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This translation has been prepared with the greatest possible care; however,
in case of doubt, the German text is the authoritative version.
Contents
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SDD/SCL technical specifications, version 3.0 Page 2 of 48
10 Notes on format/status ................................................................................................. 41
10.1 Explanatory notes on the format of XML file headers and daily reconciliation reports ............... 41
10.2 Completing amount fields in line with the schema ...................................................................... 41
10.3 Use of filling characters in the amount fields ............................................................................... 41
10.4 Use of white spaces in XML fields, in this case the “collapsing” procedure ................................ 42
10.5 Namespace declaration ............................................................................................................... 43
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Changes/additions to the “technical specifications” compared with version 2.6
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Error code XT75 Addition of SEPA-Clearer as a possible initiator
13 TARGET2 referencing Changes in the structure of the booking
references
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1 Introduction
All items to be processed between the SEPA-Clearer and direct SEPA-Clearer participants are
exchanged in the form of physical files. The formats of the individual files and bulks (logical
files contained in files) are specified in the corresponding sections of this document.
If the XML format and syntax rules defined in the XSD schema files are not observed, a file
rejection message is generated by the SEPA-Clearer. With regard to outgoing files, the data
formats provided meet the specifications of this document.
The SEPA-Clearer's SDD service (comprising the SDD Core service and an SDD B2B
service)1 supports SEPA direct debits in XML format as stipulated in the ISO 20022 standard
and the EPC specifications. Checking rules that go beyond schema validations are described
in the following sections.
Message types pacs.002.001.03SCL and camt.056.001.01 are not part of the EPC
specifications. Message type pacs.002.001.03SCL is a rejection message which the SEPA-
Clearer sends to the submitter in the event of an error to inform them about bulks or individual
transactions (at the validation or settlement stage). Message type camt.056.001.01 is used by
the payee's payment service provider to cancel a previously sent individual payment (direct
debit) prior to settlement.
1
Core and B2B direct debits must be submitted in separate files. Cor1 R-transactions – where permitted – can be
submitted in Core files, but in separate bulks only. Mixed submissions of Cor1 and Core transactions in a single
bulk are not permitted.
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2 Duplication checks
2.1 Duplication checks in the SEPA-Clearer
Participants in the RPS SEPA-Clearer are advised to unambiguously reference each individual
transaction every business day. Ensuring that payments are unambiguous helps to avoid
duplicate payments and makes it easier to classify and trace specific payments.
The SEPA-Clearer carries out duplication checks at file, bulk and individual transaction level.
These cover the following criteria, from which an unambiguous key can be derived.
Service (“Core” or “B2B”)
Reference number
Identification of the party that allocated the reference
Interbank settlement date or processing day in the SEPA-Clearer
The table below shows the duplication criteria applying at file, bulk and individual transaction
levels.
2
Submission of pacs.002: in the absence of the interbank settlement date at group header level, the interbank
settlement date of the first payment at transaction level is used instead. Submission of camt.056: in the absence
of the interbank settlement date across the entire message, the current interbank settlement date (ie the SEPA-
Clearer business day) is used for settlement.
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Origin Servic Reference number BIC Date
e
Payment camt.056 CORE Cancellation ID Original SCL
cancellation or B2B creditor processing
request agent day2
Return/ pacs.004 CORE, Return ID Original Interbank
refund COR1 debtor agent settlement
or B2B date
(only
returns)
Reversal pacs.007 Core, Reversal ID Original Interbank
Cor1 or creditor settlement
B2B agent date
The individual participant is responsible for any rejections by other CSMs owing to duplicate
submissions arising from that participant's non-compliance with the rules for completing fields.
Furthermore, that participant shall be liable for any resulting damages, breaches of return
deadlines defined in the rulebooks etc.
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3 Cross-referencing checks
3.1 Cross-referencing checks in the SEPA-Clearer
Rejections (pacs.002) and recalls (camt.056) are booked in the SEPA-Clearer on their interbank
settlement date as part of the same settlement procedure used for the original direct debit
(pacs.003) in the form of a counteracting booking on the participants’ accounts in accordance
with the gross coverage principle. To prevent such R-transactions from being booked without an
underlying original direct debit, these messages will be rejected using the error code XT75 in
cases where the original direct debit was not processed in the SEPA-Clearer or where an R-
transaction was already submitted.
Assignment to the original direct debit occurs on the basis of the following fields:
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“NOMATCH” identifier. The R-transactions are then allocated the string “UNMATCHED” (or a
similar label) and forwarded.
In the case of pre-settlement R-transactions (pacs.002 and camt.056) routed via other CSMs,
transactions for which the outcome of the cross-referencing check is negative may result in the
individual transaction being rejected.
With regard to the cross-referencing check conducted by EBA CLEARING, the latter only
permits the submission of R-transactions during a specific period, which may vary depending
on the message type and service. EBA CLEARING has published details about this in its
“STEP2 Multi Purpose Direct Debits Core Service and B2B Service Functional Description”
document (section 4.4.4).
Excerpt from the document (as at 6 March 2017):
Date validation Data element CORE B2B
validated
The latest date (number of TARGET days before D) on Sending date 0 0
which a Request for Cancellation Request can be sent
The latest date (number of TARGET days before D) on Sending date 0 0
which a Refusal or Reject can be sent
The latest date (number of TARGET days after D) on Sending date 5 5
which a Reversal can be submitted by the Creditor
Agent
The latest date (number of TARGET days after D) on Sending date 5 3
which a Return can be submitted by the Debtor Agent
The latest date (number of TARGET days after D) on Sending date 473 N/A
which a Request for Refund for an Authorized
transaction can be submitted by the Debtor Agent
The latest date (number of calendar days after D) on Sending date 4404 N/A
which a Request for Refund for an Unauthorized
transaction can be submitted by the Debtor Agent
Compliance with EBA CLEARING’s above deadlines is not checked by the SEPA-Clearer.
Hence, non-compliance may result in these transactions being rejected by EBA CLEARING
after R-transactions have been routed to EBA CLEARING.
3
STEP2 M-PEDD Core service will not reject a refund for an authorised transaction if it arrives after the defined
timeline.
4
STEP2 will reject a refund for an unauthorised transaction if it arrives after the defined timeline.
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4 Daily reconciliation report for direct debits (DRD)
Summary of the SDD bulks submitted to and delivered from the SEPA-Clearer, a copy of which is made available to each SEPA-Clearer
participant in EBCDIC format every business day at the end of that day's SEPA-Clearer processing schedule. The DRD is not in XML format. A
separate DRD (DRD Core or DRD B2B) is made available to the SEPA-Clearer participant for each SDD service (Core and B2B). The DRD Core
service makes no distinction between Core and Cor1 bulks.5 However, the two payment types can be distinguished by the bulk message ID.
The DRD files delivered by the SEPA-Clearer in ASCII format using the EBICS communication infrastructure do not incorporate any special
characters for the line feed at the end of the data record.
5
Applies only to Cor1 R-transactions – where permitted
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4.1 DRD header
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4.2 DRD (pacs.003) direct debit bulks sent body
Submissions of original SEPA direct debits to the SEPA-Clearer by SEPA-Clearer participants
M Value direct debits processed 18d Total value of processed transactions in a bulk. If an entire bulk is
rejected: 0.00 55
M Value direct debits rejected 18d Total value of records rejected in a bulk. If an entire bulk is rejected, 73
total value of all transactions contained in the bulk
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4.3 DRD (pacs.004) return/refund bulks sent body
Submissions of returns/refunds to the SEPA-Clearer by SEPA-Clearer participants
M Value of returns/refunds rejected 18d Total value of records rejected in a bulk. If an entire bulk is rejected, 73
total value of all transactions contained in the bulk
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4.4 DRD (pacs.007) reversal bulks sent body
Submissions of reversals to the SEPA-Clearer by SEPA-Clearer participants
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4.5 DRD (pacs.002) reject bulks sent body
Submissions of rejections to the SEPA-Clearer by SEPA-Clearer participants
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4.6 DRD (camt.056) payment cancellation request bulks sent body
Submissions of payment cancellation requests (PCRs) to the SEPA-Clearer by SEPA-Clearer participants
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4.7 DRD (pacs.003) direct debit bulks received body
Deliveries of SEPA direct debits from the SEPA-Clearer to SEPA-Clearer participants
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4.8 DRD (pacs.004) return bulks received body
Deliveries of returns from the SEPA-Clearer to SEPA-Clearer participants
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4.9 DRD (pacs.007) reversal bulks received body
Deliveries of reversals from the SEPA-Clearer to SEPA-Clearer participants
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4.10 DRD (pacs.002) reject bulks received body
Deliveries of rejections from the SEPA-Clearer to SEPA-Clearer participants
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4.11 DRD (camt.056) payment cancellation request bulks received body
Deliveries of payment cancellation requests (PCRs) from the SEPA-Clearer to SEPA-Clearer participants
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4.12 DRD trailer
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5 XML file header
see annex 1
see annex 2
see annex 3
see annex 4
see annex 6
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6 XML interbank messages
6.1 SEPA direct debit – interbank direct debit
(pacs.003.001.02)
see annex 7
see annex 8
see annex 9
see annex 10
see annex 12
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7 Use of the instructing agent/instructed agent
The following section provides an overview of how the instructing agent, the instructed agent
and the receiving institution and sending institution are to be specified at the different
message levels (file, bulk or individual transaction level). The “InstructedAgentRule” and the
“InstructingAgentRule” must be observed in accordance with the ISO 20022 standard. The
latter rule encompasses an exclusion principle, which clearly states that the instructing agent
may be specified only in the group header or at individual transaction level. This principle
also applies to the instructed agent.
The following information is not intended to depict all the data elements that can or must
contain a BIC in a SEPA direct debit message but rather to identify the key actors involved in
payment processing using the SEPA-Clearer.
Sending institution <SndgInst> in the file header: should contain the BIC of the file
sender (communication partner).
A file delivered to the SEPA-Clearer may contain bulks from one or more instructing agents.
The BIC of the sending institution can deviate from that of the instructing agent and need not
be listed in the SCL Directory. This is, for example, the case for technical service providers
who themselves are not participants in the SEPA-Clearer.
A file sent by the SEPA-Clearer contains exactly one bulk. “MARKDEFF” (in the test:
“MARKDEF0”) is entered as the sending institution.
Receiving institution <RcvgInst> in the file header: should contain the BIC of the file
recipient (communication partner).
A file sent by the SEPA-Clearer contains exactly one bulk for an instructed agent. The BIC of
the receiving institution can deviate from that of the instructed agent and need not be listed in
the SCL Directory. This is, for example, the case for technical service providers who
themselves are not participants in the SEPA-Clearer.
In a file delivered to the SEPA-Clearer “MARKDEFF” (in the test: “MARKDEF0”) must be
specified as the receiving institution.
Instructing agent <InstgAgt> in the group header:6 should contain the BIC of the
submitter of a bulk submitted to the SEPA-Clearer. This BIC can, but need not necessarily,
be listed in the SCL Directory. The countervalue of the submitted bulk is settled using the
technical sub-account on the TARGET2 SSP specified by the submitter for the purpose of
effecting financial settlement via the SEPA-Clearer during the corresponding SDD/SCC
settlement cycle. The BIC of the instructing agent in the group header can deviate from that
of the payment service provider at the individual transaction level.
6
In the case of submissions, this applies equally to the assigner behind the assignment of the message type
camt.056.
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In the files delivered by the SEPA-Clearer, the field instructing agent in the group header is
left blank.
Instructed agent <InstdAgt> in the group header:7 In the files delivered by the SEPA-
Clearer, the field instructed agent contains the BIC of the SEPA-Clearer participant whose
technical sub-account is used on the TARGET2 Single Shared Platform for the purpose of
effecting financial settlement during the corresponding SDD/SCC settlement cycle. This BIC
can, but need not necessarily, be listed in the SCL Directory. The BIC of the instructed agent
can deviate from that of the debtor/creditor agent at the individual transaction level.
In the case of submissions to the SEPA-Clearer, this field must be left blank.
Instructing agent <InstgAgt> at the individual transaction level:8 should contain the BIC
of the original submitter to the SEPA-Clearer of the bulk in which the transaction was
contained. Upon delivery of the transaction, this BIC is entered at individual transaction level
by the SEPA-Clearer and can, but need not necessarily, be listed in the SCL Directory. The
BIC of the instructing agent can deviate from that of the debtor/creditor agent at the individual
transaction level.
In the case of submissions to the SEPA-Clearer, this field must be left blank.
Instructed agent <InstdAgt> at the individual transaction level:9 this field is not
supported at the individual transaction level, nor is it a component of the SEPA-Clearer
schema files.
Debtor agent BIC <DbtrAgt> at the individual transaction level: should contain the BIC of
the payer's payment service provider (debtor bank). It is essential that this BIC is listed in the
SCL Directory as it is the key criterion for routing the payment in the SDD service.
Creditor agent BIC <CdtrAgt> at the individual transaction level: should contain the BIC
of the payee's payment service provider (creditor bank). This BIC must be listed in the SCL
Directory.
7
In the case of deliveries, this applies equally to the assignee in the assignment of the message type camt.056.
8
In the case of deliveries, this applies equally to the assigner at the individual transaction level of the message
type camt.056.
9
In the case of deliveries, this applies equally to the assignee at the individual transaction level of the message
type camt.056.
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Sample entry for the maximum number of different BICs in an input debit file:
File header:
Group header:
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Individual transaction level:
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8 Error codes/rejection reason codes
Error codes used in connection with the structural check of an input debit file (IDF) by the SEPA-Clearer
The errors described below result in the entire file being rejected by means of DVF (exception: A01)
Error code Nature of error
A01 IDF was partially rejected.
R02 The file name designation does not conform with the rules (code currently not in use).
R04 The sender’s BIC in the file name does not conform with the rules (code currently not in use).
R07 SWIFTNet FileAct request type does not conform with the rules.
R09 IDF was completely rejected as it does not conform with the rules for other reasons
(eg character set data deviate from UTF-8).
R10 IDF does not correspond to the schema and therefore cannot be processed.
R11 Sender's BIC (<SndgInst>) is incorrect.
R12 Recipient’s BIC (<RcvgInst>) is incorrect.
R13 IDF is a duplicate.
R14 Error in test code (<TstCode>).
R18 Number of direct debit bulks contained in the IDF does not match the figure given in the file header.
R19 Number of PCR bulks contained in the IDF does not match the figure given in the file header.
R20 Number of return/refund bulks contained in the IDF does not match the figure given in the file header.
R21 Number of reject bulks contained in the IDF does not match the figure given in the file header.
R22 Number of reversal bulks contained in the IDF does not match the figure given in the file header.
R98 IDF rejected as prefixes used at group header or single record level (code currently not in use).
S01 IDF rejected as maximum permissible number of bulks in a file was exceeded.
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Error codes used in connection with the structural check of a bulk by the SEPA-Clearer
The errors described below result in the entire bulk being rejected by means of DVF (exception: B01).
Error code Nature of error Type pacs.002SCL
B01 Bulk was partially rejected. PRTRY X
B02 Maximum permissible number of transactions contained in a bulk was exceeded. PRTRY X
B03 Number of transactions contained in a bulk does not match the figure given in the group PRTRY X
header.
B05 Total amount in the field <TtlIntrBkSttlnAmt>, <TtlRtrdIntrBkSttlmAmt> or PRTRY X
<TtlRvsdIntrBkSttlmAmt> does not match the sum of the transactions in the bulk.
B09 Entire bulk was rejected as all transactions contained in it were rejected. The specific PRTRY X
reasons for rejecting each transaction are stated accordingly.
B10 Entire bulk was rejected either because the instructing agent has to be included in the IDF PRTRY X
group header or the specified instructing agent is not authorised to make submissions for
the submitted payment type.
B11 Entire bulk was rejected as the instructed agent must not be included in the IDF group PRTRY X
header.
B12 Entire bulk was rejected as the assigner was not authorised to make submissions or the PRTRY X
assignee data were incorrect.
B14 Entire bulk was rejected as the <MsgId> or <Id> appears in duplicate. PRTRY X
B15 Entire bulk was rejected as the date in the field <IntrBkSttlmDt> or <OrgnlIntrBkSttlmDt> PRTRY X
falls outside the permitted time period.
B23 Rejection of individual transactions owing to another CSM's bulk rejection to the SEPA- PRTRY X
Clearer. The individual transactions are each rejected with the error code “B23”.
B30 Entire bulk was rejected as submission with a message type for R-transactions took place PRTRY X
between 10.00 and 15.00 (SDD Core service) and/or between 11.00 and 14.00 (SDD B2B
service).
B40 Entire bulk was rejected as it contains more than 999 erroneous transactions. Specific PRTRY X
reasons for rejection are only stated for the validated, erroneous individual transactions.
B97 Entire bulk (pacs.002 or camt.056) was rejected as no clear <IntrBkSttlmDt> or PRTRY X
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Error code Nature of error Type pacs.002SCL
<OrnglIntrBkSttlmDt> could be identified.
B98 Entire bulk was rejected as the <MsgId> (GrpHdr) or <Id> (Assgnmt) does not conform PRTRY X
with the format rules.
B99 Bulk was rejected for other reasons. PRTRY X
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Individual transaction-related error codes (SEPA-Clearer and other CSMs) or rejection codes (banks) specific to the individual transaction:
Code ISO 20022 designation SEPA Core reason Nature of error Initiator Type
pacs.002SCL
(pursuant to EPC
Implementation Guidelines, SDD
camt.056
pacs.002
pacs.007
pacs.004
Core, 2017, version 1.0)
AC01 IncorrectAccountNumber Account identifier incorrect (ie See description on left Banks/ ISO X X
invalid IBAN or account SEPA-
number does not exist) Clearer
AC04 ClosedAccountNumber Account closed See description on left Banks ISO X X
AC06 BlockedAccount Account blocked See description on left Banks ISO X X
Account blocked for direct
debit by the debtor
AC13 InvalidDebtorAccount Debtor account is a See description on left Banks ISO X X
Type consumer account
AGNT IncorrectAgent Agent in the payment See description on left Banks ISO X
workflow is incorrect
AG01 TransactionForbidden Direct debit forbidden on this See description on left Banks ISO X X
account for regulatory reason
AG02 InvalidBankOperation Operation code/transaction See description on left Banks/ ISO X X
Code code/sequence type SEPA-
incorrect, invalid file format. Clearer
Usage rule: To be used to
indicate an incorrect
'operation code / transaction
code / sequence type'.
AM04 InsufficientFunds Insufficient funds See description on left Banks ISO X X
AM05 Duplication Duplicate collection/entry See description on left Banks/ ISO X X X X
other
CSMs/
SEPA-
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Code ISO 20022 designation SEPA Core reason Nature of error Initiator Type
pacs.002SCL
(pursuant to EPC
Implementation Guidelines, SDD
camt.056
pacs.002
pacs.007
pacs.004
Core, 2017, version 1.0)
Clearer
BE05 UnrecognisedInitiating Identifier of the creditor Originator not known – creditor ID Banks ISO X X
Party incorrect incorrect
CNOR Creditor bank is not Creditor bank is not Payee’s payment service provider Banks ISO X
registered registered under this BIC in is not registered under this BIC in
the CSM the CSM
CURR IncorrectCurrency Currency of the payment is Currency used for payment (= Banks ISO X
incorrect EUR) is incorrect
CUST RequestedByCustomer --- Recall by customer Banks ISO X
CUTA CancelUponUnableTo --- Recall owing to find request Banks ISO X
Apply
DNOR Debtor bank is not Debtor bank is not registered Payer’s payment service provider Banks ISO X
registered under this BIC in the CSM is not registered under this BIC in
the CSM
DUPL DuplicatePayment Payment is a duplicate of See description on left Banks ISO X
another payment
DT01 InvalidDate Date falls outside the time period Other ISO X
permitted by other CSMs (see also CSMs/
item 2(2) on cross-referencing by SEPA-
other CSMs) or the SEPA-Clearer’s Clearer
time corridor.
