UBS Implementation

Guidelines
Swiss Payment Standards for credit
transfers
pain.001.001.03.ch.02 - SPS Version 1.9

UBS Version 1.0 April 2019

 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Table of Contents

1. Credit Transfer message 3

1.1 Scope of application of this document 3
1.2 Flow of messages in accordance with Swiss Payment Standards 3

2. Technical specifications 4
2.1 UBS Implementation 4
2.2 Structure of pain.001 message 4
2.3 Explanation of statuses used in this chapter 4
2.4 Supported Header 5

3. Amendment control 6

4. Interbank limitation 51

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 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

1.Credit Transfer message

1.1 Scope of application of this document 1.2 Flow of messages in accordance with Swiss
This brochure is designed to inform you about technical Payment Standards
aspects of using the credit transfer message pain.001 at The message standard recommended by Swiss financial
UBS. The document is valid within the following scope of institutions, the Swiss Payment Standards is based on the
application: ISO 20022 Payments Standard. The chart below provides
an overview of the flow of messages currently supported
Characteristics Scope of application by UBS and shows the use of pain.001 in the context of
Use of message Swiss Payment Standards for the end-to-end message flow:
credit transfers for domestic
and international transfers
Product Credit Transfer
Service Payment order
Message type Debtor
available to
Recommendation Swiss Payment Standards
Schema pain.001.001.03.ch.02
Implementation 1.9 – 11.02.2019
Guide Version
Valid as of 18.11.2019
Available through For clients of UBS
UBS electronic Switzerland AG
interfaces • UBS KeyPort
• UBS E-Banking XML
upload
• UBS E-Banking Data
Interface (OFX)

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 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

2.Technical specifications
2.1 UBS Implementation
The UBS Implementation Guideline for Credit Transfer
– this document – contains technical specifications ISO 20022 Payments Standard
and instructions for the technical and business
implementation of Credit Transfers pain.001 message http://www.iso20022.org/payments_messages.page
in accordance with the Swiss Payment Standards (see
section 1.1) and consequently also the ISO 20022
Payments Standard. Swiss Payment Standards

All Credit Transfer messages transmitted to UBS must http://www.six-interbank-

comply with ISO 20022 Payments Standard, Swiss clearing.com/de/home/standardization/iso-
Payment Standards and UBS Implementation as payments/customer-bank.html
outlined in this document.

The diagram beside shows the interaction of the ISO

20022 Payments Standard, Swiss Payment Standards UBS Implementation
and UBS Implementation with a link to the respective
rules and guidelines that must be adhered to. https://www.ubs.com/iso20022

2.2 Structure of pain.001 message

The pain.001 XML message is essentially structured as
follows:

• A-Level: message level, "Group Header". This

block must occur exactly once.

• B-Level: debtor side, "Payment Information". This

block must occur at least once and generally
2.3 Explanation of statuses used in this chapter
comprises several C-levels.
The following statuses (information about usage) are
• C-Level: creditor side, "Credit Transfer permitted for individual XML elements according to
Transaction Information". This block must occur the Swiss Payment Standards (Implementation
at least once for each B-level. It comprises all the Guidelines V1.9 and Business Rules V2.8) based on the
C-levels (transactions) belonging to the B-level ISO 20022 Payments Standard.
(debit).
M = Mandatory
R = Recommended (should be used)
D = Dependent (depending on other elements)
BD = Bilaterally Determined (only permitted by
agreement with the financial institution)
O = Optional
N = Not allowed

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 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

2.4 Supported Header

Message type pain.001

XML Schema Definition (XSD) pain.001.001.03.ch.02.xsd
IG Version 1.9
Header <Document xmlns="http://www.six-interbank-clearing.com/de/pain.001.001.03.ch.02.xsd"
xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
xsi:schemaLocation="http://www.six-interbank-clearing.com/de/pain.001.001.03.ch.02.xsd
pain.001.001.03.ch.02.xsd">

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 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

3.Amendment control
SPS UBS Date Amendment description to previous
Version Version version
SPS V1.8 / UBS V1.0
1.9 1.0 18.11.2019 Various field description have been specified:
Level Path Tag Changes
A +CstmrCdtTrfInitn NbOfTxs Amended: File transfer via E-Banking,
++GrpHdr splitting of B-Levels if more than 999 C-
+++NbOfTxs Levels
B +CstmrCdtTrfInitn PmtInfId Amended: File transfer via E-Banking,
++PmtInf splitting of B-Levels if more than 999 C-
+++PmtInfId Levels
B +CstmrCdtTrfInitn BtchBookg A B-Level may contain only one
++PmtInf payment currency over all C-Levels.
+++BtchBookg

B +CstmrCdtTrfInitn Cd Payment Types 4 and 6 (Domestic

++PmtInf Payment in foreign currencies and
+++PmtTpInf International Payments, ISO codes URGP
++++SvcLvl and SDVA will be further processed to
+++++Cd the Beneficiary Bank.
B +CstmrCdtTrfInitn Cd Value "CPP" (Payment Method 'CHK' )
++PmtInf will be ignored
+++PmtTpInf
++++LclInstrm
+++++Cd

C +CstmrCdtTrfInitn Cd Payment Types 4 and 6 (Domestic

++PmtInf Payment in foreign currencies and
+++CdtTrfTxInf International Payments, ISO codes URGP
++++PmtTpInf and SDVA will be further processed to
+++++SvcLvl the Beneficiary Bank
++++++Cd

C +CstmrCdtTrfInitn Cd Value "CPP" (Payment Method 'CHK' )

++PmtInf will be ignored
+++CdtTrfTxInf
++++PmtTpInf
+++++LclInstrm
++++++Cd

C +CstmrCdtTrfInitn Amt A B-Level may contain only one

++PmtInf payment currency over all C-Levels.
+++CdtTrfTxInf
++++Amt

C +CstmrCdtTrfInitn AddtlRmtInf In case of Payment Type 3, the content

++PmtInf of this element will be further processed
+++CdtTrfTxInf to the beneficiary bank. For all other
++++RmtInf Payment Type the content will be
+++++Strd ignored
++++++AddtlRmtInf

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 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

A Document ISO Name: Customer Credit Transfer Initiation V03
+CstmrCdtTrfInitn XML Name: CstmrCdtTrfInitn
ISO Definition: The CustomerCreditTransferInitiation message is sent
ISO Index: by the initiating party to the forwarding agent or
Cardinality: 1..1 debtor's agent.
CH Status: M It is used to request movement of funds from debtor's
account to a creditor.
A Document ISO Name: Group Header
+CstmrCdtTrfInitn XML Name: GrpHdr
++GrpHdr ISO Definition: Set of characteristics shared by all individual
transactions included in the message.
ISO Index: 1
Cardinality: 1..1
CH Status: M
A Document ISO Name: Message Identification
+CstmrCdtTrfInitn XML Name: MsgId
++GrpHdr ISO Definition: Point to point reference, as assigned by the
+++MsgId instructing party, and sent to the next party in the
chain to unambiguously identify the message.
ISO Index: 1.1 Usage: The instructing party has to make sure that
Cardinality: 1..1 MessageIdentification is unique per instructed party
CH Status: M for a pre-agreed period.
Length: 1 .. 35 CH Definition: Checking for duplicates usually takes place at the
Errorcode: DU01 Swiss financial institutions at document (message)
level. This is why the "Message Identification"
<MsgId> element must have a unique value. The
uniqueness is checked by most of the financial
institutions over a period of at least 90 days. It is
recommended that the "Message Identification" is
generally kept unique for as long as possible.
Only the SWIFT character set is permitted for this
element (see section 2.4.1).
UBS Notes: UBS keeps Message ID data for 90 days. The Message
Id must be unique for a period of 90 calendar days. If
the same Message ID is used within 90 days, then the
whole pain.001 will be rejected with Status Reason
Code DU01. Original Message ID and Message Name
ID (pain.001.001.03.ch.02) will be reported in the
pain.002 status message (B-Level).
UBS Example: <MsgId>MSGID-4711-160302115114-00</MsgId>
A Document ISO Name: Creation Date Time
+CstmrCdtTrfInitn XML Name: CreDtTm
++GrpHdr ISO Definition: Date and time at which the message was created.
+++CreDtTm CH Definition: Recommendation: Should be the same as the actual
date/time of creation.
ISO Index: 1.2 UBS Notes: The value must be within the following range:
Cardinality: 1..1 • Not more than 90 calendar days in the past.
CH Status: M • Not more than 1 calendar days in the future.
Errorcode: DT01 If value is out of this range or if the date is invalid (e.g.
2016-02-30), the whole file will be rejected with
Status Reason Code DT01.
UBS Example: <CreDtTm>2015-12-21T11:51:14</CreDtTm>
A Document ISO Name: Number Of Transactions
+CstmrCdtTrfInitn XML Name: NbOfTxs
++GrpHdr ISO Definition: Number of individual transactions contained in the
+++NbOfTxs message.
CH Definition: If there is an error, the whole message is rejected.
ISO Index: 1.6 Messages that exceed 99,999 payments (C-Level) will
Cardinality: 1..1 be rejected by the financial institutions.
CH Status: M Depending on the financial institution, the size of the
Errorcode: AM18 message that can be delivered may be smaller.
UBS Notes: If the number in this element is not identical to the
total number of C-Levels then the file is rejected with
Status Reason Code AM18. If a B-Level includes more
than 9'999 C-Levels these are distribute over new B-

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 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

Levels with up to 9'999 C-Levels each. The original
PmtInfId (B-Level reference) will be mapped into each
new B-Level and in the booking reference.
E-Banking: If a B-Level has more than 999 C-Levels
these are distribute over new B-Levels with up to 999
C-Levels each. The original PmtInfId (B-Level reference)
will be mapped into each new B-Level and used as
booking reference.
UBS Example: <NbOfTxs>3</NbOfTxs>
A Document ISO Name: Control Sum
+CstmrCdtTrfInitn XML Name: CtrlSum
++GrpHdr ISO Definition: Total of all individual amounts included in the
+++CtrlSum message, irrespective of currencies.
CH Definition: Value is the same as the sum of all the "Amount
ISO Index: 1.7 elements" ("Instructed Amount" or "Equivalent
Cardinality: 0..1 Amount") (2.42)
CH Status: R Recommendation: the control sum should be sent in
Errorcode: AM10 this element in Level A.
If there is an error, the whole message is rejected.
UBS Notes: If element is delivered the content will be validated
with the overall sum of all amounts of all subsequent
single transactions (instructed as well as equivalent
amounts). If stated control sum doesn`t match with
actual sum over all C-Levels the whole file (A-Level) is
rejected with Status Reason Code AM10.
UBS Example: <CtrlSum>1234.15</CtrlSum>
A Document ISO Name: Initiating Party
+CstmrCdtTrfInitn XML Name: InitgPty
++GrpHdr ISO Definition: Party that initiates the payment.
+++InitgPty
Usage: This can either be the debtor or the party that
ISO Index: 1.8 initiates the credit transfer on behalf of the debtor.
Cardinality: 1..1 CH Definition: At least one of the two elements "Name" or
CH Status: M "Identification" must be sent.
Errorcode: CH21
A Document ISO Name: Name
+CstmrCdtTrfInitn XML Name: Nm
++GrpHdr ISO Definition: Name by which a party is known and which is usually
+++InitgPty used to identify that party.
++++Nm CH Definition: Name of the message sender, maximum 70
characters.
ISO Index: 1.8
Cardinality: 0..1
CH Status: R
Length: 1 .. 70
A Document ISO Name: Identification
+CstmrCdtTrfInitn XML Name: Id
++GrpHdr ISO Definition: Unique and unambiguous identification of a party.
+++InitgPty CH Definition: Identification of the message sender.
++++Id

ISO Index: 1.8

Cardinality: 0..1
CH Status: R
A Document ISO Name: Organisation Identification
+CstmrCdtTrfInitn XML Name: OrgId
++GrpHdr ISO Definition: Unique and unambiguous way to identify an
+++InitgPty organisation.
++++Id CH Definition: Only "BICOrBEI" or an element from "Other"
+++++OrgId permitted.
If used, the "Private Identification" must not be
ISO Index: 1.8 present.
Cardinality: 1..1
CH Status: D
Errorcode: CH16, CH17

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 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

A Document ISO Name: BICOr BEI
+CstmrCdtTrfInitn XML Name: BICOrBEI
++GrpHdr ISO Definition: Code allocated to a financial institution or non
+++InitgPty financial institution by the ISO 9362 Registration
++++Id Authority as described in ISO 9362 "Banking -
+++++OrgId Banking telecommunication messages - Business
++++++BICOrBEI identifier code (BIC)".
CH Definition: If used, "Other" must not be present.
ISO Index: 1.8
Cardinality: 0..1
CH Status: D
Errorcode: RC01, CH16
A Document ISO Name: Other
+CstmrCdtTrfInitn XML Name: Othr
++GrpHdr ISO Definition: Unique identification of an organisation, as assigned
+++InitgPty by an institution, using an identification scheme.
++++Id CH Definition: If used, "BICOrBEI" must not be present.
+++++OrgId
++++++Othr

ISO Index: 1.8

Cardinality: 0..1
CH Status: D
Errorcode: CH17
A Document ISO Name: Private Identification
+CstmrCdtTrfInitn XML Name: PrvtId
++GrpHdr ISO Definition: Unique and unambiguous identification of a person,
+++InitgPty eg, passport.
++++Id CH Definition: Only "Date And Place Of Birth" or an element from
+++++PrvtId "Other" permitted.
If used, "Organisation Identification" must not be
ISO Index: 1.8 present.
Cardinality: 1..1
CH Status: D
A Document ISO Name: Contact Details
+CstmrCdtTrfInitn XML Name: CtctDtls
++GrpHdr ISO Definition: Set of elements used to indicate how to contact the
+++InitgPty party.
++++CtctDtls CH Definition: Details of the software used and the particular
version.
ISO Index: 1.8
Cardinality: 0..1
CH Status: R
A Document ISO Name: Name
+CstmrCdtTrfInitn XML Name: Nm
++GrpHdr ISO Definition: Name by which a party is known and which is usually
+++InitgPty used to identify that party.
++++CtctDtls CH Definition: Recommendation: Should contain the name of the
+++++Nm software used to create this message, maximum 70
characters.
ISO Index: 1.8
Cardinality: 0..1
CH Status: R
Length: 1 .. 70
A Document ISO Name: Other
+CstmrCdtTrfInitn XML Name: Othr
++GrpHdr ISO Definition: Contact details in an other form.
+++InitgPty CH Definition: Recommendation: Should contain the version of the
++++CtctDtls software used to create this message.
+++++Othr

ISO Index: 1.8

Cardinality: 0..1
CH Status: R
Length: 1 .. 35

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 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

A Document ISO Name: Forwarding Agent
+CstmrCdtTrfInitn XML Name: FwdgAgt
++GrpHdr ISO Definition: Financial institution that receives the instruction from
+++FwdgAgt the initiating party and forwards it to the next agent
in the payment chain for execution.
ISO Index: 1.9 CH Definition: This element may only be used by agreement with the
Cardinality: 0..1 instructed financial institution.
CH Status: BD UBS Notes: UBS does not consider this element resp. the content
of this element. It will be ignored. However, it must
still conform to the schema.
B Document ISO Name: Payment Information
+CstmrCdtTrfInitn XML Name: PmtInf
++PmtInf ISO Definition: Set of characteristics that applies to the debit side of
the payment transactions included in the credit
ISO Index: 2 transfer initiation.
Cardinality: 1..unbounded
CH Status: M
B Document ISO Name: Payment Information Identification
+CstmrCdtTrfInitn XML Name: PmtInfId
++PmtInf ISO Definition: Unique identification, as assigned by a sending party,
+++PmtInfId to unambiguously identify the payment information
group within the message.
ISO Index: 2.1 CH Definition: Value must be unique within the whole message (is
Cardinality: 1..1 used as reference in the Status Report "pain.002").
CH Status: M Only the SWIFT character set is permitted for this
Length: 1 .. 35 element (see section 2.4.1).
Errorcode: DU02 UBS Notes: The B-Level identification will be referenced in the
customer’s account reporting (Account Report /
Statement). UBS conducts a duplicate check within a
pain.001 file; Status Reason Code DU02, if duplicate
check failed. The uniqueness of payment information
ID over time is not validated. Customers have to deal
with multiple identical payment information ID's in
account statement in case of necessary regrouping by
UBS (e.g 9'999 resp. 999 C-Levels per B-Level).
E-Banking: if one B-Level has more than 999 C-Levels,
new B-Levels are generated with up to 999 C-Levels
each. The original PmtInfId (B-Level reference) will be
mapped into each new B-Level and used as booking
reference.
UBS Example: <PmtInfId>PMTINFID-4711-160301134406-01</PmtInfId>
B Document ISO Name: Payment Method
+CstmrCdtTrfInitn XML Name: PmtMtd
++PmtInf ISO Definition: Specifies the means of payment that will be used to
+++PmtMtd move the amount of money.
CH Definition: TRA and TRF: same meaning, no effect on the way the
ISO Index: 2.2 debit advices are controlled.
Cardinality: 1..1 In Switzerland the TRA value is processed in the same
CH Status: M way as the TRF value, it has no special function.
Furthermore, for check payments, the CHK value is
permitted.
CH PayTypDef: Type 1, 2.1, 2.2, 3, 4, 5, 6: May only contain TRA or
TRF.
Type 8: May only contain CHK.
UBS Notes: Bank cheque payments (Payment Type 8) are not
supported. B-Levels with value "CHK" will be rejected.
Status Reason Code CH17.
UBS Example: <PmtMtd>TRF</PmtMtd>
B Document ISO Name: Batch Booking
+CstmrCdtTrfInitn XML Name: BtchBookg
++PmtInf ISO Definition: Identifies whether a single entry per individual
+++BtchBookg transaction or a batch entry for the sum of the
amounts of all transactions within the group of a
ISO Index: 2.3 message is requested.
Cardinality: 0..1 Usage: Batch booking is used to request and not

