Payment and returns parameters

• Must be in ISO Date format of YYYY-MM-DD.
• Must be either the current or future date.

35

• For AU NPP Tax payment (category payment), populate ATO Payment Reference Number (PRN)
• For AU NPP Superannuation payment (category payment), populate Payment Reference Number (PRN)
• For AU NPP e-Invoice payment, populate PaymentID (as definied in the ANZ PEPPOL framework for e-Invoicing)
• For the rest, populate Customer Ref

Fixed value: AUD

• Must have no more than two decimal places.
• Must be greater than 0.01.
• Max limit: AUD 100,000.

Type of payment being initiated. 

Must be "CLEARING_SYSTEM_ID".

• Must be in ISO Date format of YYYY-MM-DD.
• Must be either the current or future date.

35

• For AU NPP Tax payment (category payment), populate ATO Payment Reference Number (PRN)
• For AU NPP Superannuation payment (category payment), populate Payment Reference Number (PRN)
• For AU NPP e-Invoice payment, populate PaymentID (as definied in the ANZ PEPPOL framework for e-Invoicing)
• For the rest, populate Customer Ref.

Fixed value: AUD

• Must be no more than two decimal places.
• Must be greater than 0.01
• Max limit: AUD 100,000

Type of payment being initiated. 

Required for Pay to Proxy. Values include:

• "EMAL": Email Address
• "TELI": Telephone Number
• "AUBN": Australia Business number
• "ORGN": Organization ID

Must be "CLEARING_SYSTEM_ID".

Currently supports DDA or VAM account.

3

Recommended for TP3 Flows Values include:

• "ADDR": Postal Address is the complete postal address.
• "BIZZ": Business Address is the business address.
• "DLVY": DeliveryTo Address is the address to which delivery is to take place.
• "HOME": Residential Address is the home address.
• "MLTO": MailTo Address is the address to which mail is sent.
• "PBOX": PO Box Address is a postal office (PO) box.

Recommended for TP3 flows

Street name

• Recommended for TP3 flows
• 2-character ISO country code

• Recommended for TP3 flows
• 2-character ISO country code

• Recommended for TP3 flows
• 2-character ISO country code

10

• Recommended for TP3 flows
• Format is YYYY-MM-DD

• Recommended for TP3 flows
• 2-character ISO country code

Recommended for TP3 Flows Values include:

• "ADDR": Postal Address is the complete postal address.
• "BIZZ": Business Address is the business address.
• "DLVY": DeliveryTo Address is the address to which delivery is to take place.
• "HOME": Residential Address is the home address.
• "MLTO": MailTo Address is the address to which mail is sent.
• "PBOX": PO Box Address is a postal office (PO) box.

• Recommended for TP3 flows
• 2-character ISO country code

35

• Either individualID or organizationID, not both
• For AU Superannuation payment (category payment), populate with USI number for the Superannuation fund

• Recommended for TP3 flows
• 2-character ISO country code

• Recommended for TP3 flows
• Format is YYYY-MM-DD

• Recommended for TP3 flows
• 2-character ISO country code

Recommended for TP3 Flows Values include:

• "ADDR": Postal Address is the complete postal address.
• "BIZZ": Business Address is the business address.
• "DLVY": DeliveryTo Address is the address to which delivery is to take place.
• "HOME": Residential Address is the home address.
• "MLTO": MailTo Address is the address to which mail is sent.
• "PBOX": PO Box Address is a postal office (PO) box.

2

• Recommended for TP3 flows
• 2-character ISO country code

"CODE" 

• Must be in ISO Date format: YYYY-MM-DD.
• Must be either the current or a future date.

35

• Used for duplicate checking. 
• Must be unique for each transaction within the file. 
• No special characters allowed.
• The characters on the right are treated as low order and must be unique.

Field must match HKD or CNY expression.

• Must be >=0.01.
• Maximum 2 decimal places.
• Maximum Limit: HKD or CNY 999,999.

Type of payment being initiated. 

This field is to provide the regular account ID when it is a Pay by Account instruction. If pay by proxy, this does not need to be filled.

Required only for Pay by Account. Not applicable for Pay by Proxy.

4

• Required for Pay to Account.
• Value: BBAN

• Mandatory for Pay to Account
• Value: "CLEARING_SYSTEM_ID"

• "CXSALA": Salary and benefits payment
• "CXBSNS": General business payment

Refer to Payments Developer Portal for list of purpose/category codes.

• Must be in ISO Date format: YYYY-MM-DD.
• Must be either the current or future date.

35

• Used for duplicate checking. 
• Must be unique for each transaction within the file. 
• No special characters allowed.
• The characters on the right are treated as low order and must be unique.

Field is expected to match HKD or CNY expression.

• Must be >=0.01
• Max 2 decimal places
• Max Limit: HKD / CNY 999,999

Type of payment being initiated. 

• "EMAL": Email Address
• "MOBN": Mobile Number (or fixed-line number)
• "SVID": FPS identifier

Values include:

• "CXSALA": Salary and benefits payment
• "CXBSNS": General business payment
• "CXMRCH": FPS merchant payment
• "CXTOPU": Account top-up payment

Refer to Payments Developer Portal for list of purpose/category codes.

Supports DDA or VAM account only.

3

Recommended for TP3 Flows Values include:

• "ADDR": Postal Address is the complete postal address.
• "BIZZ": Business Address is the business address.
• "DLVY": DeliveryTo Address is the address to which delivery is to take place.
• "HOME": Residential Address is the home address.
• "MLTO": MailTo Address is the address to which mail is sent.
• "PBOX": PO Box Address is a postal office (PO) box.

