local payments in denmark - handelsbanken · this guide contains a description for local payments...

Implementation guide

Local payments in Denmark

The supplier payment format (DBF)

Version 1.2.0

Publishing date 16 January 2018


The DBF format - local payments (12) Version 1.2.0 Publishing date 16 January 2018

Table of contents

1 INTRODUCTION ...................................................................................................................................... 3

1.1 Related documents .......................................................................................................................................... 3 1.2 History .............................................................................................................................................................. 3

2 INFORMATION ABOUT THE SERVICE ................................................................................................. 4

2.1 Restrictions to the service ................................................................................................................................ 4 2.2 Parties .............................................................................................................................................................. 4 2.3 Agreement ........................................................................................................................................................ 4

3 EXAMPLE SCENARIO: LOCAL PAYMENT ........................................................................................... 5

4 FORMAT OVERVIEW .............................................................................................................................. 6

4.1 Business rules .................................................................................................................................................. 6 4.2 Format structure ............................................................................................................................................... 6 4.3 Payment types ................................................................................................................................................. 6

4.3.1 STANDARD PAYMENT................................................................................................................................................. 6 4.3.2 GIRO-/FIK PAYMENT FORM ........................................................................................................................................ 6

5 IMPLEMENTATION GUIDELINE ............................................................................................................ 7

5.1 Data format rules .............................................................................................................................................. 7 5.1.1 STATUS ........................................................................................................................................................................ 7

5.2 Content ............................................................................................................................................................. 7 5.3 Field description ............................................................................................................................................... 7 5.4 Business example .......................................................................................................................................... 11

5.4.1 BUSINESS EXAMPLE: STANDARD PAYMENT ......................................................................................................... 11 5.4.2 BUSINESS EXAMPLE: FI CREDITOR PAYMENT ...................................................................................................... 11

5.5 File example ................................................................................................................................................... 12 5.5.1 FILE EXAMPLE: STANDARD PAYMENT .................................................................................................................... 12 5.5.2 FILE EXAMPLE: FI CREDITOR PAYMENT................................................................................................................. 12



1 Introduction

Handelsbanken’s implementation guide for the Danish format for local payments in Denmark, describes in

detail the information to be included and how it is to be specified when initiating local Danish payments

from an account with Handelsbanken Denmark. In this guide the format is abbreviated to DBF (Danske

Banks Format).

The description is specific to Handelsbanken’s services and routines and may be used only when

communicating with Handelsbanken.

1.1 Related documents

This message implementation guide is based on the Danish format “Business Online local Danish

payments” as defined and published by Danske Bank.

Local Danish Payments - Business Online format, English

1.2 History

At Handelsbanken, changes to version numbers are made according to the following guidelines. The

original version is 1.0.0.

The last digit is changed when the format descriptions are changed, for example text clarifications

and examples.

The second digit is changed if minor changes are made to the format such as new countries or

changes in the payment type.

The first digit is changed (thus becoming a completely new version) if the format changes mean

that the customer will have to make adaptations in order to continue using the service. In this case,

all customers affected are informed of the new version and what the changes involve

Version Date Description

1.2.0 2018-01-16 Review of the file format. Old functionality not supported by local clearing removed.

1.1.3 2017-09-15 IBAN can be used as beneficiary account for bank transfers

1.1.2 2016-12-16 Minor updates

1.1.1 published 2013-07-10 Clarification which account number to be used.

1.1.0 published 2013-01-04 Update due to changes in field description, field No. 6. Use of EUR as a currency is no longer possible to an account in another bank.

1.0.0 published 2009-01-15



2 Information about the service

This guide contains a description for local payments in Denmark in DKK. When communicating with a

DBF file you are able to request local payments from an account held at Handelsbanken Denmark to an

account held at a Danish bank. The service also offers the possibility of requesting GIRO payments and FIK

payments with an OCR reference and/or message to the beneficiary.

2.1 Restrictions to the service

Please note it is no longer possible to request salary payments in this file format.

2.2 Parties

Name of party Description

Customer Customer or its software provider

Bank Handelsbanken

2.3 Agreement

A customer must be connected to Handelsbanken’s Electronic Banking service GlobalOn-Line and must

have the authority to send files to the bank. Please see separate agreement/Power of Attorney for further

details.

Furthermore, a test file must be submitted by the Customer. When the test file has been approved by the

bank, the Customer can send files to the bank containing payment orders to be executed.

For further information, please contact your local branch at Handelsbanken.



3 Example scenario: Local payment

Description: This example scenario illustrates the process when a customer requests a local payment from

an account in Handelsbanken Denmark through Handelsbanken GlobalOn-Line.

