Nordic XML 2009

Appendix to CustomerCreditTransfer Initiation
NORDIC MIG
Appendix to
Nordic CustomerCreditTransfer Initiation MIG

Version 1.06
September 15th 2009
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Table of Contents
1. 2. 2.1 2.2 2.3 2.4 2.5 3. 3.1 3.2 3.3 3.4 3.5 3.6 3.7 4. 4.1 4.2 4.3 4.4 4.5 4.6 4.7 4.9 4.10 5. 5.1 5.2 5.3 5.4 6. 6.1 6.2 6.3 INTRODUCTION SWEDISH EXAMPLES Sweden, Giro Payments Sweden, OCR Payments Sweden, Money Order Sweden, Direct Credits with advice Sweden, Direct Credits without advice NORWEGIAN EXAMPLES Norway, KID Payments (OCR) Norway, Several KID Payments (OCR) in Batch Norway, Direct Credit with advice Norway, Direct Credit without advice Norway, Money Order Norway, Payroll or Pension Norway, Intra Company DANISH EXAMPLES Denmark, Direct Credit With Prompt Advice (UDUS 355 Transfer) Denmark, Direct Credit With Advice On Statement (UDUS 356 Transfer) Denmark, Payment Slip With Advice (Giro Payment Slip - Gik 01) Denmark, Payment Slip (OCR) (Giro Payment Slip - Gik 04) Denmark, Payment Slip (OCR) (Giro Payment Slip - Gik 15) Denmark, Payment Slip (OCR) (Payment Slip - Fik 71) Denmark, Payment Slip (OCR) (Payment Slip - Fik 73) Denmark, Payment Slip (OCR) (Payment Slip - Fik 75) Denmark, Domestic Cheque FINNISH EXAMPLES Finland, Normal Payment With Message Finland, Normal Payment With Reference Finland, Tax Payment Finland, Salary And Pension Payment CROSS BORDER PAYMENT ALL NORDIC COUNTRIES All, Cross Border SEPA Payment All, Cross Border non-SEPA Payment All, Cross Border Urgent Payment 3 5 5 10 15 19 24 28 28 32 37 41 44 47 50 53 53 58 64 68 72 77 81 85 89 93 93 97 101 105 110 110 114 118
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1.
INTRODUCTION
This document contains descriptions and examples for payment types included in the Nordic Credit Transfer MIG for the Payment Initiation Standard For each example, a table is presented, which describes significant data elements for each type of payment. In general these elements are Mandatory. One or two message examples are enclosed below each table. Remittance information contains information about the reason for payment (e.g. invoice number), directed from the payor to the payee. The information may be structured and/or unstructured (structured information is preferred) Structured remittance information may include, for example, reference numbers for the invoices and credit notes to which the payment refers. Unstructured remittance information contains information in free text format from the Payor to the Payee. Note: The above described remittance information is delivered to the Payee via a credit advice or similar message.
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All mandatory fields to be filled in, others should be the fields/elements which are of significant value to each national community. Template Service Independent Domestic payments Business Function Description of the service.
Data Element Payment Information Identification Payment Method Batch Booking Category Purpose Requested Execution Date Debtors Organization Identification Debtor Account Debtor Agent Identification Instruction ID End-to-end ID Amount Creditor name and address Element <PmtInfId> <PmtMtd> <BtchBookg> <CtgyPurp> <ReqdExctnDt> <Dbtr> <Id> <OrgId> <DbtrAcct> <DbtrAgt> <PmtId><InstrId> <PmtId><EndToEndId> <Amt> <Cdtr> <Nm> <PslAdr> <StrtNm> <PstCd> <TwnNm> <Ctry> <CdtrAcct> Code / Value
Creditor Account Number Remittance Information Structured and/or Unstructured
<RmtInf> <Strd> <RmtInf> <Ustrd>
Structured invoice payment type Unstructured details of payment
Example: One or two examples follows here.
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2. SWEDISH EXAMPLES 2.1 Sweden, Giro Payments
Business function: Vendor payments in Sweden are by default done as Giro Payments. Although the existence of two separate Giro systems, Bankgiro and Plusgiro, payments can be effected between these two systems.
Data Element Requested Execution Date Payment method by First Agent Debtors Organization Identification <XML tag> / Element
<ReqdExctnDt>2009-04-07</ReqdExctnDt>
Code / Value 2009-04-07
<PmtMtd>TRF</PmtMtd>
TRF
<Dbtr> <Nm>Payment Factory Outlet</Nm> <Id> <OrgId> <Othr> <Id>5566775511</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm > </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>12334567</Id> <SchmeNm> <Prtry>BGNR</Prtry> </SchmeNm> </Othr> </Id> </DbtrAcct>
Payment Factory Outlet 5566775511 BANK
Debit Account Number (identifying the debtors bankgiro number)
12334567 BGNR
OR
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Appendix to CustomerCreditTransfer Initiation Data Element Debit Account Number (identifying the debtors Plusgiro account or a bank account number connected to a single bankgiro number) Debtor Agent <XML tag> / Element
<DbtrAcct> <Id> <Othr> <Id>55551011122</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </DbtrAcct>
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Code / Value 55551011122 BBAN
End-to-end ID Amount Creditor Agent (Swedish Clearing number Bankgiro = 9900 Plusgiro = 9960) Creditor Account Number (Bankgiro number)
<DbtrAgt> <FinInstnId> <BIC>ESSESESS</BIC> </FinInstnId> </DbtrAgt> <EndToEndId>987654321</EndToEndId> <InstdAmt Ccy="SEK">5000</InstdAmt> <CdtrAgt> <FinInstnId> <ClrSysMmbId> <ClrSysId> <Cd>SESBA</Cd> </ClrSysId> <MmbId>9900</MmbId> </ClrSysMmbId> </FinInstnId> </CdtrAgt> <CdtrAcct> <Id> <Othr> <Id>12334567</Id> <SchmeNm> <Prtry>BGNR</Prtry> </SchmeNm> </Othr> </Id> </CdtrAcct>
ESSESESS
987654321 SEK 5000 SESBA 9900
12334567 BGNR
OR Creditor Account Number (Plusgiro number)

<CdtrAcct> <Id> <Othr> <Id>55551011122</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </CdtrAcct>
55551011122 BBAN
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Appendix to CustomerCreditTransfer Initiation Data Element Creditor name Remittance Information Structured (Reference number/Invoic e number (RfrdDocNb) Bankgiro Max 25 Text Plusgiro Max 27 Text) <XML tag> / Element
<Cdtr> <Nm>EDI SURPLUS</Nm> </Cdtr> <RmtInf> <Strd> <RfrdDocInf> <Tp> <CdOrPrtry> <Cd>CINV</Cd> </CdOrPrtry> </Tp> <Nb>654654</Nb> </RfrdDocInf> <RfrdDocAmt> <RmtdAmt Ccy="SEK">5000</RmtdAmt> </RfrdDocAmt> </Strd> </RmtInf>
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Code / Value EDI SURPLUS

CINV 654654 SEK 5000
Example in XML <?xml version="1.0" encoding="UTF-8" ?> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>20090822123</MsgId> <CreDtTm>2009-08-22T09:30:47-05:00</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty> <Id> <OrgId> <Othr> <Id>5566775511</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm > </Othr> </OrgId> </Id> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>20090822123123</PmtInfId> <PmtMtd>TRF</PmtMtd> <ReqdExctnDt>2009-08-28</ReqdExctnDt> <Dbtr> <Nm>Payment Factory Outlet</Nm>
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<Id> <OrgId> <Othr> <Id>5566775511</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm > </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>12334567</Id> <SchmeNm > <Prtry>BGNR</Prtry> </SchmeNm > </Othr> </Id> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>ESSESESS</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <EndToEndId>20090822123123001</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="SEK">5000</InstdAmt> </Amt> <CdtrAgt> <FinInstnId> <ClrSysMmbId>
<ClrSysId> <Cd>SESBA</Cd> </ClrSysId> <MmbId>9900</MmbId> </ClrSysMmbId>
</FinInstnId> </CdtrAgt> <Cdtr> <Nm>EDI SURPLUS</Nm> </Cdtr> <CdtrAcct> <Id>

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<Othr> <Id>87654321</Id> <SchmeNm> <Prtry>BGNR</Prtry> </SchmeNm> </Othr> </Id> </CdtrAcct> <RmtInf> <Strd> <RfrdDocInf> <Tp> <CdOrPrtry> <Cd>CINV</Cd> </CdOrPrtry> </Tp> <Nb>654654</Nb> </RfrdDocInf> <RfrdDocAmt> <RmtdAmt Ccy="SEK">5000</RmtdAmt> </RfrdDocAmt> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>
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2.2
Sweden, OCR Payments
Business Function: OCR services delivers an electronic file to the receiver for automated reconciliation of account receivable N.B Some beneficiaries require OCR reference and payments without this reference will be rejected. This rule is only applicable for payments from a bankgiro number to a Plusgiro account.
<ReqdExctnDt>2009-04-07</ReqdExctnDt> <PmtMtd>TRF</PmtMtd> <Dbtr> <Nm>Payment Factory Outlet</Nm> <Id> <OrgId> <Othr> <Id>5566775511</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm > </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>12334567</Id> <SchmeNm> <Prtry>BGNR</Prtry> </SchmeNm> </Othr> </Id> </DbtrAcct>
Code / Value 2009-04-07 TRF
12334567 BGNR
OR Debit Account Number (identifying the debtors Plusgiro account or a bank account number connected to a single bankgiro number)
55551011122 BBAN
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Appendix to CustomerCreditTransfer Initiation Data Element Debtor Agent <XML tag> / Element
<DbtrAgt> <FinInstnId> <BIC>ESSESESS</BIC> </FinInstnId> </DbtrAgt> <EndToEndId>987654321</EndToEndId> <InstdAmt Ccy="SEK">5000</InstdAmt> <CdtrAgt> <FinInstnId> <ClrSysMmbId> <ClrSysId> <Cd>SESBA</Cd> </ClrSysId> <MmbId>9900</MmbId> </ClrSysMmbId> </FinInstnId> </CdtrAgt> <CdtrAcct> <Id> <Othr> <Id>12334567</Id> <SchmeNm> <Prtry>BGNR</Prtry> </SchmeNm> </Othr> </Id> </CdtrAcct>
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Code / Value ESSESESS
End-to-end ID Amount Creditor Agent (Swedish Clearing number Bankgiro = 9900 Plusgiro = 9960)
987654321 SEK 5000 SESBA 9900
Creditor Account Number (Bankgiro number)
12334567 BGNR
OR Creditor Account Number (Plusgiro number)

