ING Format Description Transaction Details Camt InsideBusiness Connect InsideBusiness Payments SwiftNet FileAct EBICS

Transcription

1 ING Format Transaction Details Camt InsideBusiness Connect InsideBusiness Payments SwiftNet FileAct EBICS

2 Document version history Version Date Changes First version Updated Incoming payments added Updated Minor corrections on missing information Updated New version covering all transaction groups Updated CGI version added ING Format Camt v3.0 2

3 Introduction Reference guidelines Camt.054 Transaction Details The Camt Debit Credit Notifications is a standard ISO message for electronic banking reporting ( but is also used for reporting of Transaction Details. This document provides guidelines to enable organisations to implement the Transaction Details Message into their systems and processes. The camt.054 Implementation Guidelines (ISO Cash Management V2 - CGI MIG B2C DebitCredit Notification) as provided by CGI (Common Global Implementation) are taken as a reference ( As of August 2017 ING supports 2 different versions of the camt.054. In the previous version the camt.053 Implementation Guidelines version 1.0 as provided by the Dutch Banking Association (NVB) was taken as a reference. The differences are documented in the appendix. Within the Camt.054 Transaction Details different types of transactions can be reported. A company can have one or more groups reported in one Transaction Details report. It is also possible to receive a separate report per transaction type group. Additionally a debit and/or credit amount limit per Camt.054 Transaction Details report can be set. ING currently offers the Camt.054 Transaction Details for following groups: SEPA Credit Transfer SEPA Credit Transfer Multiple SEPA Credit Transfer Urgent SEPA Credit Transfer R-message Domestic Credit Transfer Single Domestic Credit Transfer Multiple Domestic Credit Transfer Return Accept Giro Card Payment Card Withdrawal Cash Balancing Transaction Cash Deposit Cash Withdrawal Cheque Ideal International Credit Transfer Salary Payment Incoming Payments* Details of Global booking Vitrual Bank Account Sweeps SEPA Direct Debit B2B SEPA Direct Debit Core SEPA Direct Debit B2B R-message SEPA Direct Debit Core R-message Domestic Direct Debit Domestic Direct Debit Return Interest Charges *Incoming payments can t be mixed with one of the other groups Note: A group is only relevant if the products exist in the country of the account. Always contact your ING contact person on the specific group for availability. ING Format Camt v3.0 3

4 Coverage This Camt.054 is available in the following countries: Austria (AT) France (FR) Germany (DE) Italy (IT) The Netherlands (NL) Portugal (PT) Spain (ES) Switzerland (CH) United Kingdom (GB) Please note This format description is an addition to the current ISO camt Message Definition Report. The ISO Message Definition Report (MDR), Message Usage Guideline (MUG) and XML Schema can be downloaded from: Annex ING Transaction Codification This format description is supported by the Annex ING Transaction Codification. ING Format Camt v3.0 4

5 Contents 1. Explanation of terminology 6 2. Structure Camt messages 7 3. Message Item 8 4. Message Item Contents 14 Appendix Differences between CGI version and NVB 1.0 version 20 Document owner: Commercial Product Management Account Reporting Effective date: August 2017 Last reviewed August 2017 Version: 3.0 ING Bank N.V This document is an internal publication of ING Wholesale Banking ING Format Camt v3.0 5

6 1. Explanation of terminology Notation The terminology below are frequently used and are important for the understanding of the Customer Account Report / Statement Messages. Notation ISO General Level Explanation The number of the XML Tag as stated in the ISO description of camt The number of the subfields as stated in the ISO description of camt This field indicates the level of each XML Tag within the according to the ISO description of camt * The asterisk refers to more details in chapter Message item contents. Message Item Multiplicity The name of the XML Tag written in full. "[n..m]" reflects the number of occurrences of the tag (minimum (n) and maximum (m)) according to the ISO description of camt The plus sign ( + ) refers to the subfields available in the camt structure. {Or Or} Amounts Date DateTime {Or..Or} after the concerned elements indicates that only one of the elements will be present. The decimal separator is a dot. The number of fractional digits (or minor unit of currency) complies with ISO Examples: <Amt Ccy= EUR > </Amt> <Amt Ccy= JPY > </Amt> dates are reported as YYYY-MM-DD as specified in ISO 8601 and is an internationally agreed way to represent dates. Example: DateTime is always reported as specified in ISO 8601 (complete date plus hours, minutes, seconds and a decimal fraction of a second), unless mentioned otherwise. Format: YYYY-MM-DDThh:mm:ss.sTZD Example: T02:52: :00 Character set ING uses the UTF8 character set, except the (pipe) and { } (curly braces) character. ING Format Camt v3.0 6

