Handbook for payments via SWIFT SWIFT MT103/A10: Customer payment

B.3.3.2 Example: STP payment with red deposit slip with IBAN

The Banque Commerciale receives from M. Beispieler a red deposit slip (ES) to pay
an invoice for CHF 8479.25 payable to Muster AG into their account at the Seldwyla
Bank. Since the IBAN is quoted, the transaction counts as an STP payment.

Field Designation Content

Sender BACOCHFR
Receiver TKZHCHZZ
20 Sender’s Reference k89esi
23B Bank Operation Code CRED
32A Value Date/Currency/Interbank Settled Amount 051122CHF8479,25
33B Currency/Instructed Amount CHF8479,25
50K Ordering Customer M. Beispieler
Bahnhofstrasse 356
7000 Chur
57C Account With Institution //SW08888
59 Beneficiary Customer /CH3808888123456789012
Muster AG
Bahnhofstrasse 5
8001 Zuerich
70 Remittance Information Rechnung. Nr. 7496
71A Details of Charges SHA

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SWIFT MT103/A10: Customer payment Handbook for payments via SWIFT

B.3.3.3 Example: STP payment with red deposit slip in favor of PostFinance

The Banque Commerciale receives from Boris Lehmann a red deposit slip (ES) to pay
an invoice for CHF 8479.25 payable to Robert Schneider SA into their account at
PostFinance. Since the transaction is not forwarded directly to a bank, the transaction
meets the requirements of the Swiss STP definition.

Field Designation Content

Sender BACOCHFR
Receiver TKZHCHZZ
20 Sender’s Reference k89esp
23B Bank Operation Code CRED
32A Value Date/Currency/Interbank Settled Amount 051122CHF8479,25
33B Currency/Instructed Amount CHF8479,25
50K Ordering Customer Lehmann Boris
Marktplatz 4
9400 Rorschach
57A Account With Institution POFICHBE
59 Beneficiary Customer /250090342
Robert Schneider SA
Grands magasins
2501 Biel
70 Remittance Information Invoice no. 408
71A Details of Charges SHA

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Handbook for payments via SWIFT SWIFT MT103/A10: Customer payment

B.3.4 STP customer payment with IPI

This example of the use of SWIFT MT103/A10 shows the handling of customer pay-
ments using IPI. Details on IPI can be found in the Technical Rules and Regulations,
Appendix I-2.

Comments on individual fields:

Field Comment/content
57a May be a bank or PostFinance.
59a Only IBAN
70 /IPI/ and the reference number

B.3.4.1 Example: STP customer payment with IPI

The Banque Commerciale receives from Peter Haller an IPI to pay an invoice for EUR
3421,00 payable to Muster AG into their account at the Zürcher Kantonalbank. Since
the IBAN for Muster AG is used, the transaction counts as STP.

Field Designation Content

Sender BACOCHFR
Receiver TKZHCHZZ
20 Sender’s Reference k89ipi
23B Bank Operation Code CRED
32A Value Date/Currency/Interbank Settled Amount 051118EUR3421,
33B Currency/Instructed Amount EUR3421,00
50K Ordering Customer Peter Haller,
D-80036 Muenchen
57C Account With Institution //SW00762
59 Beneficiary Customer /CH9300762011623852957
Muster AG,
Seldwyla
70 Remittance Information /IPI/52000005678123480912
71A Details of Charges SHA

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B.3.5 Cash outpayment order (non-STP)

This use of SWIFT MT103/A10 applies to the processing of a cash outpayment order
(only possible in SIC).

Comments on individual fields:

Field Comment/content
33B Contains the sum to be paid to the beneficiary
57A Always the BIC of PostFinance (POFICHBEXXX)
59 Contains the name and address of the beneficiary of the cash outpayment order. All
lines must be filled in. The 4th line must contain a numerical value (postcode) in the
first four positions, followed by the name of the location in the remaining 26 posi-
tions. Only 30 characters may be used per line.
71A OUR
71G Contains the charges calculated by the sender for cash outpayment orders according
to the PostFinance price list.
72 Must contain the code /SICAVIS/3 or /SICAVIS/4. In the case of notification code
/SICAVIS/3, the relevant PostFinance supplement must be entered in field 71G. In the
case of notification codes 3 and 4, SIC checks whether the charges in 71G have
been calculated correctly.

B.3.5.1 Example: Cash outpayment order

The Horlogerie de Joux wants to transfer CHF 750 to their colleague Pierre Mueller.
Pierre Mueller is currently in a non-local hospital following an accident and therefore
asks for the money to be paid to him personally in cash (i.e. following authentication)
by cash outpayment order.

Field Designation Line Content

Sender BACOCHFR
Receiver TKZHCHZZ
20 Sender’s Reference k89zaw
23B Bank Operation Code CRED
32A Value Date/Currency/Interbank 051118CHF779,00
Settled Amount
33B Currency/Instructed Amount CHF750,00
50K Ordering Customer Horlogerie de Joux
Les Brenets
57A Account With Institution POFICHBE
59 Beneficiary Customer 1 Pierre Mueller
2 Marienkrankenhaus Rorschach
3 Zimmer B504
4 9400 Rorschach
70 Remittance Information Personal cash outpayment order
71A Details of Charges OUR
71G Receiver’s Charges CHF29,00
72 Sender to Receiver Information /SICAVIS/3

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