Pain 001 001 03 Six

SPS Version: 1.
11
Credit Suisse subversion: 1.11.1
Issue date: 22.08.2022
pain.001.001.03.ch.02
Customer-to-Bank Credit Transfer
Message Implementation Guidelines

SPS 1.11 – with effect from19th of November 2021
Table of Contents
1. Notes on Credit Suisse Message Implementation Guidelines 3
1.1 Conventions for presentation 3
2. Technical Specifications 5
Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 2

1. Notes on Credit Suisse Message
Implementation Guidelines
The Credit Suisse Message Implementation Guidelines for Credit Transfers serves as
manual for the technical and business implementation of Credit Transfers pain.001
message in accordance with the ISO 20022 Payments Standard and the Swiss
Recommendations. All Credit Transfer messages transmitted to Credit Suisse must
comply with Swiss Recommendations, ISO 20022 Payments Standard and Credit
Suisse specification (as adhered in this document and XSD).
ISO 20022 Payments Standards
Swiss Recommendations
Credit Suisse Message

Implementation Guidelines
Figure 1. Above shows the degree of concordance between the ISO 20022 Payments Standards, Swiss Recommendations and Credit
Suisse Implementations.
This document provides additional information to the Credit Suisse XML schema definition
(XSD) and cannot be read as a stand-alone specification.
1.1 Conventions for presentation

A basic knowledge of XML is assumed for the purposes of this document, so only certain
special points are explained. The technical validation of the various XML messages is carried
out using XML schema.
In this document, the following conventions apply to presentation.
Representation of the tree structure in the tables

So that it is possible to tell where in the tree structure an element comes, the hierarchy level is
indicated by preceding “+” signs in the Message Item. For example, the IBAN in the Payment
Information is represented as shown:
CstmrCdtTrfInitn {Or
+PmtInf
++CdtTrfTxInf
+++CdtrAcct
++++Id
+++++IBAN

The rows marked in light grey indicate the XML elements containing at least one sub-element.
Representation of choices
Elements with a choice are marked in the “XML Tag” column as follows:
{Or for start of the choice
Or} for end of the choice
The technical specifications contain information from ISO 20022, such as Name, Index,
Cardinality (Presence/Multiplicity), Message Item, XML-Tag, ISODefinition (Definition).
The following information for the Swiss ISO 20022 Payments Standards can also be found
in the specifications:
CH definition – Corresponding to Swiss Implementation Guidelines field “General definition”
CH Rules – Definitions for specific payment types as per Swiss Recommendations definition
Credit Suisse – Credit Suisse remark. It includes additional explanation or/and Credit Suisse
specific rule description
RsnCd and AddtlInf – some XML elements are being provided with error example, that is
code and the corresponding Additional Information, which are being sent in pain.002 Status
Reason Information e.g. RsnCd: CH16; AddtlInf: Initiating Party Name may not exceed 70
characters
Example – Credit Suisse example e.g. <Nm>Max Muster</Nm>
CH Status – Information about usage in Switzerland. The following statuses are permitted
for individual XML elements according to the Swiss Implementation Guidelines Version 1.7.
M – Mandatory
The element is mandatory. If the element is not used, a Swiss bank will refuse to process
the message.
BD – Bilaterally Determined
The element may only be used by agreement with the instructed financial institution.
O – Optional
The element is optional.
D – Dependent
The use of the element depends on other elements.
R – Recommended
The use of the element is recommended.
Data type – The names of the data types given in the tables of this document correspond
to the data types defined in XML schemas e.g. Data Type: ISODateTime
Length – In some cases min and max length is indicated e.g. 1.. 70
ErrorCode – list of possible error codes that are being sent back in the Customer Payment
Status Report (pain.002) e.g. ErrorCode: CH16, CH17, CH21
Note: If during schema validation an error is detected in any element, the whole message
can be rejected (error code FF01). Since this response generally applies to all elements
in the table, a comment to that effect is not entered for every element.

2. Technical specifications
level message item description
A CstmrCdtTrfInitn name: Customer Credit Transfer Initiation V03
cardinality: 1..1 XML tag: CstmrCdtTrfInitn
Data type: CustomerCreditTransferInitiationV03
ISO definition: The CustomerCreditTransferInitiation message is sent by the initiating party to the forwarding agent
or debtor's agent.
It is used to request movement of funds from debtor's account to a creditor.
A CstmrCdtTrfInitn name: Group Header
+GrpHdr XML tag: GrpHdr
cardinality: 1..1
Data type: GroupHeader32
CH Status: M
ISO definition: Set of characteristics shared by all individual transactions included in the message.
CH definition: Value must be unique within the whole message (is used as reference in the Status Report pain.
002).
Only the SWIFT character set is permitted for this element.
A CstmrCdtTrfInitn name: Message Identification
+GrpHdr XML tag: MsgId
++MsgId
Data type: Max35Text
cardinality: 1..1
ErrorCode: DU01, length: 1 35
CH16, ISO definition: Point to point reference, as assigned by the instructing party, and sent to the next party in the chain
CH21 to unambiguously identify the message.
CH Status: M Usage: The instructing party has to make sure that MessageIdentification is unique per instructed
party for a pre-agreed period.
CH definition: Checking for duplicates usually takes place at the Swiss financial institutions at document (message)
level. This is why the "Message Identification" <MsgId> element must have a unique value. The
uniqueness is checked by most of the financial institutions over a period of at least 90 days. It is
recommended that the "Message Identification" is generally kept unique for as long as possible.
Only the SWIFT character set is permitted for this element.
Credit Suisse: If Message Identification is not unique the whole pain.001 would be rejected.
example: <MsgId>MSGID-9214-170502115114-00</MsgId>
A CstmrCdtTrfInitn name: Creation Date Time
+GrpHdr XML tag: CreDtTm
++CreDtTm
Data type: ISODateTime
cardinality: 1..1
ErrorCode: CH21, ISO definition: Date and time at which the message was created.
FF01 CH definition: Recommendation: Should be the same as the actual date/time of creation.
CH Status: M Credit Suisse: If the date is invalid format, the whole file will be rejected with Status Reason Code FF01.
example: <CreDtTm>2016-08-01T00:00:00</CreDtTm>
RsnCd: CH21
AddtlInf: Creation Date Time is mandatory
A CstmrCdtTrfInitn name: Number Of Transactions
+GrpHdr XML tag: NbOfTxs
++NbOfTxs
Data type: Max15NumericText
cardinality: 1..1
ErrorCode: AM18, pattern [0-9]{1,15}
FF01, ISO definition: Number of individual transactions contained in the message.
CH21 CH definition: If there is an error, the whole message is rejected. Messages that exceed 99,999 payments (C-
CH Status: M Level) will be rejected by the financial institutions. Depending on the financial institution, the size of
the message that can be delivered may be smaller.
Credit Suisse: If the content of this element does not match the total number of C-Levels the file will be rejected
with Status Reason Code AM18.
example: <NbOfTxs>10</NbOfTxs>
RsnCd: AM18
AddtlInf: Number of transactions <x> does not match the calculated number of transactions <y>
RsnCd: FF01
AddtlInf: There is no transaction present in the message.
RsnCd: CH21
AddtlInf: Number of transactions is mandatory.

A CstmrCdtTrfInitn name: Control Sum
+GrpHdr XML tag: CtrlSum
++CtrlSum
Data type: DecimalNumber
cardinality: 0..1
ErrorCode: AM10 FractionDigits 17
CH Status: R TotalDigits 18
ISO definition: Total of all individual amounts included in the message, irrespective of currencies.
CH definition: Value is the same as the sum of all the "Amount elements" ("Instructed Amount" or "Equivalent
Amount")
Recommendation: the control sum should be sent in this element in Level A.
If there is an error, the whole message is rejected.
Credit Suisse: It is recommended that the element is used at A-level. If element is delivered the content will be
validated with the overall sum of all amounts of all subsequent single transactions (instructed as well
as equivalent amounts). If stated control sum does not match with actual sum over all C-Levels the
whole pain.001 (A-Level) is rejected with Status Reason Code AM10.
example: <CtrlSum>1000.21</CtrlSum>
RsnCd: AM10
AddtlInf: Control Sum <x> does not match the calculated sum of Amounts <y>
A CstmrCdtTrfInitn name: Initiating Party
+GrpHdr XML tag: InitgPty
++InitgPty
Data type: PartyIdentification32
cardinality: 1..1
ErrorCode: CH21 ISO definition: Party that initiates the payment.
CH Status: M
Usage: This can either be the debtor or the party that initiates the credit transfer on behalf of the
debtor.
CH definition: At least one of the two elements "Name" or "Identification" must be sent.
A CstmrCdtTrfInitn name: Name
+GrpHdr XML tag: Nm
++InitgPty
+++Nm
cardinality: 0..1 length: 1 70
ErrorCode: CH16 ISO definition: Name by which a party is known and which is usually used to identify that party.
CH Status: R CH definition: Name of the message sender, maximum 70 characters.
example: <Nm>Max Muster</Nm>
RsnCd: CH16
AddtlInf: Initiating Party Name must not exceed 70 characters.
A CstmrCdtTrfInitn name: Identification
+GrpHdr XML tag: Id
++InitgPty
Data type: Party6Choice
+++Id
cardinality: 0..1 ISO definition: Unique and unambiguous identification of a party.
CH Status: R CH definition: Identification of the message sender.
cardinality: 1..1 XML tag: xs:choice
A CstmrCdtTrfInitn {Or name: Organisation Identification
+GrpHdr XML tag: OrgId
++InitgPty
Data type: OrganisationIdentification4
+++Id
++++OrgId ISO definition: Unique and unambiguous way to identify an organisation.
cardinality: 1..1 CH definition: Only "BICOrBEI" or an element from "Other" permitted. If used, the "Private Identification" must not
ErrorCode: CH16, be present.
CH17 Credit Suisse: Component should only be used, if the initiating party has an own "BICOrBEI" as other identification
CH Status: D is ignored.
A CstmrCdtTrfInitn name: BICOr BEI
+GrpHdr XML tag: BICOrBEI
++InitgPty
Data type: AnyBICIdentifier
+++Id
++++OrgId pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3}){0,1}
+++++BICOrBEI ISO definition: Code allocated to a financial institution or non financial institution by the ISO 9362 Registration
cardinality: 0..1 Authority as described in ISO 9362 "Banking - Banking telecommunication messages - Business
ErrorCode: RC01 identifier code (BIC)".
CH Status: D CH definition: If used, "Other" must not be present.
CH rules: Either ‘BICOrBEI’ or one occurrence of ‘Other’ is allowed but not both together.
RsnCd: RC01
AddtlInf: Initiating Party Id <x> doesn’t contain a valid "BICOrBEI"-value.

A CstmrCdtTrfInitn name: Other
+GrpHdr XML tag: Othr
++InitgPty
Data type: GenericOrganisationIdentification1
+++Id
++++OrgId ISO definition: Unique identification of an organisation, as assigned by an institution, using an identification scheme.
+++++Othr CH definition: If used, "BICOrBEI" must not be present.
cardinality: 0..1 Credit Suisse: It will be ignored. However, when provided - it must conform with the schema.
ErrorCode: CH16
CH Status: D
A CstmrCdtTrfInitn Or} name: Private Identification
+GrpHdr XML tag: PrvtId
++InitgPty
Data type: PersonIdentification5
+++Id
++++PrvtId ISO definition: Unique and unambiguous identification of a person, eg, passport.
cardinality: 1..1 CH definition: Only "Date And Place Of Birth" or an element from "Other" permitted. If used, "Organisation
CH Status: D Identification" must not be present.
Credit Suisse: It will be ignored and not forwarded. When provided, it must conform with the schema.
A CstmrCdtTrfInitn name: Contact Details
+GrpHdr XML tag: CtctDtls
++InitgPty
Data type: ContactDetails2
+++CtctDtls
cardinality: 0..1 ISO definition: Set of elements used to indicate how to contact the party.
CH Status: R CH definition: Recommendation: Should include information regarding the software used and its version.
A CstmrCdtTrfInitn name: Name
+GrpHdr XML tag: Nm
++InitgPty
+++CtctDtls
++++Nm length: 1 140
cardinality: 0..1 ISO definition: Name by which a party is known and which is usually used to identify that party.
CH Status: R CH definition: Must be used if "Contact Details" is used: Name of software with which this message has been
generated, followed by a "/" and by the name of the software manufacturer, maximum 70
characters.
A CstmrCdtTrfInitn name: Other
+GrpHdr XML tag: Othr
++InitgPty
+++CtctDtls
++++Othr length: 1 35
cardinality: 0..1 ISO definition: Contact details in an other form.
CH Status: R CH definition: Should contain the version of the software used to create this message.
A CstmrCdtTrfInitn name: Forwarding Agent
+GrpHdr XML tag: FwdgAgt
++FwdgAgt
Data type: BranchAndFinancialInstitutionIdentification4
cardinality: 0..1
CH Status: BD ISO definition: Financial institution that receives the instruction from the initiating party and forwards it to the next
agent in the payment chain for execution.
CH definition: This element may only be used by agreement with the instructed financial institution.
Credit Suisse: Not used for processing purposes and will be ignored. However, when provided it must conform with
the schema.
B CstmrCdtTrfInitn name: Payment Information
+PmtInf XML tag: PmtInf
cardinality: 1..unbounded
Data type: PaymentInstructionInformation3
ErrorCode: CH21
CH Status: M ISO definition: Set of characteristics that applies to the debit side of the payment transactions included in the credit
transfer initiation.
B CstmrCdtTrfInitn name: Payment Information Identification
+PmtInf XML tag: PmtInfId
++PmtInfId
cardinality: 1..1
ErrorCode: DU02, length: 1 35
CH21, ISO definition: Unique identification, as assigned by a sending party, to unambiguously identify the payment
FF01 information group within the message.
CH Status: M CH definition: Value must be unique within the whole message (is used as reference in the Status Report "pain.
002"). Only the SWIFT character set is permitted for this element.
Credit Suisse: If value is not unique within the message, the whole pain.001 will get rejected. The uniqueness of
Payment Information Identification over time is not validated.
example: <PmtInfId>PmtInfId-BP01-POS-01</PmtInfId>
RsnCd: CH21
AddtlInf: Instruction Reference is mandatory
RsnCd: DU02
AddtlInf: Value <PmtInfId> must be unique within the whole message.

