Nordic XML 2009

Appendix to CustomerCreditTransfer Initiation NORDIC MIG

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Appendix to

Nordic CustomerCreditTransfer Initiation MIG Version 1.06 September 15th 2009


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Table of Contents

1. INTRODUCTION 3

2. SWEDISH EXAMPLES 5

2.1 Sweden, Giro Payments 5

2.2 Sweden, OCR Payments 10

2.3 Sweden, Money Order 15

2.4 Sweden, Direct Credits with advice 19

2.5 Sweden, Direct Credits without advice 24

3. NORWEGIAN EXAMPLES 28

3.1 Norway, KID Payments (OCR) 28

3.2 Norway, Several KID Payments (OCR) in Batch 32

3.3 Norway, Direct Credit with advice 37

3.4 Norway, Direct Credit without advice 41

3.5 Norway, Money Order 44

3.6 Norway, Payroll or Pension 47

3.7 Norway, Intra Company 50

4. DANISH EXAMPLES 53

4.1 Denmark, Direct Credit With Prompt Advice (UDUS 355 Transfer) 53

4.2 Denmark, Direct Credit With Advice On Statement (UDUS 356 Transfer) 58

4.3 Denmark, Payment Slip With Advice (Giro Payment Slip - Gik 01) 64

4.4 Denmark, Payment Slip (OCR) (Giro Payment Slip - Gik 04) 68

4.5 Denmark, Payment Slip (OCR) (Giro Payment Slip - Gik 15) 72

4.6 Denmark, Payment Slip (OCR) (Payment Slip - Fik 71) 77



4.10 Denmark, Domestic Cheque 89

5. FINNISH EXAMPLES 93

5.1 Finland, Normal Payment With Message 93

5.2 Finland, Normal Payment With Reference 97

5.3 Finland, Tax Payment 101

5.4 Finland, Salary And Pension Payment 105

6. CROSS BORDER PAYMENT – ALL NORDIC COUNTRIES 110

6.1 All, Cross Border SEPA Payment 110

6.2 All, Cross Border non-SEPA Payment 114

6.3 All, Cross Border Urgent Payment 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 Element Code / Value Payment Information Identification

<PmtInfId>

Payment Method <PmtMtd> Batch Booking <BtchBookg> Category Purpose <CtgyPurp> Requested Execution Date

<ReqdExctnDt>

Debtor’s Organization Identification

<Dbtr> <Id> <OrgId>

Debtor Account <DbtrAcct> Debtor Agent Identification <DbtrAgt>

Instruction ID <PmtId><InstrId> End-to-end ID <PmtId><EndToEndId> Amount <Amt> Creditor name and address

<Cdtr> <Nm> <PslAdr> <StrtNm> <PstCd> <TwnNm> <Ctry>

Creditor Account Number <CdtrAcct>

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

<XML tag> / Element Code / Value

Requested Execution Date

<ReqdExctnDt>2009-04-07</ReqdExctnDt> 2009-04-07

Payment method by First Agent

<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>

Payment Factory Outlet 5566775511 BANK

Debit Account Number (identifying the debtors bankgiro number)

<DbtrAcct> <Id> <Othr> <Id>12334567</Id> <SchmeNm> <Prtry>BGNR</Prtry> </SchmeNm> </Othr> </Id> </DbtrAcct>

12334567 BGNR

OR


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Data Element


Debit Account Number (identifying the debtors Plusgiro account or a bank account number connected to a single bankgiro number)

<DbtrAcct> <Id> <Othr> <Id>55551011122</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </DbtrAcct>

55551011122 BBAN

Debtor Agent <DbtrAgt>

<FinInstnId>

<BIC>ESSESESS</BIC>

</FinInstnId>

</DbtrAgt>

ESSESESS

End-to-end ID

<EndToEndId>987654321</EndToEndId> 987654321

Amount <InstdAmt Ccy="SEK">5000</InstdAmt> SEK 5000

Creditor Agent (Swedish Clearing number Bankgiro = 9900 Plusgiro = 9960)

<CdtrAgt>

<FinInstnId> <ClrSysMmbId> <ClrSysId>

<Cd>SESBA</Cd>

</ClrSysId> <MmbId>9900</MmbId>

</ClrSysMmbId> </FinInstnId>

</CdtrAgt>

SESBA 9900

Creditor Account Number (Bankgiro number)

<CdtrAcct>

<Id> <Othr> <Id>12334567</Id> <SchmeNm> <Prtry>BGNR</Prtry> </SchmeNm> </Othr> </Id>

</CdtrAcct>

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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Data Element


Creditor name

<Cdtr>

<Nm>EDI SURPLUS</Nm>

</Cdtr>

EDI SURPLUS

Remittance Information Structured (Reference number/Invoice number (RfrdDocNb) Bankgiro Max 25 Text Plusgiro Max 27 Text)

<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>

<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>



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<Id>

<OrgId> <Othr>


</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>


</ClrSysMmbId>

</FinInstnId>

</CdtrAgt>

<Cdtr>


</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>


</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. Data Element <XML tag> / Element Code / Value Requested Execution Date





<Dbtr>


<Id>

<OrgId>

<Othr>

<Id>5566775511</Id> <SchmeNm>


</Othr>

</OrgId>

</Id>

</Dbtr>




12334567 BGNR

OR



55551011122 BBAN


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Data Element <XML tag> / Element Code / Value Debtor Agent <DbtrAgt>

<FinInstnId>

<BIC>ESSESESS</BIC>

</FinInstnId>

</DbtrAgt>

ESSESESS

End-to-end ID <EndToEndId>987654321</EndToEndId> 987654321


Creditor Agent (Swedish Clearing number Bankgiro = 9900 Plusgiro = 9960)

<CdtrAgt>

<FinInstnId> <ClrSysMmbId> <ClrSysId>

<Cd>SESBA</Cd>



</CdtrAgt>

SESBA 9900

Creditor Account Number (Bankgiro number)

