Jp Morgan Wallet
EU SEPA: Send low-value funds
Overview
The Single Euro Payments Area (SEPA) is a European clearing system that standardizes and streamlines euro-denominated payments across participating countries, enabling fast, low-cost, and reliable transfers within the eurozone and associated countries.
There are 36 SEPA countries:
- 20 European Union (EU) member states with currency EUR
- Eight EU member states with currency other than EUR
- Eight non-EU countries
With J.P. Morgan Wallet™, you can execute PayOut and PayInto Collection transactions using SEPA to transfer funds between your Wallet DDA and a counterparty's external DDA.
For an overview of payment types in Wallet, see Payments.
Use cases
You can use the EU SEPA payment rail to transfer low-value funds in EUR between banks in the SEPA region. For example:
- Merchant services platform: Pay out a merchant's revenue to their EU bank account.
- Video game company: Pay out a player's in-game currency to their EU bank account.
- Marketplace platform: Pay out a seller's revenue to their EU bank account.
Key information
The following table describes important information about EU SEPA.
| Production endpoint | v3.x: Use if you need to send funds from Japan or handle BGN currency. |
v2.x: Use if you don't require v3. |
|---|---|---|
| Client testing endpoint | v3.x: https://apigatewaycat.jpmorgan.com/tsapi/v3/jpmwallet/payments/advanced-batch |
v2.x: https://apigatewaycat.jpmorgan.com/tsapi/v2/jpmwallet/payments/advanced-batch |
| API reference | v3.x: Initiate one or many PayOuts | v2.x: Initiate one or many PayOuts |
| Supported branches | J.P. Morgan Chase Bank, London and Luxembourg branches (see Reference - Supported branches and their Business Identifier Codes) | |
| Supported currencies | EUR | |
| Supported account types | All (Demand Deposit Account - DDA and Customer Money Account - CMA) | |
| Payment type | ||
| Payment flows |
|
|
| Transaction limit | No default limit | |
| Cut-off time | 2:00pm local time on business days | |
| Settlement period | Two business days | |
| Returns, recalls, and reversals | Supports returns initiated within eight weeks of the transaction settlement date. | |
| Service level code | Set serviceLevel.code to SEPA |
|
Prerequisites
Before you can execute transactions using the EU SEPA payment rail, you must configure your Wallet program for EU SEPA. For more information, ask your J.P. Morgan representative.
Reporting
EU SEPA transactions appear on your daily TRANSACTION ACTIVITY reports.
The following table is an example of what an EU SEPA transaction on a TRANSACTION ACTIVITY report might look like.
| CLIENT ID | 0001318690 |
|---|---|
| PROGRAM ID | 1000000032 |
| BUSINESS PROCESSING DATE | 3/2/2026 |
| BANK NAME | JPM Luxembourg |
| WALLET DDA NUMBER | XXXXXXXXXX |
| WALLET CURRENCY | EUR |
| RECEIVED DATE | 3/2/2026 |
| REQUESTED VALUE DATE | 3/2/2026 |
| VALUE DATE | 3/2/2026 |
| CLIENT TXN ID | SMOKE-020255316 |
| TXN TYPE | PAYOUT |
| DEBTOR ACCOUNT | XXXXXXXXXX |
| DEBTOR NAME | EWALLET ORIGINATOR |
| DEBTOR VIRTUAL ACCOUNT ID | LUX-EUR-VTA-05 |
| DEBTOR AGENT | J.P. MORGAN SE - LUXEMBOURG BRANCH |
| DEBTOR AGENT ID | CHASLULXXXX |
| DEBIT AMOUNT | 0.01 |
| DEBIT CURRENCY | EUR |
| CREDITOR ACCOUNT | XXXXXXXXXX |
| CREDITOR NAME | JPMC LUX BANK |
| CREDITOR AGENT | ING-DIBA AG (RETAIL BANKING) |
| CREDITOR AGENT ID | INGDDEFFXXX |
| CREDIT AMOUNT | 0.01 |
| CREDIT CURRENCY | EUR |
| STATUS | PENDING |
| SETTLEMENT METHOD | ACH |
| PRN | XXXXXXXXXX |
| REMITTANCE INFO | Remittance text |
| BATCH ID | SMOKE-020255316 |
| MATCHED REFERENCE ID | SMOKE-020255316 |
| DDA NARRATIVE | Remittance text |
Important parameters
The following sections list important parameters in the EU SEPA PayOut request along with their requirements.