<CdtrAcct> <Id> <Othr> <Id>55551011122</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </CdtrAcct> <Cdtr> <Nm>EDI SURPLUS</Nm> </Cdtr> <RmtInf> <Strd> <RfrdDocAmt> <RmtdAmt Ccy="SEK">5000</RmtdAmt> </RfrdDocAmt> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>1234567890123456789012345</Ref> </CdtrRefInf> </Strd> </RmtInf>
55551011122 BBAN
Creditor name Remittance Information Structured Reference number/Invoic e number (RfrdDocNb) Bankgiro Max 25 Text Plusgiro Max 27 Text
EDI SURPLUS
SEK 5000 SCOR 12345678901234567890123 45
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Example in XML <?xml version="1.0" encoding="UTF-8" ?> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>20090822123</MsgId> <CreDtTm>2009-08-22T09:30:47-05:00</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty> <Id> <OrgId> <Othr> <Id>5566775511</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm > </Othr> </OrgId> </Id> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>20090822123123</PmtInfId> <PmtMtd>TRF</PmtMtd> <ReqdExctnDt>2009-08-28</ReqdExctnDt> <Dbtr> <Nm>Payment Factory Outlet</Nm> <Id> <OrgId> <Othr> <Id>5566775511</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm > </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>12334567</Id> <SchmeNm > <Prtry>BGNR</Prtry> </SchmeNm >
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</Othr> </Id> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>ESSESESS</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <EndToEndId>20090822123123001</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="SEK">5000</InstdAmt> </Amt> <CdtrAgt> <FinInstnId> <ClrSysMmbId>
</FinInstnId> </CdtrAgt> <Cdtr> <Nm>EDI SURPLUS</Nm> </Cdtr> <CdtrAcct> <Id> <Othr> <Id>87654321</Id> <SchmeNm> <Prtry>BGNR</Prtry> </SchmeNm> </Othr> </Id> </CdtrAcct> <RmtInf> <Strd> <RfrdDocAmt> <RmtdAmt Ccy="SEK">5000</RmtdAmt> </RfrdDocAmt> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry>
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</Tp> <Ref>1234567890123456789012345</Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>
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2.3
Sweden, Money Order
Business Function: Payments to a beneficiary where the payor does not know creditors bankgiro number or account number.
Code / Value 2009-04-07
<PmtMtd>CHK</PmtMtd>
CHK
<Dbtr> <Nm>Payment Factory Outlet</Nm> <Id> <OrgId> <Othr> <Id>5566775511</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm > </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>12334567</Id> <SchmeNm> <Prtry>BGNR</Prtry> </SchmeNm> </Othr> </Id> </DbtrAcct>
12334567 BGNR
55551011122 BBAN
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<DbtrAgt> <FinInstnId> <BIC>ESSESESS</BIC> </FinInstnId> </DbtrAgt> <EndToEndId>987654321</EndToEndId> <Amt> <InstdAmt Ccy="SEK">5000</InstdAmt> </Amt> <Cdtr> <Nm>EDI SURPLUS</Nm> <PstlAdr> <AdrTp>ADDR</AdrTp> <StrtNm>NACKAGATAN 14</StrtNm> <PstCd>11647</PstCd> <TwnNm>STOCKHOLM</TwnNm> <Ctry>SE</Ctry> </PstlAdr> </Cdtr>
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Code / Value
ESSESESS
End-to-end ID Amount
987654321
SEK 5000
EDI SURPLUS ADDR NACKAGATAN 14 11647 STOCKHOLM SE
Creditor name and address
Remittance Information Structured
<RmtInf> <Strd> <RfrdDocInf> <Tp> <CdOrPrtry> <Cd>CINV</Cd> </CdOrPrtry> </Tp> <Nb>654654</Nb> </RfrdDocInf> <RfrdDocAmt> <RmtdAmt Ccy="SEK">5000</RmtdAmt> </RfrdDocAmt> </Strd> </RmtInf>
CINV 654654 SEK 5000
Example in XML <?xml version="1.0" encoding="UTF-8" ?> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>20090822123</MsgId> <CreDtTm>2009-08-22T09:30:47-05:00</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty>
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<Id> <OrgId> <Othr> <Id>5566775511</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm > </Othr> </OrgId> </Id> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>20090822123123</PmtInfId> <PmtMtd>CHK</PmtMtd> <ReqdExctnDt>2009-08-28</ReqdExctnDt> <Dbtr> <Nm>Payment Factory Outlet</Nm> <Id> <OrgId> <Othr> <Id>5566775511</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm > </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>12334567</Id> <SchmeNm > <Prtry>BGNR</Prtry> </SchmeNm > </Othr> </Id> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>ESSESESS</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <EndToEndId>20090822123123001</EndToEndId> </PmtId>
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<Amt> <InstdAmt Ccy="SEK">5000</InstdAmt> </Amt> <Cdtr> <Nm>EDI SURPLUS</Nm> <PstlAdr> <AdrTp>ADDR</AdrTp> <StrtNm>NACKAGATAN 14</StrtNm> <PstCd>11647</PstCd> <TwnNm>STOCKHOLM</TwnNm> <Ctry>SE</Ctry> </PstlAdr> </Cdtr> <RmtInf> <Strd> <RfrdDocInf> <Tp> <CdOrPrtry> <Cd>CINV</Cd> </CdOrPrtry> </Tp> <Nb>654654</Nb> </RfrdDocInf> <RfrdDocAmt> <RmtdAmt Ccy="SEK">5000</RmtdAmt> </RfrdDocAmt> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>
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2.4
Sweden, Direct Credits with advice
Business Function: Payments to a beneficiary where the payor does not know creditors bankgiro number, first choice, but the creditors account number, second choice. A separate paper based advice will be sent to the receiver.
Code / Value
2009-08-28
TRF
<Dbtr> <Nm>Payment Factory Outlet</Nm> <Id> <OrgId> <Othr> <Id>5566775511</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm > </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>12334567</Id> <SchmeNm > <Prtry>BGNR</Prtry> </SchmeNm > </Othr> </Id> </DbtrAcct>
12334567 BGNR
<DbtrAcct> <Id> <Othr> <Id>55551011122</Id> <SchmeNm > <Cd>BBAN</Cd> </SchmeNm > </Othr> </Id> </DbtrAcct>
55551011122 BBAN
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Appendix to CustomerCreditTransfer Initiation Data Element Debtor Agent <XML tag> / Element <DbtrAgt> <FinInstnId> <BIC>ESSESESS</BIC> </FinInstnId> </DbtrAgt>
<EndToEndId>987654321</EndToEndId>
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End-to-end ID Amount Creditor Agent
<InstdAmt Ccy="SEK">5000</InstdAmt>
<CdtrAgt> <FinInstnId> <ClrSysMmbId> <ClrSysId> <Cd>SESBA</Cd> </ClrSysId> <MmbId>5000</MmbId> </ClrSysMmbId> </FinInstnId> </CdtrAgt>
987654321 SEK 5000 SESBA 5000
Creditor Account Number
<CdtrAcct> <Id> <Othr> <Id>55991011212</Id> <SchmeNm> <Cd>BBAN</Cd > </SchmeNm> </Othr> </Id> </CdtrAcct>
<Cdtr> <Nm>EDI SURPLUS</Nm> </Cdtr>
55991011212 BBAN
Creditor name
EDI SURPLUS
<RmtInf> <Strd> <RfrdDocInf> <Tp> <CdOrPrtry> (Reference <Cd>CINV</Cd> number/Invoice </CdOrPrtry> number </Tp> (RfrdDocNb) <Nb>654654</Nb> Bankgiro Max 25 Text Plusgiro </RfrdDocInf> <RfrdDocAmt> Max 27 Text) <RmtdAmt Ccy="SEK">5000</RmtdAmt> </RfrdDocAmt> </Strd> </RmtInf>
CINV 654654 SEK 5000
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Example in XML <?xml version="1.0" encoding="UTF-8" ?> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>20090822123</MsgId> <CreDtTm>2009-08-22T09:30:47-05:00</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty> <Id> <OrgId> <Othr> <Id>5566775511</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm > </Othr> </OrgId> </Id> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>20090822123123</PmtInfId> <PmtMtd>TRF</PmtMtd> <ReqdExctnDt>2009-08-28</ReqdExctnDt> <Dbtr> <Nm>Payment Factory Outlet</Nm> <Id> <OrgId> <Othr> <Id>5566775511</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm > </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>12334567</Id> <SchmeNm > <Prtry>BGNR</Prtry> </SchmeNm > </Othr> </Id>
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</DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>ESSESESS</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <EndToEndId>20090822123123001</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="SEK">5000</InstdAmt> </Amt> <CdtrAgt> <FinInstnId> <ClrSysMmbId>
</FinInstnId> </CdtrAgt> <Cdtr> <Nm>EDI SURPLUS</Nm> <PstlAdr> <AdrTp>ADDR</AdrTp> <StrtNm>NACKAGATAN 14</StrtNm> <PstCd>11647</PstCd> <TwnNm>STOCKHOLM</TwnNm> <Ctry>SE</Ctry> </PstlAdr> </Cdtr> <CdtrAcct> <Id> <Othr> <Id>55991011212</Id> <SchmeNm> <Cd>BBAN</Cd > </SchmeNm> </Othr> </Id> </CdtrAcct> <RmtInf> <Strd> <RfrdDocInf> <Tp> <CdOrPrtry>
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<Cd>CINV</Cd> </CdOrPrtry> </Tp> <Nb>654654</Nb> </RfrdDocInf> <RfrdDocAmt> <RmtdAmt Ccy="SEK">5000</RmtdAmt> </RfrdDocAmt> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>
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2.5
Sweden, Direct Credits without advice
Business Function: Credit transfer, to an account number, that only will be shown on the receivers statement of account.
Data Element Requested Execution Date Payment method by First Agent Debtors Organization Identification
<XML tag> / Element

Code / Value 2009-04-07 TRF
<Dbtr> <Nm>Payment Factory Outlet</Nm> <Id> <OrgId> <Othr> <Id>5566775511</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm > </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>12334567</Id> <SchmeNm > <Prtry>BGNR</Prtry> </SchmeNm > </Othr> </Id> </DbtrAcct>
12334567 BGNR
<DbtrAcct> <Id> <Othr> <Id>55551011122</Id> <SchmeNm > <Cd>BBAN</Cd> </SchmeNm > </Othr> </Id> </DbtrAcct>
55551011122 BBAN
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<DbtrAgt> <FinInstnId> <BIC>ESSESESS</BIC> </FinInstnId> </DbtrAgt> <EndToEndId>987654321</EndToEndId> <InstdAmt Ccy="SEK">5000</InstdAmt> <CdtrAgt> <FinInstnId> <ClrSysMmbId> <ClrSysId> <Cd>SESBA</Cd> </ClrSysId> <MmbId>5000</MmbId> </ClrSysMmbId> </FinInstnId> </CdtrAgt> <CdtrAcct> <Id> <Othr> <Id>55991011212</Id> <SchmeNm> <Cd>BBAN</Cd > </SchmeNm> </Othr> </Id> </CdtrAcct> <Cdtr> <Nm>EDI SURPLUS</Nm> </Cdtr>
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End-to-end ID Amount Creditor Agent
987654321 SEK 5000 SESBA 5000
55991011212 BBAN
Creditor name
EDI SURPLUS
Example in XML <?xml version="1.0" encoding="UTF-8" ?> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>20090822123</MsgId> <CreDtTm>2009-08-22T09:30:47-05:00</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty> <Id> <OrgId> <Othr> <Id>5566775511</Id> <SchmeNm>
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<Cd>BANK</Cd> </SchmeNm > </Othr> </OrgId> </Id> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>20090822123123</PmtInfId> <PmtMtd>TRF</PmtMtd> <ReqdExctnDt>2009-08-28</ReqdExctnDt> <Dbtr> <Nm>Payment Factory Outlet</Nm> <Id> <OrgId> <Othr> <Id>5566775511</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm > </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>12334567</Id> <SchmeNm > <Prtry>BGNR</Prtry> </SchmeNm > </Othr> </Id> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>ESSESESS</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <EndToEndId>20090822123123001</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="SEK">5000</InstdAmt> </Amt> <CdtrAgt> <FinInstnId>
Page 26 of 121
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<ClrSysMmbId>
</FinInstnId> </CdtrAgt> <Cdtr> <Nm>EDI SURPLUS</Nm> </Cdtr> <CdtrAcct> <Id> <Othr> <Id>55991011212</Id> <SchmeNm> <Cd>BBAN</Cd > </SchmeNm> </Othr> </Id> </CdtrAcct> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>
Page 27 of 121
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3. NORWEGIAN EXAMPLES Note to the Norwegian examples: The information in the examples is based on the minimum requriements for the NO banks to generate a valid payment transaction through the Norwegian interbanksystem. 3.1 Norway, KID Payments (OCR)
Business Function: OCR that delivers an electronic file to the receiver for automated reconciliation of account receivable (some beneficiaries require KID reference and payments without this reference will be rejected).
Message Item Payment Information Identification Payment method Batch Booking Category Purpose <XML tag> /Element
<PmtInfId>123456789</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <CtgyPurp> <Cd>SUPP</Cd> </CtgyPurp> <ReqdExctnDt>2009-06-24</ReqdExctnDt> <Dbtr> <Id> <OrgId> <Othr> <Id>987654321</Id> </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>70012098765</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DNBANOKK</BIC> </FinInstnId> </DbtrAgt> <PmtId> <InstrId>2356</InstrId> <EndToEndId>136722</EndToEndId> </PmtId>
Code / Value 123456789 TRF false SUPP
Requested Execution Date Debtors Organization Identification
24.06.2009 987654321
Debtor Account
70012098765 or NOXX70012098765
Debtor Agent Identification
DNBANOKK
Instruction ID End-to-end ID
2356 (max 20) 136722 (max 16) (reference on creditors
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Amount
<Amt> <InstdAmt Ccy = "NOK">2000</InstdAmt> </Amt> <CdtrAcct> <Id> <Othr> <Id>60011012345</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </CdtrAcct> </RfrdDocInf> <RfrdDocAmt> <RmtdAmt Ccy = "NOK">2000</RmtdAmt> </RfrdDocAmt> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>12345678912345</Ref> </CdtrRefInf>
statement) NOK 2000
60011012345 or NOXX60011012345
SCOR 12345678912345 NOK 2000
Example in XML: <?xml version = "1.0" encoding = "UTF-8"?> <Document xmlns = "urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi = "http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation = "urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 file:///C:/Users/Morten.BSK/BSK/Arbeid/Oppgaver%20%26%20Prosjekter/Nordic%20ISO20 022%20Messages/Nordic%20C2B%20Customer%20Credit%20Transfer/2009OppdatertApp endix/Nordic_CCT_Mig_pain001_001_003.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>123456</MsgId> <CreDtTm>2009-06-24T11:00:00</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty/> <Id> <OrgId> <Othr> <Id>987654321</Id> </Othr> </OrgId> </Id> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>123456789</PmtInfId>
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<PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <CtgyPurp> <Cd>SUPP</Cd> </CtgyPurp> </PmtTpInf> <ReqdExctnDt>2009-06-24</ReqdExctnDt> <Dbtr> <Id> <OrgId> <Othr> <Id>987654321</Id> </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>70012098765</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DNBANOKK</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>2356</InstrId> <EndToEndId>136722</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy = "NOK">2000</InstdAmt> </Amt> <ChrgBr>SHAR</ChrgBr> <CdtrAcct> <Id> <Othr> <Id>60011012345</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </CdtrAcct> <RmtInf>
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<Strd> <RfrdDocAmt> <RmtdAmt Ccy = "NOK">2000</RmtdAmt> </RfrdDocAmt> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>12345678912345</Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>
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3.2
Norway, Several KID Payments (OCR) in Batch
Business Function: OCR payments from one debitor to two different creditors that are delivered in an electronic file so that the receivers can do an automated reconciliation of account receivable (some beneficiaries require KID reference and payments without this reference will be rejected).
<PmtInfId>123456789</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <CtgyPurp> <Cd>SUPP</Cd> </CtgyPurp> <ReqdExctnDt>2009-06-24</ReqdExctnDt> <Dbtr> <Id> <OrgId> <Othr> <Id>987654321</Id> </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>70012098765</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DNBANOKK</BIC> </FinInstnId> </DbtrAgt> <PmtId> <InstrId>2356</InstrId> <EndToEndId>136722</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy = "NOK">2000</InstdAmt> </Amt> <CdtrAcct> <Id> <Othr>
Code / Value 123456789 TRF true SUPP
24.06.2009 987654321
Debtor Account
70012098765 or NOXX70012098765
DNBANOKK
2356 (max 20) 136722 (max 16) (reference on creditors statement) NOK 2000
Amount
60011012345 or NOXX60011012345 Page 32 of 121

