├── .gitignore ├── LICENSE ├── README.md ├── composer.json ├── example.php ├── lib.sepalastschrift.php ├── pain.008.002.02.xsd └── pain.008.003.02.xsd /.gitignore: -------------------------------------------------------------------------------- https://raw.githubusercontent.com/michael-dev/php-sepa-lastschrift/aee9981c995a1e5f4fed0eb3ae44b46e94664bf0/.gitignore -------------------------------------------------------------------------------- /LICENSE: -------------------------------------------------------------------------------- 1 | GNU LESSER GENERAL PUBLIC LICENSE 2 | Version 3, 29 June 2007 3 | 4 | Copyright (C) 2007 Free Software Foundation, Inc. 5 | Everyone is permitted to copy and distribute verbatim copies 6 | of this license document, but changing it is not allowed. 7 | 8 | 9 | This version of the GNU Lesser General Public License incorporates 10 | the terms and conditions of version 3 of the GNU General Public 11 | License, supplemented by the additional permissions listed below. 12 | 13 | 0. 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Revised Versions of the GNU Lesser General Public License. 145 | 146 | The Free Software Foundation may publish revised and/or new versions 147 | of the GNU Lesser General Public License from time to time. Such new 148 | versions will be similar in spirit to the present version, but may 149 | differ in detail to address new problems or concerns. 150 | 151 | Each version is given a distinguishing version number. If the 152 | Library as you received it specifies that a certain numbered version 153 | of the GNU Lesser General Public License "or any later version" 154 | applies to it, you have the option of following the terms and 155 | conditions either of that published version or of any later version 156 | published by the Free Software Foundation. If the Library as you 157 | received it does not specify a version number of the GNU Lesser 158 | General Public License, you may choose any version of the GNU Lesser 159 | General Public License ever published by the Free Software Foundation. 160 | 161 | If the Library as you received it specifies that a proxy can decide 162 | whether future versions of the GNU Lesser General Public License shall 163 | apply, that proxy's public statement of acceptance of any version is 164 | permanent authorization for you to choose that version for the 165 | Library. 166 | -------------------------------------------------------------------------------- /README.md: -------------------------------------------------------------------------------- 1 | php-sepa-lastschrift 2 | ==================== 3 | 4 | PHP SEPA (Sammel-)Lastschriften erzeugen (XML) 5 | 6 | Diese Bibliothek erzeugt SEPA-Basis-(Sammel-)lastschriften (CDD). Fristen, State-Tracking usw. entsprechend Rulebook und sonstigen Vereinbarungen muss außerhalb der Lib implementiert werden. 7 | 8 | Benutzung auf eigene Gefahr! 9 | -------------------------------------------------------------------------------- /composer.json: -------------------------------------------------------------------------------- 1 | { 2 | "name" : "michael-dev/php-sepa-lastschrift", 3 | "description" : "PHP SEPA (Sammel-)Lastschriften erzeugen (XML)", 4 | "type" : "library", 5 | "authors" : [{ 6 | "name" : "Michael Braun", 7 | "email" : "michael-dev@fami-braun.de" 8 | } 9 | ], 10 | "homepage" : "https://github.com/michael-dev/php-sepa-lastschrift", 11 | "license" : "LGPL-3.0+", 12 | "minimum-stability" : "dev", 13 | "keywords" : [ 14 | "SEPA", 15 | "Lastschrift" 16 | ], 17 | "autoload": { 18 | "classmap": ["lib.sepalastschrift.php"] 19 | } 20 | } -------------------------------------------------------------------------------- /example.php: -------------------------------------------------------------------------------- 1 | addLastschrift( /* id */ "randomtxid", 15 | /* iban */ "DE456IBAN", 16 | /* bic */ "BICEXAMPLE1", 17 | /* account owner */ "Test Me", 18 | /* mandate */ "Mandate-Id123", 19 | /* mandate signing date */ new DateTime("2013-05-23"), 20 | /* amount */ 42.00, 21 | /* subject */ "blabla SSS", 22 | /* type */ "FRST"); 23 | $lastschriften->addLastschrift("randomtxid2", "DE789IBAN", "BICEXAMPLE2", "Test Me2", "Mandate-Id122", new DateTime("2013-05-22"), 44.00, "blabla SSS","RCUR"); 24 | $lastschriften->addLastschrift("randomtxid3", "DE012IBAN", "BICEXAMPLE3", "Test Me3", "Mandate-Id123", new DateTime("2013-05-22"), 44.00, "blabla SSS","RCUR"); 25 | 26 | # enable self-test: optional 27 | global $sepaLastschriftXMLVersion; # 008.002.02 28 | global $sepaLastschriftXSD; # ../media/ 29 | $sepaLastschriftXSD = dirname(__FILE__); 30 | function add_message($msg, $class="hinweis") { 31 | echo $msg."\n"; 32 | } 33 | 34 | # output 35 | header("Content-type: text/xml"); 36 | echo $lastschriften->asXML(); 37 | 38 | -------------------------------------------------------------------------------- /lib.sepalastschrift.php: -------------------------------------------------------------------------------- 1 | . 5 | * All rights reserved. 6 | * 7 | * This library is free software; you can redistribute it and/or 8 | * modify it under the terms of the GNU Lesser General Public 9 | * License as published by the Free Software Foundation; either 10 | * version 3 of the License, or (at your option) any later version. 11 | * 12 | * This library is distributed in the hope that it will be useful, 13 | * but WITHOUT ANY WARRANTY; without even the implied warranty of 14 | * MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE. See the GNU 15 | * Lesser General Public License for more details. 16 | * 17 | * You should have received a copy of the GNU Lesser General Public 18 | * License along with this library; if not, write to the Free Software 19 | * Foundation, Inc., 51 Franklin Street, Fifth Floor, Boston, 20 | * MA 02110-1301 USA 21 | * 22 | * https://github.com/michael-dev/php-sepa-lastschrift 23 | */ 24 | 25 | global $sepaLastschriftXMLVersion; # 008.002.02 26 | global $sepaLastschriftXSD; # ../media/ 27 | 28 | /** 29 | * Diese Klasse implementiert pain.008.003.02 30 | * für SEPA Lastschriften 31 | * Payment-Id := - 32 | */ 33 | class SEPALastschrift { 34 | private $date; /* Y-m-d\TH:i:s\Z */ 35 | private $msgid; /* ([A-Za-z0-9]|[\+|\?|/|\-|:|\(|\)|\.|,|'| ]){1,35} */ 36 | private $txs = Array(); /* $type => Array */ 37 | private $initator = "missing"; 38 | private $sum = Array(); /* $type => cents */ 39 | private $creditorName = "missing"; 40 | private $creditorIBAN = "missing"; 41 | private $creditorBIC = "missing"; 42 | private $creditorID = "missing"; /* Gläubiger-ID */ 43 | private $ccy = "EUR"; /* EUR */ 44 | private $txTypes = Array("FRST","RCUR","OOFF","FNAL"); 45 | private $cdtype = "CORE"; 46 | private $BtchBookg = NULL; 47 | 48 | /** 49 | * msgid ist ein Prefix, welches auch für sie Sammler (PmtInfId) als Prefix verwendet wird. Daher die Länge auf 29 beschränken! 