Corporate Payments Service Service description

Transcription

1 Crprate Payments Service Service descriptin

2 Cntents 1 Message descriptins Payment rder frm custmer t Nrdea Feedback frm Nrdea t custmer Payment cancellatin request Prerequisites Testing Uplading and dwnlading messages Message prcessing Structure f upladed files File transfer receptin feedback Feedback frmed in further prcessing Feedback frmed in payment prcessing Prcessing f cancellatin requests Schedules Cver check and payment... 9 Payments... 9 Urgent payments Deviatins and investigatins Errr messages Appendix User supprt... 10

3 Crprate Payments Service Nrdea s Crprate Payments Service allws cmpanies t pay all payments made via credit transfer using ne internatinal message standard. In Finland the service cvers the bill payment service, salaries and pensins and crss-brder payments. Custmers can uplad payment messages using Web Services, the file transfer service in Crprate Netbanks r SWIFTNet FileAct. The authenticatin methd depends n the used channel. This service descriptin may be subject t changes. 1 Message descriptins The messages used in the service cmply with the payment message structures f the ISO prcess. The Federatin f Finnish Financial Services (FFI) has published a guide (in Finnish) which describes the message elements and their data cntent used in SEPA payments. Users must als bserve Nrdea s instructins n the data cntent f the messages. The messages supprt batch prcessing, s payment instructins must be given in a Payment Infrmatin batch srted by debit accunt and due date and bunched n Grup level. One Payment Infrmatin level must include all transactins n Credit Transfer Transactin Infrmatin level t be debited t the same accunt n the same date. Salary transactins must be bunched int their wn Payment Infrmatin level batch s that their (aggregate) debit will be reprted n the accunt statement in accrdance with the batch frmed by the custmer. Fr further infrmatin, see the example appendices t the service descriptin. The guide fr banks perating in Finland is available n the website f the Federatin f Finnish Financial Services at: Nrdea s guide is available at under Crprate custmers. The service is based n the messages f the internatinal ISO standard. Fr further infrmatin n the messages, see Payment rder frm custmer t Nrdea The message used in payment rders is Custmer Credit Transfer Initiatin. Its technical name is pain (versin 2) r pain (versin 3). The file type sent t Nrdea s file transfer is NDCORPAYS. 1.2 Feedback frm Nrdea t custmer Nrdea returns a feedback message called Payment Status Reprt. Its technical name is pain (versin 2) r pain (versin 3). The file type dwnladed frm Nrdea s file transfer is NDCORPAYL. Nrdea Crprate Payments Service, Service descriptin May

4 1.3 Payment cancellatin request A payment can be cancelled if it has been acceptably received and nt been frwarded r paid. A cancellatin request is given using the message Payment Cancellatin Request. Its technical name is pain The file type sent t Nrdea s file transfer is NDCORCANS. 2 Prerequisites The payer makes an agreement with Nrdea n using the service. The agreement states the applied service ID, debit accunts and file mediatrs. On the basis f the agreement the custmer can uplad payment rders and cancellatin requests and dwnlad feedback. When uplading crss-brder payments t banks that d nt prcess SEPA payments in a currency ther than the eur r frm an accunt which is nt a eur accunt, yu must als have made an agreement n the transfer f freign currency payments. Nrdea has published a service descriptin f Web Services, which explains the distributin and adptin f the certificate. The service descriptin is available at under Crprate custmers. Befre uplading messages t Nrdea yu must cnfirm frm the schema (either pain r pain ) that the message structures are crrect, and test the messages. 2.1 Testing The custmer r the sftware supplier can test the files using its wn agreement. S far this testing is nly pssible with versin 2. The service ID and accunts used in testing are the custmer s actual accunts that are used in prductin. There are tw alternatives t test using wn agreement. The service agreement between the custmer and Nrdea is updated int test status when the agreement is pened. When testing is ver, the custmer infrms Nrdea t change the status int prductin status. Infrmatin indicating testing is given in a Web Services message. See fr instructins in the Web Services service descriptin. Nrdea als prvides a general test certificate which yu can use t uplad payment rders and cancellatin requests and t dwnlad test feedback thrugh Web Services. Further infrmatin n testing is available at under Crprate custmers. Fr further infrmatin, yu can als cntact E-supprt fr Crprate Custmers; see under User supprt. 3 Uplading and dwnlading messages The measures invlved in uplading and dwnlading messages depend n the used channel and sftware. Message prcessing by Nrdea s file transfer service is described in the belw sectin. Once Nrdea has received a payment rder, the payer can nly delete it by sending a cancellatin request. After a payment has been effected, it can n lnger be deleted. Nrdea Crprate Payments Service, Service descriptin May

