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IG Gemme MandateInitiationRequest

De documentation SEPAmail.

SEPAmail – Norme 1206

Cette page fait partie de la version 1206 de la norme.

Sauf indication contraire, elle a été validée par les instances concernées et s'impose à tous les adhérents SEPAmail.
ATTENTION ! La version 1606 de la norme est disponible, vérifiez si cette page est toujours valable.

  • These implementation rules shall be applied in accordance with ISO20022 and SEPASingle Euro Payments Area est un espace européen à l’intérieur duquel les entités économiques peuvent effectuer des paiements en euros avec la même facilité, la même sécurité et les mêmes conditions que pour un paiement national. own implementation rules. Thus, unless explicitly specified, data contained within a field or XML structure of a SEPAmailmessagerie bancaire sécurisée. message must comply with the constraints related to the equivalent field or XML structure in ISO20022 or SEPASingle Euro Payments Area est un espace européen à l’intérieur duquel les entités économiques peuvent effectuer des paiements en euros avec la même facilité, la même sécurité et les mêmes conditions que pour un paiement national. messages.
  • for an explanation of the color coding used in the tables below, see this page
  • for general rules applying to all fields, see this page
  • for business rules directing these IG, see this page


Introduction

This document describes the contents of the SEPAmailmessagerie bancaire sécurisée. message used to request or indicate the creation of a mandate.

The full name of this message is sepamail_message_direct.debit_MandateInitiationRequest.

This message must be generated on behalf of the creditor, and sent by itself or by its bank. The generating events can be, for instance:

  • creation of a new mandate, associated for instance with a new contract
  • modification of an existing mandate

The second case occurs when the debtor wishes to change the bank account associated with the mandate : the debtor sends a request for this change, currently as a “Mandate Acceptance Report” message, and the creditor is expected to answer with a modified “Mandate Initiation Request” message, including the new bank account. The debtor can then check and validate this new mandate.

This message is based upon ISO 10022 pain.009 schema. For adaptability reasons, it also includes non-ISO parts. All message parts are described in this document.

source MndIni_Intro.txt, date Wed Aug 29 16:03:40 CEST 2012


Message Root

source MndIni_Root.txt, date Fri Jan 27 12:26:54 CET 2012


Mult Message Element SEPAmailmessagerie bancaire sécurisée. requirement
[1..1] + DirectDebitMandat

source MndIni_Root.tab, date Wed Aug 29 16:03:40 CEST 2012


ISO and Non-ISO parts

The "Mandat" element (A, below) has an optional attribute named id. This attribute is meant to be used when the optional signature is being used, to allow a precise designation of the element being signed.

source MndIni_Body.txt, date Fri Jan 27 12:26:54 CET 2012


Ref Mult Message Element SEPAmailmessagerie bancaire sécurisée. requirement
A [1..1] ++ Mandat MandateInitiationRequestV01, as per ISO pain.009
B [0..1] ++ DSExt Non-ISO part, described further in this document

source MndIni_Body.tab, date Wed Aug 29 16:03:40 CEST 2012


ISO Part : MandateInitiationRequestV01

Please note : this whole part is directly copied from "EPC002-09 e-mandate service IG 4.0 Approved" and is only provided here for ease of reference.

source MndIni_ISO.txt, date Fri Jan 27 12:26:54 CET 2012


Group Header

The group header contains information required for the processing of the entire message.

source MndIni_Group.txt, date Fri Jan 27 12:26:54 CET 2012


Ref Mult Message Element SEPASingle Euro Payments Area est un espace européen à l’intérieur duquel les entités économiques peuvent effectuer des paiements en euros avec la même facilité, la même sécurité et les mêmes conditions que pour un paiement national./SEPAmailmessagerie bancaire sécurisée. requirement
1.0 [1..1] + Group Header
1.1 [1..1] ++ Message Identification
1.2 [1..1] ++ Creation Date Time
1.3 [0..2] ++ Authorisation
1.4 {Or +++ Code
1.5 Or} +++ Proprietary (AT-60 – The reference of the validation made by the Debtor Bank)
1.6 [0..1] ++ Initiating Party
1.7 [0..1] ++ Instructing Agent
1.8 [0..1] ++ Instructed Agent

