This specification provides the definition of the Multiple interbank funds transfer message (FINPAY) to be used in Electronic Data Interchange (EDI) between trading partners involved in administration, commerce and transport.
A Multiple interbank funds transfer message is sent between financial institutions to request the transfer of funds in settlement of the referenced business transaction(s).
The FINPAY message may be exchanged directly between financial institutions or through a clearing system.
Depending on the account relationship between the financial institutions, the FINPAY may be used as a payment order and/or as a credit advice.
The FINPAY may also be used for collections, documentary credits, direct debits and other financial institution related transfers.
The Multiple interbank funds transfer 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.
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 Multiple interbank funds transfer message is structured in three levels: A, B, and C.
The structure of the message is designed to allow several B levels, each B level being followed by its related C levels.
A service segment starting and uniquely identifying a message. The message type code for the Multiple interbank funds transfer message is FINPAY.
Note: Multiple interbank funds transfer messages conforming to this document must contain the following data in segment UNH, composite S009:
A segment by means of which the sender must uniquely identify the FINPAY message using its type and number and when necessary its function.
A segment specifying the date and, if required, the time when the message is created.
A segment identifying certain characteristics of the Multiple interbank funds transfer message, such as the type of transaction and/or bank operation, and used for routing purposes.
0230 Segment Group 6: MOA-CUX-DTM-RFF
A group of segments containing the total of all the amounts of the subsequent C levels to be transferred. It may also specify the currency, the foreign exchange details, as well as any other relevant amounts.
0240 MOA, Monetary amount
A segment containing the total of all subsequent individual amounts to be transferred as well as, optionally, the currency.
0250 CUX, Currencies
A segment identifying the source currency and the target currency of the amount to be transferred when they are different, and indicating the exchange rate related to the account and amount to be converted.
0260 DTM, Date/time/period
A segment specifying the effective date and/or time the rate of exchange quoted in the preceding CUX segment was fixed.
0270 RFF, Reference
A segment identifying other transactions to which funds associated with the multiple interbank funds transfer are related, such as a separate foreign exchange deal.
A group of segments providing details pertaining to all charges and/or allowances. It may also specify any exchange rates related to these charges and/or allowances.
0320 ALC, Allowance or charge
A segment containing any charges and/or allowances which are related to the total amount, calculated from the original amount or from the basis amount.
0330 PCD, Percentage details
A segment specifying the details of the percentage used for calculating the charges and/or allowances.
0340 MOA, Monetary amount
A segment identifying the single amount of charges and/or allowances and specifying the basis amount from which these charges and/or allowances are calculated, when different from the transaction amount.
0350 CUX, Currencies
A segment indicating any exchange rate related to the charges and/or allowances, where relevant.
0360 DTM, Date/time/period
A segment specifying the effective date and/or time the rate of exchange quoted in the preceding CUX segment was fixed.
0370 Segment Group 9: TAX-MOA-CUX-DTM
A group of segments describing any taxes associated with the charges, their amount, exchange rates and date of exchange rates.
0380 TAX, Duty/tax/fee details
A segment identifying taxes computed to the charges in the preceding segment group.
0390 MOA, Monetary amount
A segment identifying the basis amount from which the tax is calculated, if different from the amount contained in the preceding MOA segment, identifying a single amount of charges and/or allowances.
0400 CUX, Currencies
A segment specifying the rate of exchange related to the tax amount.
0410 DTM, Date/time/period
A segment specifying the effective date and/or time the rate of exchange quoted in the preceding CUX segment was fixed.
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.
0470 GEI, Processing information
A segment identifying what processing should be completed for regulatory authorities.
0480 MOA, Monetary amount
A segment giving the amount and the currency of each transaction to be reported.
0490 LOC, Place/location identification
A segment giving the different origins and/or destinations (places) of goods and/or investments and/or services.
0500 NAD, Name and address
A segment identifying the recipient of the associated informative text.
0510 RCS, Requirements and conditions
A segment giving the nature (e.g., goods, transport services) and direction of each transaction to be recorded in coded form.
0520 FTX, Free text
A segment giving information in coded or in clear form to provide information relevant to regulatory authorities' requirements.
SG19-SG20-SG23 A group of segments containing information relating to the transactions to be transferred, such as the financial and non-financial institutions involved, payment channel, amounts, dates, instructions. It may also contain remittance information related to the transactions.