B CstmrCdtTrfInitn name: Payment Method
+PmtInf XML tag: PmtMtd
++PmtMtd
Data type: PaymentMethod3Code
cardinality: 1..1
ErrorCode: FF01, ISO definition: Specifies the means of payment that will be used to move the amount of money.
NARR, CH definition: "TRA" and "TRF": same meaning, no effect on the way the debit advices are controlled. In
CH21 Switzerland the "TRA" value is processed in the same way as the "TRF" value, it has no special
CH Status: M function. Furthermore, for check payments and payment instructions (postal mandates), the "CHK"
value is permitted.
CH rules: Type 1, 2.1, 2.2, 3, 4, 5, 6: May only contain "TRA" or "TRF".
Type 8: May only contain "CHK".
Credit Suisse: Domestic CHF postal orders (Payment Type 7) are not supported (Status Reason Code: NARR).
example: <PmtMtd>TRF</PmtMtd>
RsnCd: FF01
AddtlInf: Allowed values of Payment Method are "TRF","TRA","CHK"
RsnCd: NARR
AddtlInf: Payment Type 7 is not anymore supported.
RsnCd: CH21
AddtlInf: Payment Method is mandatory

B CstmrCdtTrfInitn name: Batch Booking
+PmtInf XML tag: BtchBookg
++BtchBookg
Data type: BatchBookingIndicator
cardinality: 0..1
ErrorCode: FF01 ISO definition: Identifies whether a single entry per individual transaction or a batch entry for the sum of the
CH Status: O amounts of all transactions within the group of a message is requested.
Usage: Batch booking is used to request and not order a possible batch booking.
CH definition: The option "true" is recommended. "true": Wherever possible, one batch booking is made per
"Payment Information" (B). A separate B-level must be created for each currency being transferred.
Mixed B-levels may only be used as AOS by agreement with the financial institution, grouped
according to currency and sometimes other criteria (e.g. charging options), The booking is identified
using the Payment Information Identification (B). "false": One booking should be made for each
"Credit Transfer Transaction Information" (C). Bookings are usually identified by the "Payment
Identification" (C). Alternatively, the financial institution can also identify the booking using, for
example, the "Payment Information Identification" (B) element. The option “true” in combination with
Category Purpose Code (B-Level) SALA and notification instruction CND/NOA results in a
confidential payment. If this element is not sent, then the booking proceeds as for "true" or
according to the master data stored at the financial institution.
Credit Suisse: A separate B-level must be created for each currency being transferred. Mixing “Instructed Amount”
with “Equivalent Amount” is not allowed within one B-level.
Only 4 values are allowed for Batch Booking element: '0'', '1", 'true', 'false', as per XSD definition
(boolean data type). When any other value is provided (e.g. <BtchBookg>TRUE</BtchBookg> or
<BtchBookg></BtchBookg>) - the whole B-Level will be rejected with the Status Reason Code
FF01.
If the element is not present the default setting of “true” will be applied during processing.
Credit Suisse will always display transaction details for collective debit bookings in "camt.053 with
details", unless special advice steering is provided in pain.001 (DebtorAccount/Proprietary = NOA or
CND).
Credit Suisse will only display transaction details for collective debit bookings in "camt.053 without
details", when special advice steering is provided in pain.001 (DebtorAccount/Proprietary = CWD).
Effect on setting values for <BtchBookg> and <Prtry> (CstmrCdtTrfInitn/PmtInf/DbtrAcct/Tp/

Prtry):
BtchBookg Prtry Booking camt.053 camt.053 camt.052
with without
details details
true / not provided NOA Batch No Details No Details No Details
true / not provided 1 SIA 1 Batch With Details No Details With Details
true / not provided 2 CND 2 Batch No Details No Details No Details
true / not provided CWD Batch With Details With Details With Details
true / not provided not provided Batch With Details No Details With Details
false NOA Single With Details With Details With Details
false SIA Single With Details With Details With Details
false 1 CND 1 Single With Details With Details With Details
false 1 CWD 1 Single With Details With Details With Details
false not provided Single With Details With Details With Details
1
The combination should not be used and is not recommended by Credit Suisse
2
The combination is recommended for salary payments
example: <BtchBookg>true</BtchBookg>
<BtchBookg>false</BtchBookg>
<BtchBookg>1</BtchBookg>
<BtchBookg>0</BtchBookg>
RsnCd: FF01
AddtlInf: Invalid value of Batch Booking, it should be "true" or "false"

B CstmrCdtTrfInitn name: Number Of Transactions
+PmtInf XML tag: NbOfTxs
++NbOfTxs
Data type: Max15NumericText
cardinality: 0..1
ErrorCode: AM18, pattern [0-9]{1,15}
FF01 ISO definition: Number of individual transactions contained in the paymnet information group.
CH Status: O CH definition: Not generally checked by Swiss institutions. Checking uses the corresponding element at A-Level.
Credit Suisse: It is recommended that the element is provided on A-Level. However, when provided the content will
be validated. The value must be the same as total number of C-Levels within B-Level.
RsnCd: FF01
AddtlInf: There is no transaction present in the message.
RsnCd: AM18
AddtlInf: Number of transactions <x> does not match the calculated number of transactions <y>
B CstmrCdtTrfInitn name: Control Sum
+PmtInf XML tag: CtrlSum
++CtrlSum
Data type: DecimalNumber
cardinality: 0..1
ErrorCode: AM10 FractionDigits 17
CH Status: O TotalDigits 18
ISO definition: Total of all individual amounts included in the group, irrespective of currencies.
CH definition: Not generally checked by Swiss institutions. Checking uses the corresponding element at A-Level.
Credit Suisse: It is recommended that the element is provided on A-Level. However, when provided the value will
be validated. The value must match the overall sum of all amounts of all single transactions within
B-Level (instructed as well as equivalent amounts).
RsnCd: AM10
AddtlInf: Control Sum <x> does not match the calculated sum of Amounts <y>
B CstmrCdtTrfInitn name: Payment Type Information
+PmtInf XML tag: PmtTpInf
++PmtTpInf
Data type: PaymentTypeInformation19
cardinality: 0..1
ErrorCode: CH07 ISO definition: Set of elements used to further specify the type of transaction.
CH Status: O CH definition: Can be used at B-Level or C-Level, but generally not in both at the same time. Some institutions
permit it to be sent at both levels but not the same sub-element at both levels.
CH rules: Type 5: Use at B-Level is recommended.
Type 1, 2.1, 2.2: Use at C-Level is recommended.
Credit Suisse: If same sub-element with different value is present on both, B- and C-Levels, the C-Level will be
rejected with the Status Reason Code "CH07". Local Instrument Proprietary cannot be
simultaneously used with Service Level Code “SEPA”.
RsnCd: CH07
AddtlInf: PmtTpInf, UltmtDbtr or ChrgBr should not be duplicated across B and C level
B CstmrCdtTrfInitn name: Instruction Priority
+PmtInf XML tag: InstrPrty
++PmtTpInf
Data type: Priority2Code
+++InstrPrty
cardinality: 0..1 ISO definition: Indicator of the urgency or order of importance that the instructing party would like the instructed
CH Status: BD party to apply to the processing of the instruction.
CH definition: The service that is initiated must first be agreed with the financial institution in question. For normal
handling, the element can be omitted. The value "NORM" equates to execution with the value date
as the next banking business day (depending on the currency). The value "HIGH" equates to the
current Express processing, i.e. execution on the same value date, provided delivery is within the
time for acceptance specified by the financial institution in question (depending on the currency).
This kind of execution may result in additional charges. Any details about the Express processing
should be sent at B-Level, because values at C-Level are ignored.
CH rules: Type 5: Must not be used.
Credit Suisse: Used by Credit Suisse to trigger processing (HIGH = Express Payment, NORMAL or empty =
Normal Payment.) The payment will be processed according to Credit Suisse cut-off times,
independent from the delivered code and charges may apply.
B CstmrCdtTrfInitn name: Service Level
+PmtInf XML tag: SvcLvl
++PmtTpInf
Data type: ServiceLevel8Choice
+++SvcLvl
cardinality: 0..1 ISO definition: Agreement under which or rules under which the transaction should be processed.
CH Status: O CH definition: Service Level affects the way payment is made at the financial institution. The focus is on achieving
the fastest possible credit for the creditor.
CH rules: Type 5: use is recommended.

B CstmrCdtTrfInitn {Or name: Code
+PmtInf XML tag: Cd
++PmtTpInf
Data type: ExternalServiceLevel1Code
+++SvcLvl
++++Cd length: 1 4
cardinality: 1..1 ISO definition: Specifies a pre-agreed service or level of service between the parties, as published in an external
ErrorCode: CH16 service level code list.
CH Status: D CH definition: Codes according Payments External Code Lists. If used, then Proprietary must not be present.
CH definition: Codes according "Payments External Code Lists".
The following values will be accepted by the financial institutions:
• SEPA (Single Euro Payments Area)
• PRPT (EBA Priority Service)
• SDVA (Same Day Value)
• URGP (Urgent Payment)
These values SEPA, PRPT, SDVA, URGP are taken into account if the financial institution offers the
service in question, otherwise they are ignored.
If used, then "Proprietary" must not be present.
CH rules: Type 5: Only "SEPA" permitted.
Credit Suisse: Only value 'SEPA' is used for processing purposes. Other values do not trigger a special behavior.
It is recommended to be used at B-Level. It must not be used simultaneously at B-Level and C-
Level.
example: <Cd>SEPA</Cd>
RsnCd: CH16
AddtlInf: Proprietary must not be present at same time.
B CstmrCdtTrfInitn Or} name: Proprietary
+PmtInf XML tag: Prtry
++PmtTpInf
+++SvcLvl
++++Prtry length: 1 35
cardinality: 1..1 ISO definition: Specifies a pre-agreed service or level of service between the parties, as a proprietary code.
ErrorCode: CH17 CH definition: Is currently ignored by financial institutions. If used, then "Code" must not be present.
CH Status: BD CH rules: Type 5: must not be used.
Credit Suisse: Currently not used for processing purposes. However, when provided it must conform with the
scheme.
RsnCd: CH17
AddtlInf: Service Level Proprietary Code is not allowed for this payment type.
B CstmrCdtTrfInitn name: Local Instrument
+PmtInf XML tag: LclInstrm
++PmtTpInf
Data type: LocalInstrument2Choice
+++LclInstrm
cardinality: 0..1 ISO definition: User community specific instrument.
ErrorCode: CH21
CH Status: D Usage: This element is used to specify a local instrument, local clearing option and/or further qualify
the service or service level.
CH rules: Type 1, 2.1, 2.2: Must be used.
Type 8: Must not be used.
example: <PmtTpInf>
<LclInstrm>
<Prtry>CH01</Prtry>
</LclInstrm>
</PmtTpInf>
+PmtInf XML tag: Cd
++PmtTpInf
Data type: ExternalLocalInstrument1Code
+++LclInstrm
++++Cd length: 1 35
cardinality: 1..1 ISO definition: Specifies the local instrument, as published in an external local instrument code list.
ErrorCode: CH16, CH definition: If used, then "Proprietary" must not be present.
NARR, Credit Suisse: Domestic CHF postal orders (Payment Type 7) are not supported. Value "CPP" (Payment Method
CH17 'CHK' ) will be rejected with Status Reason Code NARR.
CH Status: D RsnCd: NARR
AddtlInf: Payment Type 7 is not anymore supported.

++PmtTpInf
+++LclInstrm
cardinality: 1..1 ISO definition: Specifies the local instrument, as a proprietary code.
ErrorCode: CH17, CH definition: If used, then "Code" must not be present.
DT01 CH rules: Type 1: "CH01" must be used.
CH Status: D Type 2.1: "CH02" must be used.
Type 2.2: "CH03" must be used.
Each in combination with PmtMtd = TRF/TRA
(becomes invalid with the end of the ISR/IS process on 30.09.2022).
Credit Suisse: The element is only allowed with the execution date up to 30.09.2022.
B CstmrCdtTrfInitn name: Category Purpose
+PmtInf XML tag: CtgyPurp
++PmtTpInf
Data type: CategoryPurpose1Choice
+++CtgyPurp
cardinality: 0..1 ISO definition: Specifies the high level purpose of the instruction based on a set of pre-defined categories.
CH Status: O Usage: This is used by the initiating party to provide information concerning the processing of the
payment. It is likely to trigger special processing by any of the agents involved in the payment chain.
CH definition: Gives information about the purpose of the payment order.
+PmtInf XML tag: Cd
++PmtTpInf
Data type: ExternalCategoryPurpose1Code
+++CtgyPurp
++++Cd length: 1 4
cardinality: 1..1 ISO definition: Category purpose, as published in an external category purpose code list.
ErrorCode: CH16 CH definition: Codes according "Payments External Code Lists". The forwarding of the code to the receiving
CH Status: M institution is subject to the offer of the customer's financial institution.
If required, the code "SALA" or "PENS" must always be sent at B-Level.
The code SALA in combination with Batch Booking Option “true”
and notification instruction CND/NOA results in a confidential
payment.
Credit Suisse: When provided it must conform with the scheme. This code has no effect on processing within
Credit Suisse. Codes SALA=SalaryPayment and PENS=PensionPayment do not result in a different
processing.
Remark: Confidentiality of a salary payment imust be instructured by setting <BatchBookg> to 'true'
and <DbtrAcct><Tp><Prty> to "CND" or "NOA".
B CstmrCdtTrfInitn name: Requested Execution Date
+PmtInf XML tag: ReqdExctnDt
++ReqdExctnDt
Data type: ISODate
cardinality: 1..1
ErrorCode: CH03, ISO definition: Date at which the initiating party requests the clearing agent to process the payment.
CH04, Usage: This is the date on which the debtor's account is to be debited. If payment by cheque, the
CH21, date when the cheque must be generated by the bank.
FF01 CH definition: Contains the required date of execution. Where appropriate, the value data is automatically modified
CH Status: M to the next possible banking/Post Office working day.
Credit Suisse: Valid date range is:
Date of execution no more than 60 calendar days in the future (from submission date)
Date of execution no more than 40 calendar days in the past (from submission date)
Where appropriate, the value date is automatically modified to the next possible banking/Post Office
working day.
example: <ReqdExctnDt>2017-04-26</ReqdExctnDt>
RsnCd: CH03
AddtlInf: The value date is too far in the future
RsnCd: CH04
AddtlInf: The value date is too far in the past
RsnCd: CH21
AddtlInf: Instructed Day is mandatory
B CstmrCdtTrfInitn name: Debtor
+PmtInf XML tag: Dbtr
++Dbtr
cardinality: 1..1
CH Status: M ISO definition: Party that owes an amount of money to the (ultimate) creditor.
CH definition: The debtor is only identified by the "Debtor Account" element. Information in the "Debtor" field will
be ignored. What is required is the master data for the financial institution for this debtor.

