 Or}} Other <Othr> 2.70 [1..1] Identification 2.70 [0..1] Scheme Name <SchmeNm> 2.70 [1..1] Code <Cd> 2.71 [0..1] +++ Intermediary Agent 1 <IntrmyAgt1> Only valid for for international payments, when applicable. Used to indicate correspondent bank of beneficiary s bank [1..1] ++++ Financial Institution <FinInstnId> Identification 2.71 [0..1] BIC <BIC> 2.71 [0..1] Clearing System <ClrSysMmbId> Member Identification 2.71 [0..1] Clearing System <ClrSysId> Identification 2.71 [1..1] Code <Cd> RUB payments: "RUCBC" 2.71 [1..1] Member Identification <MmbId> RUB payments: value of the BIK code of parent bank (9 digits) 2.71 [0..1] Name <Nm> Limited to 70 characters in lenght [0..1] Postal Address 2.71 [0..1] Country <Ctry> 2.71 [0..2] Address Line <AdrLine> Only two occurences accepted 2.72 [0..1] +++ Intermediary Agent 1 <IntrmyAgt1Acct> Account 2.72 [1..1] ++++ Identification 2.72 {Or IBAN <IBAN <Othr> Or} Other [1..1] Identification RUB payments: the correspondent account of the parent bank with the Central Bank of the Russian Federation (20 digits, starts with 301) [0..1] +++ Creditor Agent <CdtrAgt> Used to indicate beneficiary s bank. Either BIC or name and address are required in case of international payments [1..1] 2.77 [0..1] BIC 2.77 [0..1] ++++ Financial Institution Identification Clearing System Member Identification <FinInstnId> <BIC> <ClrSysMmbId> In case of international payments if the bank s information is entered without the BIC, the bank s name, address and country code must be present. 11

12 2.77 [0..1] Clearing System <ClrSysId> Identification 2.77 [1..1] Code <Cd> RUB payments: "RUCBC" 2.77 [1..1] Member Identification <MmbId> RUB payments: value of the BIK code <Nm> 2.77 [0..1] Name 2.77 [0..1] Postal Address 2.77 [0..1] Country <Ctry> 2.77 [0..2] Address Line <AdrLine> Only two occurences accepted 2.78 [0..1] +++ Creditor Agent Account <CdtrAgtAcct> 2.78 [1..1] ++++ Identification 2.78 {Or +++++IBAN <IBAN> 2.78 Or} +++++Other <Othr> 2.78 [1..1] Identification 2.79 [1..1] +++ Creditor <Cdtr> <Nm> 2.79 [1..1] ++++ Name 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. 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 303. Limited to 70 characters in lenght. If the beneficiary s name is too long, the remainder of the name must be written in the PstlAdr/AdrLine field without any spaces (without a hyphen). Forwarded to beneficiary bank [0..1] ++++ Postal Address Mandatory in case of international payments. Forwarded to beneficiary's bank if applicable [0..1] Country <Ctry> 2.79 [0..2] Address Line <AdrLine> Only two occurences accepted, total length max 70 characters [0..1] ++++ Identification Forwarded to beneficiary's bank in case of Estonian and EU payments if applicable {Or Organisation <OrgId> Identification 2.79 {{Or BIC Or BEI <BICOrBEI> Either "BIC or BEI" or one occurence of "Other" is allowed Or}} Other <Othr> RUB payments: two occurrences, one for INN and other, if necessary, for KPP 2.79 [1..1] Identification RUB payments: values of INN and KPP codes of an organisation [0..1] Scheme Name <SchmeNm> 2.79 {{Or Code <Cd> 2.79 Or}} Proprietary <Prtry> RUB payments: scheme names "INN" and "KPP" Or} Private Identification <PrvtId> Either "Date And Place Of Birth" or one occurence of "Other" is allowed Date And Place Of <DtAndPlcOfBirth> 2.79 {Or Birth 2.79 [1..1] Birth Date <BirthDt> 12

13 2.79 [1..1] City Of Birth <CityOfBirth> 2.79 [1..1] Country Of Birth <CtryOfBirth> 2.79 Or} Other <Othr> RUB payments: two occurrences, one for INN and other, if necessary, for KPP [1..1] Identification RUB payments: values of INN and KPP codes of a private person [0..1] Scheme Name <SchmeNm> 2.79 {Or Code <Cd> 2.79 Or} Proprietary <Prtry> RUB payments: scheme names "INN" and "KPP" [1..1] +++ Creditor Account <CdtrAcct> 2.80 [1..1] ++++ Identification 2.80 {Or IBAN <IBAN> In case of Estonian and EU payment IBAN is mandatory Or} Other <Othr> 2.80 [1..1] Identification 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 [0..1] +++ Ultimate Creditor <UltmtCdtr> Forwarded to beneficiary bank with Estonain and EU payments [0..1] ++++ Name <Nm> Limited to 70 characters in lenght [0..1] ++++ Identification 2.81 {Or Organisation <OrgId> Either "BIC or BEI" or one occurence of "Other" is allowed. Identification 2.81 {{Or BIC or BEI <BICOrBEI> 2.81 Or}} Other <Othr> 2.81 [1..1] Identification 2.81 [0..1] Scheme Name <SchmeNm> 2.81 [1..1] Code <Cd> 2.81 Or} Private Identification <PrvtId> Either "Date And Place Of Birth" or one occurence of "Other" is allowed {{Or Date And Place Of <DtAndPlcOfBirth> Birth 2.81 [1..1] Birth Date <BirthDt> 2.81 [1..1] City Of Birth <CityOfBirth> 2.81 [1..1] Country Of Birth <CtryOfBirth> 2.81 Or}} Other <Othr> 2.81 [1..1] Identification 2.81 [0..1] Scheme Name <SchmeNm> 2.81 [1..1] Code <Cd> 2.86 [0..1] +++ Purpose <Purp> 2.87 [1..1] ++++ Code <Cd> Forwarded to the beneficiary bank in case of Estonian and EU payments if applicable [0..10 <RgltryRptg> +++ Regulatory Reporting ] 2.89 [0..1] ++++ Authority <Authrty> 2.89 [0..1] +++++Country <Ctry> RUB payments: "RU". RUB payments: VO-code and KBK-code. Forwarded to beneficiary bank. 13