<CdtrAcct>

<Id> <Othr> <Id>12334567</Id> <SchmeNm> <Prtry>BGNR</Prtry> </SchmeNm> </Othr> </Id>

</CdtrAcct>

12334567

BGNR

OR

Creditor Account Number (Plusgiro number)

<CdtrAcct>

<Id> <Othr> <Id>55551011122</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </CdtrAcct>

55551011122 BBAN

Creditor name

<Cdtr>


</Cdtr>

EDI SURPLUS

Remittance Information Structured Reference number/Invoice number (RfrdDocNb) Bankgiro Max 25 Text Plusgiro Max 27 Text

<RmtInf>

<Strd>

<RfrdDocAmt>


</RfrdDocAmt>

<CdtrRefInf>

<Tp> <CdOrPrtry>

<Cd>SCOR</Cd>

</CdOrPrtry> </Tp>

<Ref>1234567890123456789012345</Ref> </CdtrRefInf>

</Strd>

</RmtInf>

SEK 5000 SCOR 1234567890123456789012345


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Example in XML



<MsgId>20090822123</MsgId>



<InitgPty>

<Id>

<OrgId> <Othr>


</Othr>

</OrgId>

</Id>

</InitgPty>

</GrpHdr>

<PmtInf>




<Dbtr>


<Id>

<OrgId>

<Othr>


</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>


</PmtId>

<Amt>


</Amt>

<CdtrAgt>

<FinInstnId>

<ClrSysMmbId>

<ClrSysId>

<Cd>SESBA</Cd>


</ClrSysMmbId>

</FinInstnId>

</CdtrAgt>

<Cdtr>


</Cdtr>

<CdtrAcct>

<Id>

<Othr>

<Id>87654321</Id>

<SchmeNm>

<Prtry>BGNR</Prtry>

</SchmeNm>

</Othr> </Id>

</CdtrAcct>

<RmtInf>

<Strd>

<RfrdDocAmt>


</RfrdDocAmt>

<CdtrRefInf>

<Tp> <CdOrPrtry>

<Cd>SCOR</Cd>

</CdOrPrtry>


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</Tp>

<Ref>1234567890123456789012345</Ref>

</CdtrRefInf>

</Strd>

</RmtInf>

</CdtTrfTxInf>

</PmtInf>



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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. Data Element <XML tag> / Element Code / Value Requested Execution Date



<PmtMtd>CHK</PmtMtd> CHK


<Dbtr>


<Id>

<OrgId>

<Othr>

<Id>5566775511</Id> <SchmeNm>


</Othr>

</OrgId>

</Id>

</Dbtr>




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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<FinInstnId>

<BIC>ESSESESS</BIC>

</FinInstnId>

</DbtrAgt>

ESSESESS

End-to-end ID <EndToEndId>987654321</EndToEndId> 987654321 Amount <Amt>


</Amt>

SEK 5000

Creditor name and address

<Cdtr>


<PstlAdr>

<AdrTp>ADDR</AdrTp>

<StrtNm>NACKAGATAN 14</StrtNm>

<PstCd>11647</PstCd>

<TwnNm>STOCKHOLM</TwnNm>

<Ctry>SE</Ctry>

</PstlAdr>

</Cdtr>

EDI SURPLUS ADDR NACKAGATAN 14 11647 STOCKHOLM SE

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



<MsgId>20090822123</MsgId>



<InitgPty>


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<Id>

<OrgId> <Othr>


</Othr>

</OrgId>

</Id>

</InitgPty>

</GrpHdr>

<PmtInf>


<PmtMtd>CHK</PmtMtd>


<Dbtr>


<Id>

<OrgId> <Othr>


</Othr>

</OrgId>

</Id>

</Dbtr>

<DbtrAcct>

<Id>

<Othr>

<Id>12334567</Id>


</DbtrAcct>

<DbtrAgt>

<FinInstnId>

<BIC>ESSESESS</BIC>

</FinInstnId>

</DbtrAgt>

<CdtTrfTxInf>

<PmtId>


</PmtId>


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<Amt>


</Amt>

<Cdtr>


<PstlAdr>

<AdrTp>ADDR</AdrTp>




<Ctry>SE</Ctry>

</PstlAdr>

</Cdtr>

<RmtInf>

<Strd>

<RfrdDocInf>

<Tp> <CdOrPrtry>

<Cd>CINV</Cd>

</CdOrPrtry> </Tp>

<Nb>654654</Nb>

</RfrdDocInf>

<RfrdDocAmt>


</RfrdDocAmt>

</Strd>

</RmtInf>

</CdtTrfTxInf>

</PmtInf>



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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. Data Element <XML tag> / Element Code / Value Requested Execution Date





<Dbtr>


<Id>

<OrgId>

<Othr>

<Id>5566775511</Id> <SchmeNm>


</Othr>

</OrgId>

</Id>

</Dbtr>



<DbtrAcct>

<Id>

<Othr>

<Id>12334567</Id>

<SchmeNm > <Prtry>BGNR</Prtry> </SchmeNm >

</Othr> </Id>

</DbtrAcct>

12334567 BGNR

OR


<DbtrAcct>

<Id>

<Othr>

<Id>55551011122</Id>

<SchmeNm > <Cd>BBAN</Cd> </SchmeNm > </Othr>

</Id>

</DbtrAcct>

55551011122 BBAN


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<FinInstnId>

<BIC>ESSESESS</BIC>

</FinInstnId>

</DbtrAgt>

ESSESESS

End-to-end ID <EndToEndId>987654321</EndToEndId> 987654321


Creditor Agent <CdtrAgt>

<FinInstnId>

<ClrSysMmbId>

<ClrSysId>

<Cd>SESBA</Cd>



</CdtrAgt>

SESBA 5000

Creditor Account Number

<CdtrAcct>

<Id>

<Othr>

<Id>55991011212</Id>

<SchmeNm>

<Cd>BBAN</Cd >

</SchmeNm>

</Othr> </Id>

</CdtrAcct>

55991011212 BBAN

Creditor name <Cdtr>


</Cdtr>

EDI SURPLUS

Remittance Information Structured (Reference number/Invoice number (RfrdDocNb) Bankgiro Max 25 Text Plusgiro Max 27 Text)