50 | */ 51 | public function __construct($date /*class DateTime*/, $msgid, $initiator, $creditorName, $creditorIBAN, $creditorBIC, $creditorID /* GläubigerID */, $ccy="EUR", $cdtype="CORE" /* B2B or COR1 */, $BtchBookg = NULL /* BatchBookingIndicator */) { 52 | $this->date = $date; 53 | $this->msgid = $msgid; 54 | $this->initiator = $initiator; 55 | $this->creditorName = $creditorName; 56 | $this->creditorIBAN = $creditorIBAN; 57 | $this->creditorBIC = $creditorBIC; 58 | $this->creditorID = $creditorID; 59 | $this->ccy = $ccy; 60 | $this->cdtype = $cdtype; 61 | $this->BtchBookg = $BtchBookg; 62 | if (!preg_match("#^([A-Za-z0-9]|[\+|\?|/|\-|:|\(|\)|\.|,|'| ]){1,29}$#", $msgid)) 63 | die("ungültige msgid"); 64 | } 65 | 66 | /** 67 | * Lastschrift einfügen. 68 | * @param name Kontoinhaber 69 | * @param amount maximal 2 Bruchziffern, float 70 | * @param mandateSignatureDate Datum der Unterschrift auf dem Mandat; als class DateTime Object 71 | * @param sepatyp FRST RCUR OOFF FNAL 72 | * @param UltmtDbtr Name des Schuldners (nur Information; wenn abweichend von Kontoinhaber) (optional) 73 | */ 74 | public function addLastschrift($id, $iban, $bic, $name, $mandate, $mandateSignatureDate /* class DateTime */, $amount /* float */, $subject, $type, $UltmtDbtr = NULL) { 75 | if (!preg_match("#^([A-Za-z0-9]|[\+|\?|/|\-|:|\(|\)|\.|,|'| ]){1,35}$#", $id)) 76 | die("invalid id $id"); 77 | if (!preg_match("#^([A-Za-z0-9]|[\+|\?|/|\-|:|\(|\)|\.|,|']){1,35}$#", $mandate)) 78 | die("invalid mandate $mandate"); 79 | if (strlen($subject) < 1 or strlen($subject) > 140) 80 | die("invalid subject length"); 81 | # Sparkasse Arnstadt-Ilmenau erlaubt hier nur a-zA-Z0-9 sowie -':?,+()/. und Leerzeichen 82 | if (!preg_match("#^[A-Za-z0-9\+\?/\-:\(\)\.,' ]{1,140}$#", $subject)) 83 | die("invalid subject $subject: #^[A-Za-z0-9\+\?/\-:\(\)\.,' ]{1,140}$#"); 84 | if (strlen($name) < 1 or strlen($name) > 70) 85 | die("invalid name length"); 86 | # Sparkasse Arnstadt-Ilmenau erlaubt hier nur a-zA-Z0-9 sowie -':?,+()/. und Leerzeichen 87 | if (!preg_match("#^[A-Za-z0-9\+\?/\-:\(\)\.,' ]{1,70}$#", $name)) 88 | die("invalid name $name: #^[A-Za-z0-9\+\?/\-:\(\)\.,' ]{1,70}$#"); 89 | if ($UltmtDbtr !== NULL && (strlen($UltmtDbtr) < 1 or strlen($UltmtDbtr) > 70)) 90 | die("invalid UltmtDbtr length"); 91 | if ($amount < 0.01 || $amount > 999999999.99) die("invalid amount $amount"); 92 | $amount = round($amount * 100); 93 | if (!in_array($type, $this->txTypes)) die("invalid type $type"); 94 | $tx = Array("id" => $id, "IBAN" => $iban, "BIC" => $bic, "name" => $name, "mandate" => $mandate, "mandateSignatureDate" => $mandateSignatureDate, "amount" => $amount, "subject" => $subject); 95 | if ($UltmtDbtr !== NULL) $ts["UltmtDbtr"] = $UltmtDbtr; 96 | if (!isset($this->txs[$type])) $this->txs[$type] = Array(); 97 | $this->txs[$type][] = $tx; 98 | if (!isset($this->sum[$type])) $this->sum[$type] = 0; 99 | $this->sum[$type] += $amount; 100 | } 101 | 102 | private static function formatCcy($cents) { 103 | return sprintf("%d.%02d", ($cents / 100), ($cents % 100)); 104 | } 105 | 106 | private function addGrpHdr($xml) { 107 | $xml->startElement('GrpHdr'); 108 | $xml->writeElement('MsgId', $this->msgid); 109 | $dt = new DateTime("now", new DateTimeZone('Etc/UTC')); 110 | $xml->writeElement('CreDtTm', $dt->format('Y-m-d\TH:i:s\Z')); 111 | $ctn = 0; 112 | foreach ($this->txs as $v) { 113 | $ctn += count($v); 114 | } 115 | $xml->writeElement('NbOfTxs', $ctn); 116 | $sum = 0; 117 | foreach ($this->sum as $v) { 118 | $sum += $v; 119 | } 120 | $xml->writeElement('CtrlSum', $this->formatCcy($sum)); 121 | $xml->startElement('InitgPty'); 122 | $xml->writeElement('Nm', $this->initiator); 123 | $xml->endElement(); /* InitgPty */ 124 | $xml->endElement(); /* GrpHdr */ 125 | } 126 | 127 | /** $type: FRST; RCUR; OOFF; FNAL */ 128 | private function addPmtInf($xml, $txs, $sum, $type) { 129 | if (!preg_match("#^([A-Za-z0-9]|[\+|\?