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ISO 20022 Checks & ACH File Format

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Kymber Taylor
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Overview

We have modified the pdpExtractChecksJob and pdpExtractAchPaymentsJob to support the ISO 20022 standard bank format for creating checks and ACH files. The proprietary format was deprecated as of 5/31/2023.

What Changed? 

We made the following changes to support the new file format: 

  • Modified batch jobs:
    • pdpExtractChecksJob
    • pdpExtractAchPaymentsJob
  • Added three fields to the Bank table: 
    • Bank Identification Code
    • ACH Institution ID
    • ACH Institution Scheme Name
      • Bank Identification Code is required when the Bank Check flag is checked
      • ACH fields are required when the Bank ACH flag is checked. 
  • Added Standard Entry Class to the Payee ACH Account. 
    • Valid values are PPD, CCD and CTX
    • Standard Entry Class is required. 

Set up

  • Update the appropriate Bank:
    • Verify the Routing Number is valid - the format process uses the Routing Number to get the bank name and address. 
    • Verify the appropriate flags are set - Bank ACH and Bank Check - setting these flags will enforce the appropriate business rules when the ISO parameter = Y. 
    • Set the Bank Identification Code (BIC) - the format process uses this when creating the check and ach xml files. 
    • Set the ACH Institution ID and ACH Institution Scheme Name - the pdpExtractAchPaymentsJob uses these flags to create the ach xml file.
      • NOTE: The BIC and ACH fields are provided by your bank.
  • Update the ACH Payees - set the Standard Entry Class for each ACH Payee - valid values are PPD, CCD and CTX.
    • PPD  - Individuals
    • CCD - Corporations
    • CTX - Corporate Trade Exchange

Sample Files

File Format

xsd is availble here: https://wiki.xmldation.com/Support/ISO20022/List_of_Rules/Pain.001.001.03

XML Tag/Element Description
<?xml version="1.0" encoding="UTF-8" ?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03">
 <CstmrCdtTrfInitn>
 Start of the entire transmission file
   <GrpHdr> Control Information

    <MsgId></MsgId>

 Process ID - generated by PDP when Format Checks / ACH is run

    <CreDtTm></CreDtTm>

 Timestamp when the file is created 

    <NbOfTxs></NbOfTxs>

 Number of payments in the file - Number of <CdtTrfTxInf> elements
    <CtrlSum></CtrlSum> Total amount of payments in the file - total of <CdtTrfTxInf> elements

    <InitgPty>

        <Nm></Nm>

    </InitgPty>

 Your institution name from parameter: INSTITUTION_NAME

 </GrpHdr>

End control information

 <PmtInf>

Payments included in this file

  <PmtInfId></PmtInfId>

 Sequential identifier for this file
  <PmtMtd></PmtMtd>

Identifies the type of payment:  

  • CHK - Checks
  • TRF - ACH
  <NbOfTxs></NbOfTxs> Number of payment instructions (<CdtTrfRxInf> elements) within this <PmtInf> group
  <CtrlSum></CtrlSum> Total of payment instruction amounts (<CdtTrfRxInf> elements) within the (<PmtInf> element).
 <PmtTpInf>  
    <SvcLvl>
      <Cd>NURG</Cd>
    </SvcLvl>
 </PmtTpInf>

ACH only

Hard coded to NURG
  <ReqdExctnDt></ReqdExctnDt>

Date that will printed on the checks in this batch from the Process ID Date. 
  <Dbtr>
 Institution information
   <Nm></Nm> Institution name from the INSTITUTION_NAME parameter.

   <PstlAdr></PstlAdr>

 Institution Address from Customer Profile / Customer Profile Tab

<Id>

 <OrgId>
   <Othr>

ACH Only

     <Id></Id>

ACH Institution ID field from the Bank table
    <SchmeNm>
       <Prtry></Prtry>
    </SchmeNm>		 ACH Institution Scheme Name from the Bank table

  </Othr>

 </OrgId>

</Id>		 End ACH Only
</Dbtr>
 End Institution information

<DbtrAcct>

Institution Bank Account information

   <Id>

    <Othr>
      <Id></Id>
    </Othr>

  </Id>

Bank Account Number to be debited and printed on MICR line. Source: Bank code on the payment. 