0540 SEQ, Sequence details
A segment specifying the sequence number indicating the start of the information related to each individual transaction.
0550 BUS, Business function
A segment providing information relating to the type of transfer and the underlying reason for the transfer.
0560 DTM, Date/time/period
A segment indicating dates, taken from the original payment order and added by the sending financial institution, such as the execution dates, the posting date, the value date, etc.
0670 Segment Group 16: MOA-CUX-DTM-RFF
A group of segments indicating the individual amounts to be transferred. This segment group may also contain the currency, dates and a reference related to the amount.
0680 MOA, Monetary amount
A segment containing the final amount to be transferred. It may also contain the original amount of the transfer instruction and the amount received.
0690 CUX, Currencies
A segment identifying the source currency and the target currency of the amount to be transferred when they are different, and indicating the exchange rate related to the account and amount to be converted.
0700 DTM, Date/time/period
A segment indicating the date and/or time relating to the exchange rate quoted in the preceding CUX segment.
0710 RFF, Reference
A segment specifying the reference of another transaction underlying the transfer being made, such as a foreign exchange transaction.
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.
0770 GEI, Processing information
A segment identifying what processing should be completed for regulatory authorities.
0780 MOA, Monetary amount
A segment giving the amount and the currency of each transaction to be reported.
0790 LOC, Place/location identification
A segment giving the different origins and/or destinations (places) of goods and/or investments and/or services.
0800 NAD, Name and address
A segment identifying the recipient of the associated informative text.
0810 RCS, Requirements and conditions
A segment giving the nature (e.g., goods, transport services) and direction of each transaction to be recorded in coded form.
0820 FTX, Free text
A segment giving information in coded or in clear form to provide information relevant to regulatory authorities' requirements.
A group of segments providing a detailed breakdown of all charges and/or allowances.
0910 ALC, Allowance or charge
A segment containing any charges and/or allowances which are related to the total amount, calculated from the original amount or from the basis amount.
0920 PCD, Percentage details
A segment specifying the details of the percentage used for calculating the charges and/or allowances.
0930 MOA, Monetary amount
A segment identifying the single amount of charges and/or allowances and specifying the basis amount from which these charges and/or allowances are calculated if different from the transaction amount.
0940 CUX, Currencies
A segment indicating any exchange rate related to the charges and/or allowances, where relevant.
0950 DTM, Date/time/period
A segment specifying the effective date and/or time the rate of exchange quoted in the preceding CUX segment was fixed.
0960 Segment Group 22: TAX-MOA-CUX-DTM
A group of segments describing any taxes associated with the charges, their amount, exchange rates and date of exchange rates.
0970 TAX, Duty/tax/fee details
A segment identifying taxes computed to the charges in the preceding segment group.
0980 MOA, Monetary amount
A segment identifying the basis amount from which the tax is calculated, if different from the amount in the preceding MOA segment, providing a detailed breakdown of all charges and/or allowances.
0990 CUX, Currencies
A segment specifying the rate of exchange related to the tax amount.
1000 DTM, Date/time/period
A segment specifying the effective date and/or time the rate of exchange quoted in the preceding CUX segment was fixed.
A group of segments providing details of all documents, e.g., invoices, statements, despatch advices, etc. to which the message 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.
1050 DOC, Document/message details
A segment identifying the reference document against which payment is being made.
1060 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.
1070 DTM, Date/time/period
A segment specifying the date of the referenced document and indicating any other relevant dates applicable.
1080 RFF, Reference
A segment including any additional references related to the reference document.
1090 NAD, Name and address
A segment identifying a party name and address, either by coded identification or in a clear form.
