A direct debit is a financial transaction initiated by the creditor via its bank (the creditor bank) to collect funds from a debtor's account with a debtor bank, as agreed between the debtor and creditor. This instruction to make a payment results in an agreement/mandate as agreed between the debtor and creditor and signed by the debtor. Direct debit transfers include consumer payments on insurance premiums, mortgage loans, and other kinds of bills.
Direct debit life-cycle process includes the following:
This chapter contains the following sections:
You can invoke the ‘Creditor Mandate Maintenance’ screen by typing ‘PCDCMAND’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button. Click new button on the Application toolbar.
You can specify the following fields:
Branch Code
Specify the branch code for which the Creditor agreement is maintained.
Source Code
Specify the source code for which the agreement is maintained.
Host Code
Displays the host code of the specified branch code.
Customer Number
Select the Creditor customer number for which the mandate is maintained.
Network Code
Select the Creditor customer number for which the mandate is maintained.
You can specify the following fields in the Main tab of the screen:
Debtor Account Number
Specifies the Debtor account for which the mandate is maintained.
Debtor Account Currency
Specifies the Currency of the Account.
Debtor Account Branch
Specifies the branch of the Account.
Debtor IBAN
Specifies the IBAN of the Debtor account.
Debtor Name
Specifies the name of the Debtor account.
Address 1
Specifies the Address of the Debtor.
Address 2
Specifies the Address of the Debtor.
Country
Select the country to which the party belongs.
BIC
Specifies the BIC of the Debtor.
Debtor Agent Details
Debtor Bank Code
Specifies the bank code of the Debtor bank.
Debtor Bank Name
Specifies the name of the Debtor bank.
Address 1
Specifies the address of the Debtor bank.
Address 2
Specifies the address of the Debtor bank.
Country
Specifies the country to which the Debtor bank belongs.
Creditor Details
Account Number
Specifies the Creditor account for which the mandate is maintained.
Account Currency
Specifies the Currency of the Account.
Account Branch
Specifies the branch of the account.
Debtor Name
Specifies the name of the Debtor account.
Address 1
Specifies the Address of the Debtor.
Address 2
Specifies the Address of the Debtor.
Creditor Country
Select the country to which the party belongs.
BIC
Specifies the BIC of the Debtor.
Creditor IBAN
Specifies the IBAN of the Creditor account.
Creditor Agent Details
Creditor Bank Code
Specifies the bank code of the Creditor bank.
Debtor Bank Name
Specifies the name of the Creditor bank.
Debtor Account Branch
Specifies the branch of the account.
Address 1
Specifies the Address of the Creditor bank.
Address 2
Specifies the Address of the Creditor bank.
Country
Select the country to which the Creditor bank belongs to.
Creditor Bank Code
Select the bank code of the Creditor bank.
Mandate Details
Mandate ID
Specifies the unique identification assigned by the creditor to identify the mandate.
Mandate Request ID
Specify Mandate Request ID.
Mandate Type
Select the type of mandate maintained (paper form/electronic).
Sequence Type
Select the sequence type of the transaction. Allowed sequence types are OOFF (One off) and Recursive.
Frequency Type
Select the frequency type of the transaction Valid Values are Yearly, Monthly, Quarterly, Half-yearly, Weekly, Daily, Adhoc, Intraday & Fort-nightly.
Valid from Date
Select the date from which the mandate is valid.
Valid To Date
Select the date till which the mandate is valid.
First Collection Date
Select the date of the first collection of a DD as per mandate.
Transaction Amount
Specify a fixed amount to be collected from debtor account for every DD transaction if applicable.
Transaction Currency
Select the currency of the transaction.
Maximum Amount
Specify the maximum amount that can be collected from debtor account for every DD transaction.
Mandate Status
The system displays the status of the Mandate.
The following status are applicable for a creditor mandate
Remarks
Specify remarks, if any for the mandate.
Creditor Scheme Details
Identification Type
Select the identification type of the credit Party that signs the mandate.
Creditor Scheme ID
Select the Identification number of the credit party that signs the mandate.
Bank Code
Select the bank code of the credit party that signs the mandate..
Name
Specify the name of the credit party that signs the mandate.
Address 1
Specify the address of the credit party that signs the mandate.
Address 2
Specify the address of the credit party that signs the mandate.
Country
Select the country code of the credit party that signs the mandate.
Other Details
Expiry Date
Specifies the date from when the mandate gets expired.
Effective Date
Specifies the date from when the mandate becomes effective.
Click the Mandate Details tab from the ‘Creditor Mandate Maintenance’ screen.
You can specify the following fields:
Additional Details
Service Level Code
Specify the service level code for the mandate. Valid value is SEPA.
Service Level Value
Specify the service level value for the mandate.
Local Instrument Code
Specify the local instrument code. Valid values are COR/B2B.
Local Instrument Value
Specify the local instrument value.
Referred Document Details
Referred Document Code
Select the underlying documents associated with the mandate.
Referred Document Value
Specify the details to identify the underlying documents associated with the mandate.
Document Number
Specify the Unique and unambiguous identification of the referred document.
Related Date
Specify the Date associated with referred document.
Click the Other Details tab from the ‘Creditor Mandate Maintenance’ screen.
You can specify the following fields:
Other Details
Original Message Id
Specify the original message id of the mandate.
Creation Date Time
Specify the date and time of the amendment request received.
Amendment Reason Code
Specify the reason code for amendment. Allows valid set of codes only.
Amendment Reason Value
Specify the reason for the amendment.
Additional Info
Specify if any additional information is required.
Originator Bank Code
Select the originator details who has issued the amendment.
Originator Name
Specify the originator details who has issued the amendment.
Originator Name
Specify the originator details who has issued the amendment.
Cancellation Details
Original Message Id
Specify the original message id of the mandate.
Creation Date Time
Specify the date and time of the cancellation request received.
Cancel Reason Code
Specify the reason code for cancellation. Allows valid set of codes only.
Cancel Reason Value
Specify the reason for the cancellation.
Additional Info
Specify if any additional information is required.
Originator Name
Specify if any additional information is required.
You can invoke the ‘Creditor Mandate Maintenance Summary’ screen by typing ‘PCSCMAND’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button..
You can search using one or more of the following parameters:
Once you have specified the search parameters, click ‘Execute Query’ button. The system displays the records that match the search criteria.
Double click a record to view the detailed Creditor Mandate maintenance screen. You can also export the details of selected records to a file using ‘Export’ button.
You can invoke the ‘Debtor Mandate Maintenance’ screen by typing ‘PCDDMAND’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button.Click new button on the Application toolbar.
You can specify the following fields:
Branch Code
Specify the branch code for which the Debtor agreement is maintained.
Source Code
Specify the source code for which the agreement is maintained.
Host Code
Displays the host code of the specified branch code.
Customer Number
Specify the Debtor customer number for which the mandate is maintained.
Network Code
Select the Network Code for which the mandate is being created.
Click the Main tab from the ‘Debtor Mandate Maintenance’ screen.
You can specify the following fields:
Debtor Details
Account Number
Specify the debtor account for which the mandate is maintained.
Account Currency
Specify the Currency of the Account.
Account Branch
Specify the branch of the account.
Creditor Name
Specify the name of the Debtor.
Creditor Address 1
Specify the Address of the Debtor.
Creditor Address 2
Specify the Address of the Debtor.
Creditor Country
Specify the country to which the party belongs.
BIC
Specify the BIC of the Debtor.
Debtor Agent Details
Creditor Bank Code
Specify the bank code of the Debtor bank.
Creditor Bank Name
Specify the name of the Debtor bank.
Address 1
Specify the address of the Debtor bank.
Address 2
Specify the address of the Debtor bank.
Country
Select the country to which the Debtor bank belongs.
Creditor Details
Creditor Account Number
Specify the Creditor account for which the mandate is maintained.
Creditor Account Currency
Specify the Currency of the Account.
Creditor Account Branch
Specify the branch of the account.
Creditor Name
Specify the name of the Creditor account.
Address 1
Specify the Address of the Creditor.
Address 2
Specify the Address of the Creditor.
Country
Specify the country to which the party belongs.
BIC
Specify the BIC of the Creditor.
Creditor Agent Details
Creditor Bank Code
Specify the bank code of the Creditor bank.
Creditor Bank Name
Specify the name of the Creditor bank.
Address 1
Specify the Address of the Creditor bank.
Address 2
Specify the Address of the Creditor bank.
Country
Specify the country to which the Creditor bank belongs to.
Mandate Details
Mandate ID
Specify the unique identification assigned by the creditor to identify the mandate.
Mandate Request ID
Specify the mandate.
Mandate Type
Select the type of mandate maintained (paper form/electronic).
