Implementation guide Local payments and transfers in Sweden

Implementation guide Local payments and transfers in Sweden in SEK and other currencies Edifact format Paymul EDIFACT PAYMUL 1 (20) October 2016

Contents TO BANK GIRO, PLUSGIRO AND CASH PAYMENT VIA BANK GIRO... 4 DEPOSIT TO ACCOUNT WITH HANDELSBANKEN OR TO ANOTHER SWEDISH BANK... 10 COUNTRY SPECIFIC INFORMATION... 16 Sweden... 16 Debit account for giro payments and cash payments... 16 Credit account for giro payment... 16 Cash payments... 17 Debit account for deposit to account... 17 Credit account for deposit to account... 18 EXAMPLE... 19 EDIFACT PAYMUL 2 (20) October 2016

Introduction s format description for PAYMUL describes exactly which information must be included in a message in EDIFACT standard to. The description is specific to s services and routines and must be used only when working with. The format description provides information about local Swedish payments charged to an account with. The description is based on the application regulations produced by the Swedish banks within the framework of the Bankers Association. These application regulations are available in the Bankers Association s Manual on http://www.bankforeningen.se/. There the business transaction payment orders regarding information content and structure are described along with directions for how the information should be placed in an EDIFACT message PAYMUL from the directory version D96.A.rev 2003-04-15. To understand this format description, it must therefore be used in parallel with Bankers Association s application regulations. The implementation instructions describe the information content sorted in numerical order for the business s included in the business transaction payment orders in the Bankers Association s documentation. Beside each business there is also a reference to the current data element in the EDIFACT message PAYMUL. 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 PAYMUL message for implementation in the company s system. The structure and character sets of the Edifact message are described in the Bankers Association s Service Segments. uses the ISO 8859-1:1987 character set for the syntax. EDIFACT PAYMUL 3 (20) October 2016

Implementation guidelines To bankgiro, PlusGiro and cash payment via bankgiro Payments to bankgiro, Plusgiro and cash payments can only be executed in SEK. PAYMUL Payments A001 number BGM 1004 Unique number identifying payment order 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 A027 Message function BGM 1225 9 = Original A029 A039 Previous payment order, number Customer to customer payment reference 1 RFF 1154 Not used 11 RFF 1154 Not used B001 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 Exchange rate date 5 DTM 2380 Not used B019 Contract, date 5 DTM 2380 Not used B028 C001 Previous payment order, date Ordering customer s customer number 1 DTM 2380 Not used 13 NAD 3039 Not used C002 Ordering customer s name 13 NAD 3036 Not used C003 C004 C005 Ordering customer s box/street address Ordering customer s post Ordering customer s postal address 13 NAD 3042 Not used 13 NAD 3251 Not used 13 NAD 3164 Not used EDIFACT PAYMUL 4 (20) October 2016

C006 Ordering customer s country PAYMUL Payments 13 NAD 3207 Not used C008 Debit account 6 FII 3194 Bank giro number to be debited C016 Debit account holder s identification 6 FII 3192 Debit account holder s customer = organisation number C017 Payor s name 13 NAD 3036 Not used C018 Payor s address 13 NAD 3042 Not used C019 Payor s post 13 NAD 3251 Not used C020 Payor s mailing address 13 NAD 3164 Not used C021 Payor s country 13 NAD 3207 Not used C022 C027 C028 C031 Payor s province/country/state Debit account holding bank, branch number Debit account servicing bank, SWIFT address Inediary bank, SWIFT address 13 NAD 3229 Not used 6 FII 3434 9900 = BGC (Bankgirocentralen) 6 FII 3433 Not used 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 box/street address C037 Beneficiary s post 13 NAD 3251 Beneficiary s post C038 Beneficiary's postal address 13 NAD 3164 Beneficiary's postal address C039 Beneficiary's country 13 NAD 3207 Beneficiary's country C040 Credit account 12 FII 3194 Beneficiary s bank giro number, PlusGiro number C043 Beneficiary s contact person or department 13 CTA 3412 Not used C044 Beneficiary s telephone no. 13 COM 3148 Not used C045 Beneficiary s telefax number 13 COM 3148 Not used C046 Beneficiary s telex number 13 COM 3148 Not used C047 Beneficiary s e-mail address 13 COM 3148 Not used EDIFACT PAYMUL 5 (20) October 2016

