Swiss ISO 20022 Harmonization for Software Vendors Credit Suisse Best Practice Guide

 
Swiss ISO 20022 Harmonization for Software Vendors Credit Suisse Best Practice Guide
Swiss ISO 20022 Harmonization
for Software Vendors
Credit Suisse Best Practice Guide

CREDIT SUISSE (Switzerland) Ltd.
Software Partner Management
September 2018

Public
Swiss ISO 20022 Harmonization for Software Vendors Credit Suisse Best Practice Guide
Introduction
Top 6 General Swiss Payment Standards ISO 20022 Issues
                                                        The QR-bill will replace ISR/IS due to money laundering regulations. Only native ISO
                                                        20022 can transfer the required data easily, restraining “DTA to pain.001” converters.
There’s no way around ISO 20022...
                                                        Also, QR-bill debit notes will only be available in ISO 20022.
                                                        All other payment types are also being switched to ISO 20022.

                                                        V11 and LSV have intermediate ISO 20022 formats which can be avoided with many
... but don’t feel forced to use intermediate formats   financial institutions.
                                                           See page 8 for details.

                                                        Financial institutions will increase matching of creditor master data.
Master data is as important as formats,                 This data will increasingly be transmitted in a structured form.
it must be up to date and structured                    Therefore your software must be able to provide this data in a structured way.
                                                          See page 30 for details.

                                                        ISO 20022 provides electronic and paper advice steering per payment order.
                                                        Offer this option to your clients, particularly to avoid wrong reporting for salary payments.
Advice steering is more than nice to have
                                                        Implement all 5 combinations with Swiss Business Rules terminology.
                                                          See pages 20-22 for details.

                                                        Don’t use AOS as standard for all financial institutions.
Keep to the standard
                                                         See next page for major format traps.

ISO 20022 is a new complex standard to all market
                                                        Test with all financial institutions important to you.
participants, interpretation mismatches can cause
                                                          See pages 60-77 for Credit Suisse details.
problems

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Swiss ISO 20022 Harmonization for Software Vendors Credit Suisse Best Practice Guide
Introduction
Top 5 Format Traps
Issue                                Reference                            Comment

                                                                          Credit Suisse and other banks do not provide this AOS* for collective booking.
                                     Swiss Business Rules
Don’t allow several currencies                                            This AOS will be discontinued in November 2018 anyway. In addition,
                                     Version 2.6.2
per B-Level                                                               Credit Suisse recommends one currency per B-Level for single booking.
                                     Chapter 4.3.1
                                                                            See page 38 for details

SALA is not sufficient for           Swiss Business Rules                 SALA has no effect on the type of processing and advices.
salary payments,                     Version 2.6.2                        Advice steering has to be implemented instead.
implement advice steering            Chapter 4.11 and 4.7                  See pages 20-22 for details.

                                                                          Instruction Priority (HIGH), Service Level (SEPA),
Don’t allow                          Swiss Business Rules
                                                                          Local Instrument (e.g. CH01) and Category Purpose (SALA)
Payment Type Information             Version 2.6.2
                                                                          have to be in the same level (B or C).
on several levels                    Chapter 4.5.2.2
                                                                            See page 37 for details.

                                                                          In pain.001, the B-Level controls the booking method, the C-Level controls the
Avoid payments grouping              Swiss Business Rules
                                                                          transactions (payments). If you choose the grouping version «separate», every
version «separate»,                  Version 2.6.2
                                                                          transaction (C-Level) will be in one B-Level. In practice, this makes collective
use «mixed» instead                  Chapter 4.2
                                                                          bookings impossible. Use «mixed» instead.

                                     Swiss Implementation Guidelines
                                                                          Local Instruments CH01, CH02 and CH03 mark Swiss inpayment slips. CH03
                                     for pain.001
CH03 is not payment type 3                                                is for payment type 2.2, not 3.
                                     Version 1.7.2
                                                                             See pages 28 and 31 for details.
                                     Chapter 2.2.1
                                                                         * Additional Optional Service

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Swiss ISO 20022 Harmonization for Software Vendors Credit Suisse Best Practice Guide
Agenda

Framework                                                              Page 5

Formats                                                               Page 11

Use Cases                                                             Page 23

Test Procedure                                                        Page 59

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Swiss ISO 20022 Harmonization for Software Vendors Credit Suisse Best Practice Guide
Agenda

Framework                                                                Page 5

Formats                                                                  Page 11

Use Cases                                                                Page 23

Test Procedure                                                           Page 59

            Best Practice Guide   (content subject to change)   September 2018    5/78
Legend:

Framework: Credit Suisse Client Channel Functionality                                                                                                                              Advantage

                                                                                                                                                                                   Restriction

Overview of Connectivity Portfolio                                                                                                                                                 Neutral attribute

                                              Credit Suisse Direct                                     Direct Link                                        Direct Exchange         SWIFT FileAct

                                              GUI                          DXI
                                              (browser-based)              (Service Interface)

                                              HTTPS                        HTTPS                                                                          SFTP or FTPS            FileAct
Transmission

                  File transfer method                                                                 Intersys                  EBICS
Technology

                  Installation reusability    N/a                          CS clients                  Yes                       Yes                      No, individual          Yes
                                                                                                                                                          configuration

                  Manual/automated            Manual                       Login manual, upload/       Automated
                  log-in & file transfer                                   download automated

                  Content offering            No pain.002,                 No pain.002, no CGI,        No CGI,                   Full range
                                              reduced camt                 no EPC, reduced camt        no camt
Characteristics

                  Additional security         SecureSign                   SecureSign                  No                        Electronic Distributed   No                      No
                                                                                                                                 Signature (EDS/VEU)
Channel

                  Clients                     Corporate and private                                    Corporate
                                              Private

                  Operating systems           Any                          Any                         Microsoft Windows         Any                      Any                     Any
User System
Technology

                  Software                    Internet web browser         Dedicated third-party       Dedicated third-party     Dedicated third-party    Any third-party         Dedicated third-party
                                                                           software vendors            software vendors          software vendors         software vendor         software vendor

                  ISO 20022 impact on         Platform update at Credit Suisse                         New platform at Credit Suisse
                  connectivity
Migration

                  Migration impact            None                         Silent migration.           Silent migration          Attended migration,      Attended migration,     Migrated
                  on client connectivity                                   Additional log-in method.                             changing credentials     changing credentials

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Legend:

Framework: Credit Suisse Client Channel Formats                                                                                                 Available now

                                                                                                                                                Restriction

Overview of Format Portfolio per Channel                                                                                                        Available in the future

 Message         Market          ISO 20022         Credit Suisse Direct                     Direct Link                Direct Exchange        SWIFT FileAct
                 Practice       Test Platform
                                                      GUI               DXI           Intersys        EBICS                       SFTP
pain.001       SPS (SIC)               Yes                    Yes                        Yes            Yes                       Yes                Yes
               EPC                     No             Yes               No               No             Yes                       Yes                Yes
               CGI                     Yes            Yes               No               No             Yes                       Yes                Yes

pain.008       SPS (SIC)               Yes                     No                        Yes            Yes                       Yes                Yes
               EPC                     Yes                     No                        No             Yes                       Yes                Yes

pain.002       SPS (SIC)               Yes                     No                        Yes            Yes                       Yes                Yes
               EPC                     Yes                     No                        No             Yes                       Yes                Yes
               CGI                     Yes                     No                        No             Yes                       Yes                Yes

camt.052       SPS (SIC)             Examples                  No                        No             Yes                       Yes                Yes
               CGI                     No                      No                        No             Yes                       Yes                Yes

camt.053       SPS (SIC)             Examples        Yes, without details*               No             Yes                       Yes                Yes
               CGI                     No            Yes, without details*               No             Yes                       Yes                Yes
camt.054       SPS (SIC)             Examples                 Yes**                      No             Yes                       Yes                Yes
ISR            CGI                     No                      No                        No             Yes                       Yes                Yes

camt.054       SPS (SIC)             Examples                  No                        No              ***                       ***                 ***
Debit/Credit   CGI                     No                      No                        No              ***                       ***                 ***