ED05 SettlementFailed Unsuccessful settlement (rejected Other ISO X
by means of RSF) CSMs/
SEPA-
Clearer
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Code ISO 20022 designation SEPA Core reason Nature of error Initiator Type
pacs.002SCL
(pursuant to EPC
Implementation Guidelines, SDD
camt.056
pacs.002
pacs.007
pacs.004
Core, 2017, version 1.0)
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RR01 MissingDebtorAccount Regulatory reason See description on left Banks ISO X X
OrIdentification
RR02 MissingDebtorNameOr Regulatory reason See description on left Banks ISO X X
Address
RR03 MissingCreditorNameOr Regulatory reason See description on left Banks ISO X X
Address
RR04 Regulatory reason Regulatory reason See description on left Banks ISO X X
SL01 DueToSpecificServices Specific service offered by Reason for return: designated Banks ISO X X
OfferedByDebtorAgent the debtor bank service offered by the debtor bank
whereby all direct debits that are
not expressly authorised by
customers are returned
TECH --- --- Payment effected erroneously due Banks PRTRY X
to technical problems
UPAY UnduePayment --- Unauthorised payment Banks ISO X
XD19 --- --- Issued if the country code is a valid SEPA- PRTRY X
ISO or SEPA country code but the Clearer
(country-specific) structure of the
IBAN or the check digits is
incorrect.
The field with the invalid IBAN is
specified in the field “StsRsn”.
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XT13 --- --- The transaction contains at least SEPA- PRTRY X
one field which is not supported. Clearer
At least one mandatory field is
missing from the transaction.
The invalid XML field is indicated
by the error code (if a code exists).
XT27 --- --- The transaction contains at least SEPA- PRTRY X
one element with a BIC not listed in Clearer
the SCL Directory
XT33 --- --- The content of at least one XML SEPA- PRTRY X
element is not in the format Clearer
required.
The invalid XML field is indicated
by the error code.
XT43 --- --- Type of direct debit (Core/B2B) SEPA- PRTRY X
differs from the entry in the Clearer
<SrvcId> in the file header
XT53 --- --- Verification of the creditor identifier SEPA- PRTRY X
(<CdtrSchmeId><Id>) regarding Clearer
structure/check digits failed
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XT73 --- --- The two characters forming the SEPA- PRTRY X
country code do not constitute a Clearer
valid ISO or SEPA country code
XT74 --- --- Invalid underlying original Other PRTRY X
transaction CSMs
Further check required
XT75 --- --- Invalid status of underlying original SEPA- PRTRY X
transaction from R-message Clearer/
No further action required Other
CSMs
XT76 --- --- Invalid error code (in return/refund) SEPA- PRTRY X
Clearer
XT77 --- --- The originally instructed amount Other PRTRY X
<OrgnlIntrBkSttlmAmt> was not CSMs
found or does not match the
original transaction amount
XT78 --- --- pacs.004.001.01: The amount Other PRTRY X
entered in <OrgnlIntrBkSttlmAmt> CSMs/
plus <CompstnAmt> plus SEPA-
<ChrgsInf> <Amt> must add up to Clearer
<RtrdIntrBkSttlmAmt> if
<CompstnAmt> and/or
<ChrgsInf><Amt> exist(s).
XT79 --- --- The <DbtrAgt> is not permitted to Other PRTRY X
receive direct debits. A direct CSMs
participant must be permitted to
receive direct debits from the
clearing system.
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XT80 --- --- The <CdtrAgt> is not permitted to Other PRTRY X
send direct debits. An indirect CSMs
participant must be enabled to
send direct debits to the clearing
system.
XT99 --- --- Direct debit rejected for other SEPA- PRTRY X
reasons (code currently not in use) Clearer
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9 Character set
The SEPA-Clearer supports the full UTF-8 character set.
Pursuant to the SEPA rulebooks, PSPs must be able to support the following Latin character
set commonly used in international communication.
abcdefghijklmnopqrstuvwxyz
ABCDEFGHIJKLMNOPQRSTUVWXYZ
0123456789
/-?:().‘’+
Space
However, it can be agreed on a bilateral or multilateral basis to support one or more UTF-8
character sets in addition to the Latin character set (eg the Greek character set). This applies
above all to message elements containing the purpose of payment, name and address of the
payer (creditor) and payee (debtor). Unless prevented by the schema parameters, the SEPA-
Clearer therefore delivers data records featuring UTF-8 characters not contained in the Latin
character set to the recipient in unchanged format.
If any other character set is entered, the entire file is rejected using the error code R09.
(2) No character set checks beyond those covering compliance with the UTF-8 character set
are carried out by the SEPA-Clearer.
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10 Notes on format/status
10.1 Explanatory notes on the format of XML file headers and daily reconciliation
reports
Format Description
c Alphanumeric,
letters: capital letters
d Decimal
including decimal point and two decimal places
n Numeric
ISODate YYYY-MM-DD
ISODateTime YYYY-MM-DDThh:mm:ss
Status
M Mandatory field
O Optional field
Submitted files containing amounts with a comma and/or more than two decimal places do
not conform to the schema and are therefore rejected using error code R10. Amounts may
not be smaller than €0.01 and must not exceed €999999999.99.
_________________________________________________________________________________
SDD/SCL technical specifications, version 3.0 Page 41 of 48
The fillers listed below are recognised by the XML parser and routed/processed as follows by
the SCL.
1. Leading zeros before the decimal point and trailing zeros after the
decimal point
The SEPA-Clearer ignores the redundant zeros and delivers the amount with the first
and the last significant characters to the SCL participant.
Example:
Submission to the SCL:
<IntrBkSttlmAmt
Ccy=“EUR”>0000000000000000000000001.01000000000000000</IntrBkSttlmAmt>
10.4 Use of white spaces in XML fields, in this case the “collapsing” procedure
“White spaces” form part of the standard XML environment. They are also permitted for the
decimal data type, which is set as standard for the amount field.
Neither the ISO 20022 standard nor the EPC’s Implementation Guidelines make provisions
for any restrictions to this arrangement. As a rule, white spaces can be processed by XML
parsers. However, problems can occur, eg when customised solutions have been
programmed or the XML data records have been converted to different formats for further
processing.
We therefore advise against using spaces in the tags as this may result in processing
problems for the receiving/processing institution.
CSMs have stipulated the following format rules for a variety of “string”-derived fields in their
schema files. In the description, the white spaces facet was set to “collapse” in the schema
files. Detailed information on the procedure used in XML parsing can be found in the
document “W3C Recommendation 28 October 2004, XML Schema Part 2: Datatypes
Second Edition”, the contents of which can be called up using the internet link provided
_________________________________________________________________________________
SDD/SCL technical specifications, version 3.0 Page 42 of 48
below.
http://www.w3.org/TR/xmlschema-2/#rf-whiteSpace
For reasons of interoperability, this “collapsing” procedure was integrated into the SEPA-
Clearer’s schema files with the same level of effect, meaning that, overall, and wherever
necessary both submissions to and deliveries from the SEPA-Clearer undergo the above
procedure as part of the XML parsing process.
SCL delivery messages to PSPs are likewise sent without a prefix at “tag level”.
11 Compression procedures
10
11.1 FileAct
12
11.2 EBICS
In EBICS, the ZIP compression procedure must be supported when transmitting files in either
direction.
10
See the procedural rules on communication via SWIFTNet FileAct for the Deutsche Bundesbank's Retail
Payment System (RPS) and the RPS SEPA-Clearer (SCL).
11
FLAM (Frankenstein-Limes-Access-Method) is a registered trademark of limes datentechnik gmbh,
Friedrichsdorf, Germany.
12
See the Deutsche Bundesbank’s procedural rules on communication via EBICS with deposit-taking credit
institutions and other account holders with a bank sort code.
_________________________________________________________________________________
SDD/SCL technical specifications, version 3.0 Page 43 of 48
12 General specifications of message elements
Creditor identifier (AT-02/AT-18)
The SEPA direct debit mandate features a creditor identifier which clearly identifies the
creditor without making any reference to an account. This information must be specified in
the SEPA data record when collecting a SEPA direct debit.
Together with the mandate reference number assigned by the direct debit creditor, this
creditor identifier is forwarded in the SEPA data record all the way along the chain of
payment processes to the payer. This identification must remain unambiguous and
consistent over time in order to allow the payer and the payer's PSP to check a mandate
when direct debit collection occurs. In Germany, creditor identifiers are allocated by the
Deutsche Bundesbank at www.bundesbank.de.
The creditor identifier is structured as specified in the EPC Implementation Guidelines under
AT-02. The creditor identifier is case and space insensitive.
Format rules
Positions 1 and 2 contain the ISO country code.
Positions 3 and 4 contain the check digits.
Positions 5 to 7 contain the creditor business code which the creditor can complete
with any characters it sees fit. Spaces are prohibited, however. The default characters
entered for the creditor business code are “ZZZ”.
Positions 8 to 35 contain the country-specific element.
Note: the following preparatory steps are required in order to calculate the check digits:
o Preceding spaces are not taken into account.
o Positions 1 to 7 may not contain any spaces.
Hence, the following entries are prohibited and would result in the transactions being
rejected using the error code XT53.
<Id> DE98Zz Z09999999999 </Id>
<Id> DE98Z zZ09999999999 </Id>
<Id> DE98 ZzZ09999999999 </Id>
<Id> DE9 8ZzZ09999999999 </Id>
<Id> DE 98ZzZ09999999999 </Id>
<Id> D E98ZzZ09999999999 </Id>
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SDD/SCL technical specifications, version 3.0 Page 44 of 48
o All non-alphanumeric characters must be deleted from the country-specific
element (positions 8 to 35).
o The ISO country code and “00” must be added at the right-hand end.
o Letters should be converted into figures as shown in the table below.
A= 10 G= 16 M= 22 S= 28 Y= 34
B= 11 H= 17 N= 23 T= 29 Z= 35
C= 12 I= 18 O= 24 U= 30
D= 13 J= 19 P= 25 V= 31
E= 14 K= 20 Q= 26 W= 32
F= 15 L= 21 R= 27 X= 33
o The check digit procedure MOD 97-10 should be used to calculate the check digit
(see also ISO 7064).
_________________________________________________________________________________
SDD/SCL technical specifications, version 3.0 Page 45 of 48
13 TARGET2 referencing
TARGET2 issues settlement information (MT 900/MT 910) and electronic account
statements (MT 940/MT 950) for all accounts held under its auspices. The aforementioned
message types contain settlement references which serve to identify the SEPA direct debits
that are exchanged with the SEPA-Clearer.
1 Current order (ie liquidity transfer) automatically generated by the SEPA-Clearer from the
PM account to the relevant sub-account in the amount of the sum total of submitted or
delivered SEPA direct debit and SCC collections resulting in debit entries
Structure of the settlement reference in field 21 (MT 900/MT 910) and field 61, sub-field 7 of
MT 940/MT 950:
SCL Format Content
System 1-character, alphanumeric “S” (SCL)
AS action 2-character, alphanumeric “C” (current order) + No of cycles
Date 2-character, numeric “TT” (processing day)
Sequence number 2-character, numeric Number of the relevant sub-account
Serial number 9-character, numeric Unambiguous serial number within the
preceding reference information
In addition, field 72 of MT 900/MT 910 supports the codeword “ASINF” followed by the
information given below.
Second character: A, B, C or D
A = SCT service
B = SDD service
C = SCC service
D = BCT service
_________________________________________________________________________________
SDD/SCL technical specifications, version 3.0 Page 46 of 48
2 Settlement of submitted and delivered SDD bulks on the sub-account during the relevant
SDD/SCC settlement cycles of a settlement procedure
Structure of the settlement reference in field 21 of MT 900/MT 910 and field 61, sub-field 7 of
MT 940/MT 950:
SCL Format Content
System 1-character, alphanumeric “S” (SEPA-Clearer)
AS action 2-character, alphabetical First character: “I”, “O” or “X”
I = Input (settlement of bulks submitted to the
SCL)
O = Output (settlement of bulks delivered
from the SCL)
X = Error (settlement of rejected
transactions)
Second character: A, B, C or D
A = SCT service
B = SDD service
C = SCC service
D = BCT service
Current date 2-character, numeric Day of the current month
File ID 6-character, numeric Internal file ID
Bulk ID 3-character, numeric Bulk within the file
Serial number 2-character, numeric Serial number
In addition, field 72 of MT 900/MT 910 supports the code word “ASINF”, followed by the
information given below.
_________________________________________________________________________________
SDD/SCL technical specifications, version 3.0 Page 47 of 48
3 Return transfer of entire funds from the sub-account to the corresponding PM account after
completion of all settlements in a settlement procedure (SCT/BCT and SDD/SCC settlement
cycles) automatically initiated by the SEPA-Clearer
When retransferring the (entire amount of) liquidity from the sub-account to the PM account,
references are likewise assigned (note to such effect in field 21 of MT 900/MT 910 as well as
in field 61, sub-field 7 of MT 940/MT 950). In this case, however, these are merely internal
references assigned by the SEPA-Clearer application when communicating with the
TARGET2 platform. Hence, reconciliation with the underlying transactions is not possible.
_________________________________________________________________________________
SDD/SCL technical specifications, version 3.0 Page 48 of 48
Input Debit File (IDF) Header – BBkIDFBlkDirDeb
XML-File-Header
Use
File header for the submission of pacs.003-, pacs.002-, pacs.007-, pacs.004- and camt.056-bulks to the SEPA-Clearer.
Parsing errors result in the file being rejected with the error code R10.
The schema file BBkIDFBlkDirDeb specifies the IDF.
Message structure
Status Element/Attribut Format Content Checks SCL
BBkIDFBlkDirDeb
BBkIDFBlkDirDeb
1..1 SndgInst Name Sending Institution Sender’s 11-digit BIC Communication partner’s authorisation to
Typ sw6:BICIdentifier (communication partner) submit verified against the BIC in the group
BBkIDFBlkDirDeb Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3}) header.
+SndgInst {0,1} error code: R11
Part of the duplication check
error code: R13
1..1 RcvgInst Name Receiving Institution SEPA-Clearer's BIC (production: Check as to whether this element is
Typ BBkIDF:RcvgBICIdentifier MARKDEFF; test: MARKDEF0) allocated with the BIC of the SEPA-Clearer
BBkIDFBlkDirDeb error code: R12
+RcvgInst
Acceptable Codes
MARKDEF0
MARKDEFF
1..1 FileRef Name File Reference Sender’s reference, must be Part of the duplication check
Typ BBkIDF:Max16Text unique on operating day error code: R13
BBkIDFBlkDirDeb Pattern [0-9A-Z]{16,16}
+FileRef
1..1 SrvcId Name Service Identifier COR or B2B Only COR or B2B can be used (schema
Typ BBkIDF:SrvcID validation)
BBkIDFBlkDirDeb
+SrvcId
Acceptable Codes
B2B
CO1
1..1 TstCode Name Test Code Either “T” (test) or “P” (production), error code: R14
Typ BBkIDF:TestCodeType depending on the
BBkIDFBlkDirDeb processing environment
+TstCode
Acceptable Codes
P
T
1..1 FType Name File Type IDF
Typ BBkIDF:FType
BBkIDFBlkDirDeb
+FType
Acceptable Codes
IDF
XML-File-Header
Use
File header for file, bulk and individual transaction rejections of SDD files by the SEPA-Clearer.
o Parsing errors result in a complete reject of the submitted IDF with the error code R10; this is entered into the element IDF
error code (<IdfErrCd>) of the DVF header.
o For individual transaction and bulk rejects, the pacs.002.001.03SCLSDD is added to the DVF header.
The DVF header is used for both technical and functional errors.
The schema file BBkIDFBlkDirDeb specifies the DVF.
Message structure
Status Element/Attribut Format Content Checks SCL
BBkDVFBlkDirDeb
BBkDVFBlkDirDeb
1..1 SndgInst Name Sending Institution SEPA-Clearer's BIC (production:
Typ BBkDVF:BICIdentifierBBK MARKDEFF; test: MARKDEF0)
BBkDVFBlkDirDeb
+SndgInst
Acceptable Codes
MARKDEF0
MARKDEFF
1..1 RcvgInst Name Receiving Institution Recipient’s 11-digit BIC
Typ sw5:BICIdentifier (communication partner)
BBkDVFBlkDirDeb Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
+RcvgInst {0,1}
1..1 SrvcId Name Service Identifier COR or B2B
Typ BBkDVF:SrvcID
BBkDVFBlkDirDeb
+SrvcId
Acceptable Codes
B2B
COR
1..1 TstCode Name Test Code Either “T” (test) or “P” (production),
Typ BBkDVF:TestCodeType depending on the processing
BBkDVFBlkDirDeb environment
+TstCode
Acceptable Codes
P
T
1..1 FType Name File Type DVF
Typ BBkDVF:FTpType
BBkDVFBlkDirDeb
+FType
Acceptable Codes
DVF
1..1 FileRef Name File Reference SEPA-Clearer’s reference
Typ BBkDVF:Max16Text
BBkDVFBlkDirDeb Pattern [0-9A-Z]{16,16}
+FileRef
1..1 FileDtTm Name File Date and Time File creation date and time
Typ sw5:ISODateTime
BBkDVFBlkDirDeb
+FileDtTm
0..1 OrigFRef Name Original File Reference Given only when ascertainable from
Typ BBkDVF:Max16Text original file
BBkDVFBlkDirDeb Pattern [0-9A-Z]{16,16}
+OrigFRef
1..1 OrigFName Name Original File Name SWIFTNet FileAct: original IDF file
Typ BBkDVF:Max32Text name; without the constant “SCL_”
BBkDVFBlkDirDeb Length 1 .. 32 EBICS: Internal by the
+OrigFName SEPA-Clearer generated reference.
Allows no conclusion about the
submitted file.
0..1 OrigDtTm Name Original Date And Only when ascertainable
Time
BBkDVFBlkDirDeb Typ sw5:ISODateTime
+OrigDtTm
1..1 IdfErrCd Name IDF Error Code Reason for rejection/partial rejection
Typ BBkDVF:Text3 of file
BBkDVFBlkDirDeb
+IdfErrCd
1..1 FileBusDt Name File Business Date Business day on which the file was
Typ sw5:ISODate created by the SEPA-Clearer
BBkDVFBlkDirDeb
+FileBusDt
1..1 FileCycleNo Name File Cycle Number Processing phase during which the
Typ BBkDVF:Max2NumericText file was created by the
BBkDVFBlkDirDeb Pattern [0-9]{2,2} SEPA-Clearer
+FileCycleNo
XML-File-Header
Use
Delivery of pacs.003-, pacs.002- and camt.056-bulks to a SEPA-Clearer participant via the SEPA-Clearer prior to settlement.
Each file contains exactly one bulk.
The schema file BBkDNFBlkDirDeb specifies the DNF.