Recommended for TP3 flows

Street name

• Recommended for TP3 flows
• 2-character ISO country code

• Recommended for TP3 flows
• 2-character ISO country code

• Recommended for TP3 flows
• 2-character ISO country code

10

• Recommended for TP3 flows
• Format is YYYY-MM-DD

• Recommended for TP3 flows
• 2-character ISO country code

Recommended for TP3 Flows. Values include:

• "ADDR": Postal Address is the complete postal address.
• "BIZZ": Business Address is the business address.
• "DLVY": DeliveryTo Address is the address to which delivery is to take place.
• "HOME": Residential Address is the home address.
• "MLTO": MailTo Address is the address to which mail is sent.
• "PBOX": PO Box Address is a postal office (PO) box.

• Recommended for TP3 flows
• 2-character ISO country code

• Recommended for TP3 flows
• 2-character ISO country code

• Recommended for TP3 flows
• Format is YYYY-MM-DD

• Recommended for TP3 flows
• 2-character ISO country code

Recommended for TP3 Flows. Values include:

• "ADDR": Postal Address is the complete postal address.
• "BIZZ": Business Address is the business address.
• "DLVY": DeliveryTo Address is the address to which delivery is to take place.
• "HOME": Residential Address is the home address.
• "MLTO": MailTo Address is the address to which mail is sent.
• "PBOX": PO Box Address is a postal office (PO) box.

2

• Recommended for TP3 flows
• 2-character ISO country code

requestedExecutionDate

The requested execution date.

10

10

• .Must match ISO date format (YYYY-MM-DD). 
• Must be either the current or a future date.

paymentIdentifiers.endToEndId

1

35

• Used for duplicate checking. 
• Must be unique for each transaction in the file. Special characters are not allowed.
• The characters on the right are treated as low order and must be unique.
• The first 16 characters are populated in the account statements and reports as customer reference.

value.currency

Currency of the payment, based on ISO 4217 Alpha-3 Currency Code.

3

3

Fixed value: INR

value.amount

1

18

Max limit: INR 500,000

transferType

The transfer type.

6

6

Must be CREDIT.

paymentType

The payment type.

3

3

Must be RTP.

debtorAgent.financialInstitutionIds[].id

The financial institution identifier of the debtor.

8

8

Field must have a 8 BIC value: CHASINBX

debtorAgent.financialInstitutionIds[].idType

The debtor agent’s financial institution ID type.

3

3

Must be BIC.

creditor.account.accountNumber

The creditor’s account number.

1

34

This field is used to provide the regular account ID for Pay by Account instructions only.

creditor.account.accountType

The creditor's account type.

4

4

Allowed Values:

• "CACC":  CURRENT
• "LOAN": LOAN
• "NREX": NRE
• "ODFT": OVERDRAFT
• "SVGS": SAVINGS
• "CACR": CASHCREDIT
• "NROR": NRO
• "SNRR": SNRR

creditor.name

The creditor’s name.

1

140

Mandatory for Pay to Account. Currently supports just Pay by Account.

creditorAgent.financialInstitutionIds[].id

The creditor agent’s financial institution ID.

11

11

• 1st 4 characters = Bank Name
• 5th character = 0
• last 6 characters = Bank branch identifier

creditorAgent.financialInstitutionIds[].idType

The creditor agent's financial institution ID type.

18

18

Use CLEARING_SYSTEM_ID.

debtor.account.accountType

Type of account associated with the debtor.

1

3

Currently support only DDA account.

debtor.account.accountCurrency

The debtor's account currency.

3

3

creditor.dateAndPlaceOfBirth.countrySubDivision

Creditor's country subdivision code.

2

2

• Recommended for TP3 flows
• 2-character ISO country code

creditor.countryOfResidence

Creditor's  country of residence.

2

2

• Recommended for TP3 flows
• 2-character ISO country code

additionalParties.ultimateCreditor.organizationIds[].organizationId

Creditor's formally issued organization identifier.

1

35

Either individualID or organizationID, not both

additionalParties.ultimateCreditor.Name

Creditor's party name.

1

120

additionalParties.ultimateCreditor.dateAndPlaceOfBirth.city

Creditor's city of birth.

1

35

Recommended for TP3 flows

additionalParties.ultimateCreditor.dateAndPlaceOfBirth.country

Creditor's country of birth.

2

2

• Recommended for TP3 flows
• 2-character ISO country code

additionalParties.ultimateCreditor.dateAndPlaceOfBirth.birthDate

Creditor's date of birth.

10

10

• Recommended for TP3 flows
• Must be in YYYY-MM-DD format.

additionalParties.ultimateCreditor.postalAddress.type

Creditor's postal address type.

4

4

Recommended for TP3 flows. Values are:

• "ADDR": Postal Address is the complete postal address.
  
• "BIZZ": Business Address is the business address.
• "DLVY": DeliveryTo Address is the address to which delivery is to take place.
• "HOME": Residential Address is the home address.
  
• "MLTO": MailTo Address is the address to which mail is sent.
• "PBOX": PO Box Address is a postal office (PO) box.

additionalParties.ultimateCreditor.postalAddress.addressLines

Creditor's unstructured addresses.

1

70

• Recommended for TP3 flows
• Maximum of 7 lines

additionalParties.ultimateCreditor.postalAddress.buildingNumber

Creditor's building number.

1

35

Recommended for TP3 flows.

additionalParties.ultimateCreditor.postalAddress.streetName

Creditor's street name.

1

70

Recommended for TP3 flows.

additionalParties.ultimateCreditor.postalAddress.city

Creditor's city.

1

35

Recommended for TP3 flows.

additionalParties.ultimateCreditor.postaladdress.postalCode

Creditor's postal code.

1

16

Recommended for TP3 flows.

additionalParties.ultimateCreditor.postalAddress.countrySubDivision

Creditor's country sub division.

1

35

Recommended for TP3 flows.

additionalParties.ultimateCreditor.postalAddress.country

Creditor's country.

2

2

• Recommended for TP3 flows
• 2-character ISO country code

additionalParties.ultimateCreditor.individualIds[].individualId

Individual identifier details.