<RmtInf>

<Strd>

<RfrdDocInf>

<Tp> <CdOrPrtry>

<Cd>CINV</Cd>

</CdOrPrtry> </Tp>

<Nb>654654</Nb>

</RfrdDocInf>

<RfrdDocAmt>


</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>



<InitgPty>

<Id>

<OrgId> <Othr>


</Othr>

</OrgId>

</Id>

</InitgPty>

</GrpHdr>

<PmtInf>




<Dbtr>


<Id>

<OrgId> <Othr>


</Othr>

</OrgId>

</Id>

</Dbtr>

<DbtrAcct>

<Id>

<Othr>

<Id>12334567</Id>



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</DbtrAcct>

<DbtrAgt>

<FinInstnId>

<BIC>ESSESESS</BIC>

</FinInstnId>

</DbtrAgt>

<CdtTrfTxInf>

<PmtId>


</PmtId>

<Amt>


</Amt>

<CdtrAgt>

<FinInstnId>

<ClrSysMmbId>

<ClrSysId>

<Cd>SESBA</Cd>


</ClrSysMmbId>

</FinInstnId>

</CdtrAgt>

<Cdtr>


<PstlAdr>

<AdrTp>ADDR</AdrTp>




<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>


</RfrdDocAmt>

</Strd>

</RmtInf>

</CdtTrfTxInf>

</PmtInf>



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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 receiver’s statement of account. Data Element <XML tag> / Element Code / Value






<Dbtr>


<Id>

<OrgId>

<Othr>

<Id>5566775511</Id> <SchmeNm>


</Othr>

</OrgId>

</Id>

</Dbtr>



<DbtrAcct>

<Id>

<Othr>

<Id>12334567</Id>

<SchmeNm > <Prtry>BGNR</Prtry> </SchmeNm > </Othr>

</Id>

</DbtrAcct>

12334567 BGNR

OR Debit Account Number (identifying the debtors Plusgiro account or a bank account number connected to a single bankgiro number)

<DbtrAcct>

<Id>

<Othr>

<Id>55551011122</Id>

<SchmeNm > <Cd>BBAN</Cd> </SchmeNm > </Othr>

</Id>

</DbtrAcct>

55551011122 BBAN


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<FinInstnId>

<BIC>ESSESESS</BIC>

</FinInstnId>

</DbtrAgt>

ESSESESS

End-to-end ID <EndToEndId>987654321</EndToEndId> 987654321 Amount <InstdAmt Ccy="SEK">5000</InstdAmt> SEK

5000 Creditor Agent <CdtrAgt>

<FinInstnId>

<ClrSysMmbId>

<ClrSysId>

<Cd>SESBA</Cd>



</CdtrAgt>

SESBA 5000


<CdtrAcct>

<Id>

<Othr>

<Id>55991011212</Id>

<SchmeNm>

<Cd>BBAN</Cd >

</SchmeNm>

</Othr> </Id>

</CdtrAcct>

55991011212 BBAN

Creditor name <Cdtr>


</Cdtr>

EDI SURPLUS

Example in XML



<MsgId>20090822123</MsgId>



<InitgPty>

<Id>

<OrgId> <Othr>

<Id>5566775511</Id> <SchmeNm>


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</Othr>

</OrgId>

</Id>

</InitgPty>

</GrpHdr>

<PmtInf>




<Dbtr>


<Id>

<OrgId> <Othr>


</Othr>

</OrgId>

</Id>

</Dbtr>

<DbtrAcct>

<Id>

<Othr>

<Id>12334567</Id>


</DbtrAcct>

<DbtrAgt>

<FinInstnId>

<BIC>ESSESESS</BIC>

</FinInstnId>

</DbtrAgt>

<CdtTrfTxInf>

<PmtId>


</PmtId>

<Amt>


</Amt>

<CdtrAgt>

<FinInstnId>


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<ClrSysMmbId>

<ClrSysId>

<Cd>SESBA</Cd>


</ClrSysMmbId>

</FinInstnId>

</CdtrAgt>

<Cdtr>


</Cdtr>

<CdtrAcct>

<Id>

<Othr>

<Id>55991011212</Id>

<SchmeNm>

<Cd>BBAN</Cd >

</SchmeNm>

</Othr> </Id>

</CdtrAcct>

</CdtTrfTxInf>

</PmtInf>



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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 <XML tag> /Element Code / Value

Payment Information Identification


123456789

Payment method <PmtMtd>TRF</PmtMtd>

TRF

Batch Booking <BtchBookg>false</BtchBookg> false Category Purpose <PmtTpInf>

<CtgyPurp> <Cd>SUPP</Cd> </CtgyPurp>

SUPP



24.06.2009


<Dbtr> <Id> <OrgId> <Othr> <Id>987654321</Id> </Othr> </OrgId> </Id> </Dbtr>

987654321

Debtor Account


70012098765 or NOXX70012098765

Debtor Agent Identification

<DbtrAgt> <FinInstnId> <BIC>DNBANOKK</BIC> </FinInstnId> </DbtrAgt>

DNBANOKK

Instruction ID End-to-end ID

<PmtId> <InstrId>2356</InstrId> <EndToEndId>136722</EndToEndId> </PmtId>

2356 (max 20) 136722 (max 16) (reference on creditors


Page 29 of 121

statement) Amount <Amt>

<InstdAmt Ccy = "NOK">2000</InstdAmt> </Amt>

NOK 2000


<CdtrAcct> <Id> <Othr> <Id>60011012345</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </CdtrAcct>

60011012345 or NOXX60011012345


</RfrdDocInf> <RfrdDocAmt> <RmtdAmt Ccy = "NOK">2000</RmtdAmt> </RfrdDocAmt> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>12345678912345</Ref> </CdtrRefInf>