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 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

CH Status: O order a possible batch booking.
CH Definition: The option "true" is recommended.
"true": Wherever possible, one batch booking is
made per "Payment Information" (B).
A separate B-level must be created for each currency
being transferred. The booking is identified using the
Payment Information Identification (B).
"false": One booking should be made for each
"Credit Transfer Transaction Information" (C).
Bookings are usually identified by the "Payment
Identification" (C). Alternatively, the financial
institution can also identify the booking using, for
example, the "Payment Information Identification" (B)
element.
The option “true” in combination with Category
Purpose Code (B-Level) SALA and notification
instruction CND/NOA results in a confidential
payment.
If this element is not sent, then the booking proceeds
as for "true" or according to the master data stored
at the financial institution.
UBS Notes: A B-Level may contain only one payment currency over
all C-Levels.
UBS Example: <BtchBookg>true</BtchBookg>
B Document ISO Name: Number Of Transactions
+CstmrCdtTrfInitn XML Name: NbOfTxs
++PmtInf ISO Definition: Number of individual transactions contained in the
+++NbOfTxs paymnet information group.
CH Definition: Not generally checked by Swiss institutions. Checking
ISO Index: 2.4 uses the corresponding element at A-Level.
Cardinality: 0..1 UBS Notes: If provided, value will be checked: Content of this
CH Status: O element must be the same as the total number of C-
Levels within this B-Level. Status Reason Code AM18.
UBS Example: <NbOfTxs>4</NbOfTxs>
B Document ISO Name: Control Sum
+CstmrCdtTrfInitn XML Name: CtrlSum
++PmtInf ISO Definition: Total of all individual amounts included in the group,
+++CtrlSum irrespective of currencies.
CH Definition: Not generally checked by Swiss institutions. Checking
ISO Index: 2.5 uses the corresponding element at A-Level.
Cardinality: 0..1 UBS Notes: If present, the content is validated. Total hash sum of
CH Status: O all amounts (instructed as well as equivalent amounts)
of all subsequent single transactions within this B-Level
must match with all amounts in C-Level. Status Reason
Code AM10.
UBS Example: <CtrlSum>1234.15</CtrlSum>
B Document ISO Name: Payment Type Information
+CstmrCdtTrfInitn XML Name: PmtTpInf
++PmtInf ISO Definition: Set of elements used to further specify the type of
+++PmtTpInf transaction.
CH Definition: Can be used at B-Level or C-Level, but generally not in
ISO Index: 2.6 both at the same time. Some institutions permit it to
Cardinality: 0..1 be sent at both levels but not the same sub-element
CH Status: O at both levels.
Errorcode: CH07 CH PayTypDef: Type 1, 2.1, 2.2: Use at C-Level is recommended.
Type 5: Use at B-Level is recommended.
UBS Notes: If a code is on B-Level, it is propagated to all
underlying C-Levels. If this structure is on both, the B-
and the C-Levels, then the C-Level with the entry is
rejected with Status Reason Code 'CH07', and with
the error text on pain.002 D-Level.
UBS Example: <PmtTpInf>
<InstrPrty>NORM</InstrPrty>
</PmtTpInf>
B Document ISO Name: Instruction Priority

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 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

+CstmrCdtTrfInitn XML Name: InstrPrty
++PmtInf ISO Definition: Indicator of the urgency or order of importance that
+++PmtTpInf the instructing party would like the instructed party to
++++InstrPrty apply to the processing of the instruction.
CH Definition: The service that is initiated must first be agreed with
ISO Index: 2.7 the financial institution in question.
Cardinality: 0..1 For normal handling, the element can be omitted.
CH Status: BD The value NORM equates to execution with the value
date as the next banking business day (depending on
the currency).
The value HIGH equates to the current Express
processing, i.e. execution on the same value date,
provided delivery is within the time for acceptance
specified by the financial institution in question
(depending on the currency). This kind of execution
may result in additional charges.
Any details about the Express processing should be
sent at B-Level, because values at C-Level are ignored.
CH PayTypDef: Type 5: Must not be used.
UBS Notes: For execution of payment types 1, 2.1, 2.2 and 3 in
CHF as express orders, Instruction Priority code 'HIGH'
has to be set.
All other payment types will be processed according to
UBS cut-off times, independent from the delivered
code (refer to the UBS cut-off times factsheet).
UBS Example: <InstrPrty>HIGH</InstrPrty>
B Document ISO Name: Service Level
+CstmrCdtTrfInitn XML Name: SvcLvl
++PmtInf ISO Definition: Agreement under which or rules under which the
+++PmtTpInf transaction should be processed.
++++SvcLvl CH Definition: Service Level affects the way payment is made at the
financial institution. The focus is on achieving the
ISO Index: 2.8 fastest possible credit for the creditor.
Cardinality: 0..1 CH PayTypDef: Type 5: Must be used.
CH Status: O UBS Example: <SvcLvl>
<Cd>SEPA</Cd>
</SvcLvl>
B Document ISO Name: Code
+CstmrCdtTrfInitn XML Name: Cd
++PmtInf ISO Definition: Specifies a pre-agreed service or level of service
+++PmtTpInf between the parties, as published in an external
++++SvcLvl service level code list.
+++++Cd CH Definition: Codes according "Payments External Code Lists" [8].
The following values will be accepted by the financial
ISO Index: 2.9 institutions:
Cardinality: 1..1 • SEPA (Single Euro Payments Area)
CH Status: D • PRPT (EBA Priority Service)
Length: 1 .. 4 • SDVA (Same Day Value)
Errorcode: CH16 • URGP (Urgent Payment)
These values SEPA, PRPT, SDVA, URGP are taken into
account if the financial institution offers the service in
question, otherwise they are ignored.
If used, then "Proprietary" must not be present.
CH PayTypDef: Type 5: Only SEPA permitted.
UBS Notes: In case the code 'SEPA' is used, all SEPA-relevant
criteria need to be fulfilled, otherwise B-Level will be
rejected with Status Reason Code: CH16.
UBS SEPA criteria are:
- Transaction currency = Euro
- Creditor account = IBAN
- Country of beneficiary bank = SEPA country
- Beneficiary bank = SEPA participant
- Charge option = SLEV
- No instructions for creditor agent
If below criteria are missed, UBS will amend the
payment:

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 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

- UBS cut-off time for SEPA payments missed:
=> requested execution date is set for the next
possible bank business day
- Exchange value in EUR is more than CHF 24 Mio.:
=>transaction will be executed as normal EUR
payment (non-SEPA).
In these cases, UBS sends a status report with status
ACWC.
Not having set the service level SEPA, payments will
nevertheless be executed as SEPA payment in case the
remaining elements are delivered according to
above-mentioned criteria. In case
of Payment Types 4 and 6 (domestic payment in
foreign currencies and international payments, ISO
codes URGP and SDVA will be further processed to the
beneficiary bank.
All other ISO-codes (BKTR, NUGP, NURG, PRPT and
UNRS) will be ignored. Non-ISO codes will cause
rejection of the whole B-Level with Status Reason
Code: CH16.
UBS Example: <Cd>SEPA</Cd>
B Document ISO Name: Proprietary
+CstmrCdtTrfInitn XML Name: Prtry
++PmtInf ISO Definition: Specifies a pre-agreed service or level of service
+++PmtTpInf between the parties, as a proprietary code.
++++SvcLvl CH Definition: Is currently ignored by financial institutions.
+++++Prtry If used, then "Code" must not be present.
CH PayTypDef: Type 5: Must not be used.
ISO Index: 2.1 UBS Notes: UBS does not consider this element resp. the content
Cardinality: 1..1 of this element. It will be ignored. However, it must
CH Status: BD still conform to the schema.
Length: 1 .. 35
Errorcode: CH17
B Document ISO Name: Local Instrument
+CstmrCdtTrfInitn XML Name: LclInstrm
++PmtInf ISO Definition: User community specific instrument.
+++PmtTpInf
++++LclInstrm Usage: This element is used to specify a local
instrument, local clearing option and/or further qualify
ISO Index: 2.11 the service or service level.
Cardinality: 0..1 CH PayTypDef: Type 1, 2.1, 2.2: Must be used.
CH Status: D Type 8: Must not be used.
Errorcode: CH21 UBS Notes: The codes can be used on either B-Level or C-Level.
Usage on C-Level is preferred.
UBS Example: <PmtTpInf>
<LclInstrm>
<Prtry>CH01</Prtry>
</LclInstrm>
</PmtTpInf>
B Document ISO Name: Code
+CstmrCdtTrfInitn XML Name: Cd
++PmtInf ISO Definition: Specifies the local instrument, as published in an
+++PmtTpInf external local instrument code list.
++++LclInstrm CH Definition: Codes according "Payments External Code Lists" [8].
+++++Cd If used, then "Proprietary" must not be present.
UBS Notes: UBS does not consider this element, it will be ignored.
ISO Index: 2.12 However, it must still be conform to the schema.
Cardinality: 1..1 Payment Type 8 bank cheque payments are not
CH Status: D supported (value "CPP" is ignored as well).
Length: 1 .. 35
Errorcode: CH16, CH17
B Document ISO Name: Proprietary
+CstmrCdtTrfInitn XML Name: Prtry
++PmtInf ISO Definition: Specifies the local instrument, as a proprietary code.
+++PmtTpInf CH Definition: If used, then "Code" must not be present.

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 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

++++LclInstrm CH PayTypDef: Type 1: CH01 must be used.
+++++Prtry Type 2.1: CH02 must be used.
Type 2.2: CH03 must be used.
ISO Index: 2.13 Each in combination with "PmtMtd" = TRF/TRA.
Cardinality: 1..1 UBS Example: <Prtry>CH01</Prtry>
CH Status: D
Length: 1 .. 35
Errorcode: CH16, CH17
B Document ISO Name: Category Purpose
+CstmrCdtTrfInitn XML Name: CtgyPurp
++PmtInf ISO Definition: Specifies the high level purpose of the instruction
+++PmtTpInf based on a set of pre-defined categories.
++++CtgyPurp Usage: This is used by the initiating party to provide
information concerning the processing of the
ISO Index: 2.14 payment. It is likely to trigger special processing by
Cardinality: 0..1 any of the agents involved in the payment chain.
CH Status: O CH Definition: Gives information about the purpose of the payment
order.
UBS Example: <PmtTpInf>
<CtgyPurp>
<Cd>SALA</Cd>
</CtgyPurp>
</PmtTpInf>
B Document ISO Name: Code
+CstmrCdtTrfInitn XML Name: Cd
++PmtInf ISO Definition: Category purpose, as published in an external
+++PmtTpInf category purpose code list.
++++CtgyPurp CH Definition: Codes according "Payments External Code Lists" [8].
+++++Cd The forwarding of the code to the receiving institution
is subject to the offer of the customer's financial
ISO Index: 2.15 institution.
Cardinality: 1..1 If required, the code SALA or PENS must always be
CH Status: M sent at B-Level.
Length: 1 .. 4 The code SALA in combination with Batch Booking
Errorcode: CH16 Option “true” and notification instruction CND/NOA
results in a confidential payment.
UBS Notes: For salary/pension payments, the codes SALA and
PENS are used on B-Level. If on C-Level, these codes
are ignored. Codes SALA and PENS will result in a
booking without details.
In case of Payment Types 4 and 6 (Domestic Payment
in foreign currencies and International Payments) ISO
codes INTC and CORT will be further processed to the
Beneficiary Bank.
Any another ISO code, e.g. HEDG, will be ignored.
Non-ISO codes will cause rejection of the whole B-
Level with Status Reason Code: CH16.
UBS Example: <Cd>SALA</Cd>
B Document ISO Name: Requested Execution Date
+CstmrCdtTrfInitn XML Name: ReqdExctnDt
++PmtInf ISO Definition: Date at which the initiating party requests the clearing
+++ReqdExctnDt agent to process the payment.
Usage: This is the date on which the debtor's account
ISO Index: 2.17 is to be debited. If payment by cheque, the date when
Cardinality: 1..1 the cheque must be generated by the bank.
CH Status: M CH Definition: Contains the required date of execution. Where
Errorcode: DT01, CH03, CH04, appropriate, the value data is automatically modified
DT06 to the next possible banking/Post Office business day.
UBS Notes: Value rule: date must be within the range of minimum
10 days in the past and maximum 60 days in the
future.
Status Reason Codes:
CH04: if the date is more than 10 days in the past
CH03: if the date is more than 60 days in the future
DT01: if the date is invalid (e.g. 2016-02-30)

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 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

UBS will process the payment according to UBS cut-off
times. Where appropriate, the value data is
automatically modified to the next possible banking
business day. Status ACWC, Reason Code DT06
UBS Example: <ReqdExctnDt>2015-12-22</ReqdExctnDt>
B Document ISO Name: Debtor
+CstmrCdtTrfInitn XML Name: Dbtr
++PmtInf ISO Definition: Party that owes an amount of money to the (ultimate)
+++Dbtr creditor.
CH Definition: The debtor is only identified by the "Debtor Account"
ISO Index: 2.19 element. Information in the "Debtor" field will be
Cardinality: 1..1 ignored. What is required is the master data for the
CH Status: M financial institution for this debtor.
UBS Notes: All data in element group 'Debtor' will not delivered
for further processing. Instead, they will be replaced
by UBS master data set on customer's account.
UBS Example: <Dbtr>
<Nm>MUSTER AG</Nm>
<PstlAdr>
<AdrLine>Mainstreet 1</AdrLine>
<AdrLine>CH-8888 SELDWYLA</AdrLine>
</PstlAdr>
</Dbtr>
B Document ISO Name: Name
+CstmrCdtTrfInitn XML Name: Nm
++PmtInf ISO Definition: Name by which a party is known and which is usually
+++Dbtr used to identify that party.
++++Nm CH Definition: Recommendation: Use, maximum 70 characters.
UBS Notes: UBS does not control content of this element (no
ISO Index: 2.19 validation). It will be overwritten with account master
Cardinality: 0..1 data. However, if delivered, the element must still
CH Status: R conform with the scheme.
Length: 1 .. 70
B Document ISO Name: Postal Address
+CstmrCdtTrfInitn XML Name: PstlAdr
++PmtInf ISO Definition: Information that locates and identifies a specific
+++Dbtr address, as defined by postal services.
++++PstlAdr CH Definition: Recommendation: Do not use.
UBS Notes: UBS does not control content of this element (no
ISO Index: 2.19 validation). It will be overwritten with account master
Cardinality: 0..1 data. However, if delivered, the element must still be
CH Status: O conform with the schema.
B Document ISO Name: Identification
+CstmrCdtTrfInitn XML Name: Id
++PmtInf ISO Definition: Unique and unambiguous identification of a party.
+++Dbtr CH Definition: Is currently ignored by financial institutions.
++++Id UBS Notes: UBS does not consider this element resp. the content
of this element. It will be ignored. However, it must
ISO Index: 2.19 still conform to the schema.
Cardinality: 0..1
CH Status: O
B Document ISO Name: Organisation Identification
+CstmrCdtTrfInitn XML Name: OrgId
++PmtInf ISO Definition: Unique and unambiguous way to identify an
+++Dbtr organisation.
++++Id CH Definition: Only "BICOrBEI" or an element from "Other"
+++++OrgId permitted.
If used, the "Private Identification" must not be
ISO Index: 2.19 present.
Cardinality: 1..1
CH Status: D
Errorcode: CH16, CH17
B Document ISO Name: Private Identification
+CstmrCdtTrfInitn XML Name: PrvtId
++PmtInf ISO Definition: Unique and unambiguous identification of a person,

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 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

+++Dbtr eg, passport.
++++Id CH Definition: Only "Date And Place Of Birth" or an element from
+++++PrvtId "Other" permitted.
If used, "Organisation Identification" must not be
ISO Index: 2.19 present.
Cardinality: 1..1
CH Status: D
B Document ISO Name: Debtor Account
+CstmrCdtTrfInitn XML Name: DbtrAcct
++PmtInf ISO Definition: Unambiguous identification of the account of the
+++DbtrAcct debtor to which a debit entry will be made as a result
of the transaction.
ISO Index: 2.2 CH Definition: Recommendation: IBAN should be used. . However,
Cardinality: 1..1 "Other" is currently also still permitted by some
CH Status: M financial institutions for the proprietary account
number. The "Type/Proprietary" element can also be
used to define the way the debit advice is controlled.
When using the AOS "Additional participants"
(multi-banking), the third-party bank must be
specified here.
UBS Notes: The debtor account is the customer's account at UBS.
Preferred format is IBAN. In case of multibank services
usage, a foreign financial institution account has to be
set.
UBS Example: <DbtrAcct>
<Id>
<IBAN>CH9300762011623852957</IBAN>
</Id>
</DbtrAcct>
B Document ISO Name: Identification
+CstmrCdtTrfInitn XML Name: Id
++PmtInf ISO Definition: Unique and unambiguous identification for the
+++DbtrAcct account between the account owner and the account
++++Id servicer.