1

35

Either individualID or organizationID, not both

remittanceInformation.unstructuredInformation.text

The payment's remittance information.

1

50

This is to provide additional payment details, which J.P. Morgan may or may not send to clearing.

paymentPurpose.categoryPurpose.code

A code representing the high-level purpose of a payment, based on a set of predefined categories.

1

4

If it is a Payroll payment, populate with 'SALA - Payroll payment'; otherwise, leave it blank.

• Must be in ISO Date format: YYYY-MM-DD.
• Must be either the current or a future date.

35

• Used for duplicate checking. 
• Must be unique for each transaction within the file. No special characters allowed.
• The characters on the right are treated as low order and must be unique.

• Field must match the "MYR" expression.

• Must be >=0.01
• Max 2 decimal places
• Max Limit: MYR 10,000,000

Type of payment being initiated. 

35

• If transferType = "CREDIT"
• Mandatory for IP address only.

The financial institution identifier, for example "BIC".

Must have an 8 digit BIC value: "CHASMYKX"

• "LOAN"
• "DFLT"
• "SVGS"
• "CACC"

• Mandatory for Pay to Account
• "BIC"

• Required if either the debtor or creditor country of residency is not Malaysia
• Refer to Payments Developer Portal for list of purpose/category codes
• Should be a string value.

• Must be in ISO Date format of YYYY-MM-DD.
• Must be either the current or a future date.

35

• Used for duplicate checking. 
• Must be unique for each transaction within the file. No special characters allowed.
• The characters on the right are treated as low order and must be unique.

• Field is expected to match "MYR" expression.

• Must be >=0.01
• Max 2 decimal places
• Max limit: MYR 10,000,000

Type of payment being initiated. 

35

• If transferType = "CREDIT"
• Mandatory for IP address only

Field is expected to have one of these 8 digit BIC values: "CHASMYKX"

• "LOAN"
• "DFLT"
• "SVGS"
• "CACC"

If transferType = "CREDIT",

Max - 256

If transferType = "DEBIT",

Not Supported

• "MBNO" — Mobile number
• "NRIC" — IC number
• "PSPT" — Passport number
• "ARMN" — Army or Police Number
• "BREG" — Business registration number

• Required if either the debtor or creditor country of residency is not Malaysia
• Refer to Payments Developer Portal for list of purpose/category codes

Currently supports DDA or VAM account

3

Recommended for TP3 Flows Values include:

• "ADDR" - Postal Address is the complete postal address.
• "BIZZ" - Business Address is the business address.
• "DLVY" - DeliveryTo Address is the address to which delivery is to take place.
• "HOME" - Residential Address is the home address.
• "MLTO" - MailTo Address is the address to which mail is sent.
• "PBOX" - PO Box Address is a postal office (PO) box.

Recommended for TP3 flows

Street name

• Recommended for TP3 flows
• 2-character ISO country code

• Recommended for TP3 flows
• 2-character ISO country code

• Recommended for TP3 flows
• 2-character ISO country code

10

• Recommended for TP3 flows
• Format is YYYY-MM-DD

• Recommended for TP3 flows
• 2-character ISO country code

Recommended for TP3 Flows Values include:

• "ADDR" - Postal Address is the complete postal address.
• "BIZZ" - Business Address is the business address.
• "DLVY" - DeliveryTo Address is the address to which delivery is to take place.
• "HOME" - Residential Address is the home address.
• "MLTO" - MailTo Address is the address to which mail is sent.
• "PBOX" - PO Box Address is a postal office (PO) box.

• Recommended for TP3 flows
• 2-character ISO country code

• Recommended for TP3 flows
• 2-character ISO country code

• Recommended for TP3 flows
• Format is YYYY-MM-DD

• Recommended for TP3 flows
• 2-character ISO country code

Recommended for TP3 Flows Values include:

• "ADDR" - Postal Address is the complete postal address.
• "BIZZ" - Business Address is the business address.
• "DLVY" - DeliveryTo Address is the address to which delivery is to take place.
• "HOME" - Residential Address is the home address.
• "MLTO" - MailTo Address is the address to which mail is sent.
• "PBOX" - PO Box Address is a postal office (PO) box.

2

• Recommended for TP3 flows
• 2-character ISO country code

"PROPRIETARY"

Required if either the debtor or creditor country of residency is not Malaysia

• Must be in ISO Date format of YYYY-MM-DD.
• Must be either the current or future date.

35

• Used for duplicate checking. 
• Must be unique for each transaction within the file. No special characters allowed.
• The characters on the right are treated as low order and must be unique.

• Field is expected to match "SGD" expression.

• Must be >=0.01
• Max 2 decimal places
• Max Limit: SGD 200,000

Type of payment being initiated. 

Field is expected to have an 11 digit BIC value: "CHASSGSGXXX"

• Mandatory for Pay to Account
• "BIC"

"CODE"

Refer to Payments Developer Portal for list of purpose/category codes.

• Must be in ISO Date format of YYYY-MM-DD.
• Must be either the current or future date.

35

• Used for duplicate checking. 
• Must be unique for each transaction within the file. No special characters allowed.
• The characters on the right are treated as low order and must be unique.

• Field is expected to match "SGD" expression.

• Must be >=0.01
• Max 2 decimal places
• Max Limit: SGD 200,000

Type of payment being initiated. 

Field is expected to have an 11 digit BIC value: "CHASSGSGXXX"

• "MSIDN" — Mobile number
• "UEN" — Unique Entity Number
• "VPA" — Virtual Payment Address
• "NRIC" — IC number RTP

"CODE"

Refer to Payments Developer Portal for list of purpose/category codes.