Sequence Type
Select the sequence type of the transaction. Allowed sequence types are OOFF (One off) and Recursive
Frequency Type
Select the frequency type of the transaction. Valid Values are Yearly, Monthly, Quarterly, Half-yearly, Weekly, Daily, Adhoc, Intraday & Fort-nightly
Valid from Date
Select the date from which the mandate is valid.
Valid To Date
Select the date till which the mandate is valid.
First Collection Date
Select the date of the first collection of a DD as per mandate.
Transaction Amount
Specify a fixed amount to be collected from debtor account for every DD transaction, if applicable.
Maximum Amount
Specify the maximum amount that can be collected from debtor account for every DD transaction.
Mandate Status
The system displays the status of the Mandate.
Remarks
Specify any remarks of the mandate.
Creditor Scheme Details
Identification Type
Select the identification type of the credit Party that signs the mandate.
Creditor Scheme ID
Select the Identification number of the credit party that signs the mandate.
Bank Code
Select the bank code of the credit party that signs the mandate.
Bank Name
Specify the name of the credit party that signs the mandate.
Address 1
Specify the address of the credit party that signs the mandate.
Address 2
Specify the address of the credit party that signs the mandate.
Country
Specify the country code of the credit party that signs the mandate.
Expiry Date
Specify the date from when the mandate gets expired.
Effective Date
Specify the date from when the mandate becomes effective.
Click the Mandate Details tab from the ‘Debtor Mandate Maintenance’ screen.
You can specify the following fields:
Additional Details
Service Level Code
Specify the service level code for the mandate. Valid value is SEPA.
Service Level Value
Specify the service level value for the mandate.
Local Instrument Code
Specify the local instrument code. Valid values are COR/B2B.
Local Instrument Value
Specify the local instrument value.
Referred Document Details
Referred Document Code
Specify the underlying documents associated with the mandate. The list displays valid Referred Document Type codes.
Referred Document Value
Specify the details to identify the underlying documents associated with the mandate.
Document Number
Specify the Unique and unambiguous identification of the referred document.
Related Date
Specify the Date associated with referred document.
Click the Other Details tab from the ‘Debtor Mandate Maintenance’ screen.
You can specify the following fields:
Other Details
Amendment Details
Original Message Id
Specify the original message id of the mandate.
Creation Date Time
Specify the date and time of the amendment request received.
Amendment Reason Code
Specify the reason code for amendment. Allows valid set of codes only.
Amendment Reason Value
Specify the reason for the amendment.
Additional Info
Specify if any additional information is required.
Originator Bank Code
Specify the originator details who has issued the amendment.
Originator Name
Specify the originator details who has issued the amendment.
Originator Name
Specify the originator details who has issued the amendment.
Cancellation Details
Original Message Id
Select the original message id of the mandate.
Creation Date Time
Specifies the date and time of the cancellation request received.
Cancel Reason Code
Specifies the reason code for cancellation. Allows valid set of codes only.
Cancel Reason Value
Specifies the reason for the cancellation.
Additional Info
Specifies if any additional information is required.
Originator Name
Specifies if any additional information is required.
You can invoke the ‘Debtor Mandate Maintenance Summary’ screen by typing ‘PCSDMAND’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button.
You can search using one or more of the following parameters:
Once you have specified the search parameters, click ‘Execute Query’ button. The system displays the records that match the search criteria.
Double click a record to view the detailed Debtor Mandate maintenance screen. You can also export the details of selected records to a file using ‘Export’ button.
Mandate status is subject change depending on the below listed scenarios:
You can invoke the ‘Creditor Scheme Id Maintenance’ screen by typing ‘PCDCSCHM’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button. Click new button on the Application toolbar.
You can specify the following fields:
Creditor Scheme ID Maintenance
ID Type
Specify the identification type of the Credit Party that signs the mandate.
Creditor Scheme Identification
Specify the Identification number of the credit party that signs the mandate.
Description
Specify the description of the Creditor Scheme ID.
Creditor Name
Specify the name of the credit party that signs the mandate.
Address 1
Specify the address of the credit party that signs the mandate.
Address 2
Specify the address of the credit party that signs the mandate.
Country Code
Specify the country code of the credit party that signs the mandate.
Date of Birth
Specify the date of birth of the creditor
Place of Birth
Specify the place of birth of the creditor
Contact Details
Specify the contact details of the creditor.
Other Details
Specify the remarks of the creditor.
You can invoke the ‘Creditor Scheme Id Maintenance Summary’ screen by typing ‘PCSCSCHM’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button..
You can search using one or more of the following parameters:
Once you have specified the search parameters, click ‘Execute Query’ button. The system displays the records that match the search criteria.
You can invoke the ‘Network Direct Debit Preferences Maintenance’ screen by typing ‘PCDNWDDP’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button. Click new button on the Application toolbar.
You can specify the following fields:
Network Code
Specify the network code for which the direct debit preferences are to be maintained
Network Description
The system displays the description of the network code selected.
Host Code
The system displays the logged in branch's host code.
Collection Scheme Type
Specify the scheme type of the mandate. The values allowed for this field are Core and B2B.
Transaction Type
Specify the transaction type for which the DD preferences are to be maintained for a specific network.
Transaction type can be Incoming or outgoing.
Click the Main tab from the ‘Network Direct Debit Preferences’ screen.
You can specify the following fields:
Limit Details
Maximum Transaction Amount
Specify the maximum transaction amount allowed for the network.
Minimum Transaction Amount
Specify the minimum transaction amount allowed for the network.
Dispatch On Us Transfer
Check this box if .
Exchange Rate Preferences
Note
Cross currency transactions are currently not allowed in Direct Debits.
Scheme Type Preferences
Agreement Required
Check this box if the Agreement is required to be validated during DD transaction processing.
Creditor ID Required
Check this box if Creditor Scheme ID must be provided during DD transaction processing.
Earliest Collection Dispatch Days
Specify the number of days, based on the calendar basis that will be subtracted from the transaction activation date to arrive at the earliest collection dispatch date.
Earliest Collection Receipt Days
Specify the number of days, based on the calendar basis that will be subtracted from the transaction activation date to arrive at the earliest collection receipt date.
First Collection Dispatch Days
Specify the number of days, based on the calendar basis that will be subtracted from the transaction activation date to arrive at the first collection dispatch date.
First Collection Receipt Days
Specify the number of days, based on the calendar basis that will be subtracted from the transaction activation date to arrive at the first collection receipt date.
Recurrent Collection Receipt Days
Specify the number of days, based on the calendar basis that will be subtracted from the transaction activation date to arrive at the recurrent collection receipt date.
Accounting Details
Debit Liquidation Code
Specify the accounting code for debit liquidation.
Credit Liquidation Code
Specify the accounting code for credit liquidation.
File Liquidation Code
Specify the accounting code for file dispatch/receipt accounting.
Pricing Details
Pricing Code
Specify the accounting code for pricing.
Click the Exception tab from the ‘Network Direct Debit Preferences’ screen.
You can specify the following fields:
Scheme Type
Specify the Scheme type for which the exceptional handling to be defined.
Return Days
Specify the number of days within which Return will be allowed on the DD transaction.
Refund Days
Specify the number of days within which Refund will be allowed on the DD transaction.
Recall Days
Specify the number of days within which Recall will be allowed on the DD transaction.
Reversal Days
Specify the number of days within which Reversal will be allowed on the DD transaction.
Calendar Basis
Specify the Calendar basis to derive the refund, recall and reversal days.
Process Auto Network Reject
Check this box if the auto processing of network reject transaction is done by the system.
Pricing Applicable
Check this box if pricing is applicable for the Exceptional transactions.
Return
Check this box if pricing is applicable for the Exceptional transactions.
Refund
Check this box if pricing applicable for a refund of DD transaction.
Recall
Check this box if pricing is applicable for a recall of DD transaction.
Reversal
Check this box if pricing is applicable for a reversal of DD transaction.
You can invoke the ‘Network Direct Debit Preferences Maintenance Summary’ screen by typing ‘PCSNWDDP’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button.
You can search using one or more of the following parameters:
Once you have specified the search parameters, click ‘Execute Query’ button. The system displays the records that match the search criteria.
Direct Debit Instruction maintenance is used in validating the incoming Direct Debits based on Black/White lists of creditors who are allowed or disallowed to raise a collection request.
You can invoke the ‘Debtor Direct Debit Instructions’ screen by typing ‘PCDPINSR’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button.Click new button on the Application toolbar.
You can specify the following fields:
Host Code
The host code of user’s logged in branch is populated while creating a new record.
Customer Number
Select the required Customer Number from the LOV.
Customer Account Number
Specify the Debtor Customer Account.
