Payment and returns parameters

requestedExecutionDate

10

10

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

paymentIdentifiers.endToEndId

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

1

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 defined in the ANZ PEPPOL framework for e-Invoicing)
• For the rest, populate Customer Ref

value.currency

The currency of value.amount.

3

3

Fixed value: "AUD"

value.amount

The value’s amount.

1

18

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

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

35

debtorAgent.financialInstitutionIds[].id

The debtor agent’s financial institution ID.

8

8

Field is expected to have this BIC value: CHASAU2X

debtorAgent.financialInstitutionIds[].idType

The debtor agent’s financial institution ID type.

3

3

"BIC"

• Must be in ISO Date format of YYYY-MM-DD.
• Must be either the current or future date.
• The date entered represents the clearing’s time zone, not your local time zone.

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 defined 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 $10,000,000

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.
• The date entered represents the clearing’s time zone, not your local time zone.

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 defined 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 $10,000,000

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.

Street name

 2-character ISO country code

 2-character ISO country code

 2-character ISO country code

10

 Format is YYYY-MM-DD

 2-character ISO country code

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.

35

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

2-character ISO country code

Format is YYYY-MM-DD

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

"CODE" 

• Must be in ISO Date format: YYYY-MM-DD.
• Must be either the current or a future date.
• The date entered represents the clearing’s time zone, not your local time zone.

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.
• The date entered represents the clearing’s time zone, not your local time zone.

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.
• The date entered represents the clearing’s time zone, not your local time zone.

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.

requestedExecutionDate

The requested execution date.

10

10

• Field is expected to match ISO date format (YYYY-MM-DD).
• Must be either the current or future date.

paymentIdentifiers.endToEndId

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

1

35

• Must be unique for each transaction within the file. No special characters allowed.
• This value is used for duplicate checking and the right most positions are assumed to be low order (and therefore unique).
• Only first 16 characters will be populated in the Account Statements and Reports as Customer Reference.

value.currency

The value’s currency.

3

3

Fixed value: INR

value.amount

The value’s amount.

1

18

• Must be > 1.00. Max 2 decimal places. Max Limit through IMPS: INR 500,000. Refer Purpose Code list for Transaction limits.

transferType

The transfer type.

6

6

Must be CREDIT

paymentType

The payment type.

3

3

Must be RTP

paymentTypeInformation.localInstrumentCode.proprietary

Specifies the local instrument, as a proprietary code.

3

3

Should be RDA

debtor.account.accountNumber

The debtor’s account number.

1

34

NREH's account with JPM India

debtorAgent.financialInstitutionIds[].id

The debtor agent’s financial institution ID.

8

8

Field is expected to have this BIC value: CHASINBX

debtorAgent.financialInstitutionIds[].idType

The debtor agent’s financial institution ID type.

3

3

BIC

creditor.account.accountNumber

The creditor’s account number.

1

34

This field is to provide the regular account id when it is a Pay by Account instruction.
Currently supports Pay by Account 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 Pay by Account only.

creditor.postalAddress.addressLines

The creditor's unstructured address.

1

70

creditor.postaladress.postalCode

The creditor's postal code.

1

16

creditor.countryOfResidence

Country of residence

2

2

2-character ISO country code

creditorAgent.financialInstitutionIds[].id

The creditor agent’s financial institution ID.

11

11

Mandatory for Pay to Account
11 character IFSC Code.  Example: BKID0002743 
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

additionalParties.ultimateDebtor.organizationIds[].organizationId

Formally Issued Organization Identifier

1

35

• 1st instance: Populate with ultimate debtor's bank account number or Unique Reference Number or Identification Number, if Ultimate Debtor is an entity or corporation.
• 2nd Instance: Populate with Nationality, if the ultimate debtor is entity or corporation.
• 3rd Instance: Populate with LEI code when the payment amount is > INR 500MM and if the ultimate debtor is entity or corporation.

additionalParties.ultimateDebtor.organizationIds[].schemeName.proprietary

Specifies the type of scheme with a proprietary code.

1

35

• When ultimate debtor is entity, 1st instance should be "ACCOUNT".
• When ultimate debtor is entity, 2nd instance should be "NATIONALITY".
• When ultimate debtor is entity, 3rd instance should be "LEI" when the payment amount is > INR 500MM

additionalParties.ultimateDebtor.individualIds[].individualId

Individual id details

1

35

• 1st instance: Populate with ultimate debtor's bank account number unique reference number or identification number, if ultimate debtor is an individual or person.
• 2nd Instance: Populate with Nationality, if the ultimate debtor is individual or person.

additionalParties.ultimateDebtor.individualIds[].schemeName.proprietary

Specifies the type of scheme with a proprietary code.

1

35

• When ultimate debtor is individual or person, 1st instance should be ACCOUNT.
• When ultimate debtor is individual or person, 2nd instance should be NATIONALITY.

additionalParties.ultimateDebtor.Name

The ultimate debtor's name.

1

140

additionalParties.ultimateDebtor.postalAddress.addresslines

Unstructured addresses

1

70

Maximum of 7 lines.

additionalParties.ultimateDebtor.postalAddress.city

City

1

35

additionalParties.ultimateDebtor.postalAddress.country

The ultimate debtor’s country.