Currently supports DDA or VAM account

3

Recommended for TP3 Flows Values include:

• "ADDR" - Postal Address is the complete postal address.
• "BIZZ" - Business Address is the business address.
• "DLVY" - DeliveryTo Address is the address to which delivery is to take place.
• "HOME" - Residential Address is the home address.
• "MLTO" - MailTo Address is the address to which mail is sent.
• "PBOX" - PO Box Address is a postal office (PO) box.

Recommended for TP3 flows

Street name

• Recommended for TP3 flows
• 2-character ISO country code

• Recommended for TP3 flows
• 2-character ISO country code

• Recommended for TP3 flows
• 2-character ISO country code

10

• Recommended for TP3 flows
• Format is YYYY-MM-DD

• Recommended for TP3 flows
• 2-character ISO country code

Recommended for TP3 Flows. Values include:

• "ADDR" - Postal Address is the complete postal address.
• "BIZZ" - Business Address is the business address.
• "DLVY" - DeliveryTo Address is the address to which delivery is to take place.
• "HOME" - Residential Address is the home address.
• "MLTO" - MailTo Address is the address to which mail is sent.
• "PBOX" - PO Box Address is a postal office (PO) box.

• Recommended for TP3 flows
• 2-character ISO country code

• Recommended for TP3 flows
• 2-character ISO country code

• Recommended for TP3 flows
• Format is YYYY-MM-DD

• Recommended for TP3 flows
• 2-character ISO country code

Recommended for TP3 Flows Values include:

• "ADDR" - Postal Address is the complete postal address.
• "BIZZ" - Business Address is the business address.
• "DLVY" - DeliveryTo Address is the address to which delivery is to take place.
• "HOME" - Residential Address is the home address.
• "MLTO" - MailTo Address is the address to which mail is sent.
• "PBOX" - PO Box Address is a postal office (PO) box.

2

• Recommended for TP3 flows
• 2-character ISO country code

• Must be in ISO Date format of YYYY-MM-DD.
• Must be either the current or future date.

35

• Used for duplicate checking. 
• Must be unique for each transaction within the file. No special characters allowed.
• The characters on the right are treated as low order and must be unique.

• Field is expected to match "EUR" expression.

• Must be >=0.01
• Max 2 decimal places
• Max Limit: EUR 100,000

Type of payment being initiated. 

The field is expected to include one of the following branches and its corresponding 8- or 11-character BIC values:

• Frankfurt "CHASDEFX" "CHASDEFXXXX"
• Luxembourg: "CHASLULX" "CHASLULXXXX"
• Dublin: "CHASIE4L" "CHASIE4LXXX"
• Amsterdam: “CHASNL2X” “CHASNL2XXXX”
• Paris: “CHASFRPP” “CHASFRPPXXX”
• Milan: “CHASITMX” “CHASITMXXXX”
• Madrid: “CHASESM3” “CHASESM3XXX”
• Brussels: “CHASBEBX” “CHASBEBXXXX”

If the transaction includes an Ultimate Debtor, populate one of the following fields:

• BIC
• LEI
• ID

If the transaction includes an Ultimate Debtor, populate one of the following fields:

• BIC
• LEI
• ID

Currently only support IBAN accounts.

3

Currently only supports "EUR".

Values include:

• "ADDR" - Postal Address is the complete postal address.
• "BIZZ" - Business Address is the business address.
• "DLVY" - DeliveryTo Address is the address to which delivery is to take place.
• "HOME" - Residential Address is the home address.
• "MLTO" - MailTo Address is the address to which mail is sent.
• "PBOX" - PO Box Address is a postal office (PO) box.

Street name

• Recommended for TP3 flows
• 2-character ISO country code

• Recommended for TP3 flows
• 2-character ISO country code

• Recommended for TP3 flows
• 2-character ISO country code

10

• Recommended for TP3 flows
• Format is YYYY-MM-DD

• Recommended for TP3 flows
• 2-character ISO country code

Recommended for TP3 Flows Values include:

• "ADDR" - Postal Address is the complete postal address.
• "BIZZ" - Business Address is the business address.
• "DLVY" - DeliveryTo Address is the address to which delivery is to take place.
• "HOME" - Residential Address is the home address.
• "MLTO" - MailTo Address is the address to which mail is sent.
• "PBOX" - PO Box Address is a postal office (PO) box.

• Recommended for TP3 flows
• 2-character ISO country code

• Recommended for TP3 flows
• 2-character ISO country code

• Recommended for TP3 flows
• Format is YYYY-MM-DD

• Recommended for TP3 flows
• 2-character ISO country code

Recommended for TP3 Flows Values include:

• "ADDR" - Postal Address is the complete postal address.
• "BIZZ" - Business Address is the business address.
• "DLVY" - DeliveryTo Address is the address to which delivery is to take place.
• "HOME" - Residential Address is the home address.
• "MLTO" - MailTo Address is the address to which mail is sent.
• "PBOX" - PO Box Address is a postal office (PO) box.

2

• Recommended for TP3 flows
• 2-character ISO country code

• Must be in ISO Date format of YYYY-MM-DD.
• Must be either the current or future date.

31

• Used for duplicate checking. 
• Must be unique for each transaction within the file. No special characters allowed.
• The characters on the right are treated as low order and must be unique.

• Field is expected to match "GBP" expression.

• Must be >=0.01
• Max 2 decimal places
• Max Limit: GBP 1,000,000

Type of payment being initiated. 

• Account numbers with fewer than 8 digits must be padded with leading zeros.
• For Agency payments, this field should contain the ultimate payer's 8-digit account number.

• Proprietary payments: The field is expected to contain one of the following BIC values, either 8 or 11 characters in length:

  • CHASGB2L
  • CHASGB2LXXX

• Agency payments: The field is expected to contain a 6-digit sort code number. Sort codes with fewer than six digits must be padded with leading zeros. A BIC value must not be included.

3

• Proprietary payments: Mandatory to include "BIC"
• Agency payments: Mandatory to include "SORT_CODE"

Currently supports DDA or VAM account.

3

Currently supports "GBP".

