Service Description Transfer of Material XML (C2B)

Transcription

1 Service Descriptin Transfer f Material XML (C2B)

2 Cntents 2 1 XML file message General Descriptin f messages Sending and retrieving messages Treatment f messages Character set... 5 Sending... 5 Character Set Entity Structure f material t be sent Respnse frm the Bank t the custmer Respnse n receipt Respnse n payment prcessing Respnses n Transactin level In additin t the default, the Bank als returns ther types f respnse messages as fllws: Agreement Testing System-test envirnment Prductin test Timetables (Cut ff times) Advice and supprt Appendices Date Versin Subject f the change recmmendatin t avid lng technical lines Authstn Custmer can chse in Grup Header what kind f Status reprt they need. Default value is Negative BANSTA, nly frmatin f rejected payments changed and 2.2 changed Added characters abut entity cde Added respnse cdes fr Web Services Changed in the ver due dates Name changed as Dansk Bank Payment message (pain.001) and status reprt (pain.002) versin PATU channel away

3 Change in regarding whitespace and update f Change in regarding character set usage 3

4 1 XML file message General This Danske Bank XML Material Transmissin service descriptin is fr Finland. T Danske Bank is pssible t send payment material in file standard ISO XML frmat. The XML-material frmat parallels the present natinal services in Finland. Using Danske Bank service XML Material Transmissin, a Cmpany can make all payments t be paid as accunt transfers by using messages f nly ne internatinal standard. In Finland, the Service cmprises f invice payment services, recurring payments (salaries/wages and pensins), freign payments and rder messages MT101 and ther file frmats in Danske Bank Grup are available (excluding PATU Material Transmissin). XML Material Transmissin includes bth versins 2 and 3 in payment message pain.001 and respnse message pain Descriptin f messages The messages that are used by Danske Bank fllw the descriptin f payment messages ISO Based n the ISO descriptins, Danske Bank has written a special handbk n applicatins in which the data cntents in different types f payments that are used by Danske Bank are defined. The Federatin f Finnish Financial Services has published a handbk cvering the messages used fr SEPA payments and their data cntent. The handbk written jintly by the banks and edited by the Federatin f Finnish Financial Services can be fund at the address: The service is based n internatinal ISO messages. Further infrmatin can be fund at the address Sending and retrieving messages The material is sent using banking sftware t the Web Services. Business Online material shall be sent using functin Files t the Bank Treatment f messages The custmer sends payment rder material the frm f structure and cntents f which shall meet the requirements f ISO messages and the instructins f Danske Bank. The Bank identifies the sender and at the same time checks the sender s authrity t send messages f this type. The Bank sends a technical ntice stating if the message was sent successfully r, if nt, state the reasn fr an unsuccessful transmissin.

5 2.1.2 Character set The custmer retrieves the respnse message f type ISO20022 XML which The Bank frms infrming the sender the status f the material in the Bank, whether the material was received successfully, r pssible discrepancies. If the batch r any transactin is rejected in the Bank s treatment, the custmer receives a cde in the respnse message indicating the discrepancy. Sending The fllwing character set can be used: ISO , ISO and UTF-8 Nte: We advise custmers t use character set ISO r ISO when the fllwing ptins are bth true fr a pain r pain file: The file is prtected with Danske Bank EDISec security (encrypted and/r signed) The file cntains certain special characters like the Scandinavian letters (æ, ø, å, ö, ä, Æ, Ø, Ö, Ä) Retrieval f Status Reprt In Receiver s Feedback the symbls / cding are same as in the sending. Payment Status Reprt cding is fllwing: - Grup Status ACCP: same as in the sending - Grup Status PART/RJCT: ISO Character Set Entity Certain special characters are replaced accrding t the XML standard. The entities are as fllws: 5 Sign & Entity & < < > > &qut; &aps; Allwed t ther SEPA cuntries Character encding used in the message must match t the character set name in XML header (e.g. <?xml versin="1.0" encding="utf-8"?>). Special characters, including Scandinavian characters (Åå,Ää,Öö), must nt be used in identificatin fields: MessageId, PaymentInfrmatinId, InstructinId and EndTEndId.