C048 Beneficiary s institution branch number PAYMUL Payments 12 FII 3434 Not used C049 C050 C050 C051 C051 Beneficiary s financial institution, SWIFT address Charge account, account number Charge account, account number Charge account, institution branch number Charge account, institution branch number 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 14 INP 3301 Not used C053 Recipient of advice 1 14 INP 3285 Not used C054 Advice method 1, 14 INP 4401 Not used C055 Party enacting advice 2, 14 INP 3301 Not used C056 Recipient of advice 2 14 INP 3285 Not used C057 Advice method 2, 14 INP 4401 Not used C058 Payee s identification number 13 NAD 3039 Not used C059 Order sender, identification 3 NAD 3039 Not used C060 Order recipient, identification 2 FII 3433 Not used C066 C067 C068 C069 Credit account-servicing financial institution, institution branch number Credit account servicing institution, SWIFT address Account servicing financial institution, name Account servicing financial institution, town 12 FII 3434 Clearing no. 12 FII 3433 Not used 12 FII 3432 Not used 12 FII 3436 Not used 9900 = Bank giro deposit 9500 = PlusGiro deposit Cash payment = 9900 and can only be used in combination with Sg 11 PAI D006 C070 Payee s name 13 NAD 3036 Not used EDIFACT PAYMUL 6 (20) October 2016

PAYMUL Payments C071 Payee s box/street address 13 NAD 3042 Not used C072 Payee s post. 13 NAD 3251 Not used C073 Payee s postal address 13 NAD 3251 Not used C074 Payee s country 13 NAD 3207 Not used C075 Payee s province/country/state 13 NAD 3229 Not used C080 Party enacting advice 3, 14 INP 3301 Not used C081 Recipient of advice 3, 14 INP 3285 Not used C082 Advice method 3, 14 INP 4401 Not used C083 C085 C086 C087 C089 C107 C107 C108 C108 C122 C134 Beneficiary s province/country/state Advice information 1, free text Advice information 2, free text Advice information 3, free text Ordering customer s province/country/state type, type, type, list responsible agency type, list responsible agency Account servicing financial institution, country Ordering customer s financial institution, country 13 NAD 3229 Not used 14 FTX 4440 Not used 14 FTX 4440 Not used 14 FTX 4440 Not used 13 NAD 3229 Not used 6 FII 1131 157 = clearing SE 12 FII 1131 157 = clearing SE 6 FII 3055 118 = SE, Swedish Bankers Association 12 FII 3055 118 = SE, Swedish Bankers Association 12 FII 3207 Account servicing financial institution, country 6 FII 3207 Ordering customer s financial institution, country D001 Geographic environment 4 BUS 3279 DO = domestic D002 Payment type, 4 BUS 4487 Not used D003 Intra-group payment, 4 BUS 4463 Not used EDIFACT PAYMUL 7 (20) October 2016

PAYMUL Payments D004 Contract number 5 RFF 1154 Not used D005 Payment s, 11 PAI 4439 Not used D006 Payment method, 11 PAI 4461 23 = cash payment D007 Charge allocation 11 FCA 4471 Not used D008 Central bank 15 RCS 7295 Not used D020 Underlying business type, 4 BUS 4025 Not used D021 Payment channel, 11 PAI 4435 Not used D022 D024 Payment reference, contents and format Generic charges allocation, 16 PRC 7187 8 = Payment reference only in structured form (DOC) 11 = Payment reference only in unstructured form (FTX) 4 FCA 4471 Not used E001 Payment amount 11 MOA 5004 Monetary amount E002 Payment currency 5 MOA 6345 Payment currency, ISO SEK E002 Payment currency 11 MOA 6345 Payment currency, ISO SEK 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 Payment amount (MOA 5004 Sg11) 5 MOA 5004 Not used E049 Account currency 4 FCA 6345 Not used E049 Account currency 6 FII 6345 Debit account currency, ISO SEK E049 Account currency 11 FCA 6345 Not used E049 Account currency 12 FII 6345 Credit account currency, ISO SEK EDIFACT PAYMUL 8 (20) October 2016