5 3.1 Message prcessing The custmer uplads payment rders r cancellatin requests cncerning files sent earlier. The custmer must ensure that the message structure and cntent cmply with the ISO standard and Nrdea s instructins. Nrdea identifies the sender and verifies the sender s authrisatin t uplad the file type in questin. Nrdea gives a file transfer acknwledgement indicating whether the transmissin succeeded r failed and whether the message structure was crrect r nt. Nrdea frms a feedback message indicating successful receptin f the files r pssible errrs. Payment rders f versin 2 get versin 2 feedback and payment rders f versin 3 get versin 3 feedback. Custmer dwnlads a feedback message. If a batch r sme f the transactins are rejected in the bank s system, the custmer receives an errr cde r a ntificatin in the feedback Structure f upladed files Payment rders are frmed int messages, the structure f which is described belw. Message identificatin is indicated n Grup level. Payment Infrmatin level is frmed f the payment rders by due date, debit accunt and payment type. The service IDs in the debit batches n the Payment Infrmatin level included in the message may be different, in which case files f several payers are included in the same message. Transactin Infrmatin level includes the infrmatin n a single payment rder, and that is what Nrdea uses t enter the credit transfer int the beneficiary s accunt with Nrdea r transmits it t anther bank File transfer receptin feedback After receptin, Nrdea s system frms a feedback message. The feedback may cncern the whle message (Grup level) r the debit batch (Payment Infrmatin level) r crediting (Credit Transfer level). The feedback messages are described in the example appendix. The payment message has been received, accepted technically and transactins are frwarded fr further prcessing: The Grup Status f the feedback message is ACTC. 1 The feedback message includes the identificatin infrmatin (MessageIdentificatin and CreatinDateTime) f the riginal message. The entire payment message is rejected: The Grup Status f the feedback message is RJCT. The feedback message includes the identificatin infrmatin (MessageIdentificatin and CreatinDateTime) f the riginal message. 1 Fr descriptins f the Status cdes, see the Example appendix. Nrdea Crprate Payments Service, Service descriptin May

6 Part f the batches in a payment message were rejected: The Grup Status f the feedback message is PART. The feedback message includes the identificatin infrmatin (MessageIdentificatin and CreatinDateTime) f the riginal message. The identificatin infrmatin (PaymentInfrmatinIdentificatin) f the rejected batch is in the feedback message 2 An uncnfirmed batch in file transfer in Crprate Netbank is rejected: The status f the batch is RJCT. The feedback message includes the identificatin infrmatin (MessageIdentificatin, CreatinDateTime and PaymentInfrmatinIdentificatin) f the riginal message Feedback frmed in further prcessing After receptin, payment rders are frwarded fr further prcessing where they are checked again and feedback n a mre detailed level is frmed. Further prcessing determines the cntent f the feedback. In versin 3, the feedback n ne payment file is gathered int ne feedback message. All payment rders have been acceptably received and are frwarded fr payment n the due date they have been instructed t be debited: The Grup Status f the feedback message is ACCP. The feedback message includes the identificatin infrmatin (MessageIdentificatin and CreatinDateTime) f the riginal message. The ACCP feedback in versin 3 is always given n the debit level (Payment Infrmatin level) The payment rders have been cnfirmed and apprved at different times (eg in file transfer in Crprate Netbank) and they have been frwarded fr payment n the due date: The status f the feedback message is ACCP. The feedback message includes the identificatin infrmatin (MessageIdentificatin, CreatinDateTime and PaymentInfrmatinIdentificatin/PaymentIdentificatin) f the riginal message. Part f the payment rders have been accepted and part f them have been rejected. The acceptance r rejectin may cncern ne batch, in which case the identifier PaymentInfrmatinIdentificatin f the debit batch is returned, r it may cncern an individual payment in which case PaymentIdentificatin is returned. The Grup Status f the feedback message is PART. The feedback message includes the identificatin infrmatin 2 PaymentInfrmatinIdentificatin is the identifier f the debit batch; nt bligatry but recmmended in versin 2 and bligatry in versin 3. Nrdea Crprate Payments Service, Service descriptin May

