Swedish Common Interpretation of ISO 20022 Payment ... · Swedish Common Interpretation of ISO 20022 Payment Messages ... at least the day before the ... The mapping of the ISO 20022

Swedish Common Interpretation of

ISO 20022 Payment Messages

Appendix 1:

Common Payment Types in Sweden

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Version Date Changes

0.1 2013-12-11 Initial version

1.0 2014-02-10 Updates after external review Page 5: Added that BG/PG payments are executed as NURG. Page 5: Descriptive text added for Bankgiro payment characteristics Page 7: Emphasis on PlusGirot being owned by Nordea Page 10: Bankgirocentral to Bankgiro Page 11: Bankgiro added to CSMs. Page 11: Mapping of SSBE to Dataclearing codes removed Page 14: Example corrected

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Contents Introduction ............................................................................................................................................. 4

Giro Payments ......................................................................................................................................... 5

Bankgiro Payments .............................................................................................................................. 5

Plusgiro ................................................................................................................................................ 7

Direct Credits (Credit Transfers) .............................................................................................................. 9

Money Order ......................................................................................................................................... 10

Salary, Pension and Social Benefit payments ........................................................................................ 11

Recommendations for Remittance Information ................................................................................... 12

Structured Invoice ............................................................................................................................. 12

Invoice with OCR/SCOR reference .................................................................................................... 12

Structured Credit Note ...................................................................................................................... 12

Credit Note with OCR/SCOR reference ............................................................................................. 13

Examples ................................................................................................................................................ 14

Giropayments – Plusgiro as DbtrAcct ................................................................................................ 14

Direct credits ..................................................................................................................................... 19

Money Order ..................................................................................................................................... 24

Salaries .............................................................................................................................................. 26

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Introduction This document provides details on the specifics of common payments in Sweden, such as common

practice of using code elements and addressing of accounts and account providing institutions. It also

details the use of remittance information.

All examples use example values as content in elements which should be properly substituted for

practical usage.

Payment Types Payments are categorized into two main type of payments:

Commercial payments: Commercial payments are transactions which involves settling of a debt which is related to a

purchase of goods or services from a creditor.

Financial payments: Financial payments are the means of a company to be able to reallocate its own financial assets

within the company or its subsidiaries.

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Giro Payments Domestic vendor payments in Sweden are processed in the two Giro-systems – The Bankgiro and the

Plusgiro. The two systems are interconnected.

All Giro payments are executed as non-urgent (NURG) payments.

Bankgiro Payments The Bankgiro works with bankgiro number, which is an alias for a bank account. The Bankgiro offers

structured remittance information. Creditor will be advised by his bank electronically and can enter

the structured information for automatic reconciliation of his ledger. By issuing invoices with a

Bankgiro number it is possible to pay the invoices for the payer and possible for the beneficiary to

receive all the payments electronically and automatically reconcile the account receivables

The account number is held with a Swedish bank with the Bankgiro number as an address to the

account. When creditor's account stated instead of the Bankgiro number, the Bankgirot will advise

on paper if requested.

InstrForCdtrAgt <InstrForCdtrAgt> <Cd>TELB</Cd> </InstrForCdtrAgt>

-- or – <RltdRmtInf> <RmtLctnMtd>POST</RmtLctnMtd> </RltdRmtInf>

Creditor Creditor address to which the paper advice is to be sent must be present in structured format.

<Cdtr> <Nm>CREDITOR AB</Nm> <PstlAdr> <StrtNm>Scheelegatan 24</StrtNm> <PstCd>11221</PstCd> <TwnNm>STOCKHOLM</TwnNm> </PstlAdr> </Cdtr>

Debtor Account is stated either with Bankgiro number or with account number. Check with your

bank for options and requirements.

Debit Account* Identifying the debtors Bankgiro number

<DbtrAcct> <Id> <Othr> <Id>12334567</Id> <SchmeNm> <Prtry>BGNR</Prtry> </SchmeNm> </Othr> </Id> </DbtrAcct>

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Debtor Agent <DbtrAgt> <FinInstnId> <BIC>AAAASESS</BIC> </FinInstnId> </DbtrAgt>

* Debtor Account is stated either with Bankgiro number or with account number. Check with your bank options and requirements. The account number should not contain any hyphens (‘-’).

