D94A | EDIFACTORY

Message D94A/DIRDEB

Direct debit message

Prior to the Direct Debit procedure, some agreement(s) would usually have been concluded : - agreement between the Creditor and his Bank (mainly to specify the conditions of credit and the kind of direct debit). - agreement between the Debtor and the Debtor's Bank (i.e. pre-authorization and condition of debit), or between the Creditor and the Debtor. A Direct Debit is sent by the Creditor to the Creditor's Bank instructing it to claim specified amounts from the Debtor(s) and to credit these amounts to a single account it services for the Creditor in settlement of the referenced transaction(s). Throughout this document the term 'Creditor' refers to either a Beneficiary or a Payee, likewise the term 'Debtor' refers to either an Ordering Customer or a Payor. The term 'Bank' may be interpreted as any financial institution. The term 'pre-authorization' refers to an agreement between a Creditor and a Debtor for - either automatic debiting, as required, - or for debiting unless rejected by the debtor in a period of time. - the agreement can also be made between the debtor and his bank, independently of the amount of the DIRDEB.

Message description

UNH

M(1) : Message header

A service segment starting and uniquely identifying a message. The message type code for the Direct debit message is DIRDEB. Note: Direct debit messages conforming to this document must contain the following data in segment UNH, composite S009: Data element 0065 DIRDEB 0052 D 0054 94A 0051 UN

BGM

M(1) : Beginning of message

A segment uniquely identifying the Direct Debit, the type of Direct Debit (e.g., kind of pre-authorised instructions or not pre- authorised) and its function. The requirement for a response, e.g., related credit advices, may be indicated. Note: The identification of the DIRDEB will be passed back to he Debtor for reconciliation purposes; it would also be used in the case of confirmation. The cancellation will be made by another message type (FINCAN).

DTM

M(4) : Date/time/period

A segment specifying the date and, when required, the time at which the message has been created as well as other dates and times relevant to the financial transaction.

RFF

C(3) : Reference

A segment identifying the reference of another message or transaction related to this message. A code can also identify an agreement between debtor and creditor.

BUS

C(1) : Business function

A segment identifying certain characteristics of the DIRDEB such as its business function. In so doing, it provides information about the message that may be used to route the message within an institution, for tariffing, or for the provision of some statistical information.

FTX

C(5) : Free text

A segment giving information in coded or clear form to provide supplementary information relating to the DIRDEB order from the creditor to the debtor-party.

PAI

C(1) : Payment instructions

A segment specifying the conditions, method and channel of payment for the DIRDEB Order.

FCA

C(1) : Financial charges allocation

A segment specifying the method for allocation of charges and allowances (e.g., charges borne by the Debtor, the Creditor or both), and identifying the Creditor's account to which such charges or allowances should be directed where it is different from the principal account.

SG1 M(1) : MOA-CUX-DTM-RFF

A group of segments identifying the monetary amount and, if necessary, the currencies, exchange rate and date.

MOA

M(1) : Monetary amount

A segment giving the amount, value and currency of the direct debit, which should be debited to the debtor.

CUX

C(1) : Currencies

A segment identifying the reference currency and the target currency of the transaction when they are different. The rate of exchange is solely used when previously agreed between the creditor and his bank.

DTM

C(2) : Date/time/period

A segment identifying the effective date and/or time the rate of exchange was fixed.

RFF

C(1) : Reference

A segment identifying the reference to a separate foreign exchange deal.

SG2 C(4) : FII-CTA-COM

A group of segments providing information about the financial institutions and accounts related to the DIRDEB, together with details of any parties to be contacted in relation to the transaction.

FII

M(1) : Financial institution information

A segment identifying the financial institution (e.g., bank) and relevant account numbers and currency of these for each party involved in the transaction. The creditor has to indicate the previously agreed choice of debtor's financial institution.

CTA

C(1) : Contact information

A segment identifying a person or a department for the financial institution specified in the FII segment and to whom communication should be directed.

COM

C(5) : Communication contact

A segment providing a communication number for the party identified in the FII segment and optionally for the contact identified in the associated CTA segment.

SG3 C(6) : NAD-CTA-COM

A group of segments identifying the name and address of the debtor and creditor involved in the transaction and their contacts.