1) The Customer uploads the file with payment orders via GlobalOn-Line

2) The Bank receives the payment file and validates the file format and the content of the file

3) The Bank accepts or rejects the file and the payment orders. A payment status report can be sent with

information about rejected payment orders, if applicable.

4) The file is authorised by the authorised user/(s) according to the mandate

5) The Bank debits the account/(s) and executes the payment orders on the execution date

6) The status of the payment (for example Rejected, Pending, Executed) is always shown under Search

payment in GlobalOn-Line.

Local payment

BankBank

CustomerCustomer

Local payment

Customer

compiles

information for the

payment

Bank receives

the payment

Bank executes the

payment

Bank accepts or

rejects the

payment

Customer sends

the payment to the

bank

Information about

rejected and pending

payments are

presented via

GlobalOn-Line



4 Format overview

This chapter contains a business oriented description of the DBF local payment format that is approved for

communication with Handelsbanken.

Exceptions at field level for Handelsbanken’s implementation of the Supplier payment are explicitly

specified in the “Comment” column in chapter 5. In communication with Handelsbanken, please pay

attention to the following rules:

4.1 Business rules

[1] For payments with due dates on a Saturday, Sunday or other banking holidays, the payment day will

be moved to the closest following banking day.

[2] The payment date can be stated for a maximum of 12 months ahead.

[3] In the case of a payment date being exceeded by a maximum of 20 days, the payment will be

executed the following banking day. If the payment date is exceeded by more than 20 days the

payment will be rejected.

[4] Salary payments are not available in this file format

4.2 Format structure

The DBF file format consists of one record with information necessary to create a local payment from

account held at Handelsbanken Denmark.

Local Payment Payment1..n

4.3 Payment types

Accepted payments types for the DBF format for local payments in DKK are Standard payments

(Banköverförsel), GIRO payments and FIK payments.

4.3.1 STANDARD PAYMENT

A standard payment is a payment to an account in Denmark. A local Danish account number is stated with

11 or 14 digits consisting of a clearing number (4 digits) and an account number (7 or 10 digits). It is also

possible to state the beneficiary account in the IBAN format (18 characters).

4.3.2 GIRO-/FIK PAYMENT FORM

In order to request Giro payments or FIK payments (FI form type), the beneficiary account must be stated

with “IK” at the beginning, followed by 7-8 digits. Depending on the form type code on the payment form,

the required information (OCR and/or message to the beneficiary) will differ.



5 Implementation guideline

This chapter covers the technical rules and guidelines for the Handelsbanken application.

5.1 Data format rules

[1] The file must contain one line for each payment. The fields must start and finish with quotation

marks (") and each field must be separated by a comma (,). You must not use quotation marks in the

individual fields.

[2] The fields have no fixed lengths, which means that you do not have to add spaces or zeros in front

or behind the content in a field. In the field description, the maximum length is described for the

information to be stated in each field.

[3] Mandatory fields must always be filled in. An empty field is to be indicated with two quotation

marks (""). When there are no more required fields in a payment, you can omit the remainder of the

fields.

[4] Decimal character for amount fields is always decimal comma (,) and two decimals are stated.

[5] Date is entered in the format DDMMYYYY.

5.1.1 STATUS

M= Mandatory

C=Conditional

O= Optional

N= Not used

A= Accepted but not acted upon

If fields are marked with “Accepted but not acted upon” values in these fields will be ignored by

Handelsbanken. If values are filled in in fields marked with “Not used” the payment file and/or the payment

orders may be rejected. Please note that some fields that are mandatory in the Handelsbanken application

are optional in the original file format description, Business Online as defined by Danske Bank.

5.2 Content

This section contains the format description with the exceptions and additions required by Handelsbanken

to ensure proper processing of the payments.

5.3 Field description

The DBF format contains one record containing necessary information to create a local payment from

Handelsbanken Denmark.

Field No.

Field name No. of char.

Format Field Status

Description Comment

1 Command 8 Alpha- num

M Command for creating domestic payment: CMBO

2 From account 11, 14 or 18

Alpha- num

M Example BBAN: 08901234567 or 08900001234567

Example IBAN: DK3608900001234567

Must be an account held at Handelsbanken Denmark

IBAN 18 characters or

BBAN 11 or 14 digits (clearing number 4 digits + account number 7 or 10 digits)



Field No.


Format Field Status

Description Comment

3 To account Max 18

Alpha- num

M Standard payment Beneficiary account number can be either in BBAN format (11 or 14 digits) or in IBAN format (18 characters). Example BBAN: 08901234567 or 08900001234567 Example IBAN: DK3608900001234567

Payment form, Beneficiary account is stated as GIRO number or FI creditor number, indicated with ‘IK’ in the beginning: IK+7 or 8 digits with form types 01, 04, 15, 71, 73 or 75 Example: IK1234567

4 Amount 15 Num M Max. 2 decimals.

(length of field incl. decimal comma)

5 Date 8 Num M Payment date (day of payment/debit) in format: DDMMYYYY.

6 Currency 3 Alpha-num

O ISO currency code, only DKK is allowed for local payments.