2

2

2 character ISO code

additionalParties.previousInstructingAgents[].position

Position of the previous instructing agent in the payment chain

1

1

• "1": This block should be used to add information for ultimate debtor's bank details.
• "2": This block should be used to add information for the NREH's overseas bank.

additionalParties.previousInstructingAgents[].account.name

Primary account details of the previous instructing agent. Name of the account, as assigned by the account servicing institution

1

140

• 1st instance is optional.
• 2nd instance should include NREH's account name for the account number held with overseas bank.

additionalParties.previousInstructingAgents[].account.accountNumber

This field captures a regular account number

1

35

• 1st instance is optional.
• 2nd instance should include NREH's account number held with overseas bank.

additionalParties.previousInstructingAgents[].financialInstitutionIds.id

Financial Institution Identifier

8

8

• 1st instance: Provide ultimate debtor's bank account BIC.
• 2nd instance: NREH to provide the BIC of their preferred bank through which JPM DDA has been funded.

additionalParties.previousInstructingAgents[].financialInstitutionIds.idType

Type of identifier

3

3

BIC

paymentPurpose.purpose.proprietary

Purpose of the payment in proprietary form

5

5

Refer to the list of applicable purpose codes for RDA payments.

debtor.account.accountType

This field captures the debtor's account type

1

3

Currently only support DDA

debtor.account.accountCurrency

The debtor's account currency.

3

3

INR

creditor.postalAddress.type

Type of postal address

4

4

Allowed 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.

creditor.postalAddress.buildingNumber

The creditor's building number.

1

16

creditor.postalAddress.streetName

The creditor's street name.

1

70

creditor.postalAddress.city

The creditor's city.

1

35

creditor.postalAddress.countrySubDivision

The creditor's country subdivision.

1

35

creditor.postalAddress.country

The creditor's country.

2

2

creditor.dateAndPlaceOfBirth.city

City of birth

1

35

creditor.dateAndPlaceOfBirth.countrySubDivision

Country Subdivision Code

2

2

creditor.dateAndPlaceOfBirth.country

Country of birth

2

2

2-character ISO country code

creditor.dateAndPlaceOfBirth.birthDate

Date of Birth

10

10

Format is YYYY-MM-DD

creditor.partyId.organizationIds[].organizationId

Formally Issued Organization Identifier

1

35

1st instance to be Tax ID or GST number of the beneficiary, if its an entity.

When creditor is entity, 2nd instance to be LEI code if the bene is entity and amount of txn is >=INR 500MM

creditor.partyId.organizationIds[].issuer

Issuer of formally Issued Organization Identifier

1

35

creditor.partyId.organizationIds[].schemeName.properietary

Specifies the type of scheme with a proprietary code.

1

35

• 1st instance populate with "GST"
• When creditor is entity, 2nd instance populate with "LEI"

creditor.partyId.individualIds[].individualId

Individual id details

1

35

Tax ID or GST number of the individual if available, else leave blank

creditor.partyId.individualIds[].issuer

Issuer of the identifier

1

35

creditor.partyId.individualIds[].schemeName.proprietary

Specifies the type of scheme with a proprietary code.

1

35

Populate with "GST" in case GST number available, else leave blank

additionalParties.ultimateDebtor.organizationIds[].issuer

Issuer of the identifier

1

35

additionalParties.ultimateDebtor.individualIds[].issuer

Issuer of the identifier

1

35

additionalParties.ultimateDebtor.dateAndPlaceOfBirth.city

City of birth

1

35

additionalParties.ultimateDebtor.dateAndPlaceOfBirth.country

Country

2

2

2-character ISO country code

additionalParties.ultimateDebtor.dateAndPlaceOfBirth.birthDate

Birth date

10

10

Format is YYYY-MM-DD

additionalParties.ultimateDebtor.countryOfResidence

Country of residence

2

2

2-character ISO country code

additionalParties.ultimateDebtor.postalAddress.type

Type of postal address

4

4

Recommended for TP3 flows

Allowed 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.ultimateDebtor.postalAddress.buildingNumber

Building number

1

16

additionalParties.ultimateDebtor.postalAddress.streetName

Street name

1

70

additionalParties.ultimateDebtor.postaladdress.postalCode

Postal code

1

16

additionalParties.ultimateDebtor.postalAddress.countrySubDivision

Country sub division

1

35

additionalParties.ultimateCreditor.Name

Party name

1

120

additionalParties.ultimateCreditor.dateAndPlaceOfBirth.city

City of birth

1

35

additionalParties.ultimateCreditor.dateAndPlaceOfBirth.country

Country of birth

2

2

2-character ISO country code

additionalParties.ultimateCreditor.dateAndPlaceOfBirth.birthDate

Date of birth

10

10

Format is YYYY-MM-DD

additionalParties.ultimateCreditor.postalAddress.type

Type of postal address

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

Unstructured addresses

1

70

Maximum of 7 lines

additionalParties.ultimateCreditor.postalAddress.buildingNumber

Building number

1

35

additionalParties.ultimateCreditor.postalAddress.streetName

Street name

1

70

additionalParties.ultimateCreditor.postalAddress.city

City

1

35

additionalParties.ultimateCreditor.postaladdress.postalCode

Postal code

1

16

additionalParties.ultimateCreditor.postalAddress.countrySubDivision

Country sub division

1

35

additionalParties.ultimateCreditor.postalAddress.country

Country

2

2

2-character ISO country code

additionalParties.previousInstructingAgents[].name

Name of the previous instructing agent

1

140

additionalParties.previousInstructingAgents[].account.accountType

Account type

4

4

additionalParties.previousInstructingAgents[].account.accountCurrency

ISO 4217 Alpha-3 Currency Code

2

2

additionalParties.previousInstructingAgents[].postalAddress.type

Type of postal address

4

4

Allowed 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.previousInstructingAgents[].postalAddress.addresslines

Unstructured addresses

1

70

Maximum of 7 lines.

additionalParties.previousInstructingAgents[].postalAddress.buildingNumber

Building number

1

35

additionalParties.previousInstructingAgents[].postalAddress.streetName

Street name

1

70

additionalParties.previousInstructingAgents[].postalAddress.city

City

1

35

additionalParties.previousInstructingAgents[].postaladdress.postalCode

Postal code

1

16

additionalParties.previousInstructingAgents[].postalAddress.countrySubDivision

ISO 3166-2 Alphanumeric 3 letter Country Subdivision Code

1

35

additionalParties.previousInstructingAgents[].postalAddress.country

ISO 3166-1 Alpha-2 Country Code

2

2

2-character ISO country code

additionalParties.previousInstructingAgents[].isForeignParty

TRUE or FALSE

remittanceInformation.unstructuredInformation.text

The payment's remittance information.