<Id>60011012345</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </CdtrAcct>
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</RfrdDocInf> <RfrdDocAmt> <RmtdAmt Ccy = "NOK">2000</RmtdAmt> </RfrdDocAmt> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>12345678912345</Ref> </CdtrRefInf> <PmtId> <InstrId>2398</InstrId> <EndToEndId>136789</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy = "NOK">56200</InstdAmt> </Amt> <CdtrAcct> <Id> <Othr> <Id>90551212345</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </CdtrAcct> </RfrdDocInf> <RfrdDocAmt> <RmtdAmt Ccy = "NOK">56200</RmtdAmt> </RfrdDocAmt> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>58954650000012012</Ref> </CdtrRefInf>
SCOR 12345678912345 NOK 2000
Amount
90551212345 or NOXX90551212345
SCOR 58954650000012012 NOK 56200
Example in XML: <?xml version = "1.0" encoding = "UTF-8"?>
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<Document xmlns = "urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi = "http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation = "urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 file:///C:/Users/Morten.BSK/BSK/Arbeid/Oppgaver%20%26%20Prosjekter/Nordic%20ISO20 022%20Messages/Nordic%20C2B%20Customer%20Credit%20Transfer/2009OppdatertApp endix/Nordic_CCT_Mig_pain001_001_003.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>123456</MsgId> <CreDtTm>2009-06-24T11:00:00</CreDtTm> <NbOfTxs>2</NbOfTxs> <InitgPty> <Id> <OrgId> <Othr> <Id>987654321</Id> </Othr> </OrgId> </Id> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>123456789</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>true</BtchBookg> <PmtTpInf> <CtgyPurp> <Cd>SUPP</Cd> </CtgyPurp> </PmtTpInf> <ReqdExctnDt>2009-06-24</ReqdExctnDt> <Dbtr> <Id> <OrgId> <Othr> <Id>987654321</Id> </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>70012098765</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </DbtrAcct> <DbtrAgt> <FinInstnId>
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<BIC>DNBANOKK</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>2356</InstrId> <EndToEndId>136722</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy = "NOK">2000</InstdAmt> </Amt> <ChrgBr>SHAR</ChrgBr> <CdtrAcct> <Id> <Othr> <Id>60011012345</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </CdtrAcct> <RmtInf> <Strd> <RfrdDocAmt> <RmtdAmt Ccy = "NOK">2000</RmtdAmt> </RfrdDocAmt> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>12345678912345</Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> <CdtTrfTxInf> <PmtId> <InstrId>2398</InstrId> <EndToEndId>136789</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy = "NOK">56200</InstdAmt> </Amt> <ChrgBr>SHAR</ChrgBr> <CdtrAcct> <Id> <Othr> <Id>90551212345</Id> <SchmeNm>
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<Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </CdtrAcct> <RmtInf> <Strd> <RfrdDocAmt> <RmtdAmt Ccy = "NOK">56200</RmtdAmt> </RfrdDocAmt> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>58954650000012012</Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>
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3.3
Norway, Direct Credit with advice
Business Function: Electronic or paper based advice will be sent to the receiver
<PmtInfId>123456789</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <CtgyPurp> <Cd>SUPP</Cd> </CtgyPurp> <ReqdExctnDt>2009-06-24</ReqdExctnDt> <Dbtr> <Id> <OrgId> <Othr> <Id>987654321</Id> </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>70012098765</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DNBANOKK</BIC> </FinInstnId> </DbtrAgt> <PmtId> <InstrId>2357</InstrId> <EndToEndId>3344753</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy = "NOK">3000</InstdAmt> </Amt>
24.06.2009 987654321
Debtor Account
70012098765 or NOXX70012098765
DNBANOKK
2357 (max.20) 3344753 (max.16) (reference on creditors statement) NOK 3000
Amount
<Cdtr>
<Nm>Titti Produkter</Nm> <PstlAdr> <StrtNm>Oslogate 10</StrtNm> <PstCd>0101</PstCd>
Titti Produkter Oslogate 10 0101 Oslo NO-Norge (optional)
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<TwnNm>OSLO</TwnNm> <Ctry>NO</Ctry> </PstlAdr> </Cdtr>
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(or Unstructured)
<CdtrAcct> <Id> <Othr> <Id>60011012345</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </CdtrAcct> <RmtInf> <Strd> <RfrdDocInf> <Tp> <CdOrPrtry> <Cd>CINV</Cd> </CdOrPrtry> </Tp> <Nb>808021</Nb> </RfrdDocInf> <RfrdDocAmt> <RmtdAmt Ccy = NOK">2500</RmtdAmt> </RfrdDocAmt> </Strd> <Strd> <RfrdDocInf> <Tp> <CdOrPrtry> <Cd>CINV</Cd> </CdOrPrtry> </Tp> <Nb>808023</Nb> </RfrdDocInf> <RfrdDocAmt> <RmtdAmt Ccy = "NOK">500</RmtdAmt> </RfrdDocAmt> </Strd> </RmtInf>
60011012345 or NOXX60011012345
Structured invoice payment type CINV Invoice No: 808021 Amount: NOK 2500 (mandatory) Invoice No: 808023 Amount: NOK 500 (mandatory) (Unstructured details of Payment (Payment of invoice 808021 and 808023) (Max 1750 characters)) NOTE: Structured and unstructured remittance information can not be mixed.
Example in XML: Structured Details of Payment <?xml version = "1.0" encoding = "UTF-8"?> <Document xmlns = "urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi = "http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation = "urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 file:///C:/Users/Morten.BSK/BSK/Arbeid/Oppgaver%20%26%20Prosjekter/Nordic%20ISO2 0022%20Messages/Nordic%20C2B%20Customer%20Credit%20Transfer/2009OppdatertA ppendix/Nordic_CCT_Mig_pain001_001_003.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>123456</MsgId> <CreDtTm>2009-06-24T11:00:00</CreDtTm> <NbOfTxs>1</NbOfTxs>
Page 38 of 121
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<InitgPty/> <Id> <OrgId> <Othr> <Id>987654321</Id> </Othr> </OrgId> </Id> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>123456789</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <CtgyPurp> <Cd>SUPP</Cd> </CtgyPurp> </PmtTpInf> <ReqdExctnDt>2009-06-24</ReqdExctnDt> <Dbtr> <Id> <OrgId> <Othr> <Id>987654321</Id> </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>70012098765</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DNBANOKK</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>2357</InstrId> <EndToEndId>3344753</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy = "NOK">3000</InstdAmt> </Amt>
Page 39 of 121
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<ChrgBr>SHAR</ChrgBr> <Cdtr> <Nm>Titti Produkter</Nm> <PstlAdr> <StrtNm>Oslogate 10</StrtNm> <PstCd>0101</PstCd> <TwnNm>OSLO</TwnNm> <Ctry>NO</Ctry> </PstlAdr> </Cdtr> <CdtrAcct> <Id> <Othr> <Id>60011012345</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </CdtrAcct> <RmtInf> <Strd> <RfrdDocInf> <Tp> <CdOrPrtry> <Cd>CINV</Cd> </CdOrPrtry> </Tp> <Nb>808021</Nb> </RfrdDocInf> <RfrdDocAmt> <RmtdAmt Ccy = "NOK">2500</RmtdAmt> </RfrdDocAmt> </Strd> <Strd> <RfrdDocInf> <Tp> <CdOrPrtry> <Cd>CINV</Cd> </CdOrPrtry> </Tp> <Nb>808023</Nb> </RfrdDocInf> <RfrdDocAmt> <RmtdAmt Ccy = "NOK">500</RmtdAmt> </RfrdDocAmt> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>
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3.4
Norway, Direct Credit without advice
Business Function: Credit transfer that only will be shown on the receivers statement of account
<PmtInfId>123456789</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <CtgyPurp> <Cd>SUPP</Cd> </CtgyPurp> <ReqdExctnDt>2009-06-24</ReqdExctnDt> <Dbtr> <Id> <OrgId> <Othr> <Id>987654321</Id> </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>70012098765</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DNBANOKK</BIC> </FinInstnId> </DbtrAgt> <PmtId> <InstrId>2357</InstrId> <EndToEndId>3344753</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy = "NOK">2500</InstdAmt> </Amt>
24.06.2009 987654321
Debtor Account
70012098765 or NOXX70012098765
DNBANOKK
Amount
<Cdtr>
<Nm>Titti Produkter</Nm> <PstlAdr> <StrtNm>Oslogate 10</StrtNm> <PstCd>0101</PstCd>
Titti Produkter Oslogate 10 0101 Oslo NO-Norge (optional)
Page 41 of 121

<TwnNm>OSLO</TwnNm> <Ctry>NO</Ctry> </PstlAdr> </Cdtr>
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<CdtrAcct> <Id> <Othr> <Id>60011012345</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </CdtrAcct>
60011012345 or NOXX60011012345
Example in XML: <?xml version = "1.0" encoding = "UTF-8"?> <Document xmlns = "urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi = "http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation = "urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 file:///C:/Users/Morten.BSK/BSK/Arbeid/Oppgaver%20%26%20Prosjekter/Nordic%20ISO20 022%20Messages/Nordic%20C2B%20Customer%20Credit%20Transfer/2009OppdatertApp endix/Nordic_CCT_Mig_pain001_001_003.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>123456</MsgId> <CreDtTm>2009-06-24T11:00:00</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty/> <Id> <OrgId> <Othr> <Id>987654321</Id> </Othr> </OrgId> </Id> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>123456789</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <CtgyPurp> <Cd>SUPP</Cd> </CtgyPurp> </PmtTpInf> <ReqdExctnDt>2009-06-24</ReqdExctnDt> <Dbtr> <Id> <OrgId> <Othr> <Id>987654321</Id>
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</Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>70012098765</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DNBANOKK</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>2358</InstrId> <EndToEndId>338528523</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy = "NOK">2500</InstdAmt> </Amt> <ChrgBr>SHAR</ChrgBr> <Cdtr> <Nm>Titti Produkter</Nm> <PstlAdr> <StrtNm>Oslogate 10</StrtNm> <PstCd>0101</PstCd> <TwnNm>OSLO</TwnNm> <Ctry>NO</Ctry> </PstlAdr> </Cdtr> <CdtrAcct> <Id> <Othr> <Id>60011012345</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </CdtrAcct> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>
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3.5
Norway, Money Order
Business Function: Payments to a beneficiary where the payor does not know creditors account number.
<PmtInfId>123456789</PmtInfId> <PmtMtd>CHK</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <CtgyPurp> <Cd>SUPP</Cd> </CtgyPurp> <ReqdExctnDt>2009-06-24</ReqdExctnDt> <Dbtr> <Id> <OrgId> <Othr> <Id>987654321</Id> </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>70012098765</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DNBANOKK</BIC> </FinInstnId> </DbtrAgt> <PmtId> <InstrId>2359</InstrId> <EndToEndId>2359</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy = "NOK">3500</InstdAmt> </Amt>
Code / Value 123456789 CHK false SUPP
24.06.2009 987654321
Debtor Account
70012098765 or NOXX70012098765
DNBANOKK
Instruction ID End-to-end ID Amount
<Cdtr>
<Nm>Hans Hansen</Nm> <PstlAdr> <StrtNm>Oslogate 1</StrtNm> <PstCd>0101</PstCd> <TwnNm>OSLO</TwnNm>
Hans Hansen Oslogate 1 0101 Oslo NO-Norge (optional)
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<Ctry>NO</Ctry> </PstlAdr> </Cdtr>
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Remittance Information
<RmtInf> <Ustrd>Utbetaling av tippepremie uke 25/2009</Ustrd> </RmtInf>
Structured invoice payment type will be passed on as unstructured Unstructured details of Payment (Utbetaling av tippepremie uke 25/2009) (Max 1750 characters) Note: Structured and unstructured remittance information can not be mixed.
Example in XML: Unstructured Details of Payment <?xml version = "1.0" encoding = "UTF-8"?> <Document xmlns = "urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi = "http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation = "urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 file:///C:/Users/Morten.BSK/BSK/Arbeid/Oppgaver%20%26%20Prosjekter/Nordic%20ISO20 022%20Messages/Nordic%20C2B%20Customer%20Credit%20Transfer/2009OppdatertApp endix/Nordic_CCT_Mig_pain001_001_003.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>123456</MsgId> <CreDtTm>2009-06-24T11:00:00</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty/> <Id> <OrgId> <Othr> <Id>987654321</Id> </Othr> </OrgId> </Id> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>123456789</PmtInfId> <PmtMtd>CHK</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <CtgyPurp> <Cd>SUPP</Cd> </CtgyPurp> </PmtTpInf> <ReqdExctnDt>2009-06-24</ReqdExctnDt>
Page 45 of 121
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<Dbtr> <Id> <OrgId> <Othr> <Id>987654321</Id> </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>70012098765</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DNBANOKK</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>2359</InstrId> <EndToEndId>2359</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy = "NOK">3500</InstdAmt> </Amt> <ChrgBr>SHAR</ChrgBr> <Cdtr> <Nm>Hans Hansen</Nm> <PstlAdr> <StrtNm>Oslogate 1</StrtNm> <PstCd>0101</PstCd> <TwnNm>OSLO</TwnNm> <Ctry>NO</Ctry> </PstlAdr> </Cdtr> <RmtInf> <Ustrd>Utbetaling av tippepremie uke 25/2009</Ustrd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>
Page 46 of 121
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3.6
Norway, Payroll or Pension
Business Function: Payment of salary or pension, no advice, only information on receivers statement of account.
<PmtInfId>123456789</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <CtgyPurp> <Cd>SALA</Cd> </CtgyPurp> <ReqdExctnDt>2009-06-24</ReqdExctnDt> <Dbtr> <Id> <OrgId> <Othr> <Id>987654321</Id> </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>70012098765</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DNBANOKK</BIC> </FinInstnId> </DbtrAgt> <PmtId> <InstrId>2360</InstrId> <EndToEndId>8869247</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy = "NOK">15000</InstdAmt> </Amt> <CdtrAcct> <Id> <Othr> <Id>20011595555</Id>
Code / Value 123456789 TRF false SALA or PENS
24.06.2009 987654321
Debtor Account
70012098765 or NOXX70012098765
DNBANOKK
Amount
20021595555 or NOXX20011595555
Page 47 of 121

<SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </CdtrAcct>
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Example in XML: <?xml version = "1.0" encoding = "UTF-8"?> <Document xmlns = "urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi = "http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation = "urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 file:///C:/Users/Morten.BSK/BSK/Arbeid/Oppgaver%20%26%20Prosjekter/Nordic%20ISO20 022%20Messages/Nordic%20C2B%20Customer%20Credit%20Transfer/2009OppdatertApp endix/Nordic_CCT_Mig_pain001_001_003.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>123456</MsgId> <CreDtTm>2009-06-24T11:00:00</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty/> <Id> <OrgId> <Othr> <Id>987654321</Id> </Othr> </OrgId> </Id> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>123456789</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <CtgyPurp> <Cd>SALA</Cd> </CtgyPurp> </PmtTpInf> <ReqdExctnDt>2009-06-24</ReqdExctnDt> <Dbtr> <Id> <OrgId> <Othr> <Id>987654321</Id> </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id>
Page 48 of 121
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<Othr> <Id>70012098765</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DNBANOKK</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>2360</InstrId> <EndToEndId>8869247</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy = "NOK">15000</InstdAmt> </Amt> <ChrgBr>SHAR</ChrgBr> <CdtrAcct> <Id> <Othr> <Id>20021595555</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </CdtrAcct> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>
Page 49 of 121
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3.7
Norway, Intra Company
Business Function: Account regulation within the same company in the same bank or to his own account in another Norwegian bank.
<PmtInfId>123456789</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <CtgyPurp> <Cd>INTC</Cd> </CtgyPurp> <ReqdExctnDt>2009-06-24</ReqdExctnDt> <Dbtr> <Id> <OrgId> <Othr> <Id>987654321</Id> </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>70012098765</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DNBANOKK</BIC> </FinInstnId> </DbtrAgt> <PmtId> <InstrId>2362</InstrId> <EndToEndId>598741259</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy = "NOK">500000</InstdAmt> </Amt> <CdtrAcct> <Id> <Othr>
Code / Value 123456789 TRF false INTC
24.06.2009 987654321
Debtor Account
70012098765 or NOXX70012098765
DNBANOKK
Amount
60011012345 or NOXX60011012345 Page 50 of 121

