CreditTransferTransaction
ISO20022: Payment processes required to transfer cash from the debtor to the creditor. API:
Fields (12)
- paymentIdPaymentIdentificationrequired
ISO20022: Set of elements used to reference a payment instruction.
Schema: PaymentIdentification
ISO20022: Set of elements used to reference a payment instruction.
- resourceIdResourceId
API: Identifier assigned by the ASPSP for further use of the created resource through API calls.
Schema: ResourceId
API: Identifier assigned by the ASPSP for further use of the created resource through API calls. The API client cannot set or modify the value of this field. Since this value can be exchanged between the server and the client as an URL element or for support information, it must not contain sensitive value such as personal or business data.
Type: string
Constraints: pattern: `^([a-zA-Z0-9 /\-?:\()\.,']{1,35})$`
- instructionIdstringrequired
ISO20022: Unique identification as assigned by an instructing party for an instructed party to unambiguously identify the instruction.
ISO20022: Unique identification as assigned by an instructing party for an instructed party to unambiguously identify the instruction.
API: Unique identification shared between the PISP and the ASPSP
Constraints: pattern: `^([a-zA-Z0-9 /\-?:\()\.,']{1,35})$`
- endToEndIdstring
ISO20022: Unique identification assigned by the initiating party to unambiguously identify the transaction. This identification is passed on, unchanged, throughout the entire end-to-end chain.
ISO20022: Unique identification assigned by the initiating party to unambiguously identify the transaction. This identification is passed on, unchanged, throughout the entire end-to-end chain.
Constraints: pattern: `^([a-zA-Z0-9 /\-?:\()\.,']{1,35})$`
- requestedExecutionDateRequestedExecutionDate
ISO20022: Date at which the initiating party requests the clearing agent to process the payment.
Schema: RequestedExecutionDate
ISO20022: Date at which the initiating party requests the clearing agent to process the payment. API:
This field indicates the date at which the debtor account should be debited. In most of the cases, especially for international payments, the date of the credit on the credit account cannot be set. Only SCTInst can guarantee having the same date for this credit. This date can be used in the following cases:- the single requested execution date for a payment having several instructions. In this case, this field must be set at the payment level.
- the requested execution date for a given instruction within a payment. In this case, this field must be set at each instruction level.
- The first date of execution for a standing order. When the payment cannot be processed at this date, the ASPSP is allowed to shift the applied execution date to the next possible execution date for non-standing orders. For standing orders, the [executionRule] parameter helps to compute the execution date to be applied.
Type: string (date-time)
- endDateEndDate
The last applicable day of execution for a given standing order.
Schema: EndDate
The last applicable day of execution for a given standing order. If not given, the standing order is considered as endless.
Type: string (date-time)
- executionRuleExecutionRule
Execution date shifting rule for standing orders
Schema: ExecutionRule
Code FWNGPREC - frequencyFrequencyCode
Frequency rule for standing orders.
Schema: FrequencyCode
Code DAILWEEKTOWKMNTHTOMNQUTRSEMIYEAR - instructedAmountAmountTyperequired
Structure aiming to embed the amount and the currency to be used.
Schema: AmountType
Structure aiming to embed the amount and the currency to be used.
Specifies the currency of the amount or of the account.
Schema: CurrencyCode
Specifies the currency of the amount or of the account. A code allocated to a currency by a Maintenance Agency under an international identification scheme, as described in the latest edition of the international standard ISO 4217 "Codes for the representation of currencies and funds".
Type: string
Constraints: pattern: `^[A-Z]{3,3}$`
- amountstringrequired
ISO20022: Amount of money to be moved between the debtor and creditor, before deduction of charges, expressed in the currency as ordered by the initiating party.
ISO20022: Amount of money to be moved between the debtor and creditor, before deduction of charges, expressed in the currency as ordered by the initiating party.
Constraints: pattern: `^\-{0,1}[0-9]{1,13}(\.[0-9]{0,5}){0,1}$`
- beneficiaryBeneficiary
Specification of a beneficiary
Schema: Beneficiary
Specification of a beneficiary
- idstring
Id of the beneficiary
Constraints: pattern: `^([a-zA-Z0-9 /\-?:\()\.,']{1,35})$`
- isTrustedboolean
The ASPSP having not implemented the trusted beneficiaries list must not set this flag.