1

50

This is to provide other payment details. Maximum of 6 lines.

remittanceInformation.structuredInformation[].referredDocumentInformation.documentIdentifier

Document identifier

1

35

Capture invoice number or any other reference number against which payment is being made.

regulatoryReporting.details[].country

Country

2

2

Ultimate debtor should provide the country code in ISO format for the country from which the payment is initiated. This is to be used for mapping purpose code or country code in outgoing domestic message.

requestedExecutionDate

The requested execution date.

10

10

• Must match ISO date format (YYYY-MM-DD). 
• Must be either the current or a future date.
• The date entered represents the clearing’s time zone, not your local time zone.

paymentIdentifiers.endToEndId

Customer-assigned unique identifier used to unambiguously identify the payment initiation request. This identifier is passed on, unchanged, throughout the entire end-to-end chain, with the exception of account statements and reports, where only the first 16 characters will be populated.

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

A string representation of a whole number or decimal positive number. The amount must be greater than 1 and can have up to two decimal places in most markets.

1

18

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 is expected to have this 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 to provide the regular account id when it is a Pay by Account instruction only.

creditor.account.accountType

The creditor's account type.

4

4

Allowed values:

• "CACC": CURRENT
• "NREX": NRE
• "SVGS": SAVINGS
• "CACR": CASHCREDIT
• "NROR": NRO

creditor.name

The creditor’s name.

1

140

Mandatory for Pay to Account.

creditorAgent.financialInstitutionIds[].id

The creditor agent’s financial institution ID.

11

11

• Mandatory for Pay to Account.
• 11 character IFSC Code. Example: BKID0002743.
• 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

requestedExecutionDate

The requested execution date.

10           

10

• Must match ISO date format (YYYY-MM-DD). 
• Must be either the current or a future date.
• The date entered represents the clearing’s time zone, not your local time zone.

paymentIdentifiers.endToEndId

Customer-assigned unique identifier used to unambiguously identify the payment initiation request. This identifier is passed on, unchanged, throughout the entire end-to-end chain, with the exception of account statements and reports, where only the first 16 characters will be populated.

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

A string representation of a whole number or decimal positive number. The amount must be greater than 1 and can have up to two decimal places in most markets.

1

18

INR 100,000 for Pay to proxy (supports upto INR 500,000 for specific use-cases)

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.alternateAccountIdentifiers.identifier

The Alternate Account Identifier value

1

256

Required for Pay to Proxy

creditor.account.alternateAccountIdentifiers.idType

One or more values that can be used as alternative identifiers for an account

11

11

Must be "PROPRIETARY"

creditor.account.alternateAccountIdentifiers.proprietarySchemeName

Specifies the type of Proxy account. Mandatory if account.alternateAccountIdentifiers is present

4

4

Value options include:

"MBNO": Mobile No (minimum 10 and maximum 10)

"SHID": VPA Address (minimum 3 - maximum 255)

"SSID": UPI ID (minimum 8 -  max10)

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.

• Must be in ISO Date format: YYYY-MM-DD.
• Must be either the current or a future date.
• The date entered represents the clearing’s time zone, not your local time zone.

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.
• The date entered represents the clearing’s time zone, not your local time zone.

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.
• The date entered represents the clearing’s time zone, not your local time zone.

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.
• The date entered represents the clearing’s time zone, not your local time zone.

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

requestedExecutionDate

Enter the requested execution date in YYYY-MM-DD format. Use today’s date or a future date.

1

10

• Must be ISO date YYYY-MM-DD.
• Must be current or future date.
• Date is in clearing time zone.

paymentIdentifiers.endToEndId

Customer-assigned unique identifier for the payment initiation request. Passed unchanged end-to-end; account statements and reports show only the first 16 characters.

1

35

• Must be unique per transaction; no special characters.
• Used for duplicate checking; rightmost positions assumed low order.
• First 16 characters appear as Customer Reference. We may or may not pass to clearing.

value.currency

Currency of the payment (ISO 4217 alpha-3).

3

3

Fixed value: THB.

value.amount

Positive whole number or decimal. Amount must be greater than 0.01; up to two decimal places.

1

18

• ≤ 2 decimal places. > 0.01.
• Max limit: THB 2,000,000.00.

transferType

Indicates the direction of money movement.

1

Must be CREDIT for routing rules.

paymentType

Type of payment being initiated.

3

3

Must be RTP for routing rules.

paymentTypeInformation.localInstrumentCode.proprietary

Proprietary code specifying the local instrument.

5

5

AA = scheme (e.g., PP), B = type (D domestic, C cross-border), CC = transaction (e.g., CT, BP). Always “PPDCT” for domestic transfers.

debtor.account.accountNumber

Debtor account number.

1

35

debtorAgent.financialInstitutionIds[].id

Financial institution identifier (e.g., BIC).

1

8

Must be 8-character BIC: CHASTHBX.

debtorAgent.financialInstitutionIds[].idType

Type of financial institution identifier.

3

3

Must be “BIC”.

creditor.account.accountNumber

Regular account number.