Message structure
Status Element/Attribut Format Content Checks SCL
BBkDNFBlkDirDeb
BBkDNFBlkDirDeb
1..1 SndgInst Name Sending Institution SEPA-Clearer's BIC (production:
Typ BBkDNF:BICIdentifierBBk MARKDEFF; test: MARKDEF0)
BBkDNFBlkDirDeb
+SndgInst
Acceptable Codes
MARKDEF0
MARKDEFF
1..1 RcvgInst Name Receiving Institution Recipient’s 11-digit BIC
Typ sw3:BICIdentifier (communication partner)
BBkDNFBlkDirDeb Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
+RcvgInst {0,1}
1..1 SrvcId Name Service Identifier COR or B2B
Typ BBkDNF:SrvcID
BBkDNFBlkDirDeb
+SrvcId
Acceptable Codes
B2B
COR
1..1 TstCode Name Test Code Either “T” (test) or “P” (production),
Typ BBkDNF:TestCodeType depending on the processing
BBkDNFBlkDirDeb environment
+TstCode
Acceptable Codes
P
T
1..1 FType Name File Type DNF
Typ BBkDNF:FTpType
BBkDNFBlkDirDeb
+FType
Acceptable Codes
DNF
1..1 FileRef Name File Reference SEPA-Clearer’s reference
Typ BBkDNF:Max16Text
BBkDNFBlkDirDeb Pattern [0-9A-Z]{16,16}
+FileRef
1..1 FileBusDt Name File Business Date Business day on which the file was
Typ sw2:ISODate created by the SEPA-Clearer
BBkDNFBlkDirDeb Pattern [0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
+FileBusDt
XML-File-Header
Use
Delivery of pacs.004- and pacs.007-bulks after booking to SEPA-Clearer participants via the SEPA-Clearer.
Each file contains exactly one bulk.
The schema file BBkSDFBlkDirDeb specifies the SDF.
Message structure
Status Element/Attribut Format Content Checks SCL
BBkSDFBlkDirDeb
BBkSDFBlkDirDeb
1..1 SndgInst Name Sending Institution SEPA-Clearer's BIC (production:
Typ BBkSDF:BICIdentifierBBk MARKDEFF; test: MARKDEF0)
BBkSDFBlkDirDeb
+SndgInst
Acceptable Codes
MARKDEF0
MARKDEFF
1..1 RcvgInst Name Receiving Institution Recipient’s 11-digit BIC
Typ sw7:BICIdentifier (communication partner)
BBkSDFBlkDirDeb Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
+RcvgInst {0,1}
1..1 SrvcId Name Service Identifier COR or B2B
Typ BBkSDF:SrvcID
BBkSDFBlkDirDeb
+SrvcId
Acceptable Codes
B2B
COR
1..1 TstCode Name Test Code Either “T” (test) or “P” (production),
Typ BBkSDF:TestCodeType depending on the processing
BBkSDFBlkDirDeb environment
+TstCode
Acceptable Codes
P
T
1..1 FType Name File Type SDF
Typ BBkSDF:FTpType
BBkSDFBlkDirDeb
+FType
Acceptable Codes
SDF
1..1 FileRef Name File Reference SEPA-Clearer’s reference
Typ BBkSDF:Max16Text
BBkSDFBlkDirDeb Pattern [0-9A-Z]{16,16}
+FileRef
XML-File-Header
Use
Information of the participant on the debit side of the SDD transactions from the SEPA-Clearer that could not be settled
o Settlement errors result in the non-execution of SDD transactions
o Transactions that could not be settled due to insufficient funds are attached to the UDF
o Each UDF contains always exactly one bulk
The schema file BBkUDFBlkDirDeb specifies the UDF
Message structure
Status Element/Attribut Format Content Checks SCL
BBkUDFBlkDirDeb
BBkUDFBlkDirDeb
1..1 SndgInst
Name Sending Institution SEPA-Clearer's BIC (production:
BBkUDFBlkDirDeb Typ BBkUDF:BICIdentifierBBk MARKDEFF; test: MARKDEF0)
+SndgInst
Anwendbare Codes
MARKDEF0
MARKDEFF
1..1 RcvgInst
Name Receiving Institution Recipient’s 11-digit BIC
BBkUDFBlkDirDeb Typ sw3:BICIdentifier (communication partner)
+RcvgInst Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
{0,1}
1..1 SrvcId
Name Service Identifier COR or B2B
BBkUDFBlkDirDeb Typ BBkUDF:SrvcID
+SrvcId
Anwendbare Codes
B2B
COR
1..1 TstCode
Name Test Code Either “T” (test) or “P” (production),
BBkUDFBlkDirDeb Typ BBkUDF:TestCodeType depending on the processing
+TstCode environment
Anwendbare Codes
P
T
1..1 FType
Name File Type UDF
BBkUDFBlkDirDeb Typ BBkUDF:FTpType
+FType
Anwendbare Codes
UDF
XML-File-Header
Use
Individual transaction rejection of SDD payments to the submitter from the SEPA-Clearer
o Settlement errors in the SEPA-Clearer or with other CSMs result in the rejection of SDD payments with the error code ED05,
which is indicated in the field TxInfAndSts/StsRsnInf/Prtry in the attached pacs.002.001.03SCLSDD
o Each RSF contains always exactly one bulk
o The RSF is generated at the Interbank Settlement Date
The schema file BBkRSFBlkDirDeb specifies the RSF
Nachrichtenstruktur
Status Element/Attribut Format Content Checks SCL
BBkRSFBlkDirDeb
BBkRSFBlkDirDeb
1..1 SndgInst Name Sending Institution
Typ BBkRSF:BICIdentifierBBk SEPA-Clearer's BIC (production:
BBkRSFBlkDirDeb MARKDEFF; test: MARKDEF0)
+SndgInst
Anwendbare Codes
MARKDEF0
MARKDEFF
1..1 RcvgInst Name Receiving Institution
Typ sw5:BICIdentifier Recipient’s 11-digit BIC
BBkRSFBlkDirDeb Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3}) (communication partner)
+RcvgInst {0,1}
1..1 SrvcId Name Service Identifier
Typ BBkRSF:SrvcID COR or B2B
BBkRSFBlkDirDeb
+SrvcId
Anwendbare Codes
B2B
COR
1..1 TstCode Name Test Code
Typ BBkRSF:TestCodeType Either “T” (test) or “P” (production),
BBkRSFBlkDirDeb depending on the processing
+TstCode environment
Anwendbare Codes
P
T
1..1 FType Name File Type
Typ BBkRSF:FTpType RSF
BBkRSFBlkDirDeb
+FType
Anwendbare Codes
RSF
Memo
Group header
The group header contains information required to process the entire message.
Message structure
Status Element/Attribut Format EPC Referenzen Contents and check
(if available) SEPA-Clearer
Document
1..1 FIToFICstmrDrctDbt Typ FIToFICustomerDirectDebitV02
Document
+FIToFICstmrDrctDbt
1..1 GrpHdr Name Group Header Group Header contains processing informations
Typ SCLSDDGroupHeader3 which applies to the whole payment.
Document
+FIToFICstmrDrctDbt
++GrpHdr
1..1 MsgId Name Message Identification Bulk reference number.
Typ SCLSDDId7
Document Pattern ([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35} <Msgld> is part of duplication check at bulk
+FIToFICstmrDrctDbt level (unique reference over 15 calendar days).
++GrpHdr Error code: B14
+++MsgId
The first 8 or 11 characters of <Msgld> must
match the BIC of the instructing agent in IDF.
The rest of the field can be freely defined.
Error code: B98
1..1 CreDtTm Name Creation Date Time Bulk creation date and time.
Typ ISODateTime
Document Pattern [0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}[T][0-9]{2,2}:
+FIToFICstmrDrctDbt [0-9]{2,2}:[0-9]{2,2}[\S]*
++GrpHdr
+++CreDtTm
1..1 NbOfTxs Name Number Of Transactions Total number of single transactions in the bulk
Typ Max15NumericText
Document Pattern [0-9]{1,15} Must not exceed 100,000 (maximum parameter
+FIToFICstmrDrctDbt of data records in the bulk).
++GrpHdr Error code: B02
1..1 Prtry Name Proprietary Code for the clearing system. For the
Typ Max35Text_Prtry SEPA-Clearer, only the value ‘SCL’ may be used.
Document Length 1 .. 35 (Schema validation)
+FIToFICstmrDrctDbt Pattern \S+.*
++GrpHdr WhiteSpace collapse
+++SttlmInf
++++ClrSys
+++++Prtry
Acceptable Codes
SCL
0..1 InstgAgt Name Instructing Agent Usage Rule: Only BIC is allowed. Only to be used for submissions to the
Typ SCLSDDBranchAndFinancialInstitutionIdentif SEPA-Clearer. Allocation of the BIC of the SCL
Document ication3 participant which is linked with the TARGET2
+FIToFICstmrDrctDbt sub-account assigned for settlement with the
++GrpHdr SEPA-Clearer.
+++InstgAgt Part of duplication check at bulk level (daily
unique reference).
1..1 FinInstnId Name Financial Institution Identification
Typ SCLSDDFinancialInstitutionIdentification5Ch
Document oice
+FIToFICstmrDrctDbt
++GrpHdr
+++InstgAgt
++++FinInstnId
1..1 Cd Name Code Category purpose. <Cd> and <Prtry> (see below)
Typ ExternalCategoryPurpose1Code cannot be used simultaneously.
Document Length 1 .. 4
+FIToFICstmrDrctDbt Pattern \S+.* Purpose of transaction. Field may be completed
++DrctDbtTxInf WhiteSpace collapse in accordance with the external codelist (ISO
+++PmtTpInf 20022). A maximum of four characters may be
++++CtgyPurp entered.
+++++Cd
No entry is required for submissions to the SCL,
whereas for deliveries from the SLC an entry may
be made in the field. There is no validation by the
SCL.
1..1 Prtry Name Proprietary Category purpose.
Typ Max35Text <Cd> (see above) and <Prtry> cannot be used
Document Length 1 .. 35 simultaneously.
+FIToFICstmrDrctDbt Pattern \S+.* No entry is required for submissions to the SCL,
++DrctDbtTxInf WhiteSpace collapse whereas for deliveries from the SLC an entry
+++PmtTpInf may be made in the field. There is no validation
++++CtgyPurp by the SCL.
+++++Prtry
1..1 IntrBkSttlmAmt Name Interbank Settlement Amount (AT-06 Amount of the Collection in The amount of the relevant direct debit.
Typ SCLSDDCurrencyAndAmount_Tx Euro) The currency designation must be ‘EUR’.
Document FractionDigits 2 Usage Rule: Only 'EUR' is allowed. (Schema validation)
+FIToFICstmrDrctDbt TotalDigits 18 Usage Rule: Amount must be 0.01
++DrctDbtTxInf Inclusive 0.01 .. 999999999.99 or more and 999999999.99 or less. A maximum of two decimal places may be used.
+++IntrBkSttlmAmt Pattern [0-9]{0,15}([\.]([0-9]{0,2})){0,1} Format Rule: The fractional part (Schema validation)
has a maximum of two digits.
Amount must not exceed permitted maximum
amount (999999999.99) and must be greater
than ‘0’. (Schema validation)
0..1 OrgnlMndtId Name Original Mandate Identification (AT-19 Unique Mandate reference Unique mandate reference as given by the
Typ SCLSDDId8 as given by creditor when the mandate was issued.
Document Pattern ([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|'|\s]){1,35} the original Creditor who issued the Check depending on entry in <AmdmntInd>.
+FIToFICstmrDrctDbt Mandate) Error code: XT13
++DrctDbtTxInf
+++DrctDbtTx Usage Rule: Mandatory if changes
++++MndtRltdInf occur in 'Mandate Identification',
+++++AmdmntInfDtls otherwise not to be used.
++++++OrgnlMndtId
0..1 OrgnlCdtrSchmeId Name Original Creditor Scheme Identification (AT-18 Identifier of the Original Identifier of the original creditor who issued the
Typ SCLSDDCdtrSchmeId1 Creditor who issues the Mandate) mandate.
Document Usage Rule: Mandatory if changes
+FIToFICstmrDrctDbt occur in ‘Creditor Scheme
++DrctDbtTxInf Identification’, otherwise not to be
+++DrctDbtTx used.
++++MndtRltdInf
+++++AmdmntInfDtls
++++++OrgnlCdtrSchmeId
0..1 Nm Name Name (Original AT-03 Name of the Name of creditor.
Typ Max70Text Creditor) Check depending on entry in <AmdmntInd>.
Document Length 1 .. 70 Usage Rule: If present, the new Error code: XT13
+FIToFICstmrDrctDbt Pattern \S+.* name must be specified under
++DrctDbtTxInf WhiteSpace collapse ‘Creditor’.
+++DrctDbtTx Usage Rule: ‘Name’ is limited to 70
++++MndtRltdInf characters in length
+++++AmdmntInfDtls
++++++OrgnlCdtrSchmeId
+++++++Nm
0..1 Id Name Identification (AT-18 Identifier of the Original
Typ SCLSDDPrivateIdentification Creditor who issued the Mandate)
Document
+FIToFICstmrDrctDbt
++DrctDbtTxInf
+++DrctDbtTx
++++MndtRltdInf
+++++AmdmntInfDtls
++++++OrgnlCdtrSchmeId
+++++++Id
1..1 PrvtId Name Private Identification Usage Rule: Private Identification is
Typ SCLSDDPrty1 used to identify either an
Document organisation or a private person.
+FIToFICstmrDrctDbt
++DrctDbtTxInf
+++DrctDbtTx
++++MndtRltdInf
+++++AmdmntInfDtls
++++++OrgnlCdtrSchmeId
+++++++Id
++++++++PrvtId
1..1 Othr Name Other Usage Rule: Only one occurrence
Typ SCLSDDId4 of ‘Other’ is allowed, and no other
Document sub-elements are allowed.
+FIToFICstmrDrctDbt Usage Rule: ‘Identification’ must be
++DrctDbtTxInf used with an identifier described in
+++DrctDbtTx General Message Element
++++MndtRltdInf Specifications, Chapter 1.6.2.
+++++AmdmntInfDtls Usage Rule: ‘Proprietary’ under
‘Scheme Name’ must specify
++++++OrgnlCdtrSchmeId
‘SEPA’.
+++++++Id
++++++++PrvtId
+++++++++Othr
1..1 Id Name Identification Unique mandate reference as given by the
Typ SCLSDDId8 creditor when the mandate was issued.
Document Pattern ([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|'|\s]){1,35} Check depending on entry in <AmdmntInd>.
+FIToFICstmrDrctDbt Error code: XT13
++DrctDbtTxInf
+++DrctDbtTx
++++MndtRltdInf
+++++AmdmntInfDtls
++++++OrgnlCdtrSchmeId
+++++++Id
++++++++PrvtId
+++++++++Othr
++++++++++Id
1..1 SchmeNm Name Scheme Name
Typ FinancialIdentificationSchemeName2
Document
+FIToFICstmrDrctDbt
++DrctDbtTxInf
+++DrctDbtTx
++++MndtRltdInf
+++++AmdmntInfDtls
++++++OrgnlCdtrSchmeId
+++++++Id
++++++++PrvtId
+++++++++Othr
++++++++++SchmeNm
1..1 Prtry Name Proprietary Only "SEPA" allowed.
Typ SCLSDDId9
Document
+FIToFICstmrDrctDbt
++DrctDbtTxInf
+++DrctDbtTx
++++MndtRltdInf
+++++AmdmntInfDtls
++++++OrgnlCdtrSchmeId
+++++++Id
++++++++PrvtId
+++++++++Othr
++++++++++SchmeNm
+++++++++++Prtry
Acceptable Codes
SEPA
0..1 Ctry Name Country Check of country code in accordance with ISO
Typ CountryCode 3166.
Document Pattern [A-Z]{2,2}
+FIToFICstmrDrctDbt Error code: XT73
++DrctDbtTxInf
+++Cdtr
++++PstlAdr
+++++Ctry
0..2 AdrLine Name Adress Line Format Rule: If used, only two Maximum of two occurrences of ‘address line’
Typ Max70Text occurrences of 'Address Line' are allowed.
Document Length 1 .. 70 allowed. (Schema validation)
+FIToFICstmrDrctDbt Pattern \S+.*
++DrctDbtTxInf WhiteSpace collapse
+++Cdtr
++++PstlAdr
+++++AdrLine
1..1 CdtrAcct Name Creditor Account Mandatory IBAN of creditor.
Typ SCLSDDCashAccount7
Document (AT-04 Account Number of the
+FIToFICstmrDrctDbt Creditor)
++DrctDbtTxInf Usage Rule: Only IBAN is allowed.
+++CdtrAcct
1..1 Id Name Identification
Typ SCLSDDAccountIdentification3Choice
Document
+FIToFICstmrDrctDbt
++DrctDbtTxInf
+++CdtrAcct
++++Id
1..1 IBAN Name IBAN Ckeck in accordance with ISO 13616.
Typ IBANIdentifier Error code: XD19
Document Pattern [a-zA-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,30}
+FIToFICstmrDrctDbt Check as to whether the first two
++DrctDbtTxInf characters match a valid ISO code
+++CdtrAcct or SEPA country code.
++++Id Error code XT73
+++++IBAN
1..1 CdtrAgt Name Creditor Agent (AT-12 BIC of the Creditor bank) BIC of the creditor agent.
Typ SCLSDDBranchAndFinancialInstitutionIdentif Usage Rule: Only BIC is allowed.
Document ication3
+FIToFICstmrDrctDbt
++DrctDbtTxInf
+++CdtrAgt
1..1 FinInstnId Name Financial Institution Identification
Typ SCLSDDFinancialInstitutionIdentification5Ch
Document oice
+FIToFICstmrDrctDbt
++DrctDbtTxInf
+++CdtrAgt
++++FinInstnId
1..1 BIC Name BIC Validity of BIC using SEPA BIC directory.
Typ BICIdentifier Error code: XT27
Document Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
+FIToFICstmrDrctDbt {0,1} General addressability check: BIC must be
++DrctDbtTxInf addressable within the SEPA-Clearer
+++CdtrAgt (The CSM identification in the scl-directory must
++++FinInstnId be „MARKDEFF“ in production or „MARKDEF0“
+++++BIC in test)
Fehlercode: PY01
+FIToFICstmrDrctDbt
++DrctDbtTxInf
+++UltmtCdtr
++++Id
+++++OrgId
++++++Othr
+++++++SchmeNm
1..1 Cd Name Code
Typ SCLSDDExternalOrganisationIdentification1
Document Code
+FIToFICstmrDrctDbt Length 1 .. 4
++DrctDbtTxInf Pattern \S+.*
+++UltmtCdtr WhiteSpace collapse
++++Id
+++++OrgId
++++++Othr
+++++++SchmeNm
++++++++Cd
1..1 Prtry Name Proprietary
Typ Max35Text
Document Length 1 .. 35
+FIToFICstmrDrctDbt Pattern \S+.*
++DrctDbtTxInf WhiteSpace collapse
+++UltmtCdtr
++++Id
+++++OrgId
++++++Othr
+++++++SchmeNm
++++++++Prtry
0..1 Issr Name Issuer
Typ Max35Text
Document Length 1 .. 35
+FIToFICstmrDrctDbt Pattern \S+.*
++DrctDbtTxInf WhiteSpace collapse
+++UltmtCdtr
++++Id
+++++OrgId
++++++Othr
+++++++Issr
1..1 PrvtId Name Private Identification Usage Rule: Either "Date and
Typ SCLSDDPersonIdentification5 Place of Birth" or one occurrence of
Document "Other" is allowed.