ISO Index: 2.2

Cardinality: 1..1
CH Status: M
B Document ISO Name: IBAN
+CstmrCdtTrfInitn XML Name: IBAN
++PmtInf ISO Definition: International Bank Account Number (IBAN) - identifier
+++DbtrAcct used internationally by financial institutions to
++++Id uniquely identify the account of a customer. Further
+++++IBAN specifications of the format and content of the IBAN
can be found in the standard ISO 13616 "Banking
ISO Index: 2.2 and related financial services - International Bank
Cardinality: 1..1 Account Number (IBAN)" version 1997-10-01, or later
CH Status: R revisions.
Errorcode: BE09, CH16, AC01 CH Definition: Recommendation: Use.
If used, "Other" must not be present.
Must not be a QR-IBAN.
UBS Notes: UBS verifies if the account is authorized for the desired
payment function. In context of multibank services, an
account at a foreign financial institution has to be
used.
UBS Example: <IBAN>DE87200500001234567890</IBAN>
B Document ISO Name: Other
+CstmrCdtTrfInitn XML Name: Othr
++PmtInf ISO Definition: Unique identification of an account, as assigned by
+++DbtrAcct the account servicer, using an identification scheme.
++++Id CH Definition: If used, then IBAN must not be present.
+++++Othr

ISO Index: 2.2

Cardinality: 1..1

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 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

CH Status: D
Errorcode: CH17
B Document ISO Name: Identification
+CstmrCdtTrfInitn XML Name: Id
++PmtInf ISO Definition: Identification assigned by an institution.
+++DbtrAcct CH Definition: Proprietary bank or postal account number.
++++Id Must be used if "Other" is used.
+++++Othr UBS Notes: This element is for customers using the 21-character
++++++Id UBS account code or the account of a third bank for
multibank payment orders. It is validated that the
ISO Index: 2.2 account is authorized for usage of the desired
Cardinality: 1..1 payment function.
CH Status: M Using an IBAN in this element is also accepted.
Length: 1 .. 34
Errorcode: CH16, CH17, AC01
B Document ISO Name: Type
+CstmrCdtTrfInitn XML Name: Tp
++PmtInf ISO Definition: Specifies the nature, or use of the account.
+++DbtrAcct
++++Tp

ISO Index: 2.2

Cardinality: 0..1
CH Status: O
B Document ISO Name: Code
+CstmrCdtTrfInitn XML Name: Cd
++PmtInf ISO Definition: Account type, in a coded form.
+++DbtrAcct CH Definition: Is currently ignored by financial institutions.
++++Tp If used, then "Proprietary" must not be present.
+++++Cd UBS Notes: UBS does not consider this element resp. the content
of this element. It will be ignored. However, it must
ISO Index: 2.2 still conform to the schema.
Cardinality: 1..1
CH Status: BD
B Document ISO Name: Proprietary
+CstmrCdtTrfInitn XML Name: Prtry
++PmtInf ISO Definition: Nature or use of the account in a proprietary form.
+++DbtrAcct CH Definition: Can be used to control the debit advice. The following
++++Tp options are available:
+++++Prtry • NOA No Advice
• SIA Single Advice
ISO Index: 2.2 • CND Collective Advice No Details
Cardinality: 1..1 • CWD Collective Advice With Details
CH Status: D The code CND/NOA in combination with Category
Length: 1 .. 35 Purpose Code (B-Level) SALA and Batch Booking
Errorcode: CH16 Option “true” results in a confidential payment.
If used, then "Code" must not be present.
UBS Notes: This element can be used to control the debit advice
and reports in cash management messages. Any usage
might override the defined master data of the
according messages. Details about steering logic are
available upon request. If delivered, the element must
conform with the scheme. If other codes are used than
the one defined in the Swiss Implementation Guide,
the whole B-Level will be rejected. Note: If Category
Purpose contains codes SALA and PENS, it will result in
a booking without details.
B Document ISO Name: Currency
+CstmrCdtTrfInitn XML Name: Ccy
++PmtInf ISO Definition: Identification of the currency in which the account is
+++DbtrAcct held.
++++Ccy
Usage: Currency should only be used in case one and
ISO Index: 2.2 the same account number covers several currencies
Cardinality: 0..1 and the initiating party needs to identify which

17
 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

CH Status: O currency needs to be used for settlement on the
account.
CH Definition: Is currently ignored by financial institutions.
UBS Notes: UBS does not consider this element resp. the content
of this element. It will be ignored. However, it must
still conform to the schema.
B Document ISO Name: Debtor Agent
+CstmrCdtTrfInitn XML Name: DbtrAgt
++PmtInf ISO Definition: Financial institution servicing an account for the
+++DbtrAgt debtor.
CH Definition: The Swiss financial institutions recommend entering
ISO Index: 2.21 the BIC or IID (institutional identification) in this
Cardinality: 1..1 element.
CH Status: M When using the AOS "Additional participants"
(multi-banking), the third-party bank must be
specified here.
UBS Notes: In case of multibank services the BIC of the third-party
financial institute has to be delivered.
UBS Example: <DbtrAgt>
<FinInstnId>
<BIC>UBSWCHZH80A</BIC>
</FinInstnId>
</DbtrAgt>
B Document ISO Name: Financial Institution Identification
+CstmrCdtTrfInitn XML Name: FinInstnId
++PmtInf ISO Definition: Unique and unambiguous identification of a financial
+++DbtrAgt institution, as assigned under an internationally
++++FinInstnId recognised or proprietary identification scheme.
UBS Example: <FinInstnId>
ISO Index: 2.21 <BIC>UBSWCHZH80A</BIC>
Cardinality: 1..1 </FinInstnId>
CH Status: M
B Document ISO Name: BIC
+CstmrCdtTrfInitn XML Name: BIC
++PmtInf ISO Definition: Code allocated to a financial institution by the ISO
+++DbtrAgt 9362 Registration Authority as described in ISO 9362
++++FinInstnId "Banking - Banking telecommunication messages -
+++++BIC Business identifier code (BIC)".
CH Definition: BIC of the Debtor Bank.
ISO Index: 2.21 If used, then "Clearing System Member Identification"
Cardinality: 0..1 must not be present.
CH Status: D UBS Example: <FinInstnId>
Errorcode: RC01, AGNT <BIC>UBSWCHZH80A</BIC>
</FinInstnId>
B Document ISO Name: Clearing System Member Identification
+CstmrCdtTrfInitn XML Name: ClrSysMmbId
++PmtInf ISO Definition: Information used to identify a member within a
+++DbtrAgt clearing system.
++++FinInstnId CH Definition: If used, then BIC must not be present.
+++++ClrSysMmbId UBS Example: <ClrSysMmbId>
<ClrSysId>
ISO Index: 2.21 <Cd>CHBCC</Cd>
Cardinality: 0..1 </ClrSysId>
CH Status: D <MmbId>0230</MmbId>
</ClrSysMmbId>
B Document ISO Name: Clearing System Identification
+CstmrCdtTrfInitn XML Name: ClrSysId
++PmtInf ISO Definition: Specification of a pre-agreed offering between
+++DbtrAgt clearing agents or the channel through which the
++++FinInstnId payment instruction is processed.
+++++ClrSysMmbId UBS Example: <ClrSysId>
++++++ClrSysId <Cd>CHBCC</Cd>
</ClrSysId>
ISO Index: 2.21
Cardinality: 0..1

18
 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

CH Status: M
B Document ISO Name: Code
+CstmrCdtTrfInitn XML Name: Cd
++PmtInf ISO Definition: Identification of a clearing system, in a coded form as
+++DbtrAgt published in an external list.
++++FinInstnId CH Definition: Codes according "Payments External Code Lists" [8].
+++++ClrSysMmbId Only CHBCC is permitted in Switzerland.
++++++ClrSysId UBS Example: <ClrSysId>
+++++++Cd <Cd>CHBCC</Cd>
</ClrSysId>
ISO Index: 2.21
Cardinality: 1..1
CH Status: M
Length: 1 .. 5
Errorcode: CH16, CH17
B Document ISO Name: Proprietary
+CstmrCdtTrfInitn XML Name: Prtry
++PmtInf ISO Definition: Identification code for a clearing system, that has not
+++DbtrAgt yet been identified in the list of clearing systems.
++++FinInstnId CH Definition: Must not be used.
+++++ClrSysMmbId
++++++ClrSysId
+++++++Prtry

ISO Index: 2.21

Cardinality: 1..1
CH Status: N
Length: 1 .. 35
Errorcode: CH16
B Document ISO Name: Member Identification
+CstmrCdtTrfInitn XML Name: MmbId
++PmtInf ISO Definition: Identification of a member of a clearing system.
+++DbtrAgt CH Definition: IID of the Debtor Agent
++++FinInstnId Must be used if "Clearing System Member
+++++ClrSysMmbId Identification" is used.
++++++MmbId UBS Example: <MmbId>0230</MmbId>

ISO Index: 2.21

Cardinality: 1..1
CH Status: M
Length: 1 .. 35
Errorcode: RC01, AGNT
B Document ISO Name: Ultimate Debtor
+CstmrCdtTrfInitn XML Name: UltmtDbtr
++PmtInf ISO Definition: Ultimate party that owes an amount of money to the
+++UltmtDbtr (ultimate) creditor.
CH Definition: Can be used at B-Level or C-Level but not at both at
ISO Index: 2.23 the same time.
Cardinality: 0..1 UBS Example: <UltmtDbtr>
CH Status: O <Nm>Ultimate Debtor Name</Nm>
<PstlAdr>
<AdrLine>Ultimate Debtor Adresse</AdrLine>
</PstlAdr>
</UltmtDbtr>
B Document ISO Name: Name
+CstmrCdtTrfInitn XML Name: Nm
++PmtInf ISO Definition: Name by which a party is known and which is usually
+++UltmtDbtr used to identify that party.
++++Nm CH Definition: Maximum 70 characters
UBS Example: <Nm>Ultimate Debtor Name</Nm>
ISO Index: 2.23
Cardinality: 0..1
CH Status: O
Length: 1 .. 70
Document

19
 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

B +CstmrCdtTrfInitn ISO Name: Postal Address
++PmtInf XML Name: PstlAdr
+++UltmtDbtr ISO Definition: Information that locates and identifies a specific
++++PstlAdr address, as defined by postal services.
CH Definition: This information is structured and defined in the same
ISO Index: 2.23 way as the definitions for the Creditor (Index 2.79).
Cardinality: 0..1 CH PayTypDef: Type 5: Is not forwarded in interbank traffic.
CH Status: O
B Document ISO Name: Identification
+CstmrCdtTrfInitn XML Name: Id
++PmtInf ISO Definition: Unique and unambiguous identification of a party.
+++UltmtDbtr
++++Id

ISO Index: 2.23

Cardinality: 0..1
CH Status: O
B Document ISO Name: Organisation Identification
+CstmrCdtTrfInitn XML Name: OrgId
++PmtInf ISO Definition: Unique and unambiguous way to identify an
+++UltmtDbtr organisation.
++++Id CH Definition: Only "BICOrBEI" or an element from "Other"
+++++OrgId permitted.
If used, the "Private Identification" must not be
ISO Index: 2.23 present.
Cardinality: 1..1
CH Status: D
Errorcode: CH17
B Document ISO Name: Private Identification
+CstmrCdtTrfInitn XML Name: PrvtId
++PmtInf ISO Definition: Unique and unambiguous identification of a person,
+++UltmtDbtr eg, passport.
++++Id CH Definition: Only "Date And Place Of Birth" or an element from
+++++PrvtId "Other" permitted.
If used, "Organisation Identification" must not be
ISO Index: 2.23 present.
Cardinality: 1..1
CH Status: D
B Document ISO Name: Charge Bearer
+CstmrCdtTrfInitn XML Name: ChrgBr
++PmtInf ISO Definition: Specifies which party/parties will bear the charges
+++ChrgBr associated with the processing of the payment
transaction.
ISO Index: 2.24 CH Definition: Can be used at B-Level or C-Level but not at both at
Cardinality: 0..1 the same time. Permitted codes are:
CH Status: D • DEBT Borne by Debtor (ex OUR)
Errorcode: CH16 • CRED Borne by Creditor (ex BEN)
• SHAR Shared (ex. SHA)
• SLEV Service Level
CH PayTypDef: Type 5: If used, then SLEV must be used.
UBS Notes: The default is SHAR if no code is present. If "SvcLvl
Code" = SEPA, SLEV is required, SHAR is not allowed.
Status Reason Code: CH16.
Note: each C-Level within a B-Level may have a
different code if not present on B-Level.
UBS Example: <ChrgBr>CRED</ChrgBr>
B Document ISO Name: Charges Account
+CstmrCdtTrfInitn XML Name: ChrgsAcct
++PmtInf ISO Definition: Account used to process charges associated with a
+++ChrgsAcct transaction.

ISO Index: 2.25 Usage: Charges account should be used when

Cardinality: 0..1 charges have to be booked to an account different
CH Status: O from the account identified in debtor's account.
CH Definition: Not normally used, in this case any charges are made

20
 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

to the "Debtor Account".
UBS Notes: UBS does not consider this element resp. the content
of this element. It will be ignored. However, it must
still conform to the schema.
UBS Example: <ChrgsAcct>
<Id>
<Othr>
<Id>123456</Id>
</Othr>
</Id>
<Ccy>USD</Ccy>
</ChrgsAcct>
B Document ISO Name: Identification
+CstmrCdtTrfInitn XML Name: Id
++PmtInf ISO Definition: Unique and unambiguous identification for the
+++ChrgsAcct account between the account owner and the account
++++Id servicer.
CH Definition: Must be used if "Charges Account" is used.
ISO Index: 2.25
Cardinality: 1..1
CH Status: M
B Document ISO Name: IBAN
+CstmrCdtTrfInitn XML Name: IBAN
++PmtInf ISO Definition: International Bank Account Number (IBAN) - identifier
+++ChrgsAcct used internationally by financial institutions to
++++Id uniquely identify the account of a customer. Further
+++++IBAN specifications of the format and content of the IBAN
can be found in the standard ISO 13616 "Banking
ISO Index: 2.25 and related financial services - International Bank
Cardinality: 1..1 Account Number (IBAN)" version 1997-10-01, or later
CH Status: R revisions.
Errorcode: AC01 CH Definition: Use of IBAN recommended.
If used, "Other" must not be present.
B Document ISO Name: Other
+CstmrCdtTrfInitn XML Name: Othr
++PmtInf ISO Definition: Unique identification of an account, as assigned by
+++ChrgsAcct the account servicer, using an identification scheme.
++++Id CH Definition: If used, then IBAN must not be present.
+++++Othr

ISO Index: 2.25

Cardinality: 1..1
CH Status: D
B Document ISO Name: Identification
+CstmrCdtTrfInitn XML Name: Id
++PmtInf ISO Definition: Identification assigned by an institution.
+++ChrgsAcct CH Definition: Proprietary bank or postal account number.
++++Id Must be used if "Other" is used.
+++++Othr
++++++Id

ISO Index: 2.25

Cardinality: 1..1
CH Status: M
Length: 1 .. 34
Errorcode: AC01
B Document ISO Name: Currency
+CstmrCdtTrfInitn XML Name: Ccy
++PmtInf ISO Definition: Identification of the currency in which the account is
+++ChrgsAcct held.
++++Ccy
Usage: Currency should only be used in case one and
ISO Index: 2.25 the same account number covers several currencies
Cardinality: 0..1 and the initiating party needs to identify which
CH Status: O currency needs to be used for settlement on the

21
 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

account.
CH Definition: Is currently ignored by financial institutions.
C Document ISO Name: Credit Transfer Transaction Information
+CstmrCdtTrfInitn XML Name: CdtTrfTxInf
++PmtInf ISO Definition: Set of elements used to provide information on the
+++CdtTrfTxInf individual transaction(s) included in the message.