The ASPSP having not implemented the trusted beneficiaries list must not set this flag. Otherwise, the ASPSP indicates whether or not the beneficiary has been registered by the PSU within the trusted beneficiaries list.
- true: the beneficiary is actually a trusted beneficiary
- false: the beneficiary is not a trusted beneficiary
- creditorAgentFinancialInstitutionIdentification
ISO20022: Unique and unambiguous identification of a financial institution, as assigned under an internationally recognised or proprietary identification scheme.
Schema: FinancialInstitutionIdentification
ISO20022: Unique and unambiguous identification of a financial institution, as assigned under an internationally recognised or proprietary identification scheme.
- bicFistringrequired
ISO20022: Code allocated to a financial institution by the ISO 9362 Registration Authority as described in ISO 9362 "Banking - Banking telecommunication messages - Business identification code (BIC)".
ISO20022: Code allocated to a financial institution by the ISO 9362 Registration Authority as described in ISO 9362 "Banking - Banking telecommunication messages - Business identification code (BIC)".
Constraints: pattern: `^[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3}){0,1}$`
- clearingSystemMemberIdClearingSystemMemberIdentification
ISO20022: Information used to identify a member within a clearing system.
Schema: ClearingSystemMemberIdentification
ISO20022: Information used to identify a member within a clearing system. API: to be used for some specific international credit transfers in order to identify the beneficiary bank
- clearingSystemIdstring
ISO20022: Specification of a pre-agreed offering between clearing agents or the channel through which the payment instruction is processed.
ISO20022: Specification of a pre-agreed offering between clearing agents or the channel through which the payment instruction is processed.
Constraints: maxLength: 35
- memberIdstring
ISO20022: Identification of a member of a clearing system.
ISO20022: Identification of a member of a clearing system.
Constraints: maxLength: 35
- namestring
Name of the financial institution
Constraints: maxLength: 140
- postalAddressPostalAddress
ISO20022 : Information that locates and identifies a specific address, as defined by postal services.
Schema: PostalAddress
ISO20022 : Information that locates and identifies a specific address, as defined by postal services.
- countrystringrequired
ISO20022: Country in which a person resides (the place of a person's home). In the case of a company, it is the country from which the affairs of that company are directed.
ISO20022: Country in which a person resides (the place of a person's home). In the case of a company, it is the country from which the affairs of that company are directed.
Constraints: pattern: `^([A-Z]{2,2})$`
- addressLinearray<string>required
Unstructured address.
Unstructured address. For SEPA payments, only two address lines are allowed.
Type: array<string>
Item: Address line
Item constraints: maxLength: 70
- creditorPartyIdentificationrequired
API : Description of a Party which can be either a person or an organization.
Schema: PartyIdentification
API : Description of a Party which can be either a person or an organization.
- namestringrequired
ISO20022: Name by which a party is known and which is usually used to identify that party.
ISO20022: Name by which a party is known and which is usually used to identify that party.
Constraints: maxLength: 140
- postalAddressPostalAddress
ISO20022 : Information that locates and identifies a specific address, as defined by postal services.
Schema: PostalAddress
ISO20022 : Information that locates and identifies a specific address, as defined by postal services.
- countrystringrequired
ISO20022: Country in which a person resides (the place of a person's home). In the case of a company, it is the country from which the affairs of that company are directed.
ISO20022: Country in which a person resides (the place of a person's home). In the case of a company, it is the country from which the affairs of that company are directed.
Constraints: pattern: `^([A-Z]{2,2})$`
- addressLinearray<string>required
Unstructured address.
Unstructured address. For SEPA payments, only two address lines are allowed.
Type: array<string>
Item: Address line
Item constraints: maxLength: 70
- organisationIdGenericIdentification
Unique and unambiguous way to identify an organisation.
Schema: GenericIdentification
ISO20022: Unique identification of an account, a person or an organisation, as assigned by an issuer. API: The ASPSP will document which account reference type it will support.
- identificationstringrequired
API: Identifier
API: Identifier
Constraints: maxLength: 70
- schemeNamestringrequired
Name of the identification scheme.