1

35

Provide for Pay to Account. Do not populate for Pay to Proxy.

creditor.name

Party name.

1

140

Mandatory for Pay to Account.

creditorAgent.financialInstitutionIds[].id

Financial institution identifier (e.g., bank code).

3

3

Mandatory for Pay to Account. 3‑digit bank code.

creditorAgent.financialInstitutionIds[].idType

Type of financial institution identifier.

18

Must be “CLEARING_SYSTEM_ID”.

paymentPurpose.purpose.proprietary

Purpose of payment (proprietary code).

6

Mandatory if using non‑resident accounts for domestic payments (PPDCT) for regulatory reporting (6‑digit purpose code).

paymentPurpose.categoryPurpose.proprietary

Category purpose (proprietary code).

4

Optional for domestic payments. Use “SALA” for salary to mask creditor details in statements/reports.

remittanceInformation.unstructuredInformation.text

Unstructured remittance information.

140 (2 lines)

Optional. Only first 40 characters sent to clearing. Thai characters allowed.

requestedExecutionDate

Enter the requested execution date in YYYY-MM-DD format. Use today’s date or a future date.

1

10

Must be ISO date YYYY-MM-DD. Must be current or future date. Date is in clearing time zone.

paymentIdentifiers.endToEndId

Customer-assigned unique identifier for the payment initiation request. Passed unchanged end-to-end; account statements and reports show only the first 16 characters.

1

35

Must be unique per transaction; no special characters. Used for duplicate checking; rightmost positions assumed low order. First 16 characters appear as Customer Reference. JPM may or may not pass to clearing.

value.currency

Currency of the payment (ISO 4217 alpha-3).

3

3

Fixed value: THB.

value.amount

Positive whole number or decimal. Amount must be greater than 0.01; up to two decimal places.

1

18

≤ 2 decimal places. > 0.01. Max limit: THB 2,000,000.00.

transferType

Indicates the direction of money movement.

1

Must be CREDIT for routing rules.

paymentType

Type of payment being initiated.

3

3

Must be RTP for routing rules.

paymentTypeInformation.localInstrumentCode.proprietary

Proprietary code specifying the local instrument.

5

5

AA = scheme (e.g., PP), B = type (D domestic, C cross-border), CC = transaction (e.g., CT, BP). Always “PPDCT” for domestic transfers.

debtor.account.accountNumber

Debtor account number.

1

35

debtorAgent.financialInstitutionIds[].id

Financial institution identifier (e.g., BIC).

1

8

Must be 8-character BIC: CHASTHBX.

debtorAgent.financialInstitutionIds[].idType

Type of financial institution identifier.

3

3

Must be “BIC”.

creditor.account.alternateAccountIdentifiers.identifier

Alternate account identifier.

15

Based on type: NIDN: 13 digits; MBNO: +66 + 9 digits; EWALLETID: 15 digits (e.g., 123XXXXXXXXXXXX).

creditor.account.alternateAccountIdentifiers.idType

Alternate identifier type for an account.

11

11

Required for Pay to Proxy. Use “PROPRIETARY”. When idType is PROPRIETARY, proprietarySchemeName must be provided.

creditor.account.alternateAccountIdentifiers.proprietarySchemeName

Type of proxy account.

5

9

Required for Pay to Proxy (domestic). Allowed values: NIDN, MBNO, EWALLETID.

paymentPurpose.purpose.proprietary

Purpose of payment (proprietary code).

6

6

Mandatory if using non‑resident accounts for domestic payments (PPDCT) for regulatory reporting (6‑digit purpose code).

paymentPurpose.categoryPurpose.proprietary

Category purpose (proprietary code).

4

Optional for domestic payments. Use “SALA” for salary to mask creditor details in statements/reports.

remittanceInformation.unstructuredInformation.text

Unstructured remittance information.

140 (2 lines)

Optional. Only first 40 characters sent to clearing. Thai characters allowed.

creditor.contactDetails.emailAddress

Email address.

70

Optional (remittance advice to beneficiary). Separate multiple emails with “;”.

taxInformation.type

Tax information type.

1

1

Indicates the beneficiary specific information. Code "1", "2", or "3" is being used: 

• "1": Tax deduction at source
• "2": Payroll transaction.
• "3": One-time payment only 

taxInformation.creditorTaxInformation.taxId

Creditor’s tax ID.

13

13

Payee tax ID

taxInformation.debtorTaxInformation.taxId

Debtor’s tax ID.

13

13

Payer tax ID

taxInformation.taxEntries[].invoicePriorTax

Invoice amount before VAT

1

18

• Must be >=0.01
• Max 2 decimal places
• Array - Can be repeated up to 3 times

taxInformation.taxEntries[].incomeCode

Type of income code (3‑digit numeric).

3

3

Up to 3 entries allowed.

taxInformation.taxEntries[].VATamount

VAT amount

1

18

• Must be => 0.01
• Max 2 decimal places
• Array - Can be repeated up to 3 times

taxInformation.taxEntries[].taxAmount.currency

ISO 4217 Alpha-3 currency code

3

3

• Fixed value: THB
• Up to 3 entries allowed.

taxInformation.taxEntries[].taxAmount.amount

Withholding tax amount deducted.

1

18

• Must be => 0.01
• Max 2 decimal places

taxInformation.debtorTaxInformation.VATBranchCode

Sender VAT branch code

5

5

Optional for e-WHT payments

taxInformation.creditorTaxInformation.VATBranchCode

Receiver VAT branch code

5

5

Optional for e-WHT payments

requestedExecutionDate

Requested execution date of the payment instruction (e.g., value date).