ISO Index: 2.27

Cardinality: 1..unbounded
CH Status: M
C Document ISO Name: Payment Identification
+CstmrCdtTrfInitn XML Name: PmtId
++PmtInf ISO Definition: Set of elements used to reference a payment
+++CdtTrfTxInf instruction.
++++PmtId UBS Example: <PmtId>
<InstrId>INSTRID2-TID177-151007075020-0102</InstrId>
ISO Index: 2.28 <EndToEndId>E2EID2-TID177-151007075020-0102</
Cardinality: 1..1 EndToEndId>
CH Status: M </PmtId>
C Document ISO Name: Instruction Identification
+CstmrCdtTrfInitn XML Name: InstrId
++PmtInf ISO Definition: Unique identification as assigned by an instructing
+++CdtTrfTxInf party for an instructed party to unambiguously
++++PmtId identify the instruction.
+++++InstrId
Usage: the instruction identification is a point to
ISO Index: 2.29 point reference that can be used between the
Cardinality: 0..1 instructing party and the instructed party to refer to
CH Status: R the individual instruction. It can be included in several
Length: 1 .. 35 messages related to the instruction.
Errorcode: DU05, CH21 CH Definition: Recommendation: Should be used and must be
unique within the B-Level.
Only the SWIFT character set is permitted for this
element (see section 2.4.1).
UBS Notes: Only if present the content will be validated: it needs
to be unique within the B-Level: RJCT respectively C-
Level with Status Reason Code DU05.
UBS Example: <InstrId>INSRID-4711-160302115114-0101</InstrId>
C Document ISO Name: End To End Identification
+CstmrCdtTrfInitn XML Name: EndToEndId
++PmtInf ISO Definition: Unique identification assigned by the initiating party
+++CdtTrfTxInf to unumbiguously identify the transaction. This
++++PmtId identification is passed on, unchanged, throughout
+++++EndToEndId the entire end-to-end chain.

ISO Index: 2.3 Usage: The end-to-end identification can be used for
Cardinality: 1..1 reconciliation or to link tasks relating to the
CH Status: M transaction. It can be included in several messages
Length: 1 .. 35 related to the transaction.
CH Definition: Customer reference, normally forwarded as far as the
beneficiary.
Only the SWIFT character set is permitted for this
element (see section 2.4.1).
UBS Notes: The uniqueness of this element is not validated. If not
delivered then the whole pain.001 file will be rejected
with Reason Code FF01. 'NOTPROVIDED' is mapped in
the pain.002 message.
UBS Example: <EndToEndId>E2EID-4711-160302115114-0101</
EndToEndId>
C Document ISO Name: Payment Type Information
+CstmrCdtTrfInitn XML Name: PmtTpInf
++PmtInf ISO Definition: Set of elements used to further specify the type of
+++CdtTrfTxInf transaction.
++++PmtTpInf CH Definition: Can be used at B-Level or C-Level, but normally not in
both at the same time. Some institutions permit it to

22
 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

ISO Index: 2.31 be sent at both levels but not the same sub-element
Cardinality: 0..1 at both levels.
CH Status: D CH PayTypDef: Type 1, 2.1, 2.2: Use at C-Level is recommended.
Errorcode: CH21 Type 5: Use at B-Level is recommended.
UBS Example: <PmtTpInf>
<LclInstrm>
<Prtry>CH03</Prtry>
</LclInstrm>
</PmtTpInf>
C Document ISO Name: Instruction Priority
+CstmrCdtTrfInitn XML Name: InstrPrty
++PmtInf ISO Definition: Indicator of the urgency or order of importance that
+++CdtTrfTxInf the instructing party would like the instructed party to
++++PmtTpInf apply to the processing of the instruction.
+++++InstrPrty CH Definition: Any information about the Express processing should
be sent at B-Level, values in this element are ignored.
ISO Index: 2.32 UBS Notes: Any instructions for Express Orders should be sent at
Cardinality: 0..1 B-Level, values in this element are ignored.
CH Status: O
C Document ISO Name: Service Level
+CstmrCdtTrfInitn XML Name: SvcLvl
++PmtInf ISO Definition: Agreement under which or rules under which the
+++CdtTrfTxInf transaction should be processed.
++++PmtTpInf CH Definition: Service Level affects the way payment is made at the
+++++SvcLvl financial institution. The focus is on achieving the
fastest possible credit for the creditor.
ISO Index: 2.33 CH PayTypDef: Type 5: Use is recommended.
Cardinality: 0..1
CH Status: O
C Document ISO Name: Code
+CstmrCdtTrfInitn XML Name: Cd
++PmtInf ISO Definition: Specifies a pre-agreed service or level of service
+++CdtTrfTxInf between the parties, as published in an external
++++PmtTpInf service level code list.
+++++SvcLvl CH Definition: Codes according "Payments External Code Lists" [8].
++++++Cd The following values will be accepted by the financial
institutions:
ISO Index: 2.34 • SEPA (Single Euro Payments Area)
Cardinality: 1..1 • PRPT (EBA Priority Service)
CH Status: D • SDVA (Same Day Value)
Length: 1 .. 4 • URGP (Urgent Payment)
Errorcode: CH16 Other values from the external code list only to be
used by agreement with the financial institution.
If used, then "Proprietary" must not be present.
CH PayTypDef: Type 5: Must be used if "Service Level" is used, only
"SEPA" permitted.
UBS Notes: In case the code 'SEPA' is used, all SEPA-relevant
criteria need to be fulfilled, otherwise B-Level will be
rejected with Status Reason Code: CH16.
UBS SEPA criteria are:
- Transaction currency = Euro
- Creditor account = IBAN
- Country of beneficiary bank = SEPA country
- Beneficiary bank = SEPA participant
- Charge option = SLEV
- No instructions for creditor agent
If below criteria are missed, UBS will amend the
payment:
- UBS cut-off time for SEPA payments missed:
=> requested execution date is set for the next
possible bank business day
- Exchange value in EUR is more than CHF 24 Mio.:
=>transaction will be executed as normal EUR
payment (non-SEPA).
In these cases, UBS sends a status report with status
ACWC.

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Not having set the service level SEPA, payments will
nevertheless be executed as SEPA payment in case the
remaining elements are delivered according to
above-mentioned criteria.
In case of Payment Types 4 and 6 (domestic payment
in foreign currencies and international payments, ISO
codes URGP and SDVA will be further processed to the
beneficiary bank.
All other ISO-codes (BKTR, NUGP, NURG, PRPT and
UNRS) will be ignored. Non-ISO codes will cause
rejection of the whole B-Level with Status Reason
Code: CH16.
C Document ISO Name: Proprietary
+CstmrCdtTrfInitn XML Name: Prtry
++PmtInf ISO Definition: Specifies a pre-agreed service or level of service
+++CdtTrfTxInf between the parties, as a proprietary code.
++++PmtTpInf CH Definition: Is currently ignored by financial institutions.
+++++SvcLvl If used, then "Code" must not be present.
++++++Prtry CH PayTypDef: Type 5: Must not be used.
UBS Notes: UBS does not consider this element resp. the content
ISO Index: 2.35 of this element. It will be ignored. However, it must
Cardinality: 1..1 still conform to the schema.
CH Status: BD
Length: 1 .. 35
Errorcode: CH17
C Document ISO Name: Local Instrument
+CstmrCdtTrfInitn XML Name: LclInstrm
++PmtInf ISO Definition: User community specific instrument.
+++CdtTrfTxInf
++++PmtTpInf Usage: This element is used to specify a local
+++++LclInstrm instrument, local clearing option and/or further qualify
the service or service level.
ISO Index: 2.36 CH PayTypDef: Type 1, 2.1, 2.2: Must be used.
Cardinality: 0..1 Type 8: Must not be used.
CH Status: D
Errorcode: CH21
C Document ISO Name: Code
+CstmrCdtTrfInitn XML Name: Cd
++PmtInf ISO Definition: Specifies the local instrument, as published in an
+++CdtTrfTxInf external local instrument code list.
++++PmtTpInf CH Definition: Codes according "Payments External Code Lists" [8].
+++++LclInstrm If used, then "Proprietary" must not be present.
++++++Cd UBS Notes: UBS does not consider this element, it will be ignored.
However, it must still be conform to the schema.
ISO Index: 2.37 Payment Type 8 bank cheque payments are not
Cardinality: 1..1 supported (value "CPP" is ignored as well).
CH Status: D
Length: 1 .. 35
Errorcode: CH16, CH17
C Document ISO Name: Proprietary
+CstmrCdtTrfInitn XML Name: Prtry
++PmtInf ISO Definition: Specifies the local instrument, as a proprietary code.
+++CdtTrfTxInf CH Definition: If used, then "Code" must not be present.
++++PmtTpInf CH PayTypDef: Type 1: CH01 must be used.
+++++LclInstrm Type 2.1: CH02 must be used.
++++++Prtry Type 2.2: CH03 must be used.
Each in combination with "PmtMtd" = TRF/TRA.
ISO Index: 2.38
Cardinality: 1..1
CH Status: D
Length: 1 .. 35
Errorcode: CH16, CH17
C Document ISO Name: Category Purpose
+CstmrCdtTrfInitn XML Name: CtgyPurp
++PmtInf ISO Definition: Specifies the high level purpose of the instruction

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Level XML Element Definition

+++CdtTrfTxInf based on a set of pre-defined categories.
++++PmtTpInf Usage: This is used by the initiating party to provide
+++++CtgyPurp information concerning the processing of the
payment. It is likely to trigger special processing by
ISO Index: 2.39 any of the agents involved in the payment chain.
Cardinality: 0..1 CH Definition: Any details of SALA/PENS should be sent at B-Level.
CH Status: O Other ISO codes may be supported by agreement with
the financial institution.
C Document ISO Name: Code
+CstmrCdtTrfInitn XML Name: Cd
++PmtInf ISO Definition: Category purpose, as published in an external
+++CdtTrfTxInf category purpose code list.
++++PmtTpInf UBS Notes: For salary/pension payments, the codes SALA and
+++++CtgyPurp PENS are used on B-Level. If on C-Level, these codes
++++++Cd are ignored. Codes SALA and PENS will result in a
booking without details.
ISO Index: In case of Payment Types 4 and 6 (Domestic Payment
Cardinality: 1..1 in foreign currencies and International Payments, ISO
CH Status: codes INTC and CORT will be further processed to the
Length: 1 .. 4 Beneficiary Bank.
Any another ISO code, e.g. HEDG, will be ignored.
Non-ISO codes will cause rejection of the whole B-
Level with Status Reason Code: CH16.
C Document ISO Name: Amount
+CstmrCdtTrfInitn XML Name: Amt
++PmtInf ISO Definition: Amount of money to be moved between the debtor
+++CdtTrfTxInf and creditor, before deduction of charges, expressed
++++Amt in the currency as ordered by the initiating party.
CH Definition: Either as "Instructed Amount" or "Equivalent
ISO Index: 2.42 Amount".
Cardinality: 1..1 For each currency transferred one B-Level must be
CH Status: M created.
UBS Notes: A B-Level may contain only one payment currency over
all C-Levels. If BatchBooking flag is set to false, then
each C-level in that B-Level is treated as a single
payment.
UBS Example: <Amt>
<EqvtAmt>
<Amt Ccy="EUR">177.20</Amt>
<CcyOfTrf>CHF</CcyOfTrf>
</EqvtAmt>
</Amt>
C Document ISO Name: Instructed Amount
+CstmrCdtTrfInitn XML Name: InstdAmt
++PmtInf ISO Definition: Amount of money to be moved between the debtor
+++CdtTrfTxInf and creditor, before deduction of charges, expressed
++++Amt in the currency as ordered by the initiating party.
+++++InstdAmt CH Definition: If used, then "Equivalent Amount" must not be
present.
ISO Index: 2.43 CH PayTypDef: Type 1, 2.1, 2.2, 3: Must contain CHF or EUR, the
Cardinality: 1..1 amount must be between 0.01 and 999999999.99.
CH Status: D Type 4: All currencies except CHF and EUR permitted.
Errorcode: AM01, AM02, CURR, Type 5: Must contain EUR, the amount must be
AM03, CH20 between 0.01 and 999999999.99.
UBS Notes: The number of fractional digits (or minor unit of
currency) must comply with ISO 4217.
UBS Example: <InstdAmt Ccy="CHF">1000.00</InstdAmt>
C ISO Name: Currency
ISO Index: XML Name: Ccy
Cardinality: ISO Definition: A code allocated to a currency by a Maintenance
CH Status: Agency under an international identification scheme,
as described in the latest edition of the international
standard ISO 4217 "Codes for the representation of
currencies and funds".
UBS Notes: Valid active currency codes according to ISO 4217

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 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

C Document ISO Name: Equivalent Amount
+CstmrCdtTrfInitn XML Name: EqvtAmt
++PmtInf ISO Definition: Amount of money to be moved between the debtor
+++CdtTrfTxInf and creditor, expressed in the currency of the debtor's
++++Amt account, and the currency in which the amount is to
+++++EqvtAmt be moved.
CH Definition: This element may only be used by agreement with the
ISO Index: 2.44 instructed financial institution.
Cardinality: 1..1 If used, then "Instructed Amount" must not be
CH Status: BD present.
Errorcode: CH17 CH PayTypDef: Type 1, 2.1, 2.2: Must not be used.
UBS Notes: UBS supports this element to sort out inaccuracies due
to exchange rate variability for transactions in creditor
account currency.
UBS Example: <EqvtAmt>
<Amt Ccy="EUR">1000.00</Amt>
<CcyOfTrf>USD</CcyOfTrf>
</EqvtAmt>
C Document ISO Name: Amount
+CstmrCdtTrfInitn XML Name: Amt
++PmtInf ISO Definition: Amount of money to be moved between debtor and
+++CdtTrfTxInf creditor, before deduction of charges, expressed in
++++Amt the currency of the debtor's account, and to be
+++++EqvtAmt moved in a different currency.
++++++Amt Usage: The first agent will convert the equivalent
amount into the amount to be moved.
ISO Index: 2.45 CH Definition: Must be used if "Equivalent Amount" is used.
Cardinality: 1..1 UBS Notes: The number of fractional digits (or minor unit of
CH Status: M currency) must comply with ISO 4217.
Errorcode: AM01, AM02, CURR,
AM03, CH20
C ISO Name: Currency
ISO Index: XML Name: Ccy
Cardinality: ISO Definition: A code allocated to a currency by a Maintenance
CH Status: Agency under an international identification scheme,
as described in the latest edition of the international
standard ISO 4217 "Codes for the representation of
currencies and funds".
UBS Notes: Valid active currency codes according to ISO 4217
C Document ISO Name: Currency Of Transfer
+CstmrCdtTrfInitn XML Name: CcyOfTrf
++PmtInf ISO Definition: Specifies the currency of the to be transferred
+++CdtTrfTxInf amount, which is different from the currency of the
++++Amt debtor's account.
+++++EqvtAmt CH Definition: Must be used if "Equivalent Amount" is used.
++++++CcyOfTrf UBS Notes: Valid active currency codes according to ISO 4217

ISO Index: 2.46

Cardinality: 1..1
CH Status: M
Errorcode: CURR, AM03
C Document ISO Name: Exchange Rate Information
+CstmrCdtTrfInitn XML Name: XchgRateInf
++PmtInf ISO Definition: Set of elements used to provide details on the
+++CdtTrfTxInf currency exchange rate and contract.
++++XchgRateInf CH Definition: This element may only be used by agreement with the
instructed financial institution.
ISO Index: 2.47 UBS Notes: UBS does not consider this element resp. the content
Cardinality: 0..1 of this element. It will be ignored. However, it must
CH Status: BD still conform to the schema.
Errorcode: CH17
C Document ISO Name: Exchange Rate
+CstmrCdtTrfInitn XML Name: XchgRate
++PmtInf ISO Definition: The factor used for conversion of an amount from
+++CdtTrfTxInf

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 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

++++XchgRateInf one currency to another. This reflects the price at
+++++XchgRate which one currency was bought with another
currency.
ISO Index: CH Definition: Exchange rate in a currency unit of 1 (e.g. £, $, EUR).
Cardinality: 0..1 For currencies where the currency unit = 100 (e.g.
CH Status: O YEN, DKK, SEK) the exchange rate must be reduced to
the unit of 1.
C Document ISO Name: Rate Type
+CstmrCdtTrfInitn XML Name: RateTp
++PmtInf ISO Definition: Specifies the type used to complete the currency
+++CdtTrfTxInf exchange.
++++XchgRateInf CH Definition: Is currently ignored by financial institutions.
+++++RateTp

ISO Index:
Cardinality: 0..1
CH Status: O
C Document ISO Name: Contract Identification
+CstmrCdtTrfInitn XML Name: CtrctId
++PmtInf ISO Definition: Unique and unambiguous reference to the foreign
+++CdtTrfTxInf exchange contract agreed between the initiating
++++XchgRateInf party/creditor and the debtor agent.
+++++CtrctId CH Definition: Is currently ignored by financial institutions.