NAD

M(1) : Name and address

A segment identifying the name and address of the non- financial institutions associated with the direct debit and their functions.

CTA

C(1) : Contact information

A segment identifying a person or a department for the party specified in the NAD segment and to whom communication should be directed.

COM

C(5) : Communication contact

A segment providing a communication number for the party identified in the NAD segment and optionally for the contact identified in the associated CTA segment.

SG4 C(4) : INP-FTX-DTM

A group of segments containing instructions from the Creditor relating to parties identified in the NAD and FII segments, both on the Debtor side and on the Creditor side. It specifies action to be taken by the identified parties, and the date (and optionally time) by which such action needs to be taken.

INP

M(1) : Parties to instruction

A segment identifying the party originating the instruction and the parties to be contacted at or by the associated financial institution on matters concerning the execution of the DIRDEB. It specifies where appropriate the instruction in coded form.

FTX

C(1) : Free text

A segment providing free text instruction relating to the associated INP segment.

DTM

C(2) : Date/time/period

A segment specifying the earliest and the latest dates by which the instruction specified in the INP segment needs to be carried out.

SG5 C(9999) : DOC-MOA-DTM-RFF-NAD-SG6-SG7-SG8

A group of segments providing details of all documents e.g., invoices, statements, despatch advices, etc..., to which the Direct Debit refers. It includes information on the monetary amounts for each document and on any adjustments (with an indication of the reason for adjustments) and discounts. For information purposes an indication of the tax element can be provided.

DOC

M(1) : Document/message details

A segment identifying the reference document against which payments being made.

MOA

M(5) : Monetary amount

A segment giving the monetary amounts of each reference document (e.g., original amount, discount amount etc...). The amount due and the amount remitted are mandatory.

DTM

C(5) : Date/time/period

A segment specifying the date of the referenced document and indicating any other relevant dates applicable.

RFF

C(5) : Reference

A segment for the inclusion of any additional references related to the reference document.

NAD

C(2) : Name and address

A segment identifying a party name and address, either by coded identification or in a clear form.

SG6 C(5) : CUX-DTM

A group of segments specifying the currencies and the related dates/periods valid to the referenced document where different to the reference currency.

CUX

M(1) : Currencies

A segment identifying the currency and associated exchange rate of the referenced document where different to the remittance currency.

DTM

C(1) : Date/time/period

A segment specifying the date/time/period related to the rate of exchange.

SG7 C(100) : AJT-MOA-RFF

A group of segments indicating adjustment amounts and their referenced documents.

AJT

M(1) : Adjustment details

A segment indicating any adjustments to the amounts originally specified in the referenced document, and to which items such adjustments apply, with the associated reason for adjustment.

MOA

C(1) : Monetary amount

A segment giving the monetary amounts of the adjustments of each reference document (e.g. original amounts, discount amount, etc.). The currency data elements should not be used.

RFF

C(1) : Reference

A segment for the inclusion of any additional references related to the reference document.

SG8 C(9999) : DLI-MOA-PIA-DTM-SG9-SG10

A group of segments which may be used when required to provide details of individual line items in the reference document.

DLI

M(1) : Document line identification

A segment identifying a specific line item within the referenced document.

MOA

C(5) : Monetary amount

A segment giving the monetary amounts for this line item.

PIA

C(5) : Additional product id

A segment specifying item identification codes where required.

DTM

C(5) : Date/time/period

A segment specifying the date/time/period related to the line item.

SG9 C(5) : CUX-DTM

A group of segments identifying the currency and the related dates/periods of the line item where different to the remittance and document currency.

CUX

M(1) : Currencies

A segment identifying the currency and associated exchange rate of the line item, where different to the reference and target currency.

DTM

C(1) : Date/time/period

A segment specifying the effective date and/or time the rate of exchange was fixed.

SG10 C(10) : AJT-MOA-RFF

A group of segments indicating adjustment amounts and their referenced documents for this line item.

AJT

M(1) : Adjustment details

A segment indicating any adjustments to the amounts originally specified for this line item and the reason for the adjustments.

MOA

C(1) : Monetary amount

A segment giving the monetary amount of the adjustment for this line item.