<Id>60011012345</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </CdtrAcct>
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Example in XML: <?xml version = "1.0" encoding = "UTF-8"?> <Document xmlns = "urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi = "http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation = "urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 file:///C:/Users/Morten.BSK/BSK/Arbeid/Oppgaver%20%26%20Prosjekter/Nordic%20ISO20 022%20Messages/Nordic%20C2B%20Customer%20Credit%20Transfer/2009OppdatertApp endix/Nordic_CCT_Mig_pain001_001_003.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>123456</MsgId> <CreDtTm>2009-06-24T11:00:00</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty/> <Id> <OrgId> <Othr> <Id>987654321</Id> </Othr> </OrgId> </Id> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>123456789</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <CtgyPurp> <Cd>INTC</Cd> </CtgyPurp> </PmtTpInf> <ReqdExctnDt>2009-06-24</ReqdExctnDt> <Dbtr> <Id> <OrgId> <Othr> <Id>987654321</Id> </Othr> </OrgId> </Id> </Dbtr>
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<DbtrAcct> <Id> <Othr> <Id>70012098765</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DNBANOKK</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>2362</InstrId> <EndToEndId>598741259</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy = "NOK">500000</InstdAmt> </Amt> <ChrgBr>SHAR</ChrgBr> <CdtrAcct> <Id> <Othr> <Id>60011012345</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </CdtrAcct> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>
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4. DANISH EXAMPLES 4.1 Denmark, Direct Credit With Prompt Advice (UDUS 355 Transfer)
Business Function: Account to account credit transfer with promt advise. Optional creditors ID of debtor. Optional Document Reference. Optional 41*35 characters unstructured advice
Message Item Payment Information Identification Payment Method Payment Type Information <XML tag> /Element
<PmtInfId>DEBENTID12345678901</PmtInfId> <PmtMtd>TRF</PmtMtd> <PmtTpInf> <InstrPrty>HIGH</InstrPrty>  <CtgyPurp> <Cd>SUPP</Cd>  </CtgyPurp> </PmtTpInf> <ReqdExctnDt>2009-1218</ReqdExctnDt> <Dbtr> <Id> <OrgId> <Othr> <Id>123456789</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>30000987654321</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </Id> <Ccy>DKK</Ccy> </DbtrAcct> <InstrId>OWNREFWebservice</InstrId> <EndToEndId>ENDTOENDID12345678901</EndToEndId> <InstdAmt Ccy="DKK"> 10666.00</InstdAmt>
Code / Value DEBENTID-12345678901 TRF (TRA or TRF) HIGH SUPP (INTC, PENS, SALA, SUPP or TREA)
18.12.2009
123456789 BANK Danske Bank Denmark DABADKKK
Debit Account Number
30000987654321 (DK3030000987654321) BBAN Danske Bank Denmark DABADKKK DKK OWNREF-Webservice ENDTOENDID12345678901 "DKK" 10666.00
Instruction ID End-to-end ID Purpose Amount
Page 53 of 121
Appendix to CustomerCreditTransfer Initiation Message Item Credit Account Number <XML tag> /Element
<CdtrAcct> <Id> <Othr> <Id>20001234567890</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> <Issr>Nordea Denmark - NDEADKKK</Issr> </Othr> </Id> <Ccy>DKK</Ccy> </CdtrAcct> <Cdtr> <Nm>CAPE Webconsult Aps.</Nm> <PstlAdr> <StrtNm>Markvejen</StrtNm> <BldgNb>103</BldgNb> <PstCd>4600</PstCd> <TwnNm>Koege</TwnNm> <Ctry>DK</Ctry> </PstlAdr> </Cdtr> <RmtInf> <Ustrd>Payment for webservices related to the new MS SQL web server</Ustrd> <Strd> <RfrdDocInf> <Tp> <CdOrPrtry> <Cd>CINV</Cd> </CdOrPrtry> </Tp> <Nb>InvoiceNo1234</Nb> </RfrdDocInf> <Invcee> <Id> <OrgId> <Othr> <Id>123456789012345</Id> <SchmeNm> <Cd>CUST</Cd> </SchmeNm> <Issr>CAPE Webconsult Aps.</Issr> </Othr> </OrgId> </Id> </Invcee> </Strd> </RmtInf>
NORDIC MIG
Code / Value
20001234567890 (DK2720001234567890) BBAN Nordea Denmark NDEADKKK
CAPE Webconsult Aps. Markvejen 103 4600 Koege DK
Instruction for First agent Remittance Information Unstructured and/or Structured
Payment for webservices related to the new MS SQL web server (max 1435)
CINV InvoiceNo-1234
123456789012345 CUST CAPE Webconsult Aps.
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Example: <?xml version="1.0" encoding="UTF-8"?>  <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 C:\Data\NORDIC~1\ISO20022_Maintenance2009\XSD\pain.001.001.03.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID-12345678901</MsgId> <CreDtTm>2009-12-17T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas3342312aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> <Id> <OrgId> <Othr> <Id>123456789</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </OrgId> </Id> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID-12345678901</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <InstrPrty>HIGH</InstrPrty>  <CtgyPurp> <Cd>SUPP</Cd>  </CtgyPurp> </PmtTpInf> <ReqdExctnDt>2009-12-18</ReqdExctnDt> <Dbtr> <Id> <OrgId> <Othr> <Id>123456789</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr>
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</Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>30000987654321</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </Id> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>OWNREF-Webservice</InstrId>  <EndToEndId>ENDTOENDID-12345678901</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">10666.00</InstdAmt> </Amt> <ChrgBr>DEBT</ChrgBr> <CdtrAgt> <FinInstnId> <BIC>NDEADKKK</BIC> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>CAPE Webconsult Aps.</Nm> <PstlAdr> <StrtNm>Markvejen</StrtNm> <BldgNb>103</BldgNb> <PstCd>4600</PstCd> <TwnNm>Koege</TwnNm> <Ctry>DK</Ctry> </PstlAdr> </Cdtr> <CdtrAcct> <Id> <Othr> <Id>20001234567890</Id> <SchmeNm> <Cd>BBAN</Cd>
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</SchmeNm> <Issr>Nordea Denmark - NDEADKKK</Issr> </Othr> </Id> </CdtrAcct> <RmtInf> <Ustrd>Payment for webservices related to the new MS SQL web server</Ustrd> <Strd> <RfrdDocInf> <Tp> <CdOrPrtry> <Cd>CINV</Cd> </CdOrPrtry> </Tp> <Nb>InvoiceNo-1234</Nb> </RfrdDocInf> <Invcee> <Id> <OrgId> <Othr> <Id>123456789012345</Id> <SchmeNm> <Cd>CUST</Cd> </SchmeNm> <Issr>CAPE Webconsult Aps.</Issr> </Othr> </OrgId> </Id> </Invcee> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>
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4.2
Denmark, Direct Credit With Advice On Statement (UDUS 356 Transfer)
Business Function: Account to account credit transfer with long advise. Could require text code that is used as advice-text (for instance 0248 Pension). Optional 20 characters (35) short text. Debtors ID of the payment (20). Creditors ID of debtor. Document reference. 41*35 characters unstructured advice.
<PmtInfId>DEBENTID12345678901</PmtInfId> <PmtMtd>TRA</PmtMtd> <PmtTpInf> <InstrPrty>NORM</InstrPrty>  <CtgyPurp> <Cd>SUPP</Cd>  </CtgyPurp> </PmtTpInf> <ReqdExctnDt>2009-1218</ReqdExctnDt> <Dbtr> <Id> <OrgId> <Othr> <Id>123456789</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>30000987654321</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </Id> <Ccy>DKK</Ccy> </DbtrAcct> <InstrId>OWNREFWebservice</InstrId> <EndToEndId>ENDTOENDID12345678901</EndToEndId>
Code / Value DEBENTID-12345678902 TRA (TRA or TRF) NORM
SUPP (INTC, PENS, SALA, SUPP or TREA)
18.12.2009
30000987654321 (DK3030000987654321) BBAN Danske Bank Denmark DABADKKK DKK OWNREF-Webservice (Max20Text) ENDTOENDID-12345678902
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Appendix to CustomerCreditTransfer Initiation Message Item Purpose <XML tag> /Element