+FIToFICstmrDrctDbt
++DrctDbtTxInf
+++UltmtCdtr
++++Id
+++++PrvtId
1..1 DtAndPlcOfBirth Name Date and Place of Birth
Typ DateAndPlaceOfBirth
Document
+FIToFICstmrDrctDbt
++DrctDbtTxInf
+++UltmtCdtr
++++Id
+++++PrvtId
++++++DtAndPlcOfBirth
1..1 BirthDt Name Birth Date
Typ ISODate
Document Pattern [0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
+FIToFICstmrDrctDbt
++DrctDbtTxInf
+++UltmtCdtr
++++Id
+++++PrvtId
++++++DtAndPlcOfBirth
+++++++BirthDt
0..1 PrvcOfBirth Name Province of Birth
Typ Max35Text
Document Length 1 .. 35
+FIToFICstmrDrctDbt Pattern \S+.*
+++Dbtr
++++Id
+++++OrgId
++++++Othr
+++++++SchmeNm
1..1 Cd Name Code
Typ SCLSDDExternalOrganisationIdentification1
Document Code
+FIToFICstmrDrctDbt Length 1 .. 4
++DrctDbtTxInf Pattern \S+.*
+++Dbtr WhiteSpace collapse
++++Id
+++++OrgId
++++++Othr
+++++++SchmeNm
++++++++Cd
1..1 Prtry Name Proprietary
Typ Max35Text
Document Length 1 .. 35
+FIToFICstmrDrctDbt Pattern \S+.*
++DrctDbtTxInf WhiteSpace collapse
+++Dbtr
++++Id
+++++OrgId
++++++Othr
+++++++SchmeNm
++++++++Prtry
0..1 Issr Name Issuer
Typ Max35Text
Document Length 1 .. 35
+FIToFICstmrDrctDbt Pattern \S+.*
++DrctDbtTxInf WhiteSpace collapse
+++Dbtr
++++Id
+++++OrgId
++++++Othr
+++++++Issr
1..1 PrvtId Name Private Identification Usage Rule: Either "Date and Either 'organisation identification’ or ‘private
Typ SCLSDDPersonIdentification5 Place of Birth" or one occurence of identification’ is available
Document "Other" is allowed. (schema validation).
+FIToFICstmrDrctDbt
++DrctDbtTxInf All ISO 20022 options are allowed.
+++Dbtr
++++Id
+++++PrvtId
1..1 DtAndPlcOfBirth Name Date and Place of Birth
Typ DateAndPlaceOfBirth
Document
+FIToFICstmrDrctDbt
++DrctDbtTxInf
+++Dbtr
++++Id
+++++PrvtId
++++++DtAndPlcOfBirth
1..1 BirthDt Name Birth Date
Typ ISODate
Document Pattern [0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
+FIToFICstmrDrctDbt
++DrctDbtTxInf
+++Dbtr
++++Id
+++++PrvtId
++++++DtAndPlcOfBirth
+++++++BirthDt
0..1 PrvcOfBirth Name Province of Birth
Typ Max35Text
Document Length 1 .. 35
+FIToFICstmrDrctDbt Pattern \S+.*
++DrctDbtTxInf WhiteSpace collapse
+++Dbtr
++++Id
+++++PrvtId
++++++DtAndPlcOfBirth
+++++++PrvcOfBirth
1..1 CityOfBirth Name City of Birth
Typ Max35Text
Document Length 1 .. 35
+FIToFICstmrDrctDbt Pattern \S+.*
++DrctDbtTxInf WhiteSpace collapse
+++Dbtr
++++Id
+++++PrvtId
++++++DtAndPlcOfBirth
+++++++CityOfBirth
1..1 CtryOfBirth Name Country of Birth
Typ CountryCode
Document Pattern [A-Z]{2,2}
+FIToFICstmrDrctDbt
++DrctDbtTxInf
+++Dbtr
++++Id
+++++PrvtId
++++++DtAndPlcOfBirth
+++++++CtryOfBirth
1..1 Othr Name Other
Typ SCLSDDGenericPersonIdentification1
Document
+FIToFICstmrDrctDbt
++DrctDbtTxInf
+++Dbtr
++++Id
+++++PrvtId
++++++Othr
1..1 Id Name Identification
Typ Max35Text
Document Length 1 .. 35
+FIToFICstmrDrctDbt Pattern \S+.*
++DrctDbtTxInf WhiteSpace collapse
+++Dbtr
++++Id
+++++PrvtId
++++++Othr
+++++++Id
0..1 SchmeNm Name Scheme Name
Typ SCLSDDPersonIdentificationSchemeName1
Document Choice
+FIToFICstmrDrctDbt
++DrctDbtTxInf
+++Dbtr
++++Id
+++++PrvtId
++++++Othr
+++++++SchmeNm
1..1 Cd Name Code
Typ SCLSDDExternalPersonIdentification1Code
Document Length 1 .. 4
+FIToFICstmrDrctDbt Pattern \S+.*
++DrctDbtTxInf WhiteSpace collapse
+++Dbtr
++++Id
+++++PrvtId
++++++Othr
+++++++SchmeNm
++++++++Cd
1..1 Prtry Name Proprietary
Typ Max35Text
Document Length 1 .. 35
+FIToFICstmrDrctDbt Pattern \S+.*
++DrctDbtTxInf WhiteSpace collapse
+++Dbtr
++++Id
+++++PrvtId
++++++Othr
+++++++SchmeNm
++++++++Prtry
0..1 Issr Name Issuer
Typ Max35Text
Document Length 1 .. 35
+FIToFICstmrDrctDbt Pattern \S+.*
++DrctDbtTxInf WhiteSpace collapse
+++Dbtr
++++Id
+++++PrvtId
++++++Othr
+++++++Issr
1..1 DbtrAcct Name DebtorAccount (AT -07 Account number of the IBAN of the Debtor
Typ SCLSDDCashAccount7 Debtor)
Document Usage Rule: Only IBAN is allowed.
+FIToFICstmrDrctDbt
++DrctDbtTxInf
+++DbtrAcct
1..1 Id Name Identification
Typ SCLSDDAccountIdentification3Choice
Document
+FIToFICstmrDrctDbt
++DrctDbtTxInf
+++DbtrAcct
++++Id
1..1 IBAN Name IBAN Check in accordance with ISO 13616.
Typ IBANIdentifier Error code: XD19
Document Pattern [a-zA-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,30}
+FIToFICstmrDrctDbt Check of the first two characters that they
++DrctDbtTxInf correspond to a valid ISO or SEPA country
+++DbtrAcct code.
++++Id Error code: XT73
+++++IBAN
1..1 DbtrAgt Name Debtor Agent (AT-13 BIC of Debtor's Bank) BIC of debtor agent.
Typ SCLSDDBranchAndFinancialInstitutionIdentif Usage Rule: Only BIC is allowed.
Document ication3
+FIToFICstmrDrctDbt
++DrctDbtTxInf
+++DbtrAgt
1..1 FinInstnId Name Financial Institution Identification
Typ SCLSDDFinancialInstitutionIdentification5Ch
Document oice
+FIToFICstmrDrctDbt
++DrctDbtTxInf
+++DbtrAgt
++++FinInstnId
1..1 BIC Name BIC Validity of BIC using SEPA BIC directory.
Typ BICIdentifier Error code: XT27
Document Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
+FIToFICstmrDrctDbt {0,1} Check only if payment is forwarded from the
++DrctDbtTxInf SEPA-Clearer to STEP2: BIC must belong to a
+++DbtrAgt registered direct participant or reachable BIC of
++++FinInstnId the STEP2 SDD Service
+++++BIC Error code: PY01
0..1 Nm Name Name (AT-15 Name of the Debtor Name of ultimate debtor
Typ Max70Text Reference Party)
Document Length 1 .. 70 Usage Rule: "Name" is limited to 70
+FIToFICstmrDrctDbt Pattern \S+.* characters in length.
++DrctDbtTxInf WhiteSpace collapse
+++UltmtDbtr
++++Nm
0..1 Id Name Identification (AT-37 Identification code of the Identifier of ultimate debtor
Typ SCLSDDParty3Choice Debtor Reference Party)
Document
+FIToFICstmrDrctDbt
++DrctDbtTxInf
+++UltmtDbtr
++++Id
1..1 OrgId Name Organisation Identification Usage Rule: Either "BIC or BEI" or
Typ SCLSDDOrganisationIdentification4 one occurrence of "Other" is
Document allowed.
+FIToFICstmrDrctDbt
++DrctDbtTxInf
+++UltmtDbtr
++++Id
+++++OrgId
1..1 BICOrBEI Name BIC or BEI
Typ SCLSDDAnyBICIdentifier
Document Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
+FIToFICstmrDrctDbt {0,1}
++DrctDbtTxInf
+++UltmtDbtr
++++Id
+++++OrgId
++++++BICOrBEI
+++++OrgId
++++++Othr
+++++++SchmeNm
++++++++Cd
1..1 Prtry Name Proprietary
Typ Max35Text
Document Length 1 .. 35
+FIToFICstmrDrctDbt Pattern \S+.*
++DrctDbtTxInf WhiteSpace collapse
+++UltmtDbtr
++++Id
+++++OrgId
++++++Othr
+++++++SchmeNm
++++++++Prtry
0..1 Issr Name Issuer
Typ Max35Text
Document Length 1 .. 35
+FIToFICstmrDrctDbt Pattern \S+.*
++DrctDbtTxInf WhiteSpace collapse
+++UltmtDbtr
++++Id
+++++OrgId
++++++Othr
+++++++Issr
1..1 PrvtId Name Private Identification Usage Rule: Either "Date and
Typ SCLSDDPersonIdentification5 Place of Birth" or one occurrence of
Document "Other" is allowed.
+FIToFICstmrDrctDbt
++DrctDbtTxInf
+++UltmtDbtr
++++Id
+++++PrvtId
1..1 DtAndPlcOfBirth Name Date and Place of Birth
Typ DateAndPlaceOfBirth
Document
+FIToFICstmrDrctDbt
++DrctDbtTxInf
+++UltmtDbtr
++++Id
+++++PrvtId
++++++DtAndPlcOfBirth
1..1 BirthDt Name Birth Date
Typ ISODate
Document Pattern [0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
+FIToFICstmrDrctDbt
++DrctDbtTxInf
+++UltmtDbtr
++++Id
+++++PrvtId
++++++DtAndPlcOfBirth
+++++++BirthDt
0..1 PrvcOfBirth Name Province of Birth
Typ Max35Text
Document Length 1 .. 35
+FIToFICstmrDrctDbt Pattern \S+.*
++DrctDbtTxInf WhiteSpace collapse
+++UltmtDbtr
++++Id
+++++PrvtId
++++++DtAndPlcOfBirth
+++++++PrvcOfBirth
1..1 CityOfBirth Name City of Birth
Typ Max35Text
Document Length 1 .. 35
+FIToFICstmrDrctDbt Pattern \S+.*
++DrctDbtTxInf WhiteSpace collapse
+++UltmtDbtr
++++Id
+++++PrvtId
++++++DtAndPlcOfBirth
+++++++CityOfBirth
1..1 CtryOfBirth Name Country of Birth
Typ CountryCode
Document Pattern [A-Z]{2,2}
+FIToFICstmrDrctDbt
++DrctDbtTxInf
+++UltmtDbtr
++++Id
+++++PrvtId
++++++DtAndPlcOfBirth
+++++++CtryOfBirth
1..1 Othr Name Other
Typ SCLSDDGenericPersonIdentification1
Document
+FIToFICstmrDrctDbt
++DrctDbtTxInf
+++UltmtDbtr
++++Id
+++++PrvtId
++++++Othr
1..1 Id Name Identification
Typ Max35Text
Document Length 1 .. 35
+FIToFICstmrDrctDbt Pattern \S+.*
++DrctDbtTxInf WhiteSpace collapse
+++UltmtDbtr
++++Id
+++++PrvtId
++++++Othr
+++++++Id
0..1 SchmeNm Name Scheme Name
Typ SCLSDDPersonIdentificationSchemeName1
Document Choice
+FIToFICstmrDrctDbt
++DrctDbtTxInf
+++UltmtDbtr
++++Id
+++++PrvtId
++++++Othr
+++++++SchmeNm
1..1 Cd Name Code
Typ SCLSDDExternalPersonIdentification1Code
Document Length 1 .. 4
+FIToFICstmrDrctDbt Pattern \S+.*
++DrctDbtTxInf WhiteSpace collapse
+++UltmtDbtr
++++Id
+++++PrvtId
++++++Othr
+++++++SchmeNm
++++++++Cd
1..1 Prtry Name Proprietary
Typ Max35Text
Document Length 1 .. 35
+FIToFICstmrDrctDbt Pattern \S+.*
++DrctDbtTxInf WhiteSpace collapse
+++UltmtDbtr
++++Id
+++++PrvtId
++++++Othr
+++++++SchmeNm
++++++++Prtry
0..1 Issr Name Issuer
Typ Max35Text
Document Length 1 .. 35
+FIToFICstmrDrctDbt Pattern \S+.*
++DrctDbtTxInf WhiteSpace collapse
+++UltmtDbtr
++++Id
+++++PrvtId
++++++Othr
+++++++Issr
0..1 Purp Name Purpose (AT-58 Purpose of the Collection) Purpose of the Collection
Typ SCLSDDPurpose1Choice No plausibility check if <Purpose> and
Document <Category purpose> fields both contain entries,
+FIToFICstmrDrctDbt ie SCL ignores conflicting entries.
++DrctDbtTxInf
+++Purp
1..1 Cd Name Code Purpose of the Collection in accordance with the
Typ ExternalPurpose1Code external code list (ISO 20022).
Document Length 1 .. 4
+FIToFICstmrDrctDbt Pattern \S+.* Must not exceed 4 characters.
++DrctDbtTxInf WhiteSpace collapse .
+++Purp No entry is required for submissions to the SCL,
++++Cd whereas for deliveries from the SLC an entry
may be made in the field. There is no validation
by the SCL.
0..1 RmtInf Name Remittance Information (AT-22 Remittance information Structured or unstructured remittance information
Typ SCLSDDRemittanceInformation1 from the Creditor) from the creditor.
Document (Schema validation)
+FIToFICstmrDrctDbt Usage Rule: Either 'Structured' or
++DrctDbtTxInf 'Unstructured', may be present.
+++RmtInf
1..1 Ustrd Name Unstructured Usage Rule: ‘Unstructured’ may
Typ Max140Text carry structured remittance
Document Length 1 .. 140 information, as agreed between the
+FIToFICstmrDrctDbt Pattern \S+.* Creditor and the Debtor.
++DrctDbtTxInf WhiteSpace collapse Format Rule: Only one occurrence
+++RmtInf of ‘Unstructured’ is allowed.
++++Ustrd
1..1 Strd Name Structured Format Rule: ‘Structured’ can be Structured remittance information must not
Typ SCLSDDStructuredRemittanceInformation6 used, provided the tags and the exceed 140 characters. Only information within
Document data within the ‘Structured’ element the <Strd> element is counted.
+FIToFICstmrDrctDbt do not exceed 140 characters in The elements including the contents within the
++DrctDbtTxInf length. tag <Strd> are also counted.
Error code: XT33
All ISO 20022 field options are allowed.
Memo
2. The group header does not contain instructing agent or instructed agent.
3. Within the original transaction reference, no exact copy is returned; only the following information is given.
4. The ‘number of transactions per status’ for the payments rejected by the SEPA-Clearer is provided in the ‘original group
information and status’ sequence (only negative acknowledgement).
Group header
The group header contains information required to process the entire message.
Message structure
Status Element/Attribut Format EPC references Contents and checks
(falls vorhanden) SEPA-Clearer
Document
+FIToFIPmtStsRptSCL
1..1 GrpHdr Name Group Header The group header contains general processing
Typ SCLSDDGroupHeader5 information which are needed for the processing
Document of the whole message.
+FIToFIPmtStsRptSCL
++GrpHdr
1..1 MsgId Name Message Identification SEPA-Clearer file reference.
Typ SCLSDDId7
Document Pattern ([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35}
+FIToFIPmtStsRptSCL
++GrpHdr
+++MsgId
1..1 CreDtTm Name Creation Date Time File creation date and time in the SEPA-Clearer.
Typ ISODateTime
Document
+FIToFIPmtStsRptSCL
++GrpHdr
+++CreDtTm
0..1 InstgAgt Name Instructing Agent
Typ SCLSDDBranchAndFinancialInstitutionIdentif
Document ication3
+FIToFIPmtStsRptSCL
++GrpHdr
+++InstgAgt
1..1 FinInstnId Name Financial Institution Identification
Typ SCLSDDFinancialInstitutionIdentification5Ch
Document oice
+FIToFIPmtStsRptSCL
++GrpHdr
+++InstgAgt
++++FinInstnId
1..1 BIC Name BIC
Typ BICIdentifier
Document Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
+FIToFIPmtStsRptSCL {0,1}
++GrpHdr
+++InstgAgt
++++FinInstnId
+++++BIC
0..1 InstdAgt Name Instructed Agent
Typ SCLSDDBranchAndFinancialInstitutionIdentif
Document ication3
+FIToFIPmtStsRptSCL
++GrpHdr
+++InstdAgt
1..1 FinInstnId Name Financial Institution Identification
Typ SCLSDDFinancialInstitutionIdentification5Ch
Document oice
+FIToFIPmtStsRptSCL
++GrpHdr
+++InstdAgt
++++FinInstnId
1..1 BIC Name BIC
Typ BICIdentifier
Document Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
+FIToFIPmtStsRptSCL {0,1}
++GrpHdr
+++InstdAgt
++++FinInstnId
+++++BIC
1..1 OrgnlGrpInfAndSts Name Original Group Information And Status Contains general information from the original
Typ SCLSDDOriginalGroupInformation1S2 group header which is relevant for all payments.
Document
+FIToFIPmtStsRptSCL
++OrgnlGrpInfAndSts
Acceptable Codes
PART
RJCT
1..1 StsRsnInf Name Status Reason Information
Typ SCLSDDStatusReasonInformation1
Document
+FIToFIPmtStsRptSCL
++OrgnlGrpInfAndSts
+++StsRsnInf
1..1 Orgtr Name Originator Initatior of the R-transaction.
Typ SCLSDDId5
Document
+FIToFIPmtStsRptSCL
++OrgnlGrpInfAndSts
+++StsRsnInf
++++Orgtr
1..1 Id Name Identification
Typ SCLSDDParty3Choice
Document
+FIToFIPmtStsRptSCL
++OrgnlGrpInfAndSts
+++StsRsnInf
++++Orgtr
+++++Id
1..1 OrgId Name Organisation Identification
Typ SCLSDDOrganisationIdentification2
Document
+FIToFIPmtStsRptSCL
++OrgnlGrpInfAndSts
+++StsRsnInf
++++Orgtr
+++++Id
++++++OrgId
1..1 BICOrBEI Name BIC or BEI SEPA-Clearer's BIC (production
MARKDEFF; test MARKDEF0)
Document
+FIToFIPmtStsRptSCL
++OrgnlGrpInfAndSts
+++NbOfTxsPerSts
1..1 DtldNbOfTxs Name Detailed Number Of Transactions Number of rejected transactions. Only
Typ Max15NumericText completed if <GrpSts> contains the code
Document Pattern [0-9]{1,15} ‘PART’.
+FIToFIPmtStsRptSCL
++OrgnlGrpInfAndSts
+++NbOfTxsPerSts
++++DtldNbOfTxs
1..1 DtldSts Name Detailed Status Status of transactions. Only completed if
Typ SCLSDDTransactionIndividualStatus1Code <GrpSts> contains the code ‘PART’. Here, only
Document the code RJCT is possible.