• "ADDR" - Postal Address is the complete postal address.
• "BIZZ" - Business Address is the business address.
• "DLVY" - DeliveryTo Address is the address to which delivery is to take place.
• "HOME" - Residential Address is the home address.
• "MLTO" - MailTo Address is the address to which mail is sent.
• "PBOX" - PO Box Address is a postal office (PO) box.

• Recommended for TP3 flows
• 2-character ISO country code

10

• Recommended for TP3 flows
• Format is YYYY-MM-DD

• Recommended for TP3 flows
• 2-character ISO country code

Recommended for TP3 Flows Values include:

• "ADDR" - Postal Address is the complete postal address.
• "BIZZ" - Business Address is the business address.
• "DLVY" - DeliveryTo Address is the address to which delivery is to take place.
• "HOME" - Residential Address is the home address.
• "MLTO" - MailTo Address is the address to which mail is sent.
• "PBOX" - PO Box Address is a postal office (PO) box.

• Recommended for TP3 flows
• 2-character ISO country code

2

• Provides payment details to the beneficiary.
• The first 18 characters will be sent to the beneficiary bank as the reference, which should always appear on the beneficiary’s statement.
• The full value is also sent to the beneficiary bank as additional information. Only a limited number of banks currently display this information to their beneficiaries.
• For TP3 flows, the combined length of the following fields must not exceed 232 characters:
  • Ultimate debtor name
  • Individual/Organization ID
  • Address fields
  • Unstructured remittance information 

• Must be in ISO Date format of YYYY-MM-DD.
• Must be either the current or future date.

35

• Used for duplicate checking. 
• Must be unique for each transaction within the file. No special characters allowed.
• The characters on the right are treated as low order and must be unique.

• Field is expected to match "BRL" expression.

• Must be >=0.01
• Max 2 decimal places.
  

Field is expected to have one of these 8 or 11 BIC values per below:

• "CHASBRSP"
• "CHASBRSPXXX"

A required field when using Pay to Account. Value options include:

• "CACC" — Checking account
• "SLRY" -
• "TRAN" — Payment account
• "SVGS" — Savings account

• Mandatory for Pay to Account
• ISPB Beneficiary Bank Code

• Mandatory for Pay to Account
• "CLEARING_SYSTEM_ID"

• Mandatory for Pay to Account
• Beneficiary Branch number

• "INDIVIDUAL" — When the beneficiary is an individual.
• "CORPORATE " — When the beneficiary is a corporation.

• Must be in ISO Date format of YYYY-MM-DD.
• Must be either the current or future date.

35

• Used for duplicate checking. 
• Must be unique for each transaction within the file. No special characters allowed.
• The characters on the right are treated as low order and must be unique.

• Field is expected to match "BRL" expression.

1. Field is mandatory.
2. Field is expected to have maximum of 18 characters.
3. Field is expected to have no more than two decimal places.
4. Field is expected to be above 0.01
5. Must meet min/max amount for clearing per PBRM.
6. Must meet client and user limit entitlements.

Field is expected to have one of these 8 or 11 BIC values per below:

• "CHASBRSP"
• "CHASBRSPXXX"

Based on type:

• "EMAL" – 72 characters
• "MOBN" – 13 characters
• "CPF" – 11 characters
• "CNPJ" - 14 characters
• "EVP" - 32 characters
• "QRCD" - 500 characters

Must be PROPRIETARY.

Required for Pay to Proxy

Value options include:

• "EMAL" — Email Proxy
• "MOBN" — Mobile Number Proxy
• "CPF" — Individual Tax ID
• "CNPJ" — Corporate Tax ID
• ""EVP" — Random proxy
• "QRCD" — QR Code

Currently supports DDA or VAM account.

3

Recommended for TP3 Flows Values include:

• "ADDR" - Postal Address is the complete postal address.
• "BIZZ" - Business Address is the business address.
• "DLVY" - DeliveryTo Address is the address to which delivery is to take place.
• "HOME" - Residential Address is the home address.
• "MLTO" - MailTo Address is the address to which mail is sent.
• "PBOX" - PO Box Address is a postal office (PO) box.

Recommended for TP3 flows

Street name

• Recommended for TP3 flows
• 2-character ISO country code

• Recommended for TP3 flows
• 2-character ISO country code

"PROPRIETARY"

Required if either the debtor or creditor country of residency is not Malaysia

• "INDIVIDUAL" — When the beneficiary is an individual.
• "CORPORATE " — When the beneficiary is a corporation.

• Must be in ISO Date format of YYYY-MM-DD.
• Must be either the current or future date.

16

• Used for duplicate checking. 
• Must be unique for each transaction within the file. No special characters allowed.
• The characters on the right are treated as low order and must be unique.

• Must be >=0.01
• Max 2 decimal places
• Max Limit:
• Monday to Friday:
  • 6 AM - 6 PM: No limit
  • 6 PM - 6 AM: MXN 11,400
• Saturday & Sunday: MXN 11,400
  

Type of payment being initiated.

Field is expected to have one of these 8 or 11 BIC values per below:

• "CHASMXMX"
• "CHASMXMXXXX"

A required field when using Pay to Account. Value options include:

• "CLABE"
• "VOSTRO"
• "DDA"

Mandatory if the above is populated:

• "BIC" or
• "CLEARING_SYSTEM_ID"

• Must be in ISO Date format of YYYY-MM-DD.
• Must be either the current or future date.

16

• Used for duplicate checking. 
• Must be unique for each transaction within the file. No special characters allowed.
• The characters on the right are treated as low order and must be unique.

• Must be >=0.01
• Max 2 decimal places
• Max Limit:
• Monday to Friday:
  • 6 AM - 6 PM: No limit
  • 6 PM - 6 AM: MXN 11,400
• Saturday & Sunday: MXN 11,400
  

Type of payment being initiated.

