implementation guide local payments and transfers in · pdf file ·...

Implementation guide

EDIFACT PAYMUL 1 (20) October 2016 Local payments & transfers, Sweden


Local payments and transfers in Sweden

in SEK and other currencies

Edifact format

Paymul



Contents

TO BANK GIRO, PLUSGIRO AND CASH PAYMENT VIA BANK GIRO ........................................................................... 4 DEPOSIT TO ACCOUNT WITH HANDELSBANKEN OR TO ANOTHER SWEDISH BANK ................................................ 10 COUNTRY SPECIFIC INFORMATION ....................................................................................................................... 16

Sweden ............................................................................................................................................................ 16 Debit account for giro payments and cash payments ..................................................................................... 16 Credit account for giro payment ..................................................................................................................... 16 Cash payments ................................................................................................................................................ 17 Debit account for deposit to account .............................................................................................................. 17 Credit account for deposit to account ............................................................................................................. 18

EXAMPLE ............................................................................................................................................................. 19



Introduction Handelsbanken’s format description for PAYMUL describes exactly which information must

be included in a message in EDIFACT standard to Handelsbanken. The description is specific

to Handelsbanken’s services and routines and must be used only when working with

Handelsbanken.

The format description provides information about local Swedish payments charged to an

account with Handelsbanken. The description is based on the application regulations produced

by the Swedish banks within the framework of the Bankers’ Association. These application

regulations are available in the Bankers’ Association’s Manual on

http://www.bankforeningen.se/. There the business transaction payment orders regarding

information content and structure are described along with directions for how the information

should be placed in an EDIFACT message PAYMUL from the directory version D96.A.rev

2003-04-15. To understand this format description, it must therefore be used in parallel with

Bankers’ Association’s application regulations.

The implementation instructions describe the information content sorted in numerical order for

the business terms included in the business transaction payment orders in the Bankers’

Association’s documentation. Beside each business term there is also a reference to the current

data element in the EDIFACT message PAYMUL. The idea is that it should be possible to use

the format description in parallel with both the business transaction payment orders for the

company’s information analysis, and with the message application for the PAYMUL message

for implementation in the company’s system.

The structure and character sets of the Edifact message are described in the Bankers’

Association’s Service Segments. Handelsbanken uses the ISO 8859-1:1987 character set for

the syntax.

http://www.bankforeningen.se/



Implementation guidelines

To bankgiro, PlusGiro and cash payment via bankgiro

Payments to bankgiro, Plusgiro and cash payments can only be executed in SEK.

Swedish Bankers' Association (Bankföreningen)

Handelsbanken

Business term Ref.no.

Payment order Name

PAYMUL Payments

SG Seg DE

A001 Payment order number BGM 1004 Unique number identifying payment order Max 15 characters