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%20ISO20022%20Messages/Nordic%20C2B%20Customer%20Credit%20Transfer/2009OppdatertAppendix/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>


Page 30 of 121

<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>


Page 31 of 121

<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>


Page 32 of 121

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). Message Item <XML tag> /Element Code / Value Payment Information Identification


123456789


TRF

Batch Booking <BtchBookg>false</BtchBookg> true Category Purpose <PmtTpInf>


SUPP



24.06.2009



987654321

Debtor Account


70012098765 or NOXX70012098765



DNBANOKK



2356 (max 20) 136722 (max 16) (reference on creditors statement)

Amount <Amt> <InstdAmt Ccy = "NOK">2000</InstdAmt> </Amt>

NOK 2000


<CdtrAcct> <Id> <Othr>

60011012345 or NOXX60011012345


Page 33 of 121

<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>

SCOR 12345678912345 NOK 2000





NOK 56200



90551212345 or NOXX90551212345


</RfrdDocInf> <RfrdDocAmt> <RmtdAmt Ccy = "NOK">56200</RmtdAmt> </RfrdDocAmt> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp>

<Ref>58954650000012012</Ref> </CdtrRefInf>

SCOR 58954650000012012 NOK 56200

Example in XML: <?xml version = "1.0" encoding = "UTF-8"?>


Page 34 of 121

<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%20ISO20022%20Messages/Nordic%20C2B%20Customer%20Credit%20Transfer/2009OppdatertAppendix/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>


Page 35 of 121

<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>


Page 36 of 121

<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>


Page 37 of 121

3.3 Norway, Direct Credit with advice

Business Function: Electronic or paper based advice will be sent to the receiver Message Item <XML tag> /Element Code / Value Payment Information Identification


123456789


TRF



SUPP



24.06.2009



987654321

Debtor Account


70012098765 or NOXX70012098765



DNBANOKK



2357 (max.20) 3344753 (max.16) (reference on creditors statement)


NOK 3000


<Cdtr> <Nm>Titti Produkter</Nm> <PstlAdr> <StrtNm>Oslogate 10</StrtNm> <PstCd>0101</PstCd>

Titti Produkter Oslogate 10 0101 Oslo NO-Norge (optional)


Page 38 of 121

<TwnNm>OSLO</TwnNm> <Ctry>NO</Ctry> </PstlAdr> </Cdtr>



60011012345 or NOXX60011012345

Remittance Information Structured (or Unstructured)

<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>

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%20ISO20022%20Messages/Nordic%20C2B%20Customer%20Credit%20Transfer/2009OppdatertAppendix/Nordic_CCT_Mig_pain001_001_003.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>123456</MsgId> <CreDtTm>2009-06-24T11:00:00</CreDtTm> <NbOfTxs>1</NbOfTxs>


Page 39 of 121

<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 40 of 121

<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>


Page 41 of 121

3.4 Norway, Direct Credit without advice

Business Function: Credit transfer that only will be shown on the receiver’s statement of account Message Item <XML tag> /Element Code / Value Payment Information Identification


123456789


TRF



SUPP



24.06.2009



987654321

Debtor Account


70012098765 or NOXX70012098765



DNBANOKK





NOK 2500


<Cdtr> <Nm>Titti Produkter</Nm> <PstlAdr> <StrtNm>Oslogate 10</StrtNm> <PstCd>0101</PstCd>

Titti Produkter Oslogate 10 0101 Oslo NO-Norge (optional)


Page 42 of 121

<TwnNm>OSLO</TwnNm> <Ctry>NO</Ctry> </PstlAdr> </Cdtr>



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%20ISO20022%20Messages/Nordic%20C2B%20Customer%20Credit%20Transfer/2009OppdatertAppendix/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>


Page 43 of 121

</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>


Page 44 of 121

3.5 Norway, Money Order

Business Function: Payments to a beneficiary where the payor does not know creditors account number. Message Item <XML tag> /Element Code / Value Payment Information Identification


123456789

Payment method <PmtMtd>CHK</PmtMtd>

CHK



SUPP



24.06.2009



987654321

Debtor Account


70012098765 or NOXX70012098765



DNBANOKK





NOK 3500


<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)


Page 45 of 121

<Ctry>NO</Ctry> </PstlAdr> </Cdtr>

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%20ISO20022%20Messages/Nordic%20C2B%20Customer%20Credit%20Transfer/2009OppdatertAppendix/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 46 of 121

<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 47 of 121

3.6 Norway, Payroll or Pension

Business Function: Payment of salary or pension, no advice, only information on receiver’s statement of account. Message Item <XML tag> /Element Code / Value Payment Information Identification


123456789


TRF


<CtgyPurp> <Cd>SALA</Cd> </CtgyPurp>

SALA or PENS



24.06.2009



987654321

Debtor Account


70012098765 or NOXX70012098765



DNBANOKK





NOK 15000


<CdtrAcct> <Id> <Othr> <Id>20011595555</Id>

20021595555 or NOXX20011595555


Page 48 of 121

<SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </CdtrAcct>

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%20ISO20022%20Messages/Nordic%20C2B%20Customer%20Credit%20Transfer/2009OppdatertAppendix/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 49 of 121

<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 50 of 121

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. Message Item <XML tag> /Element Code / Value Payment Information Identification


123456789


TRF


<CtgyPurp> <Cd>INTC</Cd> </CtgyPurp>

INTC



24.06.2009



987654321

Debtor Account


70012098765 or NOXX70012098765



DNBANOKK





NOK 500000


<CdtrAcct> <Id> <Othr>

60011012345 or NOXX60011012345


Page 51 of 121

<Id>60011012345</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> </CdtrAcct>

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%20ISO20022%20Messages/Nordic%20C2B%20Customer%20Credit%20Transfer/2009OppdatertAppendix/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>


