Implementation guide. GlobalOn-Line Local payments EDIFACT PAYMUL format

Transcription

1 GlobalOn-Line Local payments EDIFACT PAYMUL format Version Publishing date 13 December 2017

2 Table of contents 1 INTRODUCTION... 4 History IMPLEMENTATION GUIDELINES COUNTRY SPECIFIC INFORMATION China BANK TRANSFER URGENT PAYMENT OTHER TERMS AND CONDITIONS Denmark BANK TRANSFER GIRO PAYMENT, FORM TYPE GIRO PAYMENT, FORM TYPE GIRO PAYMENT, FORM TYPE FI PAYMENT, FORM TYPE FI PAYMENT, FORM TYPE FI PAYMENT, FORM TYPE SALARY PAYMENT CENTRAL BANK PAYMENT Estonia SEPA CREDIT TRANSFER SEPA CREDIT TRANSFER STRUCTURED SEPA SALARY PAYMENT EXPRESS PAYMENT Finland SEPA CREDIT TRANSFER STRUCTURED SEPA CREDIT TRANSFER WITH MESSAGE SEPA SALARY FINANCIAL OR URGENT PAYMENT (ILGIRO) France SEPA CREDIT TRANSFER SEPA CREDIT TRANSFER STRUCTURED SEPA SALARY Germany SEPA CREDIT TRANSFER SEPA CREDIT TRANSFER STRUCTURED SEPA SALARY FINANCIAL PAYMENT Great Britain BACS PAYMENT CHAPS PAYMENT (URGENT GBP) CHEQUE PAYMENT Hong Kong ACCOUNT PAYMENT CHEQUE PAYMENT Latvia SEPA CREDIT TRANSFER SEPA CREDIT TRANSFER STRUCTURED SEPA SALARY PAYMENT EXPRESS PAYMENT Lithuania SEPA CREDIT TRANSFER SEPA CREDIT TRANSFER STRUCTURED SEPA SALARY EDIFACT PAYMUL GlobalOn-Line Local payments Page 2 (83)

3 EXPRESS PAYMENT Luxembourg SEPA CREDIT TRANSFER SEPA CREDIT TRANSFER STRUCTURED EXPRESS PAYMENT The Netherlands SEPA CREDIT TRANSFER SEPA CREDIT TRANSFER STRUCTURED SEPA SALARY EUR EXPRESS PAYMENT Norway KID AND TAX PAYMENTS PAYMENT WITH MESSAGE SALARY PAYMENTS CASH PAYMENTS FINANCIAL PAYMENT Poland NORMAL PAYMENT TAX PAYMENT/CUSTOMS DUTY SORBNET ON REQUEST Singapore ACCOUNT PAYMENT CHEQUE PAYMENT Sweden BANKGIRO PAYMENTS WITH OCR REFERENCE BANKGIRO PAYMENT WITH MESSAGE PLUSGIRO PAYMENT WITH OCR REFERENCE PLUSGIRO PAYMENT WITH MESSAGE ACCOUNT PAYMENT SALARY PAYMENT FINANCIAL PAYMENT USA ACH PAYMENT FEDWIRE PAYMENT APPENDICES Debit Account and Debit bank DEBIT ACCOUNT HANDELSBANKEN DEBIT ACCOUNT HELD IN OTHER BANKS Credit Account and institution BENEFICIARY ACCOUNT BENEFICIARY BANK EDIFACT PAYMUL GlobalOn-Line Local payments Page 3 (83)

4 1 Introduction s implementation guidelines will describe the contents of GlobalOn-Line local payments based on EDIFACT PAYMUL-format. In the first part of the document you will find a description of the format. After the format description you will find country specific information. It is currently possible to make local payments via GlobalOn-Line in : China Great Britain Norway Denmark Hong Kong Poland Estonia Latvia Singapore Finland Lithuania Sweden France Luxembourg USA Germany Netherlands Other banks Payments can also be made from s held with other banks. The service is based on having an agreement with the holding bank in order to execute payments. Please contact your debtor agent for information regarding how to state your debtor. Local financial payments can currently be made from s in Denmark, Finland, Germany, Norway and Sweden according to special agreement. For cross border payments see the Implementation guide EDIFACT PAYMUL Cross-border payments. This description is unique for s services and can therefore only be used in cooperation with. The description is based on the application instructions produced by the Swedish banks within the framework of the Swedish Bankers Association and it should be used in parallel with the Bankers Association s application instructions available in the Swedish Bankers Association Manual (EDIFACT PAYMUL version D96.A.rev ) on The implementation instructions describe the information content sorted in numerical order for the business s included in the business transaction payment order in the Bankers Association s documentation. Beside each business there is also a reference to the current data element in the EDIFACT PAYMUL message. The idea is that it should be possible to use the format description in parallel with both the business transaction payment orders for the company s information analysis, and with the message application for the EDIFACT PAYMUL message for implementation in the company s system. The structure and character sets of the EDIFACT messages are described in the Bankers Association s Service Segments. uses the ISO :1987 character set for the syntax. More information about GlobalOn-Line local payments can be obtained from your local branch office EDIFACT PAYMUL GlobalOn-Line Local payments Page 4 (83)

5 History At, changes to version numbers are made according to the following guidelines. The original version is The last digit is changed when the format descriptions are changed, for example text clarifications and examples. The second digit is changed if minor changes are made to the format such as new countries or changes in the payment type. The first digit is changed (thus becoming a completely new version) if the format changes mean that the customer will have to make adaptations in order to continue using the service. In this case, all customers affected are informed of the new version and what the changes involve. Version Date Description PL: ZUS payments are no longer possible DK: Central bank payment must be made with an amount < DKK Salary payment available for EE, LV and LT (former 1.5.3) (former 1.5.2) New payment type for NL, EUR Express Payment. Changed version number New payment types for Estonia and Latvia due to SEPA migration end-date BIC is optional if Debit or Beneficiary s number is stated as an IBAN New payment types for DE, FR, LU and NL due to SEPA migration end-date Updated instructions for Local Salary Payments Finland Updates due to Finland s migration to SEPA-payments New countries added, China, France and Luxembourg New country Possible to order local payments from in Lithuania Edited version with new examples added New country Possible to order local payments from in Latvia New version management New version number Changes according to above guidelines. Sweden Account payment/salary payment; not possible to enter a message New country Possible to order local payments from in Poland 2007 March New country Possible to order local payments from in Estonia Older versions Please contact your local branch if you have questions concerning older versions EDIFACT PAYMUL GlobalOn-Line Local payments Page 5 (83)