A017 Debit order reference, verification number

4 RFF 1154 Unique reference for the debit transaction

A018 Customer reference number, verification number

11 RFF 1154 Unique reference for the credit transaction

A025 Reference to remittance advice, number

11 RFF 1154 Not used

A027 Message function code BGM 1225 9 = Original

A029 Previous payment order, number

1 RFF 1154 Not used

A039 Customer to customer payment reference


B001 Payment order date DTM 2380 YYYYMMDD

B002 Requested execution date 4 DTM 2380 YYYYMMDD

B016 Beneficiary’s banks due date 11 DTM 2380 Not used

B017 Payment due date 11 DTM 2380 Not used

B018 Exchange rate date 5 DTM 2380 Not used

B019 Contract, date 5 DTM 2380 Not used

B028 Previous payment order, date

1 DTM 2380 Not used

C001 Ordering customer’s customer number

13 NAD 3039 Not used

C002 Ordering customer’s name 13 NAD 3036 Not used

C003 Ordering customer’s box/street address


C004 Ordering customer’s postcode


C005 Ordering customer’s postal address





Handelsbanken


Payment order Name

PAYMUL Payments

SG Seg DE

C006 Ordering customer’s country code


C008 Debit account 6 FII 3194 Bank giro number to be debited

C016 Debit account holder’s identification

6 FII 3192 Debit account holder’s customer = Business organisation number

C017 Payor’s name 13 NAD 3036 Not used

C018 Payor’s address 13 NAD 3042 Not used

C019 Payor’s postcode 13 NAD 3251 Not used

C020 Payor’s mailing address 13 NAD 3164 Not used

C021 Payor’s country code 13 NAD 3207 Not used

C022 Payor’s province/country/state


C027 Debit account holding bank, branch number

6 FII 3434 9900 = BGC (Bankgirocentralen)

C028 Debit account servicing bank, SWIFT address

6 FII 3433 Not used

C031 Intermediary bank, SWIFT address

12 FII 3433 Not used

C034 Beneficiary’s identification 13 NAD 3039 Not used

C035 Beneficiary’s name 13 NAD 3036 Beneficiary’s name

C036 Beneficiary’s box/street address

13 NAD 3042 Beneficiary’s box/street address

C037 Beneficiary’s postcode 13 NAD 3251 Beneficiary’s postcode

C038 Beneficiary's postal address 13 NAD 3164 Beneficiary's postal address

C039 Beneficiary's country code 13 NAD 3207 Beneficiary's country code

C040 Credit account 12 FII 3194 Beneficiary’s bank giro number, PlusGiro number

C043 Beneficiary’s contact person or department

13 CTA 3412 Not used

C044 Beneficiary’s telephone no. 13 COM 3148 Not used

C045 Beneficiary’s telefax number 13 COM 3148 Not used

C046 Beneficiary’s telex number 13 COM 3148 Not used

C047 Beneficiary’s e-mail address 13 COM 3148 Not used




Handelsbanken


Payment order Name

PAYMUL Payments

SG Seg DE

C048 Beneficiary’s institution branch number


C049 Beneficiary’s financial institution, SWIFT address


C050 Charge account, account number

4 FCA 3194 Not used


11 FCA 3194 Not used

C051 Charge account, institution branch number

4 FCA 3434 Not used



C052 Party enacting advice 1 14 INP 3301 Not used

C053 Recipient of advice 1 14 INP 3285 Not used

C054 Advice method 1, code 14 INP 4401 Not used

C055 Party enacting advice 2, code

14 INP 3301 Not used

C056 Recipient of advice 2 14 INP 3285 Not used


C058 Payee’s identification number


C059 Order sender, identification 3 NAD 3039 Not used

C060 Order recipient, identification 2 FII 3433 Not used

C066 Credit account-servicing financial institution,

institution branch number

12 FII 3434 Clearing no.

9900 = Bank giro deposit

9500 = PlusGiro deposit

Cash payment = 9900 and can only be used in combination with Sg 11 PAI D006

C067 Credit account servicing institution, SWIFT address


C068 Account servicing financial institution, name


C069 Account servicing financial institution, town


C070 Payee’s name 13 NAD 3036 Not used




Handelsbanken


Payment order Name

PAYMUL Payments

SG Seg DE

C071 Payee’s box/street address 13 NAD 3042 Not used

C072 Payee’s postcode. 13 NAD 3251 Not used