source MndIni_Group.tab, date Wed Aug 29 16:03:40 CEST 2012


Mandate

source MndIni_Mandat.txt, date Fri Jan 27 12:26:54 CET 2012


Ref Mult Message Element SEPASingle Euro Payments Area est un espace européen à l’intérieur duquel les entités économiques peuvent effectuer des paiements en euros avec la même facilité, la même sécurité et les mêmes conditions que pour un paiement national./SEPAmailmessagerie bancaire sécurisée. requirement
2.0 [1..1] + Mandate
2.1 [0..1] ++ Mandate Identification (AT-01 Unique Mandate Reference) Usage Rule: If "Mandate Identification" is available at the time of the sending of the Mandate Initiation Request Message, then it should be given. It will be used in all later opportunities to track messages related to this mandate.
2.2 [1..1] ++ Mandate Request Identification Usage Rule: If "Mandate Identification" is available at the time sending of the Mandate Initiation Request Message, then "Mandate Request Identification" may be a copy of "Mandate Identification".
2.3 [0..1] ++ Type Mandatory
2.4 [0..1] +++ Service Level Mandatory
2.5 {Or ++++ Code (AT-20 The identification code of the Schemele Scheme, ou Scheme SEPAmail, est l'entité au sein de laquelle les adhérents SEPAmail sont regroupés et qui a pour mission de maintenir la norme SEPAmail et les référentiels.) Usage Rule : Only "SEPASingle Euro Payments Area est un espace européen à l’intérieur duquel les entités économiques peuvent effectuer des paiements en euros avec la même facilité, la même sécurité et les mêmes conditions que pour un paiement national." is allowed.
2.6 Or} ++++ Proprietary
2.7 [0..1] +++ Local Instrument Mandatory
2.8 {Or ++++ Code (AT-20 The identification code of the Schemele Scheme, ou Scheme SEPAmail, est l'entité au sein de laquelle les adhérents SEPAmail sont regroupés et qui a pour mission de maintenir la norme SEPAmail et les référentiels.). Allowed values are
CORE: SDDSEPA Direct Debit ou prélèvement SEPA est un prélèvement exécuté dans la zone SEPA en euros, reposant notamment sur le principe d’un mandat unique délivré par le débiteur au créancier (contrairement au double mandat français). CORE mandate
B2B: SDDSEPA Direct Debit ou prélèvement SEPA est un prélèvement exécuté dans la zone SEPA en euros, reposant notamment sur le principe d’un mandat unique délivré par le débiteur au créancier (contrairement au double mandat français). B2B mandate
empty: direct debit
2.9 Or} ++++ Proprietary
2.10 [0..1] ++ Occurrences Mandatory
2.11 [1..1] +++ Sequence Type (AT-21 Transaction Type)
2.12 [0..1] +++ Frequency
2.13 [0..1] +++ Duration
2.14 [0..1] +++ First Collection Date
2.15 [0..1] +++ Final Collection Date
2.16 [0..1] ++ Collection Amount
2.17 [0..1] ++ Maximum Amount
2.18 [0..1] ++ Creditor Scheme Identification Mandatory
2.18 [0..1] +++ Name
2.18 [0..1] +++ Postal Address
2.18 [0..1] +++ Identification Mandatory (AT-02 Identifier of the Creditor)
2.18 {Or ++++ Organisation Identification
2.18 Or} ++++ Private Identification Usage Rule: "Private Identification" is mandatory to identify either an organisation or a private person. Usage Rule : "Scheme Name" under "Other" must specify "SEPASingle Euro Payments Area est un espace européen à l’intérieur duquel les entités économiques peuvent effectuer des paiements en euros avec la même facilité, la même sécurité et les mêmes conditions que pour un paiement national." under "Code". Usage Rule : "Identification" under "Other" is allowed using an identifier described in General Message Element Specifications, Chapter 1.5.2. Usage Rule : Only one occurrence of "Other" is allowed. The SCI (ICSIdentifiant Créancier SEPA, (SEPA Creditor-ID abrégé CI en anglais) est géré au niveau de chaque pays SEPA par une entité unique.) must appear here and not in the 2.19 (Creditor) element.