6 2 Implementation guidelines Payment date (execution date) can be stated for a maximum of 12 months ahead. Payment date must be a banking day in the country where the debit is held. The payment date will be the date on which the will be debited. The payment must be made according to the cut-off times for each country. If receives the order after the specific cut-off time, the transfer will be made the following business day. If the transfer is from an held in another bank, no check is made of cut-off time. Swedish Bankers Association (Bankföreningen) Ref.no. Payment order Name PAYMUL Local payments, GlobalOn-Line A001 Payment order, number BGM 1004 Must be unique for each message between the sender and the bank Max 15 characters A017 A018 A025 Debit order reference, verification number Customer reference number, verification number Reference to remittance advice, number 4 RFF 1154 Unique reference for the debit transaction 11 RFF 1154 Unique reference for the credit transaction. 11 RFF 1154 Not used If the payment fulfils the requirements of a euro payment within SEPA and a reference is provided, the reference will be sent to the beneficiary. Otherwise the reference will not be forwarded to the beneficiary. A027 Message function code BGM = Original A029 A039 Previous payment order, number Customer to customer payment reference, number 1 RFF 1154 Not used 11 RFF 1154 Not used B001 Payment order, date DTM 2380 YYYYMMDD B002 Requested execution date 4 DTM 2380 YYYYMMDD B016 Beneficiary s banks due date 11 DTM 2380 Not used B017 Payment due date 11 DTM 2380 Not used B018 B028 C001 Reference date for exchange rate Previous payment order, date Ordering customer s customer number 5 DTM 2380 Not used 1 DTM 2380 Not used 13 NAD 3039 Not used EDIFACT PAYMUL GlobalOn-Line Local payments Page 6 (83)

7 Swedish Bankers Association (Bankföreningen) Ref.no. Payment order Name PAYMUL Local payments, GlobalOn-Line C002 Ordering customer s name 13 NAD 3036 Ordering customer s name in plain text, if not the same as the holder See C016 FII SG6 Max 35 positions. Not used in Sweden. C003 C004 C005 C006 Ordering customer s box/street address Ordering customer s postcode Ordering customer s postal address Ordering customer s country code 13 NAD 3042 Not used 13 NAD 3251 Not used 13 NAD 3164 Not used 13 NAD 3207 Not used C008 Debit 6 FII 3194 Account to be debited See country specific information C016 Debit holder s identification 6 FII 3192 Debit holder s customer no. = organisation/shb number C017 Payer s name 13 NAD 3036 Not used C018 Payer s street address 13 NAD 3042 Not used C019 Payer s postcode 13 NAD 3251 Not used C020 Payer s postal address 13 NAD 3164 Not used C021 Payer s country code 13 NAD 3207 Not used C022 C027 C028 Payer s province/country/state Debit servicing financial institution, institution branch number Debit servicing financial institution, BIC 13 NAD 3229 Not used 6 FII 3434 Not used 6 FII 3433 BIC of the bank servicing the customers debit, e.g. HANDDKKK Optional if Debit is stated as an IBAN C031 Inediary bank, BIC 12 FII 3433 Not used C034 Beneficiary s identification 13 NAD 3039 Not used C035 Beneficiary s name 13 NAD 3036 Beneficiary s name C036 Beneficiary s box/street address 13 NAD 3042 Beneficiary s street address EDIFACT PAYMUL GlobalOn-Line Local payments Page 7 (83)

8 Swedish Bankers Association (Bankföreningen) Ref.no. Payment order Name PAYMUL Local payments, GlobalOn-Line C037 Beneficiary s postcode 13 NAD 3251 Beneficiary s postcode C038 Beneficiary's postal address 13 NAD 3164 Beneficiary's postal address C039 Beneficiary's country code 13 NAD 3207 Beneficiary's country code, ISO standard 1 12 FII 3194 Beneficiary s number See country specific information C043 C044 Beneficiary s contact person or department Beneficiary s telephone number 13 CTA 3412 Not used 13 COM 3148 Not used C045 Beneficiary s fax number 13 COM 3148 Not used C046 Beneficiary s telex number 13 COM 3148 Not used C047 Beneficiary s address 13 COM 3148 Not used C048 C049 C050 C050 C051 C051 Beneficiary s institution branch number Beneficiary s financial institution, BIC Charge, number Charge, number Charge, institution branch number Charge, institution branch number 12 FII 3434 Not used 12 FII 3433 Not used 4 FCA 3194 Not used 11 FCA 3194 Not used 4 FCA 3434 Not used 11 FCA 3434 Not used C052 Party enacting advice 1, code 14 INP 3301 Not used C053 Recipient of advice 1, code 14 INP 3285 Not used C054 Advice method 1, code 14 INP 4401 Not used C055 Party enacting advice 2, code 14 INP 3301 Not used C056 Recipient of advice 2, code 14 INP 3285 Not used C057 Advice method 2, code 14 INP 4401 Not used C058 Payee s identification 13 NAD 3039 Not used 1 See C066 and for more information EDIFACT PAYMUL GlobalOn-Line Local payments Page 8 (83)

9 Swedish Bankers Association (Bankföreningen) Ref.no. Payment order Name PAYMUL C059 Order sender, identification 3 NAD 3039 Not used C060 Order recipient, identification 2 FII 3433 Not used Local payments, GlobalOn-Line C066 C068 C069 financial institution, institution branch number Account servicing financial institution, name Account servicing financial institution, town 12 FII 3434 Beneficiary bank identification, National bank ID See country specific information 12 FII 3433 Beneficiary bank identification, BIC 12 FII 3432 Not used 12 FII 3436 Not used Optional if Beneficiary s number is stated as an IBAN See country specific information C070 Payee s name 13 NAD 3036 Not used C071 Payee s box/street address 13 NAD 3042 Not used C072 Payee s postcode 13 NAD 3251 Not used C073 Payee s postal address 13 NAD 3251 Not used C074 Payee s country code 13 NAD 3207 Not used C075 Payee s province/country/state 13 NAD 3229 Not used C080 Party enacting advice 3, code 14 INP 3301 Not used C081 Recipient of advice 3, code 14 INP 3285 Not used C082 Advice method 3, code 14 INP 4401 Not used C083 C085 C086 Beneficiary s province/country/state Advice information 1, free text Advice information 2, free text 13 NAD 3229 Not used 14 FTX 4440 Not used 14 FTX 4440 Not used C087 Advice information 3, 14 FTX 4440 Not used C089 C107 Ordering customer s province/country/state Institution branch number type, code 13 NAD 3229 Not used 6 FII EDIFACT PAYMUL GlobalOn-Line Local payments Page 9 (83)