10

10

• Field is expected to match ISO date format (YYYY-MM-DD).
  Must be either the current or future date.

paymentIdentifiers.endToEndId

Customer assigned unique identifier to unambiguously identify the payment transaction.

1

35

• Must be unique for each transaction within the file.
• No special characters allowed.
• This value is used for duplicate checking and the rightmost positions are assumed to be low order (and therefore unique).

value.currency

ISO 4217 Alpha-3 Currency Code.

3

3

"EUR"

value.amount

A string representation of a (potentially) whole number or decimal positive number.

1

18

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

transferType

Indicates the direction of the money movement.

6

6

Must be CREDIT.

paymentType

The type of payment being initiated.

3

3

Must be RTP.

debtor.account.accountNumber

This field captures a regular account number.

1

34

Debtor Account IBAN.F

debtorAgent.financialInstitutionIds[].id

Financial Institution Identifier.

8

11

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

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

debtorAgent.financialInstitutionIds[].idType

3

3

"BIC"

creditor.account.accountNumber

This field captures a regular account number.

1

34

Must contain a valid IBAN.

creditor.name

Party name.

1

70

debtor.account.accountType

1

4

Currently only support IBAN accounts.

debtor.account.accountCurrency

ISO 4217 Alpha-3 Currency Code.

3

3

Currently only supports "EUR".

creditor.account.accountType

4

4

"IFRDA"

creditor.postalAddress.type

4

4

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.

creditor.postalAddress.addressLines[]

1

70

• Maximum of 2 lines.
• If postal address is present, then city and country are mandatory.

creditor.postalAddress.buildingNumber

16

If postal address is present, then city and country are mandatory.

creditor.postalAddress.streetName

1

70

If postal address is present, then city and country are mandatory.

creditor.postalAddress.postalCode

1

16

If postal address is present, then city and country are mandatory.

creditor.postalAddress.countrySubDivision

ISO 3166-2 Alphanumeric Country Subdivision Code.

1

35

If postal address is present, then city and country are mandatory.

creditor.dateAndPlaceOfBirth.city

City or town name.

1

35

creditor.dateAndPlaceOfBirth.country

ISO 3166-1 Alpha-2 Country Code.

2

2

2-character ISO country code.

creditor.dateAndPlaceOfBirth.birthDate

Birth date in YYYY-MM-DD format eg. 1984-05-19.

10

10

• Format is YYYY-MM-DD.
• If used then birthDate, cityOfBirth and countryOfBirth must be populated.

creditor.countryOfResidence

ISO 3166-1 Alpha-2 Country Code.

2

2

2-character ISO country code.

creditor.partyId.organizationIds[].organizationId

Formally Issued Organization Identifier.

1

35

Either individualID or organizationID, not both.

creditor.partyId.organizationIds[].issuer

Entity that assigns the identification.

1

35

creditor.partyId.organizationIds[].schemeName.proprietary

Specifies the type of scheme with a proprietary value.

1

3

creditor.partyId.individualIds[].individualId

Unique and unambiguous identification of an individual.

1

35

Either individualID or organizationID, not both.

creditor.partyId.individualIds[].issuer

Entity that assigns the identification.

1

35

creditor.partyId.individualIds[].schemeName.proprietary

Specifies the type of scheme with a proprietary value.

1

3

creditorAgent.financialInstitutionIds[].id

8

11

Clients are encouraged not to populate in payload, CreditorAgent BIC will be derived from the Creditor IBAN.

additionalParties.ultimateDebtor.partyId.organizationIds[].issuer

Entity that assigns the identification.

1

35

additionalParties.ultimateDebtor.dateAndPlaceOfBirth.city

City or town name.

1

35

Applicable to TP3 Flows.

additionalParties.ultimateDebtor.dateAndPlaceOfBirth.country

ISO 3166-1 Alpha-2 Country Code.

2

2

Applicable to TP3 Flows.
2-character ISO country code.

additionalParties.ultimateDebtor.dateAndPlaceOfBirth.birthDate

Birth date in YYYY-MM-DD format eg. 1984-05-19.

10

10

Applicable to TP3 Flows.
Format is YYYY-MM-DD.
If used then birthDate, cityOfBirth and countryOfBirth must be populated.

additionalParties.ultimateDebtor.postalAddress.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.ultimateDebtor.postalAddress.buildingNumber

1

16

Recommended for TP3 flows.
If postal address is present, then city and country are mandatory.

additionalParties.ultimateDebtor.postalAddress.countrySubDivision

ISO 3166-2 Alphanumeric Country Subdivision Code.

1

35

Recommended for TP3 flows.
If postal address is present, then city and country are mandatory.

additionalParties.ultimateCreditor.partyId.organizationIds[].organizationId

Formally Issued Organization Identifier.

1

35

Either individualID or organizationID, not both.

additionalParties.ultimateCreditor.partyId.organizationIds[].issuer

Entity that assigns the identification.

1

35

additionalParties.ultimateCreditor.partyId.organizationIds[].schemeName.proprietary

Specifies the type of scheme with a proprietary value.

1

3

additionalParties.ultimateCreditor.partyId.individualIds[].individualId

Unique and unambiguous identification of an individual.

1

35

Either individualID or organizationID, not both.

additionalParties.ultimateCreditor.partyId.individualIds[].issuer

Entity that assigns the identification.

1

35

additionalParties.ultimateCreditor.partyId.individualIds[].schemeName.proprietary

Specifies the type of scheme with a proprietary value.

1

3

additionalParties.ultimateCreditor.name

1

70

additionalParties.ultimateCreditor.postalAddress.type

4

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[]

Ultimate creditor address lines.