2.18 [0..1] +++ Country of Residence
2.18 [0..1] +++ Contact Details
2.19 [1..1] ++ Creditor
2.19 [0..1] +++ Name Mandatory (AT-03 Name of the Creditor) Usage Rule : "Name" is limited to 70 characters in length.
2.19 [0..1] +++ Postal Address (AT-05 Address of the Creditor)
2.19 [0..1] ++++ Address Type
2.19 [0..1] ++++ Department
2.19 [0..1] ++++ Sub-Department
2.19 [0..1] ++++ Street Name
2.19 [0..1] ++++ Building Number
2.19 [0..1] ++++ Postal Code
2.19 [0..1] ++++ Town Name
2.19 [0..1] ++++ Country Sub-Division
2.19 [0..1] ++++ Country
2.19 [0..7] ++++ Address Line Usage Rule : Only two occurrences are allowed.
2.19 [0..1] +++ Identification
2.19 [0..1] +++ Country of Residence
2.19 [0..1] +++ Contact Details
2.20 [0..1] ++ Creditor Account IBANInternational Bank Account Number, norme ISO 13616:2003
2.21 [0..1] ++ Creditor Agent BICBank Identifier Code, norme ISO 9362:1994
2.22 [0..1] ++ Ultimate Creditor
2.22 [0..1] +++ Name (AT-38 Name of the Creditor Reference Party) Usage Rule : "Name" is limited to 70 characters in length.
2.22 [0..1] +++ Postal Address
2.22 [0..1] +++ Identification (AT-39 Identification code of the Creditor Reference Party)
2.22 {Or ++++ Organisation Identification Usage Rule : Either "BICBank Identifier Code, norme ISO 9362:1994 or BEI" or one occurrence of "Other" is allowed.
2.22 Or} ++++ Private Identification Usage Rule : Either "Date and Place of Birth" or one occurrence of "Other" is allowed.
2.22 [0..1] +++ Country of Residence
2.22 [0..1] +++ Contact Details
2.23 [1..1] ++ Debtor
2.23 [0..1] +++ Name Mandatory (AT-14 Name of the Debtor) Usage Rule : "Name" is limited to 70 characters in length.
2.23 [0..1] +++ Postal Address Mandatory (AT-09 Address of the Debtor)
2.23 [0..1] ++++ Address Type
2.23 [0..1] ++++ Department
2.23 [0..1] ++++ Sub Department
2.23 [0..1] ++++ Street Name
2.23 [0..1] ++++ Building Numb
2.23 [0..1] ++++ Post Code
2.23 [0..1] ++++ Town Name
2.23 [0..1] ++++ Country Subdivision
2.23 [0..1] ++++ Country
2.23 [0..7] ++++ Address Line Mandatory Usage Rule : Only two occurrences are allowed.
2.23 [0..1] +++ Identification (AT-27 Debtor identification code)
2.23 {Or ++++ Organisation Identification Usage Rule : Either "BICBank Identifier Code, norme ISO 9362:1994 or BEI" or one occurrence of "Other" is allowed.
2.23 Or} ++++ Private Identification Usage Rule : Either "Date and Place of Birth" or one occurrence of "Other" is allowed.
2.23 [0..1] +++ Country of Residence
2.23 [0..1] +++ Contact Details
2.24 [0..1] ++ Debtor Account Mandatory
2.25 [1..1] ++ Debtor Agent Mandatory (AT-13 BICBank Identifier Code, norme ISO 9362:1994 of the Debtor Bank) Usage Rule: Only BICBank Identifier Code, norme ISO 9362:1994 is allowed.
2.26 [0..1] ++ Ultimate Debtor Usage Rule: Mandatory, if provided by the Debtor in the Mandate.
2.26 [0..1] +++ Name (AT-15 Name of the Debtor Reference Party) Usage Rule : "Name" is limited to 70 characters in length.
2.26 [0..1] +++ Postal Address
2.26 [0..1] +++ Identification (AT-37 Identification code of the Debtor Reference Party)
2.26 {Or ++++ Organisation Identification Usage Rule: Either "BICBank Identifier Code, norme ISO 9362:1994 or BEI" or one occurrence of "Other" is allowed.
2.26 Or} ++++ Private Identification Usage Rule : Either "Date and Place of Birth" or one occurrence of "Other" is allowed.
2.26 [0..1] +++ Country of Residence
2.26 [0..1] +++ Contact Details
2.27 [0..1] ++ Referred Document
2.28 [0..1] +++ Type
2.33 [0..1] +++ Number (AT-08 Identifier of the underlying Contract)
2.34 [0..1] +++ Related Date