PAYMUL Payments 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 E054 Payment amount as equivalent amount 11 MOA 5004 Not used F001 Control amount 23 MOA 5004 Total of all F007 Document amount (MOA 5004 Sg 17) F003 Document number 17 DOC 1004 Reference number e g OCR no., Invoice number Max 25 characters F004 Document type 17 DOC 1001 380 = Invoice 381 = Credit note 322 = OCR 420 = OCR credit advice F005 Document date 17 DTM 2380 Not used F006 Document date, format 17 DTM 2379 Not used F007 Document amount 17 MOA 5004 Invoice amount F008 Document currency 17 MOA 6345 Currency for invoice amount F009 Amount type, 17 MOA 5025 77 = Invoice amount F010 Other reference number 17 RFF 1154 Any additional reference F010 Other reference number 19 FTX 4440 Not used F011 Type of reference number 17 RFF 1153 ABO = Ordering customer s ref ACD = Additional reference F011 Type of reference number 19 FTX 4441 Not used F012 F012 Reference information, free text Reference information, free text 10 FTX 4440 Not used 16 FTX 4440 Unstructured reference information, free text F013 Text, language 10 FTX 3453 Not used F013 Text, language 14 FTX 3453 Not used F013 Text, language 16 FTX 3453 Not used EDIFACT PAYMUL 9 (20) October 2016

Deposit to account with or to another Swedish bank At deposits in SEK and other currencies can be made without conversion. To another Swedish bank, only SEK deposits to accounts. For other currencies, to other Swedish banks or transfer with currency conversion see Format description cross border payments. PAYMUL Payments A001 number BGM 1004 Unique number identifying payment order Max 15 characters A017 A018 A025 Debit order reference, verification number Customer reference number, verification number Reference to remittance advice, verification number 4 RFF 1154 Unique reference for the debit transaction 11 RFF 1154 Unique reference for the credit transaction 11 RFF 1154 Not used A027 Message function BGM 1225 9 = Original A029 A039 Previous payment order, number Customer to customer reference, number 1 RFF 1154 Not used 11 RFF 1154 Not used B001, 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 Exchange rate date 5 DTM 2380 Not used B019 Contract, date 5 DTM 2380 Not used B028 C001 Previous payment order, date Ordering customer s customer number 1 DTM 2380 Not used 13 NAD 3039 Not used C002 Ordering customer s name 13 NAD 3036 Not used C003 C004 C005 Ordering customer s box/street address Ordering customer s post Ordering customer s postal address 13 NAD 3042 Not used 13 NAD 3251 Not used 13 NAD 3164 Not used EDIFACT PAYMUL 10 (20) October 2016

C006 Ordering customer s country PAYMUL Payments 13 NAD 3207 Not used C008 Debit account 6 FII 3194 Account to be debited C016 Debit account holder s identification 6 FII 3192 Debit account holder s customer number = organisation number C017 Payor s name 13 NAD 3036 Not used C018 Payor s address 13 NAD 3042 Not used C019 Payor s post 13 NAD 3251 Not used C020 Payor s postal address 13 NAD 3164 Not used C021 Payor s country 13 NAD 3207 Not used C022 C027 C028 C031 C034 Payor s province/country/state Debit account holding bank, branch number Debit account servicing financial institution, SWIFT address Inediary bank, SWIFT address The beneficiary s identification 13 NAD 3229 Not used 6 FII 3434 Clearing number for debit account 6 FII 3433 Not used 12 FII 3433 Not used 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 box/street address C037 The beneficiary s post 13 NAD 3251 The beneficiary s post C038 Beneficiary's postal address 13 NAD 3164 Beneficiary's postal address C039 Beneficiary's country 13 NAD 3207 Beneficiary's country C040 Credit account 12 FII 3194 Beneficiary s account number C043 Beneficiary s contact person or department 13 CTA 3412 Not used C044 Beneficiary s telephone no. 13 COM 3148 Not used C045 Beneficiary s telefax number 13 COM 3148 Not used C046 Beneficiary s telex number 13 COM 3148 Not used C047 Beneficiary s e-mail address 13 COM 3148 Not used EDIFACT PAYMUL 11 (20) October 2016

