D96A | EDIFACTORY

Message D96A/PAYORD

Payment order message

A Payment Order is sent by the Ordering Customer (or Payor or Agent on behalf of the Ordering Customer) to the Ordered Bank, to instruct the Ordered Bank to debit an account it services for the Ordering Customer, and to arrange for the payment of a specified amount to the Beneficiary (or Payee or Agent in favour of Beneficiary) in settlement of the referenced business transaction(s). Throughout this document, the term 'Ordering Customer' refers to either an Ordering Customer, or a Payor or Agent acting on behalf of the Ordering Customer; likewise the term 'Beneficiary' refers to either a Beneficiary, or a Payee or Agent acting on behalf of the Beneficiary.

Message description

UNH

M(1) : Message header

A service segment starting and uniquely identifying a message. The message type code for the Payment order message is PAYORD. Note: Payment order messages conforming to this document must contain the following data in segment UNH, composite S009: Data element 0065 PAYORD 0052 D 0054 96A 0051 UN

BGM

M(1) : Beginning of message

A segment for unique identification of the Payment Order, the type of Payment Order and its function. The requirement for a response, e.g., related debit advice, may be indicated. Note: The identification will be passed back to the Ordering Customer for reconciliation purposes; it would be used in the case of a cancellation or confirmation of a Payment Order.

BUS

C(1) : Business function

A segment identifying certain characteristics of the Payment Order, such as its business function. In so doing, it provides information about the message that may be used, for instance, for routing within an institution, for tariffing, or for the provision of some statistical information.

PAI

C(1) : Payment instructions

A segment specifying the conditions, guarantee, method and channel of payment for the Payment Order.

FCA

C(1) : Financial charges allocation

A segment specifying the method for allocation of charges and allowances (e.g., charges borne by the Ordering Customer, the Beneficiary or both), and identifying the Ordering Customer's account to which such charges or allowances should be directed where it is different from the principal account.

DTM

M(4) : Date/time/period

A segment identifying the date/time of creation of the message, the requested execution date and/or due date at the beneficiary's side as well as other dates and times relevant to the financial transaction.

FTX

C(5) : Free text

This segment contains the details of payment, which have to be passed from the ordered bank to the beneficiary through the banking chain together with the remittance details.

SG1 C(5) : RFF-DTM

A group of segments identifying a previously-sent message.

RFF

M(1) : Reference

A segment specifying the reference number of the previously-sent message.

DTM

C(1) : Date/time/period

A segment identifying the creation date of the referenced message.

SG2 M(1) : MOA-CUX-DTM-RFF

A group of segments identifying the monetary amount and, if necessary, the currencies, exchange rate and date for the payment.

MOA

M(1) : Monetary amount

A segment giving the amount of the payment.

CUX

C(1) : Currencies

A segment identifying the source currency and the target currency of the transaction when they are different. The rate of exchange is solely used when previously agreed between the Ordering Customer and the Ordered Bank.

DTM

C(2) : Date/time/period

A segment identifying the effective date and/or time the rate of exchange was fixed. The other occurrence identifies the reference date.

RFF

C(1) : Reference

A segment identifying other transactions to which funds associated with the Payment Order are related, such as a separate foreign exchange deal.

SG3 C(4) : FII-CTA-COM

A group of segments providing information about the financial institutions and accounts related to the Payment Order, together with details of any parties to be contacted in relation with the transaction. This group may also contain a single customer for the debiting and/or crediting side.

FII

M(1) : Financial institution information

A segment identifying the financial institution (e.g., bank) and relevant account number and currency for each party involved in the transaction. The Ordering Customer may indicate the previously agreed choice of financial institution for payment.

CTA

C(1) : Contact information

A segment identifying a person or a department for the financial institution specified in the FII segment and to whom communication should be directed.

COM

C(5) : Communication contact

A segment providing a communication number for the party identified in the FII segment and optionally for the contact identified in the associated CTA segment.

SG4 C(6) : NAD-CTA-COM

A group of segments identifying the name and address of the non-financial institutions involved in the transaction and their contacts.

NAD

M(1) : Name and address

A segment identifying the name and address of the non- financial parties associated with the Payment Order and their functions.

CTA

C(1) : Contact information

A segment identifying a person or a department for the party specified in the NAD segment and to whom communication should be directed.

