Rulebook 5

SEPA logo Per 19 november 2011 zullen de regels van rulebook 5 ingevoerd worden. Deze pagina beschrijft de belangrijkste veranderingen in het iso 20022 formaat ten opzichte van rulebook 4.

(Voor Business-to-Business SEPA Direct Debit is dit van versie 2 naar versie 3)

Rulebook 4 invoering had meer impact op het formaat dan rulebook 5 zal hebben. Rulebook 3 was gebaseerd op een iso 20022 standaard van 2006. Rulebook 4 en 5 gaan uit van iso 20022 standaard van 2009. Een belangrijke verandering in de 2009 versie was het gebruikt van externe tabellen in plaats van tabellen die in de XSD zelf opgenomen waren. Dit verminderd aanpassingen van de XSD. In rulebook 5 zijn de wijzigingen veelal gerelateerd aan SEPA Direct Debit (SDD).

SEPA Direct Debit

De implementation guidelines voor SEPA Direct Debit (SDD) zijn er voor drie groepen; core, business-to-business (B2B) en mandates. De volgende implementation guidelines zijn beschikbaar:
EPC 296-10 SEPA core direct debit scheme advance mandate information implementation guideline v5.0. Dit is een nieuw bestandsformaat binnen SEPA.
EPC 002-09 SEPA core direct debit scheme e-mandate service implementation guideline v5.0. Er zijn geen feitelijke verandering t.o.v. versie 4.
EPC 130-08 SEPA core direct debit scheme customer-to-bank implementation guideline v5.0. Er zijn geen feitelijke verandering t.o.v. versie 4.
EPC 114-06 SEPA core direct debit scheme inter-bank implementation guideline v5.0. Een aantal veranderingen staan beneden vermeld.
EPC 315-10 SEPA b2b direct debit scheme advance mandate information service implementation guideline v3.0 (there is an error in the title of the document reference, this is named 129-09 by must be 315-10). Dit is een nieuw bestandsformaat binnen SEPA.
EPC 129-09 SEPA b2b direct debit scheme e-mandate service implementation guideline v3.0. Er zijn geen feitelijke verandering t.o.v. versie 2.
EPC 131-08 SEPA b2b direct debit scheme customer-to-bank implementation guideline v3.0. Er zijn geen feitelijke verandering t.o.v. versie 2.
EPC 301-07 SEPA b2b direct debit scheme inter-bank implementation guideline v3.0. Een aantal veranderingen staan beneden vermeld.

EPC 114-06 Veranderingen *)

EPC Referentie Hoofdstuk / Sectie / Paragraaf ISO Formaat Omschrijving
10/002 2.2.4, index, 3.13 Returned Instructed Amount pacs.003.001.02 Shade yellow ‘Returned Instructed Amount’ as this must be present if ‘Charges Information’ is present’, in line with ISO rules and add Usage Rule: Only allowed in the case a bilateral balancing payment is made, ie, ‘Amount’ under ‘Charges Information’ is used.
Add amount usage rules
Usage Rule: Only allowed in the case a bilateral balancing payment is made, ie, ‘Amount’ under ‘Charges Information’ is used.
Usage Rule: Only ‘EUR’ is allowed.
Usage Rule: Amount must be 0.01 or more and 999999999.99 or less.
Format Rule: The fractional part has a maximum of two digits.
10/004 2.2.5, Return reason codes pacs.003.001.02 Section 2.2.5 contains two lists of reasons. In the Return reason codes: Delete MD06 from the list of Return codes Delete FF01 as it does not exist in ISO as a Return code
10/005 2.2.5, Refund reason codes pacs.003.001.02 Section 2.2.5 contains two lists of reasons. In the Refund reason codes: Re-introduce the two reason codes MD01 for ‘Unauthorized transaction’ and MD06 for ‘Disputed authorized transaction’
10/007 2.4.4, index, 3.9 Reversed Instructed Amount pacs.007.001.02 To shade yellow ‘Reversed Instructed Amount’ as this must be present if ‘Charges Information is present’, in line with ISO rules and add "Usage Rule: Only allowed in the case a bilateral balancing payment is made, ie, ‘Amount’ under ‘Charges Information’ is used.
10/012 2.4.4; index 3.1 Reversal Identification pacs.007.001.02 Add that the data element is mandatory in SEPA
10/017 2.2.5 and 2.3.5 Return reason codes pacs.003.001.02, pacs.002.001.03 Add BE04 code