C048 Beneficiary s institution branch number PAYMUL Payments 12 FII 3434 Not used C049 C050 C050 C051 C051 Beneficiary s financial institution, SWIFT address Charge account, account number Charge account, account number Charge account, institution branch number Charge account, institution branch number 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, 14 INP 3301 YC7= ordered bank C053 Recipient of advice 1, 14 INP 3285 11 = beneficiary (in case of advice) C054 Advice method 1, 14 INP 4401 AD = advice (in case of advice) 1 C055 Party enacting advice 2, 14 INP 3301 Not used C056 Recipient of advice 2, 14 INP 3285 Not used C057 Advice method 2, 14 INP 4401 Not used C058 Payee s identification 13 NAD 3039 Not used C059 Order sender, identification 3 NAD 3039 Not used C060 Order recipient, identification 2 FII 3433 Not used C066 C067 C068 C069 Credit account servicing financial institution, institution branch number Credit account servicing financial institution, SWIFT address Account servicing financial institution, name Account servicing financial institution, town 12 FII 3434 Clearing number beneficiary account 12 FII 3433 Not used 12 FII 3432 Not used 12 FII 3436 Not used C070 Payee s name 13 NAD 3036 Not used 1 Separate advices are charged, fee according to the applicable price list EDIFACT PAYMUL 12 (20) October 2016

PAYMUL Payments C071 Payee s box/street address 13 NAD 3042 Not used C072 Payee s post 13 NAD 3251 Not used C073 Payee s postal address 13 NAD 3251 Not used C074 Payee s country 13 NAD 3207 Not used C075 Payee s province/country/state 13 NAD 3229 Not used C080 Party enacting advice 3, 14 INP 3301 Not used C081 Recipient of advice 3, 14 INP 3285 Not used C082 Advice method 3, 14 INP 4401 Not used C083 C085 C086 C087 C089 C107 C107 C108 C108 C122 C134 Beneficiary s province/country/state Advice information 1, free text Advice information 2, free text Advice information 3, free text Ordering customer s province/country/state type, type, type, list responsible agency type, list responsible agency Account servicing financial institution, country Ordering customer s financial institution, country 13 NAD 3229 Not used 14 FTX 4440 Not used 14 FTX 4440 Not used 14 FTX 4440 Not used 13 NAD 3229 Not used 6 FII 1131 157 = clearing SE 12 FII 1131 157 = clearing SE 6 FII 3055 118 = SE, Swedish Bankers Association 12 FII 3055 118 = SE, Swedish Bankers Association 12 FII 3207 Account servicing financial institution, country 6 FII 3207 Ordering customer s financial institution, country D001 Geographic environment 4 BUS 3279 DO = domestic D002 Payment type, 4 BUS 4487 Not used D003 Intra-group payment, 4 BUS 4463 Not used EDIFACT PAYMUL 13 (20) October 2016

PAYMUL Payments D004 Contract number 5 RFF 1154 Not used D005 Payment s, 11 PAI 4439 Not used D006 Payment method, 11 PAI 4461 Not used D007 Charge allocation 11 FCA 4471 Not used D008 Central bank 15 RCS 7295 Not used D020 Underlying business type, 4 BUS 4025 Not used D021 Payment channel, 11 PAI 4435 Not used D022 D024 Payment reference, contents and form Generic charges allocation, 16 PRC 7187 11 = Payment reference only in unstructured form (FTX) 4 FCA 4471 Not used E001 Payment amount 11 MOA 5004 Monetary amount E002 Payment currency 5 MOA 6345 Payment currency, ISO SEK E002 Payment currency 11 MOA 6345 Payment currency, ISO SEK 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 Payment amount (MOA 5004 Sg11) 5 MOA 5004 Not used E049 Account currency 4 FCA 6345 Not used E049 Account currency 6 FII 6345 Debit account currency, ISO SEK E049 Account currency 11 FCA 6345 Not used E049 Account currency 12 FII 6345 Credit account currency, ISO SEK E050 Debit currency 5 CUX 6345 Not used EDIFACT PAYMUL 14 (20) October 2016