                                                * activation of full camt.053 details via Electronic Banking Desk 0800 88 11 88
                                                ** only corporate clients
                                                *** no go-live date, yet

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Legend:

Framework: Credit Suisse Client Format Strategy                                                                                     Phase-out format

                                                                                                                                    Target format

Overview of ISO 20022 Format Portfolio                                                                                              Obsolete format**

Message Type                         Old Format      Intermediate Format                            New Format  Target

                                     DTA                                                           pain.001
Credit Transfer
                                     MT101

Direct Debit                         LSV             pain.008 CH-TA*                               Unknown yet, stay currently with LSV

                                     MT940/MT942

                                                                                                    camt.053/camt.052

Reporting                            ISR V11         camt.054 ISR                                  Stay with V11 until ISR is discontinued

                                                                                                    camt.054 QR             (no go-live date, yet)

                                                                                                    camt.054 Debit/Credit (no go-live date, yet)
                                                   * not offered by Credit Suisse
                                                   ** other financial institutions may require these intermediate formats
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Framework: Migration Timetable (1/2)
Credit Suisse Formats and Connectivity
                                                                        2018               2019                2020                   2021             2022

                                                                                 2Q
                                                                        1Q
                                                                        2Q
                                                                                 3Q
                                                                                 4Q
                                                                                 1Q

                                                                                 3Q
                                                                                                          4Q
                                                                                                          1Q
                                                                                                          2Q
                                                                                                          3Q
                                                                                                          4Q
                                                                                                                                      1Q
                                                                                                                                      2Q
                                                                                                                                      3Q
                                                                                                                                                   4Q
                                                                                                                                                   1Q
                                                                                                                                                   2Q
                                                                                                                                                   3Q
                                                                                                                                                   4Q
Credit Transfer
                                                                                                      Direct Link / Direct Exchange
pain.001 SPS (SIC)
                                                                                                      Credit Suisse Direct

pain.001 EPC/CGI                                                                                      Direct Link / Direct Exchange

                                                                                                      Credit Suisse Direct (only GUI, not DXI)

pain.002 SPS (SIC)/EPC/CGI                                                                            Direct Link / Direct Exchange

DTA & DTA Protocol                               Direct Link / Direct Exchange

                                                 Credit Suisse Direct

Direct Debit

pain.008 & pain.002 SDD SPS (SIC)/EPC                                                                 Direct Link / Direct Exchange

LSV / LSV Protocol (HTML/XML)                                             Direct Link / Direct Exchange

                                                                          Credit Suisse Direct

pain.002 for LSV                                                                           Direct Link* / Direct Exchange

   Format discontinued by Swiss financial marketplace                                                     New formats                            * EBICS only
   Format expected to be discontinued by Swiss financial marketplace                                      Old formats

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Framework: Migration Timetable (2/2)
Credit Suisse Formats and Connectivity
                                        2018                2019                2020                  2021              2022

                                                  2Q
                                        1Q
                                        2Q
                                                  3Q
                                                  4Q
                                                  1Q

                                                  3Q
                                                                           4Q
                                                                           1Q
                                                                           2Q
                                                                           3Q
                                                                           4Q
                                                                                                      1Q
                                                                                                      2Q
                                                                                                      3Q
                                                                                                                   4Q
                                                                                                                   1Q
                                                                                                                   2Q
                                                                                                                   3Q
                                                                                                                   4Q
Reports
camt.052 SPS (SIC)/CGI                                                             Direct Link / Direct Exchange

MT942                                                                 Direct Link / Direct Exchange

camt.053 SPS (SIC)/CGI                                                             Direct Link / Direct Exchange

                                                                                   Credit Suisse Direct

MT940                                                                 Direct Link / Direct Exchange

                                                                     Credit Suisse Direct

camt.054 Debit/Credit SPS (SIC)/CGI           No go-live date, yet

camt.054 ISR SPS (SIC)                                  Direct Link / Direct Exchange

                                                        Credit Suisse Direct

camt.054 ISR CGI                                        Direct Link / Direct Exchange

                                                                                                           Direct Link / Direct Exchange
camt.054 QR SPS (SIC)
                                                                                                          Credit Suisse Direct

camt.054 QR CGI                                                                                            Direct Link / Direct Exchange

                                           Direct Link / Direct Exchange
V11
                                           Credit Suisse Direct

              Best Practice Guide     (content subject to change)                                                           September 2018   10/78
Agenda

Framework                                                                 Page 5

Formats                                                                 Page 11

Use Cases                                                                Page 23

Test Procedure                                                           Page 59

            Best Practice Guide   (content subject to change)   September 2018   11/78
pain.001        pain.008                 pain.002
                                                                                                                     camt.054        camt.053                 camt.052

Formats: Credit Transfer                                                                                                        CS ISO offering
                                                                                                                                CS ISO offering recommendation

pain.001 Credit Transfer Initiation                                                                                             CS ISO offering alternative
                                                                                                                                CS Non-ISO alternative
                                                                                                                                Please consider this
                                                                                                                                CS legacy offering

Version                  pain.001.001.03            (SPS/SIC: pain.001.001.03.ch.02)

Market practices         Name            Market                                         Scheme              Payments
                         SPS (SIC)       Switzerland                                    1.7.2 SPS**         All (domestic e.g. ESR & x-border e.g. SEPA)
                         EPC             Euro Currency                                  7.0 EPC             SEPA
                         CGI (CH)        World with Swiss specialties (e.g. ISR)        14.10.2010          All (domestic e.g. ESR & x-border e.g. SEPA)

Channels                 Direct Link EBICS        Direct Link Intersys only SIC      Direct Exchange    Direct GUI  DXI only SIC          SWIFT FileAct 

Best practice                Use market practice SPS (SIC) as it covers all Swiss payments and all CS channels

Alternative practice     Clients can use Swiss CGI if you already use CGI in other countries

Alternative formats      MT101 for single payments (SWIFT FIN or Fides)

Caution                        camt control can be done in pain.001, details see page 20-22 (some banks ignore this camt control)
                               SALA flag in pain.001 without effect, details see page 35/36 (some banks still use the SALA flag as an AOS)
                               Master data should be sent in a structured way, details see page 38

Timing
Timing                                2017                    2018                           2019                  2020                                2021
                         DTA
                         *                   pain.001
                        * Possible data reduction due to data conversion

                        ** Scheme 1.8 planned 4Q18
                Best Practice Guide                                  (content subject to change)                                      September 2018               12/78
pain.001          pain.008                 pain.002
                                                                                                                   camt.054          camt.053                 camt.052

Formats: Direct Debit                                                                                                           CS ISO offering
                                                                                                                                CS ISO offering recommendation

pain.008 Direct Debit                                                                                                           CS ISO offering alternative
                                                                                                                                CS Non-ISO alternative
                                                                                                                                Please consider this
                                                                                                                                CS legacy offering

Version                  pain.008.001.02          (SIC: pain.008.001.02.chsdd.02)

Market practices         Name            Market                                       Scheme              Payments
                         SPS (SIC)       Euro Currency                                2.3 SPS             SEPA (Core & B2B)
                         EPC             Euro Currency                                2017 V1.0 EPC       SEPA (Core & B2B)
                         CHLS            Switzerland                                  Upcoming            Former LSV+ and BDD

Channels                 Direct Link EBICS      Direct Link Intersys only SIC      Direct Exchange    Direct GUI/DXI       SWIFT FileAct 

Best practice             Use SPS (SIC) for SEPA Direct Debit (SDD). Use LSV until its future use and timeline is defined.