If the instruction is to be applied at the Customer Number level and for all accounts, then the value ‘ALL’ must be selected.
Collection Scheme Type
Select the Scheme type. The values are CORE and B2B.
Restriction Start Date
This field is optional. Once you specify the date then the black list validations will be applicable from that date only.
Restriction End Date
This field is optional. If end date is provided, then the black list validations will be applicable only up till the end date.
Restrict all inward collections Flag
Check this flag to indicate that all direct debit incoming transactions received for the debit customer will be blocked.
Blacklist/Whitelist Option
Creditor Scheme Details
Specify the Creditor Scheme ID type and Scheme Identification. Scheme ID type can be Organization ID or Private ID.
Creditor Account details
Specify the Creditor IBAN details in this block.
Mandate ID
Specify the Mandate ID details in this block. Mandates of the selected customer number would be listed.
An outgoing Direct debit transaction screen is used to initiate an outgoing DD transaction and to view the Outgoing direct debit transaction created through upload.
You can invoke ‘Direct Debit Outgoing Transaction Input’ screen by typing ‘PCDAOTXN’ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button.
You can specify the following fields:
Transaction Branch
Indicates the branch from which the user is logged in.
Host Code
Indicates the host code that is linked to the transaction branch of the customer
Network Code
Select the network code.
Source Code
This is defaulted to ‘MANL’ and it is non-editable for manually initiated transactions. For transactions created via upload, source would be SEPA & it is mandatory to maintain Source network preference for SEPA source.
Transaction Reference Number
Indicates a unique identifier of the Direct Debit transaction and it is auto-generated. For more details on the format, refer the Payments Core User Guide.
User Reference Number
This field will default the Transaction Ref Number field and you can modify the reference,if required.
End to end Id
Specifies the end to end transaction identification.
You can specify the following fields in the Main tab:
Creditor Details
Creditor Account Number
Select the creditor account for which the transaction is executed. Valid accounts maintained in the External Account maintenance are allowed to be selected.
Account IBAN
Account IBAN for which the transaction is displayed for the Creditor account number chosen.
Account Currency
Account currency is displayed.
Account Branch
Account Branch is displayed.
Creditor Name
Account name is displayed.
Credit Amount
Specify the amount specified for the credit transaction.
Creditor Bank BIC
Specify the BIC of the Creditor Bank.
Creditor Bank Code
Specify the bank code of the Creditor Bank.
Customer Number
Creditor customer number is displayed based on the account selected.
Customer Service Model
If Service model is linked to the customer number, the same is displayed.
Debtor Details
Debtor Account Number
Specify the debtor account for the transaction is initiated.
Account IBAN
Specify the Account IBAN for which the transaction is initiated.
Account Currency
The currency of the account.
Account Branch
Specify the branch of the debtor account.
Debtor Name
Specify the name of the debtor.
Debit Amount
Specify the amount to be debited.
Debtor Bank BIC
Select the BIC of the Debtor Bank.
Debtor Bank Code
Select the code of the Debtor Bank.
Payment Details
Booking Date
Specify the booking date of the direct debit transaction.
Instruction Date
Specify the instruction date of the transaction. This field identifies the original value date that was provided by the creditor during the instruction.
Value Date
Specify the value date of the transaction. This fields identifies the date on which the transfer to be made.
Dispatch Date
Specify the dispatch date of the direct debit transaction. This field denotes the date on which the message to be dispatched. Dispatch date will be derived based on the sequence type specified in the transaction.
Return by Date
This field denotes the date by which the Return request to be received for an outgoing DD transaction. This date is derived by value date plus the return days based on the calendar basis.
Refund by Date
This field denotes the date by which the refund request to be received for an outgoing DD transaction. This date is derived by value date plus refund days based on the calendar basis.
Recall by Date
This field denotes the date by which the Recall to be initiated for an outgoing DD transaction. This date is derived by value date minus the recall days based on the calendar basis.
Reversal by Date
This field denotes the date by which the reversal request to be initiated for an outgoing DD transaction. This date is derived by value date plus reversal days based on the calendar basis.
Transfer Currency
Specify the currency in which the transfer is initiated.
Transfer Amount
Specify the amount to be transferred.
Remarks
Specify any remarks, if any.
Linked Transaction Reference Number
In case of On Us transfers, incoming DD transaction booked as part of outgoing will be strored in Linked Transaction Reference Number field. This would be auto populated by the system on save, if Dispatch on Us transfer is No at PCDNWDDP.
Click Mandate Details tab from the Direct Debit Outgoing Transaction screen.:
You can specify the following fields:
Mandate Details
Date of Signature
Indicates the date on which the mandate was signed by debtor. This is defaulted based on the mandate ID selected.
Sequence Type
Select the required sequence type. Valid values are:
Original Mandate Id
Specify the identification of the original mandate. This field indicates the original mandate ID as assigned by the creditor, to identify the original mandate maintained. This field is mandatory if changes occur in ‘Mandate Identification’, otherwise not to be used.
Original Debtor Bank
Specify the details of the Original Debtor Bank.
Final Collection Date
Specify the final collection date.
Original Debtor Agent Account Number
Specify the account number of the Original Debtor Agent.
Original Debtor Account Number
Specify the account number of the Original Debtor.
Amend Indicator
This Indicator is for notifying whether the underlying mandate is amended or not. Check this box if amendment is applicable.
Electronic Signature
Specify the electronic signature details.
Mandate Id
Specify the identification of the mandate.
Original Debtor Account
Specify the account details of the Original Debtor.
First Collection Date
Specify the date of first collection.
Original Debtor Agent Bank BIC
Specify the BIC of the original Debtor Agent Bank.
Original Debtor Bank BIC
Specify the BIC of the original Debtor Agent Bank.
Original Final Collection Date
Specify the date of the Original Final Collection Date.
Creditor Scheme Details
Scheme Id
Specify the identification of the creditor scheme.
Scheme Id Type
Specify the type of Scheme identification.
Scheme Type
Specify the type of scheme.
Scheme Value
Specify the value of the creditor scheme.
Original Creditor Scheme Details
Original Creditor Scheme details are required if changes occur in ‘Creditor Scheme ID or Name', otherwise not to be used
Scheme Name
Specify the name of the Original Creditor Scheme.
Original Creditor Agent BIC
Specify the BIC of the Original Creditor Agent.
Original Creditor Agent Account
Specify the account details of the Original Creditor Agent.
Scheme Id
Specify the identification of the Original Creditor Scheme.
Scheme Id Type
Specify the type of Scheme identification.
Original Creditor Scheme Type
Specify the type of Original Creditor Scheme.
Scheme Value
Specify the value of the Original Creditor Scheme.
Address 1
Specify the first line of the address of the Original Creditor.
Address 2
Specify the second line of the address of the Original Creditor.
Country
Specify the country of the Original Creditor.
Click the Pricing tab from the Direct Debit Outgoing Transaction screen.:
You can view the charge/tax details derived for the transaction in Pricing tab.You can amend the price values/waiver flag, if required.
Pricing Component
This field indicates the pricing component derived for the DD transaction.
Pricing Currency
Indicates the pricing currency of the component.
Pricing Amount
Specifies the fixed or calculated charge amount using the Pricing Value Maintenance. You can edit this field to a non-zero value.
Waiver
Check this box to select the charge component to waive the associated charges.
Debit Currency
Indicates the currency of the debit account.
Debit Amount
Indicates the amount debited to the selected debit amount.
Specify the additional details in this screen. Click on the ‘Additional Details’ to invoke this screen.
Debtor Name
Specify the name of the debtor.
Branch BIC
Specify the Branch BIC of the debtor.
Id Type
Specify the type of identification.
ID
Specify the identification of the Debtor.
Scheme Code
Specify the Scheme Code of the Debtor.
Issuer
Specify the Issuer of the Debtor.
Proprietary
Specify the Proprietary details of the Debtor.
Debtor Contact Details
Contact Name
Specify the Contact Name of the Debtor.
Name Prefix
Specify the prefix name of the Debtor.
Phone Number
Specify the phone number of the Debtor.
Mobile Number
Specify the mobile number of the Debtor.
Fax Number
Specify the fax number of the Debtor.
Email Address
Specify the mailing address of the Debtor.
Other
Specify any other details of the Debtor.
Country of Residence
Specify the country of residence of the Debtor.
Address
Select the address of the Debtor.
Address 1 through to Address 2
Select the address of the Debtor in the two lines provided.
Department
Specify the department of the Debtor.
Sub Department
Specify the sub department of the Debtor.
Building Number
Specify the building number.
Postal Code
Specify the postal code.
Town Name
Specify the name of the town.
Country Sub-Division
Specify the country sub-division.