PAYMUL Payments E051 Credit currency 5 CUX 6345 Not used E052 Exchange rate, base 5 CUX 6348 Not used E054 Payment amount as equivalent amount 11 MOA 5004 Not used F001 Control amount 23 MOA 5004 Total of all F007 Document amount (MOA 5004 Sg 17) F003 Document number 17 DOC 1004 Not used F004 Document type 17 DOC 1001 Not used F005 Document date 17 DTM 2380 Not used F006 Document date, format 17 DTM 2379 Not used F007 Document amount 17 MOA 5004 Invoice amount F008 Document currency 17 MOA 6345 Currency for invoice amount F009 Amount type, 17 MOA 5025 77 = Invoice amount F010 Other reference number 17 RFF 1154 Any additional reference F010 Other reference number 19 FTX 4440 Not used F011 Type of reference number 17 RFF 1153 ABO = Ordering customer s ref ACD = Additional reference F011 Type of reference number 19 FTX 4441 Not used F012 F012 Reference information, free text Reference information, free text 10 FTX 4440 Not used 16 FTX 4440 Unstructured reference information, free text F013 Text, language 10 FTX 3453 Not used F013 Text, language 14 FTX 3453 Not used F013 Text, language 16 FTX 3453 Not used Shown on the account statement for deposit to Max 14 charactersdeposit to other Swedish bank Max 12 characters For advice (Sg 14 INP 3285 C053) max 60 characters can be entered 2 2 Separate advices are charged, fee according to the applicable price list EDIFACT PAYMUL 15 (20) October 2016

Country specific information Sweden For giro payments a bank giro number or a PlusGiro number is used. Giro numbers consists of 7 8 digits Debit account for giro payments and cash payments Busines s PAYMUL Description Example C008 Debit account 6 FII 3194 Bank giro number 12345678 C027 Debit account servicing financial institution, institution branch number 6 FII 3434 Bank giro clearing number 4 digits 9900 C107 type, 6 FII 1131 Clearing SE 157 C108 Branch number type, list responsible agency 6 FII 3055 SE, Swedish Bankers Association 118 Credit account for giro payment Busines s PAYMUL Description Example C040 Credit account 12 FII 3194 Bank giro/plusgiro number 12345678 C066 Credit account servicing financial institution, institution branch number 12 FII 3434 Clearing number 4 digits: BG PG 9900 9500 C107 type, 12 FII 1131 Clearing SE 157 C108 type, list responsible agency 12 FII 3055 SE, Swedish Bankers Association 118 D022 Payment reference, type 16 PRC 7187 Structured reference DOC 8 F004 Document type 17 DOC 1001 OCR 322 F003 Document number 17 DOC 1004 OCR reference 310000021423 EDIFACT PAYMUL 16 (20) October 2016

Cash payments Busines s PAYMUL Description Example D006 Payment method, 11 PAI 4461 Cash payments 23 C066 Credit account servicing financial institution, institution branch number 12 FII 3434 Clearing number 4 digits BG, cash payment 9900 C107 type, 12 FII 1131 Clearing SE 157 C108 type, list responsible agency 12 FII 3055 SE, Swedish Bankers Association 118 D022 Payment reference, type 16 PRC 7187 Unstructured reference FTX 11 F012 Reference information, free text 16 FTX 4440 Unstructured reference information, free text Return duplicate payment of the July fee Debit account for deposit to account Account numbers at Sweden consists of 8 9 digits The Busines s PAYMUL Description Example C008 Debit account 6 FII 3194 Account number to be debited 123456789 C027 Debit account servicing financial institution, institution branch number 6 FII 3434 Clearing number for the debit account 4 digits 6153 C107 type, 6 FII 1131 Clearing SE 157 C108 Branch number type, list responsible agency 6 FII 3055 SE, Swedish Bankers Association 118 EDIFACT PAYMUL 17 (20) October 2016

