0. INTRODUCTION
1. SCOPE
   1. Functional definition
   2. Field of application
   3. Principles
2. REFERENCES
3. TERMS AND DEFINITIONS
   1. Standard terms and definitions
4. MESSAGE DEFINITION
   1. Segment clarification
   2. Segment index (alphabetical sequence by tag)
   3. Message structure
      1. Segment table

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

A Multiple interbank funds transfer message is sent between financial institutions to request the transfer of funds in settlement of the referenced business transaction(s).

The FINPAY message may be exchanged directly between financial institutions or through a clearing system.

Depending on the account relationship between the financial institutions, the FINPAY may be used as a payment order and/or as a credit advice.

The FINPAY may also be used for collections, documentary credits, direct debits and other financial institution related transfers.

The Multiple interbank funds transfer message may be used for both national and international applications. It is based on universal practice related to administration, commerce and transport, and is not dependent on the type of business or industry.

• A Multiple interbank funds transfer message may cover several funds transfer instructions.
• However, one FINPAY message must cover either credit transfers or debit transfers, i.e., these two functions must not be mixed in the same message.
• The only way to modify a Multiple interbank funds transfer message is to cancel the whole message or part thereof (e.g., by using the FINCAN - Financial Cancellation message). In that respect, one to many transaction(s) could be cancelled within the message, avoiding the need to cancel the whole message.

See UNTDID, Part 4, Chapter 2.3 UN/ECE UNSM - General Introduction, Section 1.

See UNTDID, Part 4, Chapter 2.3 UN/ECE UNSM - General Introduction, Section 2.

This section should be read in conjunction with the segment table which indicates mandatory, conditional and repeating requirements.

The following semantic principles applying to the message are intended to facilitate the understanding of the message:

The Multiple interbank funds transfer 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, 31 and 32.
• Level B contains information needed to effect the funds transfer, such as the total amount to be transferred, the value date, the currency, the charges allocation, and data which applies to all the dependent C levels and is contained in Segment Group 3 through Segment Group 11.
• Level C contains data specific to the individual transactions and may contain remittance information. This data is considered as unique for each transaction and is contained in Segment Group 12 through Segment Group 30.

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 Multiple interbank funds transfer message is FINPAY.

Note: Multiple interbank funds transfer messages conforming to this document must contain the following data in segment UNH, composite S009:

0020 BGM, Beginning of message

A segment by means of which the sender must uniquely identify the FINPAY message using its type and number and when necessary its function.

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 identifying certain characteristics of the Multiple interbank funds transfer message, such as the type of transaction and/or bank operation, and used for routing purposes.

0050 Segment Group 1: RFF-DTM

A group of segments identifying a previously-sent FINPAY.

0060 RFF, Reference

A segment specifying the reference of the previously-sent FINPAY.

0070 DTM, Date/time/period

A segment specifying 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 interbank funds transfer message 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 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: LIN-BUS-DTM-SG4-SG5-SG6-SG7-SG10-SG11-SG12

A group of segments containing general information about the transaction, such as the total amount to be transferred. It also contains details which pertain to all individual payments specified within the group.

0130 LIN, Line item

A segment identifying the beginning of the general information related to the transaction (B level) by a sequential line number, which may also be used for reconciliation purposes.

0140 BUS, Business function

A segment identifying characteristics of the type(s) of transaction(s) contained in level C.

0150 DTM, Date/time/period

A segment identifying the posting date and/or value date and/or the requested execution date.

0160 Segment Group 4: FII-CTA-COM

A group of segments specifying the account relationship(s) and providing information pertaining to the routing of the funds.

0170 FII, Financial institution information

A segment identifying the account relationship between the sending and receiving financial institution.

0180 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.

0190 COM, Communication contact

A segment identifying communication type(s) and number(s) of person(s) or department(s) specified in the associated CTA segment.

0200 Segment Group 5: RFF-DTM

A group of segments specifying the reference of the total amount to be transferred.

0210 RFF, Reference

A segment specifying the reference number of the total amount to be transferred. This reference is specific for each total amount contained in each B level.

0220 DTM, Date/time/period

A segment indicating the date and, if required, the time relevant to the preceding reference.

