0. INTRODUCTION
1. SCOPE
   1. Functional definition
   2. Field of application
   3. Principles
2. REFERENCES
3. TERMS AND DEFINITIONS
   1. Standard terms and definitions
4. MESSAGE DEFINITION
   1. Segment clarification
   2. Segment index (alphabetical sequence by tag)
   3. Message structure
      1. Segment table

This specification provides the definition of the Direct debit message (DIRDEB) to be used in Electronic Data Interchange (EDI) between trading partners involved in administration, commerce and transport.

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 amount(s) from the Debtor(s) and to credit the amount(s) to an account specified in the message, which the Creditor's Bank 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.

The Direct debit message may be used for both national and international applications. It is based on universal practice related to administration, commerce and transport, and is not dependent on the type of business or industry.

This message type may be applied, for both national and international settlements, but it is based on the national existing rules of the debit side.

• A Direct Debit may cover the financial settlement(s) of one or more commercial trade transactions, such as invoices, credit notes, debit notes, etc. It is not intended for use in securities trading.
• Several credit accounts, execution dates and currencies may be specified.
• Charges may be borne on account(s) different of the account(s) held by the Creditor.
• The Creditor's Bank may need a confirmation/authorization (AUTHOR) from the creditor to be able to process the Direct Debit Message.
• Pre-authorized and non pre-authorized direct debits shall not be mixed within the same message.
• The only way to modify a Direct Debit message is to cancel the whole message or a transaction thereof (e.g. by the use of the FINCAN message). In that respect, one to many order(s) could be cancelled within the message, avoiding to be obliged to cancel the whole message.

The cancellation of a message can only be effected by the originator of the message. The kind of cancellation is dependent upon the process of the message or a transaction of it.

See UNTDID, Part 4, Chapter 2.3 UN/ECE UNSM - General Introduction, Section 1.

See UNTDID, Part 4, Chapter 2.3 UN/ECE UNSM - General Introduction, Section 2.

This section should be read in conjunction with the segment table which indicates mandatory, conditional and repeating requirements.

The following semantic principles applying to the message are intended to facilitate the understanding of the message:

The Direct Debit message is structured in three levels: A, B and C.

• Level A contains general data related to the whole message and is contained in Segment Groups 1, 2, 3 and 24.
• Level B contains data from the credit side (one credit account, one currency, one execution day) and data which applies to all the dependent C levels and is contained in Segment Group 4 through Segment Group 10.
• Level C contains mainly data related to the debit side and, may contain remittance information. This data is considered as unique for each debit transaction and is contained in Segment Group 11 through Segment Group 23.

The structure of the message is designed to allow several B levels, each B level being followed by its related C levels.

0010 UNH, 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:

0020 BGM, Beginning of message

A segment by means of which the sender must uniquely identify the DIRDEB message using its type (e.g., kind of pre-authorized instructions or not pre-authorized) and number 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 the creditor for reconciliation purposes.

0030 DTM, Date/time/period

A segment specifying the date and/or time the message is created.

0040 BUS, 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.

0050 Segment Group 1: RFF-DTM

A group of segments identifying a previously sent message.

0060 RFF, Reference

A segment identifying a previously sent message.

0070 DTM, Date/time/period

A segment identifying the date/time of the previously sent message.

0080 Segment Group 2: FII-CTA-COM

A group of segments identifying the financial institutions involved in the direct debit, their functions and their contacts.

0090 FII, Financial institution information

A segment identifying the financial institution associated with the transaction and their functions.

0100 CTA, Contact information

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

0110 COM, Communication contact

A segment identifying communication type(s) and number(s) of person(s) or department(s) specified in the associated CTA segment.

0120 Segment Group 3: NAD-CTA-COM

A group of segments identifying the name(s) and address(es) of each non-financial party involved in the transaction, their functions and their contacts.

0130 NAD, Name and address

A segment identifying names and addresses of the parties associated with the direct debit, in coded or uncoded form, and their functions.

0140 CTA, Contact information

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

0150 COM, Communication contact

A segment identifying communication type(s) and number(s) of person(s) or department(s) specified in the associated CTA segment.

0160 Segment Group 4: LIN-DTM-RFF-BUS-FCA-SG5-SG6-SG7-SG8-SG9-SG10-

SG11 A group of segments containing information regarding the credit side of the transaction and details which are pertinent to all direct debits specified within the group. Certain payment details may be provided either in segment group 4 or in segment group 11, but not in both.

0170 LIN, Line item

A segment identifying the beginning of the credit side of the transaction (B level) by a sequential line number, which may also be used for reconciliation purposes.