If the field is left blank (“”) DKK will be used as payment currency

Always DKK

7 Clearing channel

1 Alpha-num

N Field is not used. Specify as blank (""). Separate with comma.

Will be used in the future

8-15 Not used N Fields are not used. Specify as blank (""). Separate with comma.

16 Name-1 35 Alpha- num

M First line in beneficiary's name and address

Name-1 is mandatory


O Second line in beneficiary's name and address


O Third line in beneficiary's name and address


O Fourth line in beneficiary's name and address

20 Text to sender

20 Alpha- num

A Text to appear on account statement of the sender

Accepted but not acted upon

21 Not used N Field is not used. Specify as blank (""). Separate with comma.

22 Text to beneficiary

20 Alpha- num

A Text to appear on account statement of the beneficiary




Field No.


Format Field Status

Description Comment

23 Form type 2 Num C Form type code:

01 and 73 Message to the beneficiary is mandatory in fields 27-54 (maximum 4 lines x 35 characters)

04, 15 and 71 Payment ID (OCR no) is mandatory in field 24 Message to beneficiary is not used

75 Payment ID (OCR no) is mandatory in field 24 Message to beneficiary in fields 27-54 is optional (maximum 4 lines x 35 characters)

Used only for FI creditor payments and GIRO payments

24 Payment ID 25 Num C Payment identification on GIRO/FIK payment form (OCR reference in the coded line, leading zeros are not filled in):

Giro payment forms: 01: no payment ID 04: 16 digits 15: 16 digits

FIK payment forms 71: 15 digits 73: no payment ID 75: 16 digits

Used only for FI creditor payments and GIRO payments

25 Debtor ID 35 Alpha- num

A Sender identification e.g. customer number by beneficiary.


26 Not used 35 Alpha- num

N Field is not used. Specify as blank (""). Separate with comma

27-67 Message to beneficiary

41*35 Alpha- num

M/O Message to beneficiary:

Standard payment Message to beneficiary is optional, max 8x35 characters

GIRO: For 01 message to beneficiary is mandatory, max 4x35 characters

FIK For 73 message to the beneficiary is mandatory, max 4x35 characters For 75 message to beneficiary is optional, max 4x35 characters

68-70 On behalf of 3*35 Alpha- num

A Optional name and address of the company requesting the payment.




Field No.


Format Field Status

Description Comment

71 Postal code 4 Num A Optional name and address of the company requesting the payment. Must only contain a postal code.


72 City 28 Num A Optional name and address of the company requesting the payment. Must only contain the name of the city


73-84 Not used N



5.4 Business example

In this section, two business examples of supplier payments in DBF file format for local payments are

presented. The examples illustrate payment orders expressed from a functional point of view. The

corresponding file examples are presented below.

5.4.1 BUSINESS EXAMPLE: STANDARD PAYMENT

This is an example of a basic standard payment.

Field name Value Comment

Command CMBO Command for requesting local payments

From account 08901234567

To account 4827131784

Amount 101,74

Date 08052017

Currency DKK

Name-1 Bengt Olsson

Text to sender F12345

Text to beneficiary Invoice 12345

Message to beneficiary Customer no 456, invoice no 12455

5.4.2 BUSINESS EXAMPLE: FI CREDITOR PAYMENT

This is an example of a basic account payment.

Field name Value Comment

Command CMBO Command for requesting local payments

From account 08901234567

To account IK80001037

Amount 106,71

Date 08052017

Currency DKK

Name-1 Bengt Olsson

Text to sender F12345

Form type 71

Payment ID 056156160426048



5.5 File example

The file examples shown below correspond to the business examples presented above.

5.5.1 FILE EXAMPLE: STANDARD PAYMENT

"CMBO","08901234567","4827131784","101,74","08052017","DKK","","","","","","","

","","","Bengt Olsson","","","","F12345","","Invoice 12345","","","","",

"Customer no 456 invoice no 12455,

5.5.2 FILE EXAMPLE: FI CREDITOR PAYMENT

"CMBO","08901234567","IK80001037","106,71","08052017","DKK","","","","","","","

","","","Bengt Olsson","","","","F12345","","","71","056156160426048","","","",

"","","","","","","","","","","","","","","","","","","","","","","","","","",

"","","","","","","","","","","","","","","","","","","",

local payments in denmark - handelsbanken · this guide contains a description for local payments...

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