Creditor Agent <CdtrAgt> <FinInstnId> <ClrSysMmbId> <ClrSysId> <Cd>SESBA</Cd> </ClrSysId> <MmbId>9900</MmbId> </ClrSysMmbId> </FinInstnId> </CdtrAgt>

Credit Account <CdtrAcct> <Id> <Othr> <Id>12334567</Id> <SchmeNm> <Prtry>BGNR</Prtry> </SchmeNm> </Othr> </Id> </CdtrAcct>

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Plusgiro PlusGirot is a credit transfer function, which is part of Nordea, and used for mediating payments

between accounts held by companies and individuals. The Plusgiro works with Plusgiro numbers,

which are an address and a bank account in Nordea. By issuing invoices with a Plusgiro number it is

possible to pay the invoices for the payer and possible for the beneficiary to receive all the payments

electronically and reconcile the account receivables.

The account number should not contain the clearing system identifier of the bank.

Debtor Agent <DbtrAcct> <Id> <Othr> <Id>12334567</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </DbtrAcct>

Debit Account* Identifying the debtors Plusgiro number

<DbtrAgt> <FinInstnId> <BIC>NDEASESS</BIC> </FinInstnId> </DbtrAgt>

* The account number should not contain any hyphens (‘-’).

Creditor Agent

<CdtrAgt> <FinInstnId> <ClrSysMmbId> <ClrSysId> <Cd>SESBA</Cd> </ClrSysId> <MmbId>9960</MmbId> </ClrSysMmbId> </FinInstnId> </CdtrAgt>

Credit Account <CdtrAcct> <Id> <Othr> <Id>12334567</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </CdtrAcct>

– or – <CdtrAcct>

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<Id> <IBAN>SE1234567890123456789012</IBAN> </Id> </CdtrAcct>

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Direct Credits (Credit Transfers) Direct credits are not advised unless specifically requested in each transaction.

Account number can be stated as either IBAN or BBAN.

IBAN <CdtrAcct> <Id> <IBAN>SE1234567890123456789012</IBAN> </Id> </CdtrAcct>

When using the BBAN layout, both Account Number and Account Agent should be specified:

Account Agent <CdtrAgt> <FinInstnId> <ClrSysMmbId> <ClrSysId> <Cd>SESBA</Cd> </ClrSysId> <MmbId>8327</MmbId> </ClrSysMmbId> </FinInstnId> </CdtrAgt>

Account Number <CdtrAcct> <Id> <Othr> <Id>83721234567890</Id> <SchmeNm> <Cd>BBAN</Cd > </SchmeNm> </Othr> </Id> </CdtrAcct>

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Money Order Money order is issued by the Bankgiro or the Plusgiro and can be cashed in any Swedish bank.

In order to indicate that a transaction is to be issued as a Money Order, the Creditor Account

element must be absent from the CreditTransferTransactionInformation element and the Creditor

element must be present.

Creditor Creditor address to which the money order is to be sent must be present in structured format.

<Cdtr> <Nm>CREDITOR AB</Nm> <PstlAdr> <StrtNm>Scheelegatan 24</StrtNm> <PstCd>11221</PstCd> <TwnNm>STOCKHOLM</TwnNm> </PstlAdr> </Cdtr>

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Salary, Pension and Social Benefit payments Domestic payment between banks through the Dataclearing or Bankgiro clearing and settlement

mechanism payments can be executed as “Payment with a future execution date”. When executed

as such, the transferred funds will be present on the beneficiary’s account at 00:01 on the requested

execution date rather than being processed by the bank on this date. This means that the payment

instruction need to be sent from the bank of the payment sender to the Dataclearing so it is available

at least the day before the execution date.

Also note that for “Payment with future execution date”, remittance information will not be used.

To indicate that a payment should be processed as a “Payment with future execution date”, the

appropriate code should be present in the PaymentTypeInformation/CategoryPurpose/Code

element. The mapping of the ISO 20022 codes to the Dataclearing codes is shown in the following

table:

ISO 20022 DATACLEARING EXPLANATION

SALA LÖN Salary

PENS PENSION Pension

STUDSTÖD BARNBDR UNDERHST BOSTADSB FAMILJEB

FK/PMYND FKASSA HE/VB

Not applicable. pain.001 only provides SSBE in standard code list.

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Recommendations for Remittance Information It is generally recommended to use structured remittance information where possible.

Structured Invoice The RfrdDocInf/Nb element should be max 25 digits for both Bankgiro and Plusgiro.

<Strd> <RfrdDocInf> <Tp> <CdOrPrtry> <Cd>CINV</Cd> </CdOrPrtry> </Tp> <Nb>371143199</Nb> </RfrdDocInf> <RfrdDocAmt> <RmtdAmt Ccy="SEK">4433.00</RmtdAmt> </RfrdDocAmt> </Strd>

Invoice with OCR/SCOR reference The CdtrRefInf/Ref should be at least 2 and at most 25 characters.