B CstmrCdtTrfInitn name: Name
+PmtInf XML tag: Nm
++Dbtr
+++Nm
ErrorCode: CH16 ISO definition: Name by which a party is known and which is usually used to identify that party.
CH Status: R CH definition: Recommendation: Use, maximum 70 characters.
Credit Suisse: The element is not used for processing purposes. However, if delivered it must be conformed with
the schema.
RsnCd: CH16
AddtlInf: Originating Party Name may not exceed 70 characters
B CstmrCdtTrfInitn name: Postal Address
+PmtInf XML tag: PstlAdr
++Dbtr
Data type: PostalAddress6
+++PstlAdr
cardinality: 0..1 ISO definition: Information that locates and identifies a specific address, as defined by postal services.
CH Status: O CH definition: Recommendation: Do not use.
Credit Suisse: The content will be overwritten with account master data. However, if delivered, the element must
still be conformed with th schema:
Structured Address elements are recommended.
Maximum 2 occurrences of “Address Line” are allowed.
When combining Structured elements with Unstructured Address Lines, only “Country” is allowed.
B CstmrCdtTrfInitn name: Identification
+PmtInf XML tag: Id
++Dbtr
+++Id
CH Status: O CH definition: Is currently ignored by financial institutions.
Credit Suisse: Credit Suisse does not control content of this element (no validation). It will be ignored. However, if
delivered the element must still conform with the scheme.
B CstmrCdtTrfInitn {Or name: Organisation Identification
+PmtInf XML tag: OrgId
++Dbtr
+++Id
CH Status: D be present.
Credit Suisse: Credit Suisse does not control content of this element (no validation). It will be ignored. However, if
delivered the element must still conform with the scheme.
B CstmrCdtTrfInitn Or} name: Private Identification
+PmtInf XML tag: PrvtId
++Dbtr
+++Id
B CstmrCdtTrfInitn name: Debtor Account
+PmtInf XML tag: DbtrAcct
++DbtrAcct
Data type: CashAccount16
cardinality: 1..1
ErrorCode: CH21 ISO definition: Unambiguous identification of the account of the debtor to which a debit entry will be made as a
CH Status: M result of the transaction.
CH definition: Recommendation: IBAN should be used. However, "Other" is currently also still permitted by some
financial institutions for the proprietary account number. The "Type/Proprietary" element can also be
used to define the way the debit advice is controlled. When using the AOS "Additional participants"
(multi-banking), the third-party bank account number must be specified here.
RsnCd: CH21
AddtlInf: Originating Party Account is mandatory
+PmtInf XML tag: Id
++DbtrAcct
Data type: AccountIdentification4Choice
+++Id
cardinality: 1..1 ISO definition: Unique and unambiguous identification for the account between the account owner and the account
CH Status: M servicer.

B CstmrCdtTrfInitn {Or name: IBAN
+PmtInf XML tag: IBAN
++DbtrAcct
Data type: IBAN2007Identifier
+++Id
++++IBAN pattern [A-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,30}
cardinality: 1..1 ISO definition: International Bank Account Number (IBAN) - identifier used internationally by financial institutions to
ErrorCode: AC01 uniquely identify the account of a customer. Further specifications of the format and content of the
CH Status: R IBAN can be found in the standard ISO 13616 "Banking and related financial services - International
Bank Account Number (IBAN)" version 1997-10-01, or later revisions.
CH definition: Recommendation: Use. If used, "Other" must not be present.
Must not be a QR-IBAN.
Credit Suisse: Must be defined for account identification.
example: <IBAN>CH3704835833740031000</IBAN>
RsnCd: AC01
AddtlInf: Originating Party Account
B CstmrCdtTrfInitn Or} name: Other
+PmtInf XML tag: Othr
++DbtrAcct
Data type: GenericAccountIdentification1
+++Id
++++Othr ISO definition: Unique identification of an account, as assigned by the account servicer, using an identification
cardinality: 1..1 scheme.
ErrorCode: CH17 CH definition: If used, then "IBAN" must not be present.
CH Status: D Credit Suisse: Will be ignored (IBAN must be used for account identification)
+PmtInf XML tag: Id
++DbtrAcct
+++Id
+++++Id ISO definition: Identification assigned by an institution.
cardinality: 1..1 CH definition: Proprietary bank or postal account number. Must be used if Other is used.
ErrorCode: AC01
CH Status: M
B CstmrCdtTrfInitn name: Type
+PmtInf XML tag: Tp
++DbtrAcct
Data type: CashAccountType2
+++Tp
cardinality: 0..1 ISO definition: Specifies the nature, or use of the account.
CH Status: O Credit Suisse: Not used for processing.
+PmtInf XML tag: Cd
++DbtrAcct
Data type: CashAccountType4Code
+++Tp
++++Cd ISO definition: Account type, in a coded form.
cardinality: 1..1 CH definition: Is currently ignored by financial institutions. If used, then "Proprietary" must not be present.
CH Status: BD
++DbtrAcct
+++Tp
cardinality: 1..1 ISO definition: Nature or use of the account in a proprietary form.
ErrorCode: CH16 CH definition: Can be used to control the debit advice. The following options are available:
CH Status: D • NOA No Advice
• SIA Single Advice
• CND Collective Advice No Details
• CWD Collective Advice With Details
If used, then "Code" must not be present.
Credit Suisse: Please see details Credit Suisse on element <PmtInf><BtchBookg>.
Element will be used to steer advice production at Credit Suisse. Only following values are used for
processing purposes: “NOA”, “SIA”, “CND”, “CWD”. Any other values will be ignored.

B CstmrCdtTrfInitn name: Currency
+PmtInf XML tag: Ccy
++DbtrAcct
Data type: ActiveOrHistoricCurrencyCode
+++Ccy
cardinality: 0..1 pattern [A-Z]{3,3}
CH Status: O ISO definition: Identification of the currency in which the account is held.
Usage: Currency should only be used in case one and the same account number covers several
currencies
and the initiating party needs to identify which currency needs to be used for settlement on the
account.
CH definition: Is currently ignored by financial institutions.
B CstmrCdtTrfInitn name: Debtor Agent
+PmtInf XML tag: DbtrAgt
++DbtrAgt
cardinality: 1..1
CH Status: M ISO definition: Financial institution servicing an account for the debtor.
CH definition: The Swiss financial institutions recommend entering the BIC or IID (institutional identification) in this
element.
Credit Suisse: Debtor Agent will be derived from Debtor Account with IBAN present. Thus is not mandatory.
B CstmrCdtTrfInitn name: Financial Institution Identification
+PmtInf XML tag: FinInstnId
++DbtrAgt
Data type: FinancialInstitutionIdentification7
+++FinInstnId
cardinality: 1..1 ISO definition: Unique and unambiguous identification of a financial institution, as assigned under an internationally
CH Status: M recognised or proprietary identification scheme.
B CstmrCdtTrfInitn name: BIC
+PmtInf XML tag: BIC
++DbtrAgt
Data type: BICIdentifier
+++FinInstnId
++++BIC pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3}){0,1}
cardinality: 0..1 ISO definition: Code allocated to a financial institution by the ISO 9362 Registration Authority as described in ISO
ErrorCode: RC01 9362 "Banking - Banking telecommunication messages - Business identifier code (BIC)".
CH Status: D CH definition: BIC of the Debtor Bank. If used, then "Clearing System Member Identification" must not be present.
example: <BIC>CRESCHZZ80A</BIC>
B CstmrCdtTrfInitn name: Clearing System Member Identification
+PmtInf XML tag: ClrSysMmbId
++DbtrAgt
Data type: ClearingSystemMemberIdentification2
+++FinInstnId
++++ClrSysMmbId ISO definition: Information used to identify a member within a clearing system.
cardinality: 0..1 CH definition: If used, then "BIC" must not be present.
CH Status: D
B CstmrCdtTrfInitn name: Clearing System Identification
+PmtInf XML tag: ClrSysId
++DbtrAgt
Data type: ClearingSystemIdentification2Choice
+++FinInstnId
++++ClrSysMmbId ISO definition: Specification of a pre-agreed offering between clearing agents or the channel through which the
+++++ClrSysId payment instruction is processed.
cardinality: 0..1
CH Status: O
+PmtInf XML tag: Cd
++DbtrAgt
Data type: ExternalClearingSystemIdentification1Code
+++FinInstnId
++++ClrSysMmbId length: 1 5
+++++ClrSysId ISO definition: Identification of a clearing system, in a coded form as published in an external list.
++++++Cd CH definition: Codes according "Payments External Code Lists" [7]. Only "CHBCC" is permitted in Switzerland. If
cardinality: 1..1 used, then "Proprietary" must not be present.
ErrorCode: CH16 Credit Suisse: Only value “CHBCC” is allowed.
CH Status: D
++DbtrAgt
+++FinInstnId
+++++ClrSysId ISO definition: Identification code for a clearing system, that has not yet been identified in the list of clearing
++++++Prtry systems.
cardinality: 1..1 CH definition: Must not be present.
ErrorCode: CH16
CH Status: N

evel message item description
B CstmrCdtTrfInitn name: Member Identification
+PmtInf XML tag: MmbId
++DbtrAgt
+++FinInstnId
+++++MmbId ISO definition: Identification of a member of a clearing system.
cardinality: 1..1 CH definition: ID of the Debtor Agent . Must be used if "Clearing System Member Identification" is used.
ErrorCode: AGNT
CH Status: M
B CstmrCdtTrfInitn name: Ultimate Debtor
+PmtInf XML tag: UltmtDbtr
++UltmtDbtr
cardinality: 0..1
ErrorCode: CH07 ISO definition: Ultimate party that owes an amount of money to the (ultimate) creditor.
CH Status: O CH definition: Can be used at B-Level or C-Level but not at both at the same time.
Credit Suisse: If element is present on both, the B- and the C-Levels, then the C-Level will be rejected with the
Status Reason Code "CH07".
B CstmrCdtTrfInitn name: Name
+PmtInf XML tag: Nm
++UltmtDbtr
+++Nm
CH Status: O ISO definition: Name by which a party is known and which is usually used to identify that party.
CH definition: Maximum 70 characters
B CstmrCdtTrfInitn name: Postal Address
++UltmtDbtr
+++PstlAdr
cardinality: 0..1 ISO definition: Information that locates and identifies a specific address, as defined by postal services.
CH Status: O CH definition: This information is structured and defined in the same way as the definitions for the Creditor (Index
2.79).
CH rules: Type 5: is not forwarded in interbank traffic.
Type 4 and type 6: "Address Line" element no longer provided from November 2022.
Credit Suisse: Within the Ultimate Debtor, the structured address variant should be provided for payment type 4
and 6 - already in November 2022.
Due to standardisation efforts, the structured address (with minimum "Town Name" and "Country"
code provided) will become mandatory in November 2025 - for all payment types. Credit Suisse
already recommends to use the structured address variant for all payment types.
+PmtInf XML tag: Id
++UltmtDbtr
+++Id
CH Status: O CH definition: Recommendation: do not use.
B CstmrCdtTrfInitn {Or name: Organisation Identification
++UltmtDbtr
+++Id
CH Status: D be present.
B CstmrCdtTrfInitn Or} name: Private Identification
++UltmtDbtr
+++Id

B CstmrCdtTrfInitn name: Charge Bearer
+PmtInf XML tag: ChrgBr
++ChrgBr
Data type: ChargeBearerType1Code
cardinality: 0..1
ErrorCode: FF01, ISO definition: Specifies which party/parties will bear the charges associated with the processing of the payment
CH16, transaction.
CH07 CH definition: Can be used at B-Level or C-Level but not at both at the same time. Permitted codes are:
CH Status: D • DEBT Borne by Debtor (ex OUR)
• CRED Borne by Creditor (ex BEN)
• SHAR Shared (ex. SHA)
• SLEV Service Level
CH rules: Type 5: If used, then "SLEV" must be used.
Credit Suisse: If element is present on both, the B- and the C-Levels, then the C-Level will be rejected with the
RsnCd: FF01
AddtlInf: Charge Bearer must be from any of the following ("DEBT","CRED","SHAR","SLEV")
RsnCd: CH16
AddtlInf: When Service Level Code is "SEPA" then expected value of Charge Bearer is "SLEV"
B CstmrCdtTrfInitn name: Charges Account
+PmtInf XML tag: ChrgsAcct
++ChrgsAcct
cardinality: 0..1
CH Status: O ISO definition: Account used to process charges associated with a transaction.
Usage: Charges account should be used when charges have to be booked to an account different
from the account identified in debtor's account.
CH definition: Not normally used, in this case any charges are made to the "Debtor Account".
Credit Suisse: It will not be used for processing purposes. When provided, it still must conform with the scheme.
Charges by default are made to the "Debtor Account".
+PmtInf XML tag: Id
++ChrgsAcct
+++Id
cardinality: 1..1 ISO definition: Unique and unambiguous identification for the account between the account owner and the account
CH Status: M servicer.
CH definition: Must be used if "Charges Account" is used.
B CstmrCdtTrfInitn {Or name: IBAN
++ChrgsAcct
+++Id
++++IBAN pattern [A-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,30}
cardinality: 1..1 ISO definition: International Bank Account Number (IBAN) - identifier used internationally by financial institutions to
ErrorCode: AC01 uniquely identify the account of a customer. Further specifications of the format and content of the
CH Status: R IBAN can be found in the standard ISO 13616 "Banking and related financial services - International
Bank Account Number (IBAN)" version 1997-10-01, or later revisions.
CH definition: Use of "IBAN" recommended. If used, "Other" must not be present.
B CstmrCdtTrfInitn Or} name: Other
++ChrgsAcct
+++Id
++++Othr ISO definition: Unique identification of an account, as assigned by the account servicer, using an identification
cardinality: 1..1 scheme.
ErrorCode: AC01 CH definition: If used, then "IBAN" must not be present.
CH Status: D
+PmtInf XML tag: Id
++ChrgsAcct
+++Id
+++++Id ISO definition: Identification assigned by an institution.
cardinality: 1..1 CH definition: Proprietary bank or postal account number. Must be used if "Other" is used.
ErrorCode: AC01
CH Status: M

