0. INTRODUCTION
1. SCOPE
   1. Functional definition
   2. Field of application
   3. Principles
2. REFERENCES
3. TERMS AND DEFINITIONS
4. MESSAGE DEFINITION
   1. Data segment clarification
      1. Header section
      2. Detail section
      3. Summary section
   2. Data segment index (alphabetical sequence)
   3. Message structure
      1. Segment table

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.

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 amounts from the Debtor(s) and to credit these amounts to a single account it 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.

This message type 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.

• A Direct Debit 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.
• Only one single account is to be credited and debited.

Charges might however be borne on another account by the

parties involved.

• Several due dates (i.e., Debtor's Bank requested execution dates) may be specified.
• The Creditor's Bank may need a confirmation/authorization from the creditor to be able to process the Direct Debit Message.
• Pre-authorised and non pre-authorised direct debits shall not be mixed within the same Message.
• Pre-authorised means: by the debtor to his bank or by the debtor to the creditor directly.

See UNTDID, Part 4, Chapter 2.6 UN/ECE UNSM - General Introduction, Section 1.

See UNTDID, Part 4, Chapter 2.6 UN/ECE UNSM - General Introduction, Section 2.

This section should be read in conjunction with the Branching Diagram and the Segment Table which indicate mandatory, conditional and repeating requirements.

Information to be provided in the Header section:

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:

0020 BGM, Beginning of message

A segment uniquely identifying the Direct Debit, the type of Direct Debit (e.g., kind of pre-authorised instructions or not pre- authorised) 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 he Debtor for reconciliation purposes; it would also be used in the case of confirmation. The cancellation will be made by another message type (FINCAN).

0030 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.

0040 RFF, Reference

A segment identifying the reference of another message or transaction related to this message. A code can also identify an agreement between debtor and creditor.

0050 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.

0060 FTX, Free text

A segment giving information in coded or clear form to provide supplementary information relating to the DIRDEB order from the creditor to the debtor-party.

0070 PAI, Payment instructions

A segment specifying the conditions, method and channel of payment for the DIRDEB Order.

0080 FCA, Financial charges allocation

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

0090 Segment Group 1: MOA-CUX-DTM-RFF

A group of segments identifying the monetary amount and, if necessary, the currencies, exchange rate and date.

0100 MOA, Monetary amount

A segment giving the amount, value and currency of the direct debit, which should be debited to the debtor.

0110 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 creditor and his bank.

0120 DTM, Date/time/period

A segment identifying the effective date and/or time the rate of exchange was fixed.

0130 RFF, Reference

A segment identifying the reference to a separate foreign exchange deal.

0140 Segment Group 2: FII-CTA-COM

A group of segments providing information about the financial institutions and accounts related to the DIRDEB, together with details of any parties to be contacted in relation to the transaction.

0150 FII, Financial institution information

A segment identifying the financial institution (e.g., bank) and relevant account numbers and currency of these for each party involved in the transaction. The creditor has to indicate the previously agreed choice of debtor's financial institution.

0160 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.

0170 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.

0180 Segment Group 3: NAD-CTA-COM

A group of segments identifying the name and address of the debtor and creditor involved in the transaction and their contacts.

0190 NAD, Name and address

A segment identifying the name and address of the non-financial institutions associated with the direct debit and their functions.

0200 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.

0210 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.

0220 Segment Group 4: INP-FTX-DTM

A group of segments containing instructions from the Creditor relating to parties identified in the NAD and FII segments, both on the Debtor side and on the Creditor side. It specifies action to be taken by the identified parties, and the date (and optionally time) by which such action needs to be taken.

0230 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 DIRDEB. It specifies where appropriate the instruction in coded form.

0240 FTX, Free text

A segment providing free text instruction relating to the associated INP segment.

0250 DTM, Date/time/period

A segment specifying the earliest and the latest dates by which the instruction specified in the INP segment needs to be carried out.

Information to be provided in the Detail section:

0260 Segment group 5: DOC-MOA-DTM-RFF-NAD-SG6-SG7-SG8 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.

0270 DOC, Document/message details

A segment identifying the reference document against which payment s being made.

0280 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.

0290 DTM, Date/time/period

A segment specifying the date of the referenced document and indicating any other relevant dates applicable.

0300 RFF, Reference

A segment for the inclusion of any additional references related to the reference document.

0310 NAD, Name and address

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

0320 Segment Group 6: 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.

0330 CUX, Currencies

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

0340 DTM, Date/time/period

A segment specifying the date/time/period related to the rate of exchange.

0350 Segment Group 7: AJT-MOA-RFF

A group of segments indicating adjustment amounts and their referenced documents.

0360 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.

0370 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.

0380 RFF, Reference

A segment for the inclusion of any additional references related to the reference document.

0390 Segment Group 8: DLI-MOA-PIA-DTM-SG9-SG10

A group of segments which may be used when required to provide details of individual line items in the reference document.

0400 DLI, Document line identification

A segment identifying a specific line item within the referenced document.

0410 MOA, Monetary amount

A segment giving the monetary amounts for this line item.

0420 PIA, Additional product id

A segment specifying item identification codes where required.

0430 DTM, Date/time/period

A segment specifying the date/time/period related to the line item.

0440 Segment Group 9: 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.

0450 CUX, Currencies

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

0460 DTM, Date/time/period

A segment specifying the effective date and/or time the rate of exchange was fixed.

0470 Segment Group 10: AJT-MOA-RFF

A group of segments indicating adjustment amounts and their referenced documents for this line item.

0480 AJT, Adjustment details

A segment indicating any adjustments to the amounts originally specified for this line item and the reason for the adjustments.

0490 MOA, Monetary amount

A segment giving the monetary amount of the adjustment for this line item.

0500 RFF, Reference

A segment for the inclusion of any additional references related to the reference document.

Information to be provided in the Summary section:

0510 UNS, Section control

A service segment placed at the start of the summary section to avoid segment collision.

0520 MOA, Monetary amount

A segment giving a summary of various amounts, for information to the debtor.

0530 Segment Group 11: GIS-NAD-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.

0540 GIS, General indicator

A segment identifying what processing should be completed by regulatory authorities.

0550 NAD, Name and address

A segment identifying the recipient or the debtor, if different of the FII/NAD of the associated informative text.

0560 FTX, Free text

A segment giving information in coded or clear form to provide information relevant to regulatory authorities requirements.

0570 Segment Group 12: AUT-DTM

A group of segments specifying the details of authentication.

0580 AUT, Authentication result

A segment specifying the details of any authentication (validation) procedure applied to the Direct Debit message.

0590 DTM, Date/time/period

A segment identifying the date and, where necessary, the time of validation.

0600 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.