Country
Specify the country of the debtor.
Ultimate Debtor Name
Specify the name of the Ultimate Debtor.
Bank BIC
Specify the Bank BIC.
ID Type
Specify the type of identification.
ID
Specify the identification.
Scheme Code
Specify the scheme code details.
Branch BIC
Specify the Branch BIC.
Proprietary
Specify the Ultimate Debtor proprietary information.
Ultimate Debtor Contact Details
Contact Name
Specify the Contact Name of the Ultimate Debtor.
Name Prefix
Specify the prefix name of the Ultimate Debtor.
Phone Number
Specify the phone number of the Ultimate Debtor.
Mobile Number
Specify the mobile number of the Ultimate Debtor.
Fax Number
Specify the fax number of the Ultimate Debtor.
Email Address
Specify the mailing address of the Ultimate Debtor.
Other
Specify any other details of the Ultimate Debtor.
Country of Residence
Specify the country of Residence of the Ultimate Debtor.
Address
Select the address of the Ultimate Debtor.
Address 1 through to Address 2
Select the address of the Ultimate Debtor in the two lines provided.
Department
Specify the department of the Ultimate Debtor.
Sub Department
Specify the sub department of the Ultimate Debtor.
Building Number
Specify the building number.
Postal Code
Specify the postal code.
Town Name
Specify the name of the town.
Country Sub-Division
Specify the country sub-division.
Country
Specify the country of the Creditor.
Creditor Name
Specify the name of the Creditor.
Branch BIC
Specify the Branch BIC of the Creditor.
Id Type
Specify the type of identification.
ID
Specify the identification of the Creditor.
Scheme Code
Specify the Scheme Code of the Creditor.
Issuer
Specify the Issuer of the Creditor.
Proprietary
Specify the Proprietary details of the Creditor.
Creditor Contact Details
Contact Name
Specify the Contact Name of the Creditor.
Name Prefix
Specify the prefix name of the Creditor.
Phone Number
Specify the phone number of the Creditor.
Mobile Number
Specify the mobile number of the Creditor.
Fax Number
Specify the fax number of the Creditor.
Email Address
Specify the mailing address of the Creditor.
Other
Specify any other details of the Creditor.
Country of Residence
Specify the country of residence of the Creditor.
Address
Select the address of the Creditor.
Address 1 through to Address 2
Select the address of the Creditor in the two lines provided.
Department
Specify the department of the Creditor.
Sub Department
Specify the sub department of the Creditor.
Building Number
Specify the building number.
Postal Code
Specify the postal code.
Town Name
Specify the name of the town.
Country Sub-Division
Specify the country sub-division.
Country
Specify the country of the Creditor.
Click on the ‘UDF’ button to invoke this screen.
You can specify user defined fields for each transaction.
Click on the ‘MIS’ button to invoke this screen.
You can specify the MIS details in this sub-screen.
You can invoke ‘Direct Debit Outgoing Transaction View’ screen by typing ‘PCDOVIEW’ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button.
Click the Accounting Details tab in the Direct Debit Outgoing View screen.:
If accounting entries are posted for a transaction you can view the details from the Accounting Details tab.
Click the Transaction Details tab in the Direct Debit Outgoing View screen.:
You can view the below status for a Direct Debit transaction from Transaction Details tab:
Status of External system checks will be available for sanction check and external credit approval with related reference numbers.
Exception queue code and Error code details are available under Exception Queue status.
Click the Exception Details tab in the Direct Debit Outgoing View screen.:
Exception transactions are not currently supported.
Click the View Queue Action button in the Direct Debit Outgoing Transaction screen.:
You can query against any Transaction Reference Number or Network Code.
Click the View Repair Log button in the Direct Debit Outgoing Transaction screen.:
You can query against any Transaction Reference Number.
You can invoke the ‘Direct Debit Outgoing Transaction Summary’ screen by typing ‘PCSAOTXN’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button.
You can search using one or more of the following parameters:
Once you have specified the search parameters, click ‘Execute Query’ button. The system displays the records that match the search criteria.
Double click a record to view the detailed Periodic Instruction maintenance screen. You can also export the details of selected records to a file using ‘Export’ button.
The system performs the following mandatory field checks and the referential checks during the enrich/ save of outgoing direct debit transaction.
If any of the below validation fails, then the transaction is rejected with an error code.
Following fields are mandatory for requesting Outgoing Direct Debit transaction:
If the source code is not MANL, then it is mandatory to specify the Source reference number.
Customer/Account status validation is done based on the status details available in External Customer maintenance/External Account maintenance.
Holiday check for instruction date is done based on the local branch holidays maintained.
Any validation failure from user interface screen throws error on transaction saving. You can check the error details from the respective error message displayed and can take remedial action before re-submitting.
The transaction authorization process involves the following steps:
● IBAN Length
● Check digit of the IBAN
● National ID of the IBAN
Note
Charge computation at this stage is applicable for transaction received from SOAP/REST web services. Charges for transactions entered from UI screen is computed during enrichment/save.
Message Type
Interbank Settlement Date
Instructed Agent / Assignee
STEP2 network filenames structures are as follows:
In addition to Currency and Network Holidays, Branch holidays is considered in determining the Value date and Activation date for SWIFT, ACH, and RTGS payments.
Processing Branch holidays is considered in the Dates resolution only if a particular parameter in Network Preferences for the ‘Outgoing’ or ‘Incoming’ transaction type is checked.
This new parameter is called ‘Consider Branch Holidays in Dates resolution’.
Direct debit Incoming transactions can be created based on the upload of incoming DNF file received from Clearing Network or using Direct Debit Incoming Transaction screen.
The UI screen will be used to capture the details of incoming DD request received from creditor bank, if STP processing fails during Incoming contract creation.
You can invoke ‘Direct Debit Incoming Transaction Input’ screen by typing ‘PCDAITXN’ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button.
You can specify the following fields:
Transaction Branch
This field is defaulted as customer’s logged in branch.
Host Code
Indicates the host code that is linked to the transaction branch of the customer.
Host Description
The system displays the description of the Host code.
Source Code
The system displays the default source code 'MANL' for manually entered transactions. For transactions created via upload, source would be SEPA & its mandatory to maintain Source network preference for SEPA source.
Network Code
Select an appropriate Network code for the transaction.
Network Description
The system displays the description of the Network code selected.
Transaction Reference Number
Indicates a unique identifier of the Direct Debit transaction and it is auto-generated. For more details on the format, refer the Payments Core User Guide.
User Reference Number
This field is defaulted as transaction reference number.You can amend the field to specify the user reference number.
File Reference Number
You can enter the incoming file reference number.
You can specify the following field details in the Main tab:
Debtor Details
Debtor Account Number
Select the Debtor’s account held with Debtor bank.
Debtor IBAN
Specify the Debtor IBAN No held with Debtor bank.
Account Currency
This field is defaulted as the currency of the Debtor account.
Account Branch
This field is defaulted as the account branch of the debit account selected.
Debtor Name
Debtor name is defaulted based on the debit account selected.
Debtor Bank Code
Specify the bank code of the Debtor bank.
Creditor Details
Creditor Account Number
Specify the Creditor’s Account held with Creditor bank.
Creditor Name
The system displays the Account Name based on the selected Creditor Account Number.
Account IBAN
Specify the Creditor Account IBAN maintained with Creditor Bank.
Creditor Bank Code
Specify the bank code of the Creditor Bank.
Account Currency
The currency of the account.
Credit Amount
This field populates the Transfer Amount field. If Creditor account currency is different from the transfer amount currency then, exchange rate is applied.
Debtor Details
Address 1
Specify the information that locates and identifies a specific address, as defined by postal services.
Address 2
Information that locates and identifies a specific address, as defined by postal services.
Country Code
Specify the country code of the Debtor.
Address Type
Specify the nature of the postal address.
Department
Specify the identification of a sub-division of a large organization or building.
Sub Department
Specify the nature of the postal address.
Street Name
Specifies the name of the street
Building Number
Specify a group of letters and/or numbers that is added to a postal address to assist the sorting of mail.
Post Code
Specifies the postal code.
Town Name
Specifies the name of the town.
Country Subdivision
Indicates how to contact the party.
Contact Details
Specifies the nature of the postal address.
Debtor Id type
Indicates the ID of the Debtor.
Payment Details
Booking Date
This field identifies the date on which the transaction is booked. By default it populates the current application date.
Instruction Date
This field identifies the original value date that was provided by the creditor during the instruction.
Value Date
This fields identifies the date on which the transfer to be made.
Return by Date
Specify the date by which the return must be executed.
Refund by Date
Specify the date by which the refund must be executed.
Recal by Date
Specify the date by which the recall must be executed.