<Purp> <Prtry>0086</Prtry>    <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 C:\Data\NORDIC~1\ISO20022_Maintenance2009\XSD\pain.001.001.03.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID-12345678902</MsgId> <CreDtTm>2009-12-17T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas3342312aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> <Id> <OrgId> <Othr> <Id>123456789</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr>
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</OrgId> </Id> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID-12345678902</PmtInfId> <PmtMtd>TRA</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <InstrPrty>NORM</InstrPrty>  <CtgyPurp> <Cd>SUPP</Cd>  </CtgyPurp> </PmtTpInf> <ReqdExctnDt>2009-12-18</ReqdExctnDt> <Dbtr> <Id> <OrgId> <Othr> <Id>123456789</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>30000987654321</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </Id> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>OWNREF-Webservice</InstrId> 
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<EndToEndId>ENDTOENDID-12345678902</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">10666.00</InstdAmt> </Amt> <ChrgBr>DEBT</ChrgBr> <CdtrAgt> <FinInstnId> <BIC>NDEADKKK</BIC> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>CAPE Webconsult Aps.</Nm> <PstlAdr> <StrtNm>Markvejen</StrtNm> <BldgNb>103</BldgNb> <PstCd>4600</PstCd> <TwnNm>Koege</TwnNm> <Ctry>DK</Ctry> </PstlAdr> </Cdtr> <CdtrAcct> <Id> <Othr> <Id>20001234567890</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> <Issr>Nordea Denmark - NDEADKKK</Issr> </Othr> </Id> </CdtrAcct> <Purp> <Prtry>0086</Prtry>    </Purp> <RmtInf> <Ustrd>Payment for webservices related to the new MS SQL web server</Ustrd> <Strd> <RfrdDocInf> <Tp> <CdOrPrtry> <Cd>CINV</Cd> </CdOrPrtry> </Tp> <Nb>InvoiceNo-1234</Nb> </RfrdDocInf> <Invcee>
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<Id> <OrgId> <Othr> <Id>123456789012345</Id> <SchmeNm> <Cd>CUST</Cd> </SchmeNm> <Issr>CAPE Webconsult Aps.</Issr> </Othr> </OrgId> </Id> </Invcee> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>
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4.3
Denmark, Payment Slip With Advice (Giro Payment Slip - Gik 01)
Business Function: Payment Slip/OCR without Payment Identification but with Remittance Information. No Payment ID for automatic reconciliation. Creditor receives information concerning Debtor name, address and additional information like invoice number (supplied by Debtor) for instance via a copy of the card or via an account statement. Unstructured advice could be included. Payment to account in Financial Institution.
<PmtInfId>DEBENTID12345678904</PmtInfId> <PmtMtd>TRF</PmtMtd> <PmtTpInf> <InstrPrty>NORM</InstrPrty> <LclInstrm> <Prtry>IBK</Prtry> </LclInstrm> </PmtTpInf> <ReqdExctnDt>2009-1218</ReqdExctnDt> <Dbtr> <Id> <OrgId> <Othr> <Id>123456789</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>20001234567890</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> <Issr>Nordea Denmark - NDEADKKK</Issr> </Othr> </Id> <Ccy>DKK</Ccy> </DbtrAcct> <InstrId>OWNREFWebservice</InstrId> <EndToEndId>ENDTOENDID12345678904</EndToEndId> <InstdAmt Ccy="DKK">866.06</InstdAmt>
Code / Value DEBENTID12345678904 TRF (TRA or TRF) NORM IBK 18.12.2009
20001234567890 (DK2720001234567890) BBAN Nordea Denmark NDEADKKK DKK OWNREF-Webservice ENDTOENDID12345678904 DKK" 866.06
Page 64 of 121
Appendix to CustomerCreditTransfer Initiation Message Item Creditor Account Number <XML tag> /Element
<CdtrAcct> <Id> <Othr> <Id>1234567</Id> <SchmeNm> <Prtry>Giro Account Number</Prtry> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </Id> </CdtrAcct>
NORDIC MIG
Code / Value
1234567 Giro Account Number Danske Bank Denmark DABADKKK
Creditor name and address Instruction for First agent Remittance Information Unstructured
and/or Structured
<RmtInf> <Ustrd>Payment for webservices related to the new MS SQL web server. Phonenumber: +45 3300 0033</Ustrd> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>01+</Ref> </CdtrRefInf> </Strd> </RmtInf>
Payment for webservices related to the new MS SQL web server. Phonenumber: +45 3300 0033 (Max1435Text) SCOR 01+
Example: <?xml version="1.0" encoding="UTF-8"?>  <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 C:\Data\NORDIC~1\ISO20022_Maintenance2009\XSD\pain.001.001.03.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID-12345678904</MsgId> <CreDtTm>2009-12-17T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas3342312aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> <Id> <OrgId> <Othr> <Id>123456789</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm>
Page 65 of 121
NORDIC MIG
<Issr>Nordea Denmark - NDEADKKK</Issr> </Othr> </OrgId> </Id> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID-12345678904</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <InstrPrty>NORM</InstrPrty> <LclInstrm> <Prtry>IBK</Prtry> </LclInstrm> </PmtTpInf> <ReqdExctnDt>2009-12-18</ReqdExctnDt> <Dbtr> <Id> <OrgId> <Othr> <Id>123456789</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Nordea Denmark - NDEADKKK</Issr> </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>20001234567890</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> <Issr>Nordea Denmark - NDEADKKK</Issr> </Othr> </Id> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>NDEADKKK</BIC> </FinInstnId> </DbtrAgt> <ChrgsAcct> <Id> <Othr> <Id>20001234567890</Id> <SchmeNm>
Page 66 of 121
NORDIC MIG
<Cd>BBAN</Cd> </SchmeNm> <Issr>Nordea Denmark - NDEADKKK</Issr> </Othr> </Id> </ChrgsAcct> <CdtTrfTxInf> <PmtId> <InstrId>OWNREF-Webservice</InstrId> <EndToEndId>ENDTOENDID-12345678904</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">866.06</InstdAmt> </Amt> <ChrgBr>DEBT</ChrgBr> <CdtrAcct> <Id> <Othr> <Id>1234567</Id> <SchmeNm> <Prtry>Giro Account Number</Prtry> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </Id> </CdtrAcct> <RmtInf> <Ustrd>Payment for webservices related to the new MS SQL web server. Phonenumber: +45 3300 0033</Ustrd> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>01+</Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>
Page 67 of 121
NORDIC MIG
4.4
Denmark, Payment Slip (OCR) (Giro Payment Slip - Gik 04)
Business Function: Payment Slip /OCR with Payment Identification but without Remittance nformation. 16 digits Payment ID for automatic reconciliation. No unstructured advice. Payment to Giro account.
<PmtInfId>DEBENTID12345678905</PmtInfId> <PmtMtd>TRF</PmtMtd> <PmtTpInf> <InstrPrty>NORM</InstrPrty> <LclInstrm> <Prtry>IBK</Prtry> </LclInstrm> </PmtTpInf> <ReqdExctnDt>2009-1218</ReqdExctnDt> <OrgId> <Othr> <Id>123456789</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Nordea Denmark - NDEADKKK</Issr> </Othr> </OrgId> <DbtrAcct> <Id> <Othr> <Id>20001234567890</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> <Issr>Nordea Denmark - NDEADKKK</Issr> </Othr> </Id> <Ccy>DKK</Ccy> </DbtrAcct> <InstrId>OWNREFWebservice</InstrId> <EndToEndId>ENDTOENDID12345678905</EndToEndId> <InstdAmt Ccy="DKK">866.06</InstdAmt>
123456789 BANK Nordea Denmark NDEADKKK
20001234567890 (DK2720001234567890) BBAN Nordea Denmark NDEADKKK DKK OWNREF-Webservice ENDTOENDID12345678905
"DKK" 866.06
Page 68 of 121
<CdtrAcct> <Id> <Othr> <Id>1234567</Id> <SchmeNm> <Prtry>Giro Account Number</Prtry> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr>  </Othr> </Id> </CdtrAcct>
NORDIC MIG
Code / Value
<RmtInf> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>04+1234567890123456</Ref> </CdtrRefInf> </Strd> </RmtInf>
and/or Structured
SCOR 04+1234567890123456
Example: <?xml version="1.0" encoding="UTF-8"?>  <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 C:\Data\NORDIC~1\ISO20022_Maintenance2009\XSD\pain.001.001.03.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID-12345678905</MsgId> <CreDtTm>2009-12-17T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas3342312aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> <Id> <OrgId> <Othr> <Id>123456789</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Nordea Denmark - NDEADKKK</Issr>
Page 69 of 121
NORDIC MIG
</Othr> </OrgId> </Id> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID-12345678905</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <InstrPrty>NORM</InstrPrty> <LclInstrm> <Prtry>IBK</Prtry> </LclInstrm> </PmtTpInf> <ReqdExctnDt>2009-12-18</ReqdExctnDt> <Dbtr> <Id> <OrgId> <Othr> <Id>123456789</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Nordea Denmark - NDEADKKK</Issr> </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>20001234567890</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> <Issr>Nordea Denmark - NDEADKKK</Issr> </Othr> </Id> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>NDEADKKK</BIC> </FinInstnId> </DbtrAgt> <ChrgsAcct> <Id> <Othr> <Id>20001234567890</Id> <SchmeNm> <Cd>BBAN</Cd>
Page 70 of 121
NORDIC MIG
</SchmeNm> <Issr>Nordea Denmark - NDEADKKK</Issr> </Othr> </Id> </ChrgsAcct> <CdtTrfTxInf> <PmtId> <InstrId>OWNREF-Webservice</InstrId> <EndToEndId>ENDTOENDID-12345678905</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">866.06</InstdAmt> </Amt> <ChrgBr>DEBT</ChrgBr> <CdtrAcct> <Id> <Othr> <Id>1234567</Id> <SchmeNm> <Prtry>Giro Account Number</Prtry> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr>  </Othr> </Id> </CdtrAcct> <RmtInf> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>04+1234567890123456</Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>
Page 71 of 121
NORDIC MIG
4.5
Denmark, Payment Slip (OCR) (Giro Payment Slip - Gik 15)
Business Function: Payment Slip/OCR with Payment Identification but without Remittance Information. 16 digits Payment ID for automatic reconciliation. No unstructured advice. Payment to Giro account.
<PmtInfId>DEBENTID12345678906</PmtInfId> <PmtMtd>TRA</PmtMtd> <PmtTpInf> <InstrPrty>NORM</InstrPrty> <LclInstrm> <Prtry>IBK</Prtry> </LclInstrm> </PmtTpInf> <ReqdExctnDt>2009-1218</ReqdExctnDt> <OrgId> <Othr> <Id>123456789</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Nordea Denmark - NDEADKKK</Issr> </Othr> </OrgId> <DbtrAcct> <Id> <Othr> <Id>20001234567890</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> <Issr>Nordea Denmark - NDEADKKK</Issr> </Othr> </Id> <Ccy>DKK</Ccy> </DbtrAcct> <InstrId>OWNREFWebservice</InstrId> <EndToEndId>ENDTOENDID12345678906</EndToEndId> <InstdAmt Ccy="DKK">866.06</InstdAmt>
Code / Value DEBENTID-12345678906 TRA (TRA or TRF) NORM IBK 18.12.2009
123456789 BANK Nordea Denmark NDEADKKK
20001234567890 (DK272000123456789) BBAN Nordea Denmark NDEADKKK</Issr> DKK OWNREF-Webservice ENDTOENDID12345678906
"DKK" 866.06
Page 72 of 121
<CdtrAcct> <Id> <Othr> <Id>1234567</Id> <SchmeNm> <Prtry>Giro Account Number</Prtry> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr>  </Othr> </Id> </CdtrAcct>
NORDIC MIG
Code / Value
and/or Structured
SCOR 15+1234567890123456
Page 73 of 121
NORDIC MIG
Example: <?xml version="1.0" encoding="UTF-8"?>  <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 C:\Data\NORDIC~1\ISO20022_Maintenance2009\XSD\pain.001.001.03.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID-12345678906</MsgId> <CreDtTm>2009-12-17T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas3342312aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> <Id> <OrgId> <Othr> <Id>123456789</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Nordea Denmark - NDEADKKK</Issr> </Othr> </OrgId> </Id> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID-12345678906</PmtInfId> <PmtMtd>TRA</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <InstrPrty>NORM</InstrPrty> <LclInstrm> <Prtry>IBK</Prtry> </LclInstrm> </PmtTpInf> <ReqdExctnDt>2009-12-18</ReqdExctnDt> <Dbtr> <Id> <OrgId> <Othr> <Id>123456789</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Nordea Denmark - NDEADKKK</Issr> </Othr> </OrgId>
Page 74 of 121
NORDIC MIG
</Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>20001234567890</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> <Issr>Nordea Denmark - NDEADKKK</Issr> </Othr> </Id> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>NDEADKKK</BIC> </FinInstnId> </DbtrAgt> <ChrgsAcct> <Id> <Othr> <Id>20001234567890</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> <Issr>Nordea Denmark - NDEADKKK</Issr> </Othr> </Id> </ChrgsAcct> <CdtTrfTxInf> <PmtId> <InstrId>OWNREF-Webservice</InstrId> <EndToEndId>ENDTOENDID-12345678906</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">866.06</InstdAmt> </Amt> <ChrgBr>DEBT</ChrgBr> <CdtrAcct> <Id> <Othr> <Id>1234567</Id> <SchmeNm> <Prtry>Giro Account Number</Prtry> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr>  </Othr> </Id> </CdtrAcct> <RmtInf>
Page 75 of 121
NORDIC MIG
<Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>15+1234567890123456</Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>
Page 76 of 121
NORDIC MIG
4.6
Denmark, Payment Slip (OCR) (Payment Slip - Fik 71)
Business Function: Payment Slip/OCR with Payment Identification but without Remittance Information. 15 digits Payment ID for automatic reconciliation. No unstructured advice. Payment to account in Financial Institution.
<PmtInfId>DEBENTID12345678907</PmtInfId> <PmtMtd>TRF</PmtMtd> <PmtTpInf> <InstrPrty>NORM</InstrPrty> <LclInstrm> <Prtry>IBK</Prtry> </LclInstrm> </PmtTpInf> <ReqdExctnDt>2009-1218</ReqdExctnDt> <OrgId> <Othr> <Id>123456789</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </OrgId> <DbtrAcct> <Id> <Othr> <Id>30000987654321</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </Id> <Ccy>DKK</Ccy> </DbtrAcct> <InstrId>OWNREFWebservice</InstrId> <EndToEndId>ENDTOENDID12345678907</EndToEndId> <InstdAmt Ccy="DKK">666.06</InstdAmt>
30000987654321 (DK3030000987654321) BBAN Danske Bank Denmark DABADKKK DKK OWNREF-Webservice ENDTOENDID12345678907
"DKK" 666.06
Page 77 of 121
<CdtrAcct> <Id> <Othr> <Id>87654321</Id> <SchmeNm> <Prtry>FI Creditor Number</Prtry> </SchmeNm> <Issr>PBS Denmark</Issr>  </Othr> </Id> </CdtrAcct>
NORDIC MIG
Code / Value
87654321 FI Creditor Number PBS Denmark
and/or Structured
SCOR 71+123456789012345
Example: <?xml version="1.0" encoding="UTF-8"?>  <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 C:\Data\NORDIC~1\ISO20022_Maintenance2009\XSD\pain.001.001.03.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID-12345678907</MsgId> <CreDtTm>2009-12-17T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas3342312aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> <Id> <OrgId> <Othr> <Id>123456789</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm>
Page 78 of 121
NORDIC MIG
<Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </OrgId> </Id> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID-12345678907</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <InstrPrty>NORM</InstrPrty> <LclInstrm> <Prtry>IBK</Prtry> </LclInstrm> </PmtTpInf> <ReqdExctnDt>2009-12-18</ReqdExctnDt> <Dbtr> <Id> <OrgId> <Othr> <Id>123456789</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>30000987654321</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </Id> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </DbtrAgt> <ChrgsAcct> <Id> <Othr> <Id>30000987654321</Id> <SchmeNm>
Page 79 of 121
NORDIC MIG
<Cd>BBAN</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </Id> </ChrgsAcct> <CdtTrfTxInf> <PmtId> <InstrId>OWNREF-Webservice</InstrId> <EndToEndId>ENDTOENDID-12345678907</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">666.06</InstdAmt> </Amt> <ChrgBr>DEBT</ChrgBr> <CdtrAcct> <Id> <Othr> <Id>87654321</Id> <SchmeNm> <Prtry>FI Creditor Number</Prtry> </SchmeNm> <Issr>PBS Denmark</Issr>  </Othr> </Id> </CdtrAcct> <RmtInf> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>71+123456789012345</Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>
Page 80 of 121
NORDIC MIG
4.7
Business Function: Payment Slip/OCR without Payment Identification but with Remittance Information. No Payment ID for automatic reconciliation. Creditor receives information concerning Debtor name, address and additional information like invoice number (supplied by Debtor) for instance via a copy of the card or via an account-statement. Unstructured advice could be included. Payment to account in Financial Institution.
30000987654321 (DK3030000987654321) BBAN Danske Bank Denmark DABADKKK
DKK OWNREF-Webservice ENDTOENDID12345678908
"DKK">666.06
Page 81 of 121
NORDIC MIG
Code / Value
and/or Structured
<RmtInf> <Ustrd>Payment for webservices related to the new MS SQL web server. Phonenumber: +45 3300 0033</Ustrd> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>73+</Ref> </CdtrRefInf> </Strd> </RmtInf>
Payment for webservices related to the new MS SQL web server. Phonenumber: +45 3300 0033 (Max1435Text) SCOR 73+
Example: <?xml version="1.0" encoding="UTF-8"?>  <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 C:\Data\NORDIC~1\ISO20022_Maintenance2009\XSD\pain.001.001.03.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID-12345678908</MsgId> <CreDtTm>2009-12-17T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas3342312aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> <Id> <OrgId> <Othr> <Id>123456789</Id> <SchmeNm>
Page 82 of 121
NORDIC MIG
<Cd>BANK</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </OrgId> </Id> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID-12345678908</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <InstrPrty>NORM</InstrPrty> <LclInstrm> <Prtry>IBK</Prtry> </LclInstrm> </PmtTpInf> <ReqdExctnDt>2009-12-18</ReqdExctnDt> <Dbtr> <Id> <OrgId> <Othr> <Id>123456789</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>30000987654321</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </Id> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </DbtrAgt> <ChrgsAcct> <Id> <Othr>
Page 83 of 121
NORDIC MIG
<Id>30000987654321</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </Id> </ChrgsAcct> <CdtTrfTxInf> <PmtId> <InstrId>OWNREF-Webservice</InstrId> <EndToEndId>ENDTOENDID-12345678908</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">666.66</InstdAmt> </Amt> <ChrgBr>DEBT</ChrgBr> <CdtrAcct> <Id> <Othr> <Id>12345678</Id> <SchmeNm> <Prtry>FI Creditor Number</Prtry> </SchmeNm> <Issr>PBS Denmark</Issr>  </Othr> </Id> </CdtrAcct> <RmtInf> <Ustrd>Payment for webservices related to the new MS SQL web server. Phonenumber: +45 3300 0033</Ustrd> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>73+</Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>
Page 84 of 121
NORDIC MIG
4.9
Business Function: Payment Slip/OCR with Payment Identification and with Remittance Information. 16 digits Payment ID for automatic reconciliation. Unstructured advice could be included but not Debtor name and address. Payment to account in Financial Institution.
30000987654321 (DK3030000987654321) BBAN Danske Bank Denmark DABADKKK DKK OWNREF-Webservice ENDTOENDID12345678909
"DKK" 666.66
Page 85 of 121
NORDIC MIG
Code / Value
and/or Structured
<RmtInf> <Ustrd>Payment for webservices related to the new MS SQL web server</Ustrd> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>75+1234567890123456</Ref> </CdtrRefInf> </Strd> </RmtInf>
Payment for webservices related to the new MS SQL web server (Max1435Text)
SCOR 75+1234567890123456
Example: <?xml version="1.0" encoding="UTF-8"?>  <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 C:\Data\NORDIC~1\ISO20022_Maintenance2009\XSD\pain.001.001.03.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID-12345678909</MsgId> <CreDtTm>2009-12-17T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas3342312aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> <Id> <OrgId> <Othr> <Id>123456789</Id> <SchmeNm>
Page 86 of 121
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<Cd>BANK</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </OrgId> </Id> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID-12345678909</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <InstrPrty>NORM</InstrPrty> <LclInstrm> <Prtry>IBK</Prtry> </LclInstrm> </PmtTpInf> <ReqdExctnDt>2009-12-18</ReqdExctnDt> <Dbtr> <Id> <OrgId> <Othr> <Id>123456789</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>30000987654321</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </Id> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </DbtrAgt> <ChrgsAcct> <Id> <Othr>
Page 87 of 121
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<Id>30000987654321</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </Id> </ChrgsAcct> <CdtTrfTxInf> <PmtId> <InstrId>OWNREF-Webservice</InstrId> <EndToEndId>ENDTOENDID-12345678909</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">666.66</InstdAmt> </Amt> <ChrgBr>DEBT</ChrgBr> <CdtrAcct> <Id> <Othr> <Id>12345678</Id> <SchmeNm> <Prtry>FI Creditor Number</Prtry> </SchmeNm> <Issr>PBS Denmark</Issr>  </Othr> </Id> </CdtrAcct> <RmtInf> <Ustrd>Payment for webservices related to the new MS SQL web server</Ustrd> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>75+1234567890123456</Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>
Page 88 of 121
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4.10
Denmark, Domestic Cheque
Business Function: Domestic cheque without Payment Identification. Unstructured advice could be included. Cheque is sent by mail to Creditor.
Message Item Payment Information Identification Payment Method Payment Type Information Requested Execution Date Debtors Organization Identification <XML tag> /Element
<PmtInfId>DEBENTID12345678909CHK</PmtInfId> <PmtMtd>CHK</PmtMtd> <ReqdExctnDt>2009-1218</ReqdExctnDt> <Dbtr> <Id> <OrgId> <Othr> <Id>123456789</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>30000987654321</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </Id> <Ccy>DKK</Ccy> </DbtrAcct> <InstrId>OWNREFWebservice</InstrId> <EndToEndId>ENDTOENDID12345678909CHK</EndToEndId> <InstdAmt Ccy="DKK"> 10666.00</InstdAmt>
Code / Value DEBENTID12345678909CHK CHK 18.12.2009
30000987654321 (DK3030000987654321) BBAN Danske Bank Denmark DABADKKK DKK OWNREF-Webservice ENDTOENDID12345678909CHK "DKK" 10666.00
Page 89 of 121
Appendix to CustomerCreditTransfer Initiation Message Item Cheque Instruction <XML tag> /Element
<ChqInstr> <ChqTp>CCHQ</ChqTp> <DlvryMtd> <Cd>MLCD</Cd> </DlvryMtd> <DlvrTo> <Nm>CAPE Webconsult Aps.</Nm> <Adr> <StrtNm>Markvejen</StrtNm> <BldgNb>103</BldgNb> <PstCd>4600</PstCd> <TwnNm>Koege</TwnNm> <Ctry>DK</Ctry> </Adr> </DlvrTo> </ChqInstr>
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Code / Value CCHQ (BCHQ, CCCH, CCHQ) MLCD (MLDB, MLCD, PUCD) CAPE Webconsult Aps. Markvejen 103 4600 Koege DK
<Cdtr> <Nm>CAPE Webconsult Aps.</Nm> <PstlAdr> <StrtNm>Markvejen</StrtNm> <BldgNb>103</BldgNb> <PstCd>4600</PstCd> <TwnNm>Koege</TwnNm> <Ctry>DK</Ctry> </PstlAdr> </Cdtr> <RmtInf> <Ustrd>Payment for webservices related to the new MS SQL web server. InvoiceNo-1234</Ustrd> </RmtInf>
Instruction for First agent Remittance Information Unstructured
and/or Structured
Payment for webservices related to the new MS SQL web server. InvoiceNo-1234 (Max1435Text)
Example: <?xml version="1.0" encoding="UTF-8"?>  <Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 C:\Data\NORDIC~1\ISO20022_Maintenance2009\XSD\pain.001.001.03.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID-12345678909CHK</MsgId> <CreDtTm>2009-12-17T09:30:47+01:00</CreDtTm> <Authstn>
Page 90 of 121
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<Prtry>AWEERDfas3342312aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> <Id> <OrgId> <Othr> <Id>123456789</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </OrgId> </Id> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID-12345678909CHK</PmtInfId> <PmtMtd>CHK</PmtMtd> <BtchBookg>false</BtchBookg> <ReqdExctnDt>2009-12-18</ReqdExctnDt> <Dbtr> <Id> <OrgId> <Othr> <Id>123456789</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>30000987654321</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </Id> <Ccy>DKK</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </DbtrAgt>
Page 91 of 121
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<CdtTrfTxInf> <PmtId> <InstrId>OWNREF-Webservice</InstrId> <EndToEndId>ENDTOENDID-12345678909CHK</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="DKK">10666.00</InstdAmt> </Amt> <ChrgBr>DEBT</ChrgBr> <ChqInstr> <ChqTp>CCHQ</ChqTp> <DlvryMtd> <Cd>MLCD</Cd> </DlvryMtd> <DlvrTo> <Nm>CAPE Webconsult Aps.</Nm> <Adr> <StrtNm>Markvejen</StrtNm> <BldgNb>103</BldgNb> <PstCd>4600</PstCd> <TwnNm>Koege</TwnNm> <Ctry>DK</Ctry> </Adr> </DlvrTo> </ChqInstr> <Cdtr> <Nm>CAPE Webconsult Aps.</Nm> <PstlAdr> <StrtNm>Markvejen</StrtNm> <BldgNb>103</BldgNb> <PstCd>4600</PstCd> <TwnNm>Koege</TwnNm> <Ctry>DK</Ctry> </PstlAdr> </Cdtr> <RmtInf> <Ustrd>Payment for webservices related to the new MS SQL web server. InvoiceNo-1234</Ustrd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>
Page 92 of 121
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5. FINNISH EXAMPLES 5.1 Finland, Normal Payment With Message
Business Function: Account to account credit transfer with message. Optional max. 140 characters unstructured advice
Message Item Payment Information Identification Payment Method Requested Execution Date Batch Booking
<XML tag> /Element <PmtInfId>20090821-12345606</PmtInfId> <PmtMtd>TRF</PmtMtd> <ReqdExctnDt>2009-0824</ReqdExctnDt> <BtchBookg>true</BtchBookg>
Code / Value 20090821-123456-06 TRF 24.8.2009 The Payer may indicate their request to receive the debits one by one, or as joint bundles at PaymentInformation level. 987654321
Debtors Organization Identification
<Id> <OrgId> <Othr> <Id>0987654321</Id> </Othr> </OrgId> </Id> <DbtrAcct> <Id> <IBAN>FI852950180003 0574</IBAN> </Id> </DbtrAcct> <InstrId>20090821I000017</InstrId>
FI8529501800030574 Only IBAN is allowed
Instruction ID
End-to-end ID
<EndToEndId>20090821E000005</EndToEndId>
Amount
<Amt> <InstdAmt Ccy="EUR">2000.02</InstdAmt> </Amt> Page 93 of 121
20090821-I000017 Payers unique identification, which is used between the payer and payers bank. The identification is returned to the payer only. 20090821-E000005 Unique identification assigned by the payer to unambiguously identify the transaction. This identification will be returned to the payer and passed on to the beneficiary. 2000,02
Appendix to CustomerCreditTransfer Initiation Message Item Creditor Account Number <XML tag> /Element <CdtrAcct> <Id> <IBAN> AT611904300234573201 </IBAN> </Id> </CdtrAcct> <Cdtr> <Nm>SACHER GmbH</Nm> <PstlAdr> <Ctry>AT</Ctry> <AdrLine>Hohenstaufengasse 123</AdrLine> <AdrLine>AT-1010 Wien</AdrLine> </PstlAdr> </Cdtr> <RmtInf> <Ustrd> INVOICES SAC187//SAC188</Ustrd> </RmtInf>
NORDIC MIG
Code / Value AT611904300234573201
SACHER GmbH Hohenstaufengasse 123 AT-1010 Wien
Unstructured Remittance Information
INVOICES SAC187//SAC188
Example: <?xml version="1.0" encoding="UTF-8"?> <Document xsi:schemaLocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 pain.001.001.03.xsd" xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>20090821-0000004</MsgId> <CreDtTm>2009-08-21T10:30:00</CreDtTm> <NbOfTxs>1</NbOfTxs> <CtrlSum>2000.02</CtrlSum> <InitgPty> <Nm>Group Finance</Nm> <PstlAdr> <Ctry>FI</Ctry> <AdrLine>Aleksanterinkatu 23</AdrLine> <AdrLine>FI-00100 Helsinki</AdrLine> </PstlAdr> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>20090821-123456-06</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>true</BtchBookg> <PmtTpInf> <SvcLvl> <Cd>SEPA</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt>2009-08-24</ReqdExctnDt>
Page 94 of 121
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<Dbtr> <Nm>Oy Company Ab </Nm> <PstlAdr> <Ctry>FI</Ctry> <AdrLine>Mannerheimintie 66</AdrLine> <AdrLine>FI-00260 Helsinki</AdrLine> </PstlAdr> <Id> <OrgId> <Othr> <Id>0987654321</Id> </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <IBAN>FI8529501800030574</IBAN> </Id> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>NDEAFIHH</BIC> </FinInstnId> </DbtrAgt> <ChrgBr>SLEV</ChrgBr> <CdtTrfTxInf> <PmtId> <InstrId>20090821-I000017</InstrId> <EndToEndId>20090821-E000005</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="EUR">2000.02</InstdAmt> </Amt> <UltmtDbtr> <Nm>Original Debtor Plc</Nm> </UltmtDbtr> <CdtrAgt> <FinInstnId> <BIC>BANKATWW</BIC> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>SACHER GmbH</Nm> <PstlAdr> <Ctry>AT</Ctry> <AdrLine>Hohenstaufengasse 123</AdrLine> <AdrLine>AT-1010 Wien</AdrLine> </PstlAdr> </Cdtr> <CdtrAcct> <Id>
Page 95 of 121
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<IBAN>AT611904300234573201</IBAN> </Id> </CdtrAcct> <RmtInf> <Ustrd> INVOICES SAC187//SAC188</Ustrd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>
Page 96 of 121
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5.2
Finland, Normal Payment With Reference
Business Function: Account to account credit transfer with domestic reference.