+FIToFIPmtStsRptSCL
++OrgnlGrpInfAndSts
+++NbOfTxsPerSts
++++DtldSts
Acceptable Codes
ACCP
ACSC
RJCT
1..1 DtldCtrlSum Name Detailed Control Sum Total amount of the rejected transactions. Only
Typ DecimalNumber completed if <GrpSts> contains the code
Document FractionDigits 2 ‘PART’.
+FIToFIPmtStsRptSCL TotalDigits 18
++OrgnlGrpInfAndSts Pattern [0-9]{0,15}([\.]([0-9]{0,2})){0,1}
+++NbOfTxsPerSts
++++DtldCtrlSum
0..n TxInfAndSts Name Transaction Information And Status Only completed in the case of a partial rejection.
Typ SCLSDDPaymentTransactionInformation1
Document
+FIToFIPmtStsRptSCL
++TxInfAndSts
1..1 StsId Name Status Identification Reference number of the transaction issued by
Typ SCLSDDId7 the SEPA-Clearer.
+++++Id
++++++OrgId
+++++++BICOrBEI
1..1 Rsn Name Reason
Typ SCLSDDStatusReason2Choice
Document
+FIToFIPmtStsRptSCL
++TxInfAndSts
+++StsRsnInf
++++Rsn
1..1 Cd Name Code Left blank by the SCL.
Typ SCLSDDTransactionRejectReason3Code
Document
+FIToFIPmtStsRptSCL
++TxInfAndSts
+++StsRsnInf
++++Rsn
+++++Cd
Acceptable Codes
AM01
AM02
AM05
DT01
ED05
MD01
MD02
1..1 Prtry Name Proprietary Error code of the SEPA-Clearer if the individual
Typ Max35Text transaction is rejected; may be completed using
Document Length 1 .. 35 codes defined in ISO 20022 as well as
+FIToFIPmtStsRptSCL proprietary codes. Field is formatted as follows in
++TxInfAndSts the event of certain errors: [Code] [space]
+++StsRsnInf [erroneous XML tag]
++++Rsn
+++++Prtry
0..1 InstgAgt Name Instructing Agent
+FIToFIPmtStsRptSCL {0,1}
++TxInfAndSts
+++InstdAgt
++++FinInstnId
+++++BIC
0..1 OrgnlTxRef Name Original Transaction Reference Parts of the original message (if present):
Typ SCLSDDOriginalTransactionReference1 <IntrBkSttlmAmt>: the amount of the original
Document message
+FIToFIPmtStsRptSCL <IntrBkSttlmDt>: settlement date of the original
++TxInfAndSts message
+++OrgnlTxRef <CdtrAgt>/<FinInstnId>/<BIC>: BIC of the
creditor bank
1..1 IntrBkSttlmAmt Name Interbank Settlement Amount Amount of the original message (depending on
Typ SCLSDDCurrencyAndAmount payment type):
Document FractionDigits 2 In pacs.003 = Interbank Settlement Amount
+FIToFIPmtStsRptSCL TotalDigits 18 In pacs.004 = Returned Interbank
++TxInfAndSts Inclusive 0 .. Settlement Amount.
+++OrgnlTxRef Pattern [0-9]{0,15}([\.]([0-9]{0,2})){0,1} In pacs.002 = not available
++++IntrBkSttlmAmt In camt.056 = Original Interbank Settlement
Amount
In pacs.007 = Reversed Interbank
Settlement Amount
required Attribute: Ccy Typ SCLSDDCurrencyCode
Use required
Acceptable Codes
EUR
1..1 IntrBkSttlmDt Name Interbank Settlement Date The interbank settlement date of the original
Typ ISODate message.
Document
+FIToFIPmtStsRptSCL
++TxInfAndSts
+++OrgnlTxRef
++++IntrBkSttlmDt
1..1 DbtrAgt Name Debtor Agent BIC of the debtor bank according to the original
message
++++CdtrAgt
+++++FinInstnId
1..1 BIC Name BIC
Typ BICIdentifier
Document Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
+FIToFIPmtStsRptSCL {0,1}
++TxInfAndSts
+++OrgnlTxRef
++++CdtrAgt
+++++FinInstnId
++++++BIC
Memo
Group header
The group header contains information required to process the entire message.
Message structure
Status Element/Attribut Format EPC references Contents and checks
(if available) SEPA-Clearer
Document
+FIToFIPmtStsRpt
1..1 GrpHdr Name Group Header Contains general processing information which
Typ SCLSDDGroupHeader5 applies to whole payment payment.
Document
+FIToFIPmtStsRpt
++GrpHdr
1..1 MsgId Name Message Identification (AT-R5 Specific reference of the Bulk reference number
Typ SCLSDDId7 bank which initiated the Rejection)
Document Pattern ([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35} Msgld is part of the duplication check at bulk
+FIToFIPmtStsRpt level (unique reference over 15 calendar days).
++GrpHdr Error code: B14
+++MsgId
The first 8 or 11 characters of Msgld must match
the BIC of the instructing agent in the IDF. The
rest of the field can be freely defined.
Error code: B98
1..1 CreDtTm Name Creation Date Time Bulk creation date and time.
Typ ISODateTime
Document Pattern [0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}[T][0-9]{2,2}:
+FIToFIPmtStsRpt [0-9]{2,2}:[0-9]{2,2}[\S]*
++GrpHdr
+++CreDtTm
0..1 InstgAgt Name Instructing Agent Usage Rule: Only BIC is allowed. Only to be used for submissions to the
Typ SCLSDDBranchAndFinancialInstitutionIdentif SEPA-Clearer (IDF).
Document ication3 Allocation of the BIC of the SCL participant which
+FIToFIPmtStsRpt is linked with the TARGET2 sub-account
++GrpHdr assigned for settlement with the SEPA-Clearer.
+++InstgAgt Part of duplication check (unique daily reference)
1..1 BIC Name BIC BIC may only be contained in the debit
Typ BICIdentifier notification file (DNF).
Document Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3}) Error code: B11
+FIToFIPmtStsRpt {0,1}
++GrpHdr
+++InstdAgt
++++FinInstnId
+++++BIC
1..1 OrgnlGrpInfAndSts Name Original Group Information Note: Rejection of an entire bulk is not supported
Typ SCLSDDOriginalGroupInformation1 by the SEPA-Clearer
Document
+FIToFIPmtStsRpt
++OrgnlGrpInfAndSts
1..1 OrgnlMsgId Name Original Message Identification Reference number (<MsgId>) of original bulk
Typ SCLSDDId7
Document Pattern ([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35}
+FIToFIPmtStsRpt
++OrgnlGrpInfAndSts
+++OrgnlMsgId
1..1 OrgnlMsgNmId Name Original Message Name Identification Original bulk name
Typ SCLSDDOrgnlMsgNmId May be completed with ‘pacs.003’ or
Document Pattern pacs\.003[A-Za-z0-9\.]{0,27} 'PACS.003'.
+FIToFIPmtStsRpt PACS\.003[A-Za-z0-9\.]{0,27} (Schema validation)
++OrgnlGrpInfAndSts
+++OrgnlMsgNmId
1..1 GrpSts Name GroupStatus (AT-R1 Type of R Message) Only the status ‘PART’ is permitted.
Typ SCLSDDTransactionGroupStatus1Code Usage Rule: Only ‘RJCT’ and (Schema validation)
Document ‘PART’ are allowed.
+FIToFIPmtStsRpt
++OrgnlGrpInfAndSts
+++GrpSts
1..1 Amt Name Amount (AT-R8 Amount of the Interchange The currency symbol must be ‘EUR’. (Schema
Typ SCLSDDCurrencyAndAmount_Tx Fee) validation)
Document FractionDigits 2 Usage Rule: Only ‘EUR’ is allowed.
+FIToFIPmtStsRpt TotalDigits 18 Usage Rule: Amount must be 0.01 A maximum of two decimal places may be used.
++TxInfAndSts Inclusive 0.01 .. 999999999.99 or more and 999999999.99 or less. (Schema validation)
+++ChrgsInf Pattern [0-9]{0,15}([\.]([0-9]{0,2})){0,1} Format Rule: The fractional part
++++Amt has a maximum of two digits. Amount must not exceed permitted maximum
amount (999999999.99) and must be greater
than ‘0’. (Schema validation)
required Attribute: Ccy Typ SCLSDDCurrencyCode
Use required
Acceptable Codes
EUR
1..1 Pty Name Party
Typ SCLSDDBranchAndFinancialInstitutionIdentif
Document ication3
+FIToFIPmtStsRpt
++TxInfAndSts
+++ChrgsInf
++++Pty
1..1 FinInstnId Name Financial Institution Identification (AT-13 BIC of the Debtor Bank)
Typ SCLSDDFinancialInstitutionIdentification5Ch Usage Rule: Only BIC is allowed.
Document oice
+FIToFIPmtStsRpt
++TxInfAndSts
+++ChrgsInf
++++Pty
+++++FinInstnId
1..1 BIC Name BIC
Typ BICIdentifier
Document Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
+FIToFIPmtStsRpt {0,1}
++TxInfAndSts
+++ChrgsInf
++++Pty
+++++FinInstnId
++++++BIC
0..1 InstgAgt Name Instructing Agent Usage Rule: Only BIC is allowed. Original submitter of the bulk which contain the
Typ SCLSDDBranchAndFinancialInstitutionIdentif reject .
Document ication3
+FIToFIPmtStsRpt Only to be completed in the Debit Notification
++TxInfAndSts File (DNF), not in a Input Debit File (IDF) of the
+++InstgAgt participant.
Error code: XT13
1..1 FinInstnId Name Financial Institution Identification
Typ SCLSDDFinancialInstitutionIdentification5Ch
Document oice
+FIToFIPmtStsRpt
++TxInfAndSts
+++InstgAgt
++++FinInstnId
1..1 BIC Name BIC Only permitted in DNF.
Typ BICIdentifier Error code: XT13
Document Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
+FIToFIPmtStsRpt {0,1}
++TxInfAndSts
+++InstgAgt
++++FinInstnId
+++++BIC
1..1 OrgnlTxRef Name Original Transaction Reference Mandatory Copy of original message..
Typ SCLSDDOriginalTransactionReference1 (An exact copy of all attributes of
Document the received DS-04 which is being
+FIToFIPmtStsRpt rejected)
++TxInfAndSts Usage Rule: The message
+++OrgnlTxRef elements under 'Original
Transaction Reference' must be
populated with the same value as
the message elements of the
original instruction, as defined within
the following elements.
1..1 IntrBkSttlmAmt Name Interbank Settlement Amount (AT-06 Amount of the Collection in The amount of the original direct debit.
Typ SCLSDDCurrencyAndAmount_Tx euro)
Document FractionDigits 2 The currency symbol must be ‘EUR’. (Schema
+FIToFIPmtStsRpt TotalDigits 18 validation)
++TxInfAndSts Inclusive 0.01 .. 999999999.99
+++OrgnlTxRef Pattern [0-9]{0,15}([\.]([0-9]{0,2})){0,1} A maximum of two decimal places may be used
++++IntrBkSttlmAmt due to currency symbol ‘EUR’. (Schema
validation)
1..1 CdtrSchmeId Name Creditor Scheme Identification (AT-02 Identifier of the Creditor) Identifier of creditor from the original message.
Typ SCLSDDCdtrSchmeId
Document
+FIToFIPmtStsRpt
++TxInfAndSts
+++OrgnlTxRef
++++CdtrSchmeId
1..1 Id Name Identification
Typ SCLSDDPrivateIdentification2
Document
+FIToFIPmtStsRpt
++TxInfAndSts
+++OrgnlTxRef
++++CdtrSchmeId
+++++Id
1..1 PrvtId Name Private Identification
Typ SCLSDDPrty2
Document
+FIToFIPmtStsRpt
++TxInfAndSts
+++OrgnlTxRef
++++CdtrSchmeId
+++++Id
++++++PrvtId
1..1 Othr Name Other
Typ SCLSDDId10
Document
+FIToFIPmtStsRpt
++TxInfAndSts
+++OrgnlTxRef
++++CdtrSchmeId
+++++Id
++++++PrvtId
+++++++Othr
Acceptable Codes
SEPA
0..1 SttlmInf Name Settlement Information
Typ SCLSDDSettlementInformation3
Document
+FIToFIPmtStsRpt
++TxInfAndSts
+++OrgnlTxRef
++++SttlmInf
1..1 SttlmMtd Name Settlement Method Information about the settlement mechanism.
Typ SCLSDDSettlementMethod1Code Only the code "CLRG" is allowed. (Schema
Document validation)
+FIToFIPmtStsRpt
++TxInfAndSts
+++OrgnlTxRef
++++SttlmInf
+++++SttlmMtd
Acceptable Codes
CLRG
0..1 ClrSys Name Clearing System
Typ SCLSDDClearingSystemIdentification1Choic
Document e
+FIToFIPmtStsRpt
++TxInfAndSts
+++OrgnlTxRef
++++SttlmInf
+++++ClrSys
1..1 Prtry Name Proprietary Code for the clearing system. For the
Typ Max35Text_Prtry SEPA-Clearer, only the code "SCL" is to be
Document Length 1 .. 35 used.
+FIToFIPmtStsRpt Pattern \S+.* (Schema validation)
++TxInfAndSts WhiteSpace collapse
+++OrgnlTxRef
++++SttlmInf
+++++ClrSys
++++++Prtry
Acceptable Codes
SCL
1..1 PmtTpInf Name Payment Type Information (AT-20 Identification code of the
Typ SCLSDDPaymentTypeInformation6 Scheme)
Document (AT-20 Identification code of the
+FIToFIPmtStsRpt B2B Scheme)
++TxInfAndSts (AT-21 Transaction / Sequence
+++OrgnlTxRef Type)
++++PmtTpInf (AT-59 Category purpose of the
Collection)
1..1 SvcLvl Name Serivce Level
Typ SCLSDDServiceLevel2Choice
Document
+FIToFIPmtStsRpt
++TxInfAndSts
+++OrgnlTxRef
++++PmtTpInf
+++++SvcLvl
1..1 Cd Name Code In the SEPA-Clearer, only the code ‘SEPA’ is
Typ SCLSDDServiceLevel1Code allowed. (Schema validation)
Document
+FIToFIPmtStsRpt
++TxInfAndSts
+++OrgnlTxRef
++++PmtTpInf
+++++SvcLvl
++++++Cd
Acceptable Codes
SEPA
1..1 LclInstrm Name Local Instrument Indication as to whether B2B or CORE direct
Typ SCLSDDLocalInstrument1Choice debit
Document
+FIToFIPmtStsRpt
++TxInfAndSts
+++OrgnlTxRef
++++PmtTpInf
+++++LclInstrm
1..1 Cd Name Code May only contain the codes "CORE", “COR1” or
Typ ExternalLocalInstrument1Code "B2B“.(Schema validation)
Document Length 1 .. 35
+FIToFIPmtStsRpt In a COR-File only CORE- and/or COR1-Bulks
++TxInfAndSts are permitted.
+++OrgnlTxRef In a B2B-File only B2B-Bulks are permitted.
++++PmtTpInf Error code: XT43
+++++LclInstrm
Mixed submission of B2B, CORE and COR1
++++++Cd
direct debits in a single file is not permitted.
Error code: XT43
++++++++++SchmeNm
+++++++++++Prtry
Acceptable Codes
SEPA
0..1 OrgnlDbtrAcct Name Original Debtor Account
Typ SCLSDDCashAccount8
Document
+FIToFIPmtStsRpt
++TxInfAndSts
+++OrgnlTxRef
++++MndtRltdInf
+++++AmdmntInfDtls
++++++OrgnlDbtrAcct
1..1 Id Name Identification
Typ SCLSDDAccountIdentification4Choice
Document
+FIToFIPmtStsRpt
++TxInfAndSts
+++OrgnlTxRef
++++MndtRltdInf
+++++AmdmntInfDtls
++++++OrgnlDbtrAcct
+++++++Id
1..1 IBAN Name IBAN
Typ IBANIdentifier
Document Pattern [a-zA-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,30}
+FIToFIPmtStsRpt
++TxInfAndSts
+++OrgnlTxRef
++++MndtRltdInf
+++++AmdmntInfDtls
++++++OrgnlDbtrAcct
+++++++Id
++++++++IBAN
+++++AmdmntInfDtls
++++++OrgnlDbtrAgt
+++++++FinInstnId
++++++++Othr
+++++++++Id
0..1 ElctrncSgntr Name Electronic Signature
Typ Max1025Text
Document Length 1 .. 1025
+FIToFIPmtStsRpt Pattern \S+.*
++TxInfAndSts WhiteSpace collapse
+++OrgnlTxRef
++++MndtRltdInf
+++++ElctrncSgntr
0..1 RmtInf Name Remittance Information (AT-22 Remittance information) Structured or unstructured remittance
Typ SCLSDDRemittanceInformation1 information.
Document (Schema validation)
+FIToFIPmtStsRpt
++TxInfAndSts
+++OrgnlTxRef
++++RmtInf
1..1 Ustrd Name Unstructured
Typ Max140Text
Document Length 1 .. 140
+FIToFIPmtStsRpt Pattern \S+.*
++TxInfAndSts WhiteSpace collapse
+++OrgnlTxRef
++++RmtInf
+++++Ustrd
1..1 Strd Name Structured Structured remittance information must not
Typ SCLSDDStructuredRemittanceInformation6 exceed 140 characters. Only information within
Document the <Strd> element is counted. The elements
+FIToFIPmtStsRpt including the contents within the tag <Strd> are
++TxInfAndSts also counted.