Reversal by Date
Specify the date by which the reversal must be executed.
Transfer Currency
Specify the currency in which the transfer is initiated.
Transfer Amount
Specify the amount to be transferred.
Exchange Rate
Specify the exchange rate.
Remarks
Specify any remarks, if any.
Book Transfer
Check this box to initiate a book transfer.
Linked Transaction Reference Number
Specify the reference number of the linked transaction.
Incoming Message Id
Specifies the Point to point reference, as assigned by the instructing party, and sent to the next party in the chain to unambiguously identify the message.
Incoming Transaction Id
Specifies the Unique identification, as assigned by the first instructing agent, to unambiguously identify the transaction that is passed on, unchanged, throughout the entire interbank chain.
Incoming End to End Id
A customer reference that must be passed on in the end-to-end payment chain. In the event that no reference was given, ‘NOTPROVIDED’ must be used.
Charge Bearer
Specify the Charge Bearer details.
Click Mandate Details tab from the Direct Debit Incoming Transaction screen.:
You can specify the following fields:
Mandate Details
Date of Signature
Indicates the date on which the mandate was signed by debtor. This is defaulted based on the mandate ID selected.
Sequence Type
Select the required sequence type. Valid values are:
Original Mandate Id
Specify the identification of the original mandate. This field indicates the original mandate ID as assigned by the creditor, to identify the original mandate maintained. This field is mandatory if changes occur in ‘Mandate Identification’, otherwise not to be used.
Original Debtor Bank
Specify the details of the Original Debtor Bank.
Final Collection Date
Specify the final collection date.
Original Debtor Agent Account Number
Specify the account number of the Original Debtor Agent.
Original Debtor Account Number
Specify the account number of the Original Debtor.
Amend Indicator
This Indicator is for notifying whether the underlying mandate is amended or not. Check this box if amendment is applicable.
Electronic Signature
Specify the electronic signature details.
Mandate Id
Specify the identification of the mandate.
Original Debtor Account
Specify the account details of the Original Debtor.
First Collection Date
Specify the date of first collection.
Original Debtor Agent Bank BIC
Specify the BIC of the original Debtor Agent Bank.
Original Debtor Bank BIC
Specify the BIC of the original Debtor Agent Bank.
Original Final Collection Date
Specify the date of the Original Final Collection Date.
Creditor Scheme Details
Scheme Id
Specify the identification of the creditor scheme.
Scheme Id Type
Specify the type of Scheme identification.
Scheme Type
Specify the type of scheme.
Scheme Value
Specify the value of the creditor scheme.
Original Creditor Scheme Details
Original Creditor Scheme details are required if changes occur in ‘Creditor Scheme ID or Name', otherwise not to be used
Scheme Name
Specify the name of the Original Creditor Scheme.
Original Creditor Agent BIC
Specify the BIC of the Original Creditor Agent.
Original Creditor Agent Account
Specify the account details of the Original Creditor Agent.
Scheme Id
Specify the identification of the Original Creditor Scheme.
Scheme Id Type
Specify the type of Scheme identification.
Original Creditor Scheme Type
Specify the type of Original Creditor Scheme.
Scheme Value
Specify the value of the Original Creditor Scheme.
Address 1
Specify the first line of the address of the Original Creditor.
Address 2
Specify the second line of the address of the Original Creditor.
Country
Specify the country of the Original Creditor.
Click the Pricing tab from the Direct Debit Incoming Transaction screen.:
You can view the charge/tax details derived for the transaction in Pricing tab.You can amend the price values/waiver flag, if required.
Pricing Component
This field indicates the pricing component derived for the DD transaction.
Pricing Currency
Indicates the pricing currency of the component.
Pricing Amount
Specifies the fixed or calculated charge amount using the Pricing Value Maintenance. You can edit this field to a non-zero value.
Waiver
Check this box to select the charge component to waive the associated charges.
Debit Currency
Indicates the currency of the debit account.
Debit Amount
Indicates the amount debited to the selected debit amount.
Click the Additional Details tab in the Direct Debit Incoming Transaction screen.:
You can specify the following fields:
Debtor Name
Specify the name of the debtor.
Branch BIC
Specify the Branch BIC of the debtor.
Id Type
Specify the type of identification.
ID
Specify the identification of the Debtor.
Scheme Code
Specify the Scheme Code of the Debtor.
Issuer
Specify the Issuer of the Debtor.
Proprietary
Specify the Proprietary details of the Debtor.
Debtor Contact Details
Contact Name
Specify the Contact Name of the Debtor.
Name Prefix
Specify the prefix name of the Debtor.
Phone Number
Specify the phone number of the Debtor.
Mobile Number
Specify the mobile number of the Debtor.
Fax Number
Specify the fax number of the Debtor.
Email Address
Specify the mailing address of the Debtor.
Other
Specify any other details of the Debtor.
Country of Residence
Specify the country of residence of the Debtor.
Address
Select the address of the Debtor.
Address 1 through to Address 2
Select the address of the Debtor in the two lines provided.
Department
Specify the department of the Debtor.
Sub Department
Specify the sub department of the Debtor.
Building Number
Specify the building number.
Postal Code
Specify the postal code.
Town Name
Specify the name of the town.
Country Sub-Division
Specify the country sub-division.
Country
Specify the country of the debtor.
Ultimate Debtor Name
Specify the name of the Ultimate Debtor.
Bank BIC
Specify the Bank BIC.
ID Type
Specify the type of identification.
ID
Specify the identification.
Scheme Code
Specify the scheme code details.
Branch BIC
Specify the Branch BIC.
Proprietary
Specify the Ultimate Debtor proprietary information.
Ultimate Debtor Contact Details
Contact Name
Specify the Contact Name of the Ultimate Debtor.
Name Prefix
Specify the prefix name of the Ultimate Debtor.
Phone Number
Specify the phone number of the Ultimate Debtor.
Mobile Number
Specify the mobile number of the Ultimate Debtor.
Fax Number
Specify the fax number of the Ultimate Debtor.
Email Address
Specify the mailing address of the Ultimate Debtor.
Other
Specify any other details of the Ultimate Debtor.
Country of Residence
Specify the country of Residence of the Ultimate Debtor.
Address
Select the address of the Ultimate Debtor.
Address 1 through to Address 2
Select the address of the Ultimate Debtor in the two lines provided.
Department
Specify the department of the Ultimate Debtor.
Sub Department
Specify the sub department of the Ultimate Debtor.
Building Number
Specify the building number.
Postal Code
Specify the postal code.
Town Name
Specify the name of the town.
Country Sub-Division
Specify the country sub-division.
Country
Specify the country of the Creditor.
Creditor Name
Specify the name of the Creditor.
Branch BIC
Specify the Branch BIC of the Creditor.
Id Type
Specify the type of identification.
ID
Specify the identification of the Creditor.
Scheme Code
Specify the Scheme Code of the Creditor.
Issuer
Specify the Issuer of the Creditor.
Proprietary
Specify the Proprietary details of the Creditor.
Creditor Contact Details
Contact Name
Specify the Contact Name of the Creditor.
Name Prefix
Specify the prefix name of the Creditor.
Phone Number
Specify the phone number of the Creditor.
Mobile Number
Specify the mobile number of the Creditor.
Fax Number
Specify the fax number of the Creditor.
Email Address
Specify the mailing address of the Creditor.
Other
Specify any other details of the Creditor.
Country of Residence
Specify the country of residence of the Creditor.
Address
Select the address of the Creditor.
Address 1 through to Address 2
Select the address of the Creditor in the two lines provided.
Department
Specify the department of the Creditor.
Sub Department
Specify the sub department of the Creditor.
Building Number
Specify the building number.
Postal Code
Specify the postal code.
Town Name
Specify the name of the town.
Country Sub-Division
Specify the country sub-division.
Country
Specify the country of the Creditor.
Ultimate Creditor ID Type
Specify the type of Identification
Ultimate Creditor ID
Id of Ultimate party that owes an amount of money to the (ultimate) Debtor.
Address 1
Specify the information that locates and identifies a specific address, as defined by postal services.
Address 2
Information that locates and identifies a specific address, as defined by postal services.
Country Code
Specify the country code of the ultimate debtor.
Ultimate Debtor ID Type
Specify the type of Identification
Ultimate Debtor ID
Id of Ultimate party that owes an amount of money to the (ultimate) creditor.
Name
Name of Ultimate party that owes an amount of money to the (ultimate) creditor..
Address 1
Specify the information that locates and identifies a specific address, as defined by postal services.
Address 2
Information that locates and identifies a specific address, as defined by postal services.
Country
Specify the country code of the ultimate debtor.
Contact Details
Specify the Indicates the details to contact the ultimate debtor.