Not all parameters are listed here—for a complete list, see the API reference.
Header parameters
Include the following parameters in the header.
| Parameter | Required / Optional | Description |
|---|---|---|
programId |
Required | Your Wallet program ID. |
transactionType |
Required | The type of transaction. Set to PAYOUT if you are transferring funds to an external DDA. |
Body parameters
Note the following important body parameters for EU SEPA transactions.
groupHeader
The groupHeader object contains information about the batch of transactions.
| Parameter | Required / Optional | Description |
|---|---|---|
controlSum |
Optional | Sum of the transaction amounts in the batch. |
creationDateTime |
Required | Date and time when the batch was created. Must be in local time with the time zone offset to UTC in the following format: YYYY-MM-DDThh:mm:ss±hh:mm |
initiatingParty.name |
Conditionally required | Name of the initiating party (you). Maximum 140 characters. At least one parameter in initiatingParty is required. |
messageIdentification |
Required | Unique ID of the batch of transactions. Maximum 35 characters. |
numberOfTransactions |
Required | Total number of transactions in the batch. Must be 1-500. |
The following code snippet is an example of the groupHeader object.
EU SEPA: groupHeader
Json
{
"groupHeader": {
"messageIdentification": "N77064053474",
"creationDateTime": "2023-08-15T11:29:36.000+00:00",
"numberOfTransactions": 1,
"controlSum": 5.00,
"initiatingParty": {
"name": "JPMC Client Name"
}
}
}paymentInformation
The paymentInformation object contains parameters related to the payment.
| Parameter | Required / Optional | Description |
|---|---|---|
controlSum |
Optional | Sum of the transaction amounts in the batch. |
numberOfTransactions |
Optional | Total number of transactions in the batch. Must be 1-500. |
paymentInformationIdentification |
Required | Unique ID of the payment. Maximum 35 characters. |
paymentMethod |
Required | Set to TRF. For more information about payment methods, see Payments - Payment methods. |
paymentTypeInformation.categoryPurpose.code |
Required | For salary payments, set to SALA. For pension payments, set to PENS. |
paymentTypeInformation.instructionPriority |
Optional | Priority of the request. Set to one of the following:
|
paymentTypeInformation.serviceLevel.code |
Conditionally required | For same-currency SEPA PayOuts, set to SEPA. For more information about service level codes, see Payments - Service level codes. |
requestedExecutionDate |
Required | Date when the transaction should be executed in YYYY-MM-DD format. Can be up to seven business days in the past (T-7) or 90 business days in the future (T+90). |
The following code snippet is an example of the paymentInformation object.
EU SEPA: paymentInformation
Json
{
"paymentInformation": {
"paymentInformationIdentification": "LU_EURtoEURN77064053474",
"numberOfTransactions": 1,
"controlSum": 5.00,
"paymentMethod": "TRF",
"paymentTypeInformation": {
"instructionPriority": "HIGH",
"serviceLevel": {
"code": "SEPA"
}
},
"requestedExecutionDate": "2023-08-15"
}
}paymentInformation.debtor
The paymentInformation.debtor object contains information about the individual or business that represents the debtor.
| Parameter | Required / Optional | Description |
|---|---|---|
name |
Required | Name of the debtor (you). Maximum 140 characters. |
postalAddress |
Required | Postal address of the debtor. Must be in the SEPA region. |
The following code snippet is an example of the paymentInformation.debtor object.
