United Nations Directories
for Electronic Data Interchange for
Administration, Commerce and Transport
UN/EDIFACT
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an asterisk (*) for an amendment to structure
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notes
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batch and interactive messages)
a X sign (X) for marked for deletion (within both batch
and interactive messages)
4461 Payment means code [B]
Desc: Code identifying a means of payment.
Repr: an..3
Code Values:
1 Instrument not defined
Not defined legally enforceable agreement between two or
more parties (expressing a contractual right or a right
to the payment of money).
2 Automated clearing house credit
A credit transaction made through the automated clearing
house system.
3 Automated clearing house debit
A debit transaction made through the automated clearing
house system.
4 ACH demand debit reversal
A request to reverse an ACH debit transaction to a
demand deposit account.
5 ACH demand credit reversal
A request to reverse a credit transaction to a demand
deposit account.
6 ACH demand credit
A credit transaction made through the ACH system to a
demand deposit account.
7 ACH demand debit
A debit transaction made through the ACH system to a
demand deposit account.
8 Hold
Indicates that the bank should hold the payment for
collection by the beneficiary or other instructions.
9 National or regional clearing
Indicates that the payment should be made using the
national or regional clearing.
10 In cash
Payment by currency (including bills and coins) in
circulation, including checking account deposits.
11 ACH savings credit reversal
A request to reverse an ACH credit transaction to a
savings account.
12 ACH savings debit reversal
A request to reverse an ACH debit transaction to a
savings account.
13 ACH savings credit
A credit transaction made through the ACH system to a
savings account.
14 ACH savings debit
A debit transaction made through the ACH system to a
savings account.
15 Bookentry credit
A credit entry between two accounts at the same bank
branch. Synonym: house credit.
16 Bookentry debit
A debit entry between two accounts at the same bank
branch. Synonym: house debit.
17 ACH demand cash concentration/disbursement (CCD) credit
A credit transaction made through the ACH system to a
demand deposit account using the CCD payment format.
18 ACH demand cash concentration/disbursement (CCD) debit
A debit transaction made through the ACH system to a
demand deposit account using the CCD payment format.
19 ACH demand corporate trade payment (CTP) credit
A credit transaction made through the ACH system to a
demand deposit account using the CTP payment format.
20 Cheque
Payment by a pre-printed form on which instructions are
given to an account holder (a bank or building society)
to pay a stated sum to a named recipient.
21 Banker's draft
Issue of a banker's draft in payment of the funds.
22 Certified banker's draft
Cheque drawn by a bank on itself or its agent. A person
who owes money to another buys the draft from a bank for
cash and hands it to the creditor who need have no fear
that it might be dishonoured.
23 Bank cheque (issued by a banking or similar establishment)
Payment by a pre-printed form, which has been completed
by a financial institution, on which instructions are
given to an account holder (a bank or building society)
to pay a stated sum to a named recipient.
24 Bill of exchange awaiting acceptance
Bill drawn by the creditor on the debtor but not yet
accepted by the debtor.
25 Certified cheque
Payment by a pre-printed form stamped with the paying
bank's certification on which instructions are given to
an account holder (a bank or building society) to pay a
stated sum to a named recipient .
26 Local cheque
Indicates that the cheque is given local to the
recipient.
27 ACH demand corporate trade payment (CTP) debit
A debit transaction made through the ACH system to a
demand deposit account using the CTP payment format.
28 ACH demand corporate trade exchange (CTX) credit
A credit transaction made through the ACH system to a
demand deposit account using the CTX payment format.
29 ACH demand corporate trade exchange (CTX) debit
A debit transaction made through the ACH system to a
demand account using the CTX payment format.
30 Credit transfer
Payment by credit movement of funds from one account to
another.
31 Debit transfer
Payment by debit movement of funds from one account to
another.
32 ACH demand cash concentration/disbursement plus (CCD+)
credit
A credit transaction made through the ACH system to a
demand deposit account using the CCD+ payment format.
33 ACH demand cash concentration/disbursement plus (CCD+)
debit
A debit transaction made through the ACH system to a
demand deposit account using the CCD+ payment format.
34 ACH prearranged payment and deposit (PPD)
A consumer credit transaction made through the ACH
system to a demand deposit or savings account.
35 ACH savings cash concentration/disbursement (CCD) credit
A credit transaction made through the ACH system to a
demand deposit or savings account.
36 ACH savings cash concentration/disbursement (CCD) debit
A debit transaction made through the ACH system to a
savings account using the CCD payment format.
37 ACH savings corporate trade payment (CTP) credit
A credit transaction made through the ACH system to a
savings account using the CTP payment format.
38 ACH savings corporate trade payment (CTP) debit
A debit transaction made through the ACH system to a
savings account using the CTP payment format.
39 ACH savings corporate trade exchange (CTX) credit
A credit transaction made through the ACH system to a
savings account using the CTX payment format.
40 ACH savings corporate trade exchange (CTX) debit
A debit transaction made through the ACH system to a
savings account using the CTX payment format.
41 ACH savings cash concentration/disbursement plus (CCD+)
credit
A credit transaction made through the ACH system to a
savings account using the CCD+ payment format.