10 Swedish Bankers Association (Bankföreningen) Ref.no. C107 Payment order Name Institution branch number type, code PAYMUL Local payments, GlobalOn-Line 12 FII = clearing code AU, CA, CH, ES, HK, IE, IT, LT, LV, PL, PT, RU, US 154 = clearing code GB 157 = clearing code SE Used if C066 financial institution, institution branch number is stated in FII 3434 SG12 C108 C108 C122 C134 D001 Institution branch number type, code list responsible agency Institution branch number type, code list responsible agency Account servicing financial institution, country Ordering customer s financial institution, country Geographic environment, code 6 FII FII = US, American Bankers Association 118 = SE, Swedish Bankers Association 119 = IT, Associazione Bancaria Italiana 133 = GB, Association for Payment Clearing Services 170 = CA, Canadian Payment Association 178 = AU, Standard Association of Australia CH = Switzerland ES = Spain HK = Hong Kong IE = Ireland PT = Portugal RU = Russia 12 FII 3207 Country code of financial institution servicing beneficiary s, ISO standard 6 FII 3207 Country code of ordering customer s financial institution, ISO standard 4 BUS 3279 DO = domestic D002 Payment type, code 4 BUS 4487 Not used D003 Intra-group payment, code 4 BUS 4463 Not used D004 Contract number 5 RFF 1154 Not used EDIFACT PAYMUL GlobalOn-Line Local payments Page 10 (83)

11 Swedish Bankers Association (Bankföreningen) Ref.no. Payment order Name PAYMUL Local payments, GlobalOn-Line D005 Payment s, code 11 PAI = normal payment 81 = express/urgent payment(only CN, EE, GB, LV, LU, NL and US) 83 = cheque payment (only GB, HK and SG) 87 = salary payment, see country specific information YW6 = Financial payment (only DE, DK, NO and SE) and financial or urgent payment(only FI) D006 Payment method, code 11 PAI = cash payment D007 Charge allocation code 11 FCA 4471 Not used Only used in Norway See country specific information D008 D020 Payment code, Currency register code, Central bank code Underlying business type, code 15 RCS 7295 Only used in Latvia 4 BUS 4025 Not used D021 Payment channel, code 11 PAI 4435 Not used D022 D024 Payment reference, contents and format, code Generic charges allocation, code 16 PRC = Payment reference only in structured form (DOC) 10 = Payment reference both in structured and unstructured form 11 = Payment reference only in unstructured form (FTX) 4 FCA 4471 Not used E001 Payment amount 11 MOA 5004 Amount to pay E002 Payment currency 5 MOA 6345 Payment currency code, ISO standard E002 Payment currency 11 MOA 6345 Payment currency code, ISO standard E011 E011 Currency of equivalent amount Currency of equivalent amount 5 MOA 6345 Not used 11 MOA 6345 Not used E015 Exchange rate 5 CUX 5402 Not used E047 E048 Total amount in payment currency Total amount as equivalent amount 5 MOA 5004 Total of all E001 MOA 5004 SG11 5 MOA 5004 Not used E049 Account currency 4 FCA 6345 Not used EDIFACT PAYMUL GlobalOn-Line Local payments Page 11 (83)

12 Swedish Bankers Association (Bankföreningen) Ref.no. Payment order Name PAYMUL E049 Account currency 6 FII 6345 Not used E049 Account currency 11 FCA 6345 Not used E049 Account currency 12 FII 6345 Not used E050 Debit currency 5 CUX 6345 Not used E051 Credit currency 5 CUX 6345 Not used E052 Exchange rate, base 5 CUX 6348 Not used Local payments, GlobalOn-Line E054 Payment amount as equivalent amount 11 MOA 5004 Not used F001 Control amount 23 MOA 5004 Total of all F007 MOA 5004 Sg 17 F003 Document number 17 DOC 1004 Reference or invoice number See country specific information F004 Document type 17 DOC = Invoice 381 = Credit note F005 Document date 17 DTM 2380 Not used F006 Document date, format 17 DTM 2379 Not used 322 = OCR/KID 420 = OCR/KID credit note F007 Document amount 17 MOA 5004 Invoice amount See country specific information F008 Document currency 17 MOA 6345 Currency for invoice amount, ISO standard F009 Amount type, code 17 MOA = Invoice amount F010 Other reference number 17 RFF 1154 Not used F010 Other reference number 19 FTX 4440 Not used F011 Type of reference number 17 RFF 1153 Not used F011 Type of reference number 19 FTX 4441 Not used free text free text 10 FTX 4440 Not used 16 FTX 4440 Unstructured reference/message to the beneficiary See country specific information F013 Text, language 10 FTX 3453 Not used F013 Text, language 14 FTX 3453 Not used EDIFACT PAYMUL GlobalOn-Line Local payments Page 12 (83)

13 Swedish Bankers Association (Bankföreningen) Ref.no. Payment order Name PAYMUL F013 Text, language 16 FTX 3453 Not used Local payments, GlobalOn-Line EDIFACT PAYMUL GlobalOn-Line Local payments Page 13 (83)

14 3 Country specific information In this chapter country specific information for local payments through GlobalOn-Line will be described. A business example including a file example will be presented for each payment type. China Debit should be stated as BBAN. Beneficiary as BBAN is mandatory, 10 characters. The payment currency must be in CNY. The debit can be in any currency. SHB CH will convert into CNY BANK TRANSFER A message to the beneficiary can be entered with a maximum of 4x35 characters. C039 Country code 13 NAD 3207 Beneficiary s country code CN 12 FII 3194 Beneficiary s, BBAN FII 3433 Beneficiary bank, BIC HANDCNSH 16 FTX 4440 Message to beneficiary, max 4 X 35 characters INVOICE 123 File example: Bank transfer SEQ++1' MOA+9:1:CNY' RFF+CR: ' FII+BF HANDCNSH:25:5+CN' NAD+BE+++CN BENEFICIARY 2+CN STREET+BEIJING+CN' GIS+10' RCS :71:265' FTX+PMD+++INVOICE 123' MOA+128:1' EDIFACT PAYMUL GlobalOn-Line Local payments Page 14 (83)

15 3.1.2 URGENT PAYMENT A message to the beneficiary can be entered with a maximum of 4x35 characters. example: Urgent payment This is a basic business example of an urgent payment. D005 Payment s, code 11 PAI = Urgent FII 3194 Beneficiary s, 10 digits FII 3433 Beneficiary bank, BIC HANDCNSH 16 FTX 4440 Message to beneficiary, max 4 X 35 characters INVOICE 123 File example: Urgent payment SEQ++2' MOA+9:2:CNY' RFF+CR: ' PAI+81' FII+BF HANDCNSH:25:5+CN' NAD+BE+++CN BENEFICIARY 2+CN STREET+BEIJING+CN' FTX+PMD+++INVOICE 123' MOA+128:2' OTHER TERMS AND CONDITIONS According to the local regulation, some of the payment orders need to have supporting documents to be verified by the bank before pay-out. In such case, same day value is not guaranteed unless full set of supporting documents have been verified by the bank before the value date. Please contact local branch if any uncertainty. EDIFACT PAYMUL GlobalOn-Line Local payments Page 15 (83)

