2.3.15 Debtor Address Defaulting

An enhancement has been introduced to apply the PAINFILE_CUST_DEFAULT parameter to outgoing pacs.008 messages.

• WhenPAINFILE_CUST_DEFAULT = N, any structured or unstructured Debtor Address provided in the incoming request is passed through to the outgoing pacs.008 without transformation.
• WhenPAINFILE_CUST_DEFAULT = Y, the Debtor Address is defaulted from existing customer or account details, using the POPULATE_CIF_DET (Y/N) setting from STDCIFCR / STDCRACC, and the incoming address values are ignored.

During address defaulting, the network-permitted address format (structured vs. unstructured) isobserved, according to the priority defined in Network Address Preferences (PMDNWADD), in line with hybrid address requirements.

Scope: Applies to SWIFT CBPRPlus, RTGS ISO Outgoing pacs.008 transactions booked via Single Payout Service and MT101 channel types.