1.1.3.1 TIPS Directory

The TIPS Directory is generated as a fixed-length record flat file, encapsulated within an XML envelope.

TIPS directory file can be uploaded in FULL or DELTA version.

When FULL version is uploaded, the existing directory is fully refreshed with the file uploaded.

When DELTA version is uploaded, only changes with respect to the previous version of the TIPS Directory are updated.

Refer to the SEPA Instant Credit Transfer User Guide for more information on the payments processing.