Field is expected to have one of these 8 or 11 BIC values per below:

• "CHASMXMX"
• "CHASMXMXXXX"

• "MOBN" - 10
• "BANK" - 18
• "CARD" - 16

Must be PROPRIETARY.

Required for Pay to Proxy

Value options include:

• "MOBN" - Mobile number
• "BANK" - Bank identifier
• "CARD" - Debit card number

Mandatory if the above is populated:

• "BIC" or
• "CLEARING_SYSTEM_ID"

Currently only support DDA or VAM account

3

Recommended for TP3 Flows Values include:

• "ADDR" - Postal Address is the complete postal address.
• "BIZZ" - Business Address is the business address.
• "DLVY" - DeliveryTo Address is the address to which delivery is to take place.
• "HOME" - Residential Address is the home address.
• "MLTO" - MailTo Address is the address to which mail is sent.
• "PBOX" - PO Box Address is a postal office (PO) box.

Recommended for TP3 flows

Street name

• Recommended for TP3 flows
• 2-character ISO country code

• Recommended for TP3 flows
• 2-character ISO country code

• Recommended for TP3 flows
• 2-character ISO country code

10

• Recommended for TP3 flows
• Format is YYYY-MM-DD

• Recommended for TP3 flows
• 2-character ISO country code

Recommended for TP3 Flows Values include:

• "ADDR" - Postal Address is the complete postal address.
• "BIZZ" - Business Address is the business address.
• "DLVY" - DeliveryTo Address is the address to which delivery is to take place.
• "HOME" - Residential Address is the home address.
• "MLTO" - MailTo Address is the address to which mail is sent.
• "PBOX" - PO Box Address is a postal office (PO) box.

• Recommended for TP3 flows
• 2-character ISO country code

• Recommended for TP3 flows
• 2-character ISO country code

• Recommended for TP3 flows
• Format is YYYY-MM-DD

• Recommended for TP3 flows
• 2-character ISO country code

Recommended for TP3 Flows Values include:

• "ADDR" - Postal Address is the complete postal address.
• "BIZZ" - Business Address is the business address.
• "DLVY" - DeliveryTo Address is the address to which delivery is to take place.
• "HOME" - Residential Address is the home address.
• "MLTO" - MailTo Address is the address to which mail is sent.
• "PBOX" - PO Box Address is a postal office (PO) box.

2

• Recommended for TP3 flows
• 2-character ISO country code

• Mandatory if receiveracct.id is not provided. Value providded should be "BANK"
• If receiveracct.id or receiverAcct.alternatAccountIdentifier is present and receiveracct.type !=VOSTRO, Client can provide Tax ID (Optional)
• If provided, length should be 12 characters

requestedExecutionDate

The requested execution date.

10

10

• Must be formatted as YYYY-MM-DD. 
• Can be dated from one day in the past to five days in the future based on the current day and Eastern Time zone.

paymentIdentifiers.endToEndId

The payment’s unique end-to-end ID that's assigned by the sender.

1

35 

value.currency

The value's currency.

3

3

Must be CAD.

value.amount

The value's amount.

1

8

• Numeric characters only.
• Maximum of two decimal points.
• Must be a value from 0.01 to 25000.00.

transferType

The transfer type.

6

6

Must be CREDIT.

paymentType

The payment type.

3

3

Must be RTP.

debtor.account.accountNumber

The debtor's account number.

1

19

debtor.name

The debtor's name.

1

30

debtorAgent.financialInstitutionIds[].id

The debtor agent's financial institution ID.

8

8

Must be CHASCATT.

debtorAgent.financialInstitutionIds[].idType

The debtor agent's financial institution ID type.

3

3

Must be BIC.

creditor.name

The creditor's name.

1

30

creditor.postalAddress.country

The creditor's country.

2

2

Must be CA.

paymentPurpose.purpose.code

The payment's purpose code.

4

4

For supported values, see Purpose codes.

creditor.account.accountNumber

The creditor's account number.

10

35

• Must be formatted as aaa-bbbbb-cccccccccccccccccccccccc where aaa is the three-digit bank ID, bbbbb is the five-digit transit number, and cccccccccccccccccccccccc is the account number up to 24 digits.
• If the account number contains leading zeros, they must be removed.

creditor.account.alternateAccountIdentifiers.identifier

The creditor's alternate account ID.

10

256

RegEx

creditor.account.alternateAccountIdentifiers.proprietarySchemeName

The type of proxy account. 

4

35

• If account.alternateAccountIdentifiers.[].idType is set to PROPRIETARY, this field is required.
• Must be EMAL or TELI.

creditor.countryOfResidence

The creditor's country of residence.

2

2

Must be CA.

additionalParties.ultimateDebtor.name

The ultimate debtor's name.

1

140

additionalParties.ultimateDebtor.postalAddress.type

The ultimate debtor's postal address type.

4

4

Must be one of the following:

• ADDR for a complete postal address
• BIZZ for a business address
• DLVY for a DeliveryTo address 
• HOME for a residential address
• MLTO for a MailTo address
• PBOX for a PO box address

additionalParties.ultimateDebtor.postalAddress.buildingNumber

The ultimate debtor's building number.

1

16

additionalParties.ultimateDebtor.postalAddress.streetName

The ultimate debtor's street name.

1

70

additionalParties.ultimateDebtor.postalAddress.countrySubDivision

The ultimate debtor's country subdivision.

0

35

Can't contain special characters.

additionalParties.ultimateDebtor.postalAddress.country

The ultimate debtor's country.

2

2

secureVerification.key

The secure verification key.

1

40

• The sender can identify the challenge question and response for the beneficiary to authenticate and claim payments.
• The security question can be sent as clear text, but the response needs to follow a pseudocode.

secureVerification.secret

The secure verification key answer.