Message Item Payment Information Identification Payment Method Batch Booking <XML tag> /Element <PmtInfId>20090821-12345603</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>true</BtchBookg > Code / Value 20090821-123456-03 TRF The Payer may indicate their request to receive the debits one by one, or as joint bundles at PaymentInformation level. 24.8.2009 987654321
<ReqdExctnDt>2009-0824</ReqdExctnDt> <Id> <OrgId> <Othr> <Id>0987654321</Id> </Othr> </OrgId> </Id> <DbtrAcct> <Id> <IBAN>FI852950180003 0574</IBAN> </Id> </DbtrAcct> <InstrId>20090821I000013</InstrId>
FI8529501800030574 Only IBAN is allowed
Instruction ID
End-to-end ID
Amount
<Amt> <InstdAmt Ccy="EUR">181.10</InstdAmt > </Amt> <CdtrAcct> <Id> <IBAN>FI6329501800020 582</IBAN> </Id> </CdtrAcct> Page 97 of 121
20090821-I000013 Payers unique identification, which is used between the payer and payers bank. The identification is returned to the payer only. 20090821-E000003 Unique identification assigned by the payer to unambiguously identify the transaction. This identification will be returned to the payer and passed on to the beneficiary. 181,10
FI6329501800020 582
Appendix to CustomerCreditTransfer Initiation Message Item Creditor name and address <XML tag> /Element <Cdtr> <Nm>Creditor Company</Nm> <PstlAdr> <Ctry>FI</Ctry> <AdrLine>Linnankatu 50</AdrLine> <AdrLine>20100 Turku</AdrLine> </PstlAdr> </Cdtr> <RmtInf> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>000000000000000012 45</Ref> </CdtrRefInf> </Strd> </RmtInf>
NORDIC MIG
Code / Value
Reference number: 12345
Example: <?xml version="1.0" encoding="UTF-8"?> <Document xsi:schemaLocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 pain.001.001.03.xsd" xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>20090821-0000003</MsgId> <CreDtTm>2009-08-21T10:30:00</CreDtTm> <NbOfTxs>1</NbOfTxs> <CtrlSum>181.10</CtrlSum> <InitgPty> <Nm>Group Finance</Nm> <PstlAdr> <Ctry>FI</Ctry> <AdrLine>Aleksanterinkatu 23</AdrLine> <AdrLine>FI-00100 Helsinki</AdrLine> </PstlAdr> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>20090821-123456-03</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>true</BtchBookg> <PmtTpInf> <SvcLvl> <Cd>SEPA</Cd>
Page 98 of 121
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</SvcLvl> </PmtTpInf> <ReqdExctnDt>2009-08-24</ReqdExctnDt> <Dbtr> <Nm>Oy Company Ab </Nm> <PstlAdr> <Ctry>FI</Ctry> <AdrLine>Mannerheimintie 66</AdrLine> <AdrLine>FI-00260 Helsinki</AdrLine> </PstlAdr> <Id> <OrgId> <Othr> <Id>0987654321</Id> </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <IBAN>FI8529501800030574</IBAN> </Id> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>NDEAFIHH</BIC> </FinInstnId> </DbtrAgt> <ChrgBr>SLEV</ChrgBr> <CdtTrfTxInf> <PmtId> <InstrId>20090821-I000013</InstrId> <EndToEndId>20090821-E000003</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="EUR">181.10</InstdAmt> </Amt> <CdtrAgt> <FinInstnId> <BIC>BANKFIHH</BIC> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>Creditor Company</Nm> <PstlAdr> <Ctry>FI</Ctry> <AdrLine>Linnankatu 50</AdrLine> <AdrLine>20100 Turku</AdrLine> </PstlAdr> </Cdtr> <CdtrAcct> <Id>
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<IBAN>FI6329501800020582</IBAN> </Id> </CdtrAcct> <RmtInf> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>00000000000000001245</Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>
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5.3
Finland, Tax Payment
Business Function: Payments to tax authority the Creditor reference and Additional Remittance Information is forwarded to the beneficiary.
Message Item Payment Information Identification Payment Method Batch Booking <XML tag> /Element
<PmtInfId>20090821-12345602</PmtInfId> <PmtMtd>TRF</PmtMtd>
Code / Value
20090821-123456-02
TRF The Payer may indicate their request to receive the debits one by one, or as joint bundles at PaymentInformation level. SEPA can be used.
<BtchBookg>true</BtchBookg >
Payment Type Information
<PmtTpInf> <SvcLvl> <Cd>SEPA</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt>2009-0824</ReqdExctnDt> <OrgId> <Othr> <Id>0987654321</Id> </Othr> </OrgId> <IBAN>FI8529501800030574</IB AN> <InstrId>20090821I000012</InstrId>
24.8.2009 987654321
FI8529501800030574
only IBAN is allowed