Alternative practice     None, pain.008 CH-TA not part of the Credit Suisse offering

Alternative formats      None, eBill planned to have the same format as Direct Debit

Caution                      No official recommendation on whether to use SPS (SIC) or EPC for SDD
                             Final future standard LSV yet to be defined

Timing                                2017                  2018                           2019                 2020                                   2021
                         LSV
                         pain.008 SDD

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pain.001          pain.008                 pain.002
                                                                                                                       camt.054          camt.053                 camt.052

Formats: Status Report                                                                                                              CS ISO offering
                                                                                                                                    CS ISO offering recommendation

pain.002 Status Report                                                                                                              CS ISO offering alternative
                                                                                                                                    Benefit
                                                                                                                                    Please consider this

Version                   pain.002.001.03           (SIC: pain.002.001.03.ch.02)

Market practices          Name           Market                                        Scheme                Payments
                          SPS (SIC)      Switzerland                                   1.0 SPS               All (domestic e.g. ESR & x-border e.g. SEPA)
                          EPC            Euro Currency                                 7.0 EPC               SEPA
                          CGI (CH)       World with Swiss specialties                  30.11.2009            All (domestic e.g. ESR & x-border e.g. SEPA)

Channels                  Direct Link EBICS       Direct Link Intersys only SIC     Direct Exchange     Direct GUI/DXI         SWIFT FileAct 
                                                                               Credit Suisse Direct no file download but status indication in the GUI

Best practice              Same market practice as the pain.001 or pain.008 triggering the pain.002

Benefit                    pain.002 for all banks instead of different proprietary protocol formats

Caution                       Not available via Credit Suisse Direct (status indication in the GUI only)
                              Partially accepted: only incorrect parts are reported
                              SPS (SIC) includes positive and negative status reports, EPC only includes negative status reports
                              Positive status reports are only transmission confirmations, not execution confirmation

Timing same as the pain.001 or pain.008 triggering the pain.002

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pain.001        pain.008                 pain.002
                                                                                                                       camt.054       camt.053                  camt.052

Formats: Reporting                                                                                                                CS ISO offering
                                                                                                                                  CS ISO offering recommendation

camt.053 Account Statement (End of Day)                                                                                           CS ISO offering alternative
                                                                                                                                  CS Non-ISO alternative
                                                                                                                                  Please consider this
                                                                                                                                  CS legacy offering

Version                  camt.053.001.04 (for SPS/SIC) and camt.053.001.02 (for CGI)

Market practices         Name            Market                Scheme                    Report Types
                         SPS (SIC)       Switzerland           1.5.1 SPS*                Account Statement
                         CGI (CH)        World                 30.11.2009                Account Statement

Periodicity              End of day

Details                      With details (i.e. with collective booking breakdown)
                             Without details (i.e. without collective booking breakdown)

Channels                 Direct Link EBICS       Direct Link Intersys      Direct Exchange       Direct GUI/DXI    SWIFT FileAct 

Best practice               camt.053 SPS (SIC) without details is CS default

Alternative practice     Clients can use Swiss CGI if they already use CGI in other countries

Alternative formats      MT940

Caution                       Some banks may use V2 (camt.053.001.02) for SPS/SIC until switching to V4
                              Oversteering of account default booking by using pain.001 tags

Timing                                2017                    2018                           2019                  2020                                  2021
                         MT940
                         Tests                         camt.053

                        *   Scheme 1.6 planned 4Q18

                Best Practice Guide                                  (content subject to change)                                        September 2018               15/78
pain.001        pain.008                 pain.002
                                                                                                                      camt.054         camt.053                 camt.052

Formats: Reporting                                                                                                                CS ISO offering
                                                                                                                                  CS ISO offering recommendation

camt.052 Account Report (Intraday)                                                                                                CS ISO offering alternative
                                                                                                                                  CS Non-ISO alternative
                                                                                                                                  Please consider this
                                                                                                                                  CS legacy offering

Version                  camt.052.001.04 (for SPS/SIC) and camt.052.001.02 (for CGI)

Market practices         Name            Market               Scheme                    Report Types
                         SPS (SIC)       Switzerland          1.5.1 SPS*                Account Statement
                         CGI (CH)        World                30.11.2009                Account Statement

Periodicity                  Intraday fixed,       hourly or 2-hourly,       from 7 a.m. to 6 p.m.
                             End of day (Balance Report)

Details                      Account Report – Balance Report          Balances
                             Account Report – Movement Report         Balances + Movements         Batch booking no details, single booking with details

Channels                 Direct Link EBICS        Direct Link Intersys       Direct Exchange       Direct GUI/DXI        SWIFT FileAct 

Best practice               camt.052 SPS (SIC) Movement Report 2-hourly is CS default; movements include provisional bookings

Alternative practice     Clients can use Swiss CGI if you already use CGI in other countries

Alternative formats      MT942

Caution                       Some financial institutes may use V2 (camt.052.001.02) for SPS (SIC)

Timing                                2017                   2018                           2019                    2020                                 2021
                         MT942
                         Tests                         camt.052

                        *   Scheme 1.6 planned 4Q18

                Best Practice Guide                                 (content subject to change)                                         September 2018               16/78
pain.001        pain.008                 pain.002

                                                                                                                           camt.054            camt.053                 camt.052

Formats: Reporting                                                                                                                        CS ISO offering
                                                                                                                                          CS ISO offering recommendation

camt.054 Debit/Credit Notification                                                                                                        CS ISO offering alternative
                                                                                                                                          CS Non-ISO alternative
                                                                                                                                          Please consider this
                                                                                                                                          CS legacy offering

Version                  camt.054.001.04 (for SPS/SIC) and camt.054.001.02 (for CGI)

Market practices         Name            Market                Scheme                              Report Types (also see next page)
                         SPS (SIC)       Switzerland           1.5.1 SPS*                          Credit/Debit Notification**
                         CGI (CH)        World                 30.11.2009                          ISR/LSV Credit Notification
                                                                                                   QR Credit Notification**
                                                                                                   External Collective Booking Notification** (for camt.053)

Periodicity                  Intraday fixed,       hourly or 2-hourly,            from 7 a.m. to 6 p.m.
                             Intraday event-based, if booking took place,         from 7 a.m. to 6 p.m.
                             End of day (ISR/LSV)

Details                      According to account default
                             Oversteer account default with pain.001 tags

Channels                 Direct Link EBICS       Direct Link Intersys     Direct Exchange            Direct GUI/DXI only ISR/LSV          SWIFT FileAct 

Best practice               Select the report types and details you need for your desired notification/matching functionality.
                            camt.054 SPS (SIC) Debit/Credit Notification event-based & camt.054 SPS (SIC) ISR/LSV are CS default.

Alternative formats      E-Documents/MT900 Confirmation of Debit and MT910 Confirmation of Credit in SWIFT

Caution                       camt.054 Debit Notification is controlled by pain.001 tags, see page 20-22 for details; not supported by all Swiss banks
                              PostFinance uses additional and different report types

Timing                                2017                   2018                           2019                         2020                                    2021
                         ZED V11 ISR/LSV
                         Tests                         camt.054

                        *   Scheme 1.6 planned 4Q18                                                **   No go-live date, yet

                Best Practice Guide                                 (content subject to change)                                                 September 2018               17/78
pain.001           pain.008             pain.002

                                                                                                                                             camt.054          camt.053             camt.052

Formats: Reporting
camt.05x Subscriptions Related to Bookings
 Date           camt.053              camt.052                       Bookings                                         camt.054                         camt.054               camt.054
                                      e.g. every 2 hrs                                                                Credit/Debit                     ISR/LSV                for camt.053
                                                                                                                      One camt.054 per                 One camt.054 per       One camt.054 per
                                                                                                                      booking except for               collective ISR         collective debit (in com-
July 14                                                                                                               collective credits               or LSV credit          bination with camt.053)
                                                                                                                      No go-live date, yet                                    No go-live date, yet

July 15                                                            Outgoing Payment                                  10    With details.
                                                                                                                           Example page 77:
                                                                   Single Booking CHF 10                                   CAMT054-05.
 2 hours                                                                                                                   With details
                                      30    With amounts.          Incoming Payment                                  20
                                                                                                                           Example page 77:
                                            Examples
                                            page 74.               Single Booking CHF 20                                   CAMT054-07.