+++OrgnlTxRef Error code: XT33
++++RmtInf
+++++Strd All ISO 20022 field options are allowed
Document
+FIToFIPmtStsRpt
++TxInfAndSts
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++OrgId
+++++++Othr
1..1 Id Name Identification
Typ Max35Text
Document Length 1 .. 35
+FIToFIPmtStsRpt Pattern \S+.*
++TxInfAndSts WhiteSpace collapse
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++OrgId
+++++++Othr
++++++++Id
0..1 SchmeNm Name Scheme Name
Typ SCLSDDOrganisationIdentificationSchemeN
Document ame1Choice
+FIToFIPmtStsRpt
++TxInfAndSts
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++OrgId
+++++++Othr
++++++++SchmeNm
1..1 Cd Name Code
Typ SCLSDDExternalOrganisationIdentification1
Document Code
+FIToFIPmtStsRpt Length 1 .. 4
++TxInfAndSts Pattern \S+.*
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++PrvtId
1..1 DtAndPlcOfBirth Name Date and Place of Birth
Typ DateAndPlaceOfBirth
Document
+FIToFIPmtStsRpt
++TxInfAndSts
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++PrvtId
+++++++DtAndPlcOfBirth
1..1 BirthDt Name Birth Date
Typ ISODate
Document Pattern [0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
+FIToFIPmtStsRpt
++TxInfAndSts
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++PrvtId
+++++++DtAndPlcOfBirth
++++++++BirthDt
0..1 PrvcOfBirth Name Province of Birth
Typ Max35Text
Document Length 1 .. 35
+FIToFIPmtStsRpt Pattern \S+.*
++TxInfAndSts WhiteSpace collapse
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++PrvtId
+++++++DtAndPlcOfBirth
++++++++PrvcOfBirth
Document Length 1 .. 35
+FIToFIPmtStsRpt Pattern \S+.*
++TxInfAndSts WhiteSpace collapse
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++PrvtId
+++++++Othr
++++++++Id
0..1 SchmeNm Name Scheme Name
Typ SCLSDDPersonIdentificationSchemeName1
Document Choice
+FIToFIPmtStsRpt
++TxInfAndSts
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++PrvtId
+++++++Othr
++++++++SchmeNm
1..1 Cd Name Code
Typ SCLSDDExternalPersonIdentification1Code
Document Length 1 .. 4
+FIToFIPmtStsRpt Pattern \S+.*
++TxInfAndSts WhiteSpace collapse
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++PrvtId
+++++++Othr
++++++++SchmeNm
+++++++++Cd
1..1 Prtry Name Proprietary
Typ Max35Text
Document Length 1 .. 35
+++OrgnlTxRef
++++Dbtr
+++++Id
++++++PrvtId
+++++++DtAndPlcOfBirth
1..1 BirthDt Name Birth Date
Typ ISODate
Document Pattern [0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
+FIToFIPmtStsRpt
++TxInfAndSts
+++OrgnlTxRef
++++Dbtr
+++++Id
++++++PrvtId
+++++++DtAndPlcOfBirth
++++++++BirthDt
0..1 PrvcOfBirth Name Province of Birth
Typ Max35Text
Document Length 1 .. 35
+FIToFIPmtStsRpt Pattern \S+.*
++TxInfAndSts WhiteSpace collapse
+++OrgnlTxRef
++++Dbtr
+++++Id
++++++PrvtId
+++++++DtAndPlcOfBirth
++++++++PrvcOfBirth
1..1 CityOfBirth Name City of Birth
Typ Max35Text
Document Length 1 .. 35
+FIToFIPmtStsRpt Pattern \S+.*
++TxInfAndSts WhiteSpace collapse
+++OrgnlTxRef
++++Dbtr
+++++Id
++++++PrvtId
+++++++DtAndPlcOfBirth
++++++++CityOfBirth
+FIToFIPmtStsRpt
++TxInfAndSts
+++OrgnlTxRef
++++CdtrAcct
+++++Id
++++++IBAN
0..1 UltmtCdtr Name Ultimate Creditor (AT-38 Name of the Creditor
Typ SCLSDDPartyIdentification10 Reference Party)
Document (AT-39 Identification code of the
+FIToFIPmtStsRpt Creditor Reference Party)
++TxInfAndSts
+++OrgnlTxRef
++++UltmtCdtr
0..1 Nm Name Name Name of ultimate creditor
Typ Max70Text
Document Length 1 .. 70
+FIToFIPmtStsRpt Pattern \S+.*
++TxInfAndSts WhiteSpace collapse
+++OrgnlTxRef
++++UltmtCdtr
+++++Nm
0..1 PstlAdr Name Postal Address
Typ SCLSDDPostalAddress1
Document
+FIToFIPmtStsRpt
++TxInfAndSts
+++OrgnlTxRef
++++UltmtCdtr
+++++PstlAdr
0..1 Ctry Name Country
Typ CountryCode
Document Pattern [A-Z]{2,2}
+FIToFIPmtStsRpt
++TxInfAndSts
+++OrgnlTxRef
++++UltmtCdtr
+++++PstlAdr
++++++Ctry
++++UltmtCdtr
+++++Id
++++++PrvtId
+++++++Othr
1..1 Id Name Identification
Typ Max35Text
Document Length 1 .. 35
+FIToFIPmtStsRpt Pattern \S+.*
++TxInfAndSts WhiteSpace collapse
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++PrvtId
+++++++Othr
++++++++Id
0..1 SchmeNm Name Scheme Name
Typ SCLSDDPersonIdentificationSchemeName1
Document Choice
+FIToFIPmtStsRpt
++TxInfAndSts
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++PrvtId
+++++++Othr
++++++++SchmeNm
1..1 Cd Name Code
Typ SCLSDDExternalPersonIdentification1Code
Document Length 1 .. 4
+FIToFIPmtStsRpt Pattern \S+.*
++TxInfAndSts WhiteSpace collapse
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++PrvtId
+++++++Othr
++++++++SchmeNm
+++++++++Cd
Memo
Assignment
The “assignment” contains information required to process the entire message.
Message structure
Status Element/Attribut Format EPC references Contents and checks
(if available) SEPA-Clearer
1..1 BIC Name BIC IDF: must not be completed for transmission.
Typ BICIdentifier Error code: XT13
Document Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
+FIToFIPmtCxlReq {0,1} DNF: for delivery from the SCL, to be completed
++Undrlyg with the BIC of the submitter of the bulk which
+++TxInf contain the cancellation.
++++Assgnr
+++++FinInstnId
++++++BIC
1..1 CxlRsnInf Name Cancellation Reason Information Information on the reason for cancellation
Typ SCLSDDCancellationReasonInformation3
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++CxlRsnInf
1..1 Orgtr Name Originator BIC or name of the institution requesting the
Typ SCLSDDId5 cancellation
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++CxlRsnInf
+++++Orgtr
1..1 Nm Name Name Name of the institution requesting the
Typ Max70Text cancellation
Document Length 1 .. 70
+FIToFIPmtCxlReq Pattern \S+.*
++Undrlyg WhiteSpace collapse
+++TxInf
++++CxlRsnInf
+++++Orgtr
++++++Nm
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++MndtRltdInf
++++++AmdmntInfDtls
+++++++OrgnlCdtrSchmeId
++++++++Id
+++++++++PrvtId
++++++++++Othr
+++++++++++SchmeNm
1..1 Prtry Name Proprietary Entry according to original payment.
Typ SCLSDDId9 (Schema validation)
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++MndtRltdInf
++++++AmdmntInfDtls
+++++++OrgnlCdtrSchmeId
++++++++Id
+++++++++PrvtId
++++++++++Othr
+++++++++++SchmeNm
++++++++++++Prtry
Acceptable Codes
SEPA
0..1 OrgnlDbtrAcct Name Orignial Debtor Account
Typ SCLSDDCashAccount8
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++MndtRltdInf
++++++AmdmntInfDtls
+++++++OrgnlDbtrAcct
+++TxInf
++++OrgnlTxRef
+++++RmtInf
++++++Strd
0..1 CdtrRefInf Typ CreditorReferenceInformation2
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++RmtInf
++++++Strd
+++++++CdtrRefInf
0..1 Tp Typ CreditorReferenceType2
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++RmtInf
++++++Strd
+++++++CdtrRefInf
++++++++Tp
1..1 CdOrPrtry Typ CreditorReferenceType1Choice
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++RmtInf
++++++Strd
+++++++CdtrRefInf
++++++++Tp
+++++++++CdOrPrtry
1..1 Cd Typ DocumentType3Code
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++RmtInf
++++++Strd
+++++++CdtrRefInf
++++++++Tp
+++++++++CdOrPrtry
++++++++++Cd
Acceptable Codes
SCOR
0..1 Issr Typ Max35Text
Length 1 .. 35
Document Pattern \S+.*
+FIToFIPmtCxlReq WhiteSpace collapse
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++RmtInf
++++++Strd
+++++++CdtrRefInf
++++++++Tp
+++++++++Issr
0..1 Ref Typ Max35Text
Length 1 .. 35
Document Pattern \S+.*
+FIToFIPmtCxlReq WhiteSpace collapse
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++RmtInf
++++++Strd
+++++++CdtrRefInf
++++++++Ref
0..1 UltmtDbtr Name Ultimate Debtor Ultimate debtor All sub-elements from the original
Typ SCLSDDPartyIdentification32 payment are supported.
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
0..1 Nm Name Name
Typ Max70Text
Document Length 1 .. 70
+FIToFIPmtCxlReq Pattern \S+.*
++Undrlyg WhiteSpace collapse
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Nm
0..1 Id Name Identification
Typ SCLSDDParty6Choice
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
1..1 OrgId Name Organisation Identification
Typ SCLSDDOrganisationIdentification41
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++OrgId
1..1 BICOrBEI Name BIC Or BEI
Typ AnyBICIdentifier
Document Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
+FIToFIPmtCxlReq {0,1}
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++OrgId
++++++++BICOrBEI
1..1 Othr Name Other
Typ SCLSDDGenericOrganisationIdentification1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++OrgId
++++++++Othr
1..1 Id Name Identification
Typ Max35Text
Document Length 1 .. 35
+FIToFIPmtCxlReq Pattern \S+.*
++Undrlyg WhiteSpace collapse
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++Id
0..1 SchmeNm Name Scheme Name
Typ SCLSDDOrganisationIdentificationSchemeN
Document ame1Choice
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++SchmeNm
1..1 Cd Name Code
Typ SCLSDDExternalOrganisationIdentification1
Document Code
+FIToFIPmtCxlReq Length 1 .. 4
++Undrlyg Pattern \S+.*
+++TxInf WhiteSpace collapse
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++SchmeNm
++++++++++Cd
1..1 Prtry Name Proprietary
Typ Max35Text
Document Length 1 .. 35
+FIToFIPmtCxlReq Pattern \S+.*
++Undrlyg WhiteSpace collapse
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++SchmeNm
++++++++++Prtry
0..1 Issr Name Issuer
Typ Max35Text
Document Length 1 .. 35
+FIToFIPmtCxlReq Pattern \S+.*
++Undrlyg WhiteSpace collapse
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++Issr
1..1 PrvtId Name Private Identification
Typ SCLSDDPersonIdentification5
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
1..1 DtAndPlcOfBirth Name Date And Place Of Birth
Typ DateAndPlaceOfBirth
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
++++++++DtAndPlcOfBirth
1..1 BirthDt Name Birth Date
Typ ISODate
Document Pattern [0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
++++++++DtAndPlcOfBirth
+++++++++BirthDt
0..1 PrvcOfBirth Name Province Of Birth
Typ Max35Text
Document Length 1 .. 35
+FIToFIPmtCxlReq Pattern \S+.*
++Undrlyg WhiteSpace collapse
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
++++++++DtAndPlcOfBirth
+++++++++PrvcOfBirth
1..1 CityOfBirth Name City Of Birth
Typ Max35Text
Document Length 1 .. 35
+FIToFIPmtCxlReq Pattern \S+.*
++Undrlyg WhiteSpace collapse
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
++++++++DtAndPlcOfBirth
+++++++++CityOfBirth
1..1 CtryOfBirth Name Country Of Birth
Typ CountryCode
Document Pattern [A-Z]{2,2}
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
++++++++DtAndPlcOfBirth
+++++++++CtryOfBirth
1..1 Othr Name Other
Typ SCLSDDGenericPersonIdentification1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
++++++++Othr
1..1 Id Name Identification
Typ Max35Text
Document Length 1 .. 35
+FIToFIPmtCxlReq Pattern \S+.*
++Undrlyg WhiteSpace collapse
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++Id
0..1 SchmeNm Name Scheme Name
Typ SCLSDDPersonIdentificationSchemeName1
Document Choice
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++SchmeNm
1..1 Cd Name Code
Typ SCLSDDExternalPersonIdentification1Code
Document Length 1 .. 4
+FIToFIPmtCxlReq Pattern \S+.*
++Undrlyg WhiteSpace collapse
+++TxInf
++++OrgnlTxRef
+++++UltmtDbtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++SchmeNm
++++++++++Cd
1..1 Prtry Name Proprietary
Typ Max35Text
Document Length 1 .. 35
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Nm
0..1 PstlAdr Name Postal Address Address of debtor
Typ SCLSDDPostalAddress1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++PstlAdr
0..1 Ctry Name Country
Typ CountryCode
Document Pattern [A-Z]{2,2}
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++PstlAdr
+++++++Ctry
0..2 AdrLine Name Address Line
Typ Max70Text
Document Length 1 .. 70
+FIToFIPmtCxlReq Pattern \S+.*
++Undrlyg WhiteSpace collapse
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++PstlAdr
+++++++AdrLine
0..1 Id Name Identification
Typ SCLSDDParty6Choice
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
1..1 OrgId Name Organisation Identification
Typ SCLSDDOrganisationIdentification41
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++OrgId
1..1 BICOrBEI Name BIC Or BEI
Typ AnyBICIdentifier
Document Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
+FIToFIPmtCxlReq {0,1}
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++OrgId
++++++++BICOrBEI
1..1 Othr Name Other
Typ SCLSDDGenericOrganisationIdentification1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++OrgId
++++++++Othr
1..1 Id Name Identification
Typ Max35Text
Document Length 1 .. 35
+FIToFIPmtCxlReq Pattern \S+.*
++Undrlyg WhiteSpace collapse
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++Id
0..1 SchmeNm Name Scheme Name
Typ SCLSDDOrganisationIdentificationSchemeN
Document ame1Choice
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++SchmeNm
1..1 Cd Name Code
Typ SCLSDDExternalOrganisationIdentification1
Document Code
+FIToFIPmtCxlReq Length 1 .. 4
++Undrlyg Pattern \S+.*
+++TxInf WhiteSpace collapse
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++SchmeNm
++++++++++Cd
1..1 Prtry Name Proprietary
Typ Max35Text
Document Length 1 .. 35
+FIToFIPmtCxlReq Pattern \S+.*
++Undrlyg WhiteSpace collapse
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++SchmeNm
++++++++++Prtry
0..1 Issr Name Issuer
Typ Max35Text
Document Length 1 .. 35
+FIToFIPmtCxlReq Pattern \S+.*
++Undrlyg WhiteSpace collapse
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++Issr
1..1 PrvtId Name Private Identification
Typ SCLSDDPersonIdentification5
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
1..1 DtAndPlcOfBirth Name Date And Place Of Birth
Typ DateAndPlaceOfBirth
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
++++++++DtAndPlcOfBirth
1..1 BirthDt Name Birth Date
Typ ISODate
Document Pattern [0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
++++++++DtAndPlcOfBirth
+++++++++BirthDt
0..1 PrvcOfBirth Name Province Of Birth
Typ Max35Text
Document Length 1 .. 35
+FIToFIPmtCxlReq Pattern \S+.*
++Undrlyg WhiteSpace collapse
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
++++++++DtAndPlcOfBirth
+++++++++PrvcOfBirth
1..1 CityOfBirth Name City Of Birth
Typ Max35Text
Document Length 1 .. 35
+FIToFIPmtCxlReq Pattern \S+.*
++Undrlyg WhiteSpace collapse
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
++++++++DtAndPlcOfBirth
+++++++++CityOfBirth
1..1 CtryOfBirth Name Country Of Birth
Typ CountryCode
Document Pattern [A-Z]{2,2}
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
++++++++DtAndPlcOfBirth
+++++++++CtryOfBirth
1..1 Othr Name Other
Typ SCLSDDGenericPersonIdentification1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
++++++++Othr
1..1 Id Name Identification
Typ Max35Text
Document Length 1 .. 35
+FIToFIPmtCxlReq Pattern \S+.*
++Undrlyg WhiteSpace collapse
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++Id
0..1 SchmeNm Name Scheme Name
Typ SCLSDDPersonIdentificationSchemeName1
Document Choice
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++SchmeNm
1..1 Cd Name Code
Typ SCLSDDExternalPersonIdentification1Code
Document Length 1 .. 4
+FIToFIPmtCxlReq Pattern \S+.*
++Undrlyg WhiteSpace collapse
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++SchmeNm
++++++++++Cd
1..1 Prtry Name Proprietary
Typ Max35Text
Document Length 1 .. 35
+FIToFIPmtCxlReq Pattern \S+.*
++Undrlyg WhiteSpace collapse
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++SchmeNm
++++++++++Prtry
0..1 Issr Name Issuer
Typ Max35Text
Document Length 1 .. 35
+FIToFIPmtCxlReq Pattern \S+.*
++Undrlyg WhiteSpace collapse
+++TxInf
++++OrgnlTxRef
+++++Dbtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++Issr
1..1 DbtrAcct Name Debtor Account Account of debtor.
Typ SCLSDDCashAccount16
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++DbtrAcct
1..1 Id Name Identification
Typ SCLSDDAccountIdentification4Choice
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++DbtrAcct
++++++Id
1..1 IBAN Name IBAN Entry according to original payment
Typ IBAN2007Identifier
Document Pattern [A-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,30}
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++DbtrAcct
++++++Id
+++++++IBAN
1..1 DbtrAgt Name Debtor Agent Credit institution of debtor
Typ SCLSDDBranchAndFinancialInstitutionIdentif
Document ication4
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++DbtrAgt
1..1 FinInstnId Name Financial Institution Identification
Typ SCLSDDFinancialInstitutionIdentification7
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++DbtrAgt
++++++FinInstnId
1..1 BIC Name BIC Entry according to original payment.
Typ BICIdentifier Validity of BIC using SEPA BIC
Document Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3}) Directory. Error code: XT27
+FIToFIPmtCxlReq {0,1}
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++DbtrAgt
++++++FinInstnId
+++++++BIC
1..1 CdtrAgt Name Creditor Agent Credit institution of creditor
Typ SCLSDDBranchAndFinancialInstitutionIdentif
Document ication4
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++CdtrAgt
1..1 FinInstnId Name Financial Institution Identification
Typ SCLSDDFinancialInstitutionIdentification7
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++CdtrAgt
++++++FinInstnId
1..1 BIC Name BIC Entry according to original payment
++++++Id
1..1 IBAN Name IBAN Entry according to original payment
Typ IBAN2007Identifier
Document Pattern [A-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,30}
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++CdtrAcct
++++++Id
+++++++IBAN
0..1 UltmtCdtr Name Ultimate Creditor Ultimate Creditor. All sub-elements from the
Typ SCLSDDPartyIdentification32 original payment are supported.
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
0..1 Nm Name Name
Typ Max70Text
Document Length 1 .. 70
+FIToFIPmtCxlReq Pattern \S+.*
++Undrlyg WhiteSpace collapse
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Nm
0..1 Id Name Identification
Typ SCLSDDParty6Choice
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
1..1 OrgId Name Organisation Identification
Typ SCLSDDOrganisationIdentification41
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++OrgId
1..1 BICOrBEI Name BIC Or BEI
Typ AnyBICIdentifier
Document Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
+FIToFIPmtCxlReq {0,1}
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++OrgId
++++++++BICOrBEI
1..1 Othr Name Other
Typ SCLSDDGenericOrganisationIdentification1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++OrgId
++++++++Othr
1..1 Id Name Identification
++++++++++Cd
1..1 Prtry Name Proprietary
Typ Max35Text
Document Length 1 .. 35
+FIToFIPmtCxlReq Pattern \S+.*
++Undrlyg WhiteSpace collapse
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++SchmeNm
++++++++++Prtry
0..1 Issr Name Issuer
Typ Max35Text
Document Length 1 .. 35
+FIToFIPmtCxlReq Pattern \S+.*
++Undrlyg WhiteSpace collapse
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++OrgId
++++++++Othr
+++++++++Issr
1..1 PrvtId Name Private Identification
Typ SCLSDDPersonIdentification5
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++PrvtId
1..1 DtAndPlcOfBirth Name Date And Place Of Birth
Typ DateAndPlaceOfBirth
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++PrvtId
++++++++DtAndPlcOfBirth
1..1 BirthDt Name Birth Date
Typ ISODate
Document Pattern [0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++PrvtId
++++++++DtAndPlcOfBirth
+++++++++BirthDt
0..1 PrvcOfBirth Name Province Of Birth
Typ Max35Text
Document Length 1 .. 35
+FIToFIPmtCxlReq Pattern \S+.*
++Undrlyg WhiteSpace collapse
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++PrvtId
++++++++DtAndPlcOfBirth
+++++++++PrvcOfBirth
1..1 CityOfBirth Name City Of Birth
Typ Max35Text
Document Length 1 .. 35
+FIToFIPmtCxlReq Pattern \S+.*
++Undrlyg WhiteSpace collapse
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++PrvtId
++++++++DtAndPlcOfBirth
+++++++++CityOfBirth
1..1 CtryOfBirth Name Country Of Birth
Typ CountryCode
Document Pattern [A-Z]{2,2}
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++PrvtId
++++++++DtAndPlcOfBirth
+++++++++CtryOfBirth
1..1 Othr Name Other
Typ SCLSDDGenericPersonIdentification1
Document
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++PrvtId
++++++++Othr
1..1 Id Name Identification
Typ Max35Text
Document Length 1 .. 35
+FIToFIPmtCxlReq Pattern \S+.*
++Undrlyg WhiteSpace collapse
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++Id
0..1 SchmeNm Name Scheme Name
Typ SCLSDDPersonIdentificationSchemeName1
Document Choice
+FIToFIPmtCxlReq
++Undrlyg
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++SchmeNm
1..1 Cd Name Code
Typ SCLSDDExternalPersonIdentification1Code
Document Length 1 .. 4
+FIToFIPmtCxlReq Pattern \S+.*
++Undrlyg WhiteSpace collapse
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++SchmeNm
++++++++++Cd
1..1 Prtry Name Proprietary
Typ Max35Text
Document Length 1 .. 35
+FIToFIPmtCxlReq Pattern \S+.*
++Undrlyg WhiteSpace collapse
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++SchmeNm
++++++++++Prtry
0..1 Issr Name Issuer
Typ Max35Text
Document Length 1 .. 35
+FIToFIPmtCxlReq Pattern \S+.*
++Undrlyg WhiteSpace collapse
+++TxInf
++++OrgnlTxRef
+++++UltmtCdtr
++++++Id
+++++++PrvtId
++++++++Othr
+++++++++Issr
Memo
SEPA Direct Debit – Interbank Return Direct Debit Return/Refund of a Collection (DS-05)
Group header
The group header contains information required to process the entire message.