Page 52 of 121

<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>


Page 53 of 121

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 <XML tag> /Element Code / Value Payment Information Identification

<PmtInfId>DEBENTID-12345678901</PmtInfId>

DEBENTID-12345678901

Payment Method <PmtMtd>TRF</PmtMtd> TRF (TRA or TRF) Payment Type Information <PmtTpInf>

<InstrPrty>HIGH</InstrPrty>  <CtgyPurp> <Cd>SUPP</Cd>  </CtgyPurp> </PmtTpInf>

HIGH SUPP (INTC, PENS, SALA, SUPP or TREA)

Requested Execution Date <ReqdExctnDt>2009-12-18</ReqdExctnDt>

18.12.2009


<Dbtr> <Id> <OrgId> <Othr> <Id>123456789</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </OrgId> </Id> </Dbtr>

123456789 BANK Danske Bank Denmark - DABADKKK

Debit Account Number

<DbtrAcct> <Id> <Othr> <Id>30000987654321</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </Id> <Ccy>DKK</Ccy> </DbtrAcct>

30000987654321 (DK3030000987654321) BBAN Danske Bank Denmark - DABADKKK DKK

Instruction ID <InstrId>OWNREF-Webservice</InstrId>

OWNREF-Webservice

End-to-end ID <EndToEndId>ENDTOENDID-12345678901</EndToEndId>

ENDTOENDID-12345678901

Purpose Amount <InstdAmt Ccy="DKK">

10666.00</InstdAmt> "DKK" 10666.00


Page 54 of 121

Message Item <XML tag> /Element Code / Value Credit Account Number

<CdtrAcct> <Id> <Othr> <Id>20001234567890</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> <Issr>Nordea Denmark - NDEADKKK</Issr> </Othr> </Id> <Ccy>DKK</Ccy> </CdtrAcct>

20001234567890 (DK2720001234567890) BBAN Nordea Denmark - NDEADKKK

Creditor name and address <Cdtr> <Nm>CAPE Webconsult Aps.</Nm> <PstlAdr> <StrtNm>Markvejen</StrtNm> <BldgNb>103</BldgNb> <PstCd>4600</PstCd> <TwnNm>Koege</TwnNm> <Ctry>DK</Ctry> </PstlAdr> </Cdtr>

CAPE Webconsult Aps. Markvejen 103 4600 Koege DK

Instruction for First agent Remittance Information Unstructured and/or Structured

<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>

Payment for webservices related to the new MS SQL web server (max 1435) CINV InvoiceNo-1234 123456789012345 CUST CAPE Webconsult Aps.


Page 55 of 121

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>


Page 56 of 121

</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>


Page 57 of 121

</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>


Page 58 of 121

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.




Payment Method <PmtMtd>TRA</PmtMtd> TRA (TRA or TRF) Payment Type Information <PmtTpInf>

<InstrPrty>NORM</InstrPrty>  <CtgyPurp> <Cd>SUPP</Cd>  </CtgyPurp> </PmtTpInf>

NORM SUPP (INTC, PENS, SALA, SUPP or TREA)


18.12.2009








OWNREF-Webservice (Max20Text)




Page 59 of 121

Message Item <XML tag> /Element Code / Value Purpose <Purp>

<Prtry>0086</Prtry>    </Purp>

0086 (0019, 0051, 0078, 0086, 0248, 0523, 0531, 0558, 0566 or other) Or Short text (Max20Text) Or <Purp><Cd> to UDUS 356 TextCode or Max20Text (BECH, INTX, PENS, REFU, RENT, SALA, SUPP or other)

Amount <InstdAmt Ccy="DKK">10666.00</InstdAmt>

"DKK" 10666.00


<CdtrAcct> <Id> <Othr> <Id>20001234567890</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> <Issr>Nordea Denmark - NDEADKKK</Issr> </Othr> </Id> </CdtrAcct>

20001234567890 (DK2720001234567890) BBAN Nordea Denmark - NDEADKKK



Instruction for First agent


Page 60 of 121

Message Item <XML tag> /Element Code / Value Remittance Information Unstructured and/or Structured

<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>

Payment for webservices related to the new MS SQL web server (Max1435Text) CINV InvoiceNo-1234 123456789012345 CUST CAPE Webconsult Aps.

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-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>


Page 61 of 121

</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> 


Page 62 of 121

<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>


Page 63 of 121

<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>


Page 64 of 121

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.





<InstrPrty>NORM</InstrPrty> <LclInstrm> <Prtry>IBK</Prtry> </LclInstrm> </PmtTpInf>

NORM IBK


18.12.2009





<DbtrAcct> <Id> <Othr> <Id>20001234567890</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> <Issr>Nordea Denmark - NDEADKKK</Issr> </Othr> </Id> <Ccy>DKK</Ccy> </DbtrAcct>

20001234567890 (DK2720001234567890) BBAN Nordea Denmark - NDEADKKK DKK


OWNREF-Webservice



Purpose Amount <InstdAmt

Ccy="DKK">866.06</InstdAmt> DKK" 866.06


Page 65 of 121

Message Item <XML tag> /Element Code / Value Creditor Account Number

<CdtrAcct> <Id> <Othr> <Id>1234567</Id> <SchmeNm> <Prtry>Giro Account Number</Prtry> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </Id> </CdtrAcct>

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 66 of 121

<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 67 of 121

<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 68 of 121

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.

Message Item <XML tag> /Element Code / Value






NORM IBK


18.12.2009


<OrgId> <Othr> <Id>123456789</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Nordea Denmark - NDEADKKK</Issr> </Othr> </OrgId>

123456789 BANK Nordea Denmark - NDEADKKK



20001234567890 (DK2720001234567890) BBAN Nordea Denmark - NDEADKKK DKK


OWNREF-Webservice




Ccy="DKK">866.06</InstdAmt> "DKK" 866.06


Page 69 of 121


<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>

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 70 of 121

</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 71 of 121

</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 72 of 121

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.