7 2. Structure Camt messages The Camt.054 is an Transaction Details message which will be delivered at End of day. This means ING will provide this type of message after closing of each Target Day as an electronic file. A Camt.054 Transaction Details message provides all necessary information on a selected group of transactions. The total set of transactions is reported in the End of Day Account Statement, whereas the individual transactions types selected are reported in the Camt.054. The report exists of one group header and at least one Notification. Each Notification consists of booked entries on the account. An entry of a global payment will contain Batch details, an entry of a single payment will contain Transaction details. No notification will be delivered in case of no entries on the account. The structure of the camt.054 message is shown in the image below. Camt.054 Name Mult. 1.0 Group header Notification 1-n 2.56 Entry 1-n Entry details 1-n Batch details Transaction details 0-n ING Format Camt v3.0 7

8 3. Message Item Group Header This segment is mandatory and occurs only once in a message. It contains common information for the message such as Message Identification, Creation Date Time and Identification. ISO Gen Lvl Tag name Message Item Mult <GrpHdr> Group Header [1..1] <MsgId> * Message Identification [1..1] <CreDtTm> * Creation Date Time [1..1] <MsgRcpt> Message Recipient [0..1] <Nm> Name [0..1] <Id> Identification [0..1] <OrgId> Organisation Identification [1..1] <Othr> Other [0..1] <Id> * Identification [1..1] Notification This segment is mandatory and repetitive, in case multiple account reporting is selected. It will occur repeatedly for each account for which a report / statement is provided. The notification contains booked debit and/or credit entries. ISO Gen Lvl Tag name Message Item Mult <Ntfctn> Notification [1..n] <Id> * Identification [1..1] <ElctrncSeqNb> * Electronic Sequence Number [0..1] <LglSeqNb> Legal Sequence number [0..1] <CreDtTm> Creation Date Time [1..1] <FrToDt> From To Date [0..1] <FrDtTm> * From Date Time [1..1] <ToDtTm> * To Date Time [1..1] <Acct> Account [1..1] <Id> Identification [1..1] <IBAN> IBAN [1..1] <Tp> Type [0..1] <Cd> * Code [1..1] <Ccy> Currency [0..1] ING Format Camt v3.0 8

9 ISO Gen Lvl Tag name Message Item Mult <Ownr> Owner [0..1] <Nm> Name [0..1] <Svcr> Servicer [0..1] <FinInstnId> Financial Institution Identification [1..1] <BIC> BIC [0..1] <TxsSummry> Transactions Summary [0..1] <TtlNtries> Total Entries [0..1] <NbOfNtries> Number Of Entries [0..1] <Sum> Sum [0..1] <TtlCdtNtries> Total Credit Entries [0..1] <NbOfNtries> Number Of Entries [0..1] <Sum> Sum [0..1] <TtlDbtNtries> Total Debit Entries [0..1] <NbOfNtries> Number Of Entries [0..1] <Sum> Sum [0..1] Entry In case no Entries of the requested type are booked on the account no Notification will be delivered. ISO Gen Lvl Tag name Message Item Mult <Ntry> Entry [1..n] <NtryRef> Entry Reference [0..1] <Amt> * Amount [1..1] <CdtDbtInd> Credit Debit Indicator [1..1] <RvslInd> Reversal Indicator [0..1] <Sts> * Status [1..1] <BookgDt> Booking Date [0..1] <Dt> Date [1..1] <ValDt> Value Date [0..1] <Dt> Date [1..1] <AcctSvcrRef> * Account Servicer Reference [0..1] <BkTxCd> * Bank Transaction Code [1..1] <Domn> Domain [0..1] <Prtry> Proprietary [0..1] ING Format Camt v3.0 9

