0. INTRODUCTION
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.
1. SCOPE
1.1 | Functional Definition
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.
1.2 | Field of Application
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.
1.3 | Principles
- 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.
2. REFERENCES
See UNTDID, Part 4, Chapter 2.6 UN/ECE UNSM - General Introduction,
Section 1.
3. TERMS AND DEFINITIONS
See UNTDID, Part 4, Chapter 2.6 UN/ECE UNSM - General Introduction,
Section 2.
4. MESSAGE DEFINITION
4.1 | Data Segment Clarification
This section should be read in conjunction with the Branching
Diagram and the Segment Table which indicate 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:
Data element 0065 DIRDEB
0052 D
0054 95A
0051 UN
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 occurence
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 to 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: GIS-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 + GIS, General indicator
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-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 + RFF, Reference
A segment identifying a transaction from the creditor to
the debtor and/or from the creditor to the creditor's
bank.
0540 + PAI, Payment instructions
A segment specifying the conditions, method and channel
of payment for the direct debit.
0550 + 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.
0560 + 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.
0570 + FII, Financial institution information
A segment identifying the financial institution and
relevant account number associated with the
transaction, and their functions.
0580 + 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.
0590 + COM, Communication contact
A segment identifying communication type(s) and
number(s) of person(s) or department(s) specified in
the associated CTA segment.
0600 + Segment group 13:NAD-CTA-COM
A group of segments identifying the name and address of
the debtor and one contact party.
0610 + 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 .
0620 + 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.
0630 + COM, Communication contact
A segment identifying communication type(s) and
number(s) of person(s) or department(s) specified in
the associated CTA segment.
0640 + 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.
0650 + INP, Parties to 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.
0660 + FTX, Free text
A segment providing free text instruction relating to
the associated INP segment.
0670 + 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.
0680 + Segment group 15:GIS-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.
0690 + GIS, General indicator
A segment identifying what processing should be
completed for regulatory authorities.
0700 + MOA, Monetary amount
A segment giving the amount and the currency of each
transaction to be reported.
0710 + LOC, Place/location identification
A segment giving the different origins/destinations
(places) of goods/investment/services.
0720 + NAD, Name and address
A segment identifying a party related to the
associated informative text.
0730 + 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.
0740 + FTX, Free text
A segment giving information in coded or in clear form
to provide information relevant to regulatory
authorities requirements.
0750 + 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.
0760 + PRC, Process identification
A segment identifying the kind of processing at the
debtor's side.
0770 + FTX, Free text
A segment providing free text instruction(s) relating
to the direct debit details.
0780 | 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.
0790 | DOC, Document/message details
A segment identifying the reference document
against which payment is being made.
0800 | 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.
0810 DTM, Date/time/period
A segment specifying the date of the referenced
document and indicating any other relevant dates
applicable.
0820 RFF, Reference
A segment for the inclusion of any additional
references related to the reference document.
0830 NAD, Name and address
A segment identifying a party name and address,
either by coded identification or in a clear form.
0840 | 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.
0850 CUX, Currencies
A segment identifying the currency and
associated exchange rate of the referenced
document where different to the remittance
currency.
0860 DTM, Date/time/period
A segment specifying the date/time/period
related to the rate of exchange.
0870 | Segment group 19:AJT-MOA-RFF-FTX
A group of segments indicating adjustment amounts
and their referenced documents.
0880 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.
0890 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.
0900 RFF, Reference
A segment for the inclusion of any additional
references related to the reference documents.
0910 + FTX, Free text
A segment providing free text information
related to the payment details.
0920 | 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.
0930 DLI, Document line identification
A segment identifying a specific line item
within the reference document.
0940 MOA, Monetary amount
A segment giving the monetary amounts for this
line item.
0950 PIA, Additional product id
A segment specifying item identification codes
where required.
0960 DTM, Date/time/period
A segment specifying the date/time/period
related to the line item.
0970 | 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.
0980 | CUX, Currencies
A segment identifying the currency and
associated exchange rate of the referenced
document where different to the remittance
currency.
0990 | DTM, Date/time/period
A segment specifying the date/time/period
related to the rate of exchange.
1000 | Segment group 22:AJT-MOA-RFF-FTX
A group of segments indicating adjustment
amounts and their reference documents.
1010 | 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.
1020 | 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.
1030 RFF, Reference
A segment for the inclusion of any additional
references related to the reference document.
1040 + FTX, Free text
A segment providing free text information
related to the payment details.
1050 * Segment group 23:GIS-MOA
A group of segments indicating the end of the details
of payment and specifying hash total amounts for
control purposes.
1060 GIS, General indicator
A segment identifying the end of the details of
payment.
1070 + MOA, Monetary amount
A segment indicating total amounts for control
purposes.
1080 + CNT, Control total
A segment providing information on control totals.
1090 | Segment group 24:AUT-DTM
A group of segments specifying details of any authentication
(validation) procedures applied to the DIRDEB message.
1100 AUT, Authentication result
A segment specifying the details of any authentication
(validation) procedures applied to the DIRDEB message.
1110 | DTM, Date/time/period
A segment identifying the validation date/time.
1120 UNT, Message trailer
A service segment ending a message, giving the total number of
segments in the message and the control reference number of the
message.
4.2 Data segment index (Alphabetical sequence by tag)
AJT Adjustment details
AUT Authentication result
BGM Beginning of message
+ BUS Business function
BUS Business function
+ CNT Control total
COM Communication contact
+ COM Communication contact
CTA Contact information
+ CTA Contact information
CUX Currencies
+ CUX Currencies
CUX Currencies
DLI Document line identification
DOC Document/message details
DTM Date/time/period
DTM Date/time/period
+ DTM Date/time/period
DTM Date/time/period
+ FCA Financial charges allocation
FCA Financial charges allocation
FII Financial institution information
+ FII Financial institution information
FTX Free text
+ FTX Free text
FTX Free text
GIS General indicator
+ GIS General indicator
INP Parties to instruction
+ INP Parties to instruction
+ LIN Line item
+ LOC Place/location identification
MOA Monetary amount
+ MOA Monetary amount
MOA Monetary amount
NAD Name and address
+ NAD Name and address
NAD Name and address
+ PAI Payment instructions
PAI Payment instructions
PIA Additional product id
+ PRC Process identification
+ RCS Requirements and conditions
RFF Reference
+ RFF Reference
RFF Reference
+ SEQ Sequence details
UNH Message header
UNS Section control
UNT Message trailer
Contents of DIRDEB