EU SEPA: paymentInformation.debtor
Json
{
"paymentInformation": {
"debtor": {
"name": "JPMC bank",
"postalAddress": {
"country": "LU"
}
}
}
}paymentInformation.debtorAccount
The paymentInformation.debtorAccount object contains information about the bank account of the debtor.
| Parameter | Required / Optional | Description |
|---|---|---|
currency |
Optional | Currency of the funds in the debtor account. Must be EUR. |
identification.other.identification |
Required | ID of the debited DDA. Maximum 35 characters. |
name |
Optional | Name of the debtor account. Maximum 140 characters. |
The following code snippet is an example of the paymentInformation.debtorAccount object.
EU SEPA: paymentInformation.debtorAccount
Json
{
"paymentInformation": {
"debtorAccount": {
"identification": {
"other": {
"identification": "XXXXXXXXXX"
}
},
"currency": "EUR",
"name": "JPMC Client Name"
}
}
}paymentInformation.debtorAgent
The paymentInformation.debtorAgent object contains information about the bank where the debtor account is located.
| Parameter | Required / Optional | Description |
|---|---|---|
financialInstitutionIdentification.bic |
Conditionally required | SWIFT BIC of the bank branch where the debited account is located. If your Wallet DDA is the debtor account, this parameter must be the BIC of the J.P. Morgan Chase London or Luxembourg branch (see Reference - Supported branches and their BICs). Either this parameter or the financialInstitutionIdentification.clearingSystemMemberIdentification object is required. Maximum 11 characters. |
financialInstitutionIdentification.postalAddress |
Required | Postal address of the debtor bank. Must be in the SEPA region. |
The following code snippet is an example of the paymentInformation.debtorAgent object.
EU SEPA: paymentInformation.debtorAgent
Json
{
"paymentInformation": {
"debtorAgent": {
"financialInstitutionIdentification": {
"bic": "CHASLULXXXX",
"postalAddress": {
"country": "LU"
}
}
}
}
}paymentInformation.creditTransferTransactionInformation
The paymentInformation.creditTransferTransactionInformation object contains information about the transaction such as the creditor, the ultimate debtor, and the ultimate creditor.
| Parameter | Required / Optional | Description |
|---|---|---|
amount.instructedAmount.amount |
Required | Amount of funds to be transferred from the debtor to the creditor, in the currency of the debtor account. Maximum 18 digits with six decimal places. Required if amount.instructedAmount is present. |
amount.instructedAmount.currency |
Required | Must be EUR. |
creditor.name |
Optional | Name of the creditor. Maximum 140 characters. |
creditor.postalAddress |
Optional | Postal address of the creditor. Must be in the SEPA region. |
creditorAccount.identification.IBAN |
Conditionally required | International Bank Account Number (IBAN) of the creditor account. Either this parameter or creditorAccount.identification.other.identification is required. Maximum 34 characters. |
creditorAgent.financialInstitutionIdentification.bic |
Conditionally required | SWIFT BIC of the bank branch where the creditor account is located. If your Wallet DDA is the creditor account, this parameter must be either the J.P. Morgan Chase London or Luxembourg branch (see Reference - Supported branches and their BICs). Either this parameter or the creditorAgent.financialInstitutionIdentification.clearingSystemMemberIdentification object is required. Maximum 11 characters. |
creditorAgent.financialInstitutionIdentification.postalAddress |
Optional | Postal address of the creditor bank. Must be in the SEPA region. |
paymentIdentification.endToEndIdentification |
Required | Unique ID for tracing requests and responses for this transaction. Maximum 16 characters. |
paymentIdentification.instructionIdentification |
Optional | Unique ID of the request. Maximum 35 characters. |
remittanceInformation.unstructured |
Optional | Array of strings of remittance information. Each string must be a maximum of 140 characters. |
The following code snippet is an example of the paymentInformation.creditTransferTransactionInformation object.
