DIRDEB Direct debit

TBG5 Finance

Prior to the Direct Debit procedure, some agreement(s) would usually have been concluded :

- agreement between the Creditor and his Bank (mainly to specify the conditions of credit and the kind of direct debit).

- agreement between the Debtor and the Debtor's Bank (i.e. pre- authorization and condition of debit), or between the Creditor and the Debtor.

A Direct Debit is sent by the Creditor to the Creditor's Bank instructing it to claim specified amount(s) from the Debtor(s) and to credit the amount(s) to an account specified in the message, which the Creditor's Bank services for the Creditor in settlement of the referenced transaction(s).

Throughout this document the term 'Creditor' refers to either a Beneficiary or a Payee, likewise the term 'Debtor' refers to either an Ordering Customer or a Payor.

The term 'Bank' may be interpreted as any financial institution.

The term 'pre-authorization' refers to an agreement between a Creditor and a Debtor for

- either automatic debiting, as required,

- or for debiting unless rejected by the debtor in a period of time.

The agreement can also be made between the debtor and his bank, independently of the amount of the DIRDEB.

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Header

Position
Segment
Name
Max use

  1. To head, identify and specify a message.

  2. To indicate the type and function of a message and to transmit the identifying number.

  3. To specify date, and/or time, or period.

  4. To provide information related to the processing and purpose of a financial message.

  5. Segment group 1
    Repeat 2

    1. To specify a reference.

    2. To specify date, and/or time, or period.

  6. Segment group 2
    Repeat 5

    1. To identify an account and a related financial institution.

    2. To identify a person or a department to whom communication should be directed.

    3. To identify a communication number of a department or a person to whom communication should be directed.

  7. Segment group 3
    Repeat 3

    1. To specify the name/address and their related function, either by C082 only and/or unstructured by C058 or structured by C080 thru 3207.

    2. To identify a person or a department to whom communication should be directed.

    3. To identify a communication number of a department or a person to whom communication should be directed.

  8. Segment group 4
    Repeat 9999

    1. To identify a line item and configuration.

    2. To specify date, and/or time, or period.

    3. To specify a reference.

    4. To provide information related to the processing and purpose of a financial message.

    5. Description of allocation of charges.

    6. Segment group 5
      Repeat 1

      1. To specify a monetary amount.

      2. To specify currencies used in the transaction and relevant details for the rate of exchange.

      3. To specify date, and/or time, or period.

      4. To specify a reference.

    7. Segment group 6
      Repeat 1

      1. To identify an account and a related financial institution.

      2. To identify a person or a department to whom communication should be directed.

      3. To identify a communication number of a department or a person to whom communication should be directed.

    8. Segment group 7
      Repeat 3

      1. To specify the name/address and their related function, either by C082 only and/or unstructured by C058 or structured by C080 thru 3207.

      2. To identify a person or a department to whom communication should be directed.

      3. To identify a communication number of a department or a person to whom communication should be directed.

    9. Segment group 8
      Repeat 1

      1. To specify parties to an instruction, the instruction, or both.

      2. To provide free form or coded text information.

      3. To specify date, and/or time, or period.

    10. Segment group 9
      Repeat 10

      1. To identify processing information.

      2. To specify a monetary amount.

      3. To identify a place or a location and/or related locations.

      4. To specify the name/address and their related function, either by C082 only and/or unstructured by C058 or structured by C080 thru 3207.

      5. To specify sector/subject requirements and conditions.

      6. To provide free form or coded text information.

    11. Segment group 10
      Repeat 1

      1. To identify a process.

      2. To provide free form or coded text information.

    12. Segment group 11
      Repeat 999999

      1. To provide details relating to the sequence.

      2. To specify a monetary amount.

      3. To specify date, and/or time, or period.

      4. To provide information related to the processing and purpose of a financial message.

      5. To specify a reference.

      6. To specify the instructions for payment.

      7. Description of allocation of charges.

      8. Segment group 12
        Repeat 3

        1. To identify an account and a related financial institution.

        2. To identify a person or a department to whom communication should be directed.

        3. To identify a communication number of a department or a person to whom communication should be directed.

      9. Segment group 13
        Repeat 3

        1. To specify the name/address and their related function, either by C082 only and/or unstructured by C058 or structured by C080 thru 3207.

        2. To identify a person or a department to whom communication should be directed.

        3. To identify a communication number of a department or a person to whom communication should be directed.

      10. Segment group 14
        Repeat 3

        1. To specify parties to an instruction, the instruction, or both.

        2. To provide free form or coded text information.

        3. To specify date, and/or time, or period.

      11. Segment group 15
        Repeat 10

        1. To identify processing information.

        2. To specify a monetary amount.

        3. To identify a place or a location and/or related locations.

        4. To specify the name/address and their related function, either by C082 only and/or unstructured by C058 or structured by C080 thru 3207.

        5. To specify sector/subject requirements and conditions.

        6. To provide free form or coded text information.

      12. Segment group 16
        Repeat 1

        1. To identify a process.

        2. To provide free form or coded text information.

        3. Segment group 17
          Repeat 9999

          1. To identify documents and details directly related to it.

          2. To specify a monetary amount.

          3. To specify date, and/or time, or period.

          4. To specify a reference.

          5. To specify the name/address and their related function, either by C082 only and/or unstructured by C058 or structured by C080 thru 3207.

          6. Segment group 18
            Repeat 5

            1. To specify currencies used in the transaction and relevant details for the rate of exchange.

            2. To specify date, and/or time, or period.

          7. Segment group 19
            Repeat 100

            1. To identify the reason for an adjustment.

            2. To specify a monetary amount.

            3. To specify a reference.

            4. To provide free form or coded text information.

          8. Segment group 20
            Repeat 1000

            1. To specify the processing mode of a specific line within a referenced document.

            2. To specify a monetary amount.

            3. To specify additional or substitutional item identification codes.

            4. To specify date, and/or time, or period.

            5. Segment group 21
              Repeat 5

              1. To specify currencies used in the transaction and relevant details for the rate of exchange.

              2. To specify date, and/or time, or period.

            6. Segment group 22
              Repeat 10

              1. To identify the reason for an adjustment.

              2. To specify a monetary amount.

              3. To specify a reference.

              4. To provide free form or coded text information.

        4. Segment group 23
          Repeat 1

          1. To identify processing information.

          2. To specify a monetary amount.

  9. To provide control total.

  10. Segment group 24
    Repeat 5

    1. To specify results of the application of an authentication procedure.

    2. To specify date, and/or time, or period.

  11. To end and check the completeness of a message.

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