0.    INTRODUCTION

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

1.    SCOPE

1.1   Functional Definition

       A Multiple 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 specified amounts to several Beneficiaries (or
       Payees) in settlement of the referenced business
       transaction(s).
       
       Throughout this document, the term 'Ordering Customer' refers
       to either an Ordering Customer, or a Payor or Agent acting
       (sending) 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

       - A Multiple 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.
       
       - Charges may be borne on account(s) different of the
       account(s) held by the Ordering Customer.
       
       - Several debit accounts, execution dates and currencies may be
       specified.
       
       - The Ordered Bank may need a confirmation/authorization (e.g.
       AUTHOR message) to be allowed to process the Multiple Payment
       Order message.
       
       - The only way to modify a Multiple Payment Order message is to
       cancel the whole message or part 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.

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 Multiple Payment Order message is structured in three
       levels:
       
       A,B, and C. In the Branching Diagram, level A corresponds to
       page 1, level B corresponds to page 2, and level C corresponds
       to pages 
       3 and 4.
       
       -A level contains data related to the whole message and is
       contained in Segment Group 1 and Segment Group 2 and the
       Heading section.
       
       -B level contains data from the debit side (one debit account,
       one currency, one execution date) and data which applies to all
       further details of C level(s) and is contained in Segment Group
       3 through Segment Group 9.
       
       -C level contains mainly data related to the credit side, and
       this data is considered as unique for each payment transaction
       and is contained in Segment Group 10 through Segment Group 21.
       
       - The structure of the message is designed to allow several B
       levels, each B level being followed by its related C levels.
       
       Where a choice of code or text is given only the code element
       should be used wherever possible.

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

       Data element  0065 PAYMUL
                     0052 D
                     0054 95B
                     0051 UN

0020   BGM, Beginning of message
       A segment by means of which the sender must uniquely identify
       the PAYMUL message using its type and number and when necessary
       its function.
       
       Note: The identification will be passed back to the ordering
       customer for reconciliation purposes, if a reference is not
       quoted in the B- level.

0030   DTM, Date/time/period
       A segment specifying the date and if required the time when the
       message is created.

0040   BUS, Business function
       A segment providing information to the ordered bank to route
       the message, or for tariffing or for the provision of some
       statistical information.


0050   Segment group 1: RFF-DTM
       A group of segments identifying any previously sent message.

0060      RFF, Reference
          A segment specifying the reference number of another
          message.

0070      DTM, Date/time/period
          A segment identifying the creation date of the referenced
          message.


0080   Segment group 2: FII-CTA-COM
       A group of segments identifying the financial institutions 
       involved in the multiple payment order and the routing
       functions with their contacts.

0090      FII, Financial institution information
          A segment identifying the financial institutions associated
          with the transaction in coded or uncoded form and their
          function.

0100      CTA, Contact information
          A segment identifying a person or department for the party
          specified in the leading FII segment and to whom
          communication should be directed.

0110      COM, Communication contact
          A segment providing 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 ordering party, which is
       valid for all payment orders.

0130      NAD, Name and address
          Name and address for the ordering customer.

0140      CTA, Contact information
          A segment identifying a portion or a department for the
          party specified in the leading NAD segment 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
       This segment group contains information regarding the debit
       side of this transaction and details which are pertinent to all
       payments specified in the message. 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 line item by a current line
          number.

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 the reference of the single debit
          amount on the debit side of the Transaction (B level).
          
          Note: The identification will be passed back to the Ordering
          Customer for reconciliation purposes.

0200      BUS, Business function
          A segment identifying certain characteristics of the payment
          orders stored on level C, such as business function.

0210      FCA, Financial charges allocation
          A segment specifying the method for allocation of charges
          and allowances (e.g. charges to be borne by the ordering
          customer), and identifying the ordering customer'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 may be overridden at detail
          level.


0220      Segment group 5: MOA-CUX-DTM-RFF
          A group of segments containing the currency of the single
          amounts in level C, currency to be transferred, plus the
          total of all single amounts of level C.

0230         MOA, Monetary amount
             A segment specifying the total amount and the currency to
             be transferred.

0240         CUX, Currencies
             A segment specifying the source currency and the
             destination 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.

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 the deal between ordered bank and
             ordering customer.