  <Ccy>USD</Ccy>

Currency - hard coded

</DbtrAcct>

End institution bank account information
<DbtrAgt>
  <FinInstnId>		 Institution bank information
    <BIC></BIC> Bank Identification Code from the Bank table. 
    <ClrSysMmbId>
      <MmbId></MmbId>
    </ClrSysMmbId>		 Bank Routing number from the Bank table.
    <PstlAdr></PstlAdr>

Bank address from the ACH Bank table based on the routing number from the Bank table.  
  </FinInstnId>
</DbtrAgt>		 End bank information
<CdtTrfTxInf>
  

Vendor Payment

Checks: there will be one for each vendor payment, multiple invoices/credit memos. 

ACH: there will be one for each payment - ACH payments are not bundled. If there is a credit memo, a check will be issued. 
   <PmtId> Disbursement ID Information
     <InstrId></InstrId> Bank Code / Disbursement Number - does not print on the check
    <EndToEndId></EndToEndId> Disbursement Number - does not print on the check
  </PmtId> End Disbursement ID Information
<PmtTpInf>
   <LclInstrm>
      <Cd>CCD</Cd>
  </LclInstrm>
</PmtTpInf>

ACH Only - Standard Entry Class from the Payee ACH Account table. 

  • CCD - Corporations
  • PPD - Individuals
  • CTX - Corporation Transfer
<Amt>
   <InstdAmt Ccy="USD"></InstdAmt>
</Amt>		 Amount and currency to be printed on the check or transferred via ACH. 
<ChqInstr> Check Only - Check instructions 
  <ChqNb></ChqNb> Disbursement Number
  <DlvryMtd>
    <Prtry></Prtry>
  </DlvryMtd>
  • If Immediate Print flag = Y, 00PY1, overnight delivery of the check to the payee
  • If Special Handling or Attachment = Y, 00HQ1, overnight delivery of the check to the institution
  • Else 00000, mail to payee
  <FrmsCd>A1</FrmsCd> Check design to use - hardcoded A1
</ChqInstr> End check instructions
<CdtrAgt>
    <FinInstnId>		 ACH Only - Payee bank information
      <ClrSysMmbId>
         <MmbId></MmbId>
     </ClrSysMmbId>		 Routing number from Payee ACH Account
          <Nm></Nm> Bank name from the ACH Bank table based on the routing number from the Payee ACH Account table. 
          <PstlAdr></PstlAdr> Bank address from the ACH Bank table based on the routing number from the Payee ACH Account table. 
   </FinInstnId>
</CdtrAgt>
 End ACH Only Payee bank information
<Cdtr> Payee information
   <Nm></Nm> Payee name
   <PstlAdr></PstlAdr> Payee address

<Id>
   <OrgId>
       <Othr>

 Payee information (cont.)

         <Id></Id>

 Payee / Vendor number

         <SchmeNm>
            <Cd></Cd>
         </SchmeNm>

 ACH only - hard coded CHID

      </Othr>
    </OrgId>

  </Id>

</Cdtr>

 End payee information

<RmtInf>

Invoices/Credit Memos bundle

NOTE: The following fields should be suppressed for ACH payments unless the standard entry class is PPD+ or CCD+. We are sending this information with the ACH file for now and the bank will be treating them as PPD+ and CCD+. We have logged a ticket to address at a later time. 

  <Ustrd></Ustrd>

 Remittance information that can be printed on each check, up to 140 characters comes from Check Header Note lines 1-4 on Customer Profile.

<Strd>

Individual invoice / credit memo 

  <RfrdDocInf>

 Reference information

    <Tp>
     <CdOrPrtry>
       <Cd></Cd>
     </CdOrPrtry>
    </Tp>

Credit Memos will be set to CREN; all other payments will be set to CINV

   <Nb></Nb>

Invoice / Credit Memo number

  <RltdDt></RltdDt>

Invoice / Credit Memo date

</RfrdDocInf>

End reference information

<RfrdDocAmt>

Amount information

Note: all amounts will display as positive numbers.

  <DuePyblAmt Ccy="USD"></DuePyblAmt>

Invoice Amount

  <DscntApldAmt Ccy="USD"></DscntApldAmt>

Discount

  <RmtdAmt Ccy="USD" ></RmtdAmt>

Net Payment

   </RfrdDocAmt>

End amount information

    <CdtrRefInf>
      <Ref></Ref>
    </CdtrRefInf>

Purchase Order number

<AddtlRmtInf></AddtlRmtInf>

DV Check Stub Notes.

NOTE: PREQ Check Stub Notes will be added in a future release.

    </Strd>

End individual invoice/credit memo

  </RmtInf>

End invoice/credit memo bundle

  
</CdtTrfTxInf>

End vendor payment
      </PmtInf>
   </CstmrCdtTrfInitn>
</Document>		 Closing elements

 

 

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