|/|\-|:|\(|\)|\.|,|'| ]){1,5}$#", $type)) 130 | die("invalid type $type"); 131 | 132 | $xml->startElement('PmtInf'); 133 | $xml->writeElement('PmtInfId', $this->msgid.'-'.$type); 134 | $xml->writeElement('PmtMtd','DD'); 135 | if ($this->BtchBookg !== NULL) { 136 | $xml->writeElement('BtchBookg', $this->BtchBookg ? "true" : "false"); 137 | } 138 | $xml->writeElement('NbOfTxs', count($txs)); 139 | $xml->writeElement('CtrlSum', $this->formatCcy($sum)); 140 | $xml->startElement('PmtTpInf'); 141 | $xml->startElement('SvcLvl'); 142 | $xml->writeElement('Cd', 'SEPA'); 143 | $xml->endElement(); /* SvcLvl */ 144 | $xml->startElement('LclInstrm'); 145 | $xml->writeElement('Cd', $this->cdtype); 146 | $xml->endElement(); /* LclInstrm */ 147 | $xml->writeElement('SeqTp', $type); 148 | $xml->endElement(); /* PmtTpInf */ 149 | $xml->writeElement('ReqdColltnDt', $this->date->format('Y-m-d')); 150 | $xml->startElement('Cdtr'); 151 | $xml->writeElement('Nm', $this->creditorName); 152 | $xml->endElement(); /* Cdtr */ 153 | $xml->startElement('CdtrAcct'); 154 | $xml->startElement('Id'); 155 | $xml->writeElement('IBAN', $this->creditorIBAN); 156 | $xml->endElement(); /* Id */ 157 | $xml->endElement(); /* CdtrAcct */ 158 | $xml->startElement('CdtrAgt'); 159 | $xml->startElement('FinInstnId'); 160 | if ($this->creditorBIC !== NULL) { 161 | $xml->writeElement('BIC', $this->creditorBIC); 162 | } // BIC !== NULL 163 | $xml->endElement(); /* FinInstnId */ 164 | $xml->endElement(); /* CdtrAgt */ 165 | $xml->writeElement('ChrgBr', 'SLEV'); 166 | $xml->startElement('CdtrSchmeId'); 167 | $xml->startElement('Id'); 168 | $xml->startElement('PrvtId'); 169 | $xml->startElement('Othr'); 170 | $xml->writeElement('Id',$this->creditorID); 171 | $xml->startElement('SchmeNm'); 172 | $xml->writeElement('Prtry','SEPA'); 173 | $xml->endElement(); /* SchmeNm */ 174 | $xml->endElement(); /* Othr */ 175 | $xml->endElement(); /* PrvtId */ 176 | $xml->endElement(); /* Id */ 177 | $xml->endElement(); /* CdtrSchmeId */ 178 | foreach ($txs as $tx) { 179 | $this->addTX($xml, $tx); 180 | } 181 | $xml->endElement(); /* PmtInf */ 182 | } 183 | 184 | private function addTX($xml, $tx) { 185 | $xml->startElement('DrctDbtTxInf'); 186 | $xml->startElement('PmtId'); 187 | $xml->writeElement('EndToEndId',$tx["id"]); 188 | $xml->endElement(); /* PmtId */ 189 | $xml->startElement('InstdAmt'); 190 | $xml->writeAttribute("Ccy", $this->ccy); 191 | $xml->text($this->formatCcy($tx["amount"])); 192 | $xml->endElement(); /* InstdAmt */ 193 | $xml->startElement('DrctDbtTx'); 194 | $xml->startElement('MndtRltdInf'); 195 | $xml->writeElement('MndtId', $tx["mandate"]); 196 | $xml->writeElement('DtOfSgntr',$tx["mandateSignatureDate"]->format('Y-m-d')); 197 | /* No Amendment aka Change-Tracing supported! */ 198 | $xml->endElement(); /* MndtRltdInf */ 199 | $xml->endElement(); /* DrctDbtTx */ 200 | $xml->startElement('DbtrAgt'); 201 | $xml->startElement('FinInstnId'); 202 | if ($tx["BIC"] !== NULL) { 203 | $xml->writeElement('BIC',$tx["BIC"]); 204 | } // BIC !