16 Denmark Debit should be stated as BBAN BANK TRANSFER Beneficiary as BBAN is mandatory, 11 or 14 digits. For payment to bank s, the remitter can enter a message to the beneficiary of maximum 4x35 characters. example: Bank transfer This is a basic business example of a bank transfer. 12 FII 3194 Beneficiary s, BBAN FII 3433 Beneficiary bank BIC DABADKKK 16 FTX 4440 Message to beneficiary, max 4 X 35 characters Invoice 123 File example: Bank transfer This file example corresponds to the business example of a Bank transfer. SEQ++1' MOA+9:1:DKK' RFF+CR: ' FII+BF DABADKKK:25:5+DK' NAD+BE+++DK BENEFICIARY 1+GEMINI VEJ 1+GREVE DK' FTX+AAG+++INVOICE 123' EDIFACT PAYMUL GlobalOn-Line Local payments Page 16 (83)

17 3.1.5 GIRO PAYMENT, FORM TYPE 01 Giro number must be stated as beneficiary, 7 or 8 digits. Please note that the text GIRO must always be entered before the Giro number. Message to the beneficiary must always be entered with a maximum of 4x35 characters. The form type code shall not be filled in. exampel: Giro, form type 01 This is a basic business example of a Giro payment, form type FII 3194 Giro. Always begins with GIRO GIRO FII 3433 Beneficiary bank, BIC DABADKKK 16 FTX 4440 Message to beneficiary, max 4x35 characters INVOICE 123 File example: Giro, form type 01 SEQ++2' MOA+9:2:DKK' RFF+CR: ' FII+BF+GIRO DABADKKK:25:5+DK' NAD+BE+++DK BENEFICIARY 2+VINGELODDEN+KOEBENHAVN N DK' FTX+PMD+++INVOICE 123' MOA+128:2' EDIFACT PAYMUL GlobalOn-Line Local payments Page 17 (83)

18 3.1.6 GIRO PAYMENT, FORM TYPE 04 Giro number must be stated as beneficiary, 7 or 8 digits. Please note that the text GIRO must always be entered before the Giro number. The OCR reference is mandatory. It is found in the bottom left corner of the payment form together with the OCR reference and the Giro number. Please note that the form type code must be entered before the OCR reference. example: Giro, form type 04 This is a basic business example of a Giro payment, form type FII 3194 Giro. Always begins with GIRO GIRO FII 3433 Beneficiary bank, BIC DABADKKK F004 Document type 17 DOC = Invoice 322 = OCR reference F003 Document number 17 DOC 1004 OCR reference from GIRO form type 04, total 18 digits File example: Giro, form type 04 SEQ++4' MOA+9:4:DKK' RFF+CR: ' FII+BF+GIRO DABADKKK:25:5+DK' NAD+BE+++DK BENEFICIARY 4+EGESKOVVEJ+HORSENS DK' PRC+8' DOC ' MOA+77:4:DKK' MOA+128:4' EDIFACT PAYMUL GlobalOn-Line Local payments Page 18 (83)

19 3.1.7 GIRO PAYMENT, FORM TYPE 15 Giro number must be stated as beneficiary, 7 or 8 digits. Please note that the text GIRO must always be entered before the Giro number. The OCR reference is mandatory. It is found in the bottom left corner of the payment form together with the OCR reference and the Giro number. Please note that the form type code must be entered before the OCR reference. example: Giro, form type 15 This is a basic business example of a Giro payment, form type FII 3194 Giro. Always begins with GIRO GIRO FII 3433 Beneficiary bank, BIC DABADKKK F004 Document type 17 DOC = Invoice 322 = OCR reference F003 Document number 17 DOC 1004 OCR reference from GIRO form type 15, total 18 digits File example: Giro, form type 15 SEQ++4' MOA+9:4:DKK' RFF+CR: ' FII+BF+GIRO DABADKKK:25:5+DK' NAD+BE+++DK BENEFICIARY 4+EGESKOVVEJ+HORSENS DK' PRC+8' DOC ' MOA+77:4:DKK' MOA+128:4' EDIFACT PAYMUL GlobalOn-Line Local payments Page 19 (83)

20 3.1.8 FI PAYMENT, FORM TYPE 71 FI creditor number must be stated as beneficiary, 8 digits. Please note that the text FI must always be entered before the FI creditor number. The OCR reference is mandatory. Please note that the form type code must be entered before the OCR reference. The form type code is found in the bottom left corner of the payment form. example: FI, form type 71 This is a basic business example of a FI payment, form type FII 3194 FI creditor number. Always begins with FI FI FII 3433 Beneficiary bank, BIC DABADKKK F004 Document type 17 DOC = Invoice 322 = OCR reference F003 Document number 17 DOC 1004 OCR reference from FI form type 71, total 17 digits File example: FI, form type 71 This file example corresponds to the business example of FI payment, form type 71. SEQ++5' MOA+9:5:DKK' RFF+CR: ' FII+BF+FI DABADKKK:25:5+DK' NAD+BE+++DK BENEFICIARY 5+HEJREVEJ 112+ALLEROED DK' PRC+8' DOC ' MOA+77:5:DKK' MOA+128:5' EDIFACT PAYMUL GlobalOn-Line Local payments Page 20 (83)

21 3.1.9 FI PAYMENT, FORM TYPE 73 FI creditor number must be stated as beneficiary, 8 digits. Please note that the text FI must always be entered before the FI creditor number. A message to the beneficiary is mandatory, maximum of 4 X 35 characters. The form type code shall not be filled in. example: FI, form type 73 This is a basic business example of a FI payment, form type FII 3194 FI creditor number. Always begins with FI FI FII 3433 Beneficiary bank, BIC DABADKKK 16 FTX 4440 Message to beneficiary, max 4 X 35 characters INVOICE 123 File example: FI, form type 73 This file example corresponds to the business example of FI payment, form type 73. SEQ++6' MOA+9:6:DKK' RFF+CR: ' FII+BF+FI DABADKKK:25:5+DK' NAD+BE+++DK BENEFICIARY 6+KAROLINEVEJ 0+SLAGELSE DK' FTX+PMD+++INVOICE 123' MOA+128:6' EDIFACT PAYMUL GlobalOn-Line Local payments Page 21 (83)