<Strd> <RfrdDocAmt> <RmtdAmt Ccy="SEK">5000</RmtdAmt> </RfrdDocAmt> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>12345678901234567890</Ref> </CdtrRefInf> </Strd>

Structured Credit Note The RfrdDocInf/Nb element should be max 25 digits for both Bankgiro and Plusgiro.

<Strd> <RfrdDocInf> <Tp> <CdOrPrtry> <Cd>CREN</Cd> </CdOrPrtry> </Tp> <Nb>371143199</Nb> </RfrdDocInf> <RfrdDocAmt> <CdtNoteAmt Ccy="SEK">50</CdtNoteAmt> </RfrdDocAmt>

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</Strd>

Credit Note with OCR/SCOR reference The CdtrRefInf/Ref should be at least 2 and at most 25 characters.

<Strd> <RfrdDocAmt> <CdtNoteAmt Ccy="SEK">50</CdtNoteAmt> </RfrdDocAmt> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>98123456789012</Ref> </CdtrRefInf> </Strd>

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Examples

Example 1: Giropayments – Plusgiro as DbtrAcct Initating party has a Plusgiro account in Nordea (NDEASESS) with account number 1234567. The

payment instruction is for a payment for SEK 350,00 to Bankgiro Creditor with Bankgiro number

7654321 covering:

One first payment for

o 1 OCR invoice for SEK 400,00

o 1 OCR credit note for SEK 150,00

o 1 invoice for SEK 600,00

o 1 credit note for SEK 100,00

A second payment for

o a second payment for SEK 800,00 to a Plusgiro account with account number

987654321 covering one OCR invoice.

<?xml version="1.0" encoding="utf-8"?> <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 C:\temp\XSD\pain.001.001.03.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MsgId33901</MsgId> <CreDtTm>2011-08-24T11:00:00</CreDtTm> <NbOfTxs>2</NbOfTxs> <CtrlSum>1550.00</CtrlSum> <InitgPty> <Nm>SWEDISH INIT PARTY</Nm> <Id> <OrgId> <Othr> <Id>0033331166</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> </Othr> </OrgId> </Id> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>PmtInfId33901 1</PmtInfId> <PmtMtd>TRF</PmtMtd> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> <CtgyPurp> <Cd>SUPP</Cd>

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</CtgyPurp> </PmtTpInf> <ReqdExctnDt>2011-08-25</ReqdExctnDt> <Dbtr> <Nm>SE DEBTOR</Nm> <Id> <OrgId> <Othr> <Id>5566775511</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>1234567</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>NDEASESS</BIC> </FinInstnId> </DbtrAgt> <ChrgBr>SHAR</ChrgBr> <CdtTrfTxInf> <PmtId> <InstrId>InstrId33901 1 1</InstrId> <EndToEndId>EndToEndId33902 1 1</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="SEK">750.00</InstdAmt> </Amt> <CdtrAgt> <FinInstnId> <ClrSysMmbId> <ClrSysId> <Cd>SESBA</Cd> </ClrSysId> <MmbId>9900</MmbId> </ClrSysMmbId> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>SE BANKGIRO CREDITOR</Nm> </Cdtr> <CdtrAcct> <Id>

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<Othr> <Id>7654321</Id> <SchmeNm> <Prtry>BGNR</Prtry> </SchmeNm> </Othr> </Id> </CdtrAcct> <RmtInf> <Strd> <RfrdDocAmt> <RmtdAmt Ccy="SEK">400.00</RmtdAmt> </RfrdDocAmt> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>300050760400008599692</Ref> </CdtrRefInf> </Strd> <Strd> <RfrdDocAmt> <CdtNoteAmt Ccy="SEK">150.00</CdtNoteAmt> </RfrdDocAmt> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>158354688029</Ref> </CdtrRefInf> </Strd> <Strd> <RfrdDocInf> <Tp> <CdOrPrtry> <Cd>CINV</Cd> </CdOrPrtry> </Tp> <Nb>2812101</Nb> </RfrdDocInf> <RfrdDocAmt> <RmtdAmt Ccy="SEK">600.00</RmtdAmt> </RfrdDocAmt> </Strd> <Strd> <RfrdDocInf> <Tp> <CdOrPrtry> <Cd>CREN</Cd> </CdOrPrtry> </Tp>

