0.    INTRODUCTION

       This specification provides the definition of the Extended
       payment order message (PAYEXT) to be used in Electronic Data
       Interchange (EDI) between trading partners involved in
       administration, commerce and transport.

1.    SCOPE

1.1   Functional Definition

       An Extended Payment Order is sent by the Ordering Customer (or
       Payor or Agent on behalf of the Ordering Customer) to the
       Ordered Bank, to instruct the Ordered Bank to debit an account
       it services for the Ordering Customer, and to arrange for the
       payment of a specified amount to the Beneficiary (or Payee or
       Agent in favour of Beneficiary) in settlement of the referenced
       business transaction(s), and to provide to the Payee full
       details of the transactions to which the Extended Payment Order
       relates.
       
       Throughout this document, the term 'Ordering Customer' refers
       to either an Ordering Customer, or a Payor or Agent acting on
       behalf of the Ordering Customer; likewise the term
       'Beneficiary' refers to either a Beneficiary, or a Payee or
       Agent acting on behalf of the Beneficiary.

1.2   Field of Application

       This message may be applied for both national and international
       settlements. It is based on universal practice and is not
       dependent on the type of business or industry.

1.3   Principles

       An Extended Payment Order may cover the financial settlement of
       one or more commercial trade transactions, such as invoices,
       credit notes, debit notes, etc. It is not intended for use in
       securities trading.
       
       The Ordered Bank may need a confirmation/ authorization to be
       able to process the Extended Payment Order Message.

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.

0010 | UNH, Message header
       A service segment starting and uniquely identifying a message.
       The message type code for the Extended payment order message is
       PAYEXT.
       
       Note: Extended payment order messages conforming to this
       document must contain the following data in segment UNH,
       composite S009:

       Data element  0065 PAYEXT
                     0052 D
                     0054 95B
                     0051 UN

0020   BGM, Beginning of message
       A segment for unique identification of the Extended Payment
       Order, the type of Extended Payment Order and its function. The
       requirement for a response, e.g., related debit advice, may be
       indicated.
       
       Note: The identification will be passed back to the Ordering
       Customer for reconciliation purposes; it would be used in the
       case of a cancellation or confirmation of an Extended Payment
       Order.

0030   BUS, Business function
       A segment identifying certain characteristics of the Extended
       Payment Order, 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.

0040   PAI, Payment instructions
       A segment specifying the conditions, guarantee, method and
       channel of payment for the Extended Payment Order.

0050   FCA, Financial charges allocation
       A segment specifying the method for allocation of charges and
       allowances (e.g., charges borne by the Ordering Customer, the
       Beneficiary or both), and identifying the Ordering Customers's
       account to which such charges or allowances should be directed
       where it is different from the principal account.

0060   DTM, Date/time/period
       A segment specifying the date and, when required, the time at
       which the message has been created as well as other dates and
       times relevant to the financial transaction.


0070   Segment group 1: RFF-DTM
       A group of segments identifying a previously-sent message.

0080      RFF, Reference
          A segment identifying a previously-sent message.

0090      DTM, Date/time/period
          A segment identifying the date/time of the previously-sent
          message.


0100   Segment group 2: MOA-CUX-DTM-RFF
       A group of segments identifying the monetary amount and, if
       necessary, the currencies, exchange rate and date for that
       payment.

0110      MOA, Monetary amount
          A segment giving the amount value of the payment.

0120      CUX, Currencies
          A segment identifying the reference currency and the target
          currency of the transaction when they are different. The
          rate of exchange is solely used when previously agreed
          between the Ordering Customer and the Ordered Bank.

0130      DTM, Date/time/period
          A segment identifying the effective date and/or time the
          rate of exchange was fixed.

0140      RFF, Reference
          A segment identifying other transactions to which funds
          associated with the Extended Payment Order are related, such
          as a separate foreign exchange deal.


0150   Segment group 3: FII-CTA-COM
       A group of segments providing information about the financial
       institutions and accounts related to the Extended Payment
       Order, together with details of any parties to be contacted in
       relation to the transaction.

0160      FII, Financial institution information
          A segment identifying the financial institution (e.g., bank)
          and relevant account number and currency for each party
          involved in the transaction. The Ordering Customer may
          indicate the previously agreed choice of financial
          institution for payment.

0170      CTA, Contact information
          A segment identifying a person or a department for the
          financial institution specified in the FII segment and to
          whom communication should be directed.

0180      COM, Communication contact
          A segment providing a communication number for the party
          identified in the FII segment and optionally for the contact
          identified in the associated CTA segment.


0190   Segment group 4: NAD-CTA-COM
       A group of segments identifying the name and address of the
       non-financial institutions involved in the transaction and
       their contacts.

0200      NAD, Name and address
          A segment identifying the name and address of the
          non-financial institutions associated with the Extended
          Payment Order and their functions.

0210      CTA, Contact information
          A segment identifying a person or a department for the party
          specified in the NAD segment and to whom communication
          should be directed.

0220      COM, Communication contact
          A segment providing a communication number for the party
          identified in the NAD segment and optionally for the contact
          identified in the associated CTA segment.


0230   Segment group 5: INP-FTX-DTM
       A group of segments containing instructions from the Ordering
       Customer 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.