EPC 301-07 Veranderingen *)

EPC Referentie Hoofdstuk / Sectie / Paragraaf ISO Formaat Omschrijving
10/003 2.2.4, index, 3.13 Returned Instructed Amount pacs.004.001.02 To shade yellow ‘Returned Instructed Amount’ as this must be present if ‘Charges Information’ is present’, in line with ISO rules and add "Usage Rule: Only allowed in the case a bilateral balancing payment is made, ie, ‘Amount’ under ‘Charges Information’ is used.
10/006 2.4.4, index, 3.9 Reversed Instructed Amount pacs.007.001.02 To shade yellow ‘Reversed Instructed Amount’ as this must be present if ‘Charges Information’ is present’, in line with ISO rules and add "Usage Rule: Only allowed in the case a bilateral balancing payment is made, ie, ‘Amount’ under ‘Charges Information’ is used.
10/011 2.4.4; index 3.1 Reversal Identification pacs.007.001.02 Add that the data element is mandatory in SEPA
10/017 2.2.5 and 2.3.5 Return reason codes pacs.004.001.02, pacs.002.001.03 Add BE04 code

SEPA Credit Transfer *)

De klant-naar-bank bestandsformaten beschreven in de implementation guidelines EPC 132-08 zijn niet veranderd.

De onderlinge bank bestandsformaten beschreven in de implementation guidelines EPC 115-06 zijn wel veranderd. Hieronder volgt een tabel met daadwerkelijke veranderingen (tekst verbeteringen worden hier niet genoemd).
EPC Referentie Hoofdstuk / Sectie / Paragraaf ISO Formaat Omschrijving
10/002 2.2.4, index 3.13 Returned Instructed Amount pacs.008.001.02 Shade ‘Returned Instructed Amount’ yellow as this must be present if ‘Charges Information’ is present, in line with ISO rules and add Usage Rule: Only allowed in the case of a return in response to a cancellation request, ie, ‘Reason’ in ‘Return Reason Information’ specifies ‘FOCR’.
10/003 2.2.4, index 3.1 Return Identification pacs.008.001.02 R5 to rename ‘Specific Reference of the bank initiating the Recall’
10/005 2.4.5 Underlying, index 4.22 Cancellation Identification camt.056.001.01 Make ‘Cancellation ID’ mandatory to specify AT-R7 Specific reference of the bank initiating the Recall, and add Usage Rule: This element must be transported up to the Creditor Agent.
10/007 2.5.9 Message Element Specifications   Add code for use under ‘Proprietary’ ‘ARDT’ to indicate the reason for a negative answer to a cancellation is that it is already a returned transaction. In the meantime a request is being made to include it as an ISO Code
10/010 2.2.4, index 3.1 Return Identification pacs.004.001.02 Delete AT-R7 Specific Reference of the bank initiating the recall and move to 3.27
10/011 2.2.4, Index 3.27 Additional Information pacs.004.001.02 Shade yellow
Add AT-R7 Specific Reference of the bank initiating the recall and add usage rules:
Usage Rule: Only one occurrence allowed.
Usage Rule: Only allowed when ‘FOCR’ is present in ‘Reason’.
10/016 2.4.6 Message Element Specifications camt.056.001.01 Delete codes ‘TECH’ and ‘FRAD’ from the ISO codes list of Reasons for Cancellation Request and add them to a new set of codes for use under ‘Proprietary’
10/020 2.5.5, index 4.0 Cancellation Details camt.029.001.03 Add that it is mandatory as a SEPA Requirement

*) Tekst is overgenomen van de EPC documenten.