22 FI PAYMENT, FORM TYPE 75 FI creditor number must be stated as beneficiary, 8 digits. Please note that the text FI must always be entered before the FI creditor number. The OCR reference is mandatory. Please note that the form type code must be entered before the OCR reference. The form type code is found in the bottom left corner of the payment form. example: FI, form type 75 This is a basic business example of a FI payment, form type FII 3194 FI creditor number. Always begins with FI FI FII 3433 Beneficiary bank, BIC DABADKKK F004 Document type 17 DOC = Invoice 322 = OCR reference F003 Document number 17 DOC 1004 OCR reference from FI form type 75, total 18 digits File example: FI, form type 75 This file example corresponds to the business example of FI payment, form type 75. SEQ++7' MOA+9:7:DKK' RFF+CR: ' FII+BF+FI DABADKKK:25:5+DK' NAD+BE+++DK BENEFICIARY 7+SLOTSGADE+DRONNINGLUND DK' PRC+8' DOC ' MOA+77:7:DKK' MOA+128:7' EDIFACT PAYMUL GlobalOn-Line Local payments Page 22 (83)

23 SALARY PAYMENT BBAN should be used as beneficiary number, 11 or 14 digits. Implementation guide Please note that it is not possible to enter a message to the beneficiary when making a salary payment. example: Salary payment In this section a basic example of a salary payment is presented. D005 Payment s, code 11 PAI 4439 Payment code 87 = Salary FII 3194 Beneficiary s, BBAN FII 3433 Beneficiary bank, BIC DABADKKK File example: Salary payment This file example corresponds to the business example of a salary payment. SEQ++8' MOA+9:8:DKK' RFF+CR: ' PAI+87' FII+BF DABADKKK:25:5+DK' NAD+BE+++DK BENEFICIARY 8+NAVERLAND 99+GLOSTRUP DK' MOA+128:8' EDIFACT PAYMUL GlobalOn-Line Local payments Page 23 (83)

24 CENTRAL BANK PAYMENT Please note that for financial payments in Denmark, beneficiary must always be an IBAN, 18 characters. A message to the beneficiary is optional, maximum of 4x35 characters. Minimum amount is DKK. example: Central bank payment In this section a basic example of a financial payment is presented D005 Payment s, code 11 PAI 4439 Payment code YW6 = Financial payment YW6 12 FII 3194 IBAN, 18 characters DK FII 3433 Beneficiary bank, BIC DABADKKK 16 FTX 4440 Message to beneficiary, max 4x35 characters FX DEAL File example: Central bank payment This file example corresponds to the business example of a financial payment. SEQ++9' MOA+9:9:DKK' RFF+CR: ' PAI+YW6' FII+BF+DK DABADKKK:25:5+DK' NAD+BE+++DK BENEFICIARY 9+LYNGBY VEJ+KOEBENHAVN OE DK' FTX+PMD+++FX DEAL' EDIFACT PAYMUL GlobalOn-Line Local payments Page 24 (83)

25 Estonia Debit should be stated as IBAN. Beneficiary as IBAN is mandatory, 20 characters. financial institution s BIC is optional. In case the BIC is provided Credit servicing financial institution s element has to be populated as shown in below example SEPA CREDIT TRANSFER A message to the beneficiary can be entered with a maximum of 4x35 characters. It is possible to register to enter a RF Creditor reference (max 25 characters starting with RF and 2 digit control number) or a Viite reference (max 20 characters) in this field together with a message. If you enter both structured reference and a message in this field the information has to be formatted into unstructured information tag as follows: /RFB/XXXXXX/TXT/ZZZZZZ RFB is the code of creditor reference, XXX is the creditor reference, TXT code of message (unstructured information), ZZZ is the message. example: SEPA credit transfer This is a basic business example of a SEPA credit transfer. SG Seg DE 12 FII 3194 Account number, IBAN EE FII 3433 Beneficiary bank, BIC EPBEEE2X 16 FTX 4440 Message, 4x35 characters /RFB/RF /TXT/Product XY File example: SEPA credit transfer SEQ++1' MOA+9:1:EUR' RFF+CR: ' FII+BF+EE EPBEEE2X:25:5+EE' NAD+BE+++EE BENEFICIARY 1+EE STREET+TALLIN+EE' FTX+PMD+++/RFB/RF /TXT/Product XY' MOA+128:1' EDIFACT PAYMUL GlobalOn-Line Local payments Page 25 (83)

26 SEPA CREDIT TRANSFER STRUCTURED It is mandatory to enter a RF Creditor reference (max 25 characters starting with RF and 2 digit control number) or a Viite reference (max 20 characters), to the beneficiary. example: SEPA credit transfer structured This is a basic business example of a SEPA credit transfer structured. SG Seg DE 12 FII 3194 Account number, IBAN EE FII 3433 Beneficiary bank, BIC EPBEEE2X F004 Document type 17 DOC = Invoice 380 F003 Document number 17 DOC 1004 RF reference, max 25 digits or Local Viite reference, max 20 digits RF File example: SEPA credit transfer structured SEQ++1' MOA+9:1:EUR' RFF+CR: ' FII+BF+EE EPBEEE2X:25:5+EE' NAD+BE+++EE BENEFICIARY 1+EE STREET+TALLIN+EE' PRC+8' DOC+380+RF ' MOA+77:1:EUR' MOA+128:1' EDIFACT PAYMUL GlobalOn-Line Local payments Page 26 (83)

27 SEPA SALARY PAYMENT A message to the beneficiary can be entered with a maximum of 4x35 characters. example: SEPA Salary payment This is a basic business example of a SEPA Salary payment. Implementation guide D005 Payment s, code 11 PAI = Salary FII 3194 Account number, IBAN EE FII 3433 Beneficiary bank, BIC EPBEEE2X 16 FTX 4440 Message to beneficiary, max 4x35 characters Salary File example: SEPA Salary payment SEQ++2' MOA+9:2:EUR' RFF+CR: ' PAI+87' FII+BF+EE EPBEEE2X:25:5+EE' NAD+BE+++EE BENEFICIARY 2+EE STREET+TALLIN+EE' FTX+PMD+++Salary' MOA+128:2' EDIFACT PAYMUL GlobalOn-Line Local payments Page 27 (83)

28 EXPRESS PAYMENT A message to the beneficiary could be entered with a maximum of 4x35 characters. example: Express payment This is a basic business example of an express payment. Implementation guide D005 Payment s, code 11 PAI = Urgent FII 3194 Account number, IBAN EE FII 3433 Beneficiary bank, BIC EPBEEE2X 16 FTX 4440 Message to beneficiary, max 4x35 characters INVOICE NO. 123 CUSTOMER NO. 21 File example: Express payment SEQ++2' MOA+9:2:EUR' RFF+CR: ' PAI+81' FII+BF+EE EPBEEE2X:25:5+EE' NAD+BE+++EE BENEFICIARY 2+EE STREET+TALLIN+EE' FTX+PMD+++INVOICE 123 CUSTOMER NO. 21' MOA+128:2' EDIFACT PAYMUL GlobalOn-Line Local payments Page 28 (83)