ISO Index:
Cardinality: 0..1
CH Status: O
Length: 1 .. 35
C Document ISO Name: Charge Bearer
+CstmrCdtTrfInitn XML Name: ChrgBr
++PmtInf ISO Definition: Specifies which party/parties will bear the charges
+++CdtTrfTxInf associated with the processing of the payment
++++ChrgBr transaction.
CH Definition: Can be used at B-Level or C-Level but not at both at
ISO Index: 2.51 the same time. Zulässige Codes sind:
Cardinality: 0..1 • DEBT Borne by Debtor (ex OUR)
CH Status: O • CRED Borne by Creditor (ex BEN)
Errorcode: CH07, CH16 • SHAR Shared (ex. SHA)
• SLEV Service Level
CH PayTypDef: Type 5: If used then SLEV must be used.
UBS Notes: The default is SHAR if the code is not present. If
"SvcLvl Code" = SEPA, SLEV is required, SHAR is not
allowed. Status Reason Code: CH16.
Note: each C-Level within a B-Level may have a
different code if not present on B-Level.
C Document ISO Name: Cheque Instruction
+CstmrCdtTrfInitn XML Name: ChqInstr
++PmtInf ISO Definition: Set of elements needed to issue a cheque.
+++CdtTrfTxInf CH Definition: May only be used in combination with "PmtMtd" =
++++ChqInstr CHK.
CH PayTypDef: Type 1, 2.1, 2.2, 3, 4, 5, 6: Must not be used.
ISO Index: 2.52 UBS Notes: Bank cheque payment (Payment Type 8) is not
Cardinality: 0..1 supported. Payment Method 'CHK' will be rejected.
CH Status: D Status Reason Code CH17.
Errorcode: CH17
C Document ISO Name: Cheque Type
+CstmrCdtTrfInitn XML Name: ChqTp
++PmtInf ISO Definition: Specifies the type of cheque to be issued.
+++CdtTrfTxInf
++++ChqInstr
+++++ChqTp

ISO Index: 2.53

Cardinality: 0..1
CH Status: O

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 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

C Document ISO Name: Delivery Method
+CstmrCdtTrfInitn XML Name: DlvryMtd
++PmtInf ISO Definition: Specifies the delivery method of the cheque by the
+++CdtTrfTxInf debtor's agent.
++++ChqInstr
+++++DlvryMtd

ISO Index: 2.58

Cardinality: 0..1
CH Status: O
C Document ISO Name: Code
+CstmrCdtTrfInitn XML Name: Cd
++PmtInf ISO Definition: Specifies the delivery method of the cheque by the
+++CdtTrfTxInf debtor's agent.
++++ChqInstr CH Definition: If used, then "Proprietary" must not be present.
+++++DlvryMtd
++++++Cd

ISO Index: 2.59

Cardinality: 1..1
CH Status: D
C Document ISO Name: Proprietary
+CstmrCdtTrfInitn XML Name: Prtry
++PmtInf ISO Definition: Specifies a proprietary delivery method of the cheque
+++CdtTrfTxInf by the debtor's agent.
++++ChqInstr CH Definition: If used, then "Code" must not be present.
+++++DlvryMtd
++++++Prtry

ISO Index: 2.6

Cardinality: 1..1
CH Status: D
Length: 1 .. 35
C Document ISO Name: Ultimate Debtor
+CstmrCdtTrfInitn XML Name: UltmtDbtr
++PmtInf ISO Definition: Ultimate party that owes an amount of money to the
+++CdtTrfTxInf (ultimate) creditor.
++++UltmtDbtr CH Definition: Can be used at B-Level or C-Level but not at both at
the same time.
ISO Index: 2.7
Cardinality: 0..1
CH Status: O
Errorcode: CH07
C Document ISO Name: Name
+CstmrCdtTrfInitn XML Name: Nm
++PmtInf ISO Definition: Name by which a party is known and which is usually
+++CdtTrfTxInf used to identify that party.
++++UltmtDbtr CH Definition: Maximum 70 characters
+++++Nm

ISO Index: 2.7

Cardinality: 0..1
CH Status: O
Length: 1 .. 70
C Document ISO Name: Postal Address
+CstmrCdtTrfInitn XML Name: PstlAdr
++PmtInf ISO Definition: Information that locates and identifies a specific
+++CdtTrfTxInf address, as defined by postal services.
++++UltmtDbtr CH Definition: Simultaneous use of the structured elements
+++++PstlAdr <StrtNm> / <BldgNb> / <PstCd> / <TwnNm> and the
unstructured element <AdrLine> is not permitted.
ISO Index: 2.7 CH PayTypDef: Type 5: Is not forwarded in interbank traffic.
Cardinality: 0..1
CH Status: O
C Document ISO Name: Identification

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 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

+CstmrCdtTrfInitn XML Name: Id
++PmtInf ISO Definition: Unique and unambiguous identification of a party.
+++CdtTrfTxInf
++++UltmtDbtr
+++++Id

ISO Index: 2.7

Cardinality: 0..1
CH Status: O
C Document ISO Name: Organisation Identification
+CstmrCdtTrfInitn XML Name: OrgId
++PmtInf ISO Definition: Unique and unambiguous way to identify an
+++CdtTrfTxInf organisation.
++++UltmtDbtr CH Definition: Only "BICOrBEI" or an element from "Other"
+++++Id permitted.
++++++OrgId If used, the "Private Identification" must not be
present.
ISO Index: 2.7
Cardinality: 1..1
CH Status: D
Errorcode: CH17
C Document ISO Name: Private Identification
+CstmrCdtTrfInitn XML Name: PrvtId
++PmtInf ISO Definition: Unique and unambiguous identification of a person,
+++CdtTrfTxInf eg, passport.
++++UltmtDbtr CH Definition: Only "Date And Place Of Birth" or an element from
+++++Id "Other" permitted.
++++++PrvtId If used, "Organisation Identification" must not be
present.
ISO Index: 2.7
Cardinality: 1..1
CH Status: D
C Document ISO Name: Intermediary Agent 1
+CstmrCdtTrfInitn XML Name: IntrmyAgt1
++PmtInf ISO Definition: Agent between the debtor's agent and the creditor's
+++CdtTrfTxInf agent.
++++IntrmyAgt1
Usage: If more than one intermediary agent is
ISO Index: 2.71 present, then IntermediaryAgent1 identifies the agent
Cardinality: 0..1 between the DebtorAgent and the
CH Status: BD IntermediaryAgent2.
Errorcode: RC01 CH Definition: This element may only be used by agreement with the
instructed financial institution.
If used, generally with BIC.
CH PayTypDef: Type 4 and 6: May be present.
Other types: Must not be sent.
UBS Notes: Can be used, but only for payment type 4 or payment
type 6. However, there should be a valid BIC,
otherwise the C-Level will be rejected with Reason
Code RC01.
UBS Example: <IntrmyAgt1>
<FinInstnId>
<BIC>DEUTDEFFXXX</BIC>
</FinInstnId>
</IntrmyAgt1>
C Document ISO Name: Creditor Agent
+CstmrCdtTrfInitn XML Name: CdtrAgt
++PmtInf ISO Definition: Financial institution servicing an account for the
+++CdtTrfTxInf creditor.
++++CdtrAgt CH PayTypDef: Type 1, 2.1, 8: Must not be used.
Type 3: IBAN-only: Creditor Agent can be omitted
ISO Index: 2.77 where IBAN/QR-IBAN (CH/LI) is sent in the Creditor
Cardinality: 0..1 Account.
CH Status: D If both the IBAN/QR-IBAN and the IID or BIC are sent,
Errorcode: CH17, CH21 the Creditor Agent will be worked out from the IBAN

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 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

when the payment is executed.
Type 5: The Creditor Agent does not need to be
entered for SEPA payments (payment type 5).
If both the IBAN/QR-IBAN and the IID or BIC are sent,
the Creditor Agent will be worked out from the IBAN
when the payment is executed.
For all other payment types, the "Creditor Agent"
must be present.
UBS Example: <CdtrAgt>
<FinInstnId>
<BIC>HSHNDEHH</BIC>
</FinInstnId>
</CdtrAgt>
C Document ISO Name: Financial Institution Identification
+CstmrCdtTrfInitn XML Name: FinInstnId
++PmtInf ISO Definition: Unique and unambiguous identification of a financial
+++CdtTrfTxInf institution, as assigned under an internationally
++++CdtrAgt recognised or proprietary identification scheme.
+++++FinInstnId CH Definition: Must be used if "Creditor Agent" is used.
CH PayTypDef: Type 2.2:
ISO Index: 2.77 • V1: IID
Cardinality: 1..1 • V2: IID and postal account of the bank
CH Status: M • V3: Postal account of the bank and name of the
bank
Type 3:
• V1: IID
• V2: BIC Domestic (CH/LI)
• V3: IBAN-only: Creditor Agent can be omitted where
IBAN/QR-IBAN (CH/LI) is sent in the Creditor Account.
Type 4:
• V1: BIC Domestic (CH/LI)
• V2: IID and Name and address of financial institution
• V3: Name and address of financial institution
Type 5: BIC
Type 6: Recommendation: Use BIC.
• V1: "BIC International"
• V2: Bank code (without IID) and name and address
of financial institution
• V3: Name and address of financial institution
C Document ISO Name: BIC
+CstmrCdtTrfInitn XML Name: BIC
++PmtInf ISO Definition: Code allocated to a financial institution by the ISO
+++CdtTrfTxInf 9362 Registration Authority as described in ISO 9362
++++CdtrAgt "Banking - Banking telecommunication messages -
+++++FinInstnId Business identifier code (BIC)".
++++++BIC CH Definition: If used, then "Clearing System Member Identification"
must not be present.
ISO Index: 2.77 CH PayTypDef: Type 3(V2), 4(V1): May be present.
Cardinality: 0..1 Type 5: May be present. With payment type 5, the
CH Status: D Creditor Agent is always worked out from the IBAN
Errorcode: AGNT for execution of the payment.
Type 6: Must contain "BIC International".
UBS Notes: UBS supports IBAN-Only, Type 3 (V3)
C Document ISO Name: Clearing System Member Identification
+CstmrCdtTrfInitn XML Name: ClrSysMmbId
++PmtInf ISO Definition: Information used to identify a member within a
+++CdtTrfTxInf clearing system.
++++CdtrAgt CH Definition: If used, then BIC must not be present.
+++++FinInstnId CH PayTypDef: Type 2.2(V1, V2), 3(V1), 4(V2), 6: May be present.
++++++ClrSysMmbId Type 5: Must not be used.

ISO Index: 2.77

Cardinality: 0..1
CH Status: D
Errorcode: CH17

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 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

C Document ISO Name: Clearing System Identification
+CstmrCdtTrfInitn XML Name: ClrSysId
++PmtInf ISO Definition: Specification of a pre-agreed offering between
+++CdtTrfTxInf clearing agents or the channel through which the
++++CdtrAgt payment instruction is processed.
+++++FinInstnId
++++++ClrSysMmbId
+++++++ClrSysId

ISO Index: 2.77

Cardinality: 0..1
CH Status: M
C Document ISO Name: Code
+CstmrCdtTrfInitn XML Name: Cd
++PmtInf ISO Definition: Identification of a clearing system, in a coded form as
+++CdtTrfTxInf published in an external list.
++++CdtrAgt CH Definition: Type of Clearing ID (Bank Code, "National Identifier").
+++++FinInstnId Gives information about the type of identification in
++++++ClrSysMmbId the "Member Identification" field.
+++++++ClrSysId Codes according "Payments External Code Lists" [8].
++++++++Cd If used, then "Proprietary" must not be present.
CH PayTypDef: Type 2.2(V1, V2), 3(V1), 4(V2): Must contain CHBCC.
ISO Index: 2.77 Type 6: If used, it must not contain CHBCC.
Cardinality: 1..1
CH Status: D
Length: 1 .. 5
Errorcode: CH16, CH17
C Document ISO Name: Proprietary
+CstmrCdtTrfInitn XML Name: Prtry
++PmtInf ISO Definition: Identification code for a clearing system, that has not
+++CdtTrfTxInf yet been identified in the list of clearing systems.
++++CdtrAgt CH Definition: If used, then "Code" must not be present.
+++++FinInstnId CH PayTypDef: Type 1, 2.1, 2.2, 3, 4, 5, 8: Must not be used.
++++++ClrSysMmbId
+++++++ClrSysId
++++++++Prtry

ISO Index: 2.77

Cardinality: 1..1
CH Status: D
Length: 1 .. 35
Errorcode: CH17
C Document ISO Name: Member Identification
+CstmrCdtTrfInitn XML Name: MmbId
++PmtInf ISO Definition: Identification of a member of a clearing system.
+++CdtTrfTxInf CH Definition: Clearing ID (Bank Code, "National Identifier") of the
++++CdtrAgt receiver institution.
+++++FinInstnId Must be used if "Clearing System Member
++++++ClrSysMmbId Identification" is used.
+++++++MmbId

ISO Index: 2.77

Cardinality: 1..1
CH Status: M
Length: 1 .. 35
Errorcode: AGNT
C Document ISO Name: Name
+CstmrCdtTrfInitn XML Name: Nm
++PmtInf ISO Definition: Name by which an agent is known and which is
+++CdtTrfTxInf usually used to identify that agent.
++++CdtrAgt CH Definition: Maximum 70 characters
+++++FinInstnId CH PayTypDef: Type 2.2(V3), 4(V3), 6(V2, V3): Must be present.
++++++Nm Type 4(V2): May be present.
Other types: Must not be present.
ISO Index: 2.77

31
 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

Cardinality: 0..1
CH Status: D
Length: 1 .. 70
Errorcode: CH17, CH21
C Document ISO Name: Postal Address
+CstmrCdtTrfInitn XML Name: PstlAdr
++PmtInf ISO Definition: Information that locates and identifies a specific
+++CdtTrfTxInf address, as defined by postal services.
++++CdtrAgt CH Definition: Structured if possible.
+++++FinInstnId Simultaneous use of the structured elements
++++++PstlAdr <StrtNm> / <BldgNb> / <PstCd> / <TwnNm> and the
unstructured element <AdrLine> is not permitted.
ISO Index: 2.77 CH PayTypDef: Type 4(V3), 6(V2, V3): Must be present.
Cardinality: 0..1 Type 4(V2): May be present.
CH Status: D Other types: Must not be present.
Errorcode: CH17, CH21
C Document ISO Name: Address Type
+CstmrCdtTrfInitn XML Name: AdrTp
++PmtInf ISO Definition: Identifies the nature of the postal address.
+++CdtTrfTxInf CH Definition: Is currently ignored by financial institutions.
++++CdtrAgt
+++++FinInstnId
++++++PstlAdr
+++++++AdrTp

ISO Index: 2.77

Cardinality: 0..1
CH Status: O
C Document ISO Name: Department
+CstmrCdtTrfInitn XML Name: Dept
++PmtInf ISO Definition: Identification of a division of a large organisation or
+++CdtTrfTxInf building.
++++CdtrAgt CH Definition: Is currently ignored by financial institutions.
+++++FinInstnId
++++++PstlAdr
+++++++Dept

