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Import CHAPS payments by XML Non-IBAN

  • You can import payments into Commercial Banking Online using XML. We recommend that your IT department sets up your XML files.
    The information on this page is designed to show which tags are optional or mandatory, and specify the correct format for your data.
    We currently use the ISO 20022 PAIN 001.001.003 format for importing into Commercial Banking Online.

     F&S icon 

    Always make sure that your payment and beneficiary details are correct before importing to Commercial Banking Online

    File Structure

    XMLs for CHAPS have a Group header and Payment information sections. More payments can be added by repeating the Payment information section.

     

    Group header
    (GrpHdr)

    The XML file starts with a Group header to identify the file in Commercial Banking Online.

    • You should only have one Group Header on an XML file
    • All the tags in the Group header need to be in the XML
    • None of the information in this section will be used as part of the payment
     

    Payment information
    (PmtInf)

    Payment information

    • You can have more than one Payment information section on an XML file
    • Some of the tags in Payment information are optional
     


    Name

    Mandatory /Optional

    Tag

    Character Limit

    Notes

    Message Identification

    M

    <CstmrCdtTrfInitn>
     <GrpHdr>
      < MsgId>

    35

    Your Message Identification tag should be:
    “Commercial Banking Online”

    Created date and time

    M

    <CstmrCdtTrfInitn>
     <GrpHdr>
      <CreDtTm>

    		 

    This tag is needed and should contain the Year, Month, Day and Time in the following format:
    YYYY-MM-DDT:HH:MM:00.000Z
    “2016-12-16T14:30:00.000Z”

    Number of transactions

    M

    <CstmrCdtTrfInitn>
     <GrpHdr>
      <NbOfTxs>

    15

    This tag is needed to maintain the structure of the XML, it will not be used for any payment information.
    Enter any value up to 15 characters long, for example “1234”

    Initiating Party

    M

    <CstmrCdtTrfInitn>
     <GrpHdr>
      <InitgPty>

    		 

    This tag is needed to maintain the structure of the XML it should be left as an empty -element tag and appear as <InitgPty/> on the XML

    Payment Information Identification

    M

    <CstmrCdtTrfInitn>
     <PmtInf>
      <PmtInfId>

    35

    This tag is needed to identify the XML in Commercial Banking Online, the information will not be part of the payment details.

    Payment Method

    M

    <CstmrCdtTrfInitn>
     <PmtInf>
      <PmtMtd

    		 

    Enter ‘TRA’ for payment method

    Payment Type

    M

    <CstmrCdtTrfInitn>
     <PmtInf>
      <PmtTpInf>
       <LclInstrm>
        <Prtry>

    		 

    Enter ‘CHAPS’ to make a CHAPS payments

    Value Date

    M

    <CstmrCdtTrfInitn>
     <PmtInf>
      <ReqdExctnDt>

    		 

    Enter the value date of the payment,  using the Year, Month and  Day in the following format:
    YYYY-MM-DD

    Debtor

    M

    <CstmrCdtTrfInitn>
     <PmtInf>
      <Dbtr>

    		 

    This tag is needed to maintain the structure of the XML it should be left as an empty -element tag and appear as <Dbtr/> in the XML

    Debit Account Number

    M

    <CstmrCdtTrfInitn>
     <PmtInf>
      <DbtrAcct>
       <Id>
        <Othr>
         <Id>

    		  

    Enter the sort code and account number of the debit account in the following format:
    123456-12345678

    Financial Institution ID

    M

    <CstmrCdtTrfInitn>
     <PmtInf>
      <DbtrAgt>
       <FinInstnId>

    		 

    This tag is needed to maintain the structure of the XML it should be left as an empty -element tag and appear as <FinInstnId/> in the XML

    End to End Reference

    M

    <CstmrCdtTrfInitn>
     <PmtInf>
      <CdtTrfTxInf>
       <PmtId>
        <EndToEndId>

    31

    Enter a reference for the transaction

    Credit Amount and Payment Currency

    M

    <CstmrCdtTrfInitn>
     <PmtInf>
      <CdtTrfTxInf>
       <Amt>
        <InstdAmt>

    		 

    The currency information needs to be an attribute of the InstdAmt tag. It need to use a three letter ISO currency code.
    You can enter any amount from 0.01 to 100,000.00. You should avoid using a comma in the payment amount.
    For example £1,500 would be:
    <InstdAmt Ccy="GBP">1500.00</InstdAmt>

    Beneficiary Bank Code

    M

    <CstmrCdtTrfInitn>
     <PmtInf>
      <CdtTrfTxInf>
       <CdtrAgt>
        <FinInstnId>
         <ClrSysMmbId>
          <MmbId>