29 Finland Debit can be stated either as BBAN or IBAN. Beneficiary number must always be stated as an IBAN, 18 characters. Implementation guide financial institution s BIC is optional. In case the BIC is provided Credit servicing financial institution s element has to be populated as shown in below example SEPA CREDIT TRANSFER STRUCTURED It is mandatory to enter a reference. It could either be the local Finnish reference, max 20 digits, or the RF Creditor reference, max 25 digits. example; SEPA Credit Transfer Structured This is a basic business example of a SEPA Credit Transfer with reference. 12 FII 3194 Beneficiary, IBAN FI FII 3433 Beneficiary bank, BIC NDEAFIHH F004 Document type 17 DOC = Invoice 380 F003 Document number 17 DOC 1004 Local reference, max 20 digits or RF reference, max 25 digits RF File example: SEPA Credit Transfer with reference SEQ++1' MOA+9:1:EUR' RFF+CR: ' FII+BF+FI NDEAFIHH:25:5+FI' NAD+BE+++FI BENEFICIARY 1+MELKONKATU+HELSINKI FI' PRC+8' DOC ' MOA+77:1:EUR' MOA+128:1' EDIFACT PAYMUL GlobalOn-Line Local payments Page 29 (83)

30 SEPA CREDIT TRANSFER WITH MESSAGE A message to the beneficiary can be entered with a maximum of 4x35 characters. Tax payments should be done as a SEPA Credit Transfer with message. example: SEPA Credit Transfer with message This is a basic business example of a Giro payment with message. 12 FII 3194 Beneficiary, IBAN Implementation guide FI FII 3433 Beneficiary bank, BIC NDEAFIHH 16 FTX 4440 Message to beneficiary, max 4x35 characters INVOICE NO. 123 File example: SEPA Credit Transfer with message SEQ++2' MOA+9:2:EUR' RFF+CR: ' FII+BF+FI NDEAFIHH:25:5+FI' NAD+BE+++FI BENEFICIARY 2+MELKONKATU+HELSINKI FI' FTX+PMD+++INVOICE NO. 123' MOA+128:2' EDIFACT PAYMUL GlobalOn-Line Local payments Page 30 (83)

31 SEPA SALARY A message to the beneficiary can be entered with a maximum of 4x35 characters. A Finnish identity number shall not be given in this field. Implementation guide Notice that Requested execution date in the DTM segment will be the date when the ordering party s is debited and not the date when the beneficiaries is credited. example: Salary payment This is a basic business example of a salary payment. D005 Payment s, code 11 PAI = Salary FII 3194 Beneficiary, IBAN FI FII 3433 Beneficiary bank, BIC NDEAFIHH 16 FTX 4440 Message to beneficiary, max 4x35 characters (not a Finnish identity number). Salary File example: Salary payment SEQ++4' MOA+9:4:EUR' RFF+CR: ' PAI+87' FII+BF+FI NDEAFIHH:25:5+FI' NAD+BE+++FI BENEFICIARY 4+MELKONKATU+HELSINKI FI' PRC+8' FTX+PMD+++Salary' MOA+128:4' EDIFACT PAYMUL GlobalOn-Line Local payments Page 31 (83)

32 FINANCIAL OR URGENT PAYMENT (ILGIRO) A message to the beneficiary can be entered in the FTX segment with maximum of 2 X 35 characters. example: Financial payment (Ilgiro/Urgent payment) This is a basic business example of an Ilgiro (financial or urgent payment). D005 Payment s, code 11 PAI 4439 Payment code YW6 = Financial payment YW6 12 FII 3194 Beneficiary, IBAN FI FII 3433 Beneficiary bank, BIC HANDFIHH 16 FTX 4440 Message to the beneficiary, max 2x35 characters FX DEAL ref 782 File example: Financial payment (Ilgiro/Urgent payment) SEQ++5' MOA+9:5:EUR' RFF+CR: ' PAI+YW6' FII+BF+FI HANDFIHH:25:5+FI' NAD+BE+++FI BENEFICIARY 5+MELKONKATU+HELSINKI FI' FTX+PMD+++FX DEAL ref 782' EDIFACT PAYMUL GlobalOn-Line Local payments Page 32 (83)

33 France Debit can be stated either as BBAN or IBAN. Beneficiary number must always be stated as an IBAN, 27 characters. Implementation guide financial institution s BIC is optional. In case the BIC is provided Credit servicing financial institution s element has to be populated as shown in below example SEPA CREDIT TRANSFER A message to the beneficiary can be entered with a maximum of 4x35 characters. example: SEPA credit transfer This is a basic business example of an SEPA credit transfer. 12 FII 3194 Beneficiary, IBAN FR FII 3433 Beneficiary bank, BIC PSSTFRPP 16 FTX 4440 Message to the beneficiary, max 4x35 characters INVOICE 123 File example: SEPA credit transfer SEQ++1' MOA+9:1:EUR' RFF+CR: ' FII+BF+FR PSSTFRPP:25:5+FR' NAD+BE+++FR BENEFICIARY 1+FR STREET+PARIS++FR' FTX+PMD+++INVOICE 123' EDIFACT PAYMUL GlobalOn-Line Local payments Page 33 (83)

34 SEPA CREDIT TRANSFER STRUCTURED It is mandatory to enter a RF Creditor reference, max 25 characters to the beneficiary. example: SEPA credit transfer structured This is a basic business example of an SEPA credit transfer structured. 12 FII 3194 Beneficiary, IBAN Implementation guide FR FII 3433 Beneficiary bank, BIC PSSTFRPP F003 Document number 17 DOC 1004 RF reference, max 25 digits RF File example: SEPA credit transfer structured SEQ++1' MOA+9:1:EUR' RFF+CR: ' FII+BF+FR PSSTFRPP:25:5+FR' NAD+BE+++FR BENEFICIARY 1+FR STREET+PARIS++FR' DOC+380+RF ' MOA+77:1:EUR' MOA+128:1' EDIFACT PAYMUL GlobalOn-Line Local payments Page 34 (83)