EU SEPA: paymentInformation.creditTransferTransactionInformation
Json
{
"paymentInformation": {
"creditTransferTransactionInformation": [
{
"paymentIdentification": {
"instructionIdentification": "N77064053474",
"endToEndIdentification": "N77064053474"
},
"amount": {
"instructedAmount": {
"amount": 5.00,
"currency": "EUR"
}
},
"remittanceInformation": {
"unstructured": [
"Remittance text 1234567891234567890",
"TEST2 line text 1234567890987654321",
"TEST3 line text 1234567891029384756"
]
},
"creditorAgent": {
"financialInstitutionIdentification": {
"bic": "INGBNL2AXXX",
"postalAddress": {
"country": "LU"
}
}
},
"creditor": {
"name": "Creditor Name",
"postalAddress": {
"country": "LU"
}
},
"creditorAccount": {
"identification": {
"iban": "XXXXXXXXXX"
}
}
}
]
}
}Examples
Request with minimum required data (non-TP3)
The following example shows the minimum data required to execute a PayOut transaction using the EU SEPA payment rail.
EU SEPA: Request with minimum required data
Json
{
"groupHeader": {
"messageIdentification": "N77064053474",
"creationDateTime": "2023-08-15T11:29:36.000+00:00",
"numberOfTransactions": 1,
"initiatingParty": {
"name": "JPMC Client Name"
}
},
"paymentInformation": {
"paymentInformationIdentification": "LU_EURtoEURN77064053474",
"paymentMethod": "TRF",
"paymentTypeInformation": {
"serviceLevel": {
"code": "SEPA"
}
},
"requestedExecutionDate": "2023-08-15",
"debtor": {
"name": "JPMC bank",
"postalAddress": {
"country": "LU"
}
},
"debtorAccount": {
"identification": {
"other": {
"identification": "XXXXXXXXXX"
}
}
},
"debtorAgent": {
"financialInstitutionIdentification": {
"bic": "CHASLULXXXX",
"postalAddress": {
"country": "LU"
}
}
},
"creditTransferTransactionInformation": [
{
"paymentIdentification": {
"endToEndIdentification": "N77064053474"
},
"amount": {
"instructedAmount": {
"amount": 5.00,
"currency": "EUR"
}
},
"creditorAgent": {
"financialInstitutionIdentification": {
"bic": "INGBNL2AXXX"
}
},
"creditorAccount": {
"identification": {
"iban": "XXXXXXXXXX"
}
}
}
]
}
}Request with optional data
The following example shows the request body of a PayOut transaction using the EU SEPA payment rail with optional parameters.
Example request body: EU SEPA PayOut
Json
{
"groupHeader": {
"messageIdentification": "N77064053474",
"creationDateTime": "2023-08-15T11:29:36.000+00:00",
"numberOfTransactions": 1,
"controlSum": 5.00,
"initiatingParty": {
"name": "JPMC Client Name"
}
},
"paymentInformation": {
"paymentInformationIdentification": "LU_EURtoEURN77064053474",
"numberOfTransactions": 1,
"controlSum": 5.00,
"paymentMethod": "TRF",
"paymentTypeInformation": {
"instructionPriority": "HIGH",
"serviceLevel": {
"code": "SEPA"
}
},
"requestedExecutionDate": "2023-08-15",
"debtor": {
"name": "JPMC bank",
"postalAddress": {
"country": "LU"
}
},
"debtorAccount": {
"identification": {
"other": {
"identification": "XXXXXXXXXX"
}
},
"currency": "EUR",
"name": "JPMC Client Name"
},
"debtorAgent": {
"financialInstitutionIdentification": {
"bic": "CHASLULXXXX",
"postalAddress": {
"country": "LU"
}
}
},
"creditTransferTransactionInformation": [
{
"paymentIdentification": {
"instructionIdentification": "N77064053474",
"endToEndIdentification": "N77064053474"
},
"amount": {
"instructedAmount": {
"amount": 5.00,
"currency": "EUR"
}
},
"remittanceInformation": {
"unstructured": [
"Remittance text 1234567891234567890",
"TEST2 line text 1234567890987654321",
"TEST3 line text 1234567891029384756"
]
},
"ultimateDebtor": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "LUX-EUR-VTA-03",
"schemeName": {
"proprietary": "virtualAccountIdentification"
}
}
]
}
}
},
"creditorAgent": {
"financialInstitutionIdentification": {
"bic": "INGBNL2AXXX",
"postalAddress": {
"country": "LU"
}
}
},
"creditor": {
"name": "Creditor Name",
"postalAddress": {
"country": "LU"
}
},
"creditorAccount": {
"identification": {
"iban": "XXXXXXXXXX"
}
}
}
]
}
}Response
The following is the synchronous response to the previous example request.