0230 Segment Group 6: MOA-CUX-DTM-RFF

A group of segments containing the total of all the amounts of the subsequent C levels to be transferred. It may also specify the currency, the foreign exchange details, as well as any other relevant amounts.

0240 MOA, Monetary amount

A segment containing the total of all subsequent individual amounts to be transferred as well as, optionally, the currency.

0250 CUX, Currencies

A segment identifying the source currency and the target currency of the amount to be transferred when they are different, and indicating the exchange rate related to the account and amount to be converted.

0260 DTM, Date/time/period

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

0270 RFF, Reference

A segment identifying other transactions to which funds associated with the multiple interbank funds transfer are related, such as a separate foreign exchange deal.

0280 Segment Group 7: FCA-MOA-SG8

A group of segments specifying the method for allocation of charges and allowances and to which account these charges have been directed. It may also contain the total amount of charges and allowances.

0290 FCA, Financial charges allocation

A segment specifying the method for allocation of charges and allowances and identifying the account to which such charges should be directed where it is different from the principal account.

0300 MOA, Monetary amount

A segment containing the total amount of charges and allowances and associated taxes related to a specific account or to the same account as quoted in the preceding FII segment, specifying the account relationship(s). It may also contain the total of individual amounts calculated from a basis amount or the basis amount from which charges and/or allowances are calculated when this is different from the original amount.

0310 Segment Group 8: ALC-PCD-MOA-CUX-DTM-SG9

A group of segments providing details pertaining to all charges and/or allowances. It may also specify any exchange rates related to these charges and/or allowances.

0320 ALC, Allowance or charge

A segment containing any charges and/or allowances which are related to the total amount, calculated from the original amount or from the basis amount.

0330 PCD, Percentage details

A segment specifying the details of the percentage used for calculating the charges and/or allowances.

0340 MOA, Monetary amount

A segment identifying the single amount of charges and/or allowances and specifying the basis amount from which these charges and/or allowances are calculated, when different from the transaction amount.

0350 CUX, Currencies

A segment indicating any exchange rate related to the charges and/or allowances, where relevant.

0360 DTM, Date/time/period

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

0370 Segment Group 9: TAX-MOA-CUX-DTM

A group of segments describing any taxes associated with the charges, their amount, exchange rates and date of exchange rates.

0380 TAX, Duty/tax/fee details

A segment identifying taxes computed to the charges in the preceding segment group.

0390 MOA, Monetary amount

A segment identifying the basis amount from which the tax is calculated, if different from the amount contained in the preceding MOA segment, identifying a single amount of charges and/or allowances.

0400 CUX, Currencies

A segment specifying the rate of exchange related to the tax amount.

0410 DTM, Date/time/period

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

0420 Segment Group 10: INP-FTX-DTM

A group of segments containing instructions and related information from the sender or the receiver of the message to parties involved in the transaction. It specifies action to be taken by the identified parties and the date (and optionally time) by which such action needs to be taken.

0430 INP, Parties and 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.

0440 FTX, Free text

A segment providing free text instructions related to the associated INP segment.

0450 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.

0460 Segment Group 11: GEI-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.

0470 GEI, Processing information

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

0480 MOA, Monetary amount

A segment giving the amount and the currency of each transaction to be reported.

0490 LOC, Place/location identification

A segment giving the different origins and/or destinations (places) of goods and/or investments and/or services.

0500 NAD, Name and address

A segment identifying the recipient of the associated informative text.

0510 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.

0520 FTX, Free text

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

0530 Segment Group 12: SEQ-BUS-DTM-SG13-SG14-SG15-SG16-SG17-SG18-

SG19-SG20-SG23 A group of segments containing information relating to the transactions to be transferred, such as the financial and non-financial institutions involved, payment channel, amounts, dates, instructions. It may also contain remittance information related to the transactions.

0540 SEQ, Sequence details

A segment specifying the sequence number indicating the start of the information related to each individual transaction.

0550 BUS, Business function

A segment providing information relating to the type of transfer and the underlying reason for the transfer.

0560 DTM, Date/time/period

A segment indicating dates, taken from the original payment order and added by the sending financial institution, such as the execution dates, the posting date, the value date, etc.