0180 DTM, Date/time/period

A segment identifying the date, at which an order has been requested to be executed or acted upon.

0190 RFF, Reference

A segment specifying reference of the single credit amount on the credit side of the transaction (B level). Note: The identification will be passed back to the creditor for reconciliation purposes.

0200 BUS, Business function

A segment identifying certain characteristics of the direct debits stored on the debit side of the transaction (C level), such as business function.

0210 FCA, Financial charges allocation

A segment specifying the method for allocation of charges and allowances and identifying the creditor's account to which such charges or allowances should be directed where it is different from the principal account. This constitutes a default specification and is mutually exclusive with the FCA segment in Segment Group 11.

0220 Segment Group 5: MOA-CUX-DTM-RFF

A group of segments containing the currency of the single amounts on the debit side of the transaction (C level), currency to be collected, plus the total of all single amounts of the debit side of the transaction (C level).

0230 MOA, Monetary amount

A segment specifying the total amount and the currency to be collected.

0240 CUX, Currencies

A segment specifying the source 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 the creditor's bank.

0250 DTM, Date/time/period

A segment identifying the effective date and/or time the rate of exchange was fixed. The other occurrence identifies the reference date.

0260 RFF, Reference

A segment identifying other transactions to which funds associated with the direct debit are related such as separate foreign exchange deal.

0270 Segment Group 6: FII-CTA-COM

A group of segments containing the account servicing bank including the account to be credited. If the creditor is not quoted separately in the NAD segment on the credit side of the transaction (B level), then this group also contains the information of the creditor.

0280 FII, Financial institution information

A segment identifying the financial institution and relevant account number associated with the transaction, and their functions.

0290 CTA, Contact information

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

0300 COM, Communication contact

A segment identifying communication type(s) and number(s) of person(s) or department(s) specified in the associated CTA segment.

0310 Segment Group 7: NAD-CTA-COM

A group of segments identifying the creditor. Furthermore, one contact party can also be quoted in this group.

0320 NAD, Name and address

A segment identifying name and address of the non-financial institutions associated with the credit side of the transaction (B level).

0330 CTA, Contact information

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

0340 COM, Communication contact

A segment identifying communication type(s) and number(s) of person(s) or department(s) specified in the associated CTA segment.

0350 Segment Group 8: INP-FTX-DTM

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

0360 INP, Parties and instruction

A segment identifying the party to enact the instruction and the parties to be contacted. It specifies where appropriate the instruction in coded form.

0370 FTX, Free text

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

0380 DTM, Date/time/period

A segment specifying the earliest and latest dates and/or times by which the instruction specified in the INP and/or FTX segment(s) needs to be carried out.

0390 Segment Group 9: GEI-MOA-LOC-NAD-RCS-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. This group is mutually exclusive with Segment Group 15.

0400 GEI, Processing information

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

0410 MOA, Monetary amount

A segment giving the amount and the currency of each transaction to be reported.

0420 LOC, Place/location identification

A segment giving the different origins/destinations (places) of goods/investment/services.

0430 NAD, Name and address

A segment identifying a party related to the associated informative text.

0440 RCS, Requirements and conditions

A segment giving the nature (e.g. goods, transport services) and direction of each transaction to be reported in coded form.

0450 FTX, Free text

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

0460 Segment Group 10: PRC-FTX

A group of segments giving information in free form about the purpose of the direct debit from the creditor to the debtors.

0470 PRC, Process identification

A segment identifying the kind of process at the debtor's side.

0480 FTX, Free text

A segment providing clear form information from the creditor to the debtor.

0490 Segment Group 11: SEQ-MOA-DTM-BUS-RFF-PAI-FCA-SG12-SG13-

SG14-SG15-SG16 This Segment Group contains information regarding the debtor(s) of the direct debit. Certain payment details may be provided either in Segment Group 11 or in Segment Group 4, but not in both.

0500 SEQ, Sequence details

A segment identifying the beginning of the debit side of the transaction (C level) by a sequential number, which may also be used for reconciliation purposes.

0510 MOA, Monetary amount

A segment giving the amount of the direct debit. It is the amount to be collected. The currency is quoted on the credit side of the transaction (B level).

0520 DTM, Date/time/period

A segment identifying date(s)/time(s) to the debtor's side.

0530 BUS, Business function

A segment identifying business information for the direct debit.

0540 RFF, Reference

A segment identifying a transaction from the creditor to the debtor and/or from the creditor to the creditor's bank.

0550 PAI, Payment instructions

A segment specifying the conditions, method and channel of payment for the direct debit.