1

64

If a security question is provided, the appropriate hashed response must be provided. For example: "key": "what is your policy number?"; "secret": "UrWh9hQ3Ng68IY="

paymentExpiresAt

The payment's expiration date.

24

24

• If provided, must be from the next calendar day to 30 calendar days from the current date.
• If not provided, defaults to 30 calendar days from the current date.
• Must be formatted as YYYY-MM-DDThh:mm:ss+/-time offset to UTC.

creditor.postalAddress.type

The creditor's postal address type.

4

4

Must be one of the following:

• ADDR for a complete postal address
• BIZZ for a business address
• DLVY for a DeliveryTo address 
• HOME for a residential address
• MLTO for a MailTo address
• PBOX for a PO box address

creditor.postalAddress.buildingNumber

The creditor's building number.

1

16

creditor.postalAddress.streetName

The creditor's street name.

1

70

creditor.postaladdress.postalCode

The creditor's postal code.

1

16

creditor.postalAddress.countrySubDivision

The creditor's country subdivision.

1

35

remittanceInformation.unstructuredInformation.text

Unstructured information

1

140

• Must be in ISO Date format of YYYY-MM-DD.
• Must be either the current or future date.

35

• Used for duplicate checking. 
• Must be unique for each transaction within the file. No special characters allowed.
• The characters on the right are treated as low order and must be unique.

• Must be >= 0.01
• Max 2 decimal places
• Max Limit:
  • USD 1,000,000 (TCH)
  • USD 500,000 (FedNow)

Type of payment being initiated. 

ABA/routing number: 021000021

debtor.postalAddress.streetName

Street name

 70

• Recommended for TP3 flows
• Mandatory if postal address is provided

debtor.postaladdress.city

 City

 35

• Recommended for TP3 flows
• Mandatory if postal address is provided

debtor.postaladdress.postalCode

Postal code

 16

• Recommended for TP3 flows
• Mandatory if postal address is provided

debtor.postalAddress.countrySubDivision

Country subdivision

 35

• Recommended for TP3 flows
• Mandatory if postal address is provided

debtor.postalAddress.country

 Country

 2

• Recommended for TP3 flows
• 2-character ISO country code
• Mandatory if postal address is provided

debtor.dateAndPlaceOfBirth.city

City of Birth

 35

• Recommended for TP3 flows
• Mandatory if dateAndPlaceOfBirth is provided

debtor.dateAndPlaceOfBirth.country

Country of Birth

 2

• Recommended for TP3 flows
• 2-character ISO country code
• Mandatory if dateAndPlaceOfBirth is provided

debtor.dateAndPlaceOfBirth.birthDate

Birth date

 10

• Recommended for TP3 flows
• Format is YYYY-MM-DD
• Mandatory if dateAndPlaceOfBirth is provided

creditor.postalAddress.streetName

Street name

1

70

• Recommended for TP3 flows
• Mandatory if postal address is provided

creditor.postalAddress.city

City

1

35

• Recommended for TP3 flows
• Mandatory if postal address is provided

creditor.postaladdress.postalCode

Postal Code

1

16

• Recommended for TP3 flows
• Mandatory if postal address is provided

creditor.postalAddress.country

Country

2

• Recommended for TP3 flows
• 2-character ISO country code

creditor.postalAddress.countrySubDivision

Subdivision

1

35

• Recommended for TP3 flows
• Mandatory if postal address is provided

creditor.dateAndPlaceOfBirth.city

City of birth

1

35

• Recommended for TP3 flows
• Mandatory for dateAndPlaceOfBirth

creditor.dateAndPlaceOfBirth.country

Country

2

2

• Recommended for TP3 flows
• 2-character ISO country code
• Mandatory for dateAndPlaceOfBirth

creditor.dateAndPlaceOfBirth.birthDate

Birth date

10

10

• Recommended for TP3 flows
• Format is YYYY-MM-DD
• Mandatory if dateAndPlaceOfBirth is provided

additionalParties.ultimateDebtor.Name

Ultimate debtor name

1

140

• Recommended for TP3 Flows. 
• Mandatory if other details for ultimate debtor are provided.

additionalParties.ultimateDebtor.dateAndPlaceOfBirth.city

City of birth

1

35

• Recommended for TP3 Flows
• Mandatory if dateAndPlaceOfBirth is provided

additionalParties.ultimateDebtor.dateAndPlaceOfBirth.country

Country

2

2

• Recommended for TP3 flows
• 2-character ISO country code
• Mandatory if dateAndPlaceOfBirth is provided

additionalParties.ultimateDebtor.dateAndPlaceOfBirth.birthDate

Birth date

10

10

• Recommended for TP3 flows
• Format is YYYY-MM-DD
• Mandatory if dateAndPlaceOfBirth is provided

additionalParties.ultimateDebtor.postalAddress.streetName

Street name

1

70

• Recommended for TP3 flows
• Mandatory if postal address is provided

additionalParties.ultimateDebtor.postalAddress.city

City

1

35

• Recommended for TP3 flows
• Mandatory if postal address is provided

additionalParties.ultimateDebtor.postaladdress.postalCode

Postal code

1

16

• Recommended for TP3 flows
• Mandatory if postal address is provided

additionalParties.ultimateDebtor.postalAddress.countrySubDivision

Country sub-division

1

35

• Recommended for TP3 flows
• Mandatory if postal address is provided

additionalParties.ultimateDebtor.postalAddress.country

Country.