7 (MessageIdentificatin and CreatinDateTime) f the riginal message. The feedback n accepted payment rders is given n the debit level with the status ACCP. The feedback message includes the identificatin infrmatin (MessageIdentificatin, CreatinDateTime and PaymentInfrmatinIdentificatin) f the riginal message. The feedback n rejected payment rders is given n the transactin level; their status is RJCT. The feedback message includes the identificatin infrmatin (MessageIdentificatin, CreatinDateTime and PaymentInfrmatinIdentificatin/PaymentIdentificatin) f the riginal message Feedback frmed in payment prcessing When making the agreement, the custmer chses whether t receive payment feedback fr all transactins r nly fr thse rejected. In SEPA credit transfers the feedback is given fr each debit and in freign currency payments fr each credit transactin. A Credit Transfer transactin has been paid The batch r transactin status is ACSC. The feedback message includes the identificatin infrmatin (MessageIdentificatin and CreatinDateTime) f the riginal message. The feedback message includes the identificatin infrmatin (PaymentInfrmatinIdentificatin / PaymentIdentificatin) f the riginal message. A Credit Transfer transactin has been rejected: The batch r transactin status is RJCT. The feedback message includes the identificatin infrmatin (MessageIdentificatin and CreatinDateTime) f the riginal message. The feedback message includes the identificatin infrmatin (PaymentInfrmatinIdentificatin / PaymentIdentificatin) f the riginal message. A Credit Transfer transactin is pending fr cver. The batch r transactin status is PDNG. The feedback message includes the identificatin infrmatin (MessageIdentificatin and CreatinDateTime) f the riginal message. The feedback message includes the identificatin infrmatin (PaymentInfrmatinIdentificatin / PaymentIdentificatin) f the riginal message. The exceptin are freign currency payments, which are subject t the pending prcedure fr electrnic freign currency payments. PDNG feedback is nt frmed fr these. 3 PaymentIdentificatin cntains EndTEndIdentificatin and InstructinIdentificatin identifying the credited amunt. Nrdea Crprate Payments Service, Service descriptin May

8 3.1.5 Prcessing f cancellatin requests Cancellatin requests are prcessed when they cncern payments that have been acceptably received and fr which ACCP feedback has been frmed, and have nt yet been paid r frwarded t the payment system f freign currency payments. A precnditin fr a cancellatin request is that the riginal payment had the reference f the debit batch (PaymentInfrmatinIdentificatin). Cancellatin requests are frmed int a message, the structure f which is described belw. Cancellatin message identificatin is indicated n Grup level. All cancellatin requests n ne Grup level must have the same service ID. Original Grup Infrmatin includes the identificatin f the riginal message. Transactin Infrmatin includes the identificatin f ne r mre batches r transactins. After the batch r payment has been cancelled, a feedback message f versin 2 is sent in reply t an acceptably received cancellatin request. The feedback status is ACCR. 3.2 Schedules Nrdea prcesses files sent t file transfer accrding t the service-specific schedules presented belw. Times are Finnish time (EET, East Eurpean Time zne). Payment type SEPA payments Time Files received by n the payment date are paid n the same banking day. Crprate Netbank files must be cnfirmed by at the latest. Files received after n the payment date (debit date) are prcessed n the next banking day. Files can be sent t wait fr payment three mnths befre the payment date. Credit transfers are transmitted t the payee s bank during the same day if the credit transfers have been received befre EET. Credit transfers received after this will be transmitted t the payee s bank the next banking day. SEPA salaries Files received by n the payment date (debit date) are prcessed n the same banking day. Files received after n the payment date (debit date) are rejected. The cver f salary files must be in the payer s accunt by n the debit date at the latest. Hwever, we recmmend that the cver is transferred in gd time t ensure that the salaries are available n time. Urgent payments t Nrdea Urgent payments t ther Finnish banks Urgent payments t accunts with Nrdea are prcessed during n banking days. Urgent payments t ther Finnish banks are prcessed during n banking days. Urgent payments received after and intended fr Nrdea Crprate Payments Service, Service descriptin May