Message structure
Status Element/Attribut Format EPC references Contents and checks
(if available) SEPA-Clearer
Document
+PmtRtr
1..1 GrpHdr Name Group Header The group header contains general processing
Typ SCLSDDGroupHeader6 information which applies to the whole payment.
Document
+PmtRtr
++GrpHdr
1..1 MsgId Name Message Identification Bulk reference number.
Typ SCLSDDId7
Document Pattern ([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35} <MsgId> is part of the duplication check at bulk
+PmtRtr level
++GrpHdr Error code: B14
+++MsgId
The first 8 or 11 characters of Msgld must match
the BIC of the instructing agent in the IDF. The
rest of the field can be freely defined.
Error code: B98
1..1 CreDtTm Name Creation Date Time Bulk creation date and time.
Typ ISODateTime
Document Pattern [0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}[T][0-9]{2,2}:
+PmtRtr [0-9]{2,2}:[0-9]{2,2}[\S]*
++GrpHdr
+++CreDtTm
1..1 NbOfTxs Name Number Of Transactions Total number of single transactions in the bulk.
Typ Max15NumericText
Document Pattern [0-9]{1,15} Must not exceed 100,000 (maximum parameter
+PmtRtr of data records in the bulk).
++GrpHdr Error code: B02
+++NbOfTxs
Total number of data records must be equal to
the actual number of individual data records in
the bulk.
Error code: B03
1..1 TtlRtrdIntrBkSttlmAmt Name Total Returned Interbank Settlement Amount Mandatory Total number of single transactions in the bulk.
Typ SCLSDDCurrencyAndAmount_Total Usage Rule: Only 'EUR' is allowed.
Document FractionDigits 2 Usage Rule: Amount must be 0.01 Integer value of up to 15 characters allowed.
+PmtRtr TotalDigits 18 or more and 999999999999999.99 Maximum number of decimal places allowed
++GrpHdr Inclusive 0.01 .. 999999999999999. or less. remains two.
+++TtlRtrdIntrBkSttlmAmt 99 Format Rule: The fractional part (Schema validation)
Pattern [0-9]{0,15}([\.]([0-9]{0,2})){0,1} has a maximum of two digits.
Currency designation is always ‘EUR’.(Schema
validation)
1..1 Prtry Name Proprietary Code for the clearing system. For the
Typ Max35Text_Prtry SEPA-Clearer, only the entry ‘SCL’ is allowed.
Document Length 1 .. 35 (Schema validation)
+PmtRtr Pattern \S+.*
++GrpHdr WhiteSpace collapse
+++SttlmInf
++++ClrSys
+++++Prtry
Acceptable Codes
SCL
0..1 InstgAgt Name Instructing Agent Usage Rule: Only BIC is allowed. Only to be used for submissions to the
Typ SCLSDDBranchAndFinancialInstitutionIdentif SEPA-Clearer.
Document ication3 Allocation of the BIC of the SCL participant which
+PmtRtr is linked with the TARGET2 sub-account
++GrpHdr assigned for settlement with the SEPA-Clearer.
+++InstgAgt
Part of duplication check at bulk level.
Error code: AM05
1..1 FinInstnId Name Financial Institution Identification
Typ SCLSDDFinancialInstitutionIdentification5Ch
Document oice
+PmtRtr
++GrpHdr
+++InstgAgt
++++FinInstnId
1..1 BIC Name BIC BIC must be contained in Input Debit File (IDF).
Typ BICIdentifier
Document Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3}) Error code: B10
+PmtRtr {0,1}
++GrpHdr
+++InstgAgt
++++FinInstnId
+++++BIC
0..1 InstdAgt Name Instructed Agent Usage Rule: Only BIC is allowed. Only to be used for deliveries from the
Typ SCLSDDBranchAndFinancialInstitutionIdentif SEPA-Clearer.
Document ication3 Allocation of the BIC of the SCL participant which
+PmtRtr is linked with the TARGET2 sub-account
++GrpHdr assigned for settlement with the SEPA-Clearer.
+++InstdAgt
1..1 FinInstnId Typ SCLSDDFinancialInstitutionIdentification5Ch
oice
Document
+PmtRtr
++GrpHdr
+++InstdAgt
++++FinInstnId
1..1 BIC Name Instructed Agent BIC may only present in the Settled Debit
Typ BICIdentifier File(SDF).
Document Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3}) Fehlercode: B11
+PmtRtr {0,1}
++GrpHdr
+++InstdAgt
++++FinInstnId
+++++BIC
1..n TxInf Name Transaction Information Mandatory Maximum of 100,000 data records in the bulk.
Typ SCLSDDPaymentTransactionInformation2
Document
+PmtRtr
++TxInf
1..1 RtrId Name Return Identification Mandatory Reference number of the transaction given by
Document Typ SCLSDDId7 (AT-R5 Specific Reference of the the bank initiating the return.
+PmtRtr Pattern ([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35} Bank Initiating the Return/Refund)
Return Id is part of the duplication check at single
++TxInf
record level.
+++RtrId Error code: AM05
1..1 OrgnlGrpInf Name Original Group Information Usage Rule: Element ‘Original Information from the original bulk in which the
Typ SCLSDDOriginalGroupInformation3 Group Information’ must be present original message was enclosed.
Document either in 2.2.3 ‘Original Group
+PmtRtr Information’ or in 2.2.4 ‘Transaction
++TxInf Information’.
+++OrgnlGrpInf
1..1 OrgnlMsgId Name Original Message Identification Reference (<Msgld>) of original pacs.003 bulk.
Typ SCLSDDId7 In the case of deliveries from the SCL which
Document Pattern ([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35} result from submissions from another CSM, the
+PmtRtr entry ‘UNMATCHED’ is allowed where
++TxInf necessary
+++OrgnlGrpInf
++++OrgnlMsgId
1..1 OrgnlMsgNmId Name Original Message Name Identification Name of the rejected original message.
Typ SCLSDDOrgnlMsgNmId Usage rule: may be completed with “pacs.003”
Document Pattern pacs\.003[A-Za-z0-9\.]{0,27} or “PACS.003”, where necessary with additional
+PmtRtr PACS\.003[A-Za-z0-9\.]{0,27} further characters in accordance with schema
++TxInf validation.
+++OrgnlGrpInf
++++OrgnlMsgNmId
0..1 OrgnlInstrId Name Original Instruction Identification Usage Rule: Mandatory if provided The ‘original instruction ID’ of the underlying
Typ SCLSDDId7 in the original instruction. pacs.003.
Document Pattern ([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35} Is only given here if it already existed in the
+PmtRtr original direct debit.
++TxInf
+++OrgnlInstrId
1..1 OrgnlEndToEndId Name Original End To End Identification Mandatory The original creditor reference, End to End Id of
Typ Max35Text (AT-10 Creditor's reference to the the original direct debit.
Document Length 1 .. 35 collection)
+PmtRtr Pattern \S+.*
++TxInf WhiteSpace collapse
+++OrgnlEndToEndId
1..1 OrgnlTxId Name Original Transaction Identification Mandatory Original reference of the creditor bank.
Typ SCLSDDId7 (AT-43 Creditor bank's reference of Transaction Id (TxId) of the original message.
Document Pattern ([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35} the Collection)
+PmtRtr Usage Rule: Must contain a Where applicable error code XT74 or XT75, if
++TxInf reference that is meaningful to the payment is forwarded to another CSM..
+++OrgnlTxId Creditor's Bank and is unique over
time.
1..1 OrgnlIntrBkSttlmAmt Name Original Interbank Settlement Amount Mandatory Original amount of original direct debit.
Typ SCLSDDCurrencyAndAmount_Tx (AT-06 Amount of the Collection in
Document FractionDigits 2 euro) Only ‘EUR’ is permitted as the currency
+PmtRtr TotalDigits 18 Usage Rule: Amount must be 0.01 designation.
++TxInf Inclusive 0.01 .. 999999999.99 or more and 999999999.99 or less. (Schema validation)
+++OrgnlIntrBkSttlmAmt Pattern [0-9]{0,15}([\.]([0-9]{0,2})){0,1} Format Rule: The fractional part
has a maximum of two digits. A maximum of two decimal places is permitted
(Schema validation)
1..1 Cd Name Code See Message Element All acceptable return/refund codes according to
Typ SCLSDDTransactionRejectReason2Code Specifications below. the EPC’s IGs
Document (schema validation).
+PmtRtr
++TxInf For refund payments, only the codes ‘MD01’ and
+++RtrRsnInf ‘MD06’ are allowed.
++++Rsn Error code: XT76
+++++Cd
The Code ‘AC13’ is only allowed to be used in
the SEPA B2B DIrect Debit Scheme.
Error code: XT33
1..1 OrgnlTxRef Name Original Transaction Reference Mandatory Informations of returned original message.
Typ SCLSDDOriginalTransactionReference1 (An exact copy of all attributes of
Document the received DS-04 which is being
+PmtRtr returned)
++TxInf
+++OrgnlTxRef Usage Rule: The message
elements under 'Original
Transaction Reference' must be
populated with the same value as
the message elements of the
original instruction as defined within
the following elements.
1..1 IntrBkSttlmDt Name Interbank Settlement Date (AT-26 Settlement Date of the Settlement date of the original direct debit.
Typ ISODate Collection) Where applicable, error code XT74, if payment is
Document Pattern [0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2} forwarded via another CSM.
+PmtRtr The date of the original direct debit must be the
++TxInf same or before the date of <IntrBkSttlmDt> in
+++OrgnlTxRef <GrpHdr>.
++++IntrBkSttlmDt Error code: DT01
1..1 ReqdColltnDt Name Requested Collection Date (AT-11 Due date of the Collection) Due date of the collection of the original direct
Typ ISODate debit.
Document Pattern [0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
+PmtRtr
++TxInf
+++OrgnlTxRef
++++ReqdColltnDt
1..1 CdtrSchmeId Name Creditor Scheme Identification (AT-02 Identifier of the Creditor) Identifier of the creditor from the original
Typ SCLSDDCdtrSchmeId message..
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++CdtrSchmeId
Acceptable Codes
B2B
COR1
CORE
1..1 SeqTp Name Sequence Type Direct debit sequence type
Typ SCLSDDSequenceType1Code (Schema validation)
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++PmtTpInf
+++++SeqTp
Acceptable Codes
FNAL
FRST
OOFF
RCUR
0..1 CtgyPurp Name Category Purpose Purpose of the transaction
Typ CategoryPurpose1Choice
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++PmtTpInf
+++++CtgyPurp
1..1 Cd Name Code
Typ ExternalCategoryPurpose1Code
Document Length 1 .. 4
+PmtRtr Pattern \S+.*
++TxInf WhiteSpace collapse
+++OrgnlTxRef
++++PmtTpInf
+++++CtgyPurp
++++++Cd
0..1 RmtInf Name Remittance Information (AT-22 Remittance Information) Structured or unstructured remittance
Typ SCLSDDRemittanceInformation1 information.
Document (Schema validation)
+PmtRtr
++TxInf
+++OrgnlTxRef
++++RmtInf
1..1 Ustrd Name Unstructured Usage Rule: 'Unstructured' may
Typ Max140Text carry structured remittance
Document Length 1 .. 140 information, as agreed between the
+PmtRtr Pattern \S+.* Creditor and the Debtor.
++TxInf WhiteSpace collapse Usage Rule: Only one occurrence
+++OrgnlTxRef of 'Unstructured' is allowed.
++++RmtInf
+++++Ustrd
1..1 Strd Name Structured Format Rule: 'Structured' can be Structured remittance information must not
Typ SCLSDDStructuredRemittanceInformation6 used, provided the tags and data exceed 140 characters. Only information within
Document do not exceed 140 characters in the <Strd> and </Strd> elements is counted. All
+PmtRtr length. tags and their contents located in this area are
++TxInf Usage Rule: Only one occurrence counted.
+++OrgnlTxRef of 'Structured' is allowed. Error code: XT33
++++RmtInf
+++++Strd All ISO 20022 field options are allowed.
0..1 CdtrRefInf Name Creditor Reference Information
Typ SCLSDDCreditorReferenceInformation2
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++RmtInf
+++++Strd
++++++CdtrRefInf
1..1 BIC Name BIC Check only if the direct debit is forwarded from the
Typ BICIdentifier SEPA-Clearer to STEP2: BIC must belong to a
Document Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3}) registered reachable BIC of the respective
+PmtRtr {0,1} STEP2 SDD Service via the Deutsche
++TxInf Bundesbank.
+++OrgnlTxRef Error code: PY01
++++DbtrAgt
+++++FinInstnId
Debtor agent BIC is included in the duplication
++++++BIC
check at single record level.
Error code: AM05
1..1 CdtrAgt Name Creditor Agent (AT-12 BIC of the Creditor Bank) BIC of the Creditor Bank
Typ SCLSDDBranchAndFinancialInstitutionIdentif
Document ication3
+PmtRtr
++TxInf
+++OrgnlTxRef
++++CdtrAgt
1..1 FinInstnId Name Financial Institution Identification
Typ SCLSDDFinancialInstitutionIdentification5Ch
Document oice
+PmtRtr
++TxInf
+++OrgnlTxRef
++++CdtrAgt
+++++FinInstnId
1..1 BIC Name BIC Validity of BIC using SEPA BIC Directory. Error
Typ BICIdentifier code: XT27
Document Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
+PmtRtr {0,1} If applicable, rejection via other CSMs using
++TxInf error code: XT74
+++OrgnlTxRef
++++CdtrAgt Check only if the direct debit is forwarded from the
+++++FinInstnId SEPA-Clearer to STEP2: BIC must belong to a
registered reachable BIC of the respective
++++++BIC
STEP2 SDD Service via the Deutsche
Bundesbank ..
Error code: PY01
Document Code
+PmtRtr Length 1 .. 4
++TxInf Pattern \S+.*
WhiteSpace collapse
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++OrgId
+++++++Othr
++++++++SchmeNm
+++++++++Cd
1..1 Prtry Name Proprietary
Typ Max35Text
Document Length 1 .. 35
+PmtRtr Pattern \S+.*
++TxInf WhiteSpace collapse
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++OrgId
+++++++Othr
++++++++SchmeNm
+++++++++Prtry
0..1 Issr Name Issuer
Typ Max35Text
Document Length 1 .. 35
+PmtRtr Pattern \S+.*
++TxInf WhiteSpace collapse
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++OrgId
+++++++Othr
++++++++Issr
1..1 PrvtId Name Private Identification
Typ SCLSDDPersonIdentification5
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++PrvtId
1..1 DtAndPlcOfBirth Name Date and Place of Birth
Typ DateAndPlaceOfBirth
Document
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++PrvtId
+++++++DtAndPlcOfBirth
1..1 BirthDt Name Birth Date
Typ ISODate
Document Pattern [0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
+PmtRtr
++TxInf
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++PrvtId
+++++++DtAndPlcOfBirth
++++++++BirthDt
0..1 PrvcOfBirth Name Province of Birth
Typ Max35Text
Document Length 1 .. 35
+PmtRtr Pattern \S+.*
++TxInf WhiteSpace collapse
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++PrvtId
+++++++DtAndPlcOfBirth
++++++++PrvcOfBirth
Memo
SEPA Direct Debit – Interbank Reversal Instruction for a Collection (DS-07)
Notes:
Attribute R1 in DS-07 is indicated by the ‘message name', 'pacs.007.001', and the ‘original message name identification’,
'pacs.003.001'.
Attribute R2 is indicated by the combination of the ‘reversal originator’ with the ‘reversal reason’.
‘Original’ message elements are based on DS-04 attributes.
Group header
The group header contains information required to process the entire message.
Message structure
Status Element/Attribut Format EPC references Contents and checks
(if available) SEPA-Clearer
Document
+FIToFIPmtRvsl
1..1 GrpHdr Name Group Header The group header contains general processing
Typ SCLSDDGroupHeader9 information which applies to the whole message.
Document
+FIToFIPmtRvsl
++GrpHdr
1..1 MsgId Name Message Identification Bulk reference number.
Typ SCLSDDId7
Document Pattern ([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35} <Msgld> is part of duplication check at bulk level
+FIToFIPmtRvsl (unique reference over 15 calendar days).
++GrpHdr Error code: B14
+++MsgId
The first 8 or 11 characters of <Msgld> must
match the BIC of the instructing agent in the IDF.
The rest of the field can be freely defined.
Error code: B98
1..1 CreDtTm Name Creation Date and Time Bulk creation date and time.
Typ ISODateTime
Document Pattern [0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}[T][0-9]{2,2}:
+FIToFIPmtRvsl [0-9]{2,2}:[0-9]{2,2}[\S]*
++GrpHdr
+++CreDtTm
1..1 NbOfTxs Name Number Of Transactions Total number of single transactions in the bulk.
Typ Max15NumericText
Document Pattern [0-9]{1,15} May not be ‘zero’ at point of submission to SCL
+FIToFIPmtRvsl as reversal is not supported at bulk level
++GrpHdr (Schema validation).
+++NbOfTxs
Must not exceed 100,000 (maximum parameter
of data records in the bulk).
Error code: B02
1..1 BIC Name BIC BIC may only be contained in the settled debit file
Typ BICIdentifier (SDF).
Document Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3}) Error code: B11
+FIToFIPmtRvsl {0,1}
++GrpHdr
+++InstdAgt
++++FinInstnId
+++++BIC
1..1 OrgnlGrpInf Name Original Group Information Contains general information from the original
Typ SCLSDDOriginalGroupInformation5 group header which is relevant for all payments.
Document Reversal at bulk level is not supported.
+FIToFIPmtRvsl
++OrgnlGrpInf
1..1 OrgnlMsgId Name Original Message Identification Reference (<Msgld>) of original bulk.