6 2.1.3 Structure f material t be sent The message used fr payment rders is Custmer Credit Transfer Initiatin. The technical name f the message is pain r pain Danske Bank recmmend that all whitespace is remved frm XML files. Whitespace is blanks, new lines, tabs in the XML, which is nt part f data. C2B material transmissin can cntain ne r mre payments. If the material cntains several payments, the sender can, when frming the material, use grup functins fr payments. All C2B material transmissin shall have the service cde agreed n in the Agreement. Payment rders are given within level Grup Header, jined t a Payment Infrmatin rder accrding t debit accunt and due date. The message shall cntain all Credit Transfer Transactin Infrmatin transactins t be paid n the same day. Wage/salary transactins shall be picked individually t a separate Payment Infrmatin batch s that debiting f the wages/salaries is reprted n the custmer s accunt statement accrding t the custmer s batch. The infrmatin fr debiting several payments as a cmpilatin, hwever, crediting as separate transactins Or, thrugh separate debit and credit infrmatin fr each payment as separate transactins We recmmend gruping f payment t be made in frm Mixed. 6

7 7 Gruping type is mixed. In the same Payment infrmatin part several Credit transfer transactin infrmatin parts can be jined, under the cnditin that they have the same: Type f payment Debit accunt Due date Dmestic and freign accunt transfers, SEPA-accunt transfers, Urgent Payment and Mney Order Salaries/wages and pensins (SALA) MT101 (rder frm freign accunt) The IBAN frmat is mandatry when the debit accunt is in Danske Bank In C2B payment material the due date can be stated 365 days ahead, as a maximum Overdue dates can be accepted and debited as sn as the payment can be treated

8 Web Services-and Business Online file transmissins maximum f 60 calender days If the payment cnsists f wages/salaries r pensins, i.e. if there is a tag CtgyPurp>SALA, the payment date must be a banking day The ttal material can be rejected if it cntains unacceptable grupings. Even if freign payments can be described as gruped in the material, ur Bank still, when making the bkings f the payments, uses separate debit transactins fr them instead f cllected debits, i.e. debits each payment separately. Accunt transfers requiring freign exchange Accunt transfers requiring freign exchange can be jined t the same Payment Infrmatin part if the currency f the debit accunt has been ntified in the payment message. If the currency fr the debit accunt has nt been ntified, payments requiring freign exchange shall always have an individual Single Structure Infrmatin part 2.2 Respnse frm the Bank t the custmer After receiving the payment data, the Bank creates the respnse message Payment Status Reprt, the technical name f which is pain r pain The respnse message will be created in tw different stages: Stage 1: respnse n receipt Stage 2: respnse n payment prcessing Respnse n receipt By default, the respnse message is created as fllws: The structure f the payment material is validated n the basis f an XML scheme. Hwever, the infrmatin cntent f the material is nt yet validated at this stage. After receiving the payment material, the Bank creates a respnse message fr the entire payment message at the Grup level. ACTC = The payment material was received and accepted. Specifying infrmatin f the riginal message: OriginalMessageIdentificatin, OriginalCreatinDateTime, OriginalNumberOfTransactins and OriginalCntrlSum (if OriginalCntrlSum was included in the pain.001 message). RJCT = The payment material was rejected in full and it will nt be prcessed further. Specifying infrmatin f the riginal message: OriginalMessageIdentificatin, OriginalCreatinDateTime and OriginalNumberOfTransactins.

9 In Web Services-ther file types than XML payment file yu receive a respnse message nly when the bank has received the payment file but nt frm later prcessing the payment file Respnse message culd be: - ACTC = The payment material was received and accepted, r - RJCT = The payment material was rejected in full and it will nt be prcessed further Respnse n payment prcessing After receipt, the payments are sent fr further prcessing, which invlves additinal checks, and the Bank will create respnses at mre detailed levels cncerning the validity f the payments. Respnses n Grup level ACCP = All payment rders have been accepted and can be entered n the due date. Specifying infrmatin f the riginal message: OriginalMessageIdentificatin, OriginalCreatinDateTime, OriginalNumberOfTransactins and OriginalCntrlSum (if OriginalCntrlSum was included in the pain.001 message). PART = Sme f the payment rders have been accepted and sme have either been rejected r returned t the debit accunt ( U-turn ). Specifying infrmatin f the riginal message: OriginalMessageIdentificatin and OriginalCntrlSum (if OriginalCntrlSum was included in the pain.001 message). PART = All payment rders have been rejected r returned t the debit accunt ( U-turn ). Specifying infrmatin f the riginal message: OriginalMessageIdentificatin and OriginalCntrlSum (if OriginalCntrlSum was included in the pain.001 message) Respnses n Transactin level Respnses n the Transactin level are used t reprt the success f the prcessing f individual payment transactins in the Bank s system. The Bank creates respnses n the Transactin level fr either the payment batch (PmtInf level) and/r an individual credit transactin (CdtTrfTxInf level). By default, a respnse will nly be returned n the Transactin level if the Gruplevel respnse is PART r RJCT. RJCT = the payment rder was rejected. In additin t the Grup-level respnse, the Bank returns the specifying infrmatin f the riginal payment batch r individual credit transactin as fllws: - If the rejectin was due t the payment batch (PmtInf level): OriginalPaymentInfrmatinIdentificatin.