Name of the identification scheme. Possible values for the scheme name, partially based on ISO20022 external code list, are the following:
- BANK (BankPartyIdentification): Unique and unambiguous assignment made by a specific bank or similar financial institution to identify a relationship as defined between the bank and its client.
- COID (CountryIdentificationCode) : Country authority given organisation identification (e.g., corporate registration number)
- SREN (SIREN): The SIREN number is a 9 digit code assigned by INSEE, the French National Institute for Statistics and Economic Studies, to identify an organisation in France.
- SRET (SIRET): The SIRET number is a 14 digit code assigned by INSEE, the French National Institute for Statistics and Economic Studies, to identify an organisation unit in France. It consists of the SIREN number, followed by a five digit classification number, to identify the local geographical unit of that entity.
- NIDN (NationalIdentityNumber): Number assigned by an authority to identify the national identity number of a person. Other values are also permitted, for instance:
- OAUT (OAUTH2): OAUTH2 access token that is owned by the PISP being also an AISP and that can be used in order to identify the PSU
- CPAN (CardPan): Card PAN Each implementation of the STET PSD2 API must specify in its own documentation which schemes can actually been used
Constraints: maxLength: 70
- issuerstring
ISO20022: Entity that assigns the identification. this could a country code or any organisation name or identifier that can be recognized by both parties
ISO20022: Entity that assigns the identification. this could a country code or any organisation name or identifier that can be recognized by both parties
Constraints: maxLength: 35
- privateIdGenericIdentification
Unique and unambiguous identification of a person.
Schema: GenericIdentification
ISO20022: Unique identification of an account, a person or an organisation, as assigned by an issuer. API: The ASPSP will document which account reference type it will support.
- identificationstringrequired
API: Identifier
API: Identifier
Constraints: maxLength: 70
- schemeNamestringrequired
Name of the identification scheme.
Name of the identification scheme. Possible values for the scheme name, partially based on ISO20022 external code list, are the following:
- BANK (BankPartyIdentification): Unique and unambiguous assignment made by a specific bank or similar financial institution to identify a relationship as defined between the bank and its client.
- COID (CountryIdentificationCode) : Country authority given organisation identification (e.g., corporate registration number)
- SREN (SIREN): The SIREN number is a 9 digit code assigned by INSEE, the French National Institute for Statistics and Economic Studies, to identify an organisation in France.
- SRET (SIRET): The SIRET number is a 14 digit code assigned by INSEE, the French National Institute for Statistics and Economic Studies, to identify an organisation unit in France. It consists of the SIREN number, followed by a five digit classification number, to identify the local geographical unit of that entity.
- NIDN (NationalIdentityNumber): Number assigned by an authority to identify the national identity number of a person. Other values are also permitted, for instance:
- OAUT (OAUTH2): OAUTH2 access token that is owned by the PISP being also an AISP and that can be used in order to identify the PSU
- CPAN (CardPan): Card PAN Each implementation of the STET PSD2 API must specify in its own documentation which schemes can actually been used
Constraints: maxLength: 70
- issuerstring
ISO20022: Entity that assigns the identification. this could a country code or any organisation name or identifier that can be recognized by both parties
ISO20022: Entity that assigns the identification. this could a country code or any organisation name or identifier that can be recognized by both parties
Constraints: maxLength: 35
- creditorAccountAccountIdentification
Unique and unambiguous identification for the account between the account owner and the account servicer.
Schema: AccountIdentification
Unique and unambiguous identification for the account between the account owner and the account servicer.
- ibanstring
ISO20022: International Bank Account Number (IBAN) - identification used internationally by financial institutions to uniquely identify the account of a customer.
ISO20022: International Bank Account Number (IBAN) - identification used internationally by financial institutions to uniquely identify the account of a customer.
Further specifications of the format and content of the IBAN can be found in the standard ISO 13616 "Banking and related financial services - International Bank Account Number (IBAN)" version 1997-10-01, or later revisions.
Constraints: pattern: `^[A-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,30}$`
- otherGenericIdentification
ISO20022: Unique identification of an account, a person or an organisation, as assigned by an issuer.
Schema: GenericIdentification
ISO20022: Unique identification of an account, a person or an organisation, as assigned by an issuer. API: The ASPSP will document which account reference type it will support.