35 SEPA SALARY An unstructured message to the beneficiary can be entered with a maximum of 4x35 characters. example: Salary payment This is a basic business example of a salary payment. D005 Payment s, code 11 PAI = Salary FII 3194 Beneficiary, IBAN FR FII 3433 Beneficiary bank, BIC PSSTFRPP 16 FTX 4440 Message to beneficiary, max 4x35 characters Salary File example: Salary payment SEQ++1' MOA+9:1:EUR' RFF+CR: ' PAI+87' FII+BF+FR PSSTFRPP:25:5+FR' NAD+BE+++FR BENEFICIARY 1+FR STREET+PARIS++FR' FTX+PMD+++Salary' MOA+128:1' EDIFACT PAYMUL GlobalOn-Line Local payments Page 35 (83)

36 Germany Debit can be stated either as BBAN or IBAN. Implementation guide For SEPA Credit transfer, SEPA Credit Transfer Structured and SEPA Salary beneficiary number must be stated as an IBAN, 22 characters. financial institution s BIC is optional. In case the BIC is provided Credit servicing financial institution s element has to be populated as shown in below example For Financial payment, beneficiary number can be stated as IBAN or BBAN SEPA CREDIT TRANSFER A message to the beneficiary can be entered with a maximum of 4x35 characters. example: SEPA credit transfer This is a basic business example of an SEPA credit transfer. 12 FII 3194 Beneficiary, IBAN DE FII 3433 Beneficiary bank, BIC PBNKDEFF 16 FTX 4440 Message to beneficiary, max 4x35 characters INVOICE 123 File example: SEPA credit transfer SEQ++1' MOA+9:1:EUR' RFF+CR: ' FII+BF+DE PBNKDEFF:25:5+DE' NAD+BE+++DE BENEFICIARY 1+GROSSE STRASSE+HAMBURG++DE' FTX+PMD+++INVOICE 123' EDIFACT PAYMUL GlobalOn-Line Local payments Page 36 (83)

37 SEPA CREDIT TRANSFER STRUCTURED It is mandatory to enter a RF Creditor reference, max 25 characters to the beneficiary. example: SEPA credit transfer structured This is a basic business example of an SEPA credit transfer structured. 12 FII 3194 Beneficiary, IBAN Implementation guide DE FII 3433 Beneficiary bank, BIC PBNKDEFF F003 Document number 17 DOC 1004 RF reference, max 25 digits RF File example: SEPA credit transfer structured SEQ++1' MOA+9:1:EUR' RFF+CR: ' FII+BF+DE PBNKDEFF:25:5+DE' NAD+BE+++DE BENEFICIARY 1+GROSSE STRASSE+HAMBURG++DE' DOC+380+RF ' MOA+77:1:EUR' MOA+128:1' EDIFACT PAYMUL GlobalOn-Line Local payments Page 37 (83)

38 SEPA SALARY A message to the beneficiary can be entered with a maximum of 4x35 characters. example: Salary payment This is a basic business example of a salary payment. D005 Payment s, code 11 PAI = Salary 87 Implementation guide 12 FII 3194 Beneficiary, IBAN DE FII 3433 Beneficiary bank, BIC PBNKDEFF 16 FTX 4440 Message to beneficiary, max 4x35 characters Salary File example: Salary payment SEQ++1' MOA+9:1:EUR' RFF+CR: ' PAI+87' FII+BF+DE PBNKDEFF:25:5+DE' NAD+BE+++DE BENEFICIARY 1+GROSSE STRASSE+HAMBURG++DE' FTX+PMD+++Salary' MOA+128:1' EDIFACT PAYMUL GlobalOn-Line Local payments Page 38 (83)

39 FINANCIAL PAYMENT Beneficiary number can be stated as IBAN or BBAN. Implementation guide Please note that a message to the beneficiary can be entered in the FTX segment with a maximum of 4x27 characters. example: Financial payment This is a basic business example of a financial payment. D005 Payment s, code 11 PAI 4439 Payment code YW6 = Financial payment YW6 12 FII 3194 Beneficiary, BBAN FII 3433 Beneficiary bank, BIC HANDDEFF 16 FTX 4440 Message to beneficiary, max 4x27 characters FX DEAL File example: Financial payment SEQ++3' MOA+9:1:EUR' RFF+CR: ' PAI+YW6' FII+BF HANDDEFF:25:5+DE' NAD+BE+++DE BENEFICIARY 3+GROSSE STRASSE+HAMBURG++DE' FTX+PMD+++FX DEAL' MOA+128:3' EDIFACT PAYMUL GlobalOn-Line Local payments Page 39 (83)

40 Great Britain Debit can be stated either as BBAN or IBAN. A Sort Code consisting of 6 digits is mandatory for all payments. The code corresponds to the clearing number, and is used to identify the correct bank. Note that SC must be entered before the Sort Code BACS PAYMENT The beneficiary number must be entered with 1-8 characters Beneficiary name can only be entered with a maximum of 18 characters when making a BACS payment. A reference is mandatory, can be stated either in the DOC or FTX segment, maximum of 18 characters. example: BACS payment This is a basic business example of a BACS payment. 12 FII 3194 Beneficiary, 1-8 characters C066 financial institution, institution branch number 12 FII 3434 Sort Code, 6 digits, starting with SC SC C107 Institution branch number type, code 12 FII = clearing code 154 C108 Institution branch number 12 FII = GB, Association for Payment clearing services 133 F004 Document type 17 DOC = Invoice 380 F003 Document number 17 DOC 1004 Reference, max 18 characters* INVOICE 123 * The reference can be entered either in DOC or FTX. File example: BACS payment SEQ++1' MOA+9:1:GBP' RFF+CR: ' FII+BF :::SC334455:154:133+GB' NAD+BE+++GB BENEFICIARY 1+THE STREET+LONDON++GB' PRC+8' DOC+380+INVOICE 123' MOA+77:1:GBP' MOA+128:1' EDIFACT PAYMUL GlobalOn-Line Local payments Page 40 (83)

41 CHAPS PAYMENT (URGENT GBP) The beneficiary number must be entered with 1-34 characters. Implementation guide A message to the beneficiary is optional, to be entered in the FTX segment with a maximum of 4x35 characters. example: CHAPS payment This is a basic business example of a CHAPS payment. D005 Payment s, code 11 PAI = Express/urgent payment FII 3194 Beneficiary, 1-34 characters C066 financial institution, institution branch number 12 FII 3434 Sort Code, 6 digits, starting with SC SC C107 Institution branch number type, code 12 FII = clearing code 154 C108 Institution branch number 12 FII = GB, Association for Payment clearing services FTX 4440 Message to beneficiary, max 4x35 characters INVOICE 123 File example: CHAPS payment SEQ++2' MOA+9:2:GBP' RFF+CR: ' PAI+81' FII+BF :::SC334455:154:133+GB' NAD+BE+++GB BENEFICIARY 2+THE STREET+LONDON++GB' FTX+PMD+++INVOICE 123' MOA+128:2' EDIFACT PAYMUL GlobalOn-Line Local payments Page 41 (83)

