Handbook for payments via SWIFT Table of contents

A.4.5 SWIFT test system ..................................................................................................................... 21

A.4.6 SWIFT Relation Management Authorisation (RMA) .................................................................. 21
A.4.7 Tests before production starts ................................................................................................... 21
A.4.8 Start of production ...................................................................................................................... 22
A.5 Going into operation for migration to remoteGATE ............................................................. 23
A.5.1 Requirements ............................................................................................................................. 23
A.5.1.1 SIC/euroSIC documentation ...................................................................................................... 23
A.5.2 SIC/euroSIC master data ........................................................................................................... 23
A.5.3 Timing ........................................................................................................................................ 23
A.5.4 Responsibility for services ......................................................................................................... 24
A.5.5 SWIFT Closed User Group ........................................................................................................ 24
A.5.6 SWIFT test system ..................................................................................................................... 24
A.5.7 SWIFT Relation Management Authorisation (RMA) .................................................................. 24
A.5.8 Tests before production starts ................................................................................................... 24
A.5.9 Start of production ...................................................................................................................... 25
A.6 Going into operation for obtaining SWIFT MT950 ................................................................ 26
A.6.1 Requirements SIC/euroSIC ....................................................................................................... 26
A.6.1.1 SIC/euroSIC documentation ...................................................................................................... 26
A.6.2 SIC/euroSIC master data ........................................................................................................... 26
A.6.3 Timing ........................................................................................................................................ 26
A.6.4 SWIFT Closed User Group ........................................................................................................ 27
A.6.5 SWIFT test system ..................................................................................................................... 27
A.6.6 SWIFT Relation Management Authorisation (RMA) .................................................................. 27
A.6.7 Tests before production starts ................................................................................................... 27
A.6.8 Start of production ...................................................................................................................... 27

Section B Messages ............................................................................................................................ 28

B.1 Special features of payments ................................................................................................. 29
B.1.1 Acknowledgement ...................................................................................................................... 29
B.1.2 Identifying the beneficiary bank ................................................................................................. 29
B.1.3 Priority ........................................................................................................................................ 29
B.1.4 Transaction Reference Number (SWIFT field 20) ..................................................................... 29
B.1.5 Bank-to-Bank Information (SWIFT field 72) ............................................................................... 29
B.1.6 Value date fields ........................................................................................................................ 30
B.1.7 MT202COV/B12 (cover payments) ............................................................................................ 30
B.2 STP ............................................................................................................................................ 31
B.3 SWIFT MT103/A10: Customer payment ................................................................................. 32
B.3.1 STP customer payment ............................................................................................................. 33
B.3.1.1 Example: STP customer payment ............................................................................................. 33
B.3.2 Non-STP payment with red deposit slip ..................................................................................... 33
B.3.2.1 Example: Non-STP payment with a red deposit slip in favour of the bank ................................ 34
B.3.3 STP payment with red deposit slip ............................................................................................ 35
B.3.3.1 Example: STP payment with a red deposit slip in favor of the bank ......................................... 36
B.3.3.2 Example: STP payment with red deposit slip with IBAN ........................................................... 37
B.3.3.3 Example: STP payment with red deposit slip in favor of PostFinance ...................................... 38
B.3.4 STP customer payment with IPI ................................................................................................ 39
B.3.4.1 Example: STP customer payment with IPI ................................................................................ 39
B.3.5 Cash outpayment order (non-STP) ............................................................................................ 40
B.3.5.1 Example: Cash outpayment order ............................................................................................. 40

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Table of contents Handbook for payments via SWIFT

B.4 SWIFT MT103/A11: Extended customer payment ................................................................ 41