Example response: EU SEPA PayOut
Json
{
"groupHeader": {
"messageIdentification": "2380645c-27c7-4182-8d24-bd569dce24c8",
"creationDateTime": "2023-08-16T09:45:45.743+0000",
"initiatingParty": {
"name": "JPMC Client Name"
}
},
"originalGroupInformationAndStatus": {
"originalMessageIdentification": "N77064053474",
"originalMessageNameIdentification": "API-PAYOUT",
"originalCreationDateTime": "2023-08-15T11:29:36.000+00:00",
"originalNumberOfTransactions": 1,
"originalControlSum": 1,
"groupStatus": "ACTC",
"statusReasonInformation": [],
"numberOfTransactionsPerStatus": [
{
"detailedNumberOfTransactions": "1",
"detailedStatus": "ACTC",
"detailedControlSum": 1
}
]
},
"originalPaymentInformationAndStatus": {
"originalPaymentInformationIdentification": "LU_EURtoEURN77064053474",
"paymentInformationStatus": "ACTC",
"statusReasonInformation": [],
"numberOfTransactionsPerStatus": [
{
"detailedNumberOfTransactions": "1",
"detailedStatus": "ACTC",
"detailedControlSum": 1
}
],
"transactionInformationAndStatus": [
{
"originalInstructionIdentification": "N77064053474",
"originalEndToEndIdentification": "N77064053474",
"transactionStatus": "ACTC",
"statusReasonInformation": [],
"acceptanceDateTime": "2023-08-15T11:29:47.148+0000",
"accountServicerReference": "4a25c522-ed07-45d4-8975-b4627d7e6004",
"originalTransactionReference": {
"amount": {
"instructedAmount": {
"amount": 1,
"currency": "EUR"
}
},
"requestedExecutionDate": "2023-07-11",
"paymentMethod": "TRF",
"ultimateDebtor": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "VTA-1000000032-5999999999989",
"schemeName": {
"proprietary": "virtualAccountIdentification"
}
}
]
}
}
},
"debtorAccount": {
"identification": {
"other": {
"identification": "XXXXXXXXXX"
}
},
"currency": "EUR",
"name": "JPMC Client Name"
},
"debtorAgent": {
"financialInstitutionIdentification": {
"bic": "CHASLULXXXX",
"postalAddress": {
"country": "LU"
}
}
},
"creditorAgent": {
"financialInstitutionIdentification": {
"bic": "CHASLULXXXX",
"postalAddress": {
"country": "LU"
}
}
},
"creditorAccount": {
"identification": {
"iban": "XXXXXXXXXX"
}
}
}
}
]
}
}Notification
The following is the asynchronous notification that Wallet sends after completing the previous example request.