14 2.89 [0..n] ++++ Details <Dtls> 2.89 [0..1] Type <Tp> RUB payments: code type "VO" and/or "KBK" [0..1] Country <Ctry> 2.89 [0..1] Code <Cd> 2.89 [0..1] Information <Inf> RUB payments: value of VO-code and KBK-code [0..1] +++ Remittance Information <RmtInf> In general unstructured or structured remittance information needs to be present. When the client fills both, the structured and unstructured information tags, only 130 characters of combined length are accepted. When bank cannot forward both tags to 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. <Ustrd> Only 1 occurence allowed with maximum 140 characters. If unstructured and structured 2.99 [0..1] ++++ Unstructured 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 [0..1] ++++ Structured <Strd> Only 1 occurence of "Structured" is allowed [0..1] Creditor Reference <CdtrRefInf> Information [0..1] Type <Tp> [1..1] Code or Proprietary <CdOrPrtry> [1..1] Code <Cd> Accepted value is SCOR. All other values will be set to SCOR [0..1] Issuer <Issr> <Ref> If Creditor Reference Information is used, Reference must be included. If reference number [0..1] Reference is filled out in Estonian payment and beneficiary accepts payments with reference number only, the structure of reference number is checked against Estonian reference number standard. For information about Estonian reference number standard see 14

15 5. Examples 5.1. Domestic Payment Estonia, 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> <Ctry>EE</Ctry> <AdrLine>Metsa 8, Tallinn</AdrLine> </PstlAdr> <OrgId> <Othr> <SchmeNm> <Cd>COID</Cd> </SchmeNm> </Othr> </OrgId> </Dbtr> <DbtrAcct> <IBAN>EE </IBAN> 15

16 </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> <Ctry>EE</Ctry> <AdrLine>Leevikese 5,Tallinn</AdrLine> </PstlAdr> <OrgId> <Othr> <SchmeNm> <Cd>COID</Cd> </SchmeNm> </Othr> </OrgId> </Cdtr> <CdtrAcct> <IBAN>EE </IBAN> </CdtrAcct> <RmtInf> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> 16

17 </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> <Ctry>EE</Ctry> <AdrLine>Pronksi 12, Tallinn</AdrLine> </PstlAdr> <PrvtId> <Othr> <SchmeNm> <Cd>NIDN</Cd> </SchmeNm> </Othr> </PrvtId> </Cdtr> <CdtrAcct> <IBAN>EE </IBAN> </CdtrAcct> <RmtInf> <Ustrd>Here enter payment details</ustrd> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> 17

18 <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref> </Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> 5.2 International Payment example (express 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> </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> <Ctry>EE</Ctry> <AdrLine>Metsa 2, Tallinn</AdrLine> </PstlAdr> 18

19 </Dbtr> <DbtrAcct> <IBAN>EE </IBAN> <Ccy>USD</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>FOREEE2X</BIC> </FinInstnId> </DbtrAgt> <ChrgBr>DEBT</ChrgBr> <CdtTrfTxInf> <PmtId> <InstrId>12345</InstrId> <EndToEndId>323009</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="USD">5</InstdAmt> </Amt> <IntrmyAgt1> <FinInstnId> <BIC>BKTRUS33</BIC> <Nm>Deutche Bank Trust</Nm> <AdrLine>New York 60 Wall Street</AdrLine> </PstlAdr> </FinInstnId> </IntrmyAgt1> <IntrmyAgt1Acct> <Othr> </Othr> </IntrmyAgt1Acct> <CdtrAgt> <FinInstnId> <BIC>SWEDSESS</BIC> <Nm>Swedbank AB Sweden</Nm> <AdrLine>Stockholm Brunkebergstorg 8</AdrLine> 19