20090821-I000012 Payers unique
Instruction ID
End-to-end ID
Amount
<Amt> <InstdAmt Ccy="EUR">81.10</InstdAmt> </Amt> <CdtrAcct> <Id> <IBAN>FI39800017100057 87</IBAN> </Id> </CdtrAcct>
identification, which is used between the payer and payers bank. The identification is returned to the payer only. 20090821-E000002 Unique identification assigned by the payer to unambiguously identify the transaction. This identification will be returned to the payer and passed on to the beneficiary. 81,10
FI39800017100057 87
Page 101 of 121
Appendix to CustomerCreditTransfer Initiation Message Item Creditor name and address <XML tag> /Element
<Cdtr> <Nm>VEROHALLINTO</Nm> <PstlAdr> <Ctry>FI</Ctry> <AdrLine>Linnankatu 22</AdrLine> <AdrLine>20100 Turku </AdrLine> </PstlAdr> </Cdtr> <RmtInf> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>0000000000000000 1245</Ref> </CdtrRefInf> <AddtlRmtInf>21=1110510507/30=05070607/</AddtlRmtInf> </Strd> </RmtInf>
NORDIC MIG
Code / Value Verohallinto Linnankatu 22 20100 Turku
Remittance Information Structured and additional Remittance information
Reference: 1245 and additional information 21=1110510507/30=0507-0607/
Example: <?xml version="1.0" encoding="UTF-8"?> <Document xsi:schemaLocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 pain.001.001.03.xsd" xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>20090821-0000001</MsgId> <CreDtTm>2009-08-21T10:30:00</CreDtTm> <NbOfTxs>1</NbOfTxs> <CtrlSum>81.10</CtrlSum> <InitgPty> <Nm>Group Finance</Nm> <PstlAdr> <Ctry>FI</Ctry> <AdrLine>Aleksanterinkatu 23</AdrLine> <AdrLine>FI-00100 Helsinki</AdrLine> </PstlAdr> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>20090821-123456-02</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>true</BtchBookg> <PmtTpInf> <SvcLvl> <Cd>SEPA</Cd> </SvcLvl>
Page 102 of 121
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</PmtTpInf> <ReqdExctnDt>2009-08-24</ReqdExctnDt> <Dbtr> <Nm>Oy Company Ab </Nm> <PstlAdr> <Ctry>FI</Ctry> <AdrLine>Mannerheimintie 66</AdrLine> <AdrLine>FI-00260 Helsinki</AdrLine> </PstlAdr> <Id> <OrgId> <Othr> <Id>0987654321</Id> </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <IBAN>FI8529501800030574</IBAN> </Id> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>NDEAFIHH</BIC> </FinInstnId> </DbtrAgt> <ChrgBr>SLEV</ChrgBr> <CdtTrfTxInf> <PmtId> <InstrId>20090821-I000012</InstrId> <EndToEndId>20090821-E000002</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="EUR">81.10</InstdAmt> </Amt> <CdtrAgt> <FinInstnId> <BIC>BANKFIHH</BIC> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>VEROHALLINTO</Nm> <PstlAdr> <Ctry>FI</Ctry> <AdrLine>Linnankatu 22</AdrLine> <AdrLine>20100 Turku</AdrLine> </PstlAdr> </Cdtr> <CdtrAcct> <Id> <IBAN>FI3980001710005787</IBAN>
Page 103 of 121
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</Id> </CdtrAcct> <RmtInf> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>00000000000000001245</Ref> </CdtrRefInf> <AddtlRmtInf>21=111051-0507/30=0507-0607/</AddtlRmtInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>
Page 104 of 121
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5.4
Finland, Salary And Pension Payment
Business Function: Payment of salary or pension. Requested Execution Date is the date when the payment is debited.
Message Item Payment Information Identification Payment Method Batch Booking
<XML tag> /Element

<PmtInfId>20090821-12345601</PmtInfId> <PmtMtd>TRF</PmtMtd>
Code / Value
20090821-123456-01
<BtchBookg>true</BtchBookg>
Category Purpose
<CtgyPurp> <Cd>SALA</Cd> </CtgyPurp>
TRF The Payer may indicate their request to receive the debits one by one, or as joint bundles at PaymentInformation level. The SALA code is used for indicating salary and pension payments. The code tells the payers bank that this is a salary/pension payment order. For transactions with the SALA code, only a combined debit is made on the payers account statement. 24.8.2009 In the Payment Information part, one should use the Date of Debit in element Requested Execution Date. This Date of Debit should be one Banking Day prior to Payment Date. Note! If Salary Date is not a Banking Day, then Salary should be credited to the Beneficiary on the previous Banking Day and therefore in those instances the Date of Debit should be two Banking Days prior to the Salary Date.
Requested Execution Date
<ReqdExctnDt>2009-0824</ReqdExctnDt>
Page 105 of 121
Appendix to CustomerCreditTransfer Initiation Message Item Debtors Organization Identification <XML tag> /Element
<Id> <OrgId> <Othr> <Id>0987654321</Id> </Othr> </OrgId> </Id> <DbtrAcct> <Id> <IBAN>FI8529501800030 574</IBAN> </Id> </DbtrAcct> <InstrId>20090821-I000010</InstrId>
NORDIC MIG
Code / Value 987654321
FI8529501800030574
only IBAN is allowed
Instruction ID
20090821-I000010 Payers
unique identification, which is used between the payer and payers bank. The identification is returned to the payer only. End-to-end ID
<EndToEndId>20090821E000010</EndToEndId> 20090821-E000010
Amount
<Amt> <InstdAmt Ccy="EUR">2010.10 </InstdAmt> </Amt> <IBAN>FI6329501800020582</IBAN>
Unique identification assigned by the payer to unambiguously identify the transaction. This identification will be returned to the payer and passed on to the beneficiary. 2010,10
FI6329501800020582
<Cdtr> <Nm>Simo Saaja</Nm> <PstlAdr> <Ctry>FI</Ctry> <AdrLine>Aleksis Kiven katu 35</AdrLine> <AdrLine>00500 Helsinki</AdrLine> </PstlAdr> <Purp> <Cd>PENS</Cd> </Purp> <RmtInf> <Ustrd>PALKKA, 31.08.2009, Elokuu 2009</Ustrd> </RmtInf>
Simo Saaja Aleksis Kiven katu 35 00500 Helsinki
Purpose
PENS
Remittance Information Unstructured
Optional information on beneficiary's own language
Page 106 of 121
Appendix to CustomerCreditTransfer Initiation Message Item Ultimate Creditor <XML tag> /Element
<UltmtCdtr> <Nm>Eemeli Edunsaaja</Nm> <Id> <PrvtId> <SclSctyNb>010203-123X </Sc lSctyNb> </PrvtId> </Id> </UltmtCdtr>
NORDIC MIG
Code / Value If the salary is paid to a trustee or the Execution Office the Creditor information is given in a Creditor -field and beneficiary information is given in an Ultimate Creditor field.
Example: <?xml version="1.0" encoding="UTF-8"?> <Document xsi:schemaLocation="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 pain.001.001.03.xsd" xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>20090821-0000002</MsgId> <CreDtTm>2009-08-21T10:30:00</CreDtTm> <NbOfTxs>1</NbOfTxs> <CtrlSum>2010.10</CtrlSum> <InitgPty> <Nm>Group Finance</Nm> <PstlAdr> <Ctry>FI</Ctry> <AdrLine>Aleksanterinkatu 23</AdrLine> <AdrLine>FI-00100 Helsinki</AdrLine> </PstlAdr> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>20090821-123456-01</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>true</BtchBookg> <PmtTpInf> <CtgyPurp> <Cd>SALA</Cd> </CtgyPurp> </PmtTpInf> <ReqdExctnDt>2009-08-24</ReqdExctnDt> <Dbtr> <Nm>Oy Company Ab </Nm> <PstlAdr> <Ctry>FI</Ctry> <AdrLine>Mannerheimintie 66</AdrLine> <AdrLine>FI-00260 Helsinki</AdrLine> </PstlAdr> <Id> <OrgId> <Othr> <Id>0987654321</Id>
Page 107 of 121
NORDIC MIG
</Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <IBAN>FI8529501800030574</IBAN> </Id> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>NDEAFIHH</BIC> </FinInstnId> </DbtrAgt> <ChrgBr>SLEV</ChrgBr> <CdtTrfTxInf> <PmtId> <InstrId>20090821-I000010</InstrId> <EndToEndId>20090821-E000010</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy="EUR">2010.10</InstdAmt> </Amt> <CdtrAgt> <FinInstnId> <BIC>BANKFIHH</BIC> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>Simo Saaja</Nm> <PstlAdr> <Ctry>FI</Ctry> <AdrLine>Aleksis Kiven katu 35</AdrLine> <AdrLine>00500 Helsinki</AdrLine> </PstlAdr> <Id> <PrvtId> <Othr> <Id>112233-0000</Id> </Othr> </PrvtId> </Id> </Cdtr> <CdtrAcct> <Id> <IBAN>FI6329501800020582</IBAN> </Id> </CdtrAcct> <RmtInf> <Ustrd>PALKKA, 31.08.2009, Elokuu 2009</Ustrd> </RmtInf> </CdtTrfTxInf>
Page 108 of 121
NORDIC MIG
</PmtInf> </CstmrCdtTrfInitn> </Document>
Page 109 of 121
NORDIC MIG
6. CROSS BORDER PAYMENT ALL NORDIC COUNTRIES 6.1 All, Cross Border SEPA Payment
Business Function: Cross Border SEPA payment sent from the debitor SPEED Model Racing Team Aps. In Denmark to the creditor IFMAR in Sweden.
Data Element Payment Information Identification Payment Method Batch Booking Payment Type Information Element <PmtInfId>DEBENTID-123456_sepa</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <SvcLvl> <Cd>SEPA</Cd> </SvcLvl> </PmtTpInf> <CtgyPurp> <ReqdExctnDt>2008-12-18</ReqdExctnDt> <Dbtr> <Nm>SPEED Model Racing Team Aps.</Nm> <Id> <OrgId> <Othr> <Id>798000019034</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Danske Bank Denmark DABADKKK</Issr> </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <IBAN>DK8003450003179681</IBAN> </Id> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </DbtrAgt> <ChrgBr>SLEV</ChrgBr> <PmtId> <InstrId>INSTRID-IFMAR-2009</InstrId> <EndToEndId>ENDTOENDID123456_sepa</EndToEndId> </PmtId> Amt> <InstdAmt Ccy = "EUR">190.00</InstdAmt> </Amt> Code / Value DEBENTID123456_sepa TRF false SEPA
Category Purpose Requested Execution Date Debtors Organization Identification
2008-12-18
SPEED Model Racing Team Aps. Id: 798000019034 Issued by DABADKKK
Debtor Account
DK8003450003179681
DABADKKK
Charge Bearer Instruction ID End-to-end ID
SLEV INSTRID-IFMAR-2009 ENDTOENDID123456_sepa
Amount
"EUR">190.00
Page 110 of 121

Data Element Creditor Agent Element <CdtrAgt> <FinInstnId> <BIC>HANDSESS</BIC> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>IFMAR</Nm> <PstlAdr> <Ctry>SE</Ctry> <AdrLine>Urbangatan 109</AdrLine> <AdrLine>S-605 98 Norrkoping Sweden</AdrLine> </PstlAdr> </Cdtr> <CdtrAcct> <Id> <IBAN>SE4860000000000043109969</IBAN> </Id> </CdtrAcct> <RmtInf> <Ustrd>Fee for INTERNATIONAL FEDERATION OF MODEL AUTO RACING World Championship in Sweden in July 2009</Ustrd> </RmtInf>
NORDIC MIG
Code / Value HANDSESS
IFMAR Urbangatan 109 S-605 98 Norrkoping Sweden SE
SE48600000000000431 09969
Fee for INTERNATIONAL FEDERATION OF MODEL AUTO RACING World Championship in Sweden in July 2009
Page 111 of 121
NORDIC MIG
Example in XML: Structured Details of Payment <?xml version = "1.0" encoding = "UTF-8"?>  <Document xmlns = "urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi = "http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation = "urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 file:///C:/Users/Morten.BSK/BSK/Arbeid/Oppgaver%20%26%20Prosjekter/Nordic%20ISO20 022%20Messages/Nordic%20C2B%20Customer%20Credit%20Transfer/2009OppdatertApp endix/Nordic_CCT_Mig_pain001_001_003.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID-123456_sepa</MsgId> <CreDtTm>2008-12-17T09:30:47+01:00</CreDtTm> <NbOfTxs>1</NbOfTxs> <InitgPty> <Nm>SPEED Model Racing Team Aps.</Nm> <Id> <OrgId> <Othr> <Id>798000019034</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </OrgId> </Id> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID-123456_sepa</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <SvcLvl> <Cd>SEPA</Cd> </SvcLvl> </PmtTpInf> <ReqdExctnDt>2008-12-18</ReqdExctnDt> <Dbtr> <Nm>SPEED Model Racing Team Aps.</Nm> <Id> <OrgId> <Othr> <Id>798000019034</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr>
Page 112 of 121
NORDIC MIG
</Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <IBAN>DK8003450003179681</IBAN> </Id> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </DbtrAgt> <ChrgBr>SLEV</ChrgBr> <CdtTrfTxInf> <PmtId> <InstrId>INSTRID-IFMAR-2009</InstrId> <EndToEndId>ENDTOENDID-123456_sepa</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy = "EUR">190.00</InstdAmt> </Amt> <CdtrAgt> <FinInstnId> <BIC>HANDSESS</BIC> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>IFMAR</Nm> <PstlAdr> <Ctry>SE</Ctry> <AdrLine>Urbangatan 109</AdrLine> <AdrLine>S-605 98 Norrkoping Sweden</AdrLine> </PstlAdr> </Cdtr> <CdtrAcct> <Id> <IBAN>SE4860000000000043109969</IBAN> </Id> </CdtrAcct> <RmtInf> <Ustrd>Fee for INTERNATIONAL FEDERATION OF MODEL AUTO RACING World Championship in Sweden in July 2009</Ustrd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>
Page 113 of 121
NORDIC MIG
6.2
All, Cross Border non-SEPA Payment
Business Function: Cross Border non-SEPA payment sent from the debitor Debtor Company Plc in Finland to the creditor Creditor Company in Denmark.
Data Element Payment Information Identification Payment Method Batch Booking Payment Type Information Category Purpose Element <PmtInfId> DEBENTID-1234567891002</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <InstrPrty>NORM</InstrPrty> <CtgyPurp> <Cd>SUPP</Cd> </CtgyPurp> <ReqdExctnDt>2008-12-18</ReqdExctnDt> <Dbtr> <Nm>Debtor Company Plc</Nm> <PstlAdr> <Ctry>FI</Ctry> <AdrLine>Mannerheimintie 123</AdrLine> <AdrLine>FI-00100 Helsinki</AdrLine> </PstlAdr> <Id> <OrgId> <Othr> <Id>0987654321</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Nordea Finland NDEAFIHH</Issr> </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <IBAN>FI8529501800020574</IBAN> </Id> <Ccy>EUR</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>NDEAFIHH</BIC> </FinInstnId> </DbtrAgt> <ChrgBr> Code / Value DEBENTID1234567891002 TRF false NORM
SUPP
2008-12-18
Debtor Company Plc Mannerheimintie 123 FI-00100 Helsinki FI Id: 0987654321 Issued by Nordea Finland - NDEAFIHH
Debtor Account
FI8529501800020574 EUR
NDEAFIHH
Charge Bearer
Page 114 of 121