B CstmrCdtTrfInitn name: Currency
+PmtInf XML tag: Ccy
++ChrgsAcct
+++Ccy
cardinality: 0..1 pattern [A-Z]{3,3}
CH Status: O ISO definition: Identification of the currency in which the account is held.
Usage: Currency should only be used in case one and the same account number covers several
currencies
and the initiating party needs to identify which currency needs to be used for settlement on the
account.
B CstmrCdtTrfInitn name: Credit Transfer Transaction Information
+PmtInf XML tag: CdtTrfTxInf
++CdtTrfTxInf
Data type: CreditTransferTransactionInformation10
cardinality: 1..unbounded
ErrorCode: CH21 ISO definition: Set of elements used to provide information on the individual transaction(s) included in the message.
CH Status: M
C CstmrCdtTrfInitn name: Payment Identification
+PmtInf XML tag: PmtId
++CdtTrfTxInf
Data type: PaymentIdentification1
+++PmtId
cardinality: 1..1 ISO definition: Set of elements used to reference a payment instruction.
ErrorCode: CH21
CH Status: M
C CstmrCdtTrfInitn name: Instruction Identification
+PmtInf XML tag: InstrId
++CdtTrfTxInf
+++PmtId
++++InstrId length: 1 35
cardinality: 0..1 ISO definition: Unique identification as assigned by an instructing party for an instructed party to unambiguously
ErrorCode: DU05, identify the instruction.
CH21
CH Status: R Usage: the instruction identification is a point to point reference that can be used between the
instructing party and the instructed party to refer to the individual instruction. It can be included in
several messages related to the instruction.
CH definition: Recommendation: Should be used and be unique within the B-Level. Only the SWIFT character set
is permitted for this element.
C CstmrCdtTrfInitn name: End To End Identification
+PmtInf XML tag: EndToEndId
++CdtTrfTxInf
+++PmtId
++++EndToEndId length: 1 35
cardinality: 1..1 ISO definition: Unique identification assigned by the initiating party to unumbiguously identify the transaction. This
ErrorCode: CH16 identification is passed on, unchanged, throughout the entire end-to-end chain.
CH Status: M
Usage: The end-to-end identification can be used for reconciliation or to link tasks relating to the
transaction. It can be included in several messages related to the transaction.
CH definition: Customer reference, normally forwarded as far as the beneficiary. Only the SWIFT character set is
permitted for this element.
CH rules: Type 1: not forwarded to the beneficiary.
Credit Suisse: If instruction ID is not present, end to end ID will be used as a booking reference for messages with
batch booking indicator equals “false”.
C CstmrCdtTrfInitn name: Payment Type Information
+PmtInf XML tag: PmtTpInf
++CdtTrfTxInf
Data type: PaymentTypeInformation19
+++PmtTpInf
cardinality: 0..1 ISO definition: Set of elements used to further specify the type of transaction.
ErrorCode: CH07 CH definition: Can be used at B-Level or C-Level, but normally not in both at the same time. Some institutions
CH Status: D permit it to be sent at both levels but not the same sub-element at both levels.
CH rules: Type 5: Use at B-Level is recommended.
Type 1, 2.1, 2.2: Use at C-Level is recommended.
Credit Suisse: If same sub-element with different value is present on both, B- and C-Levels, the C-Level will be
rejected with the Status Reason Code 'CH07' Payment. Local Instrument Proprietary cannot be
simultaneously used with Service Level Code “SEPA”.
RsnCd: CH07
AddtlInf: Payment Type Information can be used at B-Level or C-Level but not at both at the same time.

C CstmrCdtTrfInitn name: Instruction Priority
+PmtInf XML tag: InstrPrty
++CdtTrfTxInf
Data type: Priority2Code
+++PmtTpInf
++++InstrPrty ISO definition: Indicator of the urgency or order of importance that the instructing party would like the instructed
cardinality: 0..1 party to apply to the processing of the instruction.
CH Status: O CH definition: Any information about the Express processing should be sent at B- Level, values in this element are
ignored.
CH rules: Type 5: Must not be used.
Credit Suisse: It must be present at the B-level. Value at C-levels will be ignored.
C CstmrCdtTrfInitn name: Service Level
+PmtInf XML tag: SvcLvl
++CdtTrfTxInf
Data type: ServiceLevel8Choice
+++PmtTpInf
++++SvcLvl ISO definition: Agreement under which or rules under which the transaction should be processed.
cardinality: 0..1 CH definition: Service Level affects the way payment is made at the financial institution. The focus is on achieving
ErrorCode: CH17 the fastest possible credit for the creditor.
CH Status: O CH rules: Type 5: Use is recommended.
Credit Suisse: Usage of this component is only conditional, depending on the Credit Suisse payment types.
C CstmrCdtTrfInitn {Or name: Code
+PmtInf XML tag: Cd
++CdtTrfTxInf
Data type: ExternalServiceLevel1Code
+++PmtTpInf
++++SvcLvl length: 1 4
+++++Cd ISO definition: Specifies a pre-agreed service or level of service between the parties, as published in an external
cardinality: 1..1 service level code list.
ErrorCode: CH16 CH definition: Codes according "Payments External Code Lists".
CH Status: D The following values will be accepted by the financial institutions:
• SEPA (Single Euro Payments Area)
• PRPT (EBA Priority Service)
• SDVA (Same Day Value)
• URGP (Urgent Payment)
Other values from the external code list only to be used by agreement with the financial institution.
If used, then "Proprietary" must not be present.
CH rules: Type 5: Must be used if "Service Level" is used, only "SEPA" permitted.
Credit Suisse: Only value 'SEPA' is used for processing purposes. Other values do not trigger a special behavior. It
is recommended to be used at B-Level. It must not be used simultaneously at B-Level and C-Level.
RsnCd: CH16
AddtlInf: If Code is send, then Proprietary must not be present.
C CstmrCdtTrfInitn Or} name: Proprietary
++CdtTrfTxInf
+++PmtTpInf
++++SvcLvl length: 1 35
+++++Prtry ISO definition: Specifies a pre-agreed service or level of service between the parties, as a proprietary code.
cardinality: 1..1 CH definition: Is currently ignored by financial institutions. If used, then "Code" must not be present.
ErrorCode: CH17 CH rules: Type 5: Must not be used.
CH Status: BD Credit Suisse: Currently not used for processing purposes. However, when provided it must conform with the
scheme.
RsnCd: CH17
AddtlInf: Service Level Proprietary Code is not allowed for this payment type
C CstmrCdtTrfInitn name: Local Instrument
+PmtInf XML tag: LclInstrm
++CdtTrfTxInf
Data type: LocalInstrument2Choice
+++PmtTpInf
++++LclInstrm ISO definition: User community specific instrument.
cardinality: 0..1
ErrorCode: CH21 Usage: This element is used to specify a local instrument, local clearing option and/or further qualify
CH Status: D the service or service level.
CH rules: Type 1, 2.1, 2.2: Must be used.

+PmtInf XML tag: Cd
++CdtTrfTxInf
Data type: ExternalLocalInstrument1Code
+++PmtTpInf
++++LclInstrm length: 1 35
+++++Cd ISO definition: Specifies the local instrument, as published in an external local instrument code list.
cardinality: 1..1 CH definition: Codes according "Payments External Code Lists". If used, then "Proprietary" must not be present.
ErrorCode: NARR, Credit Suisse: Domestic CHF postal orders (Payment Type 7) are not supported. Value "CPP" (Payment Method
CH16, 'CHK' ) will be rejected with Status Reason Code NARR.
CH17 RsnCd: NARR
CH Status: D
AddtlInf: Payment Type 7 is not anymore supported
++CdtTrfTxInf
+++PmtTpInf
++++LclInstrm length: 1 35
+++++Prtry ISO definition: Specifies the local instrument, as a proprietary code.
cardinality: 1..1 CH definition: If used, then "Code" must not be present.
ErrorCode: CH17, CH rules: Type 1: "CH01" must be used.
CH16 Type 2.1: "CH02" must be used.
CH Status: D Type 2.2: "CH03" must be used.
Each in combination with PmtMtd = "TRF/TRA"
(becomes invalid with the end of the ISR/IS process on 30.09.2022).
Credit Suisse: The element is only allowed with the execution date up to 30.09.2022.
RsnCd: CH17
AddtlInf: If "Proprietary" is used, then "Code" must not be present.
C CstmrCdtTrfInitn name: Category Purpose
+PmtInf XML tag: CtgyPurp
++CdtTrfTxInf
Data type: CategoryPurpose1Choice
+++PmtTpInf
++++CtgyPurp ISO definition: Specifies the high level purpose of the instruction based on a set of pre-defined categories.
cardinality: 0..1 Usage: This is used by the initiating party to provide information concerning the processing of the
ErrorCode: CH17 payment. It is likely to trigger special processing by any of the agents involved in the payment chain.
CH Status: O CH definition: Any information about the purposedetails of the payment orderSALA/PENS should be sent at B-
Level, values in this element are ignored. Other ISO codes may be supported by agreement with the
financial institution.
RsnCd: CH17
AddtlInf: Category Purpose is not allowed for this payment type.
+PmtInf XML tag: Cd
++CdtTrfTxInf
Data type: ExternalCategoryPurpose1Code
+++PmtTpInf
++++CtgyPurp length: 1 4
+++++Cd ISO definition: Category purpose, as published in an external category purpose code list.
cardinality: 1..1 Credit Suisse: When provided it must conform with schema. This code has no effect on processing within Credit
ErrorCode: CH16 Suisse. Codes SALA=SalaryPayment and PENS=PensionPayment does not result in a differentt
processing.
Remark: Confidentiality of a salary payment must be instructured by setting <BatchBookg> to 'true'
and <DbtrAcct><Tp><Prty> to "CND" or "NOA".
C CstmrCdtTrfInitn name: Amount
+PmtInf XML tag: Amt
++CdtTrfTxInf
Data type: AmountType3Choice
+++Amt
cardinality: 1..1 ISO definition: Amount of money to be moved between the debtor and creditor, before deduction of charges,
CH Status: M expressed in the currency as ordered by the initiating party.
CH definition: Either as "Instructed Amount" or "Equivalent Amount". For each currency transferred one B-Level
must be created.
Credit Suisse: Mixing “Instructed Amount” with “Equivalent Amount” is not allowed within one B-level.

C CstmrCdtTrfInitn {Or name: Instructed Amount
+PmtInf XML tag: InstdAmt
++CdtTrfTxInf
Data type: ActiveOrHistoricCurrencyAndAmount
+++Amt
++++InstdAmt FractionDigits 5
cardinality: 1..1 TotalDigits 18
ErrorCode: AM01, ISO definition: Amount of money to be moved between the debtor and creditor, before deduction of charges,
AM02, expressed in the currency as ordered by the initiating party.
CH17 CH definition: If used, then "Equivalent Amount" must not be present.
CH Status: D CH rules: Type 1, 2.1, 2.2, 3: Must contain "CHF" or "EUR", the amount must be between 0.01 and
999999999.99.
Type 4: All currencies (by agreement with the financial institution) except "CHF" and "EUR"
permitted.
Type 5: Must contain "EUR", the amount must be between 0.01 and 999999999.99.
Type 6: All currencies (by agreement with the financial institution) permitted.
Credit Suisse: Credit Suisse dynamically checks the number of decimals depending on the currency, according to
ISO 4217.
RsnCd: AM01
AddtlInf: If "CurrencyAmount" is used, then "Equivalent Amount" must not be present.
RsnCd: AM02
AddtlInf: Instructed Amount is mandatory
RsnCd: CH17
AddtlInf: Instructed Amount must contain a valid amount with [n] decimal places.
AddtlInf: Instructed Amount [x] should be numeric with maximum [n] decimals and a value between [y] and [z]
C CstmrCdtTrfInitn Or} name: Equivalent Amount
+PmtInf XML tag: EqvtAmt
++CdtTrfTxInf
Data type: EquivalentAmount2
+++Amt
++++EqvtAmt ISO definition: Amount of money to be moved between the debtor and creditor, expressed in the currency of the
cardinality: 1..1 debtor's account, and the currency in which the amount is to be moved.
ErrorCode: AM02, CH definition: This element may only be used by agreement with the instructed financial institution. If used, then
CH17 "Instructed Amount" must not be present.
CH Status: BD CH rules: Type 1, 2.1, 2.2: Must not be used.
RsnCd: CH17
AddtlInf: If Equivalent Amount is used, then Instructed Amount must not be present.
RsnCd: AM02
AddtlInf: Equivalent Amount
++CdtTrfTxInf
+++Amt
++++EqvtAmt FractionDigits 5
+++++Amt TotalDigits 18
cardinality: 1..1 ISO definition: Amount of money to be moved between debtor and creditor, before deduction of charges,
ErrorCode: AM02, expressed in the currency of the debtor's account, and to be moved in a different currency.
CURR, Usage: The first agent will convert the equivalent amount into the amount to be moved.
AM03 CH definition: Amount must be 0.01 or more and 999999999.99 or less. Must be used if "Equivalent Amount" is
CH Status: M used.
CH rules: Type 3, 5: The amount must be between 0.01 and 999999999.99.
RsnCd: AM02
AddtlInf: Equivalent Amount is mandatory

C CstmrCdtTrfInitn name: Currency Of Transfer
+PmtInf XML tag: CcyOfTrf
++CdtTrfTxInf
+++Amt
++++EqvtAmt pattern [A-Z]{3,3}
+++++CcyOfTrf ISO definition: Specifies the currency of the to be transferred amount, which is different from the currency of the
cardinality: 1..1 debtor's account.
ErrorCode: CURR, CH definition: Must be used if "Equivalent Amount" is used.
AM03 CH rules: Type 3: Must contain CHF or EUR.
CH Status: M Type 4: All currencies (by agreement with the financial institution) except CHF and EUR permitted.
Type 5: Must contain EUR.
Type 6: All currencies (by agreement with the financial institution) permitted.
Credit Suisse: All C-Levels per one B-Level must contain same values for the Currency.
RsnCd: CURR
AddtlInf: Not allowed currency; specified message amount is a non processable currency outside of existing
agreement.
RsnCd: AM03
AddtlInf: All transactions must have the same currency
C CstmrCdtTrfInitn name: Exchange Rate Information
+PmtInf XML tag: XchgRateInf
++CdtTrfTxInf
Data type: ExchangeRateInformation1
+++XchgRateInf
cardinality: 0..1 ISO definition: Set of elements used to provide details on the currency exchange rate and contract.
ErrorCode: CH17 CH definition: This element may only be used by agreement with the instructed financial institution.
CH Status: BD Credit Suisse: Type 5: must not be used.
RsnCd: CH17
AddtlInf: Exchange Rate information should not be provided.
C CstmrCdtTrfInitn name: Exchange Rate
+PmtInf XML tag: XchgRate
++CdtTrfTxInf
Data type: BaseOneRate
+++XchgRateInf
++++XchgRate FractionDigits 10
cardinality: 0..1 TotalDigits 11
CH Status: O ISO definition: The factor used for conversion of an amount from one currency to another. This reflects the price at
which one currency was bought with another currency.
CH definition: Must be used if "Exchange Rate Information" is used. Exchange rates can always be supplied in
currency unit 1 or in the usual custom of the financial sector (e.g. in currency unit 1 for EUR, USD,
GBP or in currency unit 100 for JPY, DKK, SEK).
C CstmrCdtTrfInitn name: Rate Type
+PmtInf XML tag: RateTp
++CdtTrfTxInf
Data type: ExchangeRateType1Code
+++XchgRateInf
++++RateTp ISO definition: Specifies the type used to complete the currency exchange.
cardinality: 0..1 CH definition: Is currently ignored by financial institutions.
CH Status: O
C CstmrCdtTrfInitn name: Contract Identification
+PmtInf XML tag: CtrctId
++CdtTrfTxInf
+++XchgRateInf
++++CtrctId length: 1 35
cardinality: 0..1 ISO definition: Unique and unambiguous reference to the foreign exchange contract agreed between the initiating
CH Status: O party/creditor and the debtor agent.