0270      Segment group 6: FII-CTA-COM
          A group of segments containing the account servicing bank
          including the account to be debited. If the ordering party
          is not quoted separately in the NAD-segment on level-B or
          level-A, then this group also contains the information of
          the ordering party.

0280         FII, Financial institution information
             A segment identifying the financial institution and
             relevant account number with the currency.

0290         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.

0300         COM, Communication contact
             A segment providing a communication number for the party
             identified in the FII segment.


0310      Segment group 7: NAD-CTA-COM
          A group of segments identifying the ordering party mutually
          exclusive with NAD-segment on level-A for the ordering party
          (Ordering customer and payor). Furthermore, one contact
          party can also be quoted in this group.

0320         NAD, Name and address
             A segment identifying the name and address of the non-
             financial institutions associated with the PAYMUL.

0330         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.

0340         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.


0350      Segment group 8: 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.

0360         INP, Parties to instruction
             A segment identifying the party originating 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 the latest dates
             and 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
             by 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
             recorded 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 - mutually exclusive with level -C-
          containing the details of payment, which are determined for
          all payments on level C.

0470         PRC, Process identification
             A segment identifying the kind of free text following
             this segment.

0480         FTX, Free text
             A segment for information in coded or in clear form to
             provide information from the ordering customer to the
             beneficiary.


0490      Segment group 11:SEQ-MOA-DTM-RFF-PAI-FCA-SG12-SG13-SG14-
                            SG15-SG16
          This segment group contains information regarding the
          Beneficiaries of the payments. 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 credit 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 value of the payment. It is
             the amount to be transferred. The currency is quoted on
             the debit side of the transaction (level B).

0520         DTM, Date/time/period
             A segment identifying date(s)/time(s) related to the
             beneficiary's side.

0530         RFF, Reference
             A segment identifying a transaction from the ordering
             customer to the beneficiary and/or from the ordering
             customer to the ordered bank.

0540         PAI, Payment instructions
             A segment specifying the conditions, method and channel
             of payment for the payment order.

0550         FCA, Financial charges allocation
             A segment specifying the method for allocation of charges
             and allowances and identifying the ordering customer's
             account to which such charges or allowances should be
             directed where it is different from the principal amount.
             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 beneficiary'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 with the currency.

0580            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.

0590            COM, Communication contact
                A segment providing a communication number for the
                party identified in the FII Segment and optionally for
                the intermediary banks.


0600         Segment group 13:NAD-CTA-COM
             A group of segments identifying the name and address of
             the beneficiary and one contact party.

0610            NAD, Name and address
                A segment identifying the name and address of the non-
                financial institutions associated with the payment on
                the beneficiary's side.

0620            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.

0630            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.


0640         Segment group 14: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.

0650            INP, Parties to instruction
                A segment identifying the party originating 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 the latest dates
                and 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 by 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 the recipient of 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
                recorded 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 payment.
             The content of these segments is passed through the
             banking chain from the ordering customer to the
             beneficiary.

0760            PRC, Process identification
                A segment identifying the kind of payment details.

0770            FTX, Free text
                A segment providing free text instruction relating to
                the payment 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 Multiple 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.

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 referenced 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 identifying the currency and
                      the related dates/periods of the line item where
                      different to the remittance and document
                      currency.

0980                     CUX, Currencies
                         A segment identifying the currency and
                         associated exchange rate of the line item,
                         where different to the reference and target
                         currency.

0990                     DTM, Date/time/period
                         A segment specifying the effective date
                         and/or time the rate of exchange was fixed.


1000                  Segment group 22:AJT-MOA-RFF-FTX
                      A group of segments indicating adjustment
                      amounts and their referenced documents for this
                      line item.

1010                     AJT, Adjustment details
                         A segment indicating any adjustments to the
                         amounts originally specified for this line
                         item and the reason for the adjustments.

1020                     MOA, Monetary amount
                         A segment giving the monetary amounts of the
                         adjustment for this line item.

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 identifying the kind of control-checks for the
       payment orders contained in the PAYMUL and identifying the
       totals according to the coded form.


1090   Segment group 24:AUT-DTM
       A group of segments specifying the details of any
       authentication (validation) procedure applied to the PAYMUL
       message.

1100      AUT, Authentication result
          A segment specifying details of any authentication
          (validation) procedures applied to the PAYMUL 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
          CNT Control total
          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
          LIN Line item
          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
          SEQ Sequence details
          UNH Message header
          UNT Message trailer

Contents of D.95B