Data Element Instruction ID End-to-end ID Element <PmtId> <InstrId>INSTRID-FiFi0102</InstrId> <EndToEndId>ENDTOENDIDFiFi0102</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy = "EUR">5000.00</InstdAmt> </Amt> Charge Bearer Creditor Agent <ChrgBr>DEBT</ChrgBr> <CdtrAgt> <FinInstnId> <BIC>NDEADKKK</BIC> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>Creditor Company</Nm> <PstlAdr> <Ctry>DK</Ctry> <AdrLine>Bredgade 123</AdrLine> <AdrLine>1256 Copenhagen K</AdrLine> </PstlAdr> <CtryOfRes>DK</CtryOfRes> </Cdtr> <CdtrAcct> <Id> <IBAN>DK8003450003179681</IBAN> </Id> </CdtrAcct> <RmtInf> <Ustrd>Invoices 5123 and 3521</Ustrd> </RmtInf>
NORDIC MIG
Code / Value INSTRID-FiFi0102 ENDTOENDID-FiFi0102
Amount
"EUR">5000.00
DEBT NDEADKKK
Creditor Company Bredgade 123 1256 Copenhagen K DK
DK8003450003179681
Invoices 5123 and 3521
Example in XML: <?xml version = "1.0" encoding = "UTF-8"?>  <Document xmlns = "urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi = "http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation = "urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 file:///C:/Users/Morten.BSK/BSK/Arbeid/Oppgaver%20%26%20Prosjekter/Nordic%20ISO20 022%20Messages/Nordic%20C2B%20Customer%20Credit%20Transfer/2009OppdatertApp endix/Nordic_CCT_Mig_pain001_001_003.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID-FiFi00102</MsgId> <CreDtTm>2008-12-17T09:30:47+01:00</CreDtTm>
Page 115 of 121
NORDIC MIG
<Authstn> <Prtry>AWEERDfas3342312aSDSD</Prtry> </Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> <Nm>Group Finance</Nm> <PstlAdr> <Ctry>FI</Ctry> <AdrLine>Aleksanterinkatu 123</AdrLine> <AdrLine>FI-00100 Helsinki</AdrLine> </PstlAdr> <Id> <OrgId> <Othr> <Id>1234567890</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Nordea Finland - NDEAFIHH</Issr> </Othr> </OrgId> </Id> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID-1234567891002</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <InstrPrty>NORM</InstrPrty> <CtgyPurp> <Cd>SUPP</Cd> </CtgyPurp> </PmtTpInf> <ReqdExctnDt>2008-12-18</ReqdExctnDt> <Dbtr> <Nm>Debtor Company Plc</Nm> <PstlAdr> <Ctry>FI</Ctry> <AdrLine>Mannerheimintie 123</AdrLine> <AdrLine>FI-00100 Helsinki</AdrLine> </PstlAdr> <Id> <OrgId> <Othr> <Id>0987654321</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Nordea Finland - NDEAFIHH</Issr> </Othr> </OrgId>
Page 116 of 121
NORDIC MIG
</Id> </Dbtr> <DbtrAcct> <Id> <IBAN>FI8529501800020574</IBAN> </Id> <Ccy>EUR</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>NDEAFIHH</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>INSTRID-FiFi0102</InstrId> <EndToEndId>ENDTOENDID-FiFi0102</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy = "EUR">5000.00</InstdAmt> </Amt> <ChrgBr>DEBT</ChrgBr> <CdtrAgt> <FinInstnId> <BIC>NDEADKKK</BIC> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>Creditor Company</Nm> <PstlAdr> <Ctry>DK</Ctry> <AdrLine>Bredgade 123</AdrLine> <AdrLine>1256 Copenhagen K</AdrLine> </PstlAdr> <CtryOfRes>DK</CtryOfRes> </Cdtr> <CdtrAcct> <Id> <IBAN>DK8003450003179681</IBAN> </Id> </CdtrAcct> <RmtInf> <Ustrd>Invoices 5123 and 3521</Ustrd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>
Page 117 of 121
NORDIC MIG
6.3
All, Cross Border Urgent Payment
Business Function: Cross Border Urgent Payment sent from the debitor Debtor Company Plc in Finland to the creditor Creditor Company in Denmark.
Data Element Payment Information Identification Payment Method Batch Booking Payment Type Information Element <PmtInfId> DEBENTID-1234567891002</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <InstrPrty>NORM</InstrPrty> <SvcLvl> <Cd>URGP</Cd> </SvcLvl> <CtgyPurp> <Cd>SUPP</Cd> </CtgyPurp> <ReqdExctnDt>2008-12-18</ReqdExctnDt> <Dbtr> <Nm>Debtor Company Plc</Nm> <PstlAdr> <Ctry>FI</Ctry> <AdrLine>Mannerheimintie 123</AdrLine> <AdrLine>FI-00100 Helsinki</AdrLine> </PstlAdr> <Id> <OrgId> <Othr> <Id>0987654321</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Nordea Finland NDEAFIHH</Issr> </Othr> </OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <IBAN>FI8529501800020574</IBAN> </Id> <Ccy>EUR</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>NDEAFIHH</BIC> </FinInstnId> </DbtrAgt> <ChrgBr> Code / Value DEBENTID1234567891002 TRF false NORM URGP
Category Purpose
SUPP
2008-12-18
Debtor Company Plc Mannerheimintie 123 FI-00100 Helsinki FI Id: 0987654321 Issued by Nordea Finland - NDEAFIHH
Debtor Account
FI8529501800020574 EUR
NDEAFIHH
Charge Bearer
Page 118 of 121

Data Element Instruction ID End-to-end ID Element <PmtId> <InstrId>INSTRID-FiFi0102</InstrId> <EndToEndId>ENDTOENDIDFiFi0102</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy = "EUR">5000.00</InstdAmt> </Amt> Charge Bearer Creditor Agent <ChrgBr>DEBT</ChrgBr> <CdtrAgt> <FinInstnId> <BIC>NDEADKKK</BIC> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>Creditor Company</Nm> <PstlAdr> <Ctry>DK</Ctry> <AdrLine>Bredgade 123</AdrLine> <AdrLine>1256 Copenhagen K</AdrLine> </PstlAdr> <CtryOfRes>DK</CtryOfRes> </Cdtr> <CdtrAcct> <Id> <IBAN>DK8003450003179681</IBAN> </Id> </CdtrAcct> <RmtInf> <Ustrd>Invoices 5123 and 3521</Ustrd> </RmtInf>
NORDIC MIG
Code / Value INSTRID-FiFi0102 ENDTOENDID-FiFi0102
Amount
"EUR">5000.00
DEBT NDEADKKK
Creditor Company Bredgade 123 1256 Copenhagen K DK
DK8003450003179681
Invoices 5123 and 3521
Example in XML: <?xml version = "1.0" encoding = "UTF-8"?>  <Document xmlns = "urn:iso:std:iso:20022:tech:xsd:pain.001.001.03" xmlns:xsi = "http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation = "urn:iso:std:iso:20022:tech:xsd:pain.001.001.03 file:///C:/Users/Morten.BSK/BSK/Arbeid/Oppgaver%20%26%20Prosjekter/Nordic%20ISO20 022%20Messages/Nordic%20C2B%20Customer%20Credit%20Transfer/2009OppdatertApp endix/Nordic_CCT_Mig_pain001_001_003.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID-FiFi00102</MsgId> <CreDtTm>2008-12-17T09:30:47+01:00</CreDtTm> <Authstn> <Prtry>AWEERDfas3342312aSDSD</Prtry>
Page 119 of 121
NORDIC MIG
</Authstn> <NbOfTxs>1</NbOfTxs> <InitgPty> <Nm>Group Finance</Nm> <PstlAdr> <Ctry>FI</Ctry> <AdrLine>Aleksanterinkatu 123</AdrLine> <AdrLine>FI-00100 Helsinki</AdrLine> </PstlAdr> <Id> <OrgId> <Othr> <Id>1234567890</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Nordea Finland - NDEAFIHH</Issr> </Othr> </OrgId> </Id> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>DEBENTID-1234567891002</PmtInfId> <PmtMtd>TRF</PmtMtd> <BtchBookg>false</BtchBookg> <PmtTpInf> <InstrPrty>NORM</InstrPrty> <SvcLvl> <Cd>URGP</Cd> </SvcLvl> <CtgyPurp> <Cd>SUPP</Cd> </CtgyPurp> </PmtTpInf> <ReqdExctnDt>2008-12-18</ReqdExctnDt> <Dbtr> <Nm>Debtor Company Plc</Nm> <PstlAdr> <Ctry>FI</Ctry> <AdrLine>Mannerheimintie 123</AdrLine> <AdrLine>FI-00100 Helsinki</AdrLine> </PstlAdr> <Id> <OrgId> <Othr> <Id>0987654321</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Nordea Finland - NDEAFIHH</Issr> </Othr>
Page 120 of 121
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</OrgId> </Id> </Dbtr> <DbtrAcct> <Id> <IBAN>FI8529501800020574</IBAN> </Id> <Ccy>EUR</Ccy> </DbtrAcct> <DbtrAgt> <FinInstnId> <BIC>NDEAFIHH</BIC> </FinInstnId> </DbtrAgt> <CdtTrfTxInf> <PmtId> <InstrId>INSTRID-FiFi0102</InstrId> <EndToEndId>ENDTOENDID-FiFi0102</EndToEndId> </PmtId> <Amt> <InstdAmt Ccy = "EUR">5000.00</InstdAmt> </Amt> <ChrgBr>DEBT</ChrgBr> <CdtrAgt> <FinInstnId> <BIC>NDEADKKK</BIC> </FinInstnId> </CdtrAgt> <Cdtr> <Nm>Creditor Company</Nm> <PstlAdr> <Ctry>DK</Ctry> <AdrLine>Bredgade 123</AdrLine> <AdrLine>1256 Copenhagen K</AdrLine> </PstlAdr> <CtryOfRes>DK</CtryOfRes> </Cdtr> <CdtrAcct> <Id> <IBAN>DK8003450003179681</IBAN> </Id> </CdtrAcct> <RmtInf> <Ustrd>Invoices 5123 and 3521</Ustrd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>
Page 121 of 121

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Appendix to CustomerCreditTransfer Initiation

Nordic CustomerCreditTransfer Initiation MIG

September 15th 2009

Appendix to CustomerCreditTransfer Initiation

Appendix to CustomerCreditTransfer Initiation

Appendix to CustomerCreditTransfer Initiation

Creditor Account Number Remittance Information Structured and/or Unstructured

<RmtInf> <Strd> <RmtInf> <Ustrd>

Structured invoice payment type Unstructured details of payment

Example: One or two examples follows here.

Appendix to CustomerCreditTransfer Initiation

2. SWEDISH EXAMPLES 2.1 Sweden, Giro Payments

Code / Value 2009-04-07

Payment Factory Outlet 5566775511 BANK

Debit Account Number (identifying the debtors bankgiro number)

Code / Value 55551011122 BBAN

987654321 SEK 5000 SESBA 9900

OR Creditor Account Number (Plusgiro number)

Code / Value EDI SURPLUS

Appendix to CustomerCreditTransfer Initiation

</FinInstnId> </CdtrAgt> <Cdtr> <Nm>EDI SURPLUS</Nm> </Cdtr> <CdtrAcct> <Id>

Appendix to CustomerCreditTransfer Initiation

Appendix to CustomerCreditTransfer Initiation

Sweden, OCR Payments

Code / Value 2009-04-07 TRF

Payment Factory Outlet 5566775511 BANK

Debit Account Number (identifying the debtors bankgiro number)

Code / Value ESSESESS

987654321 SEK 5000 SESBA 9900

Creditor Account Number (Bankgiro number)

OR Creditor Account Number (Plusgiro number)

SEK 5000 SCOR 12345678901234567890123 45

Appendix to CustomerCreditTransfer Initiation

Appendix to CustomerCreditTransfer Initiation

Appendix to CustomerCreditTransfer Initiation

</Tp> <Ref>1234567890123456789012345</Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>

Appendix to CustomerCreditTransfer Initiation

Sweden, Money Order

Code / Value 2009-04-07

Payment Factory Outlet 5566775511 BANK

Debit Account Number (identifying the debtors bankgiro number)

Creditor name and address

Remittance Information Structured

CINV 654654 SEK 5000

Appendix to CustomerCreditTransfer Initiation

Appendix to CustomerCreditTransfer Initiation

Appendix to CustomerCreditTransfer Initiation

Sweden, Direct Credits with advice

Payment Factory Outlet 5566775511 BANK

Debit Account Number (identifying the debtors bankgiro number)

Code / Value ESSESESS

End-to-end ID Amount Creditor Agent

987654321 SEK 5000 SESBA 5000

Creditor Account Number

Remittance Information Structured

CINV 654654 SEK 5000

Appendix to CustomerCreditTransfer Initiation

Appendix to CustomerCreditTransfer Initiation

Appendix to CustomerCreditTransfer Initiation

Appendix to CustomerCreditTransfer Initiation

Sweden, Direct Credits without advice

<XML tag> / Element

Code / Value 2009-04-07 TRF