Other Details Tab
Specify the following fields:
Initiating Party
Specify the Party that initiates the transaction
Instructing Agent BIC
Select the Agent that instructs the next party in the chain to carry out the (set of) instruction(s).Allows you to select a valid bank code BIC from list of values.
Instructed Agent BIC
Select the Agent that is instructed by the previous party in the chain to carry out the (set of) instruction(s). Allows you to select a valid bank code BIC from list of values.
Intermediary Agent1BIC
Select the Agent between the debtor's agent and the creditor's agent.
Allows you to select a valid bank code BIC from list of values If more than one intermediary agent is present, then IntermediaryAgent1 identifies the agent between the Debtor Agent and the IntermediaryAgent2.
Intermediary Agent 1 Account No
Specify the Account no of Intermediary Agent 1 BIC.
Intermediary Agent 2 BIC
Select the agent between the debtor's agent and the creditor's agent.
Allows you to select a valid bank code BIC from list of values If more than two intermediary agents are present, then IntermediaryAgent2 identifies the agent between the IntermediaryAgent1 and the IntermediaryAgent3.
Intermediary Agent 2 Account No
Specify the Account number of Intermediary Agent 2 BIC.
Intermediary Agent 3 BIC
Select the agent between the debtor's agent and the creditor's agent.
Allow to select a valid bank code BIC from list of values If IntermediaryAgent3 is present, then it identifies the agent between the intermediary agent 2 and the debtor agent.
Intermediary Agent 3 Account No
Specify the Account number of Intermediary Agent 3 BIC.
Purpose Details
Purpose Code
Select the underlying reason for the DD transaction using Code.
Purpose Value
Specify the underlying reason for the DD transaction using value.
Local Instrument Code
Displays the local instrument, as published in an external local instrument code list.
Service Level Code
Displays a pre-agreed service or level of service between the parties, as published in an external service level code list.
By default SEPA for SDD transaction is defaulted from the SEPA DD network.
Regulatory Reporting
Specify the Information needed due to regulatory and statutory requirements.
Click the Other Details tab in the Direct Debit Incoming Transaction screen.:
You can specify the following fields:
Message ID
Specify the message identification.
End to End ID
Specify the end to end identification
Instructing Party
Specify the instructing party details.
Service Level Code
Specify the Service Level Code.
Local Instrument Code
Specify the local instrument code.
Category Purpose Code
Specify the category purpose code.
Inter Bank Settlement Amount
Specify the Inter bank Settlement Amount.
Inter Bank Settlement Date
Specify the Inter Bank Settlement Date.
Instructed Amount
Specify the Instructed Amount
Exchange Rate
Specify the Exchange Rate
Instruction Code
Specify the Instruction Code
Clearing System Reference
Specify the Clearing System Reference.
Clearing Channel
Specify the Clearing Channel.
Service Level Value
Specify the Service Level Value.
Local Instrument Value
Specify the Local Instrument Value.
Category Purpose Value
Specify the Category Purpose Value
Local Instrument Value
Specify the Local Instrument Value.
Inter Bank Settlement Currency
Specify the Inter Bank Settlement Currency.
Settlement Party
Specify the Settlement Party details.
Instructed Currency
Specify the Instructed Currency.
Click on the ‘UDF’ button to invoke this screen.
You can specify user defined fields for each transaction.
Click on the ‘MIS’ button to invoke this screen.
You can specify the MIS details in this sub-screen.
You can invoke ‘Direct Debit Incoming Transaction View’ screen by typing ‘PCDIVIEW’ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button.
Click the Accounting Details tab in the Direct Debit Incoming View screen.:
If accounting entries are posted for a transaction you can view the details from the Accounting Details tab.
Click the Transaction Details tab in the Direct Debit Incoming Transaction screen.:
You can view the below status for a Direct Debit transaction from Transaction Details tab:
Status of External system checks will be available for sanction check and external credit approval with related reference numbers.
Exception queue code and Error code details are available under Exception Queue status.
Click the Exception Details tab in the Direct Debit Incoming Transaction screen.:
Exception transactions are not currently supported.
Click the View Queue Action button in the Direct Debit Incoming Transaction screen.:
You can query against any Transaction Reference Number or Network Code.
Click the View Repair Log button in the Direct Debit Incoming Transaction screen.:
You can query against any Transaction Reference Number.
You can invoke the ‘Direct Debit Incoming Transaction Summary’ screen by typing ‘PCSAITXN’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button.
You can search using one or more of the following parameters:
Once you have specified the search parameters, click ‘Search’ button. The system displays the records that match the search criteria.
Double click a record to view the detailed Direct Debit Incoming Transaction screen. You can also export the details of selected records to a file using ‘Export’ button.
Instructions maintained for Debit Customer Number is scanned for the debit account (or if not available for ‘ALL’ option) and the Collection Scheme type. If no instruction is available, then the system proceeds with the next processing step.
If instructions are exists for the debtor, the following checks are carried out:
The transaction is moved into Business Override Queue if all or any one of the above checks is true. The related error code and description gets displayed in the Queue.
Electronic collections can be received prior to actual settlement date. The system does the processing till Sanction check and then move the transactions to a future valued table.
The following additional processing are done in the settlement date processing of Inward collections:
The inward collection is returned with appropriate return code if any of the validations fail.
Notifications will be supported as part of an Incoming DD transactions in common format on completion of the transaction processing.
Network Character Validation is done for the R-transactions initiated manually for the following payment types –
This validation is only on fields input by the user except LOV and drop-down fields.
You can invoke the ‘Periodic Instructions Maintenance’ screen by typing ‘PCDPINST’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button.Click new button on the Application toolbar.
You can specify the following fields:
Branch Code
Specify the branch code for which the periodic instruction is maintained.
Source Code
Specify the source code through which the agreement is maintained.
Host Code
Displays the host code of the specified branch code.
Customer Number
Specify the creditor customer number for which the periodic instruction is maintained.
Customer Name
Specify the description of the selected customer.
Instruction Reference Number
Specify the reference number of the periodic instruction maintained.
Agreement ID
Specify the mandate ID for which the periodic instruction is maintained.
Valid from Date
Specify the date from when the periodic instruction becomes valid.
Valid to Date
Specify the date till when the periodic instruction becomes valid.
Instruction Start Date
Specify the date from when the first transaction gets generated based on the periodic instruction maintained.
Frequency
Select the frequency of the DD Outgoing transaction to be created using the periodic instruction.
Transfer Amount
Specify the transfer amount for which the Outgoing DD transaction to be created using the periodic instruction.
Remarks
Specify the additional details of the periodic instruction.
Debtor Details
Account Number
Specifies the debtor account for which the mandate is maintained.
Account Currency
Specifies the Currency of the Account.
Account Branch
Specifies the branch of the account.
Name
Specifies the name of the Debtor.
Address 1
Specifies the Address of the Debtor.
Address 2
Specifies the Address of the Debtor.
Country
Specifies the country to which the party belongs.
BIC
Specifies the BIC of the Debtor.
Creditor Details
Creditor Account Number
Specifies the Creditor account for which the mandate is maintained.
Creditor Account Currency
Specifies the Currency of the Account.
Creditor Account Branch
Specifies the branch of the account.
Creditor Name
Specifies the name of the Creditor account.
Address 1
Specifies the Address of the Creditor.
Address 2
Specifies the Address of the Creditor.
Country
Specifies the country to which the party belongs.
BIC
Specifies the BIC of the Creditor.
Debtor Agent Details
Debtor Bank Code
Specifies the bank code of the Debtor bank.
Debtor Bank Name
Specifies the name of the Debtor bank.
Address 1
Specifies the Address of the Debtor bank.
Address 2
Specifies the Address of the Debtor bank.
Country
Specifies the country to which the Debtor bank belongs to.
You can invoke the ‘Periodic Instructions Summary’ screen by typing ‘PCSPINST’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button.
You can search using one or more of the following parameters:
Once you have specified the search parameters, click ‘Execute Query’ button. The system displays the records that match the search criteria.
Double click a record to view the detailed Periodic Instruction maintenance screen. You can also export the details of selected records to a file using ‘Export’ button.
When R- transactions are received, system tries to match the transaction with the original direct debit sent irrespective of the original transaction status. Transactions pending in exception queues / future value queues will also be considered for matching.
If the original transaction fetched is not found or not in the expected status, system will move the R- message to an exception queue with appropriate error message.
You can verify the details of original transaction, initiate appropriate steps for moving the transaction to the required status and then re-initiate the processing of R-message.
More information on R- Messages Queue is available in the Queues User Manual.