0240      INP, Parties to instruction
          A segment identifying the party originating the instruction
          and the parties to be contacted at or by the associated
          financial institution on matters concerning the execution of
          the payment. It specifies where appropriate the instruction
          in coded form.

0250      FTX, Free text
          A segment providing free text instruction relating to the
          associated INP segment.

0260      DTM, Date/time/period
          A segment specifying the earliest and the latest dates and
          times by which the instruction specified in the INP and FTX
          segments needs to be carried out.


0270   Segment group 6: 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.

0280      GIS, General indicator
          A segment identifying what processing should be completed
          for regulatory authorities.

0290      MOA, Monetary amount
          A segment giving the amount and the currency of each
          transaction to be reported.

0300      LOC, Place/location identification
          A segment giving the different origins/destinations (places)
          of goods/investment/services.

0310      NAD, Name and address
          A segment identifying the recipient of the associated
          informative text.

0320      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.

0330      FTX, Free text
          A segment giving information, in coded or clear form, to
          provide information relevant to regulatory authorities
          requirements.


0340   Segment group 7: PRC-FTX-SG8-SG14
       A group of segments giving information in free or in coded form
       about the purpose of the payment from the ordering customer to
       the beneficiary.

0350      PRC, Process identification
          A segment identifying the kind of process at the
          beneficiary's side.

0360      FTX, Free text
          A segment in clear form to provide information from the
          ordering customer to the beneficiary.


0370      Segment group 8: DOC-MOA-DTM-RFF-NAD-SG9-SG10-SG11
          A group of segments providing details of all documents,
          e.g., invoices, statements, despatch advices, etc..., to
          which the Extended Payment Order 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.

0380         DOC, Document/message details
             A segment identifying the reference document against
             which payment is being made.

0390         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.

0400         DTM, Date/time/period
             A segment specifying the date of the referenced document
             and indicating any other relevant dates applicable.

0410         RFF, Reference
             A segment for the inclusion of any additional references
             related to the reference document.

0420         NAD, Name and address
             A segment identifying a party name and address, either by
             coded identification or in a clear form.


0430         Segment group 9: 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.

0440            CUX, Currencies
                A segment identifying the currency and associated
                exchange rate of the referenced document where
                different to the remittance currency.

0450            DTM, Date/time/period
                A segment specifying the date/time/period related to
                the rate of exchange.


0460         Segment group 10:AJT-MOA-RFF-FTX
             A group of segments indicating adjustment amounts and
             their referenced documents.

0470            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.

0480            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.

0490            RFF, Reference
                A segment for the inclusion of any additional
                references related to the reference document.

0500            FTX, Free text
                A segment providing free text information related to
                the payment details.


0510         Segment group 11:DLI-MOA-PIA-DTM-SG12-SG13
             A group of segments which may be used when required to
             provide details of individual line items in the reference
             document.

0520            DLI, Document line identification
                A segment identifying a specific line item within the
                referenced document.

0530            MOA, Monetary amount
                A segment giving the monetary amounts for this line
                item.

0540            PIA, Additional product id
                A segment specifying item identification codes where
                required.

0550            DTM, Date/time/period
                A segment specifying the date/time/period related to
                the line item.


0560            Segment group 12:CUX-DTM
                A group of segments identifying the currency and the
                related dates/periods of the line item where different
                to the remittance and document currency.

0570               CUX, Currencies
                   A segment identifying the currency and associated
                   exchange rate of the line item, where different to
                   the reference and target currency.

0580               DTM, Date/time/period
                   A segment specifying the effective date and/or time
                   the rate of exchange was fixed.


0590            Segment group 13:AJT-MOA-RFF-FTX
                A group of segments indicating adjustment amounts and
                their referenced documents for this line item.

0600               AJT, Adjustment details
                   A segment indicating any adjustments to the amounts
                   originally specified for this line item and the
                   reason for the adjustments.

0610               MOA, Monetary amount
                   A segment giving the monetary amounts of the
                   adjustment for this line item.

0620               RFF, Reference
                   A segment for the inclusion of any additional
                   references related to the reference document.

0630               FTX, Free text
                   A segment providing free text information related
                   to the payment details.


0640      Segment group 14:GIS-MOA
          A group of segments indicating the end of the details of
          payment and specifying hash total amounts for control
          purposes.

0650         GIS, General indicator
             A segment specifying the end of the detail of payment.

0660         MOA, Monetary amount
             A segment indicating total amounts for control purposes.


0670   Segment group 15:AUT-DTM
       A group of segments specifying the details of authentication.

0680      AUT, Authentication result
          A segment specifying the details of any authentication
          (validation) procedure applied to the Extended Payment Order
          message.

0690      DTM, Date/time/period
          A segment identifying the date and, where necessary, the
          time of validation.

0700   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
          COM Communication contact
          CTA Contact information
          CUX Currencies
          DLI Document line identification
          DOC Document/message details
          DTM Date/time/period
          FCA Financial charges allocation
          FII Financial institution information
          FTX Free text
          GIS General indicator
          INP Parties to instruction
          LOC Place/location identification
          MOA Monetary amount
          NAD Name and address
          PAI Payment instructions
          PIA Additional product id
          PRC Process identification
          RCS Requirements and conditions
          RFF Reference
          UNH Message header
          UNT Message trailer

Contents of D.95B