 2 hours
                                      0     With amounts.
                                            Examples
                                            page 74.                                                                       Details according to
                                                                                                                     50    pain.001 advice steering.
                                                                                                                           Example page 77:                                        With Details**
                                                                   Outgoing Payments                                       CAMT054-06.                                     50
 2 hours                                                           Collective Booking CHF 50
                                      50    With amounts.
                                            Examples
                                            page 74.
     18:00                                                                                                                                         60 With Details.
                                                                   Incoming ISR Payments                                                                   Example page 77:
                                                                                                                                                           CAMT054-08.
                                                                   Collective Booking* CHF 60
                       Details according to account default                                                                            AcctSvcrRef (camt.053)
                                                                                                           AcctSvcrRef (camt.053)
July 16       140      and pain.001 advice steering. Examples pages 75/76.
                                                                                                           Ntfctn Id   (camt.054)
                                                                                                                                       Ntfctn Id   (camt.054)
                                                                                                                                                                      MsgId (camt.053 C-Level)
                                                                                                                                       see page 55
                                                                                                                                                                      MsgId (camt.054 A-Level)
                                                                                                                                                                      see page 49
                                                                         * One booking per subscriber number and product (ISR/LSV)
                                                                        ** Also issued when camt.053 entry includes details (pain.001 advice steering CWD or empty)
             Best Practice Guide                                             (content subject to change)                                                        September 2018              18/78
pain.001   pain.008     pain.002

                                                                                                                           camt.054   camt.053     camt.052

Formats: Reporting
camt.054 Manual Import of ZIPped ISR Files                                                                     Analogously for camt.053

Credit Suisse Direct only provides camt.05x files in ZIP files.
Reason 1: When several camt.05x are ready for download, it is easier to download them in a ZIP file.
Reason 2: When also single camt.05x files are saved in a ZIP file, our common client and your software has only to deal with one import process.

Problem: if the CS client unzips the file and uploads the camt.05x manually, he might miss a file or upload a file twice.
Therefore please make sure to support at least one of the following options:

Credit Suisse Direct               Option 1                            Import Oct 19, 201x                                 Payment
                                   Download 1 ZIP file…                … then the user imports 1 ZIP file                  Software
     camt.054 ISR                  Oct 19, 201x
     Oct 16, 201x                                          User

        camt.054 ISR
        Oct 17, 201x               Option 2
                                   Download 1 ZIP file…                                                                    Payment
                                                                                                                           Software
          camt.054 ISR
                                                           User                               … and can mark all
          Oct 18, 201x
                                                                      … then the user unzips… files for import

                                   Option 3
                                                                                                                                        … but then
                                   Download 1 ZIP file…                                                                    Payment
                                                                                                                                        the software needs
                                                                                                                           Software
                                                           User                                                                         a duplicate and maybe
            ZIP File                                                                             … and has to upload                    missing file check!
                                                                                                 one file after another…
                                                                      … then the user unzips…

                 Best Practice Guide                               (content subject to change)                                        September 2018    19/78
pain.001        pain.008          pain.002

                                                                                                               camt.054        camt.053         camt.052

Formats: Reporting                                                                                                   1 Noordering of non-subscribed camt.052,
Advice Steering1 with pain.001 Tags: All Cases                                                                        camt.053 and camt.054 via pain.001 tags.

Payment Information          Payment Information                                                                    Credit Suisse
+Debtor Account              +Batch Booking                                                                         Account Defaults
++Type                                                                                                              camt in General
+++Proprietary               False                                   True/Empty
                                                                                                                    In order to receive camt.053/
NOA                              Single booking                          Batch booking                              052/054, Credit Suisse clients
                                 camt.053 with details                   camt.053 no details                        have to subscribe to them for
                                 No camt.054                             No camt.054                                each of their accounts. It is not
                                                                                                                    possible to order non-subscribed
SIA                              Single booking                          Batch booking
                                                                                                                    camts via pain.001.
                                 camt.053 with details                   camt.053 details as account default
                                 camt.054 with details                   camt.054 with details (CWD)                camt.053
                                                                                                                    Default booking type is always
CND                              Single booking                          Batch booking
                                                                                                                    batch booking, and for the
                                 camt.053 with details                   camt.053 no details
                                                                                                                    subscription, the clients have
                                 camt.054 with details (SIA)             camt.054 no details
                                                                                                                    to choose between with details
CWD                              Single booking                          Batch booking                              or no details. Both can be over-
                                 camt.053 with details                   camt.053 with details                      ridden with pain.001 tags
                                 camt.054 with details (SIA)             camt.054 with details                      for particular instructions.
Empty                            Single booking                          Batch booking                              camt.052
                                 camt.053 with details                   camt.053 details as account default        Details are the same as for
                                 camt.054 with details                   camt.054 with details                      camt.053, unless camt.053
                                                                                                                    follows account default, then
                                                                                                                    camt.052 is with details.
  Bold: Recommended settings
  Out of 15 debit advice combinations, only 5 are recommended                                                       camt.054
  Your software should be able to control these, e.g. by one dropdown menu                                          Default is always with details!
  Red: Recommended settings for salary payments to allow confidentiality                                            This can be overridden with CND
  Salary payments should only allow these settings, e.g. by ticking a checkbox                                      or NOA.
  Grey: Not recommended (may be rejected by other banks)

               Best Practice Guide                             (content subject to change)                                     September 2018          20/78
pain.001        pain.008          pain.002

                                                                                                                camt.054        camt.053         camt.052

Formats: Reporting                                                                                                    1 Noordering of non-subscribed
Advice Steering1 with pain.001 Tags: Useful Cases                                                                      camt.053 and camt.054 via pain.001 tags.

Document pain.001                        Document pain.001          Document pain.001            Document pain.001                  Document pain.001
B-Level     CHF 50                       B-Level      CHF 50        B-Level      CHF 50          B-Level     CHF 50                 B-Level       CHF 50
 FALSE       NOA                          FALSE        SIA            TRUE        NOA              TRUE       CND                     TRUE         CWD
 C-Level    CHF 20                        C-Level     CHF 20          C-Level    CHF 20           C-Level    CHF 20                   C-Level     CHF 20
 C-Level    CHF 30                        C-Level     CHF 30          C-Level    CHF 30           C-Level    CHF 30                   C-Level     CHF 30

Document camt.053                       Document camt.053           Document camt.053            Document camt.053                  Document camt.053
B-Level                                  B-Level                    B-Level                      B-Level                             B-Level
 C-Level     CHF 20                       C-Level     CHF 20         C-Level     CHF 50           C-Level    CHF 50                   C-Level     CHF 50
  D-Level Trx Details                      D-Level Trx Details         D-Level                     D-Level                             D-Level Trx Details
                                                                                                                                               CHF 20
 C-Level     CHF 30                       C-Level     CHF 30                                                                           D-Level Trx Details
  D-Level Trx Details                      D-Level Trx Details                                                                                 CHF 30

                                    Document camt.054                                            Document camt.054                  Document camt.054
                                        B-Level                                                  B-Level                             B-Level
                                         C-Level    CHF 20                                        C-Level    CHF 50                   C-Level     CHF 50
                                          D-Level Trx Details                                      D-Level                             D-Level Trx Details
                                                                                                                                               CHF 20
                                          Document camt.054
                                                                                                                                       D-Level Trx Details
                                          B-Level                                                                                              CHF 30
                                           C-Level      CHF 30
                                             D-Level Trx Details