C073 Payee’s postal address 13 NAD 3251 Not used

C074 Payee’s country code 13 NAD 3207 Not used

C075 Payee’s province/country/state




C081 Recipient of advice 3, code 14 INP 3285 Not used


C083 Beneficiary’s province/country/state


C085 Advice information 1, free text

14 FTX 4440 Not used





C089 Ordering customer’s province/country/state


C107 Institution branch number type, code

6 FII 1131 157 = clearing code SE



C108 Institution branch number type, code list responsible agency

6 FII 3055 118 = SE, Swedish Bankers’ Association



C122 Account servicing financial institution, country

12 FII 3207 Account servicing financial institution, country

C134 Ordering customer’s financial institution, country

6 FII 3207 Ordering customer’s financial institution, country

D001 Geographic environment 4 BUS 3279 DO = domestic

D002 Payment type, code 4 BUS 4487 Not used

D003 Intra-group payment, code 4 BUS 4463 Not used




Handelsbanken


Payment order Name

PAYMUL Payments

SG Seg DE

D004 Contract number 5 RFF 1154 Not used

D005 Payment terms, code 11 PAI 4439 Not used

D006 Payment method, code 11 PAI 4461 23 = cash payment

D007 Charge allocation code 11 FCA 4471 Not used

D008 Central bank code 15 RCS 7295 Not used

D020 Underlying business type, code

4 BUS 4025 Not used

D021 Payment channel, code 11 PAI 4435 Not used

D022 Payment reference, contents and format

16 PRC 7187 8 = Payment reference only in structured form (DOC) 11 = Payment reference only in unstructured form (FTX)

D024 Generic charges allocation, code

4 FCA 4471 Not used

E001 Payment amount 11 MOA 5004 Monetary amount

E002 Payment currency 5 MOA 6345 Payment currency code, code ISO SEK


E011 Currency of equivalent amount

5 MOA 6345 Not used


11 MOA 6345 Not used

E015 Exchange rate 5 CUX 5402 Not used

E047 Total amount in payment currency

5 MOA 5004 Total of all “E001 Payment amount” (MOA 5004 Sg11)

E048 Total amount as equivalent amount

5 MOA 5004 Not used

E049 Account currency 4 FCA 6345 Not used

E049 Account currency 6 FII 6345 Debit account currency code, code ISO SEK


E049 Account currency 12 FII 6345 Credit account currency code, code ISO SEK




Handelsbanken


Payment order Name

PAYMUL Payments

SG Seg DE

E050 Debit currency 5 CUX 6345 Not used

E051 Credit currency 5 CUX 6345 Not used

E052 Exchange rate, base 5 CUX 6348 Not used

E054 Payment amount as equivalent amount


F001 Control amount 23 MOA 5004 Total of all “F007 Document amount” (MOA 5004 Sg 17)

F003 Document number 17 DOC 1004 Reference number e g OCR no., Invoice number Max 25 characters

F004 Document type 17 DOC 1001 380 = Invoice 381 = Credit note 322 = OCR 420 = OCR credit advice

F005 Document date 17 DTM 2380 Not used

F006 Document date, format 17 DTM 2379 Not used

F007 Document amount 17 MOA 5004 Invoice amount

F008 Document currency 17 MOA 6345 Currency for invoice amount

F009 Amount type, code 17 MOA 5025 77 = Invoice amount

F010 Other reference number 17 RFF 1154 Any additional reference

F010 Other reference number 19 FTX 4440 Not used

F011 Type of reference number 17 RFF 1153 ABO = Ordering customer’s ref ACD = Additional reference

F011 Type of reference number 19 FTX 4441 Not used

F012 Reference information, free text



16 FTX 4440 Unstructured reference information, free text

F013 Text, language 10 FTX 3453 Not used





Deposit to account with Handelsbanken or to another Swedish bank

At Handelsbanken deposits in SEK and other currencies can be made without conversion.

To another Swedish bank, only SEK deposits to accounts.

For other currencies, to other Swedish banks or transfer with currency conversion see Format

description cross border payments.


Handelsbanken


Payment order Name

PAYMUL Payments

SG Seg DE

A001 Payment order number BGM 1004 Unique number identifying payment order Max 15 characters