20 </PstlAdr> </FinInstnId> </CdtrAgt> <CdtrAgtAcct> <Othr> </Othr> </CdtrAgtAcct> <Cdtr> <Nm>Beneficiary Test1</Nm> <Ctry>SE</Ctry> <AdrLine>Stockholm Ridmansgatan 3F</AdrLine> </PstlAdr> </Cdtr> <CdtrAcct> <Othr> </Othr> </CdtrAcct> <RmtInf> <Ustrd>Test payment in USD dollars with express payment type</ustrd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> 5.3 EU payment example (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> 20

21 </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>PMTID0051</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <NbOfTxs>1</NbOfTxs> <CtrlSum>0.65</CtrlSum> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>ETTEVÕTE AS</Nm> <Ctry>EE</Ctry> <AdrLine>Metsa 2, Tallinn</AdrLine> </PstlAdr> </Dbtr> <DbtrAcct> <IBAN>EE </IBAN> </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> <Cdtr> <Nm>Company AB</Nm> <Ctry>FI</Ctry> <AdrLine>HELSINKI</AdrLine> </PstlAdr> </Cdtr> <CdtrAcct> 21

22 <IBAN>FI </IBAN> </CdtrAcct> <RmtInf> <Ustrd>Payment details</ustrd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> 5.4 Consolidated Payment example <?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>0.6</CtrlSum> <InitgPty> <Nm>AS MKONTSERN</Nm> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>PMTID005</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>true</BtchBookg> <NbOfTxs>3</NbOfTxs> <CtrlSum>0.6</CtrlSum> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>AS MKONTSERN</Nm> <Ctry>EE</Ctry> <AdrLine>Liivalaia, Tallinn</AdrLine> </PstlAdr> </Dbtr> <DbtrAcct> <IBAN>EE </IBAN> 22

23 </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>FOREEE2X</BIC> </FinInstnId> </DbtrAgt> <ChrgBr>SLEV</ChrgBr> <CdtTrfTxInf> <PmtId> <InstrId>1</InstrId> <EndToEndId>01</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="EUR">0.10</InstdAmt> </Amt> <Cdtr> <Nm>MARI METS</Nm> <Ctry>EE</Ctry> <AdrLine>Leevikese 5,Tallinn</AdrLine> </PstlAdr> </Cdtr> <CdtrAcct> <IBAN>EE </IBAN> </CdtrAcct> <RmtInf> <Ustrd>september salary</ustrd> </RmtInf> </CdtTrfTxInf> <CdtTrfTxInf> <PmtId> <InstrId>2</InstrId> <EndToEndId>02</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="EUR">0.2</InstdAmt> </Amt> <Cdtr> <Nm>MAGNUS MERI</Nm> <Ctry>EE</Ctry> 23

24 <AdrLine>Siinseal, Tallinn</AdrLine> </PstlAdr> </Cdtr> <CdtrAcct> <IBAN>EE </IBAN> </CdtrAcct> <RmtInf> <Ustrd>september salary</ustrd> </RmtInf> </CdtTrfTxInf> <CdtTrfTxInf> <PmtId> <InstrId>3</InstrId> <EndToEndId>03</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="EUR">0.3</InstdAmt> </Amt> <Cdtr> <Nm>AADU KALA</Nm> <Ctry>EE</Ctry> <AdrLine>Leevikese 5,Tallinn</AdrLine> </PstlAdr> </Cdtr> <CdtrAcct> <IBAN>EE </IBAN> </CdtrAcct> <RmtInf> <Ustrd>september salary</ustrd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> 5.5 International payment in Russian roubles example (via correspondent bank) <?xml version="1.0" encoding="utf-8"?> <Document xmlns:xsi=" xmlns="urn:iso:std:iso:20022:tech:xsd:pain "> 24

25 <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> <ReqdExctnDt> </ReqdExctnDt> <Dbtr> <Nm>ETTEVÕTE AS</Nm> <Ctry>EE</Ctry> <AdrLine>Metsa 2, Tallinn</AdrLine> </PstlAdr> </Dbtr> <DbtrAcct> <IBAN>EE </IBAN> <Ccy>EUR</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>FOREEE2X</BIC> </FinInstnId> </DbtrAgt> <ChrgBr>DEBT</ChrgBr> <CdtTrfTxInf> <PmtId> 25

26 <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> <Ctry>RU</Ctry> <AdrLine>Moskva</AdrLine> </PstlAdr> </FinInstnId> </IntrmyAgt1> <IntrmyAgt1Acct> <Othr> </Othr> </IntrmyAgt1Acct> <CdtrAgt> <FinInstnId> <Nm>Vernadskoe otdelenie 9038</Nm> </FinInstnId> </CdtrAgt> <CdtrAgtAcct> <Othr> </Othr> </CdtrAgtAcct> <Cdtr> <Nm>OOO Severnyy Tr/e/vel</Nm> 26

27 </Cdtr> <CdtrAcct> <OrgId> <Othr> INN <SchmeNm> <Prtry>INN</Prtry> </SchmeNm> </Othr> <Othr> KPP <SchmeNm> <Prtry>KPP</Prtry> </SchmeNm> </Othr> </OrgId> <Othr> </Othr> </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> 27

28 <Ustrd>predoplata za transportnye uslugi, schet no.5 ot , NDS 5.00 RUB</Ustrd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document> 28