COM

C(5) : Communication contact

A segment providing a communication number for the party identified in the NAD segment and optionally for the contact identified in the associated CTA segment.

SG5 C(4) : INP-FTX-DTM

A group of segments containing instructions from the Ordering Customer relating to parties identified in the NAD and FII segments. It specifies action to be taken by the identified parties, and the date (and optionally time) by which such action needs to be taken.

INP

M(1) : Parties to instruction

A segment identifying the party to enact the instruction and the parties to be contacted at or by the associated financial institution on matters concerning the execution of the payment. It specifies where appropriate the instruction in coded form.

FTX

C(1) : Free text

A segment providing free text instruction relating to the associated INP segment.

DTM

C(2) : Date/time/period

A segment specifying the earliest and the latest dates and times by which the instruction specified in the INP and/or FTX segments needs to be carried out.

SG6 C(10) : GIS-MOA-LOC-NAD-RCS-FTX

A group of segments providing information for subsequent use by regulatory authorities requiring statistical and other types of data. It also identifies the regulatory authority for which the information is intended followed by the information itself.

GIS

M(1) : General indicator

A segment identifying what processing should be completed for regulatory authorities.

MOA

C(1) : Monetary amount

A segment giving the amount and the currency of each transaction to be reported.

LOC

C(2) : Place/location identification

A segment giving the different origins/destinations (places) of goods/investment/services.

NAD

C(1) : Name and address

A segment identifying the recipient of the associated informative text.

RCS

C(1) : Requirements and conditions

A segment giving the nature (e.g. goods, transport services) and direction of each transaction to be recorded in coded form.

FTX

C(10) : Free text

A segment giving information, in coded or clear form, to provide information relevant to regulatory authorities requirements.

SG7 C(10) : DOC-DTM

A group of segments providing brief structured cross references to transactions to which the Payment Order relates.

DOC

M(1) : Document/message details

A segment identifying the document(s) relating to the payment order.

DTM

C(1) : Date/time/period

A segment identifying the date of issue of the document(s) described in the preceding DOC segment.

SG8 C(5) : AUT-DTM

A group of segments specifying the details of authentication.

Message structure

UNH, Message header                           M        1
BGM, Beginning of message                     M        1
BUS, Business function                        C        1
PAI, Payment instructions                     C        1
FCA, Financial charges allocation             C        1
DTM, Date/time/period                         M        4
FTX, Free text                                C        5

--- Segment Group 1 ------------------------- C        5 -------+
RFF, Reference                                M        1        |
DTM, Date/time/period                         C        1        |
---- -----------------------------------------------------------+

--- Segment Group 2 ------------------------- M        1 -------+
MOA, Monetary amount                          M        1        |
CUX, Currencies                               C        1        |
DTM, Date/time/period                         C        2        |
RFF, Reference                                C        1        |
---- -----------------------------------------------------------+

--- Segment Group 3 ------------------------- C        4 -------+
FII, Financial institution information        M        1        |
CTA, Contact information                      C        1        |
COM, Communication contact                    C        5        |
---- -----------------------------------------------------------+

--- Segment Group 4 ------------------------- C        6 -------+
NAD, Name and address                         M        1        |
CTA, Contact information                      C        1        |
COM, Communication contact                    C        5        |
---- -----------------------------------------------------------+

--- Segment Group 5 ------------------------- C        4 -------+
INP, Parties to instruction                   M        1        |
FTX, Free text                                C        1        |
DTM, Date/time/period                         C        2        |
---- -----------------------------------------------------------+

--- Segment Group 6 ------------------------- C       10 -------+
GIS, General indicator                        M        1        |
MOA, Monetary amount                          C        1        |
LOC, Place/location identification            C        2        |
NAD, Name and address                         C        1        |
RCS, Requirements and conditions              C        1        |
FTX, Free text                                C       10        |
---- -----------------------------------------------------------+

--- Segment Group 7 ------------------------- C       10 -------+
DOC, Document/message details                 M        1        |
DTM, Date/time/period                         C        1        |
---- -----------------------------------------------------------+

--- Segment Group 8 ------------------------- C        5 -------+
AUT, Authentication result                    M        1        |
DTM, Date/time/period                         C        1        |
---- -----------------------------------------------------------+
UNT, Message trailer                          M        1