10 - If the rejectin was due t the credit transactin (CdtTrfTxInf level): OriginalPaymentInfrmatinIdentificatin, OriginalEndTEndIdentificatin, Amunt and Creditr Name. If the payment batch includes payment types which are entered as individual payments and nt as cmbined debits (such as internatinal payments) in the Bank s systems and the debit accunt is incrrect, the Bank reprts bth the incrrect payment batch and all f the credit transactins included in it in the respnse message. If the funds n the debit accunt are insufficient, the bank will check the balance ver five (5) banking days. A separate respnse message will be returned n a daily level by reprting the status f the payment batch = PDNG. If sufficient funds are nt available after five (5) banking days, the bank cancels the entire payment batch r individual payment transactin and the respnse message returns the fllwing values: Grup-level= RJCT and Transactin level= RJCT. Specifying infrmatin f the riginal message: OriginalPaymentInfrmatinIdentificatin In additin t the default, the Bank als returns ther types f respnse messages as fllws: 3. Agreement The custmer can use the <Authstn> tag in the Grup Header t determine the kind f respnse required frm the Bank. If this infrmatin is nt prvided, the default respnse message will be returned. The cntent f the respnse message n payments may be chsen using Feedback=xxx, where the value f xxx is any ne f the values listed belw. XBU = rejected payments and payments returned t the debit accunt ( U turn") nly XAU = successful payments nly XDU = rejected and successful payments XDY = rejected, successful and pending payments Example: <Authstn>Feedback=XBU</Authstn> Depending n the Feedback value used, the Bank will return tw different respnse messages n payments prcessing. The use f the Material Transfer Services Web Services requires a valid Agreement n electrnic services. After this sending and retrieving XML material can start. When the custmer has agreed n the Material Transfer XML Service he can send and receive all payments in XML frmat and respnses t them, which are ffered by the Bank, withut a separate Agreement. The use f Business Online requires a valid Business Online Agreement cntaining the mdule material transfer (part f the Business Online Basic r Glbal package). The custmer can start sending and retrieving XML material as sn as he has the readiness fr it. 10

11 The custmer can make an amendment t an Agreement r cnclude a new Agreement in any f Danske Bank s crprate branches. Prir t sending messages t Danske Bank, the structural authrity must be checked against Scheme and be tested Testing The custmer r the supplier f the sftware can test his wn XML-files with Danske Bank. The files can be tested in the system test envirnment r in the prductin. The service cde f the material and the accunt are the custmer s wn used in prductin System-test envirnment Prductin test The test material is sent via as an attachment. Danske Bank prcesses the material in the system-test and sends a feedback t the custmer. Recmmendatin is t send the material fr checking t xmltestaus@danskebank.fi befre starting the prductin. This way we can check the frmat befre prcessing f the payments. This is necessary if the supplier f the sftware has nt tested with Danske Bank. 1. D the XML- Material Transmissin agreement with Danske Bank, if yu use Banking sftware and Material Transmissin Service r Business Online material transmissin, yu d nt need t d separate agreement. 2. The test material the custmer has sent is received thrugh the nrmal service channel, a receipt check is perfrmed in rder t prve that the material sent is frmally crrect. Als, a respnse n the test material is made in the Bank. The sender can define a single payment material as test material by writing TEST in the field Authstn in versin 2 r the filed <Authstn ><Prtry> in versin 3. Danske Bank perfrms a cntrl n material defined in this way, based n XML scheme, but the payments are nt bked The sender receives a respnse cncerning the test material in a Payment Status reprt r thrugh Business Online in the Internet bank by checking the status f the material 3. Danske Bank s Custmer Supprt gives the feedback f the testing via r telephne as agreed with the custmer 3.2 Timetables (Cut ff times) Treatment times fr electrnic material Treatment times fr incming and utging freign payments

12 4 Advice and supprt The cntact infrmatin f Danske Bank's Crprate Service is available here 12 5 Appendices Additinal advice frm the appendix t the Service Descriptin and examples yu can find frm here