C CstmrCdtTrfInitn name: Charge Bearer
+PmtInf XML tag: ChrgBr
++CdtTrfTxInf
Data type: ChargeBearerType1Code
+++ChrgBr
cardinality: 0..1 ISO definition: Specifies which party/parties will bear the charges associated with the processing of the payment
ErrorCode: CH07 transaction.
CH Status: O CH definition: Can be used at B-Level or C-Level but not at both at the same time. Permitted codes are:
• DEBT Borne by Debtor (ex OUR)
• CRED Borne by Creditor (ex BEN)
• SHAR Shared (ex. SHA)
• SLEV Service Level
Credit Suisse: If value is not present the default is set to 'SHAR'
If element is present on both, the B- and the C-Levels, then the C-Level will be rejected with the
RsnCd: CH07
AddtlInf: Can be used at B-Level or C-Level but not at both at the same time.
C CstmrCdtTrfInitn name: Cheque Instruction
+PmtInf XML tag: ChqInstr
++CdtTrfTxInf
Data type: Cheque6
+++ChqInstr
cardinality: 0..1 ISO definition: Set of elements needed to issue a cheque.
ErrorCode: CH17 CH definition: May only be used in combination with "PmtMtd" = "CHK".
CH Status: D CH rules: Type 1, 2.1, 2.2, 3, 4, 5, 6: Must not be used.
RsnCd: CH17
AddtlInf: Cheque Instruction must be used in combination with PmtMtd = CHK.
C CstmrCdtTrfInitn name: Cheque Type
+PmtInf XML tag: ChqTp
++CdtTrfTxInf
Data type: ChequeType2Code
+++ChqInstr
++++ChqTp ISO definition: Specifies the type of cheque to be issued.
cardinality: 0..1
CH Status: O
C CstmrCdtTrfInitn name: Delivery Method
+PmtInf XML tag: DlvryMtd
++CdtTrfTxInf
Data type: ChequeDeliveryMethod1Choice
+++ChqInstr
++++DlvryMtd ISO definition: Specifies the delivery method of the cheque by the debtor's agent.
cardinality: 0..1
CH Status: O
+PmtInf XML tag: Cd
++CdtTrfTxInf
Data type: ChequeDelivery1Code
+++ChqInstr
++++DlvryMtd ISO definition: Specifies the delivery method of the cheque by the debtor's agent.
+++++Cd
cardinality: 1..1
CH Status: D
++CdtTrfTxInf
+++ChqInstr
++++DlvryMtd length: 1 35
+++++Prtry ISO definition: Specifies a proprietary delivery method of the cheque by the debtor's agent.
cardinality: 1..1
CH Status: D
C CstmrCdtTrfInitn name: Ultimate Debtor
+PmtInf XML tag: UltmtDbtr
++CdtTrfTxInf
+++UltmtDbtr
cardinality: 0..1 ISO definition: Ultimate party that owes an amount of money to the (ultimate) creditor.
ErrorCode: CH07 CH definition: Usually not used. Can be used at B-Level or C-Level but not at both at the same time.
CH Status: O Credit Suisse: If element is present on both, the B- and the C-Levels, then the C-Level will be rejected with the
RsnCd: CH07
AddtlInf: Can be used at B-Level or C-Level but not at both at the same time.

C CstmrCdtTrfInitn name: Name
+PmtInf XML tag: Nm
++CdtTrfTxInf
+++UltmtDbtr
++++Nm length: 1 70
CH Status: O CH definition: Maximum 70 characters. Usually not used.
C CstmrCdtTrfInitn name: Postal Address
++CdtTrfTxInf
+++UltmtDbtr
++++PstlAdr ISO definition: Information that locates and identifies a specific address, as defined by postal services.
cardinality: 0..1 CH definition: Simultaneous use of the structured elements <StrtNm> / <BldgNb> / <PstCd> / <TwnNm> and
CH Status: O the unstructured element <AdrLine> is not permitted.
CH rules: Type 5: Is not forwarded in interbank traffic.
Credit Suisse: Within the Ultimate Debtor, the structured address variant should be provided for payment type 4
C CstmrCdtTrfInitn name: Identification
+PmtInf XML tag: Id
++CdtTrfTxInf
+++UltmtDbtr
++++Id ISO definition: Unique and unambiguous identification of a party.
cardinality: 0..1
CH Status: O
C CstmrCdtTrfInitn {Or name: Organisation Identification
++CdtTrfTxInf
+++UltmtDbtr
++++Id ISO definition: Unique and unambiguous way to identify an organisation.
+++++OrgId CH definition: Only "BICOrBEI" or an element from "Other" permitted. If used, the Private Identification must not be
cardinality: 1..1 present.
CH Status: O
C CstmrCdtTrfInitn Or} name: Private Identification
++CdtTrfTxInf
+++UltmtDbtr
++++Id ISO definition: Unique and unambiguous identification of a person, eg, passport.
+++++PrvtId CH definition: Only "Date And Place Of Birth" or an element from "Other" permitted. If used, Organisation
cardinality: 1..1 Identification must not be present.
CH Status: D
C CstmrCdtTrfInitn name: Intermediary Agent 1
+PmtInf XML tag: IntrmyAgt1
++CdtTrfTxInf
+++IntrmyAgt1
cardinality: 0..1 ISO definition: Agent between the debtor's agent and the creditor's agent.
ErrorCode: ED01,
RC01 Usage: If more than one intermediary agent is present, then IntermediaryAgent1 identifies the agent
CH Status: BD between the DebtorAgent and the IntermediaryAgent2.
CH definition: This element may only be used by agreement with the instructed financial institution. If used,
generally with BIC.
CH rules: Type 4 and 6: May be present.
Other types: Must not be sent.
RsnCd: ED01
AddtlInf: Intermediary Agent information should not be provided

C CstmrCdtTrfInitn name: Creditor Agent
+PmtInf XML tag: CdtrAgt
++CdtTrfTxInf
+++CdtrAgt
cardinality: 0..1 ISO definition: Financial institution servicing an account for the creditor.
ErrorCode: CH17 CH rules: Type 1, 2.1, 8: Must not be used.
CH Status: D Type 3: IBAN-only: Creditor Agent can be omitted where IBAN/QR-IBAN(CH/LI) is sent in the
Creditor Account.
If both the IBAN/QR-IBAN and the IID or BIC are sent, the Creditor Agent will be worked out from
the IBAN when the payment is executed.
Type 4: IBAN-only: Creditor Agent can be omitted where IBAN (CH/LI) is sent in the Creditor
Account. If both the IBAN (CH/LI)and the IID or BIC or name and address domestic financial
institution are sent, the Creditor Agent will be worked out from the IBAN when the payment is
executed.
Type 5: The Creditor Agent does not need to be entered for SEPA payments (payment type 5).
If both the IBAN/QR-IBAN and the IID or BIC are sent, the Creditor Agent will be worked out from
the IBAN when the payment is executed.
For all other payment types, the "Creditor Agent"
must be present.
Credit Suisse: No coherence check is currently performed by Credit Suisse for Creditor Agent BIC and Creditor
IBAN.
Type 6: When both BIC and IBAN are used simultaneously, the BIC will be used for processing
purposes. Creditor Agent is mandatory.
Type 2.2, 3, 4, 5: When both BIC and IBAN are used simultaneously, the IBAN will be used for
processing purposes.
RsnCd: CH17
AddtlInf: Creditor Agent is not allowed in Pain.001 Type 1, 2.1, and 8
C CstmrCdtTrfInitn name: Financial Institution Identification
+PmtInf XML tag: FinInstnId
++CdtTrfTxInf
Data type: FinancialInstitutionIdentification7
+++CdtrAgt
++++FinInstnId ISO definition: Unique and unambiguous identification of a financial institution, as assigned under an internationally
cardinality: 1..1 recognised or proprietary identification scheme.
CH Status: M CH definition: Must be used if "Creditor Agent" is used.
CH rules: Type 2.2:
• V1: IID
• V2: IID and postal account of the bank
• V3: Postal account of the bank and name of the bank
Type 3:
• V1: IID
• V2: IID Domestic (CH/LI)
• V3: IBAN-only: Creditor Agent can be omitted where IBAN/QR-IBAN is sent in the Creditor
Account.
Type 4:
• V1: BIC Domestic (CH/LI)
• V2: IID and Name and address of financial institution
• V3: IBAN-only: Name and address of financial institution
• V4: IBAN-only: Creditor Agent can be omitted where IBAN (CH/LI) is sent in the Creditor
Account.
Type 5: BIC
Type 6: Recommendation: use BIC.
• V1: BIC International
• V2: Bank code (without IID) and name and address of financial institution
• V3: Name and address of financial institution
Credit Suisse: No coherence check is currently performed by Credit Suisse for Creditor Agent BIC and Creditor
IBAN.
Type 6: When both BIC and IBAN are used simultaneously, the BIC will be used for processing
purposes. Creditor Agent is mandatory.
Type 2.2, 3, 4, 5: When both BIC and IBAN are used simultaneously, the IBAN will be used for
processing purposes.

C CstmrCdtTrfInitn name: BIC
+PmtInf XML tag: BIC
++CdtTrfTxInf
Data type: BICIdentifier
+++CdtrAgt
++++FinInstnId pattern [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3}){0,1}
+++++BIC ISO definition: Code allocated to a financial institution by the ISO 9362 Registration Authority as described in ISO
cardinality: 0..1 9362 "Banking - Banking telecommunication messages - Business identifier code (BIC)".
ErrorCode: Multiple CH definition: If used, then "Clearing System Member Identification" must not be present.
Ids may CH rules: Type 3(V2), 4(V1): May be present. When the payment is executed, the Creditor Agent is always
be worked out from the IBAN (CH/LI), if available.
present Type 5: May be present. With payment type 5, the Creditor Agent is always worked out from the
if IBAN for execution of the payment.
availabl Type 6: Must contain "BIC International".
e in Credit Suisse: No coherence check is currently performed by Credit Suisse for Creditor Agent BIC and Creditor
originati IBAN.
ng Type 6: When both BIC and IBAN are used simultaneously, the BIC will be used for processing
applicati purposes. Creditor Agent is mandatory.
on. One Type 2.2, 3, 4, 5: When both BIC and IBAN are used simultaneously, the IBAN will be used for
identific processing purposes.
ation is
RsnCd: CH21
required
. AddtlInf: Credit Party Agent Id is mandatory
CH Status: D
C CstmrCdtTrfInitn name: Clearing System Member Identification
+PmtInf XML tag: ClrSysMmbId
++CdtTrfTxInf
Data type: ClearingSystemMemberIdentification2
+++CdtrAgt
++++FinInstnId ISO definition: Information used to identify a member within a clearing system.
+++++ClrSysMmbId CH definition: If used, then "BIC" must not be present.
cardinality: 0..1 CH rules: Type 2.2(V1, V2), 3(V1), 4(V2), 6: May be present.
ErrorCode: CH17 Type 5: Must not be used.
CH Status: D RsnCd: CH17
AddtlInf: If "Clearing System Member Identification" is used, then "BIC" must not be present.
C CstmrCdtTrfInitn name: Clearing System Identification
+PmtInf XML tag: ClrSysId
++CdtTrfTxInf
Data type: ClearingSystemIdentification2Choice
+++CdtrAgt
++++FinInstnId ISO definition: Specification of a pre-agreed offering between clearing agents or the channel through which the
+++++ClrSysMmbId payment instruction is processed.
++++++ClrSysId CH definition: Must be used if "Clearing System Member Identification" is used.
cardinality: 0..1
CH Status: M
+PmtInf XML tag: Cd
++CdtTrfTxInf
Data type: ExternalClearingSystemIdentification1Code
+++CdtrAgt
++++FinInstnId length: 1 5
+++++ClrSysMmbId ISO definition: Identification of a clearing system, in a coded form as published in an external list.
++++++ClrSysId CH definition: Type of Clearing ID (Bank Code, "National Identifier"). Gives information about the type of
+++++++Cd identification in the "Member Identification" field.
cardinality: 1..1 Codes according "Payments External Code Lists". If used, then Proprietary must not be present.
ErrorCode: CH17 CH rules: Type 2.2(V1, V2), 3(V1), 4(V2): Must contain "CHBCC".
CH Status: D Type 6: If used, it must not contain "CHBCC".
Credit Suisse: "CHSIC" value is not allowed.
RsnCd: CH17
AddtlInf: If "Code" is used, then "Proprietary" must not be present.
++CdtTrfTxInf
+++CdtrAgt
+++++ClrSysMmbId ISO definition: Identification code for a clearing system, that has not yet been identified in the list of clearing
++++++ClrSysId systems.
+++++++Prtry CH definition: If used, then "Code" must not be present.
cardinality: 1..1 CH rules: Type 1, 2.1, 2.2, 3, 4, 5, 8: Must not be used.
ErrorCode: CH17
CH Status: D