source MndIni_Mandat.tab, date Tue Oct 30 10:51:42 CET 2012


Non-ISO Part : AroundMandat

This part of the message adds information used by the SEPAmailmessagerie bancaire sécurisée./GEMMEGlobal European Mandate Management & Exchange (Application SEPAmail) system, either for routing purposes or to provide users with richer functionalities.

source MndIni_NonISO.txt, date Wed Aug 29 16:03:40 CEST 2012


Ref Mult Message Element SEPAmailmessagerie bancaire sécurisée. requirements
B1 [0..1] ++ SndMaxDT Latest validity date
B2 [1..1] ++ Status Mandate status. Only values accepted are
“ACCP” (accepted : the mandate is validated, either through SEPAmailmessagerie bancaire sécurisée. or through some creditor-specific mechanism)
“PNDG” (pending : the mandate must still be validated through SEPAmailmessagerie bancaire sécurisée.)
B3 [1..1] ++ SignTp Signature Type. Possible values are
“manual” : mandate has been signed by non-SEPAmailmessagerie bancaire sécurisée. means
“sepamail” : mandate has been signed through SEPAmail.
B4 [0..1] ++ RtrPmt Charge bearer. Possible values are “CRED” (creditor), “DEBT” (debitor), “SHAR” (shared) and “SLEV” (depending on servce level)
B5 [0..n] ++ Document Attached documents. The contract or other document may be present for clarity.
B5.1 [1..1] +++ Type May be “mandate” (legal document) or “information” (other document)
B5.2 [0..1] +++ Date Document date, ISO format
B5.3 [1..1] +++ Title Document title, max 200 characters
B5.4 [1..1] +++ Reference Document reference, max 100 characters
B5.5 [1..1] +++ Lang Mandatory, Language code for document language
B5.6 [0..1] +++ Contents
B5.6.1 [1..1] ++++ mime-type Mandatory
B5.6.2 [0..1] ++++ name document name, may or may not differ from the title above
B5.6.3 [1..1] ++++ data actual contents of the document, may be anything depending on MIMEMultipurpose Internet Mail Extensions est un standard internet qui étend le format de données des courriels type. It can for example contain simply an URL where the document is accessible.
B6 [1..1] ++ DbtrSignature Signature of debtor
B6.1 [1..1] +++ signature-type Type of signature, may be “handwritten”, “electronic” or “other”
B6.2 [1..1] +++ data Actual signature, contents depending on the above type
B7 [0..1] ++ CdtrSignature
B7.1 [1..1] +++ signature-type Type of signature, may be “handwritten”, “electronic” or “other”
B7.2 [1..1] +++ data Actual signature, contents depending on the above type
B8 [0..1] ++ CdtrLogo Creditor logo, will be displayed along with the mandate if technically possible
B8.1 [1..1] +++ mime-type Mandatory
B8.2 [1..1] +++ data actual contents of the image, may be anything depending on MIMEMultipurpose Internet Mail Extensions est un standard internet qui étend le format de données des courriels type.
B9 [0..1] ++ DbtFirstName First name of the debtor, used for validation
B10 [0..1] ++ DbtLastName Last name of the debtor, used for validation
B11 [0..1] ++ DbtLastNameType Type of above last name. Can be “birthName”, “maritalName” or “alias”. To be used only when known for sure.

source MndIni_NonISO.tab, date Wed Aug 29 16:03:40 CEST 2012