42 Payment to bank account
Payment by an arrangement for settling debts that is
operated by the Post Office.
43 ACH savings cash concentration/disbursement plus (CCD+)
debit
A debit transaction made through the ACH system to a
savings account using the CCD+ payment format.
44 Accepted bill of exchange
Bill drawn by the creditor on the debtor and accepted by
the debtor.
45 Referenced home-banking credit transfer
A referenced credit transfer initiated through home-
banking.
46 Interbank debit transfer
A debit transfer via interbank means.
47 Home-banking debit transfer
A debit transfer initiated through home-banking.
48 Bank card
Payment by means of a card issued by a bank or other
financial institution.
49 Direct debit
The amount is to be, or has been, directly debited to
the customer's bank account.
50 Payment by postgiro
A method for the transmission of funds through the
postal system rather than through the banking system.
51 FR, norme 6 97-Telereglement CFONB (French Organisation for
Banking Standards) - Option A
A French standard procedure that allows a debtor to pay
an amount due to a creditor. The creditor will forward
it to its bank, which will collect the money on the bank
account of the debtor.
52 Urgent commercial payment
Payment order which requires guaranteed processing by
the most appropriate means to ensure it occurs on the
requested execution date, provided that it is issued to
the ordered bank before the agreed cut-off time.
53 Urgent Treasury Payment
Payment order or transfer which must be executed, by the
most appropriate means, as urgently as possible and
before urgent commercial payments.
60 Promissory note
Payment by an unconditional promise in writing made by
one person to another, signed by the maker, engaging to
pay on demand or at a fixed or determinable future time
a sum certain in money, to order or to bearer.
61 Promissory note signed by the debtor
Payment by an unconditional promise in writing made by
the debtor to another person, signed by the debtor,
engaging to pay on demand or at a fixed or determinable
future time a sum certain in money, to order or to
bearer.
62 Promissory note signed by the debtor and endorsed by a bank
Payment by an unconditional promise in writing made by
the debtor to another person, signed by the debtor and
endorsed by a bank, engaging to pay on demand or at a
fixed or determinable future time a sum certain in
money, to order or to bearer.
63 Promissory note signed by the debtor and endorsed by a
third party
Payment by an unconditional promise in writing made by
the debtor to another person, signed by the debtor and
endorsed by a third party, engaging to pay on demand or
at a fixed or determinable future time a sum certain in
money, to order or to bearer.
64 Promissory note signed by a bank
Payment by an unconditional promise in writing made by
the bank to another person, signed by the bank, engaging
to pay on demand or at a fixed or determinable future
time a sum certain in money, to order or to bearer.
65 Promissory note signed by a bank and endorsed by another
bank
Payment by an unconditional promise in writing made by
the bank to another person, signed by the bank and
endorsed by another bank, engaging to pay on demand or
at a fixed or determinable future time a sum certain in
money, to order or to bearer.
66 Promissory note signed by a third party
Payment by an unconditional promise in writing made by a
third party to another person, signed by the third
party, engaging to pay on demand or at a fixed or
determinable future time a sum certain in money, to
order or to bearer.
67 Promissory note signed by a third party and endorsed by a
bank
Payment by an unconditional promise in writing made by a
third party to another person, signed by the third party
and endorsed by a bank, engaging to pay on demand or at
a fixed or determinable future time a sum certain in
money, to order or to bearer.
70 Bill drawn by the creditor on the debtor
Bill drawn by the creditor on the debtor.
74 Bill drawn by the creditor on a bank
Bill drawn by the creditor on a bank.
75 Bill drawn by the creditor, endorsed by another bank
Bill drawn by the creditor, endorsed by another bank.
76 Bill drawn by the creditor on a bank and endorsed by a
third party
Bill drawn by the creditor on a bank and endorsed by a
third party.
77 Bill drawn by the creditor on a third party
Bill drawn by the creditor on a third party.
78 Bill drawn by creditor on third party, accepted and
endorsed by bank
Bill drawn by creditor on third party, accepted and
endorsed by bank.
91 Not transferable banker's draft
Issue a bankers draft not endorsable.
92 Not transferable local cheque
Issue a cheque not endorsable in payment of the funds.
93 Reference giro
Ordering customer tells the bank to use the payment
system 'Reference giro'. Used in the Finnish national
banking system.
94 Urgent giro
Ordering customer tells the bank to use the bank service
'Urgent Giro' when transferring the payment. Used in
Finnish national banking system.
95 Free format giro
Ordering customer tells the ordering bank to use the
bank service 'Free Format Giro' when transferring the
payment. Used in Finnish national banking system.
96 Requested method for payment was not used
If the requested method for payment was or could not be
used, this code indicates that.
97 Clearing between partners
Amounts which two partners owe to each other to be
compensated in order to avoid useless payments.
ZZZ Mutually defined
A code assigned within a code list to be used on an
interim basis and as defined among trading partners
until a precise code can be assigned to the code list.
Data Element Cross Reference
DataElement 4461 is used in the following Batch Composite Elements:
C534
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