| ├─UNH Message header | ×1 | (M) |
| ├─BGM Beginning of message | ×1 | (M) |
| ├─DTM Date/time/period | ×1 | (M) |
| ├─BUS Business function | ×1 | (C) |
| ├─Segment Group 1 | ×1 | (C) |
| │─├─RFF Reference | ×1 | (M) |
| │─└─DTM Date/time/period | ×1 | (C) |
| ├─Segment Group 2 | ×5 | (C) |
| │─├─FII Financial institution information | ×1 | (M) |
| │─├─CTA Contact information | ×1 | (C) |
| │─└─COM Communication contact | ×5 | (C) |
| ├─Segment Group 3 | ×9999 | (M) |
| │─├─LIN Line item | ×1 | (M) |
| │─├─BUS Business function | ×1 | (C) |
| │─├─DTM Date/time/period | ×3 | (C) |
| │─├─Segment Group 4 | ×5 | (M) |
| │─│─├─FII Financial institution information | ×1 | (M) |
| │─│─├─CTA Contact information | ×1 | (C) |
| │─│─└─COM Communication contact | ×5 | (C) |
| │─├─Segment Group 5 | ×5 | (C) |
| │─│─├─RFF Reference | ×1 | (M) |
| │─│─└─DTM Date/time/period | ×1 | (C) |
| │─├─Segment Group 6 | ×4 | (M) |
| │─│─├─MOA Monetary amount | ×1 | (M) |
| │─│─├─CUX Currencies | ×1 | (C) |
| │─│─├─DTM Date/time/period | ×2 | (C) |
| │─│─└─RFF Reference | ×1 | (C) |
| │─├─Segment Group 7 | ×5 | (C) |
| │─│─├─FCA Financial charges allocation | ×1 | (M) |
| │─│─├─MOA Monetary amount | ×2 | (C) |
| │─│─└─Segment Group 8 | ×6 | (C) |
| │─│───├─ALC Allowance or charge | ×1 | (M) |
| │─│───├─PCD Percentage details | ×1 | (C) |
| │─│───├─MOA Monetary amount | ×2 | (C) |
| │─│───├─CUX Currencies | ×1 | (C) |
| │─│───├─DTM Date/time/period | ×1 | (C) |
| │─│───└─Segment Group 9 | ×6 | (C) |
| │─│─────├─TAX Duty/tax/fee details | ×1 | (M) |
| │─│─────├─MOA Monetary amount | ×2 | (C) |
| │─│─────├─CUX Currencies | ×1 | (C) |
| │─│─────└─DTM Date/time/period | ×1 | (C) |
| │─├─Segment Group 10 | ×3 | (C) |
| │─│─├─INP Parties and instruction | ×1 | (M) |
| │─│─├─FTX Free text | ×1 | (C) |
| │─│─└─DTM Date/time/period | ×2 | (C) |
| │─├─Segment Group 11 | ×10 | (C) |
| │─│─├─GEI Processing information | ×1 | (M) |
| │─│─├─MOA Monetary amount | ×1 | (C) |
| │─│─├─LOC Place/location identification | ×2 | (C) |
| │─│─├─NAD Name and address | ×1 | (C) |
| │─│─├─RCS Requirements and conditions | ×1 | (C) |
| │─│─└─FTX Free text | ×10 | (C) |
| │─└─Segment Group 12 | ×99999 | (M) |
| │───├─SEQ Sequence details | ×1 | (M) |
| │───├─BUS Business function | ×1 | (C) |
| │───├─DTM Date/time/period | ×6 | (C) |
| │───├─Segment Group 13 | ×4 | (M) |
| │───│─├─FII Financial institution information | ×1 | (M) |
| │───│─├─CTA Contact information | ×1 | (C) |
| │───│─└─COM Communication contact | ×5 | (C) |
| │───├─Segment Group 14 | ×6 | (C) |
| │───│─├─RFF Reference | ×1 | (M) |
| │───│─└─DTM Date/time/period | ×1 | (C) |
| │───├─Segment Group 15 | ×1 | (C) |
| │───│─├─PAI Payment instructions | ×1 | (M) |
| │───│─└─FTX Free text | ×1 | (C) |
| │───├─Segment Group 16 | ×4 | (M) |
| │───│─├─MOA Monetary amount | ×1 | (M) |
| │───│─├─CUX Currencies | ×1 | (C) |
| │───│─├─DTM Date/time/period | ×2 | (C) |
| │───│─└─RFF Reference | ×1 | (C) |
| │───├─Segment Group 17 | ×6 | (C) |
| │───│─├─NAD Name and address | ×1 | (M) |