10 ISO Gen Lvl Tag name Message Item Mult <Cd> * Code [1..1] <Issr> * Issuer [0..1] <InstdAmt> Instructed Amount [0..1] <Amt> Amount [1..1] <CcyXchg> Currency Exchange [0..1] <SrcCcy> Source Currency [1..1] <XchgRate> Exchange Rate [1..1] Entry Details If the "Entry" segment is reported, this segment will also be reported. This segments contains elements such as Batch and Transaction Details which provide details on the entry. ISO Gen Lvl Tag name Message Item Mult <NtryDtls> Entry Details [1..n] Batch This segment is conditional, meaning it will only reported in case of a batch booking. ISO Gen Lvl Tag name Message Item Mult <Btch> Batch [0..1] <PmtInfId> Payment Information Identification [0..1] <NbOfTxs> Number Of Transactions [0..1] <TtlAmt> Total Amount [0..1] <CdtDbtInd> Credit Debit Indicator [0..1] Transaction Details This segment is conditional, meaning it will only be reported in case of single transactions ISO Gen Lvl Tag name Message Item Mult <TxDtls> Transaction Details [0..n] <Refs> References [0..1] <AcctSvcrRef> Account Servicer Reference [0..1] <PmtInfId> Payment Information Identification [0..1] <InstrId> * Instruction Identification [0..1] ING Format Camt v3.0 10

11 ISO Gen Lvl Tag name Message Item Mult <EndToEndId> End To End Identification [0..1] <MndtId> Mandate Identification [0..1] <ChqNb> * Cheque Number [0..1] <AmtDtls> Amount Details [0..1] <InstdAmt> Instructed Amount [0..1] <Amt> Amount [1..1] <CcyXchg> Currency Exchange [0..1] <SrcCcy> Source Currency [1..1] <XchgRate> Exchange Rate [1..1] <TxAmt> Transaction Amount [0..1] <Amt> Amount [1..1] <BkTxCd> * Bank Transaction Code [0..1] <Domn> Domain [0..1] <Prtry> Proprietary [0..1] <Cd> * Code [1..1] <Issr> * Issuer [0..1] <Chgs>* Charges [0..n] <Amt> Amount [1..1] <CdtDbtInd> Credit Debit Indicator [1..1] <Pty> Party [0..1] <FinInstnId> Financial Institution Identification [1..1] <BIC> BIC [0..1] <Intrst>* Interest [0..n] <Amt> Amount [1..1] <CdtDbtInd> Credit Debit Indicator [1..1] <Rsn> Reason [0..1] <RltdPties> Related Parties [0..1] <Dbtr> * Debtor [0..1] <Nm> Name [0..1] <PstlAdr> Postal Address [0..1] <Id> Identification [0..1] + ING Format Camt v3.0 11

12 ISO Gen Lvl Tag name Message Item Mult <DbtrAcct> * Debtor Account [0..1] <Id> Identification [1..1] <IBAN> IBAN [1..1] {Or <Othr> Other [1..1] Or} <Id> Identification [1..1] <UltmtDbtr> Ultimate Debtor [0..1] <Nm> Name [0..1] <Id> Identification [0..1] <Cdtr> * Creditor [0..1] <Nm> Name [0..1] <PstlAdr> Postal Address [0..1] <Id> Identification [0..1] <CdtrAcct> * Creditor Account [0..1] <Id> Identification [1..1] <IBAN> IBAN [1..1] {Or <Othr> Other [1..1] Or} <Id> Identification [1..1] <Tp> Type [0..1] <Prtry> * Proprietary [1..1] <UltmtCdtr> Ultimate Creditor [0..1] <Nm> Name [0..1] <Id> Identification [0..1] <Prtry>* Proprietary [0..1] <RltdAgts> Related Agents [0..1] <DbtrAgt> * Debtor Agent [0..1] <FinInstnId> Financial Institution Identification [1..1] <BIC> BIC [0..1] <CdtrAgt> * Creditor Agent [0..1] ING Format Camt v3.0 12