ISO Index: 2.77

Cardinality: 0..1
CH Status: O
Length: 1 .. 70
C Document ISO Name: Sub Department
+CstmrCdtTrfInitn XML Name: SubDept
++PmtInf ISO Definition: Identification of a sub-division of a large organisation
+++CdtTrfTxInf or building.
++++CdtrAgt CH Definition: Is currently ignored by financial institutions.
+++++FinInstnId
++++++PstlAdr
+++++++SubDept

ISO Index: 2.77

Cardinality: 0..1
CH Status: O
Length: 1 .. 70
C Document ISO Name: Street Name
+CstmrCdtTrfInitn XML Name: StrtNm
++PmtInf ISO Definition: Name of a street or thoroughfare.
+++CdtTrfTxInf CH Definition: Recommendation: Use.
++++CdtrAgt
+++++FinInstnId
++++++PstlAdr
+++++++StrtNm

ISO Index: 2.77

Cardinality: 0..1

32
 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

CH Status: R
Length: 1 .. 70
C Document ISO Name: Building Number
+CstmrCdtTrfInitn XML Name: BldgNb
++PmtInf ISO Definition: Number that identifies the position of a building on a
+++CdtTrfTxInf street.
++++CdtrAgt CH Definition: Recommendation: Use.
+++++FinInstnId
++++++PstlAdr
+++++++BldgNb

ISO Index: 2.77

Cardinality: 0..1
CH Status: R
Length: 1 .. 16
C Document ISO Name: Post Code
+CstmrCdtTrfInitn XML Name: PstCd
++PmtInf ISO Definition: Identifier consisting of a group of letters and/or
+++CdtTrfTxInf numbers that is added to a postal address to assist the
++++CdtrAgt sorting of mail.
+++++FinInstnId CH Definition: Recommendation: Use.
++++++PstlAdr
+++++++PstCd

ISO Index: 2.77

Cardinality: 0..1
CH Status: R
Length: 1 .. 16
C Document ISO Name: Town Name
+CstmrCdtTrfInitn XML Name: TwnNm
++PmtInf ISO Definition: Name of a built-up area, with defined boundaries,
+++CdtTrfTxInf and a local government.
++++CdtrAgt CH Definition: Recommendation: Use.
+++++FinInstnId
++++++PstlAdr
+++++++TwnNm

ISO Index: 2.77

Cardinality: 0..1
CH Status: R
Length: 1 .. 35
C Document ISO Name: Country Sub Division
+CstmrCdtTrfInitn XML Name: CtrySubDvsn
++PmtInf ISO Definition: Identifies a subdivision of a country such as state,
+++CdtTrfTxInf region, county.
++++CdtrAgt CH Definition: Is currently ignored by financial institutions.
+++++FinInstnId
++++++PstlAdr
+++++++CtrySubDvsn

ISO Index: 2.77

Cardinality: 0..1
CH Status: O
Length: 1 .. 35
C Document ISO Name: Country
+CstmrCdtTrfInitn XML Name: Ctry
++PmtInf ISO Definition: Nation with its own government.
+++CdtTrfTxInf CH Definition: Recommendation: Use.
++++CdtrAgt UBS Notes: Recommendation to indicate the country code (ISO
+++++FinInstnId 3166, Alpha-2 code)
++++++PstlAdr
+++++++Ctry

ISO Index: 2.77

Cardinality: 0..1

33
 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

CH Status: R
Errorcode: AG06
C Document ISO Name: Address Line
+CstmrCdtTrfInitn XML Name: AdrLine
++PmtInf ISO Definition: Information that locates and identifies a specific
+++CdtTrfTxInf address, as defined by postal services, presented in
++++CdtrAgt free format text.
+++++FinInstnId CH Definition: Maximum two lines permitted.
++++++PstlAdr
+++++++AdrLine

ISO Index: 2.77

Cardinality: 0..2
CH Status: O
Length: 1 .. 70
C Document ISO Name: Other
+CstmrCdtTrfInitn XML Name: Othr
++PmtInf ISO Definition: Unique identification of an agent, as assigned by an
+++CdtTrfTxInf institution, using an identification scheme.
++++CdtrAgt CH PayTypDef: Type 2.2(V2, V3): Must be present.
+++++FinInstnId Other types: Must not be present.
++++++Othr UBS Example: <CdtrAgt>
<FinInstnId>
ISO Index: 2.77 <ClrSysMmbId>
Cardinality: 0..1 <ClrSysId>
CH Status: D <Cd>CHBCC</Cd>
Errorcode: CH17, CH21 </ClrSysId>
<MmbId>206</MmbId>
</ClrSysMmbId>
<Nm>Name Bank</Nm>
<Othr>
<Id>40-61-4</Id>
</Othr>
</FinInstnId>
</CdtrAgt>
C Document ISO Name: Identification
+CstmrCdtTrfInitn XML Name: Id
++PmtInf ISO Definition:
Unique and unambiguous identification of a person.
+++CdtTrfTxInf CH Definition:
Must be used if "Other" is used.
++++CdtrAgt CH PayTypDef:Type 2.2(V2, V3): Must contain postal account of bank
+++++FinInstnId (example: "80-2-2" or "800000022").
++++++Othr UBS Example: <Othr>
+++++++Id <Id>40-61-4</Id>
</Othr>
ISO Index: 2.77
Cardinality: 1..1
CH Status: M
Length: 1 .. 35
Errorcode: AGNT, RC01
C Document ISO Name: Creditor
+CstmrCdtTrfInitn XML Name: Cdtr
++PmtInf ISO Definition:
Party to which an amount of money is due.
+++CdtTrfTxInf CH PayTypDef:Type 1: May be present.
++++Cdtr Other types: Must be present.
UBS Example: <Cdtr>
ISO Index: 2.79 <Nm>Peter Muster SA</Nm>
Cardinality: 0..1 <PstlAdr>
CH Status: D <StrtNm>Mainstreet</StrtNm>
Errorcode: CH21 <BldgNb>24</BldgNb>
<PstCd>8000</PstCd>
<TwnNm>Zurich</TwnNm>
<Ctry>CH</Ctry>
</PstlAdr>
</Cdtr>
C Document ISO Name: Name

34
 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

+CstmrCdtTrfInitn XML Name: Nm
++PmtInf ISO Definition: Name by which a party is known and which is usually
+++CdtTrfTxInf used to identify that party.
++++Cdtr CH Definition: Must be used if "Creditor" is used, maximum 70
+++++Nm characters.

ISO Index: 2.79

Cardinality: 1..1
CH Status: M
Length: 1 .. 70
Errorcode: CH21
C Document ISO Name: Postal Address
+CstmrCdtTrfInitn XML Name: PstlAdr
++PmtInf ISO Definition: Information that locates and identifies a specific
+++CdtTrfTxInf address, as defined by postal services.
++++Cdtr CH Definition: If possible structured.
+++++PstlAdr Simultaneous use of the structured elements
<StrtNm>/<BldgNb>/<PstCd>/<TwnNm> and the
ISO Index: 2.79 unstructured element <AdrLine> is not permitted.
Cardinality: 0..1 CH PayTypDef: Type 5, 6: It is recommended to use the <Ctry> and
CH Status: O <AdrLine> elements. If information is missing, it can
Errorcode: CH16 lead to rejections.
C Document ISO Name: Address Type
+CstmrCdtTrfInitn XML Name: AdrTp
++PmtInf ISO Definition: Identifies the nature of the postal address.
+++CdtTrfTxInf CH Definition: Is currently ignored by financial institutions.
++++Cdtr
+++++PstlAdr
++++++AdrTp

ISO Index: 2.79

Cardinality: 0..1
CH Status: O
Errorcode: CH17
C Document ISO Name: Department
+CstmrCdtTrfInitn XML Name: Dept
++PmtInf ISO Definition: Identification of a division of a large organisation or
+++CdtTrfTxInf building.
++++Cdtr CH Definition: Is currently ignored by financial institutions.
+++++PstlAdr
++++++Dept

ISO Index: 2.79

Cardinality: 0..1
CH Status: O
Length: 1 .. 70
Errorcode: CH17
C Document ISO Name: Sub Department
+CstmrCdtTrfInitn XML Name: SubDept
++PmtInf ISO Definition: Identification of a sub-division of a large organisation
+++CdtTrfTxInf or building.
++++Cdtr CH Definition: Is currently ignored by financial institutions.
+++++PstlAdr
++++++SubDept

ISO Index: 2.79

Cardinality: 0..1
CH Status: O
Length: 1 .. 70
Errorcode: CH17
C Document ISO Name: Street Name
+CstmrCdtTrfInitn XML Name: StrtNm
++PmtInf ISO Definition: Name of a street or thoroughfare.
+++CdtTrfTxInf CH Definition: Recommendation: Use.

35
 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

++++Cdtr CH PayTypDef: Type 5: Recommendation: Do not use.
+++++PstlAdr
++++++StrtNm

ISO Index: 2.79

Cardinality: 0..1
CH Status: R
Length: 1 .. 70
Errorcode: CH17
C Document ISO Name: Building Number
+CstmrCdtTrfInitn XML Name: BldgNb
++PmtInf ISO Definition: Number that identifies the position of a building on a
+++CdtTrfTxInf street.
++++Cdtr CH Definition: Recommendation: Use.
+++++PstlAdr CH PayTypDef: Type 5: Recommendation: Do not use.
++++++BldgNb

ISO Index: 2.79

Cardinality: 0..1
CH Status: R
Length: 1 .. 16
Errorcode: CH17
C Document ISO Name: Post Code
+CstmrCdtTrfInitn XML Name: PstCd
++PmtInf ISO Definition: Identifier consisting of a group of letters and/or
+++CdtTrfTxInf numbers that is added to a postal address to assist the
++++Cdtr sorting of mail.
+++++PstlAdr CH Definition: Recommendation: Use.
++++++PstCd CH PayTypDef: Type 5: Recommendation: Do not use.
Type 8: Must be present.
ISO Index: 2.79
Cardinality: 0..1
CH Status: D
Length: 1 .. 16
Errorcode: CH17, CH21
C Document ISO Name: Town Name
+CstmrCdtTrfInitn XML Name: TwnNm
++PmtInf ISO Definition: Name of a built-up area, with defined boundaries,
+++CdtTrfTxInf and a local government.
++++Cdtr CH Definition: Recommendation: Use.
+++++PstlAdr CH PayTypDef: Type 5: Recommendation: Do not use.
++++++TwnNm Type 8: Must be present.

ISO Index: 2.79

Cardinality: 0..1
CH Status: D
Length: 1 .. 35
Errorcode: CH17, CH21
C Document ISO Name: Country Sub Division
+CstmrCdtTrfInitn XML Name: CtrySubDvsn
++PmtInf ISO Definition: Identifies a subdivision of a country such as state,
+++CdtTrfTxInf region, county.
++++Cdtr CH Definition: Is currently ignored by financial institutions.
+++++PstlAdr
++++++CtrySubDvsn

ISO Index: 2.79

Cardinality: 0..1
CH Status: O
Length: 1 .. 35
Errorcode: CH17
C Document ISO Name: Country
+CstmrCdtTrfInitn XML Name: Ctry
++PmtInf ISO Definition: Nation with its own government.

36
 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

+++CdtTrfTxInf CH Definition: It is recommended to supply this element, especially in
++++Cdtr the case of foreign payments.
+++++PstlAdr CH PayTypDef: Type 8: Must be present.
++++++Ctry

ISO Index: 2.79

Cardinality: 0..1
CH Status: D
Errorcode: CH21, BE09
C Document ISO Name: Address Line
+CstmrCdtTrfInitn XML Name: AdrLine
++PmtInf ISO Definition: Information that locates and identifies a specific
+++CdtTrfTxInf address, as defined by postal services, presented in
++++Cdtr free format text.
+++++PstlAdr CH Definition: Maximum two lines permitted.
++++++AdrLine It is recommended to supply this element in the case
of foreign payments.
ISO Index: 2.79 CH PayTypDef: Type 8: Must not be present.
Cardinality: 0..2
CH Status: D
Length: 1 .. 70
Errorcode: CH17
C Document ISO Name: Identification
+CstmrCdtTrfInitn XML Name: Id
++PmtInf ISO Definition: Unique and unambiguous identification of a party.
+++CdtTrfTxInf CH PayTypDef: Type 1, 2.1, 2.2, 8: Must not be used.
++++Cdtr
+++++Id

ISO Index: 2.79

Cardinality: 0..1
CH Status: D
Errorcode: CH17
C Document ISO Name: Organisation Identification
+CstmrCdtTrfInitn XML Name: OrgId
++PmtInf ISO Definition: Unique and unambiguous way to identify an
+++CdtTrfTxInf organisation.
++++Cdtr CH Definition: Either the "BICOrBEI" element or an element from
+++++Id "Other" may be used.
++++++OrgId If used, the "Private Identification" must not be
present.
ISO Index: 2.79
Cardinality: 1..1
CH Status: D
C Document ISO Name: Private Identification
+CstmrCdtTrfInitn XML Name: PrvtId
++PmtInf ISO Definition: Unique and unambiguous identification of a person,
+++CdtTrfTxInf eg, passport.
++++Cdtr CH Definition: Either the "Date And Place Of Birth" element or an
+++++Id element from "Other" may be used.
++++++PrvtId If used, "Organisation Identification" must not be
present.
ISO Index: 2.79
Cardinality: 1..1
CH Status: D
C Document ISO Name: Creditor Account
+CstmrCdtTrfInitn XML Name: CdtrAcct
++PmtInf ISO Definition: Unambiguous identification of the account of the
+++CdtTrfTxInf creditor to which a credit entry will be posted as a
++++CdtrAcct result of the payment transaction.
CH Definition: Must not be used in combination with "PmtMtd" =
ISO Index: 2.8 CHK.
Cardinality: 0..1 CH PayTypDef: Type 1, 2.1, 2.2, 3, 4, 5, 6: Must be present.
CH Status: D Type 2.2: Must not contain a postal account number.
Type 8: Must not be used.

37
 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

Errorcode: CH17, CH21 UBS Example: <CdtrAcct>
<Id>
<IBAN>DE73210501701001691268</IBAN>
</Id>
</CdtrAcct>
C Document ISO Name: Identification
+CstmrCdtTrfInitn XML Name: Id
++PmtInf ISO Definition: Unique and unambiguous identification for the
+++CdtTrfTxInf account between the account owner and the account
++++CdtrAcct servicer.
+++++Id CH Definition: Recommendation: Whenever possible the IBAN should
be used.
ISO Index: 2.8 Must be used if "Creditor Account" is used.
Cardinality: 1..1
CH Status: M
C Document ISO Name: IBAN
+CstmrCdtTrfInitn XML Name: IBAN
++PmtInf ISO Definition: International Bank Account Number (IBAN) - identifier
+++CdtTrfTxInf used internationally by financial institutions to
++++CdtrAcct uniquely identify the account of a customer. Further
+++++Id specifications of the format and content of the IBAN
++++++IBAN can be found in the standard ISO 13616 "Banking
and related financial services - International Bank
ISO Index: 2.8 Account Number (IBAN)" version 1997-10-01, or later
Cardinality: 1..1 revisions.
CH Status: D CH Definition: If used, "Other" must not be present.
Errorcode: AC01, CH21, BE09, CH PayTypDef: Type 1, 2.1: Must not be used.
CH16 Type 2.2, 4, 6: Use is recommended.
Type 3: If used, an IBAN or QR-IBAN (CH/LI) (IBAN-
only) must be present.
Type 5: Must be present.
UBS Notes: If the IBAN is not correct, the C-Level will be rejected
with Reason Code CH16.
C Document ISO Name: Other
+CstmrCdtTrfInitn XML Name: Othr
++PmtInf ISO Definition: Unique identification of an account, as assigned by
+++CdtTrfTxInf the account servicer, using an identification scheme.
++++CdtrAcct CH Definition: If used, then IBAN must not be present.
+++++Id CH PayTypDef: Type 1, 2.1: Must be present.
++++++Othr Type 2.2, 3, 4, 6: May be present.
Type 5: Must not be used.
ISO Index: 2.8
Cardinality: 1..1
CH Status: D
Errorcode: CH17, CH21
C Document ISO Name: Identification
+CstmrCdtTrfInitn XML Name: Id
++PmtInf ISO Definition: Identification assigned by an institution.
+++CdtTrfTxInf CH Definition: Must be used if "Other" is used.
++++CdtrAcct CH PayTypDef: Type 1: Must contain an ISR participant number:
+++++Id • Max. 11-character with hyphens: VV-XXXXXX-P (X =
++++++Othr serial number right-aligned, no zeros on the left)
+++++++Id Example: "01-162-8"
• Always 9-character without hyphens: VVXXXXXXP (X
ISO Index: 2.8 = serial number right-aligned, zeros on the left)
Cardinality: 1..1 Example: "010001628"
CH Status: M
Length: 1 .. 34 - VV = prefix: value is 01 or 03
Errorcode: AC01 - XXXXXX = serial number: must be >000000
- P = check digit in accordance with Modulo 10,
recursive

Type 2.1: Must contain a postal account number (e.g.

