DIRDEB Direct debit

Western European EDIFACT Board - MD4

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.

Header

1. 0010 · UNH · Message header · Max 1 · Mandatory

   To head, identify and specify a message.

2. 0020 · BGM · Beginning of message · Max 1 · Mandatory

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

3. 0030 · DTM · Date/time/period · Max 1 · Mandatory

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

4. 0040 · BUS · Business function · Max 1 · Conditional

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

5. Segment group 1 Repeat 2

   1. 0060 · RFF · Reference · Max 1 · Mandatory

      To specify a reference.

   2. 0070 · DTM · Date/time/period · Max 1 · Conditional

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

6. Segment group 2 Repeat 5

   1. 0090 · FII · Financial institution information · Max 1 · Mandatory

      To identify an account and a related financial institution.

   2. 0100 · CTA · Contact information · Max 1 · Conditional

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

   3. 0110 · COM · Communication contact · Max 5 · Conditional

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

7. Segment group 3 Repeat 3

   1. 0130 · NAD · Name and address · Max 1 · Mandatory

      To specify the name/address and their related function, either by CO82 only and/or unstructured by CO58 or structured by CO80 thru 3207.

   2. 0140 · CTA · Contact information · Max 1 · Conditional

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

   3. 0150 · COM · Communication contact · Max 5 · Conditional

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

8. Segment group 4 Repeat 9999

   1. 0170 · LIN · Line item · Max 1 · Mandatory

      To identify a line item and configuration.

   2. 0180 · DTM · Date/time/period · Max 1 · Conditional

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

   3. 0190 · RFF · Reference · Max 2 · Conditional

      To specify a reference.

   4. 0200 · BUS · Business function · Max 1 · Conditional

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

   5. 0210 · FCA · Financial charges allocation · Max 1 · Conditional

      Description of allocation of charges.

   6. Segment group 5 Repeat 1

      1. 0230 · MOA · Monetary amount · Max 1 · Mandatory

         To specify a monetary amount.

      2. 0240 · CUX · Currencies · Max 1 · Conditional

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

      3. 0250 · DTM · Date/time/period · Max 2 · Conditional

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

      4. 0260 · RFF · Reference · Max 1 · Conditional

         To specify a reference.

   7. Segment group 6 Repeat 1

      1. 0280 · FII · Financial institution information · Max 1 · Mandatory

         To identify an account and a related financial institution.

      2. 0290 · CTA · Contact information · Max 1 · Conditional

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

      3. 0300 · COM · Communication contact · Max 5 · Conditional

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

   8. Segment group 7 Repeat 3

      1. 0320 · NAD · Name and address · Max 1 · Mandatory

         To specify the name/address and their related function, either by CO82 only and/or unstructured by CO58 or structured by CO80 thru 3207.

      2. 0330 · CTA · Contact information · Max 1 · Conditional

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

      3. 0340 · COM · Communication contact · Max 5 · Conditional

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

   9. Segment group 8 Repeat 1

      1. 0360 · INP · Parties and instruction · Max 1 · Mandatory

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

      2. 0370 · FTX · Free text · Max 1 · Conditional

         To provide free form or coded text information.

      3. 0380 · DTM · Date/time/period · Max 2 · Conditional

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

   10. Segment group 9 Repeat 10

       1. 0400 · GIS · General indicator · Max 1 · Mandatory

          To transmit a processing indicator.

       2. 0410 · MOA · Monetary amount · Max 1 · Conditional

          To specify a monetary amount.

       3. 0420 · LOC · Place/location identification · Max 2 · Conditional

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

       4. 0430 · NAD · Name and address · Max 1 · Conditional

          To specify the name/address and their related function, either by CO82 only and/or unstructured by CO58 or structured by CO80 thru 3207.

       5. 0440 · RCS · Requirements and conditions · Max 1 · Conditional

          To specify sector/subject requirements and conditions.

       6. 0450 · FTX · Free text · Max 10 · Conditional

          To provide free form or coded text information.

   11. Segment group 10 Repeat 1

       1. 0470 · PRC · Process identification · Max 1 · Mandatory

          To identify a process.

       2. 0480 · FTX · Free text · Max 1 · Mandatory

          To provide free form or coded text information.

   12. Segment group 11 Repeat 99999

       1. 0500 · SEQ · Sequence details · Max 1 · Mandatory

          To provide details relating to the sequence.

       2. 0510 · MOA · Monetary amount · Max 1 · Mandatory

          To specify a monetary amount.

       3. 0520 · DTM · Date/time/period · Max 1 · Conditional

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

       4. 0530 · BUS · Business function · Max 1 · Conditional

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

       5. 0540 · RFF · Reference · Max 3 · Conditional

          To specify a reference.

       6. 0550 · PAI · Payment instructions · Max 1 · Conditional

          To specify the instructions for payment.

       7. 0560 · FCA · Financial charges allocation · Max 1 · Conditional

          Description of allocation of charges.

       8. Segment group 12 Repeat 3

          1. 0580 · FII · Financial institution information · Max 1 · Mandatory

             To identify an account and a related financial institution.