An incoming Direct Debit transaction can be rejected by the debtor bank, before settlement. This is possible on the below scenarios:
In these cases, the incoming collection transaction moves in to appropriate queue & does not gets liquidated. If the exception could not be resolved, user needs cancel the transaction from the current queue and move it to Repair Queue. And from Repair Queue, the transaction needs to be rejected. On rejection, system will trigger the following actions:
For the pre-settlement rejected transaction’s amount, debit Nostro & credit Clearing Suspense GL entry will be posted, with DCLG event.
The pre-settlement R-Messages must follow the same processing option (either Single Transaction Processing or Batch Processing) as the original Direct Debit.
The reject transaction can be viewed in the Direct Debit Incoming Reject screen - PCDINRJT
Specify the following fields:
Reject Reference Number
This field gets auto-populated with the Reject Reference Number when you click on New.
Reject Date
This field gets auto-populated with the Reject Date when you click on New. The system displays the current date by default.
Reject Status
Specify the Reject Status.
Original Transaction Reference
Specify the Original Transaction Reference from the list of values.
Transaction Branch
Specify the Transaction Branch.
Host Code
This field gets auto-populated with the host code of the specified branch code when you click on New.
Network Code
This field gets auto-populated with the host code of the specified branch code when you click on New.
End to End ID
Specify the end to end transaction identification.
Reject Details
Reject Code
Specify the bank code of the Debtor bank.
Reject Reason
Specify the reason for Reject.
Additional Info
Specify the any additional information.
Originator Bank
Specify the Originator Bank from the list of values.
Originator Name
Specify the name of the Originator.
Original Transaction Details
Transfer Currency
Specify the Transfer Currency.
Transfer Amount
Specify the Transfer Amount.
Creditor IBAN
Specify the Creditor IBAN.
Debtor IBAN
Specify the Debtor IBAN.
Creditor Name
Specify the name of Creditor.
On Us Transfer
Specify the On Us Transfer details.
Creditor Bank BIC
Specify the Bank BIC of the Creditor bank.
Debtor Bank BIC
Specify the BIC of the Debtor bank.
Network Reject Details
Reject Reference
The system displays the Reject Reference details.
Reject Received Date
The system displays the date on which the network reject was received.
Reject Code
The system displays the network reject code.
Reject Reason
The system displays the reason for Network Reject.
Original Message Reference
Specify the Original Message Reference.
Message Date
Specify the Message Date
File Reference Number
The system displays the File Reference Number.
An outgoing Direct Debit transaction can be rejected by the debtor bank, before settlement. The debtor bank will send a pacs.002 message, for the same. On uploading this message following activities will be triggered by the system:
The reject transaction details can be queried from Direct Debit Outgoing Reject – PCDONRJT.
In case of any issues in pacs.002 file upload, you can also initiate the pre settlement rejection request from this screen. Choose Reject Transaction Type as Reject.
Specify the following fields:
Reject Reference Number
This field gets auto-populated with the Reject Reference Number when you click on New.
Reject Date
This field gets auto-populated with the Reject Date when you click on New. The system displays the current date by default.
Reject Status
Specify the Reject Status.
Reject Transaction Type
Select the type of transaction. The options are Reject, Return and Refund.
Original Transaction Reference
Specify the Original Transaction Reference from the list of values.
Transaction Branch
Specify the Transaction Branch.
Host Code
This field gets auto-populated with the host code of the specified branch code when you click on New.
Network Code
This field gets auto-populated with the host code of the specified branch code when you click on New.
End to End ID
Specify the end to end transaction identification.
Original Transaction ID
Original Transaction ID is matched with original recall reference.
Reject Details
Reject Code
Specify the bank code of the Debtor bank.
Reject Reason
Specify the reason for Reject.
Additional Info
Specify the any additional information.
Originator Bank
Specify the Originator Bank from the list of values.
Originator Name
Specify the name of the Originator.
Original Transaction Details
Transfer Currency
Specify the Transfer Currency.
Transfer Amount
Specify the Transfer Amount.
Creditor IBAN
Specify the Creditor IBAN.
Debtor IBAN
Specify the Debtor IBAN.
Creditor Name
Specify the name of Creditor.
On Us Transfer
Specify the On Us Transfer details.
Creditor Bank BIC
Specify the Bank BIC of the Creditor bank.
Debtor Bank BIC
Specify the BIC of the Debtor bank.
Network Reject Details
Reject Reference
The system displays the Reject Reference details.
Reject Received Date
The system displays the date on which the network reject was received.
Reject Code
The system displays the network reject code.
Reject Reason
The system displays the reason for Network Reject.
Original Message Reference
Specify the Original Message Reference.
Message Date
Specify the Message Date
File Reference Number
The system displays the File Reference Number.
An incoming Direct Debit transaction can be returned by the debtor bank, post its settlement. The debtor bank will initiate the same based on the debtor customer’s request or due to debtor bank’s internal reasons.
Return is initiated on or after the value date of the incoming collection transaction. Thus the transaction will liquidated by then.
Direct Debit Incoming Return screen (PCDINRTN) is used to book Return of Incoming Collection.
Select the original transaction reference number, via LOV, which needs to be returned. Fill the reject code, reject reason details. On save & authorize of this return action the following will be triggered:
Note
Return action is allowed only before return days stamped in the transaction
Specify the following fields:
Reject Reference Number
This field gets auto-populated with the Reject Reference Number when you click on New.
Reject Date
This field gets auto-populated with the Reject Date when you click on New. The system displays the current date by default.
Reject Status
Specify the Reject Status.
Reject Transaction Type
Select the type of transaction. The options are Reject, Return and Refund.
Original Transaction Reference
Specify the Original Transaction Reference from the list of values.
Transaction Branch
Specify the Transaction Branch.
Host Code
This field gets auto-populated with the host code of the specified branch code when you click on New.
Network Code
This field gets auto-populated with the host code of the specified branch code when you click on New.
End to End ID
Specify the end to end transaction identification.
Original Transaction ID
Original Transaction ID is matched with original recall reference.
Return Details
Reject Code
Specify the bank code of the Debtor bank.
Reject Reason
Specify the reason for Reject.
Additional Info
Specify the any additional information.
Originator Bank
Specify the Originator Bank from the list of values.
Originator Name
Specify the name of the Originator.
Note
If the originator name is provided, the transaction is considered as a request of refund by the customer of an incoming Direct Debit and validation will be done based on Refund Days maintained in Direct Debit Network Preferences for ‘Incoming’ transaction type.Original Transaction Details
Transfer Currency
Specify the Transfer Currency.
Transfer Amount
Specify the Transfer Amount.
Creditor IBAN
Specify the Creditor IBAN.
Debtor IBAN
Specify the Debtor IBAN.
Creditor Name
Specify the name of Creditor.
On Us Transfer
Specify the On Us Transfer details.
Creditor Bank BIC
Specify the Bank BIC of the Creditor bank.
Debtor Bank BIC
Specify the BIC of the Debtor bank.
Network Reject Details
Reject Reference
The system displays the Reject Reference details.
Reject Received Date
The system displays the date on which the network reject was received.
Reject Code
The system displays the network reject code.
Reject Reason
The system displays the reason for Network Reject.
Original Message Reference
Specify the Original Message Reference.
Message Date
Specify the Message Date
File Reference Number
The system displays the File Reference Number.
An outgoing Direct Debit transaction can be returned by the debtor bank, after settlement. The debtor bank will send a pacs.004 message for the same. On uploading this message following activities will be triggered by the system:
The reject transaction details can be queried from Direct Debit Outgoing Reject – PCDONRJT.
In case of any issues in pacs.004 file upload, you can also initiate the return request from this screen. Choose Reject Transaction Type as Return.
For more information on the fields, refer section 2.3.2.
An incoming Direct Debit transaction can be requested for refund by the debtor bank, post its settlement. The debtor bank will initiate the same based on the debtor customer’s request or due to debtor bank’s internal reasons.
Refund is initiated on or after the value date of the incoming collection transaction. Thus the transaction will liquidated by then.
Direct Debit Incoming Return screen (PCDINRTN) is used to book Refund request of Incoming Collection
Select the original transaction reference number, via LOV, which needs to be returned. Fill the reject code, reject reason details. On save & authorize of this return action the following will be triggered:
Note
Refund action is allowed only after the return days & on or before refund days stamped in the transaction.
For more information on the fields, refer section 2.3.3.
An outgoing Direct Debit transaction can be requested for refund by the debtor bank, after settlement. The debtor bank will send a pacs.004 message for the same. On uploading this message following activities will be triggered by the system:
The refund transaction details can be queried from Direct Debit Outgoing Reject – PCDONRJT
In case of any issues in pacs.004 file upload, you can also initiate the refund request from this screen. Choose Reject Transaction Type as Refund.