Credit account for deposit to account For deposits to accounts, one account number is used for beneficiaries at or to beneficiaries at another Swedish bank. The beneficiary s account number can be stated as: Account number 2-10 digits excluding clearing number Account number 11 digits including account number Both must be combined with Sg 12 FII C066 Busines s PAYMUL Description Example C040 Credit account 12 FII 3194 Beneficiary s account number 456123789 C066 C107 Credit account servicing financial institution, institution branch number type, 12 FII 3434 Clearing number 4 digits 6153 12 FII 1131 Clearing SE 157 C108 type, list responsible agency 12 FII 3055 SE, Swedish Bankers Association 118 D022 Payment reference, type 16 PRC 7187 Unstructured reference FTX 11 F012 Reference information, free text 16 FTX 4440 Unstructured reference information, free text From Lisa Deposit to account with: max 14 characters Another Swedish bank Max 12 characters EDIFACT PAYMUL 18 (20) October 2016

Example LIN1 SEQ1 Shows a bank giro payment to bank giro number 12345678. It includes a debit note and a credit note. LIN1 SEQ2 Shows a plusgiro payment to plusgiro number 12345678. LIN1 SEQ3 Shows a cash payment to Cash payment plc. LIN2 SEQ1 Shows a deposit to account with advice to an SEB account 53001234567. LIN3 SEQ1 Shows a transfer in foreign currency between accounts at UNH+0602+PAYMUL:D:96A:UN:SF4611' BGM+452+100020051213+9' DTM+137:20060223:102' LIN+1' DTM+203:20061226:102' RFF+AEK:1000000301010' BUS++DO' MOA+9:10:SEK' FII+OR+58761149:3321251633::SEK+:::9900:157:118' SEQ++1' MOA+9:10.00:SEK' RFF+CR:0602230000000001122334' FII+BF+12345678+:::9900:157:118' NAD+BE+++Bankgiro AB+BOX 1234+MALMÖ++200 00+SE' PRC+8' DOC+380+1001164444' MOA+77:12.50:SEK' DTM+137:20060109:102' DOC+381+1001174444' MOA+77:2.50:SEK' DTM+137:20060220:102' GIS+37' MOA+128:10.00:SEK' SEQ++2' MOA+9:10.00:SEK' RFF+CR:0602230000000001122335' FII+BF+12345678+:::9500:157:118' NAD+BE+++PlusGiro AB+BOX 1234+MALMÖ++200 00+SE' PRC+8' DOC+380+2331144444' MOA+77:10.00:SEK' DTM+137:20060118:102' GIS+37' MOA+128:10.00:SEK' SEQ++3' MOA+9:2.50:SEK' EDIFACT PAYMUL 19 (20) October 2016

RFF+CR:1211223344' PAI+23' FII+BF++:::9900:157:118' NAD+BE+++Cash payment AB+BOX 1234+MALMÖ++200 00+SE' PRC+11' FTX+PMD+++Thanks for the loan+se' GIS+37' MOA+128:2.50:SEK' LIN+2' DTM+203:20061226:102' RFF+AEK:2000000301010' BUS++DO' MOA+9:10:SEK' FII+OR+235192252:3321251633::SEK+:::6910:157:118' SEQ++1' MOA+9:10.00:SEK' RFF+CR:0602230000000001122337' FII+BF+53001234567+:::5300:157:118' NAD+BE+++Account deposit AB+BOX 1234+MALMÖ++200 00+SE' INP+YC7:11+2:AD' PRC+11' FTX+PMD+++Compensation for runover hen+se' GIS+37' MOA+128:10.00:SEK' LIN+3 DTM+203:20060223:102 RFF+AEK:3000000301010 BUS++DO MOA+9:50:EUR FII+OR+48606529:3321251633::EUR+:::6910:157:118 SEQ++1 MOA+9:50:EUR RFF+CR:0607070000001122337 FII+BF+48606529+:::6910:157:118 NAD+BE+++Foreign currency transfer AB+BOX 1234+MALMÖ++20000+SE PRC+11 FTX+PMD+++SHB max 14 pos GIS+37 CNT+2:4' UNT+96+0602' Implementation guide EDIFACT PAYMUL 20 (20) October 2016