          2. 0590 · CTA · Contact information · Max 1 · Conditional

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

          3. 0600 · COM · Communication contact · Max 5 · Conditional

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

       9. Segment group 13 Repeat 3

          1. 0620 · NAD · Name and address · Max 1 · Mandatory

             To specify the name/address and their related function, either by CO82 only and/or unstructured by CO58 or structured by CO80 thru 3207.

          2. 0630 · CTA · Contact information · Max 1 · Conditional

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

          3. 0640 · COM · Communication contact · Max 5 · Conditional

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

       10. Segment group 14 Repeat 3

           1. 0660 · INP · Parties and instruction · Max 1 · Mandatory

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

           2. 0670 · FTX · Free text · Max 1 · Conditional

              To provide free form or coded text information.

           3. 0680 · DTM · Date/time/period · Max 2 · Conditional

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

       11. Segment group 15 Repeat 10

           1. 0700 · GIS · General indicator · Max 1 · Mandatory

              To transmit a processing indicator.

           2. 0710 · MOA · Monetary amount · Max 1 · Conditional

              To specify a monetary amount.

           3. 0720 · LOC · Place/location identification · Max 2 · Conditional

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

           4. 0730 · NAD · Name and address · Max 1 · Conditional

              To specify the name/address and their related function, either by CO82 only and/or unstructured by CO58 or structured by CO80 thru 3207.

           5. 0740 · RCS · Requirements and conditions · Max 1 · Conditional

              To specify sector/subject requirements and conditions.

           6. 0750 · FTX · Free text · Max 10 · Conditional

              To provide free form or coded text information.

       12. Segment group 16 Repeat 1

           1. 0770 · PRC · Process identification · Max 1 · Mandatory

              To identify a process.

           2. 0780 · FTX · Free text · Max 5 · Conditional

              To provide free form or coded text information.

           3. Segment group 17 Repeat 9999

              1. 0800 · DOC · Document/message details · Max 1 · Mandatory

                 To identify documents and details directly related to it.

              2. 0810 · MOA · Monetary amount · Max 5 · Conditional

                 To specify a monetary amount.

              3. 0820 · DTM · Date/time/period · Max 5 · Conditional

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

              4. 0830 · RFF · Reference · Max 5 · Conditional

                 To specify a reference.

              5. 0840 · NAD · Name and address · Max 2 · Conditional

                 To specify the name/address and their related function, either by CO82 only and/or unstructured by CO58 or structured by CO80 thru 3207.

              6. Segment group 18 Repeat 5

                 1. 0860 · CUX · Currencies · Max 1 · Mandatory

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

                 2. 0870 · DTM · Date/time/period · Max 1 · Conditional

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

              7. Segment group 19 Repeat 100

                 1. 0890 · AJT · Adjustment details · Max 1 · Mandatory

                    To identify the reason for an adjustment.

                 2. 0900 · MOA · Monetary amount · Max 1 · Mandatory

                    To specify a monetary amount.

                 3. 0910 · RFF · Reference · Max 1 · Conditional

                    To specify a reference.

                 4. 0920 · FTX · Free text · Max 5 · Conditional

                    To provide free form or coded text information.

              8. Segment group 20 Repeat 1000

                 1. 0940 · DLI · Document line identification · Max 1 · Mandatory

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

                 2. 0950 · MOA · Monetary amount · Max 5 · Mandatory

                    To specify a monetary amount.

                 3. 0960 · PIA · Additional product id · Max 5 · Conditional

                    To specify additional or substitutional item identification codes.

                 4. 0970 · DTM · Date/time/period · Max 5 · Conditional

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

                 5. Segment group 21 Repeat 5

                    1. 0990 · CUX · Currencies · Max 1 · Mandatory

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

                    2. 1000 · DTM · Date/time/period · Max 1 · Conditional

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

                 6. Segment group 22 Repeat 10

                    1. 1020 · AJT · Adjustment details · Max 1 · Mandatory

                       To identify the reason for an adjustment.

                    2. 1030 · MOA · Monetary amount · Max 1 · Mandatory

                       To specify a monetary amount.

                    3. 1040 · RFF · Reference · Max 1 · Conditional

                       To specify a reference.

                    4. 1050 · FTX · Free text · Max 5 · Conditional

                       To provide free form or coded text information.

           4. Segment group 23 Repeat 1

              1. 1070 · GIS · General indicator · Max 1 · Mandatory

                 To transmit a processing indicator.

              2. 1080 · MOA · Monetary amount · Max 5 · Conditional

                 To specify a monetary amount.

9. 1090 · CNT · Control total · Max 5 · Conditional

   To provide control total.

10. Segment group 24 Repeat 5

    1. 1110 · AUT · Authentication result · Max 1 · Mandatory

       To specify results of the application of an authentication procedure.

    2. 1120 · DTM · Date/time/period · Max 1 · Conditional

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

11. 1130 · UNT · Message trailer · Max 1 · Mandatory

    To end and check the completeness of a message.