== null 205 | $xml->endElement(); /* FinInstnId */ 206 | $xml->endElement(); /* DbtrAgt */ 207 | $xml->startElement('Dbtr'); 208 | $xml->writeElement('Nm',$tx["name"]); 209 | $xml->endElement(); /* Dbtr */ 210 | $xml->startElement('DbtrAcct'); 211 | $xml->startElement('Id'); 212 | $xml->writeElement('IBAN',$tx["IBAN"]); 213 | $xml->endElement(); /* Id */ 214 | $xml->endElement(); /* DbtrAcct */ 215 | if (isset($tx["UltmtDbtr"])) { 216 | $xml->startElement('UltmtDbtr'); 217 | $xml->writeElement('Nm',$tx["UltmtDbtr"]); /* Zahlungspflichtiger, falls vom Kontoinhaber abweichend */ 218 | $xml->endElement(); /* UltmtDbtr */ 219 | } 220 | $xml->startElement('RmtInf'); 221 | $xml->writeElement('Ustrd',$tx["subject"]); 222 | $xml->endElement(); /* RmtInf */ 223 | $xml->endElement(); /* DrctDbtTxInf */ 224 | } 225 | 226 | public function asXML() { 227 | global $sepaLastschriftXMLVersion; # 008.002.02 228 | global $sepaLastschriftXSD; # ../media/ 229 | /** output */ 230 | $xml = new XMLWriter; 231 | $xml->openMemory(); 232 | $xml->startDocument('1.0', 'UTF-8'); 233 | 234 | $painVersion = "008.002.02"; 235 | if (isset($sepaLastschriftXMLVersion)) { 236 | $painVersion = $sepaLastschriftXMLVersion; 237 | } 238 | $painXSDFile = "pain.".$painVersion.".xsd"; 239 | 240 | $xml->startElement('Document'); 241 | $xml->writeAttribute('xmlns','urn:iso:std:iso:20022:tech:xsd:pain.'.$painVersion); 242 | $xml->writeAttributeNS('xsi','schemaLocation','http://www.w3.org/2001/XMLSchema-instance','urn:iso:std:iso:20022:tech:xsd:pain.'.$painVersion.' '.$painXSDFile); 243 | $xml->startElement('CstmrDrctDbtInitn'); 244 | $this->addGrpHdr($xml); 245 | foreach ($this->txs as $type => $txs) { 246 | $this->addPmtInf($xml, $txs, $this->sum[$type], $type); 247 | } 248 | $xml->endElement(); /* CstmrDrctDbtInitn */ 249 | $xml->endElement(); /* Document */ 250 | 251 | $xml->endDocument(); 252 | $xmlString = $xml->outputMemory(TRUE); 253 | 254 | // verify xml 255 | if (isset($sepaLastschriftXSD)) { 256 | $xsdFile = $sepaLastschriftXSD."/".$painXSDFile; 257 | if (!is_file($xsdFile)) { 258 | add_message("Die Schema-Datei $xsdFile wurde nicht gefunden."); 259 | return false; 260 | } else { 261 | $tempDom = new DOMDocument(); 262 | $tempDom->loadXML($xmlString); 263 | if (!$tempDom->schemaValidate($xsdFile)) { 264 | add_message("Die erzeugten Daten sind ungültig."); 265 | return false; 266 | } 267 | } 268 | } 269 | 270 | return $xmlString; 271 | } 272 | } 273 | -------------------------------------------------------------------------------- /pain.008.002.02.xsd: -------------------------------------------------------------------------------- 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | Mandatory if changes occur in ‘Mandate Identification’, otherwise not to be used. 42 | 43 | 44 | 45 | 46 | Mandatory if changes occur in 'Creditor Scheme Identification', otherwise not to be used. 47 | 48 | 49 | 50 | 51 | To be used only for changes of accounts within the same bank. 52 | 53 | 54 | 55 | 56 | To use 'Identification’ under 'Other' under 'Financial Institution Identifier with code ‘SMNDA’ to indicate same mandate with new Debtor Agent. To be used with the ‘FRST’ indicator in the ‘Sequence Type’. 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | If a Creditor Reference contains a check digit, the receiving bank is not required to validate this. 116 | If the receiving bank validates the check digit and if this validation fails, the bank may continue its processing and send the transaction to the next party in the chain. 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | It is recommended that all transactions within the same ‘Payment Information’ block have the same ‘Creditor Scheme Identification’. 158 | This data element must be present at either ‘Payment Information’ or ‘Direct Debit 159 | Transaction’ level. 