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. A service segment starting and uniquely identifying a message. The message type code for the Direct debit message is DIRDEB. Note: Direct debit messages conforming to this document must contain the following data in segment UNH, composite S009: Data element 0065 DIRDEB 0052 D 0054 13A 0051 UN

  2. A segment by means of which the sender must uniquely identify the DIRDEB message using its type (e.g., kind of pre-authorized instructions or not pre-authorized) and number and its function. The requirement for a response, e.g., related credit advices, may be indicated. Note: The identification of the DIRDEB will be passed back to the creditor for reconciliation purposes.

  3. A segment specifying the date and/or time the message is created.

  4. A segment identifying certain characteristics of the DIRDEB, such as, its business function. In so doing, it provides information about the message that may be used to route the message within an institution, for tariffing, or for the provision of some statistical information.

  5. Segment group 1
    Repeat 2

    1. A segment identifying a previously sent message.

    2. A segment identifying the date/time of the previously sent message.

  6. Segment group 2
    Repeat 5

    1. A segment identifying the financial institution associated with the transaction and their functions.

    2. A segment identifying a person or a department for the party specified in the leading FII segment to whom communication should be directed.

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

  7. Segment group 3
    Repeat 3

    1. A segment identifying names and addresses of the parties associated with the direct debit, in coded or uncoded form, and their functions.

    2. A segment identifying a person or a department for the party specified in the leading NAD segment and to whom communication should be directed.

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

  8. Segment group 4
    Repeat 9999

    1. A segment identifying the beginning of the credit side of the transaction (B level) by a sequential line number, which may also be used for reconciliation purposes.

    2. A segment identifying the date, at which an order has been requested to be executed or acted upon.

    3. A segment specifying reference of the single credit amount on the credit side of the transaction (B level). Note: The identification will be passed back to the creditor for reconciliation purposes.

    4. A segment identifying certain characteristics of the direct debits stored on the debit side of the transaction (C level), such as business function.

    5. A segment specifying the method for allocation of charges and allowances and identifying the creditor's account to which such charges or allowances should be directed where it is different from the principal account. This constitutes a default specification and is mutually exclusive with the FCA segment in Segment Group 11.

    6. Segment group 5
      Repeat 1

      1. A segment specifying the total amount and the currency to be collected.

      2. A segment specifying the source currency and the target currency of the transaction, when they are different. The rate of exchange is solely used when previously agreed between the creditor and the creditor's bank.

      3. A segment identifying the effective date and/or time the rate of exchange was fixed. The other occurrence identifies the reference date.

      4. A segment identifying other transactions to which funds associated with the direct debit are related such as separate foreign exchange deal.

    7. Segment group 6
      Repeat 1

      1. A segment identifying the financial institution and relevant account number associated with the transaction, and their functions.

      2. A segment identifying a person or a department for the party specified in the leading FII segment to whom communication should be directed.

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

    8. Segment group 7
      Repeat 3

      1. A segment identifying name and address of the non-financial institutions associated with the credit side of the transaction (B level).

      2. A segment identifying a person or a department for the party specified in the leading NAD segment to whom communication should be directed.

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

    9. Segment group 8
      Repeat 1

      1. A segment identifying the party to enact the instruction and the parties to be contacted. It specifies where appropriate the instruction in coded form.

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

      3. A segment specifying the earliest and latest dates and/or times by which the instruction specified in the INP and/or FTX segment(s) needs to be carried out.

    10. Segment group 9
      Repeat 10

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

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

      3. A segment giving the different origins/destinations (places) of goods/investment/services.

      4. A segment identifying a party related to the associated informative text.

      5. A segment giving the nature (e.g. goods, transport services) and direction of each transaction to be reported in coded form.

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

    11. Segment group 10
      Repeat 1

      1. A segment identifying the kind of process at the debtor's side.

      2. A segment providing clear form information from the creditor to the debtor.

    12. Segment group 11
      Repeat 999999

      1. A segment identifying the beginning of the debit side of the transaction (C level) by a sequential number, which may also be used for reconciliation purposes.

      2. A segment giving the amount of the direct debit. It is the amount to be collected. The currency is quoted on the credit side of the transaction (B level).

      3. A segment identifying date(s)/time(s) to the debtor's side.

      4. A segment identifying business information for the direct debit.

      5. A segment identifying a transaction from the creditor to the debtor and/or from the creditor to the creditor's bank.

      6. A segment specifying the conditions, method and channel of payment for the direct debit.

      7. A segment specifying the method for allocation of charges and allowances and identifying the creditor's account to which such charges or allowances should be directed where it is different from the principal account. This segment is mutually exclusive with the FCA segment in Segment Group 4.

      8. Segment group 12
        Repeat 3

        1. A segment identifying the financial institution and relevant account number associated with the transaction, and their functions.

        2. A segment identifying a person or a department for the party specified in the leading FII segment to whom communication should be directed.

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

      9. Segment group 13
        Repeat 3

        1. A segment identifying names and addresses of the non- financial institutions associated with the direct debit on the debtor's side .

        2. A segment identifying a person or a department for the party specified in the leading NAD segment to whom communication should be directed.

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

      10. Segment group 14
        Repeat 3

        1. A segment identifying the party to enact the instruction and the parties to be contacted. It specifies where appropriate the instruction in coded form.

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

        3. A segment specifying the earliest and latest dates and/or times by which the instruction specified in the INP and/or FTX segment(s) needs to be carried out.

      11. Segment group 15
        Repeat 10

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

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

        3. A segment giving the different origins/destinations (places) of goods/investment/services.

        4. A segment identifying a party related to the associated informative text.

        5. A segment giving the nature (e.g. goods, transport services) and direction of each transaction to be reported in coded form.

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

      12. Segment group 16
        Repeat 1

        1. A segment identifying the kind of processing at the debtor's side.

        2. A segment providing free text instruction(s) relating to the direct debit details.

        3. Segment group 17
          Repeat 9999

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

          2. A segment giving the monetary amounts of each reference document (e.g., original amount, discount amount etc.). The amount due and the amount remitted are mandatory.

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

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

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

          6. Segment group 18
            Repeat 5

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

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

          7. Segment group 19
            Repeat 100

            1. A segment indicating any adjustments to the amounts originally specified in the referenced document, and to which items such adjustments apply, with the associated reason for adjustment.

            2. A segment giving the monetary amounts of the adjustments of each reference document (e.g. original amounts, discount amount, etc.). The currency data elements should not be used.

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

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

          8. Segment group 20
            Repeat 1000

            1. A segment identifying a specific line item within the reference document.

            2. A segment giving the monetary amounts for this line item.

            3. A segment specifying item identification codes where required.

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

            5. Segment group 21
              Repeat 5

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

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

            6. Segment group 22
              Repeat 10

              1. A segment indicating any adjustments to the amounts originally specified in the referenced document, and to which items such adjustments apply with the associated reason for adjustment.

              2. A segment giving the monetary amounts of the adjustments of each reference document (e.g. original amounts, discount amounts, etc.). The currency data elements should not be used.

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

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

        4. Segment group 23
          Repeat 1

          1. A segment identifying the end of the details of payment.

          2. A segment indicating total amounts for control purposes.

  9. A segment providing information on control totals.

  10. Segment group 24
    Repeat 5

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

    2. A segment identifying the validation date/time.

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

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