C CstmrCdtTrfInitn name: Member Identification
+PmtInf XML tag: MmbId
++CdtTrfTxInf
+++CdtrAgt
+++++ClrSysMmbId ISO definition: Identification of a member of a clearing system.
++++++MmbId CH definition: Clearing ID (Bank Code, "National Identifier") of the receiver institution. Must be used if "Clearing
cardinality: 1..1 System Member Identification" is used.
ErrorCode: RC01 CH rules: Type 3(V1), 4(V2): When the payment is executed, the Creditor Agent is always worked out from
CH Status: M the IBAN (CH/LI), if available.
+PmtInf XML tag: Nm
++CdtTrfTxInf
+++CdtrAgt
+++++Nm ISO definition: Name by which an agent is known and which is usually used to identify that agent.
cardinality: 0..1 CH definition: Maximum 70 characters
ErrorCode: CH17 CH rules: Type 2.2(V3), 4(V2, V3), 6(V2, V3): Must be present.
CH Status: D Type 4(V2): May be present.
Type 4(V3): When the payment is executed, the Creditor Agent is always worked out from the IBAN
(CH/LI), if available.
Other types: Must not be present.
++CdtTrfTxInf
+++CdtrAgt
++++FinInstnId ISO definition: Information that locates and identifies a specific address, as defined by postal services.
+++++PstlAdr CH definition: Structured if possible. Simultaneous use of the structured elements <StrtNm> / <BldgNb> /
cardinality: 0..1 <PstCd> / <TwnNm> and the unstructured element <AdrLine> is not permitted.
ErrorCode: CH21 CH rules: Type 4(V3), 6(V2, V3): Must be present.
CH Status: D Type 4(V2): May be present.
Type 4(V3): When the payment is executed, the Creditor Agent is always worked out from the IBAN
(CH/LI), if available.
Other types: Must not be present.
C CstmrCdtTrfInitn name: Address Type
+PmtInf XML tag: AdrTp
++CdtTrfTxInf
Data type: AddressType2Code
+++CdtrAgt
++++FinInstnId ISO definition: Identifies the nature of the postal address.
+++++PstlAdr CH definition: Is currently ignored by financial institutions.
++++++AdrTp Credit Suisse: Not used for processing purposes. However, when provided it must conform with the scheme.
cardinality: 0..1
CH Status: O
C CstmrCdtTrfInitn name: Department
+PmtInf XML tag: Dept
++CdtTrfTxInf
+++CdtrAgt
+++++PstlAdr ISO definition: Identification of a division of a large organisation or building.
++++++Dept CH definition: Is currently ignored by financial institutions.
cardinality: 0..1 Credit Suisse: Not used for processing purposes. However, when provided it must conform with the scheme.
CH Status: O
C CstmrCdtTrfInitn name: Sub Department
+PmtInf XML tag: SubDept
++CdtTrfTxInf
+++CdtrAgt
+++++PstlAdr ISO definition: Identification of a sub-division of a large organisation or building.
++++++SubDept CH definition: Is currently ignored by financial institutions.
CH Status: O
C CstmrCdtTrfInitn name: Street Name
+PmtInf XML tag: StrtNm
++CdtTrfTxInf
+++CdtrAgt
+++++PstlAdr ISO definition: Name of a street or thoroughfare.
++++++StrtNm CH definition: Recommendation: Use.
cardinality: 0..1
CH Status: R

C CstmrCdtTrfInitn name: Building Number
+PmtInf XML tag: BldgNb
++CdtTrfTxInf
+++CdtrAgt
+++++PstlAdr ISO definition: Number that identifies the position of a building on a street.
++++++BldgNb CH definition: Recommendation: Use.
cardinality: 0..1
CH Status: R
C CstmrCdtTrfInitn name: Post Code
+PmtInf XML tag: PstCd
++CdtTrfTxInf
+++CdtrAgt
+++++PstlAdr ISO definition: Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist
++++++PstCd the sorting of mail.
cardinality: 0..1 CH definition: Recommendation: Use.
CH Status: R
C CstmrCdtTrfInitn name: Town Name
+PmtInf XML tag: TwnNm
++CdtTrfTxInf
+++CdtrAgt
+++++PstlAdr ISO definition: Name of a built-up area, with defined boundaries, and a local government.
++++++TwnNm CH definition: Recommendation: Use.
cardinality: 0..1
CH Status: R
C CstmrCdtTrfInitn name: Country Sub Division
+PmtInf XML tag: CtrySubDvsn
++CdtTrfTxInf
+++CdtrAgt
+++++PstlAdr ISO definition: Identifies a subdivision of a country such as state, region, county.
++++++CtrySubDvs CH definition: Is currently ignored by financial institutions.
n Credit Suisse: Not used for processing purposes. However, when provided it must conform with the scheme.
cardinality: 0..1
CH Status: O
C CstmrCdtTrfInitn name: Country
+PmtInf XML tag: Ctry
++CdtTrfTxInf
Data type: CountryCode
+++CdtrAgt
++++FinInstnId pattern [A-Z]{2,2}
+++++PstlAdr ISO definition: Nation with its own government.
++++++Ctry CH definition: Recommendation: Use.
cardinality: 0..1
CH Status: R
C CstmrCdtTrfInitn name: Address Line
+PmtInf XML tag: AdrLine
++CdtTrfTxInf
+++CdtrAgt
+++++PstlAdr ISO definition: Information that locates and identifies a specific address, as defined by postal services, presented in
++++++AdrLine free format text.
cardinality: 0..7 CH definition: Maximum two lines permitted.
CH Status: O
C CstmrCdtTrfInitn name: Other
++CdtTrfTxInf
Data type: GenericFinancialIdentification1
+++CdtrAgt
++++FinInstnId ISO definition: Unique identification of an agent, as assigned by an institution, using an identification scheme.
+++++Othr CH rules: Type 2.2(V2, V3): Must be present.
cardinality: 0..1 Other types: Must not be present.
ErrorCode: CH17
CH Status: D

+PmtInf XML tag: Id
++CdtTrfTxInf
+++CdtrAgt
+++++Othr ISO definition: Unique and unambiguous identification of a person.
++++++Id CH definition: Must be used if Other is used.
cardinality: 1..1 CH rules: Type 2.2(V2, V3): Must contain postal account of bank (example: "80-2-2" or "800000022").
ErrorCode: RC01
CH Status: M
C CstmrCdtTrfInitn name: Creditor
+PmtInf XML tag: Cdtr
++CdtTrfTxInf
+++Cdtr
cardinality: 0..1 ISO definition: Party to which an amount of money is due.
ErrorCode: CH21 CH rules: Type 1: May be present.
CH Status: D Other types: Must be present.
+PmtInf XML tag: Nm
++CdtTrfTxInf
+++Cdtr
++++Nm length: 1 70
ErrorCode: CH21 CH definition: Must be used if "Creditor" is used, maximum 70 characters.
CH Status: M Credit Suisse: Until November 2025 many systems and standards allow a range of 4x35 or 4x33 characters
positions for the Name and Address of the Creditor (Beneficiary). Therefore, Name and Address
elements (either structured or unstructured) will be mapped into 4 × 33 structured address lines in
case of legacy interbank standards, like SWIFT FIN. It cannot be guaranteed that all information will
be transmitted to the recipient, if the information provided exceeds 132 characters. It is
recommended, that for the Name and Postal Address elements - max 132 characters are provided
(4x33).
RsnCd: CH21
AddtlInf: Credit Party Name is mandatory for Payment Type "SEPA"

++CdtTrfTxInf
+++Cdtr
cardinality: 0..1 CH definition: If possible structured. Simultaneous use of the structured elements <StrtNm> / <BldgNb> /
CH Status: O <PstCd> / <TwnNm> and the unstructured element <AdrLine> is not permitted.
CH rules: Type 5: It is recommended to use the <Ctry> and <AdrLine> elements. If information is missing, it
can lead to rejections.
Credit Suisse:
code provided) will become mandatory in 2026. Credit Suisse already recommends to use the
structured address variant for all payment types. It should be noted, that from November 2025 the
unstructured address variant will be rejected.
Until November 2025 many systems and standards allow a range of 4x35 or 4x33 characters
positions for the Name and Address of the Creditor (Beneficiary). Therefore, Name and Address
elements (either structured or unstructured) will be mapped into 4×33 structured address lines in
case of legacy interbank standards, like SWIFT FIN. It cannot be guaranteed that all information will
be transmitted to the recipient, if the information provided exceeds 132 characters. It is
recommended, that for the Name and Postal Address elements - max 132 characters are provided
(4x33).
example: "Structured" recommended variant:
<PstlAdr>
<StrtNm>Musterstrasse</StrtNm>
<BldgNb>5</BldgNb>
<PstCd>8000</PstCd>
<TwnNm>Zurich</TwnNm>
<Ctry>CH</Ctry>
</PstlAdr>
or
"Unstructured" variant (until November 2025):
<PstlAdr>
<Ctry>CH</Ctry>
<AdrLine>Musterstrasse 5</AdrLine>
<AdrLine>8000 Zurich</AdrLine>
</PstlAdr>

++CdtTrfTxInf
+++Cdtr
++++PstlAdr ISO definition: Identifies the nature of the postal address.
+++++AdrTp CH definition: Is currently ignored by financial institutions.
ErrorCode: CH17
CH Status: O
++CdtTrfTxInf
+++Cdtr
++++PstlAdr length: 1 70
+++++Dept ISO definition: Identification of a division of a large organisation or building.
ErrorCode: CH17 Credit Suisse: Not used for processing purposes. However, when provided it must conform with the scheme.
CH Status: O
++CdtTrfTxInf
+++Cdtr
+++++SubDept ISO definition: Identification of a sub-division of a large organisation or building.
CH Status: O

++CdtTrfTxInf
+++Cdtr
+++++StrtNm ISO definition: Name of a street or thoroughfare.
ErrorCode: CH17 Credit Suisse: Type 5: Recommendation: Do not use.
CH Status: R
++CdtTrfTxInf
+++Cdtr
+++++BldgNb ISO definition: Number that identifies the position of a building on a street.
ErrorCode: CH17 Credit Suisse: Type 5: Recommendation: Do not use.
CH Status: R
++CdtTrfTxInf
+++Cdtr
+++++PstCd ISO definition: Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist
cardinality: 0..1 the sorting of mail.
ErrorCode: CH17 CH definition: Recommendation: Use.
CH Status: R CH rules: Type 5: Recommendation: Do not use.
Type 8: must be present.
++CdtTrfTxInf
+++Cdtr
+++++TwnNm ISO definition: Name of a built-up area, with defined boundaries, and a local government.
ErrorCode: CH17 CH rules: Type 5: Recommendation: Do not use.
CH Status: R Type 8: must be present.
Credit Suisse: If the structured address variant is used, then the "Country" and "Town Name" elements should be
supplied.
++CdtTrfTxInf
+++Cdtr
+++++CtrySubDvsn ISO definition: Identifies a subdivision of a country such as state, region, county.
CH Status: O
++CdtTrfTxInf
+++Cdtr
++++PstlAdr pattern [A-Z]{2,2}
+++++Ctry ISO definition: Nation with its own government.
cardinality: 0..1 CH definition: It is recommended to supply this element, especially in the case of foreign payments.
ErrorCode: BE09, CH rules: Type 7, 8: must be present.
CH21 Type 7: must contain CH or LI.
CH Status: R Credit Suisse: If the structured address variant is used, then the "Country" and "Town Name" elements should be
supplied.
RsnCd: BE09
AddtlInf: Credit Party Country

++CdtTrfTxInf
+++Cdtr
+++++AdrLine ISO definition: Information that locates and identifies a specific address, as defined by postal services, presented in
cardinality: 0..2 free format text.
ErrorCode: CH17 CH definition: Maximum two lines permitted. It is recommended to supply this element in the case of foreign
CH Status: D payments.
CH rules: Type 8: Must not be present.
Credit Suisse: The "Address Line" element is not recommended and will be rejected from November 2025.
+PmtInf XML tag: Id
++CdtTrfTxInf
+++Cdtr
cardinality: 0..1 CH rules: Type 1, 2.1, 2.2, 7, 8: Must not be used.
ErrorCode: CH17
CH Status: D
++CdtTrfTxInf
+++Cdtr
+++++OrgId CH definition: Either the "BICOrBEI" element or an element from "Other" may be used. If used, the "Private
cardinality: 1..1 Identification" must not be present.
CH Status: D
++CdtTrfTxInf
+++Cdtr
+++++PrvtId CH definition: Either the "Date And Place Of Birth" element or an element from "Other" may be used. If used,
cardinality: 1..1 "Organisation Identification" must not be present.
CH Status: D
C CstmrCdtTrfInitn name: Creditor Account
+PmtInf XML tag: CdtrAcct
++CdtTrfTxInf
+++CdtrAcct
cardinality: 0..1 ISO definition: Unambiguous identification of the account of the creditor to which a credit entry will be posted as a
ErrorCode: CH17, result of the payment transaction.
CH21 CH definition: Must not be used in combination with "PmtMtd = CHK".
CH Status: D CH rules: Type 1, 2.1, 2.2, 3, 4, 5, 6: must be present.
Type 2.2: must not contain a postal account number.
Type 8: must not be used.
+PmtInf XML tag: Id
++CdtTrfTxInf
+++CdtrAcct
++++Id ISO definition: Unique and unambiguous identification for the account between the account owner and the account
cardinality: 1..1 servicer.
CH Status: M CH definition: Recommendation: Whenever possible the IBAN should be used. Must be used if Creditor Account is
used.