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | It is recommended that this element be specified at ‘Payment Information’ level. 171 | 172 | 173 | 174 | 175 | 176 | This data element may be present either at ‘Payment Information’ or at ‘Direct Debit Transaction Information’ level. 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | Mandatory if provided by the debtor in the mandate. 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 | 269 | 270 | 271 | 272 | 273 | 274 | 275 | 276 | 277 | 278 | 279 | 280 | 281 | 282 | 283 | 284 | 285 | 286 | 287 | 288 | 289 | 290 | 291 | 292 | 293 | 294 | 295 | 296 | 297 | 298 | 299 | 300 | 301 | 302 | 303 | 304 | 305 | 306 | 307 | 308 | 309 | 310 | 311 | 312 | 313 | Mandatory if 'Amendment Indicator' is 'TRUE' 314 | The reason code from the Rulebook is indicated using one of the following message subelements. 315 | 316 | 317 | 318 | 319 | 320 | 321 | 322 | 323 | 324 | 325 | 326 | 327 | 328 | 329 | 330 | 331 | 332 | 333 | 334 | 335 | 336 | 337 | 338 | 339 | 340 | 341 | 342 | 343 | 344 | 345 | 346 | 347 | 348 | 349 | 350 | 351 | 352 | 353 | 354 | 355 | 356 | 357 | 358 | 359 | 360 | 361 | 362 | 363 | 364 | 365 | 366 | 367 | 368 | 369 | 370 | Either ‘BIC or BEI’ or one 371 | occurrence of ‘Other’ is allowed. 372 | 373 | 374 | 375 | 376 | Either ‘Date and Place of Birth’ or one occurrence of ‘Other’ is allowed 377 | 378 | 379 | 380 | 381 | 382 | 383 | 384 | 385 | 386 | Private Identification is used to identify either an organisation or a private 387 | person. 388 | 389 | 390 | 391 | 392 | 393 | 394 | 395 | 396 | ‘Name’ is limited to 70 characters in length. 397 | 398 | 399 | 400 | 401 | 402 | 403 | 404 | 405 | 406 | ‘Name’ is limited to 70 characters in length. 407 | 408 | 409 | 410 | 411 | 412 | 413 | 414 | 415 | 416 | 417 | 418 | 419 | 420 | 421 | 422 | If present the new’ Name’ must be specified under ‘Creditor’. ‘Name’ is limited to 70 characters in length. 423 | 424 | 425 | 426 | 427 | 428 | 429 | 430 | 431 | 432 | ‘Name’ is limited to 70 characters in length. 433 | 434 | 435 | 436 | 437 | 438 | 439 | 440 | 441 | 442 | 443 | 444 | 445 | 446 | 447 | 448 | 449 | 450 | If present and contains ‘true’, batch booking is requested. If present and contains ‘false’, booking per transaction is requested. If element is not present, pre-agreed customer-to-bank conditions apply. 451 | 452 | 453 | 454 | 455 | 456 | 457 | 458 | 459 | 460 | 461 | 462 | This data element may be present either at ‘Payment Information’ or at ‘Direct Debit Transaction Information’ level. 463 | 464 | 465 | 466 | 467 | It is recommended that this element be specified at ‘Payment Information’ level. 468 | 469 | 470 | 471 | 472 | It is recommended that all transactions within the same ‘Payment Information’ block have the same ‘Creditor Scheme Identification’. 473 | This data element must be present at either ‘Payment Information’ or ‘Direct Debit 474 | Transaction’ level. 475 | 476 | 477 | 478 | 479 | 480 | 481 | 482 | 483 | 484 | 485 | 486 | 487 | 488 | 489 | 490 | Only ‘B2B’ or 'CORE' is allowed. The mixing of Core Direct Debits and B2B Direct Debits is not allowed in the same message. 491 | 492 | 493 | 494 | 495 | If 'Amendment Indicator' is 'true' and 'Original Debtor Agent' is set to 'SMNDA' this message element must indicate 'FRST' 496 | 497 | 498 | 499 | 500 | Depending on the agreement between the Creditor and the Creditor Bank, ‘Category Purpose’ may be forwarded to the Debtor Bank. 501 | 502 | 503 | 504 | 505 | 506 | 507 | 508 | 509 | 510 | 511 | 512 | 513 | 514 | 515 | 516 | 517 | Only one occurrence of ‘Other’ is allowed, and no other sub-elements are allowed. 