A017 Debit order reference, verification number

4 RFF 1154 Unique reference for the debit transaction

A018 Customer reference number, verification number

11 RFF 1154 Unique reference for the credit transaction

A025 Reference to remittance advice, verification number


A027 Message function code BGM 1225 9 = Original

A029 Previous payment order, number

1 RFF 1154 Not used

A039 Customer to customer reference, number


B001 Payment order, date DTM 2380 YYYYMMDD

B002 Requested execution date 4 DTM 2380 YYYYMMDD

B016 Beneficiary’s banks due date 11 DTM 2380 Not used

B017 Payment due date 11 DTM 2380 Not used

B018 Exchange rate date 5 DTM 2380 Not used

B019 Contract, date 5 DTM 2380 Not used

B028 Previous payment order, date

1 DTM 2380 Not used

C001 Ordering customer’s customer number


C002 Ordering customer’s name 13 NAD 3036 Not used

C003 Ordering customer’s box/street address


C004 Ordering customer’s postcode


C005 Ordering customer’s postal address





Handelsbanken


Payment order Name

PAYMUL Payments

SG Seg DE

C006 Ordering customer’s country code


C008 Debit account 6 FII 3194 Account to be debited

C016 Debit account holder’s identification

6 FII 3192 Debit account holder’s customer number = Business organisation number

C017 Payor’s name 13 NAD 3036 Not used

C018 Payor’s address 13 NAD 3042 Not used

C019 Payor’s postcode 13 NAD 3251 Not used

C020 Payor’s postal address 13 NAD 3164 Not used

C021 Payor’s country code 13 NAD 3207 Not used

C022 Payor’s province/country/state


C027 Debit account holding bank, branch number

6 FII 3434 Clearing number for debit account

C028 Debit account servicing financial institution, SWIFT address

6 FII 3433 Not used

C031 Intermediary bank, SWIFT address


C034 The beneficiary’s identification


C035 Beneficiary’s name 13 NAD 3036 Beneficiary’s name

C036 Beneficiary’s box/street address

13 NAD 3042 Beneficiary’s box/street address

C037 The beneficiary’s postcode 13 NAD 3251 The beneficiary’s postcode

C038 Beneficiary's postal address 13 NAD 3164 Beneficiary's postal address

C039 Beneficiary's country code 13 NAD 3207 Beneficiary's country code

C040 Credit account 12 FII 3194 Beneficiary’s account number

C043 Beneficiary’s contact person or department

13 CTA 3412 Not used

C044 Beneficiary’s telephone no. 13 COM 3148 Not used

C045 Beneficiary’s telefax number 13 COM 3148 Not used

C046 Beneficiary’s telex number 13 COM 3148 Not used

C047 Beneficiary’s e-mail address 13 COM 3148 Not used




Handelsbanken


Payment order Name

PAYMUL Payments

SG Seg DE

C048 Beneficiary’s institution branch number


C049 Beneficiary’s financial institution, SWIFT address



4 FCA 3194 Not used




4 FCA 3434 Not used




14 INP 3301 YC7= ordered bank

C053 Recipient of advice 1, code 14 INP 3285 11 = beneficiary (in case of advice)