Payment Method <PmtMtd>TRA</PmtMtd> TRA (TRA or TRF) Payment Type Information <PmtTpInf>


NORM IBK


18.12.2009


<OrgId> <Othr> <Id>123456789</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Nordea Denmark - NDEADKKK</Issr> </Othr> </OrgId>

123456789 BANK Nordea Denmark - NDEADKKK



20001234567890 (DK272000123456789) BBAN Nordea Denmark - NDEADKKK</Issr> DKK


OWNREF-Webservice






Page 73 of 121


<CdtrAcct> <Id> <Othr> <Id>1234567</Id> <SchmeNm> <Prtry>Giro Account Number</Prtry> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr>  </Othr> </Id> </CdtrAcct>




SCOR 15+1234567890123456


Page 74 of 121

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 75 of 121

</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 76 of 121

<Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>15+1234567890123456</Ref> </CdtrRefInf> </Strd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>


Page 77 of 121

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.






NORM IBK


18.12.2009


<OrgId> <Othr> <Id>123456789</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> <Issr>Danske Bank Denmark - DABADKKK</Issr> </Othr> </OrgId>




30000987654321 (DK3030000987654321) BBAN Danske Bank Denmark – DABADKKK DKK


OWNREF-Webservice






Page 78 of 121


<CdtrAcct> <Id> <Othr> <Id>87654321</Id> <SchmeNm> <Prtry>FI Creditor Number</Prtry> </SchmeNm> <Issr>PBS Denmark</Issr>  </Othr> </Id> </CdtrAcct>

87654321 FI Creditor Number PBS Denmark



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 79 of 121

<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 80 of 121

<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 81 of 121


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.






NORM IBK


18.12.2009






30000987654321 (DK3030000987654321) BBAN Danske Bank Denmark – DABADKKK

DKK


OWNREF-Webservice




Ccy="DKK">666.06</InstdAmt> "DKK">666.06


Page 82 of 121





<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 83 of 121

<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 84 of 121

<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 85 of 121


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.






NORM IBK


18.12.2009








OWNREF-Webservice






Page 86 of 121





<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 87 of 121

<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 88 of 121

<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 89 of 121

4.10 Denmark, Domestic Cheque

Business Function: Domestic cheque without Payment Identification. Unstructured advice could be included. Cheque is sent by mail to Creditor.


<PmtInfId>DEBENTID-12345678909CHK</PmtInfId>

DEBENTID-12345678909CHK

Payment Method <PmtMtd>CHK</PmtMtd> CHK Payment Type Information Requested Execution Date <ReqdExctnDt>2009-12-

18</ReqdExctnDt> 18.12.2009








OWNREF-Webservice

End-to-end ID <EndToEndId>ENDTOENDID-12345678909CHK</EndToEndId>

ENDTOENDID-12345678909CHK

Purpose Amount <InstdAmt Ccy="DKK">

10666.00</InstdAmt> "DKK" 10666.00


Page 90 of 121

Message Item <XML tag> /Element Code / Value Cheque Instruction <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>

CCHQ (BCHQ, CCCH, CCHQ) MLCD (MLDB, MLCD, PUCD) CAPE Webconsult Aps. Markvejen 103 4600 Koege DK




Instruction for First agent Remittance Information Unstructured and/or Structured

<RmtInf> <Ustrd>Payment for webservices related to the new MS SQL web server. InvoiceNo-1234</Ustrd> </RmtInf>

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 91 of 121

<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 92 of 121

<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 93 of 121

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



<PmtInfId>20090821-123456-06</PmtInfId>

20090821-123456-06

Payment Method <PmtMtd>TRF</PmtMtd> TRF Requested Execution Date <ReqdExctnDt>2009-08-

24</ReqdExctnDt> 24.8.2009

Batch Booking <BtchBookg>true</BtchBookg> The Payer may indicate their request to receive the debits one by one, or as joint bundles at PaymentInformation level.


<Id> <OrgId> <Othr> <Id>0987654321</Id> </Othr> </OrgId> </Id>

987654321


<DbtrAcct> <Id> <IBAN>FI852950180003 0574</IBAN> </Id> </DbtrAcct>

FI8529501800030574 Only IBAN is allowed

Instruction ID <InstrId>20090821-I000017</InstrId>

20090821-I000017 Payer’s unique identification, which is used between the payer and payer’s bank. The identification is returned to the payer only.

End-to-end ID <EndToEndId>20090821-E000005</EndToEndId>

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.

Amount <Amt> <InstdAmt Ccy="EUR">2000.02</InstdAmt> </Amt>

2000,02


Page 94 of 121


<CdtrAcct> <Id> <IBAN> AT611904300234573201 </IBAN> </Id> </CdtrAcct>

AT611904300234573201

Creditor name and address <Cdtr> <Nm>SACHER GmbH</Nm> <PstlAdr> <Ctry>AT</Ctry> <AdrLine>Hohenstaufengasse 123</AdrLine> <AdrLine>AT-1010 Wien</AdrLine> </PstlAdr> </Cdtr>

SACHER GmbH Hohenstaufengasse 123 AT-1010 Wien

Unstructured Remittance Information

<RmtInf> <Ustrd> INVOICES SAC187//SAC188</Ustrd> </RmtInf>

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 95 of 121

<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 96 of 121

<IBAN>AT611904300234573201</IBAN> </Id> </CdtrAcct> <RmtInf> <Ustrd> INVOICES SAC187//SAC188</Ustrd> </RmtInf> </CdtTrfTxInf> </PmtInf> </CstmrCdtTrfInitn> </Document>


Page 97 of 121

5.2 Finland, Normal Payment With Reference

Business Function: Account to account credit transfer with domestic reference.




20090821-123456-03

Payment Method <PmtMtd>TRF</PmtMtd> TRF Batch Booking <BtchBookg>true</BtchBookg

> The Payer may indicate their request to receive the debits one by one, or as joint bundles at PaymentInformation level.