42 CHEQUE PAYMENT It is mandatory to enter the beneficiary s full name and address if the payment is made via cheque. A message to the beneficiary can be entered in the FTX segment with a maximum of 4x35 characters. example: Cheque payment This is a basic business example of a cheque payment. D005 Payment s, code 11 PAI = Cheque 83 C035 Beneficiary s name 13 NAD 3036 Beneficiary name BENEFICIARY LTD C036 Beneficiary s box/street address 13 NAD 3042 Beneficiary street address 9 THOMAS MORE STREET C038 Beneficiary's postal address 13 NAD 3164 Beneficiary postal address LONDON C037 Beneficiary s postcode 13 NAD 3251 Beneficiary postcode E1W1GE C039 Beneficiary's country code 13 NAD 3207 Beneficiary country code GB 16 FTX 4440 Message to beneficiary, max 4x35 characters INVOICE 123 File example: Cheque payment SEQ++3' MOA+9:3:GBP' RFF+CR: ' PAI+83' FII+BF' NAD+BE+++BENEFICIARY LTD+9 THOMAS MORE STREET+LONDON++E1W1GE+GB' FTX+PMD+++INVOICE 123' MOA+128:3' EDIFACT PAYMUL GlobalOn-Line Local payments Page 42 (83)

43 Hong Kong Debit must be stated as BBAN ACCOUNT PAYMENT The beneficiary number must be entered as BBAN, 1-31 digits. A BIC, to identify the correct beneficiary bank, is mandatory. A message to the beneficiary can be entered in the FTX segment with a maximum of 4x35 characters. example: Account payment This is a basic business example of an payment. 12 FII 3194 Beneficiary, BBAN FII 3433 Beneficiary bank, BIC STCAHKH1 16 FTX 4440 Message to beneficiary, max 4x35 characters INVOICE 123 File example: Account payment SEQ++1' MOA+9:1:HKD' RFF+CR: ' FII+BF STCAHKH1:25:5+HK' NAD+BE+++HK BENEFICIARY 1+HK STREET+HONG KONG++HK' FTX+PMD+++INVOICE 123' MOA+128:1' EDIFACT PAYMUL GlobalOn-Line Local payments Page 43 (83)

44 CHEQUE PAYMENT It is mandatory to enter the beneficiary s full name and address if the payment is made via cheque. A message to the beneficiary can be entered in the FTX segment with a maximum of 4x35 characters. example: Cheque payment This is a basic business example of a cheque payment. D005 Payment s, code 11 PAI = Cheque 83 C035 Beneficiary s name 13 NAD 3036 Beneficiary name BENEFICIARY LTD C036 Beneficiary s box/street address 13 NAD 3042 Beneficiary street address 2008 HUTCHINSON HOUSE CENTRAL C038 Beneficiary's postal address 13 NAD 3164 Beneficiary postal address HONG KONG C037 Beneficiary s postcode 13 NAD 3251 Beneficiary postcode C039 Beneficiary's country code 13 NAD 3207 Beneficiary country code HK 16 FTX 4440 Message to beneficiary, max 4x35 characters INVOICE 123 File example: Cheque payment SEQ++2' MOA+9:1:HKD' RFF+CR: ' PAI+83' FII+BF' NAD+BE+++BENEFICIARY LTD+2008 HUTCHINSON HOUSE CENTRAL+HONG KONG HK' FTX+PMD+++INVOICE 123' MOA+128:2' EDIFACT PAYMUL GlobalOn-Line Local payments Page 44 (83)

45 Latvia Debtor should be entered as IBAN. The beneficiary number must be stated as an IBAN, 21 characters. Beneficiary s country code is mandatory for all payments. Implementation guide financial institution s BIC is optional. In case the BIC is provided Credit servicing financial institution s element has to be populated as shown in below example A central bank code must be entered for all payments when the payment exceeds a counter value in EUR stipulated by the Bank of Latvia. For more information and a complete list of payment codes, please see of_external_payment_codes/$file/latbanklistextpaycod.pdf It is the customer's responsibility to ensure that the instructions are followed on every payment. The reporting must be according to the rules in Latvia, where the debit is held. SG 15 RCS Requirements and conditions In segment group 15, segment RCS, data element 7295, business D008, Payment/Currency register/central bank code is stated. RCS :71:265' D008 Payment code/ Currency register code/ Central bank code 15 RCS 7295 Entered when reporting will be done, regardless of where the debit is located Used according to the rules of the Central bank or similar where the debit is held. 111 EDIFACT PAYMUL GlobalOn-Line Local payments Page 45 (83)

46 SEPA CREDIT TRANSFER A message to the beneficiary can be entered in the FTX segment with a maximum of 4x35 characters. example: SEPA credit transfer This is a basic business example of an SEPA credit transfer structured. 12 FII 3194 Beneficiary, IBAN LV44HAND FII 3433 Beneficiary bank, BIC HANDLV22 D008 Payment code/ Currency register code/ Central bank code 15 RCS 7295 Entered when reporting will be done. Used according to the rules of the Central bank or similar where the debit is held FTX 4440 Message to beneficiary, max 4x35 characters INVOICE 123 File example: SEPA credit transfer SEQ++1' MOA+9:1:EUR' RFF+CR: ' FII+BF+LV44HAND HANDLV22:25:5+LV' NAD+BE+++LV BENEFICIARY 1+EE STREET+RIGA+++LV' GIS+10' RCS :71:265' FTX+PMD+++INVOICE 123' MOA+128:1' EDIFACT PAYMUL GlobalOn-Line Local payments Page 46 (83)

47 SEPA CREDIT TRANSFER STRUCTURED It is mandatory to enter a RF Creditor reference, max 25 characters to the beneficiary. example: SEPA credit transfer structured This is a basic business example of an SEPA credit transfer. 12 FII 3194 Beneficiary, IBAN LV44HAND FII 3433 Beneficiary bank, BIC HANDLV22 D008 Payment code/ Currency register code/ Central bank code 15 RCS 7295 Entered when reporting will be done. Used according to the rules of the Central bank or similar where the debit is held. F003 Document number 17 DOC 1004 RF reference, max 25 digits 111 RF File example: SEPA credit transfer structured SEQ++1' MOA+9:1:EUR' RFF+CR: ' FII+BF+LV44HAND HANDLV22:25:5+LV' NAD+BE+++LV BENEFICIARY 1+EE STREET+RIGA+++LV' GIS+10' RCS :71:265' PRC+8' DOC+380+RF ' MOA+77:1:EUR' MOA+128:1' EDIFACT PAYMUL GlobalOn-Line Local payments Page 47 (83)