70

Maximum of 2 lines.
If postal address is present, then city and country is mandatory.

additionalParties.ultimateCreditor.postalAddress.buildingNumber

1

35

If postal address is present, then city and country is mandatory.

additionalParties.ultimateCreditor.postalAddress.streetName

1

70

If postal address is present, then city and country is mandatory.

additionalParties.ultimateCreditor.postalAddress.postalCode

1

16

If postal address is present, then city and country is mandatory.

additionalParties.ultimateCreditor.postalAddress.countrySubDivision

ISO 3166-2 Alphanumeric Country Subdivision Code.

1

35

If postal address is present, then city and country is mandatory.

paymentPurpose.purpose.code

Purpose of the payment in coded form.

4

4

remittanceInformation.unstructuredInformation[].text

Maximum number of lines and characters supported per market/instrument.

1

140

This is to provide other payment details.
Maximum of 1 line.

creditor.postalAddress.city

1

35

Mandatory if postal address is provided.

creditor.postalAddress.country

ISO 3166-1 Alpha-2 Country Code.

2

2

Mandatory if postal address is provided.

creditorAgent.financialInstitutionIds[].idType

3

3

Required if previous field is populated. Use "BIC"

additionalParties.ultimateDebtor.partyId.organizationIds[].organizationId

Formally Issued Organization Identifier.

1

35

Mandatory for TP3 flows (Either Organization Id or Individual Id).

The Ultimate Debtor's physical or virtual IBAN/account number is recommended. Otherwise, in the account is not available, a unique identifier should be specified; to be determined by the payment service provider that could allow traceability back to the Ultimate Debtor.

additionalParties.ultimateDebtor.partyId.organizationIds[].schemeName.proprietary

Specifies the type of scheme with a proprietary value.

1

3

"BIC", "LEI", or "ID"

additionalParties.ultimateDebtor.partyId.individualIds[].individualId

Unique and unambiguous identification of an individual.

1

35

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.ultimateDebtor.partyId.individualIds[].schemeName.proprietary

Specifies the type of scheme with a proprietary value.

1

3

"BIC", "LEI", or "ID"

additionalParties.ultimateDebtor.name

1

140

Mandatory for TP3 flows to comply with FTR regulation.

additionalParties.ultimateDebtor.countryOfResidence

ISO 3166-1 Alpha-2 Country Code.

2

2

Mandatory for TP3 flows to be compliant with FTR regulations. 2-character ISO country code

additionalParties.ultimateDebtor.postalAddress.addressLines[]

1

70

Recommended for TP3 flows.
Maximum of 2 lines.
If postal address is present, then city and country are mandatory.

additionalParties.ultimateDebtor.postalAddress.streetName

1

70

Recommended for TP3 flows.
If postal address is present, then city and country are mandatory.

additionalParties.ultimateDebtor.postalAddress.city

1

35

Mandatory for TP3 flows to comply with FTR regulation.
Mandatory if postal address is provided.

additionalParties.ultimateDebtor.postalAddress.postalCode

1

16

Recommended for TP3 flows.
If postal address is present, then city and country are mandatory.

additionalParties.ultimateDebtor.postalAddress.country

ISO 3166-1 Alpha-2 Country Code.

2

2

Mandatory for TP3 flows to comply with FTR regulation.
Mandatory if postal address is provided.
2-character ISO country code.

additionalParties.ultimateCreditor.postalAddress.city

1

35

"If postal address is present, then city and country are mandatory."

additionalParties.ultimateCreditor.postalAddress.country

ISO 3166-1 Alpha-2 Country Code.

2

2

If postal address is present, then city and country are mandatory.
2-character ISO country code.

requestedExecutionDate

Requested execution date for the payment instruction, such as the value date.

10

10

• Must be in ISO Date format of YYYY-MM-DD.
• Must be either the current or future date.
• The date entered represents the clearing’s time zone, not your local time zone.

paymentIdentifiers.endToEndId

Customer-assigned unique identifier used to unambiguously identify the payment initiation request. This identifier is passed on, unchanged, throughout the entire end-to-end chain, with the exception of account statements and reports, where only the last 16 characters will be displayed in some fields.

1

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.

value.currency

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

3

3

Fixed Value: CHF

value.amount

A String representation of a (potentially) whole number or decimal positive number. Amount should be more than 0.01 with maximum of two decimal places allowed in most markets.

0.01

18

• Must be > = 0.01
• Max 2 decimal places
• Max Limit: CHF 20,000

transferType

Indicates the direction of the money movement. 

6

6

Must put CREDIT for routing rules.

paymentType

Type of payment being initiated. 

3

3

Must put RTP for routing rules.

debtor.account.accountNumber

This field captures the debtor's account number.

8

21

DDA or IBAN accepted

debtorAgent.financialInstitutionIds[].id

The financial institution identifier, for example "BIC".

8

11

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

• CHASCHGX
• CHASCHGXXXX

debtorAgent.financialInstitutionIds[].idType

The type of financial institution identifier.

3

3

Must be BIC.

creditor.account.accountNumber

This field captures an IBAN.

21

21

Must be Swiss or Liechtenstein IBAN (or QR-IBAN).

creditor.name

Party name

1

140

debtor.account.accountType

This field captures the debtor's account type

 3

4

DDA or IBAN

debtor.account.accountCurrency

ISO 4217 Alpha-3 Currency Code.