0560 FCA, Financial charges allocation

A segment specifying the method for allocation of charges and allowances and identifying the creditor's account to which such charges or allowances should be directed where it is different from the principal account. This segment is mutually exclusive with the FCA segment in Segment Group 4.

0570 Segment Group 12: FII-CTA-COM

A group of segments containing the debtor's bank and the account and if necessary up to two intermediary banks.

0580 FII, Financial institution information

A segment identifying the financial institution and relevant account number associated with the transaction, and their functions.

0590 CTA, Contact information

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

0600 COM, Communication contact

A segment identifying communication type(s) and number(s) of person(s) or department(s) specified in the associated CTA segment.

0610 Segment Group 13: NAD-CTA-COM

A group of segments identifying the name and address of the debtor and one contact party.

0620 NAD, Name and address

A segment identifying names and addresses of the non-financial institutions associated with the direct debit on the debtor's side .

0630 CTA, Contact information

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

0640 COM, Communication contact

A segment identifying communication type(s) and number(s) of person(s) or department(s) specified in the associated CTA segment.

0650 Segment Group 14: INP-FTX-DTM

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

0660 INP, Parties and instruction

A segment identifying the party to enact the instruction and the parties to be contacted. It specifies where appropriate the instruction in coded form.

0670 FTX, Free text

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

0680 DTM, Date/time/period

A segment specifying the earliest and latest dates and/or times by which the instruction specified in the INP and/or FTX segment(s) needs to be carried out.

0690 Segment Group 15: GEI-MOA-LOC-NAD-RCS-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.

0700 GEI, Processing information

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

0710 MOA, Monetary amount

A segment giving the amount and the currency of each transaction to be reported.

0720 LOC, Place/location identification

A segment giving the different origins/destinations (places) of goods/investment/services.

0730 NAD, Name and address

A segment identifying a party related to the associated informative text.

0740 RCS, Requirements and conditions

A segment giving the nature (e.g. goods, transport services) and direction of each transaction to be reported in coded form.

0750 FTX, Free text

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

0760 Segment Group 16: PRC-FTX-SG17-SG23

A group of segments containing the details of the direct debit. The content of these segments is passed through the banking chain from the creditor to the debtor.

0770 PRC, Process identification

A segment identifying the kind of processing at the debtor's side.

0780 FTX, Free text

A segment providing free text instruction(s) relating to the direct debit details.

0790 Segment Group 17: DOC-MOA-DTM-RFF-NAD-SG18-SG19-SG20

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.

0800 DOC, Document/message details

A segment identifying the reference document against which payment is being made.

0810 MOA, 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.

0820 DTM, Date/time/period

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

0830 RFF, Reference

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

0840 NAD, Name and address

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

0850 Segment Group 18: 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.

0860 CUX, Currencies

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

0870 DTM, Date/time/period

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

0880 Segment Group 19: AJT-MOA-RFF-FTX

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

0890 AJT, 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.

0900 MOA, 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.

0910 RFF, Reference

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

0920 FTX, Free text

A segment providing free text information related to the payment details.

0930 Segment Group 20: DLI-MOA-PIA-DTM-SG21-SG22

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

0940 DLI, Document line identification

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

0950 MOA, Monetary amount

A segment giving the monetary amounts for this line item.

0960 PIA, Additional product id

A segment specifying item identification codes where required.

0970 DTM, Date/time/period

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

0980 Segment Group 21: 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.

0990 CUX, Currencies

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

1000 DTM, Date/time/period

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

1010 Segment Group 22: AJT-MOA-RFF-FTX

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

1020 AJT, 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.

1030 MOA, Monetary amount

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

1040 RFF, Reference

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

1050 FTX, Free text

A segment providing free text information related to the payment details.

1060 Segment Group 23: GEI-MOA

A group of segments indicating the end of the details of payment and specifying hash total amounts for control purposes.

1070 GEI, Processing information

A segment identifying the end of the details of payment.

1080 MOA, Monetary amount

A segment indicating total amounts for control purposes.

1090 CNT, Control total

A segment providing information on control totals.

1100 Segment Group 24: AUT-DTM

A group of segments specifying details of any authentication (validation) procedures applied to the DIRDEB message.

1110 AUT, Authentication result

A segment specifying the details of any authentication (validation) procedures applied to the DIRDEB message.

1120 DTM, Date/time/period

A segment identifying the validation date/time.

1130 UNT, Message trailer

A service segment ending a message, giving the total number of segments in the message (including the UNH & UNT) and the control reference number of the message.