                  Best Practice Guide                              (content subject to change)                                  September 2018          21/78
pain.001            pain.008            pain.002

                                                                                                                                  camt.054            camt.053           camt.052

Formats: Reporting
All Formats                        pain.001
                                   B-Level: Sum
                                                          pain.001
                                                          B-Level: Sum
                                                                                  pain.001
                                                                                  B-Level: Sum
                                                                                                        pain.001
                                                                                                        B-Level: Sum
                                                                                                                                   pain.001
                                                                                                                                   B-Level: Sum
                                                                                                                                                             pain.001
                                                                                                                                                             B-Level: Sum
                                    Batch Booking          Batch Booking           Batch Booking         Batch Booking              Batch Booking             Batch Booking
                                    Proprietary            Proprietary             Proprietary           Proprietary                Proprietary               Proprietary
                                    C-Level: Amount        C-Level: Amount         C-Level: Amount       C-Level: Amount            C-Level: Amount              C-Level: Amount
Input
                                    C-Level: Amount        C-Level: Amount         C-Level: Amount       C-Level: Amount            C-Level: Amount              C-Level: Amount
                                    C-Level: Amount        C-Level: Amount         C-Level: Amount       C-Level: Amount            C-Level: Amount              C-Level: Amount
                                    C-Level: Amount        C-Level: Amount         C-Level: Amount       C-Level: Amount            C-Level: Amount              C-Level: Amount

Output
                                  Web-based              Files                                                                    Paper/E-Documents (PDF)

                                  Credit Suisse Direct   MT940                   camt.053              camt.054                   Paper /E-Document         Paper/E-Document
                                  Booking Details        Account Statement       Account Statement     Debit Advice               Account Statement         Debit Advice

    True      CWD                 Sum                    Sum                     Amounts               Amounts                    Amounts                   Amounts
    or                                                                           + Details             + Details                  + Details                 + Details
                                                                                 in 1 camt.053         in 1 camt.054              in 1 document             in 1 document
    Empty

              CND                                                                Sum                   Sum                        Sum                       Sum

              NOA                                                                Sum                   No advice                  Account                   No advice
                                                                                                                                  Default

              Empty                                                              As AD*: Sum           Amounts                    Account                   Account
                                                                                 or A+D**              + Details                  Default                   Default
                                                                                 in 1 camt.053         in 1 camt.054

    False     SIA                 Amounts                Amounts                 Amounts               Amounts                    Amounts                   Amounts
                                  + Details              + Details               + Details             + Details                  + Details                 + Details
                                                         in 1 MT940              in 1 camt.053         in 4 camt.054              in 1 document             in 4 documents

              NOA                                                                Amounts               No advice                  Account                   No advice
                                                                                 + Details                                        Default
                                                                                 in 1 camt.053

              Empty                                                              Amounts               Amounts                    Amounts,                  Amounts,
                                                                                 + Details             + Details                  Details as AD*            Details as AD*
                                                                                 in 1 camt.053         in 4 camt.054              in 1 camt.053             in 4 documents

            Best Practice Guide                                        (content subject to change)   * Account Default     ** Amounts + Details       September 2018               22/78
Agenda

Framework                                                               Page 5

Formats                                                                Page 11

Use Cases                                                             Page 23

Test Procedure                                                         Page 59

          Best Practice Guide   (content subject to change)   September 2018   23/78
Use Cases
Remarks
      Payment slips and their replacement        pain.001                         ISR (10)         IS (11)         QR (15)

      Bank payments                              pain.001                       Domestic (12)    SEPA (13)       ROW1 (14)

      Special payments                           pain.001                        Salary (20)       Type 1        Chapter 2.2

      Status reports                             pain.002                        ACCP (35)      ACWC (37)        PART (38)       RJCT (39)

      Advices                                    camt.054                         NOA (46)        SIA (47)        CND (48)       CWD (49)

      Statements                                 camt.053/052                   Internal (64)   External (65)    ISR (40/41)

      Direct debit                               pain.008                       DD Core (44)    DD B2B (45)     SDD Core (42)   SDD B2B (43)

      Payment Type                                                                                 Type 1

      Swiss Usage Guide                                                                                          Chapter 2.2

      camt.053/MT940 descriptions always include camt.052/MT942

      Only bank formats are depicted, not PostFinance formats

1 “Rest   of the World”.

                           Best Practice Guide    (content subject to change)                                       September 2018      24/78
ISR (10)           IS (11)          QR (15)

Use Cases: Credit Transfer                                                                                         Domestic (12)
                                                                                                                    Salary (20)
                                                                                                                                      SEPA (13)
                                                                                                                                         Type
                                                                                                                                                        ROW (14)
                                                                                                                                                         Chapter

All Format Changes for Credit Transfer                                                                              ACCP (35)
                                                                                                                     NOA (46)
                                                                                                                                     ACWC (37)
                                                                                                                                       SIA (47)
                                                                                                                                                       PART (38)
                                                                                                                                                        CND (48)
                                                                                                                                                                                  RJCT (39)
                                                                                                                                                                                  CWD (49)
                                                                                                                   Internal (64)     External (65)     ISR (40/41)
                                                                                                                   DD Core (44)      DD B2B (45)      SDD Core (42)              SDD B2B (43)

Old formats and lasting formats                                               New formats

                        Orange/Red Payment Slip                                                                              New Payment Slip

        Debtor
                                   or Invoice             Creditor
                                                                                                                                   or Invoice

                                                                                                                                                                      camt.054

                                                                                                                                                                                     camt.053
             MT940

                                                                                                        camt.053
  DTA
  Protocol

                                                                                 pain.001
                                                                                 pain.002
                                                                                             camt.054
                                                                MT940
                                                         V11

                       A10                        A11                                                              pacs.008                          pacs.008
     Debtor Bank                       Clearing         Creditor Bank

                 Best Practice Guide                           (content subject to change)                                                               September 2018                         25/78
ISR (10)          IS (11)         QR (15)

Create pain.001                                                                                                       Domestic (12)
                                                                                                                        Salary (20)
                                                                                                                                         SEPA (13)
                                                                                                                                            Type
                                                                                                                                                          ROW (14)
                                                                                                                                                           Chapter

Use Cases 10/11/15: Inpayment Slips                                                                                     ACCP (35)
                                                                                                                        NOA (46)
                                                                                                                                         ACWC (37)
                                                                                                                                          SIA (47)
                                                                                                                                                         PART (38)
                                                                                                                                                          CND (48)
                                                                                                                                                                         RJCT (39)
                                                                                                                                                                         CWD (49)
                                                                                                                       Internal (64)    External (65)    ISR (40/41)
                                                                                                                      DD Core (44)      DD B2B (45)     SDD Core (42)   SDD B2B (43)

                                                                                                    Payment Slip Variants
                                        Payment Slip / QR-Bill                                                                 ISR (German ESR, French BVR, Italian PVR).
                                                                                                                               Orange inpayment slip with reference number.
                        Create pain.001 from Payment Slip                                                                      Currently in use, see page 27 for details.
                                        or QR-Bill
                                                                                                                               IS (German ES, French BV, Italian PV).

                                                                     camt.054

                                                                                 camt.053
                        camt.053
  pain.002
             camt.054
  pain.001

                                                                                                                               Red inpayment slip.
                                                                                                                               Currently in use, see page 28 for details.

                                                                                                                               QR-bill
                                                                                                                               Will replace ISR and IS, see page 29 for details.