For more information on the fields, refer section 2.3.2
An outgoing Direct Debit transaction can be recalled or cancelled by the creditor bank, before settlement.
Direct Debit Outgoing Recall (PCDOURCL) screen is used to recall / cancel.
Select the outgoing transaction to be recalled or cancelled in the Original Transaction Reference LOV. Fill the Recall reject code, reason & additional info. On save & authorization the following activities will be triggered by system:
Note
Recall or Cancellation can be done, only before the settlement date
Specify the following fields:
Recall Reference Number
This field gets auto-populated with the Recall Reference Number when you click on New.
Recall Date
This field gets auto-populated with the Recall Date when you click on New. The system displays the current date by default.
Recall Status
Specify the Recall Status.
Original Transaction Reference
Specify the Original Transaction Reference from the list of values.
Transaction Branch
Specify the Transaction Branch.
Host Code
This field gets auto-populated with the host code of the specified branch code when you click on New.
Network Code
This field gets auto-populated with the host code of the specified branch code when you click on New.
End to End ID
Specify the end to end transaction identification.
Recall Details
Recall Reject Code
Specify the bank code of the Debtor bank.
Recall Reason
Specify the reason for Recall.
Additional Info
Specify the any additional information.
Originator Bank
Specify the Originator Bank from the list of values.
Originator Name
Specify the name of the Originator.
Original Transaction Details
Transfer Currency
Specify the Transfer Currency.
Transfer Amount
Specify the Transfer Amount.
Creditor IBAN
Specify the Creditor IBAN.
Debtor IBAN
Specify the Debtor IBAN.
Creditor Name
Specify the name of Creditor.
On Us Transfer
Specify the On Us Transfer details.
Creditor Bank BIC
Specify the Bank BIC of the Creditor bank.
Debtor Bank BIC
Specify the BIC of the Debtor bank.
Network Reject Details
Reject Reference
The system displays the Reject Reference details.
Reject Received Date
The system displays the date on which the network reject was received.
Reject Code
The system displays the network reject code.
Reject Reason
The system displays the reason for Network Reject.
Original Message Reference
Specify the Original Message Reference.
Message Date
Specify the Message Date
File Reference Number
The system displays the File Reference Number.
An incoming Direct Debit transaction can be recalled or cancelled by the creditor bank, before settlement. The creditor bank will send a camt.056 message for the same. On uploading this message following activities will be triggered by the system:
The recall transaction details can be queried from Direct Debit Incoming Recall screen – PCDINRCL.
In case of any issues in camt.056 file upload, you can also initiate the recall request from this screen.
Recall Reference Number
This field gets auto-populated with the Recall Reference Number when you click on New.
Recall Date
This field gets auto-populated with the Recall Date when you click on New. The system displays the current date by default.
Recall Status
Specify the Recall Status.
Original Transaction Reference
Specify the Original Transaction Reference from the list of values.
Transaction Branch
Specify the Transaction Branch.
Host Code
This field gets auto-populated with the host code of the specified branch code when you click on New.
Network Code
This field gets auto-populated with the host code of the specified branch code when you click on New.
End to End ID
Specify the end to end transaction identification.
Recall Details
Recall Reject Code
Specify the bank code of the Debtor bank.
Recall Reason
Specify the reason for Recall.
Additional Info
Specify the any additional information.
Originator Bank
Specify the Originator Bank from the list of values.
Originator Name
Specify the name of the Originator.
Original Transaction Details
Transfer Currency
Specify the Transfer Currency.
Transfer Amount
Specify the Transfer Amount.
Creditor IBAN
Specify the Creditor IBAN.
Debtor IBAN
Specify the Debtor IBAN.
Creditor Name
Specify the name of Creditor.
On Us Transfer
Specify the On Us Transfer details.
Creditor Bank BIC
Specify the Bank BIC of the Creditor bank.
Debtor Bank BIC
Specify the BIC of the Debtor bank.
Network Reject Details
Reject Reference
The system displays the Reject Reference details.
Reject Received Date
The system displays the date on which the network reject was received.
Reject Code
The system displays the network reject code.
Reject Reason
The system displays the reason for Network Reject.
Original Message Reference
Specify the Original Message Reference.
Message Date
Specify the Message Date
File Reference Number
The system displays the File Reference Number.
An outgoing Direct Debit transaction can be reversed by the creditor bank, after settlement.
Direct Debit Outgoing Reverse (PCDOUREV) screen is used to reverse.
Select the outgoing transaction to be reversed in the Original Transaction Reference LOV. Fill the Reverse code, reason & additional info. On save & authorization the following activities will be triggered by system:
Note
Reversal can be done, only after the settlement date.
Specify the following fields:
Reverse Reference Number
This field gets auto-populated with the Reverse Reference Number when you click on New.
Reverse Date
This field gets auto-populated with the Reverse Date when you click on New. The system displays the current date by default.
Reverse Status
Specify the Reverse Status.
Original Transaction Reference
Specify the Original Transaction Reference from the list of values.
Transaction Branch
Specify the Transaction Branch.
Host Code
This field gets auto-populated with the host code of the specified branch code when you click on New.
Network Code
This field gets auto-populated with the host code of the specified branch code when you click on New.
End to End ID
Specify the end to end transaction identification.
Reverse Details
Reverse Code
Specify the bank code of the Debtor bank.
Reverse Reason
Specify the reason for Reverse.
Additional Info
Specify the any additional information.
Originator Bank
Specify the Originator Bank from the list of values.
Originator Name
Specify the name of the Originator.
Original Transaction Details
Transfer Currency
Specify the Transfer Currency.
Transfer Amount
Specify the Transfer Amount.
Creditor IBAN
Specify the Creditor IBAN.
Debtor IBAN
Specify the Debtor IBAN.
Creditor Name
Specify the name of Creditor.
On Us Transfer
Specify the On Us Transfer details.
Creditor Bank BIC
Specify the Bank BIC of the Creditor bank.
Debtor Bank BIC
Specify the BIC of the Debtor bank.
Network Reject Details
Reject Reference
The system displays the Reject Reference details.
Reject Received Date
The system displays the date on which the network reject was received.
Reject Code
The system displays the network reject code.
Reject Reason
The system displays the reason for Network Reject.
Original Message Reference
Specify the Original Message Reference.
Message Date
Specify the Message Date
File Reference Number
The system displays the File Reference Number.
An incoming Direct Debit transaction can be reversed by the creditor bank, after settlement. The creditor bank will send a pacs.007 message for the same. On uploading this message following activities will be triggered by the system:
The reversal transaction details can be queried from Direct Debit Incoming Reverse screen – PCDINREV.
In case of any issues in pacs.007 file upload, you can also initiate the reversal request from this screen.
Specify the following fields:
Reverse Reference Number
This field gets auto-populated with the Reverse Reference Number when you click on New.
Reverse Date
This field gets auto-populated with the Reverse Date when you click on New. The system displays the current date by default.
Reverse Status
Specify the Reverse Status.
Original Transaction Reference
Specify the Original Transaction Reference from the list of values.
Transaction Branch
Specify the Transaction Branch.
Host Code
This field gets auto-populated with the host code of the specified branch code when you click on New.
Network Code
This field gets auto-populated with the host code of the specified branch code when you click on New.
End to End ID
Specify the end to end transaction identification.
Reverse Details
Reverse Code
Specify the bank code of the Debtor bank.
Reverse Reason
Specify the reason for Reverse.
Additional Info
Specify the any additional information.
Originator Bank
Specify the Originator Bank from the list of values.
Originator Name
Specify the name of the Originator.
Original Transaction Details
Transfer Currency
Specify the Transfer Currency.
Transfer Amount
Specify the Transfer Amount.
Creditor IBAN
Specify the Creditor IBAN.
Debtor IBAN
Specify the Debtor IBAN.
Creditor Name
Specify the name of Creditor.
On Us Transfer
Specify the On Us Transfer details.
Creditor Bank BIC
Specify the Bank BIC of the Creditor bank.
Debtor Bank BIC
Specify the BIC of the Debtor bank.
Network Reject Details
Reject Reference
The system displays the Reject Reference details.
Reject Received Date
The system displays the date on which the network reject was received.
Reject Code
The system displays the network reject code.
Reject Reason
The system displays the reason for Network Reject.
Original Message Reference
Specify the Original Message Reference.
Message Date
Specify the Message Date
File Reference Number
The system displays the File Reference Number.
If return account currency is same as the currency of original debit account, reversals will happen with the original exchange rate. If the currency of the return account is same as transfer currency no conversion is required while posting the accounting entries for the return.
Dispatch file generated for the first cycle on the dispatch date will include these R-transactions.