Handbook for payments via SWIFT Arrival of a paid direct debit

C.5 Arrival of a paid direct debit

Payment of a direct debit instruction is made on the required processing date (in ex-
ceptional cases up to max. two banking days later) by the debtor's bank. For each
direct debit that is presented, the creditor's bank receives an MT103/A10 or
MT103/A15.
The following cases are explained in this section and demonstrated with examples:
• Arrival of a paid direct debit with ESR reference number (see C.5.1)
• Arrival of a paid direct debit with IPI reference number(see C.5.2)

C.5.1 Arrival of a paid direct debit with ESR reference number

This example of the use of SWIFT MT103/A15 shows the arrival of customer pay-
ments on the basis of a direct debit with ESR reference number.
Instructions based on a direct debit with ESR reference number can be distinguished
from those based on an ESR deposit slip (see B.6.2) by the codeword /ESR/ and the
fact that field 72 is filled in.
Unlike payments with IPI reference numbers (see C.4.2) no customer data (e.g. name/
IBAN of the debtor/beneficiary) is shown.
The "Account" of the creditor is the ESR participant number of the creditor's financial
institution. See also B.6.1 and C.4.1.

Comments on individual fields:

Field Line Comment/content
50K Fix text "A15 Ordering Customer".
59a Fix text "VESR PARTICIPANT" and the VESR participant number of the
creditor's bank.
70 Code word /ESR/ and ESR reference number (27 positions).
72 1 Code /AUTH/
2 Fix text /SICLSVGV/ and the value from field 30 of the MT104/D10 that was
3 presented
Fix text /SICLSVID/ and the value from field 21 of the MT104/D10 that was
presented

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Arrival of a paid direct debit Handbook for payments via SWIFT

C.5.1.1 Example: Arrival of a paid direct debit with ESR reference number

On the basis of the direct debit that was presented in the example in C.2.1.1 the
Remote Bank Frankfurt receives a direct debit as an MT103/A15 on value date
22.11.2005.

Field Designation Content

Sender TKZHCHZZ
Receiver REMODEFF
20 Sender’s Reference 0555552
23B Bank Operation Code CRED
32A Value Date/Currency/Interbank Settled Amount 051122CHF850,
33B Currency/Instructed Amount CHF850,
50K Ordering Customer A15 ORDERING CUSTOMER
52A Ordering Institution BACOCHFR
59 Beneficiary Customer VESR PARTICIPANT 012019993
70 Details of Payment /ESR/2100000000031394714300
09017
71A Details of Charges SHA
72 Sender to Receiver Information /AUTH/
/SICLSVGV/20051122
/SICLSVID/UHR01

C.5.2 Arrival of a paid direct debit with IPI reference number

This example of the use of the SWIFT MT103/A10 shows the arrival of customer
payments based on a direct debit with an IPI reference number.
Unlike payments with ESR reference numbers (see C.4.1) the customer data (e.g.
name/IBAN of the debtor/beneficiary) are shown. See also C.4.2 and B.3.4.

Comments on individual fields:

Field Line Comment/content
50K Name of the debtor
59a Name of the creditor
70 IPI reference number
72 1 Code /AUTH/
2 Fix text /SICLSVGV/ and the value from field 30 of the MT104/D10 that was
3 presented
Fix text /SICLSVID/ and the value from field 21 of the MT104/D10 that was
presented

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Handbook for payments via SWIFT Arrival of a paid direct debit

C.5.2.1 Example: Arrival of a paid direct debit with IPI reference number

Based on the direct debit presented in the example in C.2.2.1, the Remote Bank Frank-
furt receives the required payment as an MT103/A10 on value date 22 November 2005.

Field Designation Content

Sender TKZHCHZZ
Receiver REMODEFF
20 Sender’s Reference k102cmt
23B Bank Operation Code CRED
32A Value Date/Currency/Interbank Settled Amount 051122EUR500,
33B Currency/Instructed Amount EUR500,
50K Ordering Customer /CH1708841000987654321
Horlogerie du Joux
Les Brenets
57A Account With Institution REMODEFF
59 Beneficiary Customer /CH4089999001234567890
Uhrengrosshandel Buxtehude
Buxtehude
70 Details of Payment 55000005678123489011
71A Details of Charges SHA
72 Sender to Receiver Information /AUTH/
/SICLSVGV/20051122
/SICLSVID/UHR01

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SWIFT MT190: return debit note from LSV+ Handbook for payments via SWIFT

C.6 SWIFT MT190: Return debit note from LSV+

In this message the creditor's bank is asked to credit the debtor's bank with a return
debit note. The message is to be sent directly to the creditor's bank. SIX Interbank
Clearing rejects this message. Details on returns are available in the Technical Rules
and Regulations, Appendix IV-6.

Comments on individual fields:

Field Comment/content
Receiver BIC of the creditor's bank (not TKZHCHZZ)
20 Debtor bank's own reference number
21 Original Transaction Reference Number from the payment instruction MT103/Axx
under which the direct debit was paid in SIC/euroSIC.
25 Creditor's IBAN
32D Settlement date on which the direct debit was paid, with currency and amount.
52D Name and address of the creditor

Field Line Comment/content

71B 1 LSV-ID of the creditor
2 Account number of the debtor.
3-6 Name and address of the debtor
72 1 Fix text "RLS aus LSV+"
2 LSV reference number of the objected direct debit:
• With ESR = 27 digit LSV reference number in ESR format
• With IPI = 20 digit LSV reference number for structured IPI payment
details
3 3 Beneficiary reference (this is given in SWIFT field 21 of the covering funds
application MT202/B11 from the creditor's bank)
4-6 Not used

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