C CstmrCdtTrfInitn {Or name: IBAN
++CdtTrfTxInf
+++CdtrAcct
++++Id pattern [A-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,30}
+++++IBAN ISO definition: International Bank Account Number (IBAN) - identifier used internationally by financial institutions to
cardinality: 1..1 uniquely identify the account of a customer. Further specifications of the format and content of the
ErrorCode: AC01, IBAN can be found in the standard ISO 13616 "Banking and related financial services - International
CH21 Bank Account Number (IBAN)" version 1997-10-01, or later revisions.
CH Status: D CH definition: If used, "Other" must not be present.
CH rules: Type 1, 2.1: Must not be used.
Type 2.2, 4, 6: Use is recommended.
Type 3: If used, an IBAN or QR-IBAN (CH/LI)
(IBAN-only) must be present.
Type 5: Must be present.
RsnCd: AC01
AddtlInf: Credit Party Account IBAN CH!!!!00000001 has invalid format
AddtlInf: Credit Party Account IBAN XX3704835833740031000 has invalid country
AddtlInf: Credit Party Account IBAN CH9704835833740031000 has invalid check digits
RsnCd: CH21
AddtlInf: Credit Party Account is mandatory
C CstmrCdtTrfInitn Or} name: Other
++CdtTrfTxInf
+++CdtrAcct
++++Id ISO definition: Unique identification of an account, as assigned by the account servicer, using an identification
+++++Othr scheme.
cardinality: 1..1 CH definition: If used, then "IBAN" must not be present.
ErrorCode: CH17 CH rules: Type 1, 2.1: must be present.
CH Status: D Type 2.2, 3, 4, 6: may be present.
Type 5: must not be used.
+PmtInf XML tag: Id
++CdtTrfTxInf
+++CdtrAcct
++++Id length: 1 34
+++++Othr ISO definition: Identification assigned by an institution.
++++++Id CH definition: Must be used if "Other" is used.
cardinality: 1..1 CH rules: Type 1: Must contain an ISR participant number:
ErrorCode: AC01 • Max. 11-character with hyphens: VV-XXXXXX-P (X = serial number right-aligned, no zeros on the
CH Status: M left)
Example: "01-162-8"
• Always 9-character without hyphens: VVXXXXXXP (X = serial number right-aligned, zeros on the
left)
Example: "010001628"
- VV = prefix: value is 01 or 03
- XXXXXX = serial number: must be >000000
- P = check digit in accordance with Modulo 10, recursive
Type 2.1: Must contain a postal account number

(e.g. "70-4152-8" or "700041528").
RsnCd: AC01
AddtlInf: For payment type "SEPA" Credit Party Account Type must be "IBAN"
C CstmrCdtTrfInitn name: Ultimate Creditor
+PmtInf XML tag: UltmtCdtr
++CdtTrfTxInf
+++UltmtCdtr
cardinality: 0..1 ISO definition: Ultimate party to which an amount of money is due.
ErrorCode: CH17 CH definition: In this element, the creditor and/or the debtor can further specify the ultimate creditor, for their own
CH Status: D purposes. The data is simply forwarded by the financial institutions (where technically possible).
CH rules: Type 1, 2.1, 2.2: must not be used
+PmtInf XML tag: Nm
++CdtTrfTxInf
+++UltmtCdtr
++++Nm length: 1 70
CH Status: M CH definition: Must be used if "Ultimate Creditor" is used, maximum 70 characters.

++CdtTrfTxInf
+++UltmtCdtr
cardinality: 0..1 CH definition: If possible structured. Simultaneous use of the structured elements <StrtNm> / <BldgNb> /
ErrorCode: CH17 <PstCd> / <TwnNm> and the unstructured element <AdrLine> is not permitted.
CH Status: D CH rules: Type 5: is not forwarded in interbank traffic.
Credit Suisse: Within the Ultimate Creditor, the structured address variant should be provided for payment type 4
++CdtTrfTxInf
+++UltmtCdtr
++++PstlAdr ISO definition: Identifies the nature of the postal address.
+++++AdrTp CH definition: Is currently ignored by financial institutions.
CH Status: O
++CdtTrfTxInf
+++UltmtCdtr
+++++Dept ISO definition: Identification of a division of a large organisation or building.
CH Status: O Credit Suisse: Not used for processing purposes. However, when provided it must conform with the scheme.
++CdtTrfTxInf
+++UltmtCdtr
+++++SubDept ISO definition: Identification of a sub-division of a large organisation or building.
++CdtTrfTxInf
+++UltmtCdtr
+++++StrtNm ISO definition: Name of a street or thoroughfare.
CH Status: R
++CdtTrfTxInf
+++UltmtCdtr
+++++BldgNb ISO definition: Number that identifies the position of a building on a street.
CH Status: R
++CdtTrfTxInf
+++UltmtCdtr
+++++PstCd ISO definition: Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist
cardinality: 0..1 the sorting of mail.
CH Status: R CH definition: Recommendation: Use.

++CdtTrfTxInf
+++UltmtCdtr
+++++TwnNm ISO definition: Name of a built-up area, with defined boundaries, and a local government.
CH Status: R Credit Suisse: If the structured address variant is used, then the "Country" and "Town Name" elements should be
supplied.
++CdtTrfTxInf
+++UltmtCdtr
+++++CtrySubDvsn ISO definition: Identifies a subdivision of a country such as state, region, county.
++CdtTrfTxInf
+++UltmtCdtr
++++PstlAdr pattern [A-Z]{2,2}
+++++Ctry ISO definition: Nation with its own government.
cardinality: 0..1 CH definition: Recommendation: use.
ErrorCode: BE09 Credit Suisse: If the structured address variant is used, then the "Country" and "Town Name" elements should be
CH Status: R supplied.
RsnCd: BE09
AddtlInf: Ultimate Credit Party Country
++CdtTrfTxInf
+++UltmtCdtr
+++++AdrLine ISO definition: Information that locates and identifies a specific address, as defined by postal services, presented in
cardinality: 0..2 free format text.
CH Status: O CH definition: Maximum two lines permitted.
Credit Suisse: The unstructured "Address Line" within Ulitmate Creditor should not be used for payment type 4 and
6 after November 2022.
Credit Suisse already recommends to use the structured address variant for all payment types. The
"Address Line" will be rejected from November 2025 for all payment types.
+PmtInf XML tag: Id
++CdtTrfTxInf
+++UltmtCdtr
cardinality: 0..1 CH rules: Type 8: must not be used.
ErrorCode: CH17
CH Status: D
++CdtTrfTxInf
+++UltmtCdtr
+++++OrgId CH definition: Either the "BICOrBEI" element or an element from "Other" may be used. If used, the "Private
cardinality: 1..1 Identification" must not be present.
CH Status: D
++CdtTrfTxInf
+++UltmtCdtr
+++++PrvtId CH definition: Either the "Date And Place Of Birth" element or an element from "Other" may be used. If used,
cardinality: 1..1 "Organisation Identification" must not be present.
CH Status: D

C CstmrCdtTrfInitn name: Instruction For Creditor Agent
+PmtInf XML tag: InstrForCdtrAgt
++CdtTrfTxInf
Data type: InstructionForCreditorAgent1
+++InstrForCdtrAgt
cardinality: 0..unbounded ISO definition: Further information related to the processing of the payment instruction, provided by the initiating
ErrorCode: CH16, party, and intended for the creditor agent.
CH17 CH definition: This element may only be used by agreement with the instructed financial institution. This element
CH Status: BD may, depending on the financial institution, contain different forms and instructions.
CH rules: Type 1, 2.1, 2.2, 3, 5, 8: Must not be used.
Credit Suisse: Instruction is passed to the Creditor Agent without prior check by Credit Suisse. When provided, it
must conform with the scheme.
C CstmrCdtTrfInitn name: Code
+PmtInf XML tag: Cd
++CdtTrfTxInf
Data type: Instruction3Code
+++InstrForCdtrAgt
++++Cd ISO definition: Coded information related to the processing of the payment instruction, provided by the initiating
cardinality: 0..1 party, and intended for the creditor's agent.
ErrorCode: CH16
CH Status: D
C CstmrCdtTrfInitn name: Instruction Information
+PmtInf XML tag: InstrInf
++CdtTrfTxInf
+++InstrForCdtrAgt
++++InstrInf length: 1 140
cardinality: 0..1 ISO definition: Further information complementing the coded instruction or instruction to the creditor's agent that is
ErrorCode: CH16 bilaterally agreed or specific to a user community.
CH Status: D
C CstmrCdtTrfInitn name: Instruction For Debtor Agent
+PmtInf XML tag: InstrForDbtrAgt
++CdtTrfTxInf
+++InstrForDbtrAgt
CH Status: BD ISO definition: Further information related to the processing of the payment instruction, that may need to be acted
upon by the debtor agent, depending on agreement between debtor and the debtor agent.
CH definition: This element may only be used by agreement with the instructed financial institution. May be used,
for example, to indicate payment products specific to the financial institution. This element may,
depending on the financial institution, contain different forms and instructions.
Credit Suisse: Note: The use of this element would lead to non straight through processing. Charges may apply.
C CstmrCdtTrfInitn name: Purpose
+PmtInf XML tag: Purp
++CdtTrfTxInf
Data type: Purpose2Choice
+++Purp
cardinality: 0..1 ISO definition: Underlying reason for the payment transaction.
ErrorCode: CH17 Usage: Purpose is used by the end-customers, that is initiating party, (ultimate) debtor, (ultimate)
CH Status: O creditor to provide information concerning the nature of the payment. Purpose is a content element,
which is not used for processing by any of the agents involved in the payment chain.
CH rules: Type 1: element is not forwarded.
+PmtInf XML tag: Cd
++CdtTrfTxInf
Data type: ExternalPurpose1Code
+++Purp
++++Cd length: 1 4
cardinality: 1..1 ISO definition: Underlying reason for the payment transaction, as published in an external purpose code list.
CH Status: M CH definition: Codes according "Payments External Code Lists". Must be used if "Purpose" is used.

C CstmrCdtTrfInitn name: Regulatory Reporting
+PmtInf XML tag: RgltryRptg
++CdtTrfTxInf
Data type: RegulatoryReporting3
+++RgltryRptg
cardinality: 0..10 ISO definition: Information needed due to regulatory and statutory requirements.
CH Status: O CH definition: Is required for payments to certain countries:
Currently United Arab Emirates (since 1.1.2019): All payments. May be present only once. If more
information is available it will be ignored by the financial institutions.
CH rules: Type 1, 2.1, 2.2, 3, 4, 5: Information will be ignored and not forwarded.
Type 6: Forwarded in interbank traffic.
Credit Suisse: Is required for payments to certain countries:
United Arab Emirates: all payments
Thailand: all payments
Type 6: Forwarded in interbank traffic.

Other types: Credit Suisse would not forward in interbank traffic.
Please contact Credit Suisse for the detailed guidelines regarding the Regulatory Reporting
requirements for each country.
C CstmrCdtTrfInitn name: Debit Credit Reporting Indicator
+PmtInf XML tag: DbtCdtRptgInd
++CdtTrfTxInf
Data type: RegulatoryReportingType1Code
+++RgltryRptg
++++DbtCdtRptgInd ISO definition: Identifies whether the regulatory reporting information applies to the debit side, to the credit side or
cardinality: 0..1 to both debit and credit sides of the transaction.
CH Status: M CH definition: Defines whether the information concerns the ordering party, the beneficiary or both. Permitted
codes are
• CRED (corresponds to BENEFRES in SWIFT Field 77B),
• DEBT (corresponds to ORDERRES in SWIFT Field 77B),
• BOTH
C CstmrCdtTrfInitn name: Authority
+PmtInf XML tag: Authrty
++CdtTrfTxInf
Data type: RegulatoryAuthority2
+++RgltryRptg
++++Authrty ISO definition: Entity requiring the regulatory reporting information.
cardinality: 0..1 CH definition: Information about the competent regulatory authority (central bank)
CH Status: O
+PmtInf XML tag: Nm
++CdtTrfTxInf
+++RgltryRptg
++++Authrty length: 1 140
+++++Nm ISO definition: Name of the entity requiring the regulatory reporting information.
cardinality: 0..1 CH definition: Name of the competent regulatory authority (central bank)
CH Status: O
++CdtTrfTxInf
+++RgltryRptg
++++Authrty pattern [A-Z]{2,2}
+++++Ctry ISO definition: Country of the entity that requires the regulatory reporting information.
cardinality: 0..1 CH definition: Is required for payments to certain countries:
CH Status: O United Arab Emirates: Required for all-currency payments to resident individuals/legal entities in the
United Arab Emirates.
C CstmrCdtTrfInitn name: Details
+PmtInf XML tag: Dtls
++CdtTrfTxInf
Data type: StructuredRegulatoryReporting3
+++RgltryRptg
++++Dtls ISO definition: Set of elements used to provide details on the regulatory reporting information.
cardinality: 0..unbounded CH definition: Must be sent if "Regulatory Reporting" is used. May be used only once.
CH Status: M
C CstmrCdtTrfInitn name: Type
+PmtInf XML tag: Tp
++CdtTrfTxInf
+++RgltryRptg
++++Dtls length: 1 35
+++++Tp ISO definition: Specifies the type of the information supplied in the regulatory reporting details.
cardinality: 0..1 CH definition: Must not be sent.
CH Status: N

C CstmrCdtTrfInitn name: Date
+PmtInf XML tag: Dt
++CdtTrfTxInf
Data type: ISODate
+++RgltryRptg
++++Dtls ISO definition: Date related to the specified type of regulatory reporting details.
+++++Dt CH definition: Must not be sent.
cardinality: 0..1
CH Status: N
++CdtTrfTxInf
+++RgltryRptg
++++Dtls pattern [A-Z]{2,2}
+++++Ctry ISO definition: Country related to the specified type of regulatory reporting details.
cardinality: 0..1 CH definition: Country for which the indication of the regulatory information is intended (usually the country of the
ErrorCode: BE09, regulatory authority).
CH16 If "Ctry" is used, either the element "Cd" or "Inf" must also be present.
CH Status: D
C CstmrCdtTrfInitn name: Code
+PmtInf XML tag: Cd
++CdtTrfTxInf
+++RgltryRptg
+++++Cd ISO definition: Specifies the nature, purpose, and reason for the transaction to be reported for regulatory and
cardinality: 0..1 statutory requirements in a coded form.
ErrorCode: RR05, CH definition: Reporting code as defined by the relevant regulatory authority (central bank). Provides information
CH21 about the nature or purpose of the payment.
CH Status: D May be used only together with the field "Ctry".
++CdtTrfTxInf
+++RgltryRptg
++++Dtls FractionDigits 5
+++++Amt TotalDigits 18
cardinality: 0..1 ISO definition: Amount of money to be reported for regulatory and statutory requirements.
CH Status: N CH definition: Must not be sent.
C CstmrCdtTrfInitn name: Information
+PmtInf XML tag: Inf
++CdtTrfTxInf
+++RgltryRptg
+++++Inf ISO definition: Additional details that cater for specific domestic regulatory requirements.
cardinality: 0..unbounded CH definition: May be used only twice. If more information is available it will be ignored by the financial institutions.
CH Status: N Use of this field must be agreed with the respective financial institution.
C CstmrCdtTrfInitn name: Remittance Information
+PmtInf XML tag: RmtInf
++CdtTrfTxInf
Data type: RemittanceInformation5
+++RmtInf
cardinality: 0..1 ISO definition: Information supplied to enable the matching of an entry with the items that the transfer is intended
CH Status: O to settle, such as commercial invoices in an accounts' receivable system.
CH definition: Either Structured or Unstructured
C CstmrCdtTrfInitn name: Unstructured
+PmtInf XML tag: Ustrd
++CdtTrfTxInf
+++RmtInf
++++Ustrd length: 1 140
cardinality: 0..1 ISO definition: Information supplied to enable the matching/reconciliation of an entry with the items that the
ErrorCode: CH15 payment is intended to settle, such as commercial invoices in an accounts' receivable system, in an
CH Status: D unstructured form.
CH definition: Only one occurrence is allowed, maximum 140 characters. If used, then "Structured" must not be
present.
CH rules: Type 1: must not be used.
Type 3: In association with QR-IBAN (CH/LI) this element must not be used.
RsnCd: CH15
AddtlInf: Remittance Unstructured exceeds 140 characters