Example notification: EU SEPA PayOut
Json
{
"groupHeader": {
"messageIdentification": "2380645c-27c7-4182-8d24-bd569dce24c8",
"creationDateTime": "2023-08-16T09:45:45.743+0000",
"initiatingParty": {
"name": "JPMC Client Name"
}
},
"originalGroupInformationAndStatus": {
"originalMessageIdentification": "N77064053474",
"originalMessageNameIdentification": "API-PAYOUT",
"originalNumberOfTransactions": 1
},
"originalPaymentInformationAndStatus": {
"originalPaymentInformationIdentification": "LU_EURtoEURN77064053474",
"transactionInformationAndStatus": [
{
"originalInstructionIdentification": "N77064053474",
"originalEndToEndIdentification": "N77064053474",
"transactionStatus": "ACSC",
"statusReasonInformation": [
{
"additionalInformation": [
"/eventType/PaymentComplete"
]
}
],
"acceptanceDateTime": "2023-08-15T11:29:47.148+0000",
"accountServicerReference": "4EH2V197",
"originalTransactionReference": {
"amount": {
"instructedAmount": {
"amount": 5,
"currency": "EUR"
}
},
"requestedExecutionDate": "2023-08-15",
"paymentMethod": "TRF",
"remittanceInformation": [
{
"remittanceInformationText": "Remittance text 1234567891234567890",
"remittanceSequenceNumber": "1"
},
{
"remittanceInformationText": "TEST2 line text 1234567890987654321",
"remittanceSequenceNumber": "2"
},
{
"remittanceInformationText": "TEST3 line text 1234567891029384756",
"remittanceSequenceNumber": "3"
}
],
"ultimateDebtor": {
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "LUX-EUR-VTA-03",
"schemeName": {
"proprietary": "virtualAccountIdentification"
}
}
]
}
}
},
"debtorAccount": {
"identification": {
"other": {
"identification": "XXXXXXXXXX"
}
},
"currency": "EUR"
},
"debtorAgent": {
"financialInstitutionIdentification": {
"bic": "CHASLULXXXX",
"postalAddress": {
"country": "LU"
}
}
},
"creditorAgent": {
"financialInstitutionIdentification": {
"bic": "INGBNL2AXXX",
"postalAddress": {
"country": "LU"
}
}
},
"creditorAccount": {
"identification": {
"other": {
"identification": "XXXXXXXXXX"
}
},
"currency": "EUR"
},
"receiver": {
"name": "Creditor Name",
"postalAddress": {
"country": "LU"
}
}
}
}
]
}
}FX PayOuts
A SEPA Foreign Exchange (FX) PayOut enables you to send EUR from a DDA in the EU to a recipient outside the EU, converting the funds to a currency supported in their country.
For SEPA FX transactions, you must set serviceLevel.proprietary to SEPAFX.
For more information about SEPA FX PayOuts, see ACH FX: Send low-value funds in a different currency.
The following example request initiates a SEPA FX transaction, converting funds from EUR to AUD.
Example request: EU SEPA FX PayOut
Json
{
"groupHeader": {
"messageIdentification": "X20240614010327",
"creationDateTime": "2024-06-14T13:03:27-04:00",
"numberOfTransactions": 1,
"controlSum": 0.05,
"initiatingParty": {
"name": "JPMC Client Name"
}
},
"paymentInformation": {
"paymentInformationIdentification": "X20240614010327",
"numberOfTransactions": 1,
"controlSum": 0.05,
"paymentMethod": "TRF",
"paymentTypeInformation": {
"instructionPriority": "HIGH",
"serviceLevel": {
"proprietary": "SEPAFX"
}
},
"requestedExecutionDate": "2024-06-14",
"debtor": {
"name": "JPMC bank",
"postalAddress": {
"country": "LU"
}
},
"debtorAccount": {
"name": "JPMC Client Name",
"identification": {
"other": {
"identification": "XXXXXXXXXX"
}
},
"currency": "EUR"
},
"debtorAgent": {
"financialInstitutionIdentification": {
"bic": "CHASLULXXXX",
"postalAddress": {
"country": "LU"
}
}
},
"creditTransferTransactionInformation": [
{