                                   pacs.008               pacs.008
                                                                                                              Layout example

To be considered
   New file format pain.001 instead of DTA
   Booking control needs to be implemented
   Notification control needs to be implemented

                              Best Practice Guide                               (content subject to change)                                                September 2018      26/78
ISR (10)         IS (11)         QR (15)

Create pain.001                                                                                                       Domestic (12)
                                                                                                                       Salary (20)
                                                                                                                                       SEPA (13)
                                                                                                                                         Type 1
                                                                                                                                                        ROW (14)
                                                                                                                                                        Chapter 3.1

Use Case 10: Orange Inpayment Slip                                                                                     ACCP (35)
                                                                                                                        NOA (46)
                                                                                                                                      ACWC (37)
                                                                                                                                        SIA (47)
                                                                                                                                                        PART (38)
                                                                                                                                                         CND (48)
                                                                                                                                                                       RJCT (39)
                                                                                                                                                                       CWD (49)
                                                                                                                      Internal (64)   External (65)     ISR (40/41)
                                                                         Mandatory
                                                                                                                      DD Core (44)    DD B2B (45)     SDD Core (42)   SDD B2B (43)
                                                                         Dependent
                                                                         Recommended
                                                                         Optional

               2
                                             3

                                         1
                   4

                                                                                                                                        Real name, no code

           4                    3                2                                                                                      TRF or TRA

                                                                                                                  1
   Notes:
    Only one currency per B-Level
    For Instruction Priority HIGH and/or                                                                                               See Impl. Guidelines for alternatives
     Category Purpose SALA,
     CH01 has to be in B-Level
    ISR participant number must have 9
     characters, e.g. 01-2654-0 or
     010026540, but not 0126540 (missing
     dashes) or 000126540 (additional                                                                                                   CH01 (= Type 1)
     zeros in front of first number block                                                                                               CHF or EUR
                                                                                                                  4
     instead of in front of the second one)

   Please for all pain.001:                                                                                       2                     ISR participant number
    Also use +Initiating Party
                ++Name                                                                                                                  ISR reference
                +++Contact Details                                                                                3

Source: Swiss Usage Guide for ISO 20022 Messages, Version 1.2 by SIX Interbank Clearing Ltd

                       Best Practice Guide                                          (content subject to change)                                          September 2018      27/78
ISR (10)         IS (11)         QR (15)

Create pain.001                                                                                                    Domestic (12)
                                                                                                                    Salary (20)
                                                                                                                                    SEPA (13)
                                                                                                                                     Type 2.2
                                                                                                                                                     ROW (14)
                                                                                                                                                    Chapter 3.3

Use Case 11: Red Inpayment Slip                                                                                     ACCP (35)
                                                                                                                     NOA (46)
                                                                                                                                   ACWC (37)
                                                                                                                                     SIA (47)
                                                                                                                                                    PART (38)
                                                                                                                                                     CND (48)
                                                                                                                                                                       RJCT (39)
                                                                                                                                                                       CWD (49)
                                                                                                                   Internal (64)   External (65)    ISR (40/41)
                                                                                                                   DD Core (44)    DD B2B (45)     SDD Core (42)     SDD B2B (43)

                         4                                                                                                            Notes:
 2                                                                                                                                     Only one currency per B-Level
 3                                                             Manual entry into                     Mandatory
                                                                                                                                       For Instruction Priority HIGH and/or
                                                               your software by                      Dependent                          Category Purpose SALA,
                     6
                                                               using these fields                    Recommended                        CH03 has to be in B-Level
                                                                                                     Optional                          CH03 requires Creditor Agent
                 5       1

                                                 8

                               7
                                                 6
                                                                                                                                                                CH02 (=Type 2.1) or
                                                                                                                                                                CH03 (=Type 2.2)
                                                                                                                                      5                         CHF or EUR
                                                                                                                                                                See Impl. Guidelines
                                                                                                                                                                for alternatives
                                                                                                                                      6                         Bank’s Postal
                                                                                                                                                                Account Number
                                                                                                                                      3
                                                                    TRA or TRF                                                        3

                                                                                                                                      3
                                           1
                                                                                                                                      3

                                                                    CHBCC                                                             3

                                                                    IID
                                                                                                                                      2

                                                                                                                                      4
Source: Swiss Usage Guide for ISO 20022 Messages, Version 1.2 by SIX Interbank Clearing Ltd                                           7

                     Best Practice Guide                                       (content subject to change)                                            September 2018         28/78
Notes:                                                        ISR (10)                   IS (11)         QR (15)
                                                                 Very new spec, subject to change!
Create pain.001                                                  Only one currency per B-Level
                                                                 QR Elements Ustrd without Ref:
                                                                                                                            Domestic (12)
                                                                                                                             Salary (20)
                                                                                                                                                      SEPA (13)
                                                                                                                                                         Type 3
                                                                                                                                                                        ROW (14)
                                                                                                                                                                         Chapter

Use Case 15: QR-Bill                                              pain.001 tag RmtInf > Ustrd                                ACCP (35)
                                                                                                                              NOA (46)
                                                                                                                                                      ACWC (37)
                                                                                                                                                        SIA (47)
                                                                                                                                                                        PART (38)
                                                                                                                                                                        CND (48)
                                                                                                                                                                                           RJCT (39)
                                                                                                                                                                                           CWD (49)
                                                                Please for all pain.001:
                                                                 Also use +Initiating Party                                Internal (64)            External (65)     ISR (40/41)
     Mandatory
                                                                             ++Name
                                                                             +++Contact Details                             DD Core (44)            DD B2B (45)       SDD Core (42)    SDD B2B (43)
     Dependent
     Recommended
     Optional                                          QR Elements                                                                                                                    QR Elements

                                                                                                                                                                     CHF or EUR       Amt       Ccy

                                                                                                                                                                                      Name

                                                                                                                                                                                      StrtNm

                                                                                                                                                                                      BldgNb

                                                                                                                                                                                      PstCd

                                                                                                                                                                                      TwnNm

                                                                                                                                                                                      Ctry
                                                       Name
                                                                                                                                                                     QR-IBAN          IBAN
                                                       StrtNm
                                                                                                                                                                                      Name
                                                                         C     +Remittance Information                QRR
                                                       BldgNb                  ++Structured
                                                                               +++Creditor Reference Information
                                                                               ++++Type                                                                                               Tp
                                                       PstCd                   +++++Code Or Proprietary
                                                                               ++++++Proprietary
                                                                         C     +Remittance Information
                                                       TwnNm                   ++Structured
                                                                               +++Creditor Reference Information
                                                                                                                                                                     QR Reference     Ref
                                                                               ++++Reference
                                                                         C     +Remittance Information                             Additional information for
Source: Swiss Implementation Guidelines, Version 1.7.2 / 1.8                   ++Structured
                                                                               +++Additional Remittance Information
                                                                                                                                   reconciliation. Recommendation:
                                                                                                                                   Use Syntax Definition by SWICO.
                                                                                                                                                                     Use once         Ustrd
by SIX Interbank Clearing Ltd

                    Best Practice Guide                                      (content subject to change)                                                                 September 2018          29/78
ISR (10)         IS (11)         QR (15)

Create pain.001                                                                                       Domestic (12)
                                                                                                       Salary (20)
                                                                                                                        SEPA (13)
                                                                                                                          Type 3
                                                                                                                                         ROW (14)
                                                                                                                                          Chapter

Use Case 15: QR-Bill vs. ISR                                                                           ACCP (35)
                                                                                                        NOA (46)
                                                                                                                       ACWC (37)
                                                                                                                         SIA (47)
                                                                                                                                        PART (38)
                                                                                                                                         CND (48)
                                                                                                                                                        RJCT (39)
                                                                                                                                                        CWD (49)
                                                                                                       Internal (64)   External (65)    ISR (40/41)
                                                                                                      DD Core (44)     DD B2B (45)     SDD Core (42)   SDD B2B (43)