C CstmrCdtTrfInitn name: Structured
+PmtInf XML tag: Strd
++CdtTrfTxInf
Data type: StructuredRemittanceInformation7
+++RmtInf
++++Strd ISO definition: Information supplied to enable the matching/reconciliation of an entry with the items that the
cardinality: 0..1 payment is intended to settle, such as commercial invoices in an accounts' receivable system, in a
ErrorCode: CH15, structured form.
CH17, CH definition: Only one occurrence is allowed, maximum 140 characters inclusive XML tags. If used, then
CH21 "Unstructured" must not be present.
CH Status: D CH rules: Type 1: Must be used.
Type 2.1, 2.2: Must not be used.
Type 3: May be used. In association with QR-IBAN (CH/LI) this element must be used.
Type 4, 5, 6, 8: May only contain maximum 140 characters including XML tags.
RsnCd: CH15
AddtlInf: Structured Remittance information may not exceed 140 characters
C CstmrCdtTrfInitn name: Referred Document Information
+PmtInf XML tag: RfrdDocInf
++CdtTrfTxInf
Data type: ReferredDocumentInformation3
+++RmtInf
++++Strd ISO definition: Set of elements used to identify the documents referred to in the remittance information.
+++++RfrdDocInf CH definition: Is currently ignored by financial institutions.
cardinality: 0..unbounded CH rules: Type 5: must not be used.
ErrorCode: CH17 Credit Suisse: This element is not used by Credit Suisse for processing purposes. However, the node must
CH Status: O conform with the scheme.
+PmtInf XML tag: Tp
++CdtTrfTxInf
Data type: ReferredDocumentType2
+++RmtInf
++++Strd ISO definition: Specifies the type of referred document.
+++++RfrdDocInf Credit Suisse: This element is not used by Credit Suisse for processing purposes. However, the element must
++++++Tp conform with the scheme.
cardinality: 0..1
CH Status: O
C CstmrCdtTrfInitn name: Code Or Proprietary
+PmtInf XML tag: CdOrPrtry
++CdtTrfTxInf
Data type: ReferredDocumentType1Choice
+++RmtInf
++++Strd ISO definition: Provides the type details of the referred document.
+++++++CdOrPrtry
cardinality: 1..1
CH Status: M
+PmtInf XML tag: Cd
++CdtTrfTxInf
Data type: DocumentType5Code
+++RmtInf
++++Strd ISO definition: Document type in a coded form.
+++++++CdOrPrtry
++++++++Cd
cardinality: 1..1
CH Status: M
++CdtTrfTxInf
+++RmtInf
++++Strd length: 1 35
+++++RfrdDocInf ISO definition: Proprietary identification of the type of the remittance document.
++++++Tp Credit Suisse: This element is not used by Credit Suisse for processing purposes. However, the element must
+++++++CdOrPrtry conform with the scheme.
++++++++Prtry
cardinality: 1..1
CH Status: M

C CstmrCdtTrfInitn name: Issuer
+PmtInf XML tag: Issr
++CdtTrfTxInf
+++RmtInf
+++++RfrdDocInf ISO definition: Identification of the issuer of the reference document type.
++++++Tp Credit Suisse: This element is not used by Credit Suisse for processing purposes. However, the element must
+++++++Issr conform with the scheme.
cardinality: 0..1
CH Status: O
C CstmrCdtTrfInitn name: Number
+PmtInf XML tag: Nb
++CdtTrfTxInf
+++RmtInf
+++++RfrdDocInf ISO definition: Unique and unambiguous identification of the referred document.
++++++Nb Credit Suisse: This element is not used by Credit Suisse for processing purposes. However, the element must
cardinality: 0..1 conform with the scheme.
CH Status: O
C CstmrCdtTrfInitn name: Related Date
+PmtInf XML tag: RltdDt
++CdtTrfTxInf
Data type: ISODate
+++RmtInf
++++Strd ISO definition: Date associated with the referred document.
++++++RltdDt conform with the scheme.
cardinality: 0..1
CH Status: O
C CstmrCdtTrfInitn name: Referred Document Amount
+PmtInf XML tag: RfrdDocAmt
++CdtTrfTxInf
Data type: RemittanceAmount1
+++RmtInf
++++Strd ISO definition: Set of elements used to provide details on the amounts of the referred document.
+++++RfrdDocAmt CH rules: Type 5: must not be used.
cardinality: 0..1 Credit Suisse: The node must conform with the scheme. It will be forwarded when possible.
ErrorCode: CH17
CH Status: O
C CstmrCdtTrfInitn name: Creditor Reference Information
+PmtInf XML tag: CdtrRefInf
++CdtTrfTxInf
Data type: CreditorReferenceInformation2
+++RmtInf
++++Strd ISO definition: Reference information provided by the creditor to allow the identification of the underlying
+++++CdtrRefInf documents.
cardinality: 0..1 CH definition: Creditor Reference Information
ErrorCode: CH21 CH rules: Type 1: must be used.
CH Status: D Type 3: May be used. In association with QR-IBAN (CH/LI) this element must not be used.
Type 4, 5, 6: may be used.
+PmtInf XML tag: Tp
++CdtTrfTxInf
Data type: CreditorReferenceType2
+++RmtInf
++++Strd ISO definition: Specifies the type of creditor reference.
+++++CdtrRefInf CH definition: Reference Type
++++++Tp CH rules: Type 1: Must not be used.
cardinality: 0..1 Type 3, 5: Must be used if "Creditor Reference Information" is used.
ErrorCode: CH21 Type 4, 6: May be used.
CH Status: D Credit Suisse: Type Code or Proprietary must be indicated when reference is present for Payment Type 3, 4, 5, 6.
C CstmrCdtTrfInitn name: Code Or Proprietary
+PmtInf XML tag: CdOrPrtry
++CdtTrfTxInf
Data type: CreditorReferenceType1Choice
+++RmtInf
++++Strd ISO definition: Coded or proprietary format creditor reference type.
+++++CdtrRefInf
++++++Tp
+++++++CdOrPrtry
cardinality: 1..1
CH Status: M

+PmtInf XML tag: Cd
++CdtTrfTxInf
Data type: DocumentType3Code
+++RmtInf
++++Strd ISO definition: Type of creditor reference, in a coded form.
+++++CdtrRefInf CH definition: Reference Type (Code)
++++++Tp The following code values are permitted:
+++++++CdOrPrtry • SCOR = Structured customer reference for the creditor
++++++++Cd If used, then "Proprietary" must not be present.
cardinality: 1..1 CH rules: Type 5: Must be used if "Creditor Reference Information" is used. Only the code "SCOR" is
ErrorCode: CH21 permitted.
CH Status: D Other types: Must be used when "ISO Creditor Reference" is used according to ISO 11649. Only
the code "SCOR" is permitted. Must not be used in combination with a QR-IBAN in the “Creditor
Account/IBAN” element.
++CdtTrfTxInf
+++RmtInf
+++++CdtrRefInf ISO definition: Creditor reference type, in a proprietary form.
++++++Tp CH definition: Reference Type (Proprietary)
+++++++CdOrPrtry The following code values are permitted:
++++++++Prtry • IPI = Structured reference according to IPI
cardinality: 1..1 • QRR = QR reference (in association with QR-bill)
ErrorCode: CH17 If used, then "Code" must not be present.
CH Status: D CH rules: Type 3: To give the structured QR reference from the QR invoice, this element must contain QRR
and may only be used in combination with a QR-IBAN in the “Creditor Account/IBAN” element.
Type 3, 4, 6: Can contain IPI to give the structured reference according to IPI.
C CstmrCdtTrfInitn name: Issuer
+PmtInf XML tag: Issr
++CdtTrfTxInf
+++RmtInf
+++++CdtrRefInf ISO definition: Entity that assigns the credit reference type.
++++++Tp
+++++++Issr
cardinality: 0..1
CH Status: O
C CstmrCdtTrfInitn name: Reference
+PmtInf XML tag: Ref
++CdtTrfTxInf
+++RmtInf
+++++CdtrRefInf ISO definition: Unique reference, as assigned by the creditor, to unambiguously refer to the payment transaction.
++++++Ref
cardinality: 0..1 Usage: If available, the initiating party should provide this reference in the structured remittance
ErrorCode: CH16 information, to enable reconciliation by the creditor upon receipt of the amount of money.
CH Status: D
If the business context requires the use of a creditor reference or a payment remit identification, and
only one identifier can be passed through the end-to-end chain, the creditor's reference or payment
remittance identification should be quoted in the end-to-end transaction identification.
CH rules: Type 1: Must contain an ISR reference number,must not contain only zeros.
Type 3: Must be used if "Creditor Reference Information" is used, must contain "Creditor Reference"
according to ISO 11649 or QR reference or IPI reference.
Type 5: Must be used if "Creditor Reference Information" is used, may contain "Creditor Reference"
according to ISO 11649.
Other types: Must be used if "Creditor Reference Information/Type" is used.
Credit Suisse: For domestic payment type Credit Suisse will validate the reference in line with ISO 11649
(combination with Type Code value "SCOR"), QR-reference structure (combination with Type
Proprietary "QRR") or in line with IPI structure (combination with Type Proprietary "IPI").
C CstmrCdtTrfInitn name: Invoicer
+PmtInf XML tag: Invcr
++CdtTrfTxInf
+++RmtInf
++++Strd ISO definition: Identification of the organisation issuing the invoice, when it is different from the creditor or ultimate
+++++Invcr creditor.
ErrorCode: CH17 Credit Suisse: The node must conform with the scheme. It will be forwarded when possible.
CH Status: O

C CstmrCdtTrfInitn name: Invoicee
+PmtInf XML tag: Invcee
++CdtTrfTxInf
+++RmtInf
++++Strd ISO definition: Identification of the party to whom an invoice is issued, when it is different from the debtor or
+++++Invcee ultimate debtor.
ErrorCode: CH17 Credit Suisse: The node must conform with the scheme. It will be forwarded when possible.
CH Status: O
C CstmrCdtTrfInitn name: Additional Remittance Information
+PmtInf XML tag: AddtlRmtInf
++CdtTrfTxInf
+++RmtInf
+++++AddtlRmtInf ISO definition: Additional information, in free text form, to complement the structured remittance information.
cardinality: 0..3 CH rules: Type 1: The element may only be used by agreement with the instructed financial institution.
ErrorCode: CH17 Type 2.1, 2.2, 4, 5, 6, 8: Must not be used.
CH Status: O Type 3: May occur once.
When using the element in an order from QR-bill, the conditions according to Annex C and the IG
QR-bill must be complied with.
Credit Suisse: It will be forwarded when possible. Only one occurrence allowed for domestic payment transactions
in Switzerland.
The element cannot be used as a stand-alone tag, but only to complement the structured remittance
information.

Contact
Our Electronic Banking Desk will be happy to help you
in person.
Call 0800 80 87 50* free of charge
Mon.-Fri., 8:00-17:00
credit-suisse.com/zvmigration
* Please note that telephone conversations may be recorded. By making a call,

you acknowledge your agreement with this business practice.
CREDIT SUISSE (Switzerland) Ltd.

P.O. Box 100
CH-8070 Zürich
credit-suisse.com
Credit Suisse (Switzerland) Ltd. and/or its affiliates ("Credit Suisse") provides no guarantee with regard to the content and completeness of the information and where legally
possible does not accept any liability for losses that might arise from making use of the information. The information provided herein is for the exclusive use of the recipient and may
not be reproduced, neither in part nor in full, without the written permission of Credit Suisse. Neither this information nor any copy thereof may be sent, taken into or distributed in
the United States or to any U. S. person (within the meaning of Regulation S under the US Securities Act of 1933, as amended). Your personal data will be processed in
accordance with the Credit Suisse privacy statement accessible at your domicile through the official Credit Suisse website https://www.credit-suisse.com Copyright © 2021 Credit
Suisse Group AG and/or its affiliates. All rights reserved.
43

Pain 001 001 03 Six

Uploaded by

Copyright:

Available Formats

Pain 001 001 03 Six

Uploaded by

Document Information

Original Title

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Pain 001 001 03 Six

Uploaded by

Copyright:

Available Formats

SPS Version: 1.

Message Implementation Guidelines

1. Notes on Credit Suisse Message Implementation Guidelines 3

1.1 Conventions for presentation 3

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 2

ISO 20022 Payments Standards

Credit Suisse Message

1.1 Conventions for presentation

In this document, the following conventions apply to presentation.

Representation of the tree structure in the tables

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 3

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 4

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 5

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 6

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 7

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 8

Effect on setting values for <BtchBookg> and <Prtry> (CstmrCdtTrfInitn/PmtInf/DbtrAcct/Tp/

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 9

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 10

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 11

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 12

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 13

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 14

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 15

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 16

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 17

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 18

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 19

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 20

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 21

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 22

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 23

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 24

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 25

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 26

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 27

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 28

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 29

example: "Structured" recommended variant:

"Unstructured" variant (until November 2025):

C CstmrCdtTrfInitn name: Address Type

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 30

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 31

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 32

Type 2.1: Must contain a postal account number

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 33

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 34

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 35

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 36

Type 6: Forwarded in interbank traffic.

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 37

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 38

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 39

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 40

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 41

Credit Suisse pain.001.001.03.ch.02 SPS 1.11 – Message Implementation Guidelines 42

* Please note that telephone conversations may be recorded. By making a call,

CREDIT SUISSE (Switzerland) Ltd.

You might also like