24.8.2009



987654321



FI8529501800030574 Only IBAN is allowed






181,10


<CdtrAcct> <Id> <IBAN>FI6329501800020 582</IBAN> </Id> </CdtrAcct>

FI6329501800020 582


Page 98 of 121

Message Item <XML tag> /Element Code / Value Creditor name and address <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>

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 99 of 121

</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>


Page 100 of 121

<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>


Page 101 of 121

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 <XML tag> /Element Code / Value Payment Information Identification


20090821-123456-02

Payment Method <PmtMtd>TRF</PmtMtd>

TRF

Batch Booking <BtchBookg>true</BtchBookg>

The Payer may indicate their request to receive the debits one by one, or as joint bundles at PaymentInformation level.

Payment Type Information <PmtTpInf> <SvcLvl> <Cd>SEPA</Cd> </SvcLvl> </PmtTpInf>

“SEPA” can be used.


24.8.2009


<OrgId> <Othr> <Id>0987654321</Id> </Othr> </OrgId>

987654321


<IBAN>FI8529501800030574</IBAN>

FI8529501800030574

only IBAN is allowed






81,10


<CdtrAcct> <Id> <IBAN>FI39800017100057 87</IBAN> </Id> </CdtrAcct>

FI39800017100057 87


Page 102 of 121

Message Item <XML tag> /Element Code / Value Creditor name and address

<Cdtr> <Nm>VEROHALLINTO</Nm> <PstlAdr> <Ctry>FI</Ctry> <AdrLine>Linnankatu 22</AdrLine> <AdrLine>20100 Turku </AdrLine> </PstlAdr> </Cdtr>

Verohallinto Linnankatu 22 20100 Turku

Remittance Information Structured and additional Remittance information

<RmtInf> <Strd> <CdtrRefInf> <Tp> <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>0000000000000000 1245</Ref> </CdtrRefInf> <AddtlRmtInf>21=111051-0507/30=0507-0607/</AddtlRmtInf> </Strd> </RmtInf>

Reference: 1245 and additional information 21=111051-0507/30=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 103 of 121

</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 104 of 121

</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 105 of 121

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 <XML tag> /Element Code / Value Payment Information Identification


20090821-123456-01

Payment Method <PmtMtd>TRF</PmtMtd> TRF Batch Booking <BtchBookg>true</BtchBookg> The Payer may indicate

their request to receive the debits one by one, or as joint bundles at PaymentInformation level.

Category Purpose <CtgyPurp> <Cd>SALA</Cd> </CtgyPurp>

The “SALA” code is used for indicating salary and pension payments. The code tells the payer’s bank that this is a salary/pension payment order. For transactions with the SALA code, only a combined debit is made on the payer’s 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.


Page 106 of 121

Message Item <XML tag> /Element Code / Value Debtor’s Organization Identification


987654321



FI8529501800030574 only IBAN is allowed

Instruction ID <InstrId>20090821-I000010</InstrId> 20090821-I000010 Payer’s unique identification, which is used between the payer and payer’s bank. The identification is returned to the payer only.


20090821-E000010

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.

Amount <Amt> <InstdAmt Ccy="EUR">2010.10 </InstdAmt> </Amt>

2010,10


<IBAN>FI6329501800020582</IBAN>

FI6329501800020582

Creditor name and address <Cdtr> <Nm>Simo Saaja</Nm> <PstlAdr> <Ctry>FI</Ctry> <AdrLine>Aleksis Kiven katu 35</AdrLine> <AdrLine>00500 Helsinki</AdrLine> </PstlAdr> …

Simo Saaja Aleksis Kiven katu 35 00500 Helsinki

Purpose <Purp> <Cd>PENS</Cd> </Purp>

PENS

Remittance Information Unstructured

<RmtInf> <Ustrd>PALKKA, 31.08.2009, Elokuu 2009</Ustrd> </RmtInf>

Optional information on beneficiary's own language


Page 107 of 121

Message Item <XML tag> /Element Code / Value Ultimate Creditor <UltmtCdtr>

<Nm>Eemeli Edunsaaja</Nm> <Id> <PrvtId> <SclSctyNb>010203-123X </Sc lSctyNb> </PrvtId> </Id> </UltmtCdtr>

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 108 of 121

</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 109 of 121

</PmtInf> </CstmrCdtTrfInitn> </Document>


Page 110 of 121

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 Element Code / Value


<PmtInfId>DEBENTID-123456_sepa</PmtInfId>

DEBENTID-123456_sepa


TRF

Batch Booking <BtchBookg>false</BtchBookg> false

Payment Type Information

<PmtTpInf> <SvcLvl> <Cd>SEPA</Cd> </SvcLvl> </PmtTpInf>

SEPA

Category Purpose <CtgyPurp>



2008-12-18


<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>

SPEED Model Racing Team Aps. Id: 798000019034 Issued by DABADKKK

Debtor Account <DbtrAcct> <Id> <IBAN>DK8003450003179681</IBAN> </Id> </DbtrAcct>

DK8003450003179681


<DbtrAgt> <FinInstnId> <BIC>DABADKKK</BIC> </FinInstnId> </DbtrAgt>

DABADKKK

Charge Bearer <ChrgBr>SLEV</ChrgBr> SLEV


<PmtId> <InstrId>INSTRID-IFMAR-2009</InstrId> <EndToEndId>ENDTOENDID-123456_sepa</EndToEndId> </PmtId>

INSTRID-IFMAR-2009 ENDTOENDID-123456_sepa

Amount Amt> <InstdAmt Ccy = "EUR">190.00</InstdAmt> </Amt>

"EUR">190.00


Page 111 of 121

Data Element Element Code / Value

Creditor Agent <CdtrAgt> <FinInstnId> <BIC>HANDSESS</BIC> </FinInstnId> </CdtrAgt>

HANDSESS


<Cdtr> <Nm>IFMAR</Nm> <PstlAdr> <Ctry>SE</Ctry> <AdrLine>Urbangatan 109</AdrLine> <AdrLine>S-605 98 Norrkoping Sweden</AdrLine> </PstlAdr> </Cdtr>