Caution 1: Creditor Data Must Match the Bank’s Master Data                             Caution 2: Changes for Debtor Grouping
The procedure for the QR-bill is the first to have been aligned with                   To date, V11 files have been created for each internal ISR subscriber
current Swiss money laundering provisions from the outset. As a                        number at Credit Suisse. Multiple subscriber numbers could relate to
result, financial institutions will increasingly check whether the names               one bank account. In the future, the camt.054 for the QR-bill will be
and addresses of the accounts payable that appear on the QR-bill                       created for each QR-IBAN. Since each bank account can have only
match the corresponding bank master data.                                              one QR-IBAN, it is not possible to continue the previous setup
For payees, this is easy to see when creating a QR-bill.                               involving bank accounts with multiple subscriber numbers.
However, for payers, this process becomes problematic if an                            Clients who still wish to group their accounts receivable when payment
accounts payable module does not draw on the information given on                      is received must do this with multiple QR-IBANs, and therefore with
the bill but rather on out-of-date master data when the payer comes to                 multiple bank accounts.
settle the QR-bill. For payments via ISR, this issue has so far been of                Alternatively, the accounts receivable software can choose to
no significance due to this data not being transmitted.                                distinguish between accounts receivable groups using the reference
                                                                                       numbers and can map these groups accordingly. For the latter, as was
                                                                                       already the case at PostFinance, the first six positions are now at your
                                                                                       disposal, thereby making a total of 26 positions in the 27-digit
                                                                                       reference number; old subscriber numbers can therefore continue to
                                                                                       be used.

                 Best Practice Guide                               (content subject to change)                                            September 2018      30/78
ISR (10)           IS (11)          QR (15)

Create pain.001                                                                                                  Domestic (12)
                                                                                                                  Salary (20)
                                                                                                                                     SEPA (13)
                                                                                                                                   Type 3/4/5/6
                                                                                                                                                       ROW (14)
                                                                                                                                                        Chapter

Use Cases 12/13/14: Bank Payments                                                                                 ACCP (35)
                                                                                                                   NOA (46)
                                                                                                                                    ACWC (37)
                                                                                                                                      SIA (47)
                                                                                                                                                       PART (38)
                                                                                                                                                       CND (48)
                                                                                                                                                                         RJCT (39)
                                                                                                                                                                         CWD (49)
                                                                                                                  Internal (64)     External (65)     ISR (40/41)
                                                                                                                 DD Core (44)      DD B2B (45)       SDD Core (42)     SDD B2B (43)

                                                                                              Common Mistake: CH03 Is Not Payment Type 3
                                         Invoice or                                           Please note that Payment Type 3 transactions must not contain a
                                                                                              Local Instrument. Local Instrument CH03 is not Payment Type 3
                                    accounting voucher
                                                                                              (domestic credit transfer in CHF or EUR) but Payment Type 2.2 (IS,
                        Create pain.001 from invoice                                          red two-stage inpayment slip in CHF or EUR):
                               or accounting voucher

                                                               camt.054

                                                                           camt.053
                        camt.053
  pain.002
             camt.054
  pain.001

                                                                                              Source: Swiss Implementation Guidelines, Version 1.7.2 / 1.8 by SIX Interbank Clearing Ltd
                                   pacs.008         pacs.008

To be considered
   New file format pain.001 instead of DTA
   Booking control needs to be implemented
   Notification control needs to be implemented

                              Best Practice Guide                         (content subject to change)                                                   September 2018          31/78
ISR (10)             IS (11)           QR (15)

Create pain.001                                                                                                 Domestic (12)
                                                                                                                 Salary (20)
                                                                                                                                     SEPA (13)
                                                                                                                                      Type 3/4
                                                                                                                                                        ROW (14)
                                                                                                                                                       Chapter 3.4

Use Case 12: Domestic Bank Payment                                                                               ACCP (35)
                                                                                                                  NOA (46)
                                                                                                                                     ACWC (37)
                                                                                                                                      SIA (47)
                                                                                                                                                       PART (38)
                                                                                                                                                        CND (48)
                                                                                                                                                                       RJCT (39)
                                                                                                                                                                       CWD (49)
                                                                                                                Internal (64)       External (65)      ISR (40/41)
     Mandatory
                                                                                                                DD Core (44)        DD B2B (45)       SDD Core (42)   SDD B2B (43)
     Dependent
     Recommended
     Optional

                                                                                                                                                    Type 3: CHF or EUR
                                                                                                                                                    Type 4: not CHF or EUR

                                                                              Notes:                                            Please for all pain.001:
                                                                               Only one currency per B-Level                    Also use +Initiating Party
                                                                                                                                             ++Name
                                                                                                                                             +++Contact Details
Source: Swiss Usage Guide for ISO 20022 Messages, Version 1.2 by SIX Interbank Clearing Ltd

                    Best Practice Guide                                        (content subject to change)                                               September 2018      32/78
ISR (10)         IS (11)         QR (15)

Create pain.001                                                                                              Domestic (12)
                                                                                                              Salary (20)
                                                                                                                              SEPA (13)
                                                                                                                                Type 5
                                                                                                                                               ROW (14)
                                                                                                                                              Chapter 3.6

Use Case 13: SEPA X-Border Payment                                                                            ACCP (35)
                                                                                                               NOA (46)
                                                                                                                             ACWC (37)
                                                                                                                               SIA (47)
                                                                                                                                              PART (38)
                                                                                                                                               CND (48)
                                                                                                                                                                 RJCT (39)
                                                                                                                                                                 CWD (49)
                                                                                                             Internal (64)   External (65)    ISR (40/41)
     Mandatory
                                                                                                             DD Core (44)    DD B2B (45)     SDD Core (42)      SDD B2B (43)
     Dependent
     Recommended
     Optional

                                                                                                                                                      EUR

                                                                      TRA or TRF                                                                          Swiss Implemen-
                                                                                                                                                          tation Guidelines
                                                                      SEPA                                                                                recommend
                                                                                                                                                           and
                                                                                                                                                          . CS strongly
                                                                                                                                                          encourages to
                                                                                                                                                          include Postal
                                                                                                                                                          Address if possible
                                                                                                                                                          the structured way.

Notes:                                             Please for all pain.001:
 Only one currency per B-Level                     Also use +Initiating Party
 For Category Purpose SALA,                                    ++Name
  SEPA has to be in B-Level                                     +++Contact Details

Source: Swiss Usage Guide for ISO 20022 Messages, Version 1.2 by SIX Interbank Clearing Ltd

                    Best Practice Guide                                        (content subject to change)                                      September 2018         33/78
ISR (10)        IS (11)         QR (15)

Create pain.001                                                                                               Domestic (12)
                                                                                                               Salary (20)
                                                                                                                                SEPA (13)
                                                                                                                                  Type 6
                                                                                                                                                 ROW (14)
                                                                                                                                                  Chapter

Use Case 14: Other X-Border Payment                                                                            ACCP (35)
                                                                                                                  NOA (46)
                                                                                                                               ACWC (37)
                                                                                                                                 SIA (47)
                                                                                                                                                PART (38)
                                                                                                                                                 CND (48)
                                                                                                                                                                   RJCT (39)
                                                                                                                                                                   CWD (49)
                                                                                                               Internal (64)   External (65)    ISR (40/41)
     Mandatory
                                                                                                              DD Core (44)     DD B2B (45)     SDD Core (42)      SDD B2B (43)
     Dependent
     Recommended
     Optional

                                                                                                             SELDDENN001
                                                                                                             1
                                                                                                                                                        See below for
                                                                                                                                                        alternatives
                                                                       TRA or TRF                                                                           Swiss Implemen-
                                                                                                                                                            tation Guidelines
                                                                                                                                                            recommend
                                                                                                                                                             and
                                                                                                                                                            . CS strongly
                                                                                                                                                            encourages to
                                                                                                                                                            include Postal
                                                                                                             Bahnhofplatz                                   Address if possible
                                                                                                                                                            the structured way.