13 ISO Gen Lvl Tag name Message Item Mult <FinInstnId> Financial Institution Identification [1..1] <BIC> BIC [0..1] <IntrmyAgt1> * Intermediary Agent 1 [0..1] <FinInstnId> Financial Institution Identification [1..1] <BIC> BIC [0..1] <IntrmyAgt2> * Intermediary Agent 2 [0..1] <FinInstnId> Financial Institution Identification [1..1] <BIC> BIC [0..1] <IntrmyAgt3> * Intermediary Agent 3 [0..1] <FinInstnId> Financial Institution Identification [1..1] <BIC> BIC [0..1] <Purp> Purpose [0..1] <Cd> Code [1..1] <RmtInf> Remittance Information [0..1] <Ustrd> Unstructured [0..n] <Strd> Structured [0..n] <CdtrRefInf> Creditor Reference Information [0..1] <Tp> Type [0..1] <CdOrPrtry> Code Or Proprietary [1..1] <Cd> * Code [1..1] <Issr> * Issuer [0..1] <Ref> * Reference [0..1] <RltdDts> Related Dates [0..1] <TxDtTm> Transaction Date Time [0..1] <RtrInf> Return Information [0..1] <Rsn> Reason [0..1] <Cd> * Code [1..1] <AddtlInf> Additional Information [0..n] <AddtlTxInf> Additional Transaction Information [0..1] <AddtlNtryInf> Additional Entry Information [0..1] <AddtlNtfctnInf> Additional Notification Information [0..1] ING Format Camt v3.0 13

14 4. Message Item Contents Group Header The following Message Item specifics are applicable to Group Header. 1.1 Message Identification <MsgId> Unique message identification assigned by ING. 1.2 Creation Date Time <CreDtTm> Format: YYYY-MM-DDThh:mm:ss.sTZD Example: T02:35: : Identification (9.1.16) <Id> Filled with ING client identification. Statement The following Message Item specifics are applicable to Statement. 2.1 Identification <Id> Unique identification number per statement, e.g Electronic Sequence Number <ElctrncSeqNb> Sequence number added by ING. Reset on the 1st target day of the year. 2.5 From Date Time (5.1.0) <FrDtTm> The time representation in this message item must be interpreted as local time. Format: YYYY-MM-DDThh:mm:ss Example: T00:00: To Date Time (5.1.1) <ToDtTm> The time representation in this message item must be interpreted as local time. Format: YYYY-MM-DDThh:mm:ss Example: T23:59: Code (1.2.9) <Cd> Fixed value: CACC (Current Account) Name (1.2.14) <Nm> The name of the account owner. ING Format Camt v3.0 14

15 2.10 BIC (1.2.58) <BIC> NL AT CH DE ES FR IT PT UK INGBNL2A INGBATWW BBRUCHGT INGBDEFF BBRUESMX INGBFRPP INGBITMM BBRUPTPL INGBGB Identification (1.2.77) <Id> Not supported. Entry The following Message Item specifics are applicable to Entry Amount <Amt> Amount including currency code. Example: <Amt Ccy= EUR >123.00</Amt> 2.61 Status <Sts> Fixed value: BOOK Account Servicer Reference <AcctSvcrRef> Contains unique ING reference Bank Transaction Code <BkTxCd> Depending on the settings (contract) as agreed upon with ING. In addition to the default ISO transaction codes the ING transaction code, Swift code or local code will be reported in the proprietary field. Please see ING Codification Annex Domain <Domn> Please see the ISO transaction codes in the ING Codification Annex 2.78 Code <CD> Please see the ING transaction codes in the ING Codification Annex ING Format Camt v3.0 15