2

2

• Recommended for TP3 flows
• 2-character ISO country code
• Mandatory if postal address is provided

additionalParties.ultimateCreditor.Name

Party name

1

140

Becomes mandatory if other details for ultimate creditor are provided.

additionalParties.ultimateCreditor.dateAndPlaceOfBirth.city

City of birth

1

35

• Recommended for TP3 flows
• Mandatory if dateAndPlaceOfBirth is provided

additionalParties.ultimateCreditor.dateAndPlaceOfBirth.country

Country of birth

2

2

• Recommended for TP3 flows
• 2-character ISO country code
• Mandatory if dateAndPlaceOfBirth is provided

additionalParties.ultimateCreditor.dateAndPlaceOfBirth.birthDate

Date of birth

10

10

• Recommended for TP3 flows
• Format is YYYY-MM-DD
• Mandatory if dateAndPlaceOfBirth is provided

additionalParties.ultimateCreditor.postalAddress.streetName

Street name

1

70

• Recommended for TP3 flows
• Mandatory if postal address is provided

additionalParties.ultimateCreditor.postalAddress.city

City

1

35

• Recommended for TP3 flows
• Mandatory if postal address is provided

additionalParties.ultimateCreditor.postaladdress.postalCode

Postal code

1

16

• Recommended for TP3 flows
• Mandatory if postal address is provided

additionalParties.ultimateCreditor.postalAddress.country

Country

2

2

• Recommended for TP3 flows
• 2-character ISO country code
• Mandatory if postal address is provided

additionalParties.ultimateCreditor.postalAddress.countrySubDivision

Country subdivision

1

35

• Recommended for TP3 flows
• Mandatory if postal address is provided

remittanceInformation.structuredInformation[].additionalRemittanceInformation

Additional remittance information

Mandatory if structuredInformation object is used

Currently only support DDA or VAM account

3

debtor.postalAddress.addressLines

Unstructured address

Recommended for TP3 flows

debtor.postalAddress.buildingNumber

Building number

 16

Recommended for TP3 flows

Recommended for TP3 Flows Values include:

• "ADDR" - Postal Address is the complete postal address.
• "BIZZ" - Business Address is the business address.
• "DLVY" - DeliveryTo Address is the address to which delivery is to take place.
• "HOME" - Residential Address is the home address.
• "MLTO" - MailTo Address is the address to which mail is sent.
• "PBOX" - PO Box Address is a postal office (PO) box.

Recommended for TP3 flows

• Recommended for TP3 flows
• 2-character ISO country code

• Recommended for TP3 flows
• 2-character ISO country code

Recommended for TP3 Flows Values include:

• "ADDR" - Postal Address is the complete postal address.
• "BIZZ" - Business Address is the business address.
• "DLVY" - DeliveryTo Address is the address to which delivery is to take place.
• "HOME" - Residential Address is the home address.
• "MLTO" - MailTo Address is the address to which mail is sent.
• "PBOX" - PO Box Address is a postal office (PO) box.

• Recommended for TP3 flows
• 2-character ISO country code

Recommended for TP3 Flows Values include:

• "ADDR" - Postal Address is the complete postal address.
• "BIZZ" - Business Address is the business address.
• "DLVY" - DeliveryTo Address is the address to which delivery is to take place.
• "HOME" - Residential Address is the home address.
• "MLTO" - MailTo Address is the address to which mail is sent.
• "PBOX" - PO Box Address is a postal office (PO) box.

paymentType

Type of payment being initiated.

3

3

Must be RTP.

originalPaymentIdentifiers.bankReferenceNumber

Bank reference number of the original incoming payment.

1

12

• A unique identifier generated by JPMC for each payment.
• Either of the parameters from originalPaymentIdentifiers must be populated.

originalPaymentIdentifiers.clearingSystemReference

Clearing system reference number assigned to the original incoming payment.

1

50

• Either of the parameters from originalPaymentIdentifiers must be populated.
• This field is not supported for Brazil RTP.

originalPaymentIdentifiers.paymentId

paymentId of the original incoming payment. 

1

128

Either of the parameters from originalPaymentIdentifiers must be populated.

originalPaymentIdentifiers.endToEndId

endToEndId of the original incoming payment.

1

35

Either of the original payment reference numbers must be populated.

originalPaymentIdentifiers.originalValue.currency

Currency of the Original Incoming payment, based on ISO 4217 Alpha-3 currency code.

3

3

This is mandatory if originalPaymentIdentifiers.endToEndId is provided.

originalPaymentIdentifiers.originalValue.amount

Amount of the original incoming payment.

0.01

18

This is mandatory if originalPaymentIdentifiers.endToEndId is provided.

originalPaymentIdentifiers.valueDate

Value date of the original incoming payment

1

10

• This is mandatory if originalPaymentIdentifiers.endToEndId is provided.
• Must be in ISO date format of YYYY-MM-DD.

paymentIdentifiers.endToEndId

Customer-assigned unique identifier to unambiguously identify the payment return request. This identification is passed on, unchanged, throughout the entire end-to-end chain.

1

35

• Must be unique for each transaction within the file. No special characters allowed.
• This value is used for duplicate checking. 

country

ISO country code

2

2

Specify the market from which the request originates.

chargeBearer

 Party bearing the transaction fees.

Allowed values are CREDITOR, DEBTOR, and SHARED.

returnType

Indicates whether the return is a full or partial return.
FULL: Returns the entire original amount.

PARTIAL: Returns only a portion of the original payment amount.

• If the returnType is not specified, this will automatically be processed as a FULL return.
• Allowed values are FULL and PARTIAL.

value.amount

Amount of the return payment. This should be Partial or Full amount but cannnot be more than the original amount.

0.01

18

• Field is expected to have no more than two decimal places.
• Field is expected to be above 0.01.
• Specify the return amount to be paid back to the originator. This is mandatory in case of partial return.

value.currency

Currency of the return payment, based on ISO 4217 Alpha-3 currency code.

3

3

• If this is not provided, the original incoming payment currency will be taken.
• Currency of the payment, based on ISO 4217 Alpha-3 currency code. 

reason.code

Reason for the return in coded format.

4

4

Captures the reason for the return in coded format. Valid value is "MD06" for Brazil.

reason.proprietary

Reason for the return in proprietary format.

1

35

Captures the reason for the return in proprietary format.

additionalInformation

Additional information about the return.

1

105