RFF

C(1) : Reference

A segment for the inclusion of any additional references related to the reference document.

UNS

M(1) : Section control

A service segment placed at the beginning of the summary section to avoid collision.

MOA

M(5) : Monetary amount

A segment giving a summary of various amounts, for information to the debtor.

SG11 C(2) : GIS-NAD-FTX

A group of segments providing information for subsequent use by regulatory authorities requiring statistical and other types of data. It also identifies the regulatory authority for which the information is intended followed by the information itself.

GIS

M(1) : General indicator

A segment identifying what processing should be completed by regulatory authorities.

NAD

M(1) : Name and address

A segment identifying the recipient or the debtor, if different of the FII/NAD of the associated informative text.

FTX

M(6) : Free text

A segment giving information in coded or clear form to provide information relevant to regulatory authorities requirements.

SG12 C(1) : AUT-DTM

A group of segments specifying the details of authentication.

Message structure

UNH, Message header                           M        1
BGM, Beginning of message                     M        1
DTM, Date/time/period                         M        4
RFF, Reference                                C        3
BUS, Business function                        C        1
FTX, Free text                                C        5
PAI, Payment instructions                     C        1
FCA, Financial charges allocation             C        1

--- Segment Group 1 ------------------------- M        1 -------+
MOA, Monetary amount                          M        1        |
CUX, Currencies                               C        1        |
DTM, Date/time/period                         C        2        |
RFF, Reference                                C        1        |
---- -----------------------------------------------------------+

--- Segment Group 2 ------------------------- C        4 -------+
FII, Financial institution information        M        1        |
CTA, Contact information                      C        1        |
COM, Communication contact                    C        5        |
---- -----------------------------------------------------------+

--- Segment Group 3 ------------------------- C        6 -------+
NAD, Name and address                         M        1        |
CTA, Contact information                      C        1        |
COM, Communication contact                    C        5        |
---- -----------------------------------------------------------+

--- Segment Group 4 ------------------------- C        4 -------+
INP, Parties to instruction                   M        1        |
FTX, Free text                                C        1        |
DTM, Date/time/period                         C        2        |
---- -----------------------------------------------------------+

--- Segment Group 5 ------------------------- C     9999 -------+
DOC, Document/message details                 M        1        |
MOA, Monetary amount                          M        5        |
DTM, Date/time/period                         C        5        |
RFF, Reference                                C        5        |
NAD, Name and address                         C        2        |
                                                                |
--- Segment Group 6 ------------------------- C        5 ------+|
CUX, Currencies                               M        1       ||
DTM, Date/time/period                         C        1       ||
---- ----------------------------------------------------------+|
                                                                |
--- Segment Group 7 ------------------------- C      100 ------+|
AJT, Adjustment details                       M        1       ||
MOA, Monetary amount                          C        1       ||
RFF, Reference                                C        1       ||
---- ----------------------------------------------------------+|
                                                                |
--- Segment Group 8 ------------------------- C     9999 ------+|
DLI, Document line identification             M        1       ||
MOA, Monetary amount                          C        5       ||
PIA, Additional product id                    C        5       ||
DTM, Date/time/period                         C        5       ||
                                                               ||
--- Segment Group 9 ------------------------- C        5 -----+||
CUX, Currencies                               M        1      |||
DTM, Date/time/period                         C        1      |||
---- ---------------------------------------------------------+||
                                                               ||
--- Segment Group 10 ------------------------ C       10 -----+||
AJT, Adjustment details                       M        1      |||
MOA, Monetary amount                          C        1      |||
RFF, Reference                                C        1      |||
---- ---------------------------------------------------------+++
UNS, Section control                          M        1
MOA, Monetary amount                          M        5

--- Segment Group 11 ------------------------ C        2 -------+
GIS, General indicator                        M        1        |
NAD, Name and address                         M        1        |
FTX, Free text                                M        6        |
---- -----------------------------------------------------------+

--- Segment Group 12 ------------------------ C        1 -------+
AUT, Authentication result                    M        1        |
DTM, Date/time/period                         C        1        |
---- -----------------------------------------------------------+
UNT, Message trailer                          M        1