C054 Advice method 1, code 14 INP 4401 AD = advice (in case of advice)1





C058 Payee’s identification 13 NAD 3039 Not used

C059 Order sender, identification 3 NAD 3039 Not used

C060 Order recipient, identification 2 FII 3433 Not used

C066 Credit account servicing financial institution, institution branch number

12 FII 3434 Clearing number beneficiary account

C067 Credit account servicing financial institution, SWIFT address


C068 Account servicing financial institution, name


C069 Account servicing financial institution, town


C070 Payee’s name 13 NAD 3036 Not used

1 Separate advices are charged, fee according to the applicable price list




Handelsbanken


Payment order Name

PAYMUL Payments

SG Seg DE

C071 Payee’s box/street address 13 NAD 3042 Not used

C072 Payee’s postcode 13 NAD 3251 Not used

C073 Payee’s postal address 13 NAD 3251 Not used

C074 Payee’s country code 13 NAD 3207 Not used

C075 Payee’s province/country/state






C083 Beneficiary’s province/country/state








C089 Ordering customer’s province/country/state










C122 Account servicing financial institution, country

12 FII 3207 Account servicing financial institution, country

C134 Ordering customer’s financial institution, country

6 FII 3207 Ordering customer’s financial institution, country

D001 Geographic environment 4 BUS 3279 DO = domestic

D002 Payment type, code 4 BUS 4487 Not used

D003 Intra-group payment, code 4 BUS 4463 Not used




Handelsbanken


Payment order Name

PAYMUL Payments

SG Seg DE

D004 Contract number 5 RFF 1154 Not used

D005 Payment terms, code 11 PAI 4439 Not used

D006 Payment method, code 11 PAI 4461 Not used

D007 Charge allocation code 11 FCA 4471 Not used

D008 Central bank code 15 RCS 7295 Not used

D020 Underlying business type, code

4 BUS 4025 Not used

D021 Payment channel, code 11 PAI 4435 Not used

D022 Payment reference, contents and form

16 PRC 7187 11 = Payment reference only in unstructured form (FTX)

D024 Generic charges allocation, code

4 FCA 4471 Not used

E001 Payment amount 11 MOA 5004 Monetary amount




5 MOA 6345 Not used



E015 Exchange rate 5 CUX 5402 Not used

E047 Total amount in payment currency

5 MOA 5004 Total of all “E001 Payment amount” (MOA 5004 Sg11)

E048 Total amount as equivalent amount

5 MOA 5004 Not used


E049 Account currency 6 FII 6345 Debit account currency code, code ISO SEK


E049 Account currency 12 FII 6345 Credit account currency code, code ISO SEK

E050 Debit currency 5 CUX 6345 Not used




Handelsbanken


Payment order Name

PAYMUL Payments

SG Seg DE

E051 Credit currency 5 CUX 6345 Not used

E052 Exchange rate, base 5 CUX 6348 Not used

E054 Payment amount as equivalent amount


F001 Control amount 23 MOA 5004 Total of all “F007 Document amount” (MOA 5004 Sg 17)

F003 Document number 17 DOC 1004 Not used

F004 Document type 17 DOC 1001 Not used

F005 Document date 17 DTM 2380 Not used

F006 Document date, format 17 DTM 2379 Not used

F007 Document amount 17 MOA 5004 Invoice amount

F008 Document currency 17 MOA 6345 Currency for invoice amount

F009 Amount type, code 17 MOA 5025 77 = Invoice amount

F010 Other reference number 17 RFF 1154 Any additional reference

F010 Other reference number 19 FTX 4440 Not used

F011 Type of reference number 17 RFF 1153 ABO = Ordering customer’s ref ACD = Additional reference

F011 Type of reference number 19 FTX 4441 Not used





Shown on the account statement for deposit to Handelsbanken Max 14 charactersDeposit to other Swedish bank Max 12 characters

For advice (Sg 14 INP 3285 C053) max 60 characters can be entered2




2 Separate advices are charged, fee according to the applicable price list



Country specific information

Sweden

For giro payments a bank giro number or a PlusGiro number is used.

Giro numbers consists of 7–8 digits

Debit account for giro payments and cash payments

Swedish Bankers' Association (Bankföreningen) Handelsbanken

Business term

Payment order PAYMUL Description Example

SG Seg DE

C008 Debit account 6 FII 3194 Bank giro number 12345678

C027 Debit account servicing financial institution, institution branch number

6 FII 3434 Bank giro clearing number 4 digits

9900


6 FII 1131 Clearing code SE 157

C108 Branch number type, code list responsible agency

6 FII 3055 SE, Swedish Bankers’ Association

118

Credit account for giro payment


Business term


SG Seg DE

C040 Credit account 12 FII 3194 Bank giro/PlusGiro number

12345678


12 FII 3434 Clearing number 4 digits: BG PG

9900 9500





118

D022 Payment reference, type 16 PRC 7187 Structured reference DOC

8

F004 Document type 17 DOC 1001 OCR 322

F003 Document number 17 DOC 1004 OCR reference 310000021423



Cash payments


Business term


SG Seg DE

D006 Payment method, code 11 PAI 4461 Cash payments 23


12 FII 3434 Clearing number 4 digits BG, cash payment

9900





118

D022 Payment reference, type 16 PRC 7187 Unstructured reference FTX

11



Return duplicate payment of the July fee

Debit account for deposit to account

Account numbers at Handelsbanken Sweden consists of 8 – 9 digits

The Swedish Bankers' Association (Bankföreningen) Handelsbanken

Business term


SG Seg DE

C008 Debit account 6 FII 3194 Account number to be debited

123456789

C027 Debit account servicing financial institution, institution branch number

6 FII 3434 Clearing number for the debit account 4 digits

6153



C108 Branch number type, code list responsible agency


118



Credit account for deposit to account

For deposits to accounts, one account number is used for beneficiaries at Handelsbanken or to

beneficiaries at another Swedish bank.