3

3

Currently only supports CHF.

creditor.postalAddress.type

Type of postal address

4

4

Values include:

• "ADDR": Postal Address is the complete postal address.
• "BIZZ": Business Address is the business address.
• "DLVY": DeliveryTo it 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.

creditor.postalAddress.addressLines

Unstructured address lines

1

70 (2 lines)

Only Structured or hybrid addresses accepted. If postal address is provided, then at least city and country code are required.

creditor.postalAddress.buildingNumber

Building number

1

16

Only Structured or hybrid addresses accepted. If postal address is provided, then at least city and country code are required.

creditor.postalAddress.streetName

Street name

1

70

Only Structured or hybrid addresses accepted. If postal address is provided, then at least city and country code are required.

creditor.postalAddress.countrySubDivision

Country Subdivision code

1

35

Only structured or hybrid addresses accepted. If postal address is provided, then at least city and country code are required.

additionalParties.ultimateDebtor.dateAndPlaceOfBirth.city

City of birth

1

35

Recommended for TP3 Flows

additionalParties.ultimateDebtor.dateAndPlaceOfBirth.country

Country

2

2

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

additionalParties.ultimateDebtor.dateAndPlaceOfBirth.birthDate

Birth date

10

10

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

additionalParties.ultimateDebtor.postalAddress.type

Type of postal address

4

4

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.

additionalParties.ultimateDebtor.postalAddress.addresslines

Unstructured address lines

1

70

Recommended for TP3 flows.

Only structured or hybrid addresses accepted. If postal address is provided, then at least city and country code are required.

additionalParties.ultimateDebtor.postalAddress.buildingNumber

Building number

1

16

Recommended for TP3 flows.

Only structured or hybrid addresses accepted. If postal address is provided, then at least city and country code are required.

additionalParties.ultimateDebtor.postalAddress.streetName

Street name

1

70

Recommended for TP3 flows.

Only structured or hybrid addresses accepted. If postal address is provided, then at least city and country code are required.

additionalParties.ultimateDebtor.postalAddress.countrySubDivision

Country sub division

1

35

• Recommended for TP3 flows.
• Only structured or hybrid addresses accepted. If postal address is provided, then at least city and country code are required.

remittanceInformation.unstructuredInformation.text

Unstructured information

1

140

This is to provide other payment details.

Maximum of 1 line.

Cannot be used together with structured reference. Must not be used in combination with a QR-IBAN in the “creditor account or IBAN” element.

remittanceInformation.structuredInformation[].additionalRemittanceInformation

Additional remittance information

1

140

paymentPurpose.categoryPurpose.code

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

1

4

Use SALA for a salary payment to mask creditor details in statements or reports.

creditorAgent.financialInstitutionIds[].id

The financial institution identifier.

8

11

Clients are encouraged not to populate in payload. CreditorAgent SIC-IID (or QR-IID) will be derived from the Creditor IBAN (or QR-IBAN).

creditorAgent.financialInstitutionIds[].idType

The type of financial institution identifier.

3

3

creditor.postalAddress.city

City

1

35

• Required if postal address is provided.
• Required if the creditor account is a QR-IBAN.

creditor.postaladdress.postalCode

Postal Code

1

16

Required if the creditor account is a QR-IBAN.

creditor.postalAddress.country

Country

2

2

• Required if postal address is provided.
• Required if the creditor account is a QR-IBAN.

Formally issued organization identifier

1

35

Mandatory for TP3 flows (either individual ID or organization ID). The ultimate debtor's physical or virtual IBAN or account number is strongly recommended. Otherwise, if the account is not available, a unique identifier must be specified; to be determined by the payment service provider that could allow traceability back to the ultimate debtor.

additionalParties.ultimateDebtor.organizationIds[].schemeName.proprietary

Specifies the type of scheme with a proprietary code.

2

3

If the transaction includes an ultimate debtor, populate one of the following fields:

• BIC
• LEI
• ID

Individual identifier details

1

35

Mandatory for TP3 flows (either individual ID or organization ID). The ultimate debtor's physical or virtual IBAN or account number is strongly recommended. Otherwise, in the account is not available, a unique identifier must be specified; to be determined by the payment service provider that could allow traceability back to the ultimate debtor.

Specifies the type of scheme with a proprietary code.

3

3

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

• BIC
• ID

additionalParties.ultimateDebtor.Name

Ultimate debtor name

1

140

Mandatory for TP3 Flows

additionalParties.ultimateDebtor.postalAddress.city

City

1

35

• Mandatory for TP3 flows.
• Required if address is provided. 
• Required if the creditor account is a QR-IBAN

additionalParties.ultimateDebtor.postaladdress.postalCode

Postal code

1

16

• Recommended for TP3 flows.
• Only structured or hybrid addresses accepted. If postal address is provided, then at least city and country code are required.
• Required if the creditor account is a QR-IBAN

additionalParties.ultimateDebtor.postalAddress.country

Country

2

2

• Mandatory for TP3 flows.
• Required if address is given 
• Required if the creditor account is a QR-IBAN.
• 2-character ISO country code.

remittanceInformation.structuredInformation[].creditReference.reference

Unique reference to unambiguously refer to the payment transaction.

27

27

• Must be used if a creditor QR-IBAN is provided. Must include 27 digit QR reference.
• Cannot be used together with unstructured reference.

Specifies the type of scheme with a proprietary code.

3

3

• Must be used if a creditor QR-IBAN is provided.
• Permitted value: QRR (QR reference in association with QR-bill)
• If used, then Code must not be present.
• Cannot be used together with unstructured reference.

requestedExecutionDate

Requested execution date.

10

10

Field is expected to match ISO date format (YYYY-MM-DD).
Must be either the current or future date.

paymentIdentifiers.endToEndId

End-to-end transaction identifier.

1

31

Must be unique for each transaction within the file. No special characters allowed.
This value is used for duplicate checking and the rightmost positions are assumed to be low order (and therefore unique).

value.currency

Payment currency.