"70-4152-8" or "700041528").
C Document ISO Name: Ultimate Creditor

38
 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

+CstmrCdtTrfInitn XML Name: UltmtCdtr
++PmtInf ISO Definition: Ultimate party to which an amount of money is due.
+++CdtTrfTxInf CH Definition: Ultimate creditor
++++UltmtCdtr In this element, the creditor and/or the debtor can
further specify the ultimate creditor, for their own
ISO Index: 2.81 purposes. The data is simply forwarded by the
Cardinality: 0..1 financial institutions (where technically possible).
CH Status: D CH PayTypDef: Type 1, 2.1, 2.2: Must not be used.
Errorcode: CH17 UBS Example: <UltmtCdtr>
<Nm>Name Ultimate Creditor </Nm>
<PstlAdr>
<AdrLine>Adresse Ultimate Creditor</AdrLine>
</PstlAdr>
</UltmtCdtr>
C Document ISO Name: Name
+CstmrCdtTrfInitn XML Name: Nm
++PmtInf ISO Definition: Name by which a party is known and which is usually
+++CdtTrfTxInf used to identify that party.
++++UltmtCdtr CH Definition: Must be used if "Ultimate Creditor" is used,
+++++Nm maximum 70 characters.

ISO Index: 2.81

Cardinality: 1..1
CH Status: M
Length: 1 .. 70
C Document ISO Name: Postal Address
+CstmrCdtTrfInitn XML Name: PstlAdr
++PmtInf ISO Definition: Information that locates and identifies a specific
+++CdtTrfTxInf address, as defined by postal services.
++++UltmtCdtr CH Definition: If possible structured.
+++++PstlAdr Simultaneous use of the structured elements
<StrtNm>/<BldgNb>/<PstCd>/<TwnNm> and the
ISO Index: 2.81 unstructured element <AdrLine> is not permitted.
Cardinality: 0..1 CH PayTypDef: Type 5: Is not forwarded in interbank traffic.
CH Status: D
Errorcode: CH17
C Document ISO Name: Address Type
+CstmrCdtTrfInitn XML Name: AdrTp
++PmtInf ISO Definition: Identifies the nature of the postal address.
+++CdtTrfTxInf CH Definition: Is currently ignored by financial institutions.
++++UltmtCdtr
+++++PstlAdr
++++++AdrTp

ISO Index: 2.81

Cardinality: 0..1
CH Status: O
C Document ISO Name: Department
+CstmrCdtTrfInitn XML Name: Dept
++PmtInf ISO Definition: Identification of a division of a large organisation or
+++CdtTrfTxInf building.
++++UltmtCdtr CH Definition: Is currently ignored by financial institutions.
+++++PstlAdr
++++++Dept

ISO Index: 2.81

Cardinality: 0..1
CH Status: O
Length: 1 .. 70
C Document ISO Name: Sub Department
+CstmrCdtTrfInitn XML Name: SubDept
++PmtInf ISO Definition: Identification of a sub-division of a large organisation
+++CdtTrfTxInf or building.
++++UltmtCdtr CH Definition: Is currently ignored by financial institutions.
+++++PstlAdr

39
 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

++++++SubDept

ISO Index: 2.81

Cardinality: 0..1
CH Status: O
Length: 1 .. 70
C Document ISO Name: Street Name
+CstmrCdtTrfInitn XML Name: StrtNm
++PmtInf ISO Definition: Name of a street or thoroughfare.
+++CdtTrfTxInf CH Definition: Recommendation: Use.
++++UltmtCdtr
+++++PstlAdr
++++++StrtNm

ISO Index: 2.81

Cardinality: 0..1
CH Status: R
Length: 1 .. 70
C Document ISO Name: Building Number
+CstmrCdtTrfInitn XML Name: BldgNb
++PmtInf ISO Definition: Number that identifies the position of a building on a
+++CdtTrfTxInf street.
++++UltmtCdtr CH Definition: Recommendation: Use.
+++++PstlAdr
++++++BldgNb

ISO Index: 2.81

Cardinality: 0..1
CH Status: R
Length: 1 .. 16
C Document ISO Name: Post Code
+CstmrCdtTrfInitn XML Name: PstCd
++PmtInf ISO Definition: Identifier consisting of a group of letters and/or
+++CdtTrfTxInf numbers that is added to a postal address to assist the
++++UltmtCdtr sorting of mail.
+++++PstlAdr CH Definition: Recommendation: Use.
++++++PstCd

ISO Index: 2.81

Cardinality: 0..1
CH Status: R
Length: 1 .. 16
C Document ISO Name: Town Name
+CstmrCdtTrfInitn XML Name: TwnNm
++PmtInf ISO Definition: Name of a built-up area, with defined boundaries,
+++CdtTrfTxInf and a local government.
++++UltmtCdtr CH Definition: Recommendation: Use.
+++++PstlAdr
++++++TwnNm

ISO Index: 2.81

Cardinality: 0..1
CH Status: R
Length: 1 .. 35
C Document ISO Name: Country Sub Division
+CstmrCdtTrfInitn XML Name: CtrySubDvsn
++PmtInf ISO Definition: Identifies a subdivision of a country such as state,
+++CdtTrfTxInf region, county.
++++UltmtCdtr CH Definition: Is currently ignored by financial institutions.
+++++PstlAdr
++++++CtrySubDvsn

ISO Index: 2.81

Cardinality: 0..1
CH Status: O

40
 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

Length: 1 .. 35
C Document ISO Name: Country
+CstmrCdtTrfInitn XML Name: Ctry
++PmtInf ISO Definition: Nation with its own government.
+++CdtTrfTxInf CH Definition: Recommendation: Use.
++++UltmtCdtr
+++++PstlAdr
++++++Ctry

ISO Index: 2.81

Cardinality: 0..1
CH Status: R
Errorcode: BE09
C Document ISO Name: Address Line
+CstmrCdtTrfInitn XML Name: AdrLine
++PmtInf ISO Definition: Information that locates and identifies a specific
+++CdtTrfTxInf address, as defined by postal services, presented in
++++UltmtCdtr free format text.
+++++PstlAdr CH Definition: Maximum two lines permitted.
++++++AdrLine

ISO Index: 2.81

Cardinality: 0..2
CH Status: O
Length: 1 .. 70
C Document ISO Name: Identification
+CstmrCdtTrfInitn XML Name: Id
++PmtInf ISO Definition: Unique and unambiguous identification of a party.
+++CdtTrfTxInf CH PayTypDef: Type 8: Must not be used.
++++UltmtCdtr
+++++Id

ISO Index: 2.81

Cardinality: 0..1
CH Status: D
Errorcode: CH17
C Document ISO Name: Organisation Identification
+CstmrCdtTrfInitn XML Name: OrgId
++PmtInf ISO Definition: Unique and unambiguous way to identify an
+++CdtTrfTxInf organisation.
++++UltmtCdtr CH Definition: Either the "BICOrBEI" element or an element from
+++++Id "Other" may be used.
++++++OrgId If used, the "Private Identification" must not be
present.
ISO Index: 2.81
Cardinality: 1..1
CH Status: D
C Document ISO Name: Private Identification
+CstmrCdtTrfInitn XML Name: PrvtId
++PmtInf ISO Definition: Unique and unambiguous identification of a person,
+++CdtTrfTxInf eg, passport.
++++UltmtCdtr CH Definition: Either the "Date And Place Of Birth" element or an
+++++Id element from "Other" may be used.
++++++PrvtId If used, "Organisation Identification" may not be
present.
ISO Index: 2.81
Cardinality: 1..1
CH Status: D
C Document ISO Name: Instruction For Creditor Agent
+CstmrCdtTrfInitn XML Name: InstrForCdtrAgt
++PmtInf ISO Definition: Further information related to the processing of the
+++CdtTrfTxInf payment instruction, provided by the initiating party,
++++InstrForCdtrAgt and intended for the creditor agent.
CH Definition: This element may only be used by agreement with the
ISO Index: 2.82 instructed financial institution.

41
 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

Cardinality: 0..unbounded This element may, depending on the financial
CH Status: BD institution, contain different forms and instructions.
Errorcode: CH16, CH17 CH PayTypDef: Type 1, 2.1, 2.2, 3, 5, 8: Must not be used.
UBS Notes: Can be used, but only for payment type 4 or payment
type 6.
UBS Example: <InstrForCdtrAgt>
<Cd>HOLD</Cd>
<InstrInf>Write an instruction</InstrInf>
</InstrForCdtrAgt>
C Document ISO Name: Code
+CstmrCdtTrfInitn XML Name: Cd
++PmtInf ISO Definition: Coded information related to the processing of the
+++CdtTrfTxInf payment instruction, provided by the initiating party,
++++InstrForCdtrAgt and intended for the creditor's agent.
+++++Cd UBS Notes: Code CHQB is not supported (Swift Cheque Payment).
C-Level with Value "CHQB" will be rejected with
ISO Index: 2.83 Status Reason Code CH17
Cardinality: 0..1 UBS Example: <InstrForCdtrAgt>
CH Status: D <Cd>HOLD</Cd>
</InstrForCdtrAgt>
C Document ISO Name: Instruction Information
+CstmrCdtTrfInitn XML Name: InstrInf
++PmtInf ISO Definition: Further information complementing the coded
+++CdtTrfTxInf instruction or instruction to the creditor's agent that is
++++InstrForCdtrAgt bilaterally agreed or specific to a user community.
+++++InstrInf

ISO Index: 2.84

Cardinality: 0..1
CH Status: D
Length: 1 .. 140
Errorcode: CH16
C Document ISO Name: Instruction For Debtor Agent
+CstmrCdtTrfInitn XML Name: InstrForDbtrAgt
++PmtInf ISO Definition: Further information related to the processing of the
+++CdtTrfTxInf payment instruction, that may need to be acted upon
++++InstrForDbtrAgt by the debtor agent, depending on agreement
between debtor and the debtor agent.
ISO Index: 2.85 CH Definition: This element may only be used by agreement with the
Cardinality: 0..1 instructed financial institution as AOS.
CH Status: BD May be used, for example, to indicate payment
Length: 1 .. 140 products specific to the financial institution.
Errorcode: CH16 This element may, depending on the financial
institution, contain different forms and instructions.
UBS Notes: Can be used, but only for payment type 4 or payment
type 6.
UBS Example: <InstrForDbtrAgt>write an instruction</InstrForDbtrAgt>
C Document ISO Name: Purpose
+CstmrCdtTrfInitn XML Name: Purp
++PmtInf ISO Definition: Underlying reason for the payment transaction.
+++CdtTrfTxInf Usage: Purpose is used by the end-customers, that is
++++Purp initiating party, (ultimate) debtor, (ultimate) creditor
to provide information concerning the nature of the
ISO Index: 2.86 payment. Purpose is a content element, which is not
Cardinality: 0..1 used for processing by any of the agents involved in
CH Status: O the payment chain.
Errorcode: CH17 CH PayTypDef: Type 1: Element is not forwarded.
UBS Example: <Purp>
<Cd>NETT</Cd>
</Purp>
C Document ISO Name: Code
+CstmrCdtTrfInitn XML Name: Cd
++PmtInf ISO Definition: Underlying reason for the payment transaction, as
+++CdtTrfTxInf published in an external purpose code list.
++++Purp CH Definition: Codes according "Payments External Code Lists" [8].

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 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

+++++Cd Must be used if "Purpose" is used.

ISO Index: 2.87

Cardinality: 1..1
CH Status: M
Length: 1 .. 4
C Document ISO Name: Regulatory Reporting
+CstmrCdtTrfInitn XML Name: RgltryRptg
++PmtInf ISO Definition: Information needed due to regulatory and statutory
+++CdtTrfTxInf requirements.
++++RgltryRptg CH Definition: Is required for payments to certain countries:
United Arab Emirates: Required for all-currency
ISO Index: 2.89 payments to resident individuals/legal entities in the
Cardinality: 0..10 United Arab Emirates.
CH Status: O CH PayTypDef: Type 6: Forwarded in interbank traffic (SWIFT MT103,
field 77B:), if the information is required for the
country concerned.
Other types: Must not be present.
UBS Notes: UBS does not consider this element resp. the content
of this element. It will be ignored. However, it must
still conform to the schema.
C Document ISO Name: Debit Credit Reporting Indicator
+CstmrCdtTrfInitn XML Name: DbtCdtRptgInd
++PmtInf ISO Definition: Identifies whether the regulatory reporting
+++CdtTrfTxInf information applies to the debit side, to the credit side
++++RgltryRptg or to both debit and credit sides of the transaction.
+++++DbtCdtRptgInd CH Definition: Defines whether the information concerns the
ordering party, the beneficiary or both. Permitted
ISO Index: codes are
Cardinality: 0..1 • CRED (corresponds to BENEFRES in SWIFT Field 77B),
CH Status: M • DEBT (corresponds to ORDERRES in SWIFT Field
77B),
• BOTH
C Document ISO Name: Authority
+CstmrCdtTrfInitn XML Name: Authrty
++PmtInf ISO Definition: Entity requiring the regulatory reporting information.
+++CdtTrfTxInf CH Definition: Information about the competent regulatory authority
++++RgltryRptg (central bank)
+++++Authrty

ISO Index:
Cardinality: 0..1
CH Status: O
C Document ISO Name: Name
+CstmrCdtTrfInitn XML Name: Nm
++PmtInf ISO Definition: Name of the entity requiring the regulatory reporting
+++CdtTrfTxInf information.
++++RgltryRptg CH Definition: Name of the competent regulatory authority (central
+++++Authrty bank)
++++++Nm

ISO Index:
Cardinality: 0..1
CH Status: O
Length: 1 .. 140
C Document ISO Name: Country
+CstmrCdtTrfInitn XML Name: Ctry
++PmtInf ISO Definition: Country of the entity that requires the regulatory
+++CdtTrfTxInf reporting information.
++++RgltryRptg CH Definition: Country of the competent regulatory authority
+++++Authrty (central bank)
++++++Ctry

ISO Index:
Cardinality: 0..1

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 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

CH Status: O
Errorcode: BE09
C Document ISO Name: Details
+CstmrCdtTrfInitn XML Name: Dtls
++PmtInf ISO Definition: Set of elements used to provide details on the
+++CdtTrfTxInf regulatory reporting information.
++++RgltryRptg CH Definition: Must be sent if "Regulatory Reporting" is used.
+++++Dtls

ISO Index:
Cardinality: 0..unbounded
CH Status: M
C Document ISO Name: Type
+CstmrCdtTrfInitn XML Name: Tp
++PmtInf ISO Definition: Specifies the type of the information supplied in the
+++CdtTrfTxInf regulatory reporting details.
++++RgltryRptg CH Definition: Must not be sent.
+++++Dtls
++++++Tp

ISO Index:
Cardinality: 0..1
CH Status: N
Length: 1 .. 35
Errorcode: CH17
C Document ISO Name: Date
+CstmrCdtTrfInitn XML Name: Dt
++PmtInf ISO Definition: Date related to the specified type of regulatory
+++CdtTrfTxInf reporting details.
++++RgltryRptg CH Definition: Must not be sent.
+++++Dtls
++++++Dt

ISO Index:
Cardinality: 0..1
CH Status: N
Errorcode: CH17
C Document ISO Name: Country
+CstmrCdtTrfInitn XML Name: Ctry
++PmtInf ISO Definition: Country related to the specified type of regulatory
+++CdtTrfTxInf reporting details.
++++RgltryRptg CH Definition: Country for which the indication of the regulatory
+++++Dtls information is intended (usually the country of the
++++++Ctry regulatory authority)

ISO Index:
Cardinality: 0..1
CH Status: M
Errorcode: BE09
C Document ISO Name: Code
+CstmrCdtTrfInitn XML Name: Cd
++PmtInf ISO Definition: Specifies the nature, purpose, and reason for the
+++CdtTrfTxInf transaction to be reported for regulatory and statutory
++++RgltryRptg requirements in a coded form.
+++++Dtls CH Definition: Reporting code as defined by the relevant regulatory
++++++Cd authority (central bank). Provides information about
the nature or purpose of the payment.
ISO Index:
Cardinality: 0..1
CH Status: M
Length: 1 .. 10
Errorcode: RR05
C Document ISO Name: Amount
+CstmrCdtTrfInitn XML Name: Amt