    6

    Enter the sort code of the Beneficiary as a single number without any dashes, for example: 123456

    Beneficiary Name

    M

    <CstmrCdtTrfInitn>
     <PmtInf>
      <CdtTrfTxInf>
       <Cdtr>
        <Nm>

    35

    Enter the name of the Beneficiary account

    Beneficiary Address Line 1

    O

    <CstmrCdtTrfInitn>
     <PmtInf>
      <CdtTrfTxInf>
       <Cdtr>
        <PstlAdr>
         <AdrLine>

    35

    This tag is optional, if you include it in your XML then you must provide some information.
    If don’t want to provide a Beneficiary Address you will need to remove the <AdrLine > tag from the XML:
    If you remove the tags for all three lines of the Beneficiary Address and the Beneficiary Country, you will also need to remove the <PstlAdr> tag

    Beneficiary Address Line 2

    O

    <CstmrCdtTrfInitn>
     <PmtInf>
      <CdtTrfTxInf>
       <Cdtr>
        <PstlAdr>
         <AdrLine>

    35

    This tag is optional, if you include it in your XML then you must provide some information.
    If don’t want to provide a Beneficiary Address you will need to remove the <AdrLine > tag from the XML:
    If you remove the tags for all three lines of the Beneficiary Address and the Beneficiary Country, you will also need to remove the <PstlAdr> tag

    Beneficiary Address Line 3

    O

    <CstmrCdtTrfInitn>
     <PmtInf>
      <CdtTrfTxInf>
       <Cdtr>
        <PstlAdr>
         <AdrLine>

    35

    This tag is optional, if you include it in your XML then you must provide some information.
    If don’t want to provide a Beneficiary Address you will need to remove the <AdrLine > tag from the XML:
    If you remove the tags for all three lines of the Beneficiary Address and the Beneficiary Country, you will also need to remove the <PstlAdr> tag

    Beneficiary Country

    O

    <CstmrCdtTrfInitn>
     <PmtInf>
      <CdtTrfTxInf>
       <Cdtr>
        <PstlAdr>
         <AdrLine>

    2

    This tag is optional, if you include it in your XML then you must provide some information.
    If don’t want to provide a Beneficiary Country you will need to remove the <AdrLine > tag from the XML:
    If you remove the tags for all three lines of the Beneficiary Address and the Beneficiary Country, you will also need to remove the <PstlAdr> tag

    Beneficiary Account Number

    M

    <CstmrCdtTrfInitn>
     <PmtInf>
      <CdtTrfTxInf>
       <CdtrAcct>
        <Id>
         <Othr>
          <Id>

    8

    Enter the Beneficiary Account Number using the following format: 12345678

    Beneficiary Account Type

    M

    <CstmrCdtTrfInitn>
     <PmtInf>
      <CdtTrfTxInf>
       <CdtrAcct>
        <Tp>
         <Prtry>

    		 

    You need to enter “Other”

    Beneficiary Reference Line 1

    O

    <CstmrCdtTrfInitn>
     <PmtInf>
      <CdtTrfTxInf>
       <RmtInf>
        <Ustrd>

    35

    This tag is optional, if you include it in your XML then you must provide some information.
    If don’t want to provide a Beneficiary reference you will need to remove the < Ustrd> tag from the XML:
    If you remove all four lines of the  Beneficiary reference, you will also need to remove the <RmtInf> tag

    Beneficiary Reference Line 2

    O

    <CstmrCdtTrfInitn>
     <PmtInf>
      <CdtTrfTxInf>
       <RmtInf>
        <Ustrd>

    35

    This tag is optional, if you include it in your XML then you must provide some information.
    If don’t want to provide a Beneficiary reference you will need to remove the < Ustrd> tag from the XML:
    If you remove all four lines of the  Beneficiary reference, you will also need to remove the <RmtInf> tag

    Beneficiary Reference Line 3

    O

    <CstmrCdtTrfInitn>
     <PmtInf>
      <CdtTrfTxInf>
       <RmtInf>
        <Ustrd>

    35

    This tag is optional, if you include it in your XML then you must provide some information.
    If don’t want to provide a Beneficiary reference you will need to remove the < Ustrd> tag from the XML:
    If you remove all four lines of the  Beneficiary reference, you will also need to remove the <RmtInf> tag

    Beneficiary Reference Line 4

    O

    <CstmrCdtTrfInitn>
     <PmtInf>
      <CdtTrfTxInf>
       <RmtInf>
        <Ustrd>

    35

    This tag is optional, if you include it in your XML then you must provide some information.
    If don’t want to provide a Beneficiary reference you will need to remove the <Ustrd> tag from the XML:
    If you remove all four lines of the  Beneficiary reference, you will also need to remove the <RmtInf> tag


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