| │───│─├─CTA Contact information | ×1 | (C) |
| │───│─└─COM Communication contact | ×5 | (C) |
| │───├─Segment Group 18 | ×10 | (C) |
| │───│─├─GEI Processing information | ×1 | (M) |
| │───│─├─MOA Monetary amount | ×1 | (C) |
| │───│─├─LOC Place/location identification | ×2 | (C) |
| │───│─├─NAD Name and address | ×1 | (C) |
| │───│─├─RCS Requirements and conditions | ×1 | (C) |
| │───│─└─FTX Free text | ×10 | (C) |
| │───├─Segment Group 19 | ×4 | (C) |
| │───│─├─INP Parties and instruction | ×1 | (M) |
| │───│─├─FTX Free text | ×1 | (C) |
| │───│─└─DTM Date/time/period | ×2 | (C) |
| │───├─Segment Group 20 | ×5 | (C) |
| │───│─├─FCA Financial charges allocation | ×1 | (M) |
| │───│─├─MOA Monetary amount | ×2 | (C) |
| │───│─└─Segment Group 21 | ×6 | (C) |
| │───│───├─ALC Allowance or charge | ×1 | (M) |
| │───│───├─PCD Percentage details | ×1 | (C) |
| │───│───├─MOA Monetary amount | ×2 | (C) |
| │───│───├─CUX Currencies | ×1 | (C) |
| │───│───├─DTM Date/time/period | ×2 | (C) |
| │───│───└─Segment Group 22 | ×6 | (C) |
| │───│─────├─TAX Duty/tax/fee details | ×1 | (M) |
| │───│─────├─MOA Monetary amount | ×2 | (C) |
| │───│─────├─CUX Currencies | ×1 | (C) |
| │───│─────└─DTM Date/time/period | ×1 | (C) |
| │───└─Segment Group 23 | ×1 | (C) |
| │─────├─PRC Process identification | ×1 | (M) |
| │─────├─FTX Free text | ×5 | (C) |
| │─────├─Segment Group 24 | ×9999 | (C) |
| │─────│─├─DOC Document/message details | ×1 | (M) |
| │─────│─├─MOA Monetary amount | ×5 | (C) |
| │─────│─├─DTM Date/time/period | ×5 | (C) |
| │─────│─├─RFF Reference | ×5 | (C) |
| │─────│─├─NAD Name and address | ×2 | (C) |
| │─────│─├─Segment Group 25 | ×5 | (C) |
| │─────│─│─├─CUX Currencies | ×1 | (M) |
| │─────│─│─└─DTM Date/time/period | ×1 | (C) |
| │─────│─├─Segment Group 26 | ×100 | (C) |
| │─────│─│─├─AJT Adjustment details | ×1 | (M) |
| │─────│─│─├─MOA Monetary amount | ×1 | (M) |
| │─────│─│─├─RFF Reference | ×1 | (C) |
| │─────│─│─└─FTX Free text | ×5 | (C) |
| │─────│─└─Segment Group 27 | ×9999 | (C) |
| │─────│───├─DLI Document line identification | ×1 | (M) |
| │─────│───├─MOA Monetary amount | ×5 | (M) |
| │─────│───├─PIA Additional product id | ×5 | (C) |
| │─────│───├─DTM Date/time/period | ×5 | (C) |
| │─────│───├─Segment Group 28 | ×5 | (C) |
| │─────│───│─├─CUX Currencies | ×1 | (M) |
| │─────│───│─└─DTM Date/time/period | ×1 | (C) |
| │─────│───└─Segment Group 29 | ×10 | (C) |
| │─────│─────├─AJT Adjustment details | ×1 | (M) |
| │─────│─────├─MOA Monetary amount | ×1 | (M) |
| │─────│─────├─RFF Reference | ×1 | (C) |
| │─────│─────└─FTX Free text | ×5 | (C) |
| │─────└─Segment Group 30 | ×1 | (C) |
| │───────├─GEI Processing information | ×1 | (M) |
| │───────└─MOA Monetary amount | ×5 | (C) |
| ├─CNT Control total | ×5 | (M) |
| ├─Segment Group 31 | ×1 | (C) |
| │─├─MOA Monetary amount | ×1 | (M) |
| │─└─DTM Date/time/period | ×1 | (C) |
| ├─Segment Group 32 | ×5 | (C) |
| │─├─AUT Authentication result | ×1 | (M) |
| │─└─DTM Date/time/period | ×1 | (C) |
| └─UNT Message trailer | ×1 | (M) |