B.4.1 Payment using a multiple beneficiaries structure ...................................................................... 42
B.4.1.1 Example: Payment using a multiple beneficiaries structure ..................................................... 42
B.4.2 Non-STP payment with euroES of PostFinance ....................................................................... 43
B.4.2.1 Non-STP payment with euroESR in favor of PostFinance ........................................................ 44
B.4.3 SEPA credit transfers ................................................................................................................ 45
B.4.4 Non-SEPA credit transfers ........................................................................................................ 45
B.5 Returning a payment ............................................................................................................... 46
B.5.1 Returns within SIC and euroSIC ............................................................................................... 47
B.5.1.1 MT103 A10/A11 return with payment reference < 31 characters ............................................. 47
B.5.1.2 MT103 A10/A11 return with payment reference > 30 characters ............................................. 47
B.5.1.3 Example: Return of a payment A10/A11 ................................................................................... 48
B.5.1.4 MT103 A10/A15 return with payment reference < 31 characters ............................................. 48
B.5.1.5 MT103 A10/A15 return with payment reference > 30 characters ............................................. 49
B.5.1.6 Example: Return of a payment MT103/A15 .............................................................................. 49
B.5.1.7 Example: Return of a non-SEPA payment via SECB ............................................................... 50
B.5.2 SEPA returns ............................................................................................................................. 50
B.6 SWIFT MT103/A15: VESR payment ....................................................................................... 51
B.6.1 Customer payment with orange deposit slip ............................................................................. 52
B.6.1.1 Example: STP ESR customer payment in favor of a bank ....................................................... 53
B.6.1.2 Example: STP ESR customer payment in favor of PostFinance .............................................. 54
B.6.2 ESR payment received from customer using MT103/A15 ........................................................ 55
B.6.2.1 Example: ESR payment received from customer using MT103/A15 ........................................ 55
B.7 SWIFT MT202/B10: Balancing payment ................................................................................ 56
B.7.1 Example: Balancing payment after clearing stop 1 ................................................................... 57
B.8 SWIFT MT202/B11: Bank-to-bank payment .......................................................................... 58
B.8.1 Example: Bank-to-bank payment .............................................................................................. 58
B.9 SWIFT MT202COV/B12: bank-to-bank payments ................................................................. 59
B.9.1 Example: cover payment ........................................................................................................... 60
B.9.2 Cross-border bank-to-bank payment ........................................................................................ 60
B.10 SWIFT MTn92/H70: Cancelation of a payment ..................................................................... 61
B.10.1 Banks with a SIC/euroSIC platform interface ............................................................................ 61
B.10.2 Example: Cancelation of a customer payment ......................................................................... 62
B.11 SWIFT MTn96/S32: NOK message ......................................................................................... 63
B.11.1 Example: NOK message wrong Sender’s Reference ............................................................... 64
B.11.2 Example: NOK message wrong value date .............................................................................. 64
B.11.3 Example: NOK message wrong BC number ............................................................................. 64
B.12 SWIFT MTn96/L55: Cancelation log for the sender .............................................................. 65
B.12.1 Example: Cancelation log .......................................................................................................... 66
B.13 SWIFT MT299/N20: Clearing closing time message ............................................................ 67
B.13.1 Banks with a SIC/euroSIC platform Interface ........................................................................... 67
B.13.2 Example: Clearing closing time message ................................................................................. 67
B.14 SWIFT MT299/N21: Start of DEP message ........................................................................... 68
B.14.1 Banks with a SIC/euroSIC platform Interface ........................................................................... 68
B.14.2 Example: Start of DEP message ............................................................................................... 68
B.15 SWIFT MT950: Recapitulation SIC/euroSIC .......................................................................... 69
B.15.1 Banks with a SIC/euroSIC platform Interface ........................................................................... 70
B.15.2 Example: Recapitulation SIC/euroSIC ...................................................................................... 70

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Handbook for payments via SWIFT Table of contents

Section C Direct debit procedure ...................................................................................................... 72

