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Implementation of ISO 20022:
starter kit for software partners
Positioning of “Starter kit for software partners”
Accounts payable – Issuing payment orders
Accounts receivable – Processing inpayments
Accounts receivable – Collecting direct debits
Quality assurance and testing with the PostFinance test platform
ISO 20022 readiness check
More information and links
The
implementation of ISO 20022
in the “Harmonization of payment transactions in
Switzerland” can be carried out
in different formats
:
Starter kit for software partners
Guidelines for focused implementation of ISO 20022
PostFinance Ltd – Harmonization of Swiss payment transactions – Starter kit for software partners – April 2016 Slide 3
In “S format”
(small), this
starter kit
provides a guide
to the basic implementation of ISO
20022
.
New or value-added features of ISO 20022 are deliberately “hidden” to allow minimal
implementation.
Small – “S” format:
Technical migration
Medium – “M” format:
Migration and optimization
Large – “L” format:
Digital integration
Objective:
We simply want to be able to
continue executing payment
transactions.
“Traditional business”
Objective:
We want to take advantage of
selected new payment
transactions.
“Traditional business with
optimizations”
Objective:
We want to integrate payment
transactions into the value
chain.
“Ready for digitization”
Starter kit for software partners
Scope of focused implementation of ISO 20022
Issuing payment orders Processing inpayments Collecting direct debits Typical applications Paying invoices with an
inpayment slip with/without a reference number
Executing domestic payments
Executing salary payments
Processing ISR credit notifications (incoming payments)
Collecting CH-DD Direct Debits (CHF, EUR) for private customers
Collecting CH-DD Direct Debits (CHF, EUR) for business customers
Previous names EPO TXT (PostFinance)
DTA (other banks)
ISR V11 file (PostFinance)
BISR file (other banks)
Debit Direct (PostFinance)
LSV+/BDD (other banks)
Scope of application Accounts payable
Salary
Accounts receivable Accounts receivable
New message type pain.001
XML schema V2 camt.054 XML schema V4 pain.008 CH-DD (PostFinance): XML schema V2
CH-TA (other banks)
Special settings Batch debit* always active
Notification management*
based on PostFinance master data
Notification and account statement
PDF account statement in e-finance
Paper account statement (subject to a charge)
Notification of service camt.054 only
PDF account statement in e-finance
Paper account statement (subject to a charge)
Notification of service camt.054 only
PDF account statement in e-finance
Paper account statement (subject to a charge)
Positioning of “Starter kit for software partners”
Accounts payable – Issuing payment orders
Accounts receivable – Processing inpayments
Accounts receivable – Collecting direct debits
Quality assurance and testing with the PostFinance test platform
ISO 20022 readiness check
More information and links
Slide 5
What can you find in this starter kit?
The following documents with section references provide more information for
payment orders in accordance with ISO 20022
(“pain.001”):
Issuing payment orders
Settling invoices and executing salary payments
Document reference
Section references
Swiss Business Rules
for Payments and Cash Management
[www.six-interbank-clearing.com/iso-payments]
2.1.1 Transfers to a financial institution in Switzerland Focus on payment methods 1, 3 and 6
3.1 Summary of message flow
3.2 Message structure Customer Credit Transfer Initiation 4.1 Principles of message structure
Swiss Implementation Guidelines
for Credit Transfer in Payment Transactions [www.six-interbank-clearing.com/iso-payments]
2.2.1 Procedure for the validation by the financial institution Payment types
2.3.1 Group Header (GrpHdr, A level) 2.3.2 Payment Information (PmtInf, B level)
2.3.3 Credit Transfer Transaction Information (CdtTrfTxInf, C level) 2.4.1 Character set
PostFinance Ltd user manual
[www.postfinance.ch/harmonisation-documents]
3.1 Settling an inpayment slip with reference number (ISR) 3.3 Execution of domestic payments without a slip
3.7 Execution of salary payments EPO manual: Electronic payment order
[www.postfinance.ch/harmonisation-documents]
5.3.2 Additional technical information on the Swiss Implementation Guidelines
Electronic account documents manual
[www.postfinance.ch/harmonisation-documents]
Not relevant – in this starter kit we use the following for notifications:
PDF in e-finance
The following documents with section references provide more information on
processing credits
in accordance with ISO 20022
(“camt.054 ISR”):
Processing inpayments
Receiving credits for invoices, closing open items
