SEPA Berichten

Per 1 november 2010 is een set ISO 20022/UNIFI bestanden actueel geworden, die wordt aangeduid met 2009. Per 1 februari 2014 wordt de nieuwe versie actief, die verder aangeduid zal worden als 2012.

De belangrijkste wijzigingen van 2006 naar 2009 zitten in het op header of detail niveau vastleggen, zoals batch id, en de identificatie van personen en organisaties. Een document is beschikbaar die de verschillen tussen pain.001.001.02 en pain.001.001.03 beschrijft. Een document die de verschillen tussen 2009 en 2012 beschrijft is onderweg. De documenten hieronder zijn vooral gebaseerd op 2009.

De tabel hieronder geeft aan welke EPC berichten overeen komen met UNIFI voor credit transfer.

De Nederlandse Vereniging van Banken (NVB) heeft documenten beschikbaar gesteld die beschrijven hoe banken de formaten zouden moeten definieren..
SEPA Credit Transfer Scheme Rulebook UNIFI (ISO 20022) XML Message Standards
Layout
DS-01 Customer to Bank Credit Transfer Instruction Information Customer Credit Transfer Initiation
Beside EPC implementation guide, countries made their own implementation guide for local banks. The links on the right are pointing to XSDs developed on basis of these documents.
Layout ISO 20022 - pain.001.001.02 (2006)
Layout ISO 20022 - pain.001.001.03 (2009)
Layout ISO 20022 - pain.001.001.04 (2012)
NVB - pain.001.001.03 (2009)

Layout Febelfin (2006)
(2006)
DS-02 Inter-bank Payment Dataset FI to FI Customer Credit Transfer
Layout ISO 20022 - pacs.008.001.01 (2006)
Layout ISO 20022 - pacs.008.001.02 (2009)
Layout ISO 20022 - pacs.008.001.03 (2012)
DS-03 Inter-bank Reject or Return Credit Transfer Dataset Return - Payment Return (pacs.004) Reject - Payment Status Report (pacs.002)
DS-04 Bank to Customer Credit Transfer Information Statements/advice UNIFI (ISO 20022) XML standards are recommonded but not defined. camt.052, camt.053, camt.054
Recommendation
Reject based on DS-03 for the Bank to Customer reject Reject - Payment Status Report
Layout pain.002.001.02 (2006)
Layout pain.002.001.03 (2009)
Layout pain.002.001.04 (2012)

De tabel hieronder geeft aan welke EPC berichten overeen komen met UNIFI voor direct debit.


SEPA Direct Debit Scheme Rulebook UNIFI (ISO 20022) XML Message Standards
Layout
DS-01 The Mandate Not applicable as this refers to the paper mandate
DS-02 The dematerialised Mandate Not applicable as there is no specific XML message for the de-materialised mandate
Customer to bank Direct Debit Collection Customer Direct Debit Initiation
Layout ISO 20022 - pain.008.001.01 (2006)
Layout ISO 20022 - pain.008.001.02 (2009)
Layout ISO 20022 - pain.008.001.03 (2012)
Layout NVB - pain.008.001.02 (2009)
DS-04 The inter-bank Direct Debit Collection FI to FI Customer Direct Debit (pacs.003.001.01)
Direct Debit Rejection, Return or Refund of a Collection Return or Refund - Payment Return (pacs.004) Reject - Payment Status Report (pacs.002)
DS-06 Bank to customer Direct Debit Information on the Collection Statements/advice UNIFI (ISO 20022) XML standards are recommonded but not defined. camt.052, camt.053, camt.054
Recommendation
DS-07 The inter-bank Reversal instruction for a Collection Reversal -Payment Reversal (pacs.007.001.02) Reversal - Customer Payment Reversal (pain.007.001.02) in combination with DS-03
Reject based on DS-05 for the Bank to Customer space Reject - Payment Status Report
Layout pain.002.001.02 (2006)
Layout pain.002.001.03 (2009)
Layout pain.002.001.04 (2012)

Reporting UNIFI messages
Only the 2009 version as it is the recommended one.

ISO messagenamedescriptionLayout
Cash Management EPC Recommendated
camt.052Bank To Customer Account ReportThe Bank-to-Customer Account Report message is sent by the account servicer to an account owner or to a party authorised by the account owner to receive the message. It can be used to inform the account owner, or authorised party, of the entries reported to the account, and/or to provide the owner with balance information on the account at a given point in time.Layout (2009)
camt.053Bank To Customer StatementThe Bank-to-Customer Statement message is sent by the account servicer to an account owner or to a party authorised by the account owner to receive the message. It is used to inform the account owner, or authorised party, of the entries booked to the account, and to provide the owner with balance information on the account at a given point in time.Layout (2009)
camt.054Bank To Customer Debit Credit NotificationThe Bank-to-Customer Debit/Credit Notification message is sent by the account servicer to an account owner or to a party authorised by the account owner to receive the message. It can be used to inform the account owner, or authorised party, of single or multiple debit and/or credit entries reported to the account.Layout (2009)

Rulebook 4 Recall messages

ISO messagenamedescriptionLayout
camt.055Customer recall message Layout (2009)
camt.056Interbank recall message The message is used to submit the request to cancel a pacs.008.001.02 or to cancel specified transactions from the Originator Bank to the next bank in the chain or to the CSM, or from the CSM to the next bank in the chain. Layout (2009)
pacs.004Recall positive answer The positive answer to a Recall message (camt.056.001.02) is to be made using an inter-bank return credit transfer message (pacs.004.001.02).

Voorbeeld febelfin.xml (DS-01 CT).