3

3

GBP

value.amount

Payment amount.

1

18

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

transferType

Transfer type.

6

6

Must be CREDIT.

paymentType

Payment type.

3

3

Must be RTP.

debtor.account.accountNumber

Debtor account number.

8

8

Account numbers with less than 8 digits must be padded with leading zeros.

debtorAgent.financialInstitutionIds[].id

Debtor agent identifier.

8

11

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

• “CHASGB2L”
• “CHASGB2LXXX”

debtorAgent.financialInstitutionIds[].idType

Debtor agent identifier type.

3

3

BIC

creditor.account.accountNumber

Creditor account number.

8

8

Account numbers with less than 8 digits must be padded with leading zeros.

creditor.name

Creditor name.

1

40

creditorAgent.financialInstitutionIds[].id

Creditor agent identifier.

6

6

This is a 6-digit field that represents the sort code. Sort codes containing less than six digits must be padded with leading zeros (e.g., 1234 → 001234).

creditorAgent.financialInstitutionIds[].idType

Creditor agent identifier type.

9

18

• Required if previous field is populated
• “CLEARING_SYSTEM_ID” or “SORT_CODE” are supported.

debtor.account.accountType

Debtor account type

1

3

Currently only support DDA or VAM account

debtor.account.accountCurrency

Debtor account currency

3

3

Currently only supports “GBP”

creditor.postalAddress.type

Creditor address type

4

4

• 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.

creditor.postalAddress.addressLines[]

Creditor address lines

1

70

Maximum of 7 lines

creditor.postalAddress.buildingNumber

Creditor building number

1

16

creditor.postalAddress.streetName

Creditor street name

1

70

creditor.postalAddress.city

Creditor city.

1

35

creditor.postalAddress.postalCode

Creditor postal code

1

16

creditor.postalAddress.countrySubDivision

Creditor country subdivision.

1

35

creditor.postalAddress.country

Creditor country

2

2

2-character ISO country code

creditor.dateAndPlaceOfBirth.city

Creditor city of birth

1

35

creditor.dateAndPlaceOfBirth.countrySubDivision

Creditor birth country subdivision

1

35

creditor.dateAndPlaceOfBirth.country

Creditor country of birth

2

2

2-character ISO country code

creditor.dateAndPlaceOfBirth.birthDate

Creditor birth date

10

10

• Format is YYYY-MM-DD.
• If used then birthDate, cityOfBirth and countryOfBirth must be populated

creditor.countryOfResidence

Creditor country of residence

2

2

2-character ISO country code

creditor.partyId.organizationIds[].organizationId

Creditor organization identifier

1

35

Either individualID or organizationID, not both

creditor.partyId.organizationIds[].issuer

Creditor organization ID issuer

1

35

creditor.partyId.organizationIds[].schemeName.proprietary

Creditor organization ID scheme

1

3

creditor.partyId.individualIds[].individualId

Creditor individual identifier

1

35

Either individualID or organizationID, not both.

creditor.partyId.individualIds[].issuer

Creditor individual ID issuer

1

35

creditor.partyId.individualIds[].schemeName.proprietary

Creditor individual ID scheme

1

3

additionalParties.ultimateDebtor.partyId.organizationIds[].issuer

Ultimate debtor organization ID issuer

1

35

additionalParties.ultimateDebtor.partyId.organizationIds[].schemeName.proprietary

Ultimate debtor organization ID scheme

1

3

additionalParties.ultimateDebtor.partyId.individualIds[].issuer

Ultimate debtor individual ID issuer

1

35

additionalParties.ultimateDebtor.partyId.individualIds[].schemeName.proprietary

Ultimate debtor individual ID scheme

3

3

additionalParties.ultimateDebtor.dateAndPlaceOfBirth.city

Ultimate debtor city of birth

1

35

Applicable to TP3 Flows.

additionalParties.ultimateDebtor.dateAndPlaceOfBirth.country

Ultimate debtor country of birth

2

2

• Applicable to TP3 Flows.
• 2-character ISO country code.

additionalParties.ultimateDebtor.dateAndPlaceOfBirth.birthDate

Ultimate debtor birth date

10

10

• Applicable to TP3 Flows.
• Format is YYYY-MM-DD.
• If used then birthDate, cityOfBirth and countryOfBirth must be populated.

additionalParties.ultimateDebtor.postalAddress.type

Ultimate debtor 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.ultimateDebtor.postalAddress.buildingNumber

Ultimate debtor building number

1

16

Recommended for TP3 flows

additionalParties.ultimateDebtor.postalAddress.countrySubDivision

Ultimate debtor country subdivision

1

35

Recommended for TP3 flows

additionalParties.ultimateCreditor.partyId.organizationIds[].organizationId

Ultimate creditor organization identifier

1

35

Either individualID or organizationID, not both

additionalParties.ultimateCreditor.partyId.organizationIds[].issuer

Ultimate creditor org ID issuer

1

35

additionalParties.ultimateCreditor.partyId.organizationIds[].schemeName.proprietary

Ultimate creditor org ID scheme

1

3

additionalParties.ultimateCreditor.partyId.individualIds[].individualId

Ultimate creditor individual identifier

1

35

Either individualID or organizationID, not both

additionalParties.ultimateCreditor.partyId.individualIds[].issuer

Ultimate creditor individual ID issuer

1

35

additionalParties.ultimateCreditor.partyId.individualIds[].schemeName.proprietary

Ultimate creditor individual ID scheme

1

3

additionalParties.ultimateCreditor.name

Ultimate creditor name

1

40

additionalParties.ultimateCreditor.postalAddress.type

Ultimate creditor address type

4

4

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[]

Ultimate creditor address lines

1

70