518 | Identification must be used with an identifier described in General Message Element Specifications, Chapter 1.5.2 of the Implementation Guide. 519 | Scheme Name’ under ‘Other’ must specify ‘SEPA’ under ‘Proprietary 520 | 521 | 522 | 523 | 524 | 525 | 526 | 527 | 528 | 529 | 530 | 531 | 532 | 533 | 534 | 535 | 536 | 537 | 538 | 539 | 540 | 541 | 542 | 543 | 544 | 545 | 546 | 547 | 548 | 549 | 550 | 551 | 552 | Only codes from the ISO 20022 ExternalPurposeCode list are allowed. 553 | 554 | 555 | 556 | 557 | 558 | 559 | 560 | 561 | 562 | 563 | 564 | 565 | 566 | 567 | 568 | 569 | 570 | 571 | 572 | 573 | 574 | 575 | 576 | 577 | 578 | 579 | 580 | 581 | 582 | When present, the receiving bank is not obliged to validate the reference information. 583 | 584 | 585 | 586 | 587 | 588 | 589 | 590 | 591 | 592 | 593 | 594 | 595 | 596 | 597 | 598 | 599 | 600 | 601 | -------------------------------------------------------------------------------- /pain.008.003.02.xsd: -------------------------------------------------------------------------------- 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | Mandatory if changes occur in ‘Mandate Identification’, otherwise not to be used. 49 | 50 | 51 | 52 | 53 | Mandatory if changes occur in 'Creditor Scheme Identification', otherwise not to be used. 54 | 55 | 56 | 57 | 58 | To be used only for changes of accounts within the same bank. 59 | 60 | 61 | 62 | 63 | To use 'Identification’ under 'Other' under 'Financial Institution Identifier with code ‘SMNDA’ to indicate same mandate with new Debtor Agent. To be used with the ‘FRST’ indicator in the ‘Sequence Type’. 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | If a Creditor Reference contains a check digit, the receiving bank is not required to validate this. 123 | If the receiving bank validates the check digit and if this validation fails, the bank may continue its processing and send the transaction to the next party in the chain. 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | It is recommended that all transactions within the same ‘Payment Information’ block have the same ‘Creditor Scheme Identification’. 165 | This data element must be present at either ‘Payment Information’ or ‘Direct Debit 166 | Transaction’ level. 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | It is recommended that this element be specified at ‘Payment Information’ level. 178 | 179 | 180 | 181 | 182 | 183 | This data element may be present either at ‘Payment Information’ or at ‘Direct Debit Transaction Information’ level. 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | Mandatory if provided by the debtor in the mandate. 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 | 269 | 270 | 271 | 272 | 273 | 274 | 275 | 276 | 277 | 278 | 279 | 280 | 281 | 282 | 283 | 284 | 285 | 286 | 287 | 288 | 289 | 290 | 291 | 292 | 293 | 294 | 295 | 296 | 297 | 298 | 299 | 300 | 301 | 302 | 303 | 304 | 305 | 306 | 307 | 308 | 309 | 310 | 311 | 312 | 313 | 314 | 315 | 316 | 317 | 318 | 319 | 320 | 321 | 322 | 323 | 324 | 325 | 326 | 327 | 328 | 329 | Mandatory if 'Amendment Indicator' is 'TRUE' 330 | The reason code from the Rulebook is indicated using one of the following message subelements. 