PostFinance Ltd – Harmonization of Swiss payment transactions – Starter kit for software partners – April 2016 Slide 7
Document reference
Section references
Swiss Business Rules
for Payments and Cash Management
[www.six-interbank-clearing.com/iso-payments]
9.2 Different versions of camt.052, camt.053 and camt.054 9.6.5 References <Refs>, D level
9.8 Bank to Customer Debit Credit Notification (camt.054) Swiss Implementation Guidelines
for Cash Management
[ww w.six-interbank-clearing.com/iso-payments]
4 Bank-to-Customer Debit/Credit Notification (camt.054) 5.2.4 ISR reference numbers in “camt” messages
5.4 Specific representation of certain transaction types in account statement camt.053
Focus on the “ISR Payment” column PostFinance Ltd user manual
[www.postfinance.ch/harmonisation-documents]
4.1 Processing an ISR credit notification
ISR Manual
[www.postfinance.ch/harmonisation-documents]
5.3 Additional technical information on the Swiss Implementation Guidelines
Electronic account documents manual
[www.postfinance.ch/harmonisation-documents]
Not relevant – in this starter kit we use the following for notifications:
PDF in e-finance
The following documents with section references provide more information for
processing direct debits in accordance with ISO 20022
(“pain.008”):
Collecting direct debits
Charging for services and executing direct debits
Document reference
Section references
Swiss Business Rules
for Payments and Cash Management
[www.six-interbank-clearing.com/iso-payments]
2.2.2 Direct Debit Initiation for the Swiss direct debit procedure 3.1 Summary of message flow
3.3 Message structure Customer Direct Debit Transfer Initiation 4.1 Principles of message structure
5 Customer Direct Debit Initiation Swiss Implementation Guidelines
for the Swiss Direct Debit Procedure
[www.six-interbank-clearing.com/iso-payments]
2.2.1 Group Header (GrpHdr, A level) 2.2.2 Payment Information (PmtInf, B level)
2.2.3 Direct Debit Transaction Information (DrctDbtTxInf, C level) 2.3.1 Character set
PostFinance Ltd user manual
[www.postfinance.ch/harmonisation-documents]
4.5 Collection of a CH-DD COR1 Direct Debit in CHF in Switzerland 4.6 Collection of a CH-DD B2B Direct Debit in CHF in Switzerland CH-DD Direct Debit Manual
[www.postfinance.ch/harmonisation-documents]
5 Additional technical information on the Swiss Implementation Guidelines
Electronic account documents manual
[www.postfinance.ch/harmonisation-documents]
Not relevant – in this starter kit we use the following for notifications:
PDF in e-finance
Positioning of “Starter kit for software partners”
Accounts payable – Issuing payment orders
Accounts receivable – Processing inpayments
Accounts receivable – Collecting direct debits
Quality assurance and testing with the PostFinance test platform
ISO 20022 readiness check
More information and links
Slide 9
What can you find in this starter kit?
With the
PostFinance test platform
, you can test your payment orders [pain.001], ISR
credit files [camt.054] and debits [pain.008] at any time:
Quality assurance and testing
Simply register for the
PostFinance test platform
via the Internet:
You can register
without a specific PostFinance agreement
.
The test platform gives you
best practice test cases
with
sample files
.
Load
a virtual account with an IBAN
on the test platform and use this for your
test cases.
The virtual account is used
for payment orders [pain.001], credits [camt.054 ISR]
and debits [pain.008]
, allowing you to continuously process use cases.
Quality assurance and testing
Using the PostFinance test platform and gaining experience
Positioning of “Starter kit for software partners”
Accounts payable – Issuing payment orders
Accounts receivable – Processing inpayments
Accounts receivable – Collecting direct debits
Quality assurance and testing with the PostFinance test platform
ISO 20022 readiness check
More information and links
Slide 13 PostFinance Ltd – Harmonization of Swiss payment transactions – Starter kit for software partners – April 2016
ISO 20022 readiness check
Three levels are tested to determine which scope will be implemented
With the ISO readiness check of software products, two different goals are
pursued:
1. Qualitative check
of a software product with the software partner on the
basis of
defined use cases
for accounts payable, accounts receivable and
cash management.
2. Create an incentive for providing
the most comprehensive function set
possible for ISO 20022
– the starter kit begins with the basics and allows
you to implement more features as required.
ISO 20022 readiness check
Three levels are tested to determine which scope will be implemented
ISO 20022 readiness is assessed
at
different levels
. This starter kit
addresses
Level 1
, “Traditional business”.