C.1 Start of LSV+/BDD operation ................................................................................................... 73
C.1.1 General ...................................................................................................................................... 73
C.1.2 Requirements LSV+/BDD ........................................................................................................... 73
C.1.3 Debtor's bank ............................................................................................................................. 73
C.1.4 SWIFT MT104 Message User Group (MUG) ............................................................................ 73
C.1.5 Tests before production starts ................................................................................................... 74
C.1.6 Creditor's bank ........................................................................................................................... 74
C.1.7 Limits .......................................................................................................................................... 74
C.1.8 Debit authorization and LSV ID ................................................................................................. 74
C.1.9 Reference numbers ................................................................................................................... 75
C.1.10 Cancelation of direct debits ....................................................................................................... 75
C.1.11 Returns ....................................................................................................................................... 75
C.2 SWIFT MT104/D10: Presentation of a direct debit ................................................................ 76
C.2.1 Variant 1: Direct debit with ESR reference number ................................................................... 76
C.2.1.1 Example: Presentation of a direct debit with ESR reference number ....................................... 77
C.2.2 Variant 2: Direct debit with IPI reference number ...................................................................... 78
C.2.2.1 Example: Presentation of a direct debit with IPI reference number .......................................... 79
C.3 Arrival of a direct debit ............................................................................................................ 80
C.3.1 Example: Arrival of a direct debit with ESR reference number ................................................. 80
C.3.2 Example: Arrival of a direct debit with IPI reference number ..................................................... 81
C.4 Payment of a direct debit ........................................................................................................ 82
C.4.1 SWIFT MT103/A15: Payment of a direct debit with ESR reference number ............................. 82
C.4.1.1 Example: Payment of a direct debit with ESR reference number ............................................. 83
C.4.2 Payment of a direct debit with IPI reference number ................................................................. 83
C.4.2.1 Example: Payment of a direct debit in EUR with IPI reference number .................................... 84
C.5 Arrival of a paid direct debit ................................................................................................... 85
C.5.1 Arrival of a paid direct debit with ESR reference number .......................................................... 85
C.5.1.1 Example: Arrival of a paid direct debit with ESR reference number .......................................... 86
C.5.2 Arrival of a paid direct debit with IPI reference number ............................................................. 86
C.5.2.1 Example: Arrival of a paid direct debit with IPI reference number ............................................. 87
C.6 SWIFT MT190: Return debit note from LSV+ ......................................................................... 88
C.6.1 Example: Return debit note due to revocation .......................................................................... 89
C.6.2 MT202/B10: Payment of a return debit note .............................................................................. 89
C.6.2.1 Example: Payment of a return debit note .................................................................................. 89
C.7 SWIFT MT996/L89: Recapitulation for the debtor's bank .................................................... 90
C.7.1 Example: Recapitulation for the debtor's bank ............................................................................ 91
C.8 SWIFT MT996/L88: Recapitulation for the creditor's bank .................................................. 92
C.8.1 Variant 1: Delivery by the creditor's bank .................................................................................. 93
C.8.2 Example: Recapitulation for the creditor's bank ........................................................................ 94
C.8.3 Variant 2: Delivery by the creditor .............................................................................................. 96
C.8.4 Example: Delivery by customers via payCOMweb ...................................................................... 97
C.9 SWIFT MT196/L58: Cancelation log for the creditor's bank ................................................ 99
C.9.1 Variant 1: Automatic cancelation of MT104/D10 ..................................................................... 100
C.9.1.1 Example: Automatic cancelation of a MT104/D10 ................................................................... 101
C.9.2 Variant 2: Automatic cancelation of payment groups .............................................................. 102
C.9.2.1 Example: Automatic cancelation of a payment group ............................................................. 103

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Table of contents Handbook for payments via SWIFT

Section D SIC – SWIFT cross-reference list .................................................................................. 104

Section E remoteGATE code lists .................................................................................................. 108

E.1 SWIFT field 72 ........................................................................................................................ 108
E.2 User Header in FIN ................................................................................................................ 109

Section F Backup procedure .......................................................................................................... 110

F.1 Breakdowns at individual banks ......................................................................................... 110
F.1.1 Backup payments by the SNB ................................................................................................ 110
F.1.2 Backup payments by the SECB .............................................................................................. 111
F.2 Breakdowns at SIX Interbank Clearing ............................................................................... 111
F.2.1 The miniSIC system ................................................................................................................ 112
F.2.2 Backup for delivery .................................................................................................................. 112

Section G Acceptance testing (test cases for participants) ......................................................... 114

G.1 Arrivals: SIC/euroSIC  Customer ...................................................................................... 114
G.2 Web application remoteGATE .............................................................................................. 115
G.3 Outputs: Customer  TKZHCHZZ ....................................................................................... 116
G.4 Direct debit procedure .......................................................................................................... 118

Section H CUG/MUG Registration ................................................................................................... 120

H.1 Registration in CUG .............................................................................................................. 120
H.2 Registration for MT104 MUG (only for LSV+/BDD participants) ....................................... 120

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