331 | 332 | 333 | 334 | 335 | 336 | 337 | 338 | 339 | 340 | 341 | 342 | 343 | 344 | 345 | 346 | 347 | 348 | 349 | 350 | 351 | 352 | 353 | 354 | 355 | 356 | 357 | 358 | 359 | 360 | 361 | 362 | 363 | 364 | 365 | 366 | 367 | 368 | 369 | 370 | 371 | 372 | 373 | 374 | 375 | 376 | 377 | 378 | 379 | 380 | 381 | 382 | 383 | 384 | 385 | 386 | Either ‘BIC or BEI’ or one 387 | occurrence of ‘Other’ is allowed. 388 | 389 | 390 | 391 | 392 | Either ‘Date and Place of Birth’ or one occurrence of ‘Other’ is allowed 393 | 394 | 395 | 396 | 397 | 398 | 399 | 400 | 401 | 402 | Private Identification is used to identify either an organisation or a private 403 | person. 404 | 405 | 406 | 407 | 408 | 409 | 410 | 411 | 412 | ‘Name’ is limited to 70 characters in length. 413 | 414 | 415 | 416 | 417 | 418 | 419 | 420 | 421 | 422 | ‘Name’ is limited to 70 characters in length. 423 | 424 | 425 | 426 | 427 | 428 | 429 | 430 | 431 | 432 | 433 | 434 | 435 | 436 | 437 | 438 | If present the new’ Name’ must be specified under ‘Creditor’. ‘Name’ is limited to 70 characters in length. 439 | 440 | 441 | 442 | 443 | 444 | 445 | 446 | 447 | 448 | ‘Name’ is limited to 70 characters in length. 449 | 450 | 451 | 452 | 453 | 454 | 455 | 456 | 457 | 458 | 459 | 460 | 461 | 462 | 463 | 464 | 465 | 466 | If present and contains ‘true’, batch booking is requested. If present and contains ‘false’, booking per transaction is requested. If element is not present, pre-agreed customer-to-bank conditions apply. 467 | 468 | 469 | 470 | 471 | 472 | 473 | 474 | 475 | 476 | 477 | 478 | This data element may be present either at ‘Payment Information’ or at ‘Direct Debit Transaction Information’ level. 479 | 480 | 481 | 482 | 483 | It is recommended that this element be specified at ‘Payment Information’ level. 484 | 485 | 486 | 487 | 488 | It is recommended that all transactions within the same ‘Payment Information’ block have the same ‘Creditor Scheme Identification’. 489 | This data element must be present at either ‘Payment Information’ or ‘Direct Debit 490 | Transaction’ level. 491 | 492 | 493 | 494 | 495 | 496 | 497 | 498 | 499 | 500 | 501 | 502 | 503 | 504 | 505 | 506 | Only ‘B2B’, 'CORE' or 'COR1' is allowed. The mixing of different Local Instrument values is not allowed in the same message. 507 | 508 | 509 | 510 | 511 | If 'Amendment Indicator' is 'true' and 'Original Debtor Agent' is set to 'SMNDA' this message element must indicate 'FRST' 512 | 513 | 514 | 515 | 516 | Depending on the agreement between the Creditor and the Creditor Bank, ‘Category Purpose’ may be forwarded to the Debtor Bank. 517 | 518 | 519 | 520 | 521 | 522 | 523 | 524 | 525 | 526 | 527 | 528 | 529 | 530 | 531 | 532 | 533 | Only one occurrence of ‘Other’ is allowed, and no other sub-elements are allowed. 534 | Identification must be used with an identifier described in General Message Element Specifications, Chapter 1.5.2 of the Implementation Guide. 535 | Scheme Name’ under ‘Other’ must specify ‘SEPA’ under ‘Proprietary 536 | 537 | 538 | 539 | 540 | 541 | 542 | 543 | 544 | 545 | 546 | 547 | 548 | 549 | 550 | 551 | 552 | 553 | 554 | 555 | 556 | 557 | 558 | 559 | 560 | 561 | 562 | 563 | 564 | 565 | 566 | 567 | 568 | Only codes from the ISO 20022 ExternalPurposeCode list are allowed. 569 | 570 | 571 | 572 | 573 | 574 | 575 | 576 | 577 | 578 | 579 | 580 | 581 | 582 | 583 | 584 | 585 | 586 | 587 | 588 | 589 | 590 | 591 | 592 | 593 | 594 | 595 | 596 | 597 | 598 | When present, the receiving bank is not obliged to validate the reference information. 599 | 600 | 601 | 602 | 603 | 604 | 605 | 606 | 607 | 608 | 609 | 610 | 611 | 612 | 613 | 614 | 615 | 616 | 617 | --------------------------------------------------------------------------------