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 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

++PmtInf ISO Definition: Amount of money to be reported for regulatory and
+++CdtTrfTxInf statutory requirements.
++++RgltryRptg CH Definition: Must not be sent.
+++++Dtls
++++++Amt

ISO Index:
Cardinality: 0..1
CH Status: N
Errorcode: CH17
C Document ISO Name: Information
+CstmrCdtTrfInitn XML Name: Inf
++PmtInf ISO Definition: Additional details that cater for specific domestic
+++CdtTrfTxInf regulatory requirements.
++++RgltryRptg CH Definition: Must not be sent.
+++++Dtls
++++++Inf

ISO Index:
Cardinality: 0..unbounded
CH Status: N
Length: 1 .. 35
Errorcode: CH17
C Document ISO Name: Remittance Information
+CstmrCdtTrfInitn XML Name: RmtInf
++PmtInf ISO Definition: Information supplied to enable the matching of an
+++CdtTrfTxInf entry with the items that the transfer is intended to
++++RmtInf settle, such as commercial invoices in an accounts'
receivable system.
ISO Index: 2.98 CH Definition: Either structured or unstructured.
Cardinality: 0..1 UBS Example: <RmtInf>
CH Status: O <Ustrd>unstructured remittance information</Ustrd>
</RmtInf>
C Document ISO Name: Unstructured
+CstmrCdtTrfInitn XML Name: Ustrd
++PmtInf ISO Definition: Information supplied to enable the matching/
+++CdtTrfTxInf reconciliation of an entry with the items that the
++++RmtInf payment is intended to settle, such as commercial
+++++Ustrd invoices in an accounts' receivable system, in an
unstructured form.
ISO Index: 2.99 CH Definition: Only one occurrence is allowed, maximum 140
Cardinality: 0..1 characters.
CH Status: D CH PayTypDef: Type 1: Must not be used.
Length: 1 .. 140 Type 3: In association with QR-IBAN (CH/LI) this
Errorcode: CH17 element must not be used.
C Document ISO Name: Structured
+CstmrCdtTrfInitn XML Name: Strd
++PmtInf ISO Definition: Information supplied to enable the matching/
+++CdtTrfTxInf reconciliation of an entry with the items that the
++++RmtInf payment is intended to settle, such as commercial
+++++Strd invoices in an accounts' receivable system, in a
structured form.
ISO Index: 2.1 CH Definition: Only one occurrence is allowed.
Cardinality: 0..1 CH PayTypDef: Type 1: Must be used.
CH Status: D Type 2.1, 2.2: Must not be used.
Errorcode: CH17, CH15, CH21 Type 3: May be used. In association with QR-IBAN
(CH/LI) this element must be used.
Type 4, 5, 6, 8: May only contain maximum 140
characters including XML tags.
C Document ISO Name: Referred Document Information
+CstmrCdtTrfInitn XML Name: RfrdDocInf
++PmtInf ISO Definition: Set of elements used to identify the documents
+++CdtTrfTxInf referred to in the remittance information.
++++RmtInf CH Definition: Is currently ignored by financial institutions.
+++++Strd

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 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

++++++RfrdDocInf CH PayTypDef: Type 5: Must not be used.
UBS Notes: UBS does not consider this element resp. the content
ISO Index: 2.101 of this element. It will be ignored. However, it must
Cardinality: 0..unbounded still conform to the schema.
CH Status: D
Errorcode: CH17
C Document ISO Name: Type
+CstmrCdtTrfInitn XML Name: Tp
++PmtInf ISO Definition: Specifies the type of referred document.
+++CdtTrfTxInf
++++RmtInf
+++++Strd
++++++RfrdDocInf
+++++++Tp

ISO Index: 2.102

Cardinality: 0..1
CH Status: O
C Document ISO Name: Code Or Proprietary
+CstmrCdtTrfInitn XML Name: CdOrPrtry
++PmtInf ISO Definition: Provides the type details of the referred document.
+++CdtTrfTxInf
++++RmtInf
+++++Strd
++++++RfrdDocInf
+++++++Tp
++++++++CdOrPrtry

ISO Index: 2.103

Cardinality: 1..1
CH Status: M
C Document ISO Name: Code
+CstmrCdtTrfInitn XML Name: Cd
++PmtInf ISO Definition: Document type in a coded form.
+++CdtTrfTxInf
++++RmtInf
+++++Strd
++++++RfrdDocInf
+++++++Tp
++++++++CdOrPrtry
+++++++++Cd

ISO Index: 2.104

Cardinality: 1..1
CH Status: M
C Document ISO Name: Proprietary
+CstmrCdtTrfInitn XML Name: Prtry
++PmtInf ISO Definition: Proprietary identification of the type of the remittance
+++CdtTrfTxInf document.
++++RmtInf
+++++Strd
++++++RfrdDocInf
+++++++Tp
++++++++CdOrPrtry
+++++++++Prtry

ISO Index: 2.105

Cardinality: 1..1
CH Status: M
Length: 1 .. 35
C Document ISO Name: Issuer
+CstmrCdtTrfInitn XML Name: Issr
++PmtInf ISO Definition: Identification of the issuer of the reference document
+++CdtTrfTxInf type.
++++RmtInf

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 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

+++++Strd
++++++RfrdDocInf
+++++++Tp
++++++++Issr

ISO Index: 2.106

Cardinality: 0..1
CH Status: O
Length: 1 .. 35
C Document ISO Name: Number
+CstmrCdtTrfInitn XML Name: Nb
++PmtInf ISO Definition: Unique and unambiguous identification of the
+++CdtTrfTxInf referred document.
++++RmtInf
+++++Strd
++++++RfrdDocInf
+++++++Nb

ISO Index: 2.107

Cardinality: 0..1
CH Status: O
Length: 1 .. 35
C Document ISO Name: Related Date
+CstmrCdtTrfInitn XML Name: RltdDt
++PmtInf ISO Definition: Date associated with the referred document.
+++CdtTrfTxInf
++++RmtInf
+++++Strd
++++++RfrdDocInf
+++++++RltdDt

ISO Index: 2.108

Cardinality: 0..1
CH Status: O
C Document ISO Name: Referred Document Amount
+CstmrCdtTrfInitn XML Name: RfrdDocAmt
++PmtInf ISO Definition: Set of elements used to provide details on the
+++CdtTrfTxInf amounts of the referred document.
++++RmtInf CH Definition: Is currently ignored by financial institutions.
+++++Strd CH PayTypDef: Type 5: Must not be used.
++++++RfrdDocAmt UBS Notes: UBS does not consider this element resp. the content
of this element. It will be ignored. However, it must
ISO Index: 2.109 still conform to the schema.
Cardinality: 0..1
CH Status: D
Errorcode: CH17
C Document ISO Name: Creditor Reference Information
+CstmrCdtTrfInitn XML Name: CdtrRefInf
++PmtInf ISO Definition: Reference information provided by the creditor to
+++CdtTrfTxInf allow the identification of the underlying documents.
++++RmtInf CH Definition: Creditor Reference Information
+++++Strd CH PayTypDef: Type 1: Must be used.
++++++CdtrRefInf Type 3: May be used. In association with QR-IBAN
(CH/LI) this element must be used.
ISO Index: 2.12 Type 4, 5, 6: May be used.
Cardinality: 0..1 UBS Example: <RmtInf>
CH Status: D <Strd>
Errorcode: CH21, CH16 <CdtrRefInf>
<Ref>000649013213001401006000011</Ref>
</CdtrRefInf>
</Strd>
</RmtInf>
C Document ISO Name: Type
+CstmrCdtTrfInitn XML Name: Tp
++PmtInf ISO Definition: Specifies the type of creditor reference.

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 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

+++CdtTrfTxInf CH Definition: Reference Type
++++RmtInf CH PayTypDef: Type 1: Must not be used.
+++++Strd Type 3, 5: Must be used if "Creditor Reference
++++++CdtrRefInf Information" is used.
+++++++Tp Type 4, 6: May be used.

ISO Index: 2.121

Cardinality: 0..1
CH Status: D
Errorcode: CH21
C Document ISO Name: Code Or Proprietary
+CstmrCdtTrfInitn XML Name: CdOrPrtry
++PmtInf ISO Definition: Coded or proprietary format creditor reference type.
+++CdtTrfTxInf CH Definition: Must be used if "Type" is used.
++++RmtInf
+++++Strd
++++++CdtrRefInf
+++++++Tp
++++++++CdOrPrtry

ISO Index: 2.122

Cardinality: 1..1
CH Status: M
C Document ISO Name: Code
+CstmrCdtTrfInitn XML Name: Cd
++PmtInf ISO Definition: Type of creditor reference, in a coded form.
+++CdtTrfTxInf CH Definition: Reference Type (Code)
++++RmtInf The following code values are permitted:
+++++Strd • SCOR = Structured customer reference for the
++++++CdtrRefInf creditor
+++++++Tp If used, then "Proprietary" must not be present.
++++++++CdOrPrtry CH PayTypDef: Type 5: Must be used if "Creditor Reference
+++++++++Cd Information" is used. Only the code "SCOR" is
permitted.
ISO Index: 2.123 Other types: Must be used when "ISO Creditor
Cardinality: 1..1 Reference" is used according to ISO 11649. Only the
CH Status: D code "SCOR" is permitted. Must not be used in
Errorcode: CH21, CH16 combination with a QR-IBAN in the “Creditor
Account/IBAN” element.
C Document ISO Name: Proprietary
+CstmrCdtTrfInitn XML Name: Prtry
++PmtInf ISO Definition: Creditor reference type, in a proprietary form.
+++CdtTrfTxInf CH Definition: Reference Type (Proprietary)
++++RmtInf The following code values are permitted:
+++++Strd • IPI = Structured reference according to IPI
++++++CdtrRefInf • QRR = QR reference (in association with QR-bill)
+++++++Tp If used, then "Code" must not be present.
++++++++CdOrPrtry CH PayTypDef: Type 3: To give the structured QR reference from the
+++++++++Prtry QR invoice, this element must contain QRR and may
only be used in combination with a QR-IBAN in the
ISO Index: 2.124 “Creditor Account/IBAN” element.
Cardinality: 1..1 Type 3, 4, 6: Can contain IPI to give the structured
CH Status: D reference according to IPI. Note: the IPI slip is due be
Length: 1 .. 35 withdrawn from circulation by 31.03.2020 at the
Errorcode: CH17 latest.
Type 5: Must not be used.
C Document ISO Name: Issuer
+CstmrCdtTrfInitn XML Name: Issr
++PmtInf ISO Definition: Entity that assigns the credit reference type.
+++CdtTrfTxInf
++++RmtInf
+++++Strd
++++++CdtrRefInf
+++++++Tp
++++++++Issr

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 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

ISO Index: 2.125

Cardinality: 0..1
CH Status: O
Length: 1 .. 35
C Document ISO Name: Reference
+CstmrCdtTrfInitn XML Name: Ref
++PmtInf ISO Definition: Unique reference, as assigned by the creditor, to
+++CdtTrfTxInf unambiguously refer to the payment transaction.
++++RmtInf
+++++Strd Usage: If available, the initiating party should provide
++++++CdtrRefInf this reference in the structured remittance
+++++++Ref information, to enable reconciliation by the creditor
upon receipt of the amount of money.
ISO Index: 2.126
Cardinality: 0..1 If the business context requires the use of a creditor
CH Status: D reference or a payment remit identification, and only
Length: 1 .. 35 one identifier can be passed through the end-to-end
Errorcode: CH16, CH21 chain, the creditor's reference or payment remittance
identification should be quoted in the end-to-end
transaction identification.
CH PayTypDef: Type 1: Must contain an ISR reference number.
Type 5: Must be used if "Creditor Reference
Information" is used, may contain "Creditor
Reference" according to ISO 11649.
Other types: Must be used if "Creditor Reference
Information/Type" is used. Structured references, for
example ISO reference (ISO 11649, not in connection
with a QR-IBAN in the "Creditor Reference
Information/Type" element) or QR reference (must be
used in connection with a QR-IBAN in the "Creditor
Reference Information/Type" element) or IPI reference.
Note: the IPI slip is due be withdrawn from circulation
by 31.03.2020 at the latest.
C Document ISO Name: Invoicer
+CstmrCdtTrfInitn XML Name: Invcr
++PmtInf ISO Definition: Identification of the organisation issuing the invoice,
+++CdtTrfTxInf when it is different from the creditor or ultimate
++++RmtInf creditor.
+++++Strd CH Definition: Is currently ignored by financial institutions.
++++++Invcr CH PayTypDef: Type 5: Must not be used.
UBS Notes: UBS does not consider this element resp. the content
ISO Index: 2.127 of this element. It will be ignored. However, it must
Cardinality: 0..1 still conform to the schema.
CH Status: D
Errorcode: CH17
C Document ISO Name: Invoicee
+CstmrCdtTrfInitn XML Name: Invcee
++PmtInf ISO Definition: Identification of the party to whom an invoice is
+++CdtTrfTxInf issued, when it is different from the debtor or
++++RmtInf ultimate debtor.
+++++Strd CH Definition: Is currently ignored by financial institutions.
++++++Invcee CH PayTypDef: Type 5: Must not be used.
UBS Notes: UBS does not consider this element resp. the content
ISO Index: 2.128 of this element. It will be ignored. However, it must
Cardinality: 0..1 still conform to the schema.
CH Status: D
Errorcode: CH17
C Document ISO Name: Additional Remittance Information
+CstmrCdtTrfInitn XML Name: AddtlRmtInf
++PmtInf ISO Definition: Additional information, in free text form, to
+++CdtTrfTxInf complement the structured remittance information.
++++RmtInf CH PayTypDef: Type 1: The element may only be used by agreement
+++++Strd with the instructed financial institution.
++++++AddtlRmtInf Type 2.1, 2.2, 4, 5, 6, 8: Must not be used.

49
 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

Level XML Element Definition

Type 3: May only occur once.
ISO Index: 2.129 UBS Notes: In case of Payment Type 3, the content of this element
Cardinality: 0..3 will be further processed to the beneficiary bank. For
CH Status: O all other Payment Type the content will be ignored.
Length: 1 .. 140
Errorcode: CH17, CH21

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 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

4. Interbank limitation
Due to the fact that Bank or postal payment as well as bank-to-customer reporting are still based on legacy standards
like SWIFT FIN or TARGET, SWIFT MT940 or MT942, it cannot be guaranteed that all information of a pain.001
payment order can be transmitted to the recipient. This affects the following data elements in particular:

Element XML Tag Restriction

Category Purpose <CtgyPurp> In interbank legacy standards solely the category
purpose INTC/CORT are processed. However in bank
to customer reporting the codes SALA / PENS result
in a debit booking without details, regardless of the
reporting format (MT/camt).
End-To-End Identification <EndToEndId> We recommend the clients to indicate this ID under
the unstructured remittance information using the
code word ROC. In this case, end-to-end field may
contain “not provided.”
Ultimate Debtor <UltmtDbtr> Only within an eligible ISO payment, content will be
further processed. No transmission in legacy
interbank standards possible.
Creditor Name and Postal <Cdtr> Name and structured addresses will be mapped into
Address <Nm></Nm> max. 4 × 35 unstructured address lines added with
<PstlAdr> country code in case of legacy interbank standards.
<TwnNm></TwnNm>
<Ctry></Ctry>
</PstlAdr>
</ Cdtr>
Ultimate Creditor <UltmtCdtr> Only within an eligible ISO payment, content will be
further processed. No transmission in legacy
interbank standards possible.
Purpose Code <Purp> Only within an eligible ISO payment, content will be
further processed. No transmission in legacy
interbank standards possible.
Remittance Information <RmtInf> A structured remittance information will be mapped
into 4 x 35 digits unstructured remittance
information.

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 UBS Implementation Guidelines – Swiss Payment Standards for credit transfers

UBS Switzerland AG
P.O. Box
8098 Zurich
Switzerland

Phone +41 848 807 848

E-Mail sh-keyport@ubs.com

This publication is intended for information only and is not intended as a recommendation, an offer or a solicitation of an offer. Before making a
decision, you should obtain relevant professional advice. Please note that UBS reserves the right to alter its services, products or prices at any time
without prior notice. Certain products and services are subject to legal restrictions and cannot be offered worldwide on an unrestricted basis.
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© UBS 2019. The key symbol and UBS are among the registered and unregistered trademarks of UBS. All rights reserved.

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