Accounts payable management Accounts receivable management Cash and liquidity management
Interactive digital channel [e-finance] Payment order
[pain.001]
Manage order notifications
[Differing notification management with the formats NOA, SIA, CND, CWD] Processing status
[pain.002]
Order notification [camt.054]
Direct debit order [pain.008]
ISR credit notification [camt.054 ISR] and/or Processing status [pain.002] CH-DD credit notification [camt.054 DD]
Credit notification (with image) [camt.054 IS]
Intraday account statement [camt.052]
Process account statements electronically
[camt.053], [camt.054 ISR/OSR], [camt.054 DD], camt.054 IS]
Account statement Paper or PDF Order cockpit offers process control
[ERP or payment software order status in overview activated] Interfaces for digital archive
[ERP or payment software issues/offers document management system] Option
Option
and/or
Direct digital channel [FDS, TBS, OLFT] ISO readiness Level 3 “Ready for digitization” ISO readiness Level 2 “Traditional business with optimizations” ISO readiness Level 1 “Traditional business”
Positioning of “Starter kit for software partners”
Accounts payable – Issuing payment orders
Accounts receivable – Processing inpayments
Accounts receivable – Collecting direct debits
Quality assurance and testing with the PostFinance test platform
ISO 20022 readiness check
More information and links
Slide 15
What can you find in this starter kit?
More information and links
Notes on terms used in this starter kit
Term
Further details
Notification management for payment
orders
After executing payment orders, PostFinance
delivers an “execution confirmation”
(pain.001) in camt.054 XML format or as a
PDF.
The execution confirmation can be managed
in the payment order:
The notification can be presented in
different ways; see section 4.6.4 “Execution
confirmation” in EPO Manual: Electronic
payment order.
Reference to “IG Credit Transfer
(Payment Transactions)” – ISO
index 2.20:
Payment Information
+Debtor Account
++Type
+++Proprietary
Possible settings:
NOA, SIA,
More information and links
Notes on terms used in this starter kit
PostFinance Ltd – Harmonization of Swiss payment transactions – Starter kit for software partners – April 2016 Slide 17
Term
Further details
Batch debit or debit per transaction
Business customers see a batch debit for
each order and each initial currency on their
account statement by default.
When issuing an order, you can use the
“Batch Booking” field in pain.001 to select
whether a debit (booking) per transaction
(false) or whether a batch booking per order
or per initial currency (true) should be
shown.
Reference to “IG Credit Transfer
(Payment Transactions)” – ISO
index 2.3:
Payment Information
+Batch Booking
More information and links
Notes on terms used in this starter kit
Term
Further details
ISR credit data with reference information
Credit data with ISR reference information is
delivered in the camt.054 notification.
This notification replaces the credit files in
V.11 format.
Reference to the “Electronic
account documents manual” – ISO
index 2.236:
Transaction Details
+Remittance Information
++Structured
+++Creditor Reference
Information
++++Reference
More information and links
Notes on terms used in this starter kit
PostFinance Ltd – Harmonization of Swiss payment transactions – Starter kit for software partners – April 2016 Slide 19
Term
Further details
IS credit data with messages
Credit data with IS messages is delivered in
the camt.054 notification (counter payments
only with the IS full recording service; slip
images can be delivered without IS full
recording).
Messages according to customer order are
delivered by PostFinance in a separate XML
field.
The field 2.235 is used in the financial
center’s “IG Cash Management”; a
reconciliation of data fields is planned.
Reference to the “Electronic
account documents manual” – ISO
index 2.235:
Transaction Details
+Remittance Information
++Unstructured
More information and links
The ISO 20022 “Bookcase” is fully stocked
The “Bookcase” gives you an overview of the regularly updated
documents and
Information from PostFinance
Information from the Swiss financial center
More information and links
Websites with in-depth information
PostFinance Ltd – Harmonization of Swiss payment transactions – Starter kit for software partners – April 2016
Website description Link
Information on the harmonization of Swiss payment transactions at PostFinance
ww w.postfinance.ch/harmonization-pt
Information on ISO 20022 ww w.postfinance.ch/iso20022
Information on ISO 20022 in EPOs ww w.postfinance.ch/epo
Information on ISO 20022 in account notifications ww w.postfinance.ch/e-doc
Information on ISO 20022 for CH-DD Debit Direct ww w.postfinance.ch/sdd
Information on IBAN ww w.postfinance.ch/iban
PostFinance test platform isotest.postfinance .ch
Website description Link
Website of the Swiss financial center for the harmonization of Swiss payment transactions
ww w.paymentstandards.ch
Information from SIX on the implementation of the ISO 20022 standard in Switzerland
ww w.iso-payments.ch
Information on the harmonization of payment transactions in Switzerland
ww w.iso20022.ch
SIX validation platform validation.iso-payments
.ch