0570 Segment Group 13: FII-CTA-COM

A group of segments specifying the financial institutions involved in further processing the transaction, as well as any relevant contact names and numbers.

0580 FII, Financial institution information

A segment specifying the financial institutions involved in further processing the transaction.

0590 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.

0600 COM, Communication contact

A segment identifying communication type(s) and number(s) of person(s) or department(s).

0610 Segment Group 14: RFF-DTM

A group of segments specifying reference numbers from the original transfer instruction and additional references added by the financial institutions involved in the transaction.

0620 RFF, Reference

A segment specifying a reference number identifying the entry and/or item from the sending financial institution's perspective.

0630 DTM, Date/time/period

A segment specifying the date and/or time and/or period relevant to the preceding reference number.

0640 Segment Group 15: PAI-FTX

A group of segments containing instructions intended for the financial institutions involved on the receiving side of the transactions and/or for the account owner.

0650 PAI, Payment instructions

A segment specifying the conditions, method and payment channel used to execute the funds transfer.

0660 FTX, Free text

A segment giving additional information pertaining to the funds transfer instructions, in free form.

0670 Segment Group 16: MOA-CUX-DTM-RFF

A group of segments indicating the individual amounts to be transferred. This segment group may also contain the currency, dates and a reference related to the amount.

0680 MOA, Monetary amount

A segment containing the final amount to be transferred. It may also contain the original amount of the transfer instruction and the amount received.

0690 CUX, Currencies

A segment identifying the source currency and the target currency of the amount to be transferred when they are different, and indicating the exchange rate related to the account and amount to be converted.

0700 DTM, Date/time/period

A segment indicating the date and/or time relating to the exchange rate quoted in the preceding CUX segment.

0710 RFF, Reference

A segment specifying the reference of another transaction underlying the transfer being made, such as a foreign exchange transaction.

0720 Segment Group 17: NAD-CTA-COM

A group of segments identifying the names and addresses of non-financial parties involved in the transaction, as well as any contacts and numbers.

0730 NAD, Name and address

A segment identifying parties involved in the transaction, such as the Payee, Beneficiary, Payor and Ordering Customer.

0740 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.

0750 COM, Communication contact

A segment identifying communication type(s) and number(s) of person(s) or department(s).

0760 Segment Group 18: GEI-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.

0770 GEI, Processing information

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

0780 MOA, Monetary amount

A segment giving the amount and the currency of each transaction to be reported.

0790 LOC, Place/location identification

A segment giving the different origins and/or destinations (places) of goods and/or investments and/or services.

0800 NAD, Name and address

A segment identifying the recipient of the associated informative text.

0810 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.

0820 FTX, Free text

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

0830 Segment Group 19: INP-FTX-DTM

A group of segments containing instructions and related information from the sender or the receiver of the message to parties involved in the transaction. It specifies action to be taken by the identified parties and the date (and optionally time) by which such action needs to be taken.

0840 INP, Parties and 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.

0850 FTX, Free text

A segment providing free text instructions related to the associated INP segment.

0860 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.

0870 Segment Group 20: FCA-MOA-SG21

A group of segments providing full details of all charges, allowances and associated taxes that apply to the amount to be transferred, together with information as to who bears the charges and to which account they have been directed. A total value of all charges plus allowances may be given for every account to which charges may be directed.

0880 FCA, Financial charges allocation

A segment specifying the method for allocation of charges and allowances and identifying the account to which such charges should be directed where it is different from the principal amount.

0890 MOA, Monetary amount

A segment containing the total amount of charges, allowances and associated taxes related to a specific account or to the same account as quoted in segment group 16. It may also contain the total of individual amounts calculated from a basis amount or the basis amount from which charges and/or allowances are calculated when this is different from the original amount.

0900 Segment Group 21: ALC-PCD-MOA-CUX-DTM-SG22

A group of segments providing a detailed breakdown of all charges and/or allowances.

0910 ALC, Allowance or charge

A segment containing any charges and/or allowances which are related to the total amount, calculated from the original amount or from the basis amount.