- identificationstringrequired
API: Identifier
API: Identifier
Constraints: maxLength: 70
- schemeNamestringrequired
Name of the identification scheme.
Name of the identification scheme. Possible values for the scheme name, partially based on ISO20022 external code list, are the following:
- BANK (BankPartyIdentification): Unique and unambiguous assignment made by a specific bank or similar financial institution to identify a relationship as defined between the bank and its client.
- COID (CountryIdentificationCode) : Country authority given organisation identification (e.g., corporate registration number)
- SREN (SIREN): The SIREN number is a 9 digit code assigned by INSEE, the French National Institute for Statistics and Economic Studies, to identify an organisation in France.
- SRET (SIRET): The SIRET number is a 14 digit code assigned by INSEE, the French National Institute for Statistics and Economic Studies, to identify an organisation unit in France. It consists of the SIREN number, followed by a five digit classification number, to identify the local geographical unit of that entity.
- NIDN (NationalIdentityNumber): Number assigned by an authority to identify the national identity number of a person. Other values are also permitted, for instance:
- OAUT (OAUTH2): OAUTH2 access token that is owned by the PISP being also an AISP and that can be used in order to identify the PSU
- CPAN (CardPan): Card PAN Each implementation of the STET PSD2 API must specify in its own documentation which schemes can actually been used
Constraints: maxLength: 70
- issuerstring
ISO20022: Entity that assigns the identification. this could a country code or any organisation name or identifier that can be recognized by both parties
ISO20022: Entity that assigns the identification. this could a country code or any organisation name or identifier that can be recognized by both parties
Constraints: maxLength: 35
Currency used for the account
Schema: CurrencyCode
Specifies the currency of the amount or of the account. A code allocated to a currency by a Maintenance Agency under an international identification scheme, as described in the latest edition of the international standard ISO 4217 "Codes for the representation of currencies and funds".
Type: string
Constraints: pattern: `^[A-Z]{3,3}$`
- ultimateCreditorPartyIdentification
API : Description of a Party which can be either a person or an organization.
Schema: PartyIdentification
API : Description of a Party which can be either a person or an organization.
- namestringrequired
ISO20022: Name by which a party is known and which is usually used to identify that party.
ISO20022: Name by which a party is known and which is usually used to identify that party.
Constraints: maxLength: 140
- postalAddressPostalAddress
ISO20022 : Information that locates and identifies a specific address, as defined by postal services.
Schema: PostalAddress
ISO20022 : Information that locates and identifies a specific address, as defined by postal services.
- countrystringrequired
ISO20022: Country in which a person resides (the place of a person's home). In the case of a company, it is the country from which the affairs of that company are directed.
ISO20022: Country in which a person resides (the place of a person's home). In the case of a company, it is the country from which the affairs of that company are directed.
Constraints: pattern: `^([A-Z]{2,2})$`
- addressLinearray<string>required
Unstructured address.
Unstructured address. For SEPA payments, only two address lines are allowed.
Type: array<string>
Item: Address line
Item constraints: maxLength: 70
- organisationIdGenericIdentification
Unique and unambiguous way to identify an organisation.
Schema: GenericIdentification
ISO20022: Unique identification of an account, a person or an organisation, as assigned by an issuer. API: The ASPSP will document which account reference type it will support.
- identificationstringrequired
API: Identifier
API: Identifier
Constraints: maxLength: 70
- schemeNamestringrequired
Name of the identification scheme.
Name of the identification scheme. Possible values for the scheme name, partially based on ISO20022 external code list, are the following:
- BANK (BankPartyIdentification): Unique and unambiguous assignment made by a specific bank or similar financial institution to identify a relationship as defined between the bank and its client.
- COID (CountryIdentificationCode) : Country authority given organisation identification (e.g., corporate registration number)
- SREN (SIREN): The SIREN number is a 9 digit code assigned by INSEE, the French National Institute for Statistics and Economic Studies, to identify an organisation in France.
- SRET (SIRET): The SIRET number is a 14 digit code assigned by INSEE, the French National Institute for Statistics and Economic Studies, to identify an organisation unit in France. It consists of the SIREN number, followed by a five digit classification number, to identify the local geographical unit of that entity.