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<Nb>36365101</Nb> </RfrdDocInf> <RfrdDocAmt> <CdtNoteAmt Ccy="SEK">100.00</CdtNoteAmt> </RfrdDocAmt> </Strd> </RmtInf> </CdtTrfTxInf> <CdtTrfTxInf> <PmtId> <InstrId>InstrId33901 1 2</InstrId> <EndToEndId>EndToEndId33902 1 2</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="SEK">800.00</InstdAmt> </Amt> <CdtrAgt> <FinInstnId> <ClrSysMmbId> <ClrSysId> <Cd>SESBA</Cd> </ClrSysId> <MmbId>9960</MmbId> </ClrSysMmbId> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>SE PLUSGIRO CREDITOR</Nm> </Cdtr> <CdtrAcct> <Id> <Othr> <Id>987654321</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </CdtrAcct> <RmtInf> <Strd> <RfrdDocAmt> <RmtdAmt Ccy="SEK">800.00</RmtdAmt> </RfrdDocAmt> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>30005008599711</Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf>

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</PmtInf> </CstmrCdtTrfInitn> </Document>

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Example 2: Direct credits The initiating party and debtor are the same instructing the bank to initiate a payment for SEK

5.000,00 from Bankgiro account 8436008 to account number 52351011212 in SEB. The bank is

instructed to issue remittance information in paper format to the creditor.

<?xml version="1.0" encoding="UTF-8" ?> <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 C:\temp\XSD\pain.001.001.03.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>20090822123</MsgId> <CreDtTm>2009-08-22T09:30:47-05:00</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty> <Nm>SWEDISH INIT PARTY</Nm> <Id> <OrgId> <Othr> <Id>5566775511</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm > </Othr> </OrgId> </Id> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>20090822123123</PmtInfId> <PmtMtd>TRF</PmtMtd> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt>2009-08-28</ReqdExctnDt> <Dbtr> <Nm>Payment Factory Outlet</Nm> <Id> <OrgId> <Othr> <Id>5566775511</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm > </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr>

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<Id>1234567</Id> <SchmeNm> <Prtry>BGNR</Prtry> </SchmeNm> </Othr> </Id> </DbtrAcct> <DbtrAgt> <FinInstnId> <ClrSysMmbId> <ClrSysId> <Cd>SESBA</Cd> </ClrSysId> <MmbId>9900</MmbId> </ClrSysMmbId> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>InstrId33901 1 1</InstrId> <EndToEndId>20090822123123001</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="SEK">5000</InstdAmt> </Amt> <CdtrAgt> <FinInstnId> <ClrSysMmbId> <ClrSysId> <Cd>SESBA</Cd> </ClrSysId> <MmbId>5235</MmbId> </ClrSysMmbId> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>EDI SURPLUS</Nm> <PstlAdr> <StrtNm>NACKAGATAN 14</StrtNm> <PstCd>11647</PstCd> <TwnNm>STOCKHOLM</TwnNm> <Ctry>SE</Ctry> </PstlAdr> </Cdtr> <CdtrAcct> <Id> <Othr> <Id>52352134567</Id> <SchmeNm> <Cd>BBAN</Cd > </SchmeNm> </Othr> </Id> </CdtrAcct> <InstrForCdtrAgt>

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<Cd>POST</Cd> </InstrForCdtrAgt> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn>> </Document>

The example below is the same as the example above with the difference that the remittance

information is only sent electronically in the message file.

<?xml version="1.0" encoding="UTF-8" ?> <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 C:\temp\XSD\pain.001.001.03.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>20090822123</MsgId> <CreDtTm>2009-08-22T09:30:47-05:00</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty> <Nm>SWEDISH INIT PARTY</Nm> <Id> <OrgId> <Othr> <Id>5566775511</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm > </Othr> </OrgId> </Id> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>20090822123123</PmtInfId> <PmtMtd>TRF</PmtMtd> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt>2009-08-28</ReqdExctnDt> <Dbtr> <Nm>Payment Factory Outlet</Nm> <Id> <OrgId> <Othr> <Id>5566775511</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm > </Othr> </OrgId>

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</Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>1234567</Id> <SchmeNm> <Prtry>BGNR</Prtry> </SchmeNm> </Othr> </Id> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>ESSESESS</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>InstrId33901 1 1</InstrId> <EndToEndId>20090822123123001</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="SEK">5000</InstdAmt> </Amt> <CdtrAgt> <FinInstnId> <ClrSysMmbId> <ClrSysId> <Cd>SESBA</Cd> </ClrSysId> <MmbId>5235</MmbId> </ClrSysMmbId> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>EDI SURPLUS</Nm> <PstlAdr> <StrtNm>NACKAGATAN 14</StrtNm> <PstCd>11647</PstCd> <TwnNm>STOCKHOLM</TwnNm> <Ctry>SE</Ctry> </PstlAdr> </Cdtr> <CdtrAcct> <Id> <Othr> <Id>53251234567</Id> <SchmeNm> <Cd>BBAN</Cd > </SchmeNm> </Othr> </Id> </CdtrAcct> <RmtInf>