9 payment n the same banking day are rejected. Exceptins are New Year s Eve and Maundy Thursday when files must reach Nrdea by Freign currency payments Files received by n the payment date are prcessed n the same banking day. Exceptins are New Year s Eve and Maundy Thursday when files must reach Nrdea by Payments received during are prcessed, where pssible, n the same day. If yu want t be sure that payments are nt prcessed n the date f transmissin, send them t Nrdea after Cancellatin requests Cancellatin requests can be sent any time f the day and they are prcessed right away. 3.3 Cver check and payment The custmer s accunt must have cver fr the entire file n the payment date. Cver is checked befre payment prcessing. By default the file ttal is debited t the accunt, but each transactin can be debited separately if the custmer s wishes. Payments Payment runs that make a cver check are at 7.00, 10.00, 11.30, 13.00, 15.00, and n banking days. The times are indicative and can vary daily. Files upladed n the payment date are transferred t the next cnsecutive payment run after receptin. Urgent payments r file priritisatin can be used fr balance transfers. With file priritisatin yu can direct certain payments f yur intercmpany payments t be executed first. See further infrmatin in Priritise file prcessing in the example appendix. Fr urgent payments yu must use urgent payment, as payment runs are independent f each ther. The credit entries f the previus payment run may nt shw in the accunt when the next run starts. Files with insufficient cver are transferred t the next payment run. If the debit accunt has n cver even in the last payment run f the day, the file is rejected. Urgent payments Urgent payment files are frwarded fr payment within abut an hur after receptin. Urgent payments lacking cver are rejected immediately and are nt left fr reexecutin. Nrdea Crprate Payments Service, Service descriptin May

10 4 Deviatins and investigatins The custmer must dwnlad feedback always when it has been created. We recmmend that yu make an autmatic dwnlad request regarding dwnladed file types in accrdance with the schedule given in the previus sectin. E-supprt fr Crprate Custmers assists in investigatins. When yu call E-supprt, yu will need yur user ID (Web Services and Crprate Classic Netbank) r lgn ID (Crprate Netbank). 4.1 Errr messages Errr messages apply the rejectin cdes defined by the ISO standard. The NARR cde is used when a suitable cde is nt available in the message standard. The NARR cde includes an explanatin which is given in the language registered in the agreement. The alternatives are Finnish, Swedish and English. Yu can find the errr messages in a separate table which lists the standard cdes used by Nrdea and the errr messages transmitted via the NARR cde, defined by Nrdea. The table is included in the example appendix t the service descriptin. 5 Appendix See further instructins n hw t frm payment files and cancellatin requests in the example appendix t the Crprate Payments Service service descriptin. 6 User supprt E-supprt fr Crprate Custmers in Finnish Open n banking days frm 8.00 t 18.00, n shrt banking days frm 8.00 t Lcal netwrk charge/mbile call charge E-supprt fr Crprate Custmers in Swedish Open n banking days frm 9.00 t 16.30, n shrt banking days frm 9.00 t Lcal netwrk charge/mbile call charge E-supprt fr Crprate Custmers in English Open n banking days ; n shrt banking days Lcal netwrk charge/mbile call charge. Nrdea Crprate Payments Service, Service descriptin May