IFMAR Urbangatan 109 S-605 98 Norrkoping Sweden SE


<CdtrAcct> <Id> <IBAN>SE4860000000000043109969</IBAN> </Id> </CdtrAcct>

SE4860000000000043109969


<RmtInf> <Ustrd>Fee for INTERNATIONAL FEDERATION OF MODEL AUTO RACING World Championship in Sweden in July 2009</Ustrd> </RmtInf>

Fee for INTERNATIONAL FEDERATION OF MODEL AUTO RACING World Championship in Sweden in July 2009


Page 112 of 121

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%20ISO20022%20Messages/Nordic%20C2B%20Customer%20Credit%20Transfer/2009OppdatertAppendix/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 113 of 121

</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 114 of 121

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 Element Code / Value


<PmtInfId> DEBENTID-1234567891002</PmtInfId>

DEBENTID-1234567891002


TRF



<PmtTpInf> <InstrPrty>NORM</InstrPrty>

NORM

Category Purpose <CtgyPurp> <Cd>SUPP</Cd> </CtgyPurp>

SUPP



2008-12-18


<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>

Debtor Company Plc Mannerheimintie 123 FI-00100 Helsinki FI Id: 0987654321 Issued by Nordea Finland - NDEAFIHH

Debtor Account <DbtrAcct> <Id> <IBAN>FI8529501800020574</IBAN> </Id> <Ccy>EUR</Ccy> </DbtrAcct>

FI8529501800020574 EUR


<DbtrAgt> <FinInstnId> <BIC>NDEAFIHH</BIC> </FinInstnId> </DbtrAgt>

NDEAFIHH

Charge Bearer <ChrgBr>


Page 115 of 121



<PmtId> <InstrId>INSTRID-FiFi0102</InstrId> <EndToEndId>ENDTOENDID-FiFi0102</EndToEndId> </PmtId>

INSTRID-FiFi0102 ENDTOENDID-FiFi0102

Amount <Amt> <InstdAmt Ccy = "EUR">5000.00</InstdAmt> </Amt>

"EUR">5000.00

Charge Bearer <ChrgBr>DEBT</ChrgBr>

DEBT

Creditor Agent <CdtrAgt> <FinInstnId> <BIC>NDEADKKK</BIC> </FinInstnId> </CdtrAgt>

NDEADKKK


<Cdtr> <Nm>Creditor Company</Nm> <PstlAdr> <Ctry>DK</Ctry> <AdrLine>Bredgade 123</AdrLine> <AdrLine>1256 Copenhagen K</AdrLine> </PstlAdr> <CtryOfRes>DK</CtryOfRes> </Cdtr>

Creditor Company Bredgade 123 1256 Copenhagen K DK


<CdtrAcct> <Id> <IBAN>DK8003450003179681</IBAN> </Id> </CdtrAcct>

DK8003450003179681


<RmtInf> <Ustrd>Invoices 5123 and 3521</Ustrd> </RmtInf>

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%20ISO20022%20Messages/Nordic%20C2B%20Customer%20Credit%20Transfer/2009OppdatertAppendix/Nordic_CCT_Mig_pain001_001_003.xsd"> <CstmrCdtTrfInitn> <GrpHdr> <MsgId>MSGID-FiFi00102</MsgId> <CreDtTm>2008-12-17T09:30:47+01:00</CreDtTm>


Page 116 of 121

<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>


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</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>


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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 Element Code / Value


<PmtInfId> DEBENTID-1234567891002</PmtInfId>

DEBENTID-1234567891002


TRF



<PmtTpInf> <InstrPrty>NORM</InstrPrty> <SvcLvl> <Cd>URGP</Cd> </SvcLvl>

NORM URGP

Category Purpose <CtgyPurp> <Cd>SUPP</Cd> </CtgyPurp>

SUPP



2008-12-18


<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>

Debtor Company Plc Mannerheimintie 123 FI-00100 Helsinki FI Id: 0987654321 Issued by Nordea Finland - NDEAFIHH

Debtor Account <DbtrAcct> <Id> <IBAN>FI8529501800020574</IBAN> </Id> <Ccy>EUR</Ccy> </DbtrAcct>

FI8529501800020574 EUR


<DbtrAgt> <FinInstnId> <BIC>NDEAFIHH</BIC> </FinInstnId> </DbtrAgt>

NDEAFIHH

Charge Bearer <ChrgBr>


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<PmtId> <InstrId>INSTRID-FiFi0102</InstrId> <EndToEndId>ENDTOENDID-FiFi0102</EndToEndId> </PmtId>

INSTRID-FiFi0102 ENDTOENDID-FiFi0102

Amount <Amt> <InstdAmt Ccy = "EUR">5000.00</InstdAmt> </Amt>

"EUR">5000.00

Charge Bearer <ChrgBr>DEBT</ChrgBr>

DEBT

Creditor Agent <CdtrAgt> <FinInstnId> <BIC>NDEADKKK</BIC> </FinInstnId> </CdtrAgt>

NDEADKKK


<Cdtr> <Nm>Creditor Company</Nm> <PstlAdr> <Ctry>DK</Ctry> <AdrLine>Bredgade 123</AdrLine> <AdrLine>1256 Copenhagen K</AdrLine> </PstlAdr> <CtryOfRes>DK</CtryOfRes> </Cdtr>

Creditor Company Bredgade 123 1256 Copenhagen K DK


<CdtrAcct> <Id> <IBAN>DK8003450003179681</IBAN> </Id> </CdtrAcct>

DK8003450003179681


<RmtInf> <Ustrd>Invoices 5123 and 3521</Ustrd> </RmtInf>

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%20ISO20022%20Messages/Nordic%20C2B%20Customer%20Credit%20Transfer/2009OppdatertAppendix/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>


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</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>


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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>

Documents

Nordic XML 2009