Typ SCLSDDId7 In the case of deliveries from the SCL which
Document Pattern ([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35} result from submissions from another CSM, the
+FIToFIPmtRvsl entry ‘UNMATCHED’ is allowed where necessary
++OrgnlGrpInf
+++OrgnlMsgId
1..1 OrgnlMsgNmId Name Original Message Name Identification Message type of the original bulk.
Typ SCLSDDOrgnlMsgNmId
Document Pattern pacs\.003[A-Za-z0-9\.]{0,27} May be completed with ‘pacs.003’ or ‘PACS.O03’
+FIToFIPmtRvsl PACS\.003[A-Za-z0-9\.]{0,27} (Schema validation).
++OrgnlGrpInf
+++OrgnlMsgNmId
1..n TxInf Typ SCLSDDPaymentTransactionInformation5 Mandatory
Document
+FIToFIPmtRvsl
++TxInf
1..1 RvslId Name Reversal Identification Mandatory Reference number of the payment service
Document Typ SCLSDDId7 (AT-R7 Specific reference of the provider initiating the reversal.
+FIToFIPmtRvsl Pattern ([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35} Creditor Bank for Reversal Id is part of the duplication check at
the reversal) single record level.
++TxInf
Usage Rule: Must contain a Error code: AM05
+++RvslId reference that is meaningful to the
Creditor's Bank.
0..1 OrgnlInstrId Name Original Instruction Identification Usage Rule: Mandatory if provided Original Instruction ID of the original pacs.003.
Typ SCLSDDId7 in the original instruction.
Document Pattern ([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35} Only be given if the ID was part of the original
+FIToFIPmtRvsl direct debit.
++TxInf
+++OrgnlInstrId
1..1 OrgnlEndToEndId Name Original End To End Identification Mandatory Original reference of the creditor
Typ Max35Text (AT-10 Creditor's reference to the
Document Length 1 .. 35 direct debit collection) End-to-End-ID oft he original direct debit
+FIToFIPmtRvsl Pattern \S+.*
++TxInf WhiteSpace collapse
+++OrgnlEndToEndId
1..1 OrgnlTxId Name Original Transaction Identification Mandatory Reference of the creditor bank.
Typ SCLSDDId7 (AT-43 Creditor Bank Reference of Transaction ID of the original direct debit.
Document Pattern ([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|']){1,35} the collection)
+FIToFIPmtRvsl Usage Rule: Must contain a Where applicable, error code XT75, if payment is
++TxInf reference that is meaningful to the forwarded to another CSM.
+++OrgnlTxId Creditor's Bank and is unique over
time.
1..1 OrgnlIntrBkSttlmAmt Name Original Interbank Settlement Amount (AT-06 Amount of the Collection) Original amount of the original direct debit.
Typ SCLSDDCurrencyAndAmount_Tx Usage Rule: Only 'EUR' is allowed.
Document FractionDigits 2 Usage Rule: Amount must be 0.01 Integer value of up to 15 characters is allowed.
+FIToFIPmtRvsl TotalDigits 18 or more and 999999999.99 or less. Maximum number of decimal places allowed is
++TxInf Inclusive 0.01 .. 999999999.99 Format Rule: The fractional part two. (Schema validation)
+++OrgnlIntrBkSttlmAmt Pattern [0-9]{0,15}([\.]([0-9]{0,2})){0,1} has a maximum of two digits
Currency symbol is always ‘EUR’.
(Schema validation)
1..1 Rsn Name Reason Usage Rule: ‘Reversal Reason Reason for reversal
Typ SCLSDDReversalReason1Choice must be present either in ‘Original
Document Group Information’ or
+FIToFIPmtRvsl ‘Transaction Information’.
++TxInf
+++RvslRsnInf
++++Rsn
1..1 Cd Name Code (AT-31 Reason Code for Reversal) Schema validation
Typ SCLSDDTransactionReversalReason2Code See Message Element
Document Specifications below.
+FIToFIPmtRvsl
++TxInf
+++RvslRsnInf
++++Rsn
+++++Cd
Acceptable Codes
AM05
MS02
MS03
1..1 OrgnlTxRef Name Original Transaction Reference Mandatory Data of the original message
Typ SCLSDDOriginalTransactionReference1 (An exact copy of all attributes of
Document the received DS-04 being reversed)
+FIToFIPmtRvsl Usage Rule: The message
++TxInf elements under 'Original
+++OrgnlTxRef Transaction Reference' must be
populated with the same value as
the message elements of the
original instruction, as defined
within the following elements.
1..1 IntrBkSttlmDt Name Interbank Settlement Date (AT-26 Settlement date of the Settlement date of the original direct debit.
Typ ISODate Collection)
Document Pattern [0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2} Where applicable error code XT74, if payment is
+FIToFIPmtRvsl forwarded via another CSM.
++TxInf
+++OrgnlTxRef The date of the original direct debit must be the
++++IntrBkSttlmDt same or before the date of <IntrBkSttlmDt> in
<GrpHdr>.
Error code: DT01
1..1 ReqdColltnDt Name Requested Collection Date (AT-11 Due date of the Collection) Due date of original direct debit
Typ ISODate
Document Pattern [0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
+FIToFIPmtRvsl
++TxInf
+++OrgnlTxRef
++++ReqdColltnDt
1..1 CdtrSchmeId Name Creditor Scheme Identification (AT-02 Identifier of the Creditor) Identifier of the creditor from the original direct
Typ SCLSDDCdtrSchmeId debit
Document
+FIToFIPmtRvsl
++TxInf
+++OrgnlTxRef
++++CdtrSchmeId
1..1 Id Name Identification
Typ SCLSDDPrivateIdentification2
Document
+FIToFIPmtRvsl
++TxInf
+++OrgnlTxRef
++++CdtrSchmeId
+++++Id
1..1 PrvtId Name Private Identification
Typ SCLSDDPrty2
Document
+FIToFIPmtRvsl
++TxInf
+++OrgnlTxRef
++++CdtrSchmeId
+++++Id
++++++PrvtId
++TxInf
+++OrgnlTxRef
++++CdtrSchmeId
+++++Id
++++++PrvtId
+++++++Othr
++++++++SchmeNm
+++++++++Prtry
Acceptable Codes
SEPA
0..1 SttlmInf Name Settlement Information
Typ SCLSDDSettlementInformation3
Document
+FIToFIPmtRvsl
++TxInf
+++OrgnlTxRef
++++SttlmInf
1..1 SttlmMtd Name Settlement Method Only ‘CLRG’ (Schema validation)
Typ SCLSDDSettlementMethod1Code
Document
+FIToFIPmtRvsl
++TxInf
+++OrgnlTxRef
++++SttlmInf
+++++SttlmMtd
Acceptable Codes
CLRG
0..1 ClrSys Name Clearing System
Typ SCLSDDClearingSystemIdentification1Choic
Document e
+FIToFIPmtRvsl
++TxInf
+++OrgnlTxRef
++++SttlmInf
+++++ClrSys
Document
+FIToFIPmtRvsl
++TxInf
+++OrgnlTxRef
++++MndtRltdInf
+++++AmdmntInfDtls
0..1 OrgnlMndtId Name Original Mandate Identification Unique mandate reference as given by the
Typ SCLSDDId8 original creditor who issued the mandate.
Document Pattern ([A-Za-z0-9]|[+|\?|/|\-|:|\(|\)|\.|,|'|\s]){1,35}
+FIToFIPmtRvsl
++TxInf
+++OrgnlTxRef
++++MndtRltdInf
+++++AmdmntInfDtls
++++++OrgnlMndtId
0..1 OrgnlCdtrSchmeId Name Original Creditor Scheme Identification Identifier of the original creditor who issued the
Typ SCLSDDCdtrSchmeId1 mandate.
Document
+FIToFIPmtRvsl
++TxInf
+++OrgnlTxRef
++++MndtRltdInf
+++++AmdmntInfDtls
++++++OrgnlCdtrSchmeId
0..1 Nm Name Name Name of the original creditor.
Typ Max70Text
Document Length 1 .. 70
+FIToFIPmtRvsl Pattern \S+.*
++TxInf WhiteSpace collapse
+++OrgnlTxRef
++++MndtRltdInf
+++++AmdmntInfDtls
++++++OrgnlCdtrSchmeId
+++++++Nm
++TxInf
+++OrgnlTxRef
++++MndtRltdInf
+++++AmdmntInfDtls
++++++OrgnlCdtrSchmeId
+++++++Id
++++++++PrvtId
+++++++++Othr
++++++++++Id
1..1 SchmeNm Name Scheme Name
Typ FinancialIdentificationSchemeName2
Document
+FIToFIPmtRvsl
++TxInf
+++OrgnlTxRef
++++MndtRltdInf
+++++AmdmntInfDtls
++++++OrgnlCdtrSchmeId
+++++++Id
++++++++PrvtId
+++++++++Othr
++++++++++SchmeNm
1..1 Prtry Name Proprietary Only the code ‘SEPA” is allowed.
Typ SCLSDDId9 (Schema validation)
Document
+FIToFIPmtRvsl
++TxInf
+++OrgnlTxRef
++++MndtRltdInf
+++++AmdmntInfDtls
++++++OrgnlCdtrSchmeId
+++++++Id
++++++++PrvtId
+++++++++Othr
++++++++++SchmeNm
+++++++++++Prtry
Acceptable Codes
SEPA
0..1 OrgnlDbtrAcct Name Original Debtor Account
Typ SCLSDDCashAccount8
Document
+FIToFIPmtRvsl
++TxInf
+++OrgnlTxRef
++++MndtRltdInf
+++++AmdmntInfDtls
++++++OrgnlDbtrAcct
1..1 Id Name Identification
Typ SCLSDDAccountIdentification4Choice
Document
+FIToFIPmtRvsl
++TxInf
+++OrgnlTxRef
++++MndtRltdInf
+++++AmdmntInfDtls
++++++OrgnlDbtrAcct
+++++++Id
1..1 IBAN Name IBAN
Typ IBANIdentifier
Document Pattern [a-zA-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,30}
+FIToFIPmtRvsl
++TxInf
+++OrgnlTxRef
++++MndtRltdInf
+++++AmdmntInfDtls
++++++OrgnlDbtrAcct
+++++++Id
++++++++IBAN
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++OrgId
+++++++BICOrBEI
1..1 Othr Name Other
Typ SCLSDDGenericOrganisationIdentification1
Document
+FIToFIPmtRvsl
++TxInf
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++OrgId
+++++++Othr
1..1 Id Name Identification
Typ Max35Text
Document Length 1 .. 35
+FIToFIPmtRvsl Pattern \S+.*
++TxInf WhiteSpace collapse
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++OrgId
+++++++Othr
++++++++Id
0..1 SchmeNm Name Scheme Name
Typ SCLSDDOrganisationIdentificationSchemeN
Document ame1Choice
+FIToFIPmtRvsl
++TxInf
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++OrgId
+++++++Othr
++++++++SchmeNm
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++PrvtId
+++++++Othr
1..1 Id Name Identification
Typ Max35Text
Document Length 1 .. 35
+FIToFIPmtRvsl Pattern \S+.*
++TxInf WhiteSpace collapse
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++PrvtId
+++++++Othr
++++++++Id
0..1 SchmeNm Name Scheme Name
Typ SCLSDDPersonIdentificationSchemeName1
Document Choice
+FIToFIPmtRvsl
++TxInf
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++PrvtId
+++++++Othr
++++++++SchmeNm
1..1 Cd Name Code
Typ SCLSDDExternalPersonIdentification1Code
Document Length 1 .. 4
+FIToFIPmtRvsl Pattern \S+.*
++TxInf WhiteSpace collapse
+++OrgnlTxRef
++++UltmtDbtr
+++++Id
++++++PrvtId
+++++++Othr
++++++++SchmeNm
+++++++++Cd
Bold = Element, Italic = Attribut, Gray = Group
pacs.007.001.02; SCL SDD; 2017 page 36 of 55
pacs.007.001.02
1..1 OrgId Name Organisation Identification May not be given simultaneously with
Typ SCLSDDOrganisationIdentification4 <Id><PrvtId> (see below).
Document (Schema vaildation)
+FIToFIPmtRvsl
++TxInf All ISO 20022 field options are allowed.
+++OrgnlTxRef
++++Dbtr
+++++Id
++++++OrgId
1..1 BICOrBEI Name BIC or BEI
Typ SCLSDDAnyBICIdentifier
Document Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
+FIToFIPmtRvsl {0,1}
++TxInf
+++OrgnlTxRef
++++Dbtr
+++++Id
++++++OrgId
+++++++BICOrBEI
1..1 Othr Name Other
Typ SCLSDDGenericOrganisationIdentification1
Document
+FIToFIPmtRvsl
++TxInf
+++OrgnlTxRef
++++Dbtr
+++++Id
++++++OrgId
+++++++Othr
+FIToFIPmtRvsl Length 1 .. 35
++TxInf Pattern \S+.*
+++OrgnlTxRef WhiteSpace collapse
++++Dbtr
+++++Id
++++++OrgId
+++++++Othr
++++++++SchmeNm
+++++++++Prtry
0..1 Issr Name Issuer
Typ Max35Text
Document Length 1 .. 35
+FIToFIPmtRvsl Pattern \S+.*
++TxInf WhiteSpace collapse
+++OrgnlTxRef
++++Dbtr
+++++Id
++++++OrgId
+++++++Othr
++++++++Issr
1..1 PrvtId Name Private Identification May not be given simultaneously with <Id><
Typ SCLSDDPersonIdentification5 OrgId > (see below).
Document (Schema vaildation)
+FIToFIPmtRvsl
++TxInf All ISO 20022 field options are allowed.
+++OrgnlTxRef
++++Dbtr
+++++Id
++++++PrvtId
1..1 DtAndPlcOfBirth Name Date and Place of Birth
Typ DateAndPlaceOfBirth
Document
+FIToFIPmtRvsl
++TxInf
+++OrgnlTxRef
++++Dbtr
+++++Id
++++++PrvtId
+++++++DtAndPlcOfBirth
Bold = Element, Italic = Attribut, Gray = Group
pacs.007.001.02; SCL SDD; 2017 page 41 of 55
pacs.007.001.02
Document ication3
+FIToFIPmtRvsl
++TxInf
+++OrgnlTxRef
++++DbtrAgt
1..1 FinInstnId Name Financial Institution Identification
Typ SCLSDDFinancialInstitutionIdentification5Ch
Document oice
+FIToFIPmtRvsl
++TxInf
+++OrgnlTxRef
++++DbtrAgt
+++++FinInstnId
1..1 BIC Name BIC Validity of BIC using SCL Directory.
Typ BICIdentifier Error code: XT27
Document Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3})
+FIToFIPmtRvsl {0,1} Check only if the direct debit is forwarded from the
++TxInf SEPA-Clearer to STEP2: BIC must belong to a
+++OrgnlTxRef registered reachable BIC of the respective STEP2
++++DbtrAgt SDD Service via the Deutsche Bundesbank.
+++++FinInstnId Error code: PY01
++++++BIC
1..1 CdtrAgt Name Creditor Agent (AT-12 BIC of the Creditor bank) BIC of the Creditor bank
Typ SCLSDDBranchAndFinancialInstitutionIdentif
Document ication3
+FIToFIPmtRvsl
++TxInf
+++OrgnlTxRef
++++CdtrAgt
1..1 FinInstnId Name Financial Institution Identification
Typ SCLSDDFinancialInstitutionIdentification5Ch
Document oice
+FIToFIPmtRvsl
++TxInf
+++OrgnlTxRef
++++CdtrAgt
+++++FinInstnId
1..1 BIC Name BIC Creditor agent BIC is included in the duplication
Typ BICIdentifier check at single record level
Document Pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3}) Error code: AM05
+FIToFIPmtRvsl {0,1}
++TxInf Validity of BIC using SCL-Directory.
+++OrgnlTxRef Error code: XT27
++++CdtrAgt
+++++FinInstnId Check only if the direct debit is forwarded from the
SEPA-Clearer to STEP2: BIC must belong to a
++++++BIC
registered reachable BIC of the respective STEP2
SDD Service via the Deutsche Bundesbank.
Error code: PY01
1..1 Cdtr Name Creditor (AT-03 Name of the Creditor) Creditor
Typ SCLSDDId2 (AT-05 Address of the Creditor)
Document
+FIToFIPmtRvsl
++TxInf
+++OrgnlTxRef
++++Cdtr
1..1 Nm Name Name Name of the creditor.
Typ Max70Text
Document Length 1 .. 70
+FIToFIPmtRvsl Pattern \S+.*
++TxInf WhiteSpace collapse
+++OrgnlTxRef
++++Cdtr
+++++Nm
0..1 PstlAdr Name Postal Address Address of the creditor.
Typ SCLSDDPostalAddress1
Document
+FIToFIPmtRvsl
++TxInf
+++OrgnlTxRef
++++Cdtr
+++++PstlAdr
0..1 Ctry Name Country Country of the creditor.
++TxInf
+++OrgnlTxRef
++++CdtrAcct
+++++Id
++++++IBAN
0..1 UltmtCdtr Name Ultimate Creditor (AT-38 Name of the Creditor Ultimate creditor
Typ SCLSDDPartyIdentification10 Reference Party)
Document (AT-39 Identification code of the
+FIToFIPmtRvsl Creditor Reference Party)
++TxInf
+++OrgnlTxRef
++++UltmtCdtr
0..1 Nm Name Name Name of ultimate creditor
Typ Max70Text
Document Length 1 .. 70
+FIToFIPmtRvsl Pattern \S+.*
++TxInf WhiteSpace collapse
+++OrgnlTxRef
++++UltmtCdtr
+++++Nm
0..1 Id Name Identification
Typ SCLSDDParty4Choice
Document
+FIToFIPmtRvsl
++TxInf
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
1..1 OrgId Name Organisation Identification
Typ SCLSDDOrganisationIdentification4
Document
+FIToFIPmtRvsl
++TxInf
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++OrgId
Document Length 1 .. 35
+FIToFIPmtRvsl Pattern \S+.*
++TxInf WhiteSpace collapse
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++OrgId
+++++++Othr
++++++++Issr
1..1 PrvtId Name Private Identification
Typ SCLSDDPersonIdentification5
Document
+FIToFIPmtRvsl
++TxInf
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++PrvtId
1..1 DtAndPlcOfBirth Name Daten and Place of Birth
Typ DateAndPlaceOfBirth
Document
+FIToFIPmtRvsl
++TxInf
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++PrvtId
+++++++DtAndPlcOfBirth
1..1 BirthDt Name Birth Date
Typ ISODate
Document Pattern [0-9]{4,4}\-[0-9]{2,2}\-[0-9]{2,2}
+FIToFIPmtRvsl
++TxInf
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++PrvtId
+++++++DtAndPlcOfBirth
++++++++BirthDt
0..1 PrvcOfBirth Name Province of Birth
Typ Max35Text
Document Length 1 .. 35
+FIToFIPmtRvsl Pattern \S+.*
++TxInf WhiteSpace collapse
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++PrvtId
+++++++DtAndPlcOfBirth
++++++++PrvcOfBirth
1..1 CityOfBirth Name City of Birth
Typ Max35Text
Document Length 1 .. 35
+FIToFIPmtRvsl Pattern \S+.*
++TxInf WhiteSpace collapse
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++PrvtId
+++++++DtAndPlcOfBirth
++++++++CityOfBirth
1..1 CtryOfBirth Name Country of Birth
Typ CountryCode
Document Pattern [A-Z]{2,2}
+FIToFIPmtRvsl
++TxInf
+++OrgnlTxRef
++++UltmtCdtr
+++++Id
++++++PrvtId
+++++++DtAndPlcOfBirth
++++++++CtryOfBirth