The beneficiary’s account number can be stated as:

Account number 2-10 digits excluding clearing number

Account number 11 digits including account number

Both must be combined with Sg 12 FII C066


Business term


SG Seg DE

C040 Credit account 12 FII 3194 Beneficiary’s account number

456123789


12 FII 3434 Clearing number 4 digits 6153





118

D022 Payment reference, type 16 PRC 7187 Unstructured reference FTX

11



Deposit to account with:

Handelsbanken max 14 characters

Another Swedish bank Max 12 characters

From Lisa



Example

LIN1 – SEQ1

Shows a bank giro payment to bank giro number 12345678. It includes a debit note and a

credit note.

LIN1 – SEQ2

Shows a plusgiro payment to plusgiro number 12345678.

LIN1 – SEQ3

Shows a cash payment to Cash payment plc.

LIN2 – SEQ1

Shows a deposit to account with advice to an SEB account 53001234567.

LIN3 – SEQ1

Shows a transfer in foreign currency between accounts at Handelsbanken

UNH+0602+PAYMUL:D:96A:UN:SF4611'

BGM+452+100020051213+9'

DTM+137:20060223:102'

LIN+1'

DTM+203:20061226:102'

RFF+AEK:1000000301010'

BUS++DO'

MOA+9:10:SEK'

FII+OR+58761149:3321251633::SEK+:::9900:157:118'

SEQ++1'

MOA+9:10.00:SEK'

RFF+CR:0602230000000001122334'

FII+BF+12345678+:::9900:157:118'

NAD+BE+++Bankgiro AB+BOX 1234+MALMÖ++200 00+SE'

PRC+8'

DOC+380+1001164444'

MOA+77:12.50:SEK'

DTM+137:20060109:102'

DOC+381+1001174444'

MOA+77:2.50:SEK'

DTM+137:20060220:102'

GIS+37'

MOA+128:10.00:SEK'

SEQ++2'

MOA+9:10.00:SEK'

RFF+CR:0602230000000001122335'

FII+BF+12345678+:::9500:157:118'

NAD+BE+++PlusGiro AB+BOX 1234+MALMÖ++200 00+SE'

PRC+8'

DOC+380+2331144444'

MOA+77:10.00:SEK'

DTM+137:20060118:102'

GIS+37'

MOA+128:10.00:SEK'

SEQ++3'

MOA+9:2.50:SEK'



RFF+CR:1211223344'

PAI+23'

FII+BF++:::9900:157:118'

NAD+BE+++Cash payment AB+BOX 1234+MALMÖ++200 00+SE'

PRC+11'

FTX+PMD+++Thanks for the loan+SE'

GIS+37'

MOA+128:2.50:SEK'

LIN+2'

DTM+203:20061226:102'

RFF+AEK:2000000301010'

BUS++DO'

MOA+9:10:SEK'

FII+OR+235192252:3321251633::SEK+:::6910:157:118'

SEQ++1'

MOA+9:10.00:SEK'

RFF+CR:0602230000000001122337'

FII+BF+53001234567+:::5300:157:118'

NAD+BE+++Account deposit AB+BOX 1234+MALMÖ++200 00+SE'

INP+YC7:11+2:AD'

PRC+11'

FTX+PMD+++Compensation for runover hen+SE'

GIS+37'

MOA+128:10.00:SEK'

LIN+3’

DTM+203:20060223:102’

RFF+AEK:3000000301010’

BUS++DO’

MOA+9:50:EUR’

FII+OR+48606529:3321251633::EUR+:::6910:157:118’

SEQ++1’

MOA+9:50:EUR’

RFF+CR:0607070000001122337’

FII+BF+48606529+:::6910:157:118’

NAD+BE+++Foreign currency transfer AB+BOX 1234+MALMÖ++20000+SE’

PRC+11’

FTX+PMD+++SHB max 14 pos’

GIS+37

CNT+2:4'

UNT+96+0602'

implementation guide local payments and transfers in · pdf file ·...

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