- NIDN (NationalIdentityNumber): Number assigned by an authority to identify the national identity number of a person. Other values are also permitted, for instance:
- OAUT (OAUTH2): OAUTH2 access token that is owned by the PISP being also an AISP and that can be used in order to identify the PSU
- CPAN (CardPan): Card PAN Each implementation of the STET PSD2 API must specify in its own documentation which schemes can actually been used
Constraints: maxLength: 70
- issuerstring
ISO20022: Entity that assigns the identification. this could a country code or any organisation name or identifier that can be recognized by both parties
ISO20022: Entity that assigns the identification. this could a country code or any organisation name or identifier that can be recognized by both parties
Constraints: maxLength: 35
- privateIdGenericIdentification
Unique and unambiguous identification of a person.
Schema: GenericIdentification
ISO20022: Unique identification of an account, a person or an organisation, as assigned by an issuer. API: The ASPSP will document which account reference type it will support.
- identificationstringrequired
API: Identifier
API: Identifier
Constraints: maxLength: 70
- schemeNamestringrequired
Name of the identification scheme.
Name of the identification scheme. Possible values for the scheme name, partially based on ISO20022 external code list, are the following:
- BANK (BankPartyIdentification): Unique and unambiguous assignment made by a specific bank or similar financial institution to identify a relationship as defined between the bank and its client.
- COID (CountryIdentificationCode) : Country authority given organisation identification (e.g., corporate registration number)
- SREN (SIREN): The SIREN number is a 9 digit code assigned by INSEE, the French National Institute for Statistics and Economic Studies, to identify an organisation in France.
- SRET (SIRET): The SIRET number is a 14 digit code assigned by INSEE, the French National Institute for Statistics and Economic Studies, to identify an organisation unit in France. It consists of the SIREN number, followed by a five digit classification number, to identify the local geographical unit of that entity.
- NIDN (NationalIdentityNumber): Number assigned by an authority to identify the national identity number of a person. Other values are also permitted, for instance:
- OAUT (OAUTH2): OAUTH2 access token that is owned by the PISP being also an AISP and that can be used in order to identify the PSU
- CPAN (CardPan): Card PAN Each implementation of the STET PSD2 API must specify in its own documentation which schemes can actually been used
Constraints: maxLength: 70
- issuerstring
ISO20022: Entity that assigns the identification. this could a country code or any organisation name or identifier that can be recognized by both parties
ISO20022: Entity that assigns the identification. this could a country code or any organisation name or identifier that can be recognized by both parties
Constraints: maxLength: 35
- regulatoryReportingCodesRegulatoryReportingCodes
List of needed regulatory reporting codes for international payments
Schema: RegulatoryReportingCodes
Type: array<string>
List of needed regulatory reporting codes for international payments
- remittanceInformationUnstructuredRemittanceInformation
ISO20022: Information supplied to enable the matching of an entry with the items that the transfer is intended to settle, such as commercial invoices in an accounts' receivable system.
Schema: UnstructuredRemittanceInformation
Type: array<string>
ISO20022: Information supplied to enable the matching of an entry with the items that the transfer is intended to settle, such as commercial invoices in an accounts' receivable system. API: Only one occurrence is allowed
Item: Relevant information to the transaction
Item constraints: maxLength: 140
- transactionStatusTransactionIndividualStatusCode
ISO20022: Specifies the status of the payment information group. API: Only the following values are allowed to provide the status of the subsequent CREDIT TRANSFER to the Payment Request - RJCT: Payment request or individual transaction included in the Payment Request has been rejected. - PDNG: (Pending): Payment request or individual transaction included in the Payment Request is pending. Further checks and status update will be performed. - ACSP: All preceding checks such as technical validation and customer profile were successful and therefore the Payment Request has been accepted for execution. - ACSC: Settlement on the debtor's account has been completed. In the case of SCTInst, this status must not been set by the debtor's Bank before the reception of the positive confirmation.
Schema: TransactionIndividualStatusCode
Code RJCTPDNGACSPACSC - statusReasonInformationStatusReasonInformation
ISO20022: Provides detailed information on the status reason.
Schema: StatusReasonInformation
Code AC01AC04AC06AG01CH03CUSTDS02FF01FRADMS03NOASRR01RR03RR04RR12