"paymentIdentification": {
"instructionIdentification": "X20240614010327",
"endToEndIdentification": "X20240614010327"
},
"amount": {
"equivalentAmount": {
"amount": 0.05,
"currency": "EUR",
"currencyOfTransfer": "AUD"
}
},
"exchangeRateInformation": {
"contractIdentification": "RF946D8E7FD7F430927C5DA02BFA26"
},
"ultimateDebtor": {
"name": "JPMC bank",
"identification": {
"organisationIdentification": {
"other": [
{
"identification": "VAID00002",
"schemeName": {
"proprietary": "virtualAccountIdentification"
}
}
]
}
}
},
"creditorAgent": {
"financialInstitutionIdentification": {
"bic": "CHASAU2XXXX",
"clearingSystemMemberIdentification": {
"clearingSystemIdentification": {
"proprietary": "AUD ROUTING"
},
"memberIdentification": "212-200"
},
"name": "Europe Agent",
"postalAddress": {
"addressType": "ADDR",
"streetName": "BriarwoodCt",
"buildingNumber": "111",
"postCode": "19460",
"townName": "Phoenixville",
"country": "AU",
"addressLine": [
"4901 Memorial Pkwy"
]
}
}
},
"creditor": {
"name": "JPMC bank",
"postalAddress": {
"addressType": "ADDR",
"streetName": "BriarwoodCt",
"buildingNumber": "111",
"postCode": "19460",
"townName": "Phoenixville",
"country": "AU",
"addressLine": [
"4901 Memorial Pkwy"
]
}
},
"creditorAccount": {
"identification": {
"other": {
"identification": "XXXXXXXXXX"
}
},
"currency": "AUD"
},
"purpose": {
"code": "SALA"
},
"remittanceInformation": {
"unstructured": [
"TRANSFER CREDIT B/O: PUBLIC BANK BERHAD"
]
}
}
]
}
}TP3 PayOuts
This section explains the requirements for Third Party Payment Processor (TP3) transactions using the SEPA payment rail. For more information about TP3 transactions, see Pay on behalf of a third party.
Flows
Wallet supports the following flows for TP3 SEPA transactions:
- London / EUR to EUR
- Luxembourg / EUR to EUR
Requirements
In addition to the requirements described in Payments, the following fields in the paymentInformation.creditTransferTransactionInformation object have specific requirements for TP3 SEPA transactions.
| Field | Required / Optional | Requirements |
|---|---|---|
remittanceInformation.unstructured |
Optional | Four lines of 35 characters each, 140 characters total. ultimateDebtor.postalAddress is pulled into this field, so we recommend a maximum of 70 characters so there is enough room. |
ultimateDebtor.name |
Required | Maximum 70 characters. |
ultimateDebtor.postalAddress |
Required | This object is pulled into remittanceInformation.unstructured, which has a maximum of 140 characters, so we recommend a maximum of 64 characters total for the combined fields in postalAddress. |
ultimateDebtor.postalAddress.addressLine |
Optional | Maximum 70 characters. |
ultimateDebtor.postalAddress.buildingNumber |
Optional | Maximum 16 characters. |
ultimateDebtor.postalAddress.country |
Required | Two-character ISO 3166 country code. |
ultimateDebtor.postalAddress.countrySubDivision |
Optional | Maximum 35 characters. |
ultimateDebtor.postalAddress.postCode |
Required | Maximum 16 characters. |
ultimateDebtor.postalAddress.streetName |
Required | Maximum 70 characters. |
ultimateDebtor.postalAddress.townName |
Required | Maximum 35 characters. |
Example
The following is an example of the ultimateDebtor object in a TP3 SEPA request.
Example: TP3 EU SEPA domestic
Json
"ultimateDebtor": {
"name": "JPMC in London 1234 JPMC in London 1234 JPMC in London 1234 JPMC 70ch",
"postalAddress": {
"streetName": "456 Street Name",
"postCode": "12345",
"townName": "Paris",
"country": "FR"
},
...