16 2.79 Issuer <Issr> Fixed value: ING Group for ING transaction codes Fixed value: SWIFT for SWIFT codes Fixed value: BBA for local Belgium transaction codes Fixed value: DK for local German transaction codes Batch The following Message Item specifics are applicable to Batch. Transaction Details The following Message Item specifics are applicable to Transaction Details Instruction Identification <InstrId> Not supported Cheque Number <ChqNb> FR, UK Rest of countries Supported Not supported Bank Transaction Code <BkTxCd> Depending on the settings (contract) as agreed upon with ING. In addition to the default ISO transaction codes please see ING Codification Annex. The ING transaction code will be reported in the proprietary field Code <Cd> Please see the ING transaction codes in the ING Codification Annex Issuer <Issr> Fixed value: ING Group for ING transaction codes Fixed value: SWIFT for SWIFT codes Fixed value: BBA for local Belgium transaction codes Fixed value: DK for local German transaction codes Charges <Chgs> DE, AT Rest of countries Supported in case of SEPA Direct Debit Interchange fees and/or ING fees Not supported ING Format Camt v3.0 16

17 2.166 Interest <Intrst> DE, AT Rest of countries Supported in case of SEPA Direct Debit Refund compensation Not supported Debtor <Dbtr> In case the booked entry is a credit transaction, the details of the counterparty will be reported in <Dbtr> and underlying message items Postal Address (9.1.1) <PstlAdr> Depending on the settings (contract) as agreed upon with ING Debtor Account <DbtrAcct> In case the booked entry is a credit transaction, the account details of the counterparty will be reported in <DbtrAcct> and underlying message items Proprietary (to Type ( )) <Prtry> Fixed value: General Creditor <Cdtr> In case the booked entry is a debit transaction, the details of the counterparty will be reported in <Cdtr> and underlying message items Postal Address (9.1.1) <PstlAdr> Depending on the settings (contract) as agreed upon with ING Creditor Account <CdtrAcct> In case the booked entry is a debit transaction, the account details of the counterparty will be reported in <CdtrAcct> and underlying message items Proprietary (to Type ( )) <Prtry> Fixed value: General. ING Format Camt v3.0 17

18 2.188 Proprietary <Prty> In case the entry is a transaction related to a SEPA direct debit the Creditor Scheme Identification of the Creditor is reported in the subfield (9.1.28) Party Type contains fixed value: CreditorSchemeIdentification and (9.1.30) fixed value: SEPA Debtor Agent <DbtrAgt> In case the booked entry is a credit transaction, the BIC of the counterparty s agent will be reported in the designated message item within <DbtrAgt> Creditor Agent <CdtrAgt> In case the booked entry is a debit transaction, the BIC of the counterparty s agent will be reported in the designated message item within <CdtrAgt> Intermediary Agent 1 <IntrmyAgt1> Not supported Intermediary Agent 2 <IntrmyAgt2> Not supported Intermediary Agent 3 <IntrmyAgt3> Not supported Code (to Creditor Reference Information) <Cd> NL Fixed value: SCOR Issuer (to Creditor Reference Information) <Issr> NL BE Value: CUR for Dutch Betalingskenmerk acceptgiro. Value: BBA for Belgium Betalingskenmerk. Value: ISO for ISO Structured Reference. ING Format Camt v3.0 18

19 2.242 Reference (to Creditor Reference Information) <Ref> Payment reference Code (to Return Information) <Cd> For ISO Return Reason codes please see the ING Codification Annex Additional Transaction Information <AddtlTxInf> Can be filled in case of non-sepa payments. ING Format Camt v3.0 19

20 Appendix Differences between CGI version and NVB 1.0 version As of August 2017 ING offers two versions of the CAMT.053 and CAMT.052. As standard setup the latest version will be activated. The difference between the 2 versions are mentioned in the table below. Field NVB 1.0 CGI version (NVB 2.0) Entry amount Reported in 2.58 Reported in 2.58 and additionally in TotalAmount in case of global booking and TransactionAmount in case of single booking Creditor Scheme Identification R-message Reported in and subfields Related Parties (Debtor, Creditor, Debtor Agent, Creditor Agent) are reported according to the booked Reversal Reported in Proprietary and subfields Related Parties (Debtor, Creditor, Debtor Agent, Creditor Agent) are reported according to the original transaction ING Format Camt v3.0 20

21 More information For more information about the ING Format description Transaction Details Camt.054, please contact your ING account manager ING Format Camt v3.0 21