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<Strd> <RfrdDocInf> <Tp> <CdOrPrtry> <Cd>CINV</Cd> </CdOrPrtry> </Tp> <Nb>654654</Nb> </RfrdDocInf> <RfrdDocAmt> <RmtdAmt Ccy="SEK">5000</RmtdAmt> </RfrdDocAmt> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>

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Example 3: Money Order This example is an instruction to the bank receiving the message to issue a Money Order payment of

SEK 5000,00 to the Creditor, indicated by the absence of Creditor Account. The Money Order should

be sent to the postal address of the Creditor as stated in the file.

<?xml version="1.0" encoding="UTF-8" ?> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>20090822123</MsgId> <CreDtTm>2009-08-22T09:30:47-05:00</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty> <Nm>SWEDISH INIT PARTY</Nm> <Id> <OrgId> <Othr> <Id>5566775511</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm > </Othr> </OrgId> </Id> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>20090822123123</PmtInfId> <PmtMtd>CHK</PmtMtd> <PmtTpInf> <SvcLvl> <Cd>NURG</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt>2009-08-28</ReqdExctnDt> <Dbtr> <Nm>Payment Factory Outlet</Nm> <Id> <OrgId> <Othr> <Id>5566775511</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm > </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>12334567</Id> <SchmeNm >

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<Prtry>BGNR</Prtry> </SchmeNm > </Othr> </Id> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>ESSESESS</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>InstrId33901 1 1</InstrId> <EndToEndId>20090822123123001</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="SEK">5000</InstdAmt> </Amt> <ChqInstr> <ChqTp>BCHQ</ChqTp> </ChqInstr> <Cdtr> <Nm>EDI SURPLUS</Nm> <PstlAdr> <StrtNm>NACKAGATAN 14</StrtNm> <PstCd>11647</PstCd> <TwnNm>STOCKHOLM</TwnNm> <Ctry>SE</Ctry> </PstlAdr> </Cdtr> <RmtInf> <Strd> <RfrdDocInf> <Tp> <CdOrPrtry> <Cd>CINV</Cd> </CdOrPrtry> </Tp> <Nb>654654</Nb> </RfrdDocInf> <RfrdDocAmt> <RmtdAmt Ccy="SEK">5000</RmtdAmt> </RfrdDocAmt> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>

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Example 4: Salaries The following example is an instruction to the receiving bank to issue a salary payment, indicated by

the CategoryPurpose code of ‘SALA’. The RequestedExecutionDate may be modified by the bank to

follow the rules for “Payments with a future execution date” such as salaries, pension payments, or

social benefit payments.

<?xml version="1.0" encoding="UTF-8" ?> - <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 y:\Data\Dokument\Kommunikation\Layouter\ISO20022\Schema\Pain001\pain.001.001.03.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MsgIdSalary33902</MsgId> <CreDtTm>2011-11-20T18:24:39</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty> <Nm>Salary Payment Company</Nm> <Id> <OrgId> <Othr> <Id>0033331112</Id> </Othr> </OrgId> </Id> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>Salp33902-12</PmtInfId> <PmtMtd>TRF</PmtMtd> <PmtTpInf> <CtgyPurp> <Cd>SALA</Cd> </CtgyPurp> </PmtTpInf> <ReqdExctnDt>2011-11-25</ReqdExctnDt> <Dbtr> <Nm>Salary Payment Company</Nm> <Id> <OrgId> <Othr> <Id>5566775512</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>1234567</Id>

APPENDIX 1


27 (27)

<SchmeNm> <Prtry>BGNR</Prtry> </SchmeNm> </Othr> </Id> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>SWEDSESS</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>InstrId33901 1 1</InstrId> <EndToEndId>EndToEndId33902 2 2 2</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="SEK">1500.00</InstdAmt> </Amt> <CdtrAgt> <FinInstnId> <ClrSysMmbId> <ClrSysId> <Cd>SESBA</Cd> </ClrSysId> <MmbId>8327</MmbId> </ClrSysMmbId> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>Name Namesson</Nm> </Cdtr> <CdtrAcct> <Id> <Othr> <Id>1234567</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </CdtrAcct> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>

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Swedish Common Interpretation of ISO 20022 Payment ... · Swedish Common Interpretation of ISO 20022 Payment Messages ... at least the day before the ... The mapping of the ISO 20022