0920 PCD, Percentage details

A segment specifying the details of the percentage used for calculating the charges and/or allowances.

0930 MOA, Monetary amount

A segment identifying the single amount of charges and/or allowances and specifying the basis amount from which these charges and/or allowances are calculated if different from the transaction amount.

0940 CUX, Currencies

A segment indicating any exchange rate related to the charges and/or allowances, where relevant.

0950 DTM, Date/time/period

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

0960 Segment Group 22: TAX-MOA-CUX-DTM

A group of segments describing any taxes associated with the charges, their amount, exchange rates and date of exchange rates.

0970 TAX, Duty/tax/fee details

A segment identifying taxes computed to the charges in the preceding segment group.

0980 MOA, Monetary amount

A segment identifying the basis amount from which the tax is calculated, if different from the amount in the preceding MOA segment, providing a detailed breakdown of all charges and/or allowances.

0990 CUX, Currencies

A segment specifying the rate of exchange related to the tax amount.

1000 DTM, Date/time/period

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

1010 Segment Group 23: PRC-FTX-SG24-SG30

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.

1020 PRC, Process identification

A segment identifying the kind of process on the beneficiary's side.

1030 FTX, Free text

A segment providing free text instructions relating to the payment details.

1040 Segment Group 24: DOC-MOA-DTM-RFF-NAD-SG25-SG26-SG27

A group of segments providing details of all documents, e.g., invoices, statements, despatch advices, etc. to which the message 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.

1050 DOC, Document/message details

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

1060 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.

1070 DTM, Date/time/period

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

1080 RFF, Reference

A segment including any additional references related to the reference document.

1090 NAD, Name and address

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

1100 Segment Group 25: CUX-DTM

A group of segments specifying the currencies and the related dates and/or periods valid for the referenced document where different to the reference currency.

1110 CUX, Currencies

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

1120 DTM, Date/time/period

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

1130 Segment Group 26: AJT-MOA-RFF-FTX

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

1140 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.

1150 MOA, Monetary amount

A segment giving the monetary amounts of the adjustments of each reference document (e.g. original amounts, discount amounts, etc.).

1160 RFF, Reference

A segment including any additional references related to the reference documents.

1170 FTX, Free text

A segment providing free text information related to the payment details.

1180 Segment Group 27: DLI-MOA-PIA-DTM-SG28-SG29

A group of segments providing details of individual line items in the referenced document.

1190 DLI, Document line identification

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

1200 MOA, Monetary amount

A segment giving the monetary amounts for this line item.

1210 PIA, Additional product id

A segment specifying item identification codes where required.

1220 DTM, Date/time/period

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

1230 Segment Group 28: CUX-DTM

A group of segments identifying the currency and the related dates and/or periods of the line item where different to the remittance and document currency.

1240 CUX, Currencies

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

1250 DTM, Date/time/period

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

1260 Segment Group 29: AJT-MOA-RFF-FTX

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

1270 AJT, Adjustment details

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

1280 MOA, Monetary amount

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

1290 RFF, Reference

A segment including any additional references related to the line item.

1300 FTX, Free text

A segment providing free text information related to the payment details.

1310 Segment Group 30: GEI-MOA

A group of segments indicating the end of the details of payment and specifying total amounts for control purposes.

1320 GEI, Processing information

A segment identifying the end of the details of payment.

1330 MOA, Monetary amount

A segment indicating total amounts for control purposes.

1340 CNT, Control total

A segment providing information on control totals.

1350 Segment Group 31: MOA-DTM

A group of segments indicating the total amount to be transferred in the message together with the date of availability.

1360 MOA, Monetary amount

A segment indicating the total amount to be transferred in the message.

1370 DTM, Date/time/period

A segment indicating the date of availability.

1380 Segment Group 32: AUT-DTM

A group of segments specifying the details of any authentication (validation) procedures applied to the message.

1390 AUT, Authentication result

A segment specifying details of any authentication (validation) procedures applied to the message.

1400 DTM, Date/time/period

A segment identifying the validation date and/or time.

1410 UNT, Message trailer

A service segment ending a message, giving the total number of segments in the message (including the UNH & UNT) and the control reference number of the message.