Notes:                                            Creditor Agent:
 Only one currency per B-Level                    Should be specified with a BIC (payment type 6 version 1).
                                                   If the Creditor Agent has no BIC or if it is unknown, the national
                                                                                                                 98765 clearing number and bank name/address can be used
                                                     instead (payment type 6 version 2).
Please for all pain.001:
                                                     The national clearing number has to be specified as follows (example values for a US bank in black):
 Also use +Initiating Party
                                                      USABA026009179
                                                                                                                 Neustadt
             ++Name
                                                     You can find ClrSysId Codes in the External Code Sets spreadsheet tab 5 at iso20022.org.
             +++Contact Details
                                                                                                             DE

Source: Swiss Usage Guide for ISO 20022 Messages, Version 1.2 by SIX Interbank Clearing Ltd

                    Best Practice Guide                                        (content subject to change)                                        September 2018         34/78
ISR (10)         IS (11)         QR (15)

Create pain.001                                                                                              Domestic (12)
                                                                                                              Salary (20)
                                                                                                                               SEPA (13)
                                                                                                                                 Type 3
                                                                                                                                                ROW (14)
                                                                                                                                               Chapter 3.5

Use Case 20: Salary Payment                                                                                   ACCP (35)
                                                                                                               NOA (46)
                                                                                                                              ACWC (37)
                                                                                                                                SIA (47)
                                                                                                                                               PART (38)
                                                                                                                                                CND (48)
                                                                                                                                                               RJCT (39)
                                                                                                                                                               CWD (49)
                                                                                                              Internal (64)   External (65)    ISR (40/41)
                                                                                                             DD Core (44)     DD B2B (45)     SDD Core (42)   SDD B2B (43)

                                                                                              Caution:
                                                                                                SALA flag has no effect on booking and advices in Swiss pain.001
                                                                                                Salary payments must have:
                                                                                                        Batch Booking TRUE or empty
                        Create pain.001 for salary payment                                              and
                                                                                                        Debtor Account >Type>Proprietary CND or NOA

                                                               camt.054

                                                                           camt.053
                        camt.053
  pain.002
             camt.054
  pain.001

                                                                                              What happens without TRUE or CND/NOA?
                                                                                                camt.053 default account setting is always batch booking,
                                                                                                so the client will receive batch booking (unless the pain.001 is set to
                                                                                                batch booking FALSE)
                                   pacs.008         pacs.008                                    camt.054 default account setting is always with details,
                                                                                                so for salary payments details have to be stopped with CND or NOA!

To be considered
   New file format pain.001 instead of DTA
   Booking steering needs to be implemented
   Advice steering needs to be implemented

                              Best Practice Guide                         (content subject to change)                                            September 2018      35/78
ISR (10)         IS (11)         QR (15)

Create pain.001                                                                                                    Domestic (12)
                                                                                                                    Salary (20)
                                                                                                                                     SEPA (13)
                                                                                                                                       Type 3
                                                                                                                                                      ROW (14)
                                                                                                                                                     Chapter 3.5

Use Case 20: Salary Payment                                                                                         ACCP (35)
                                                                                                                     NOA (46)
                                                                                                                                    ACWC (37)
                                                                                                                                      SIA (47)
                                                                                                                                                     PART (38)
                                                                                                                                                      CND (48)
                                                                                                                                                                     RJCT (39)
                                                                                                                                                                     CWD (49)
                                                                                                                    Internal (64)   External (65)    ISR (40/41)
     Mandatory
                                                                                                                   DD Core (44)     DD B2B (45)     SDD Core (42)   SDD B2B (43)
     Dependent
     Recommended
     Optional

                                                                                         Batch Booking has to be TRUE or empty

                                                                                         SALA has no impact on the salary payment processing

                                                                                         Advice control has to be CND or NOA

                                                                                         Notes:                                       Please for all pain.001:
                                                                                          Only one currency per B-Level               Also use +Initiating Party
                                                                                                                                                   ++Name
                                                                                                                                                   +++Contact Details
Source: Swiss Usage Guide for ISO 20022 Messages, Version 1.2 by SIX Interbank Clearing Ltd

                    Best Practice Guide                                        (content subject to change)                                             September 2018      36/78
ISR (10)         IS (11)         QR (15)

pain.001 in General                                                              Domestic (12)
                                                                                  Salary (20)
                                                                                                  SEPA (13)
                                                                                                    Type 3
                                                                                                                   ROW (14)
                                                                                                                  Chapter 3.5

Payment Type Information                                                          ACCP (35)
                                                                                   NOA (46)
                                                                                                 ACWC (37)
                                                                                                   SIA (47)
                                                                                                                  PART (38)
                                                                                                                   CND (48)
                                                                                                                                  RJCT (39)
                                                                                                                                  CWD (49)
                                                                                 Internal (64)   External (65)    ISR (40/41)
                                                                                 DD Core (44)    DD B2B (45)     SDD Core (42)   SDD B2B (43)

Payment Type Information           B-Level                                             C-Level

                                   HIGH (Express payment
Instruction Priority
                                   between noon and cut-off time)

                                   SEPA (Payment Type PT 5)                           SEPA (Payment Type PT 5)
Service Level

                                   CH01 (PT 1), CH02 (PT 2.1),                        CH01 (PT 1), CH02 (PT 2.1),
Local Instrument
                                   CH03 (PT 2.2)                                      CH03 (PT 2.2)

                                   SALA (Salary payment, has no effect on             SALA
Category Purpose                                                                      ()
                                   advice steering)

                                   Combinations on B-Level and C-Level are accepted by Credit Suisse.
                                   HIGH (on B-Level) cannot be combined with SEPA on B-Level.
                                   SEPA and CH01/CH02/CH03 cannot be combined.
                                   SALA and CH01 currently rejected by Credit Suisse, being fixed.

             Best Practice Guide                   (content subject to change)                                      September 2018      37/78
ISR (10)         IS (11)         QR (15)

pain.001 in General                                                                                          Domestic (12)
                                                                                                              Salary (20)
                                                                                                                               SEPA (13)
                                                                                                                                 Type 3
                                                                                                                                                ROW (14)
                                                                                                                                               Chapter 3.5

Important Issues to Consider                                                                                  ACCP (35)
                                                                                                               NOA (46)
                                                                                                                              ACWC (37)
                                                                                                                                SIA (47)
                                                                                                                                               PART (38)
                                                                                                                                                CND (48)
                                                                                                                                                               RJCT (39)
                                                                                                                                                               CWD (49)
                                                                                                              Internal (64)   External (65)    ISR (40/41)
                                                                                                             DD Core (44)     DD B2B (45)     SDD Core (42)   SDD B2B (43)

                                                                                              Structured Master Data and Addresses
                                                                                              Master data as source for all pain.001 payment instructions have
                                                                                              to be very structured to avoid rejected files (pain.002 status RJCT).
                                                                                              Credit Suisse encourages to use structured pain.001 tags instead
                                                                                              of unstructured ones whenever possible, also for addresses.
                                                                                              For foreign payments, the Swiss Implementation Guidelines

                                                               camt.054

                                                                           camt.053
                                                                                              recommend the use of unstructured address information, but
                        camt.053
  pain.002
             camt.054
  pain.001

                                                                                              particularly for payment type 5, recommendation of structured address
                                                                                              information is under investigation. Structuring the customer’s data
                                                                                              before the customer creates pain.001 files is crucial. Therefore Credit
                                                                                              Suisse suggests offering your clients data cleansing before they go
                                                                                              live with pain.001.
                                                                                              This should include consistent use of the IBAN.
                                   pacs.008         pacs.008
                                                                                              Do Not Allow Multiple Currencies in One B-Level
                                                                                              Index 4.3.1 of the Swiss Business Rules include an Additional Optional
                                                                                              Service (AOS) to create more than one B-Level for each currency.
                                                                                              Credit Suisse and other banks do not include this AOS, i.e. one B-
                                                                                              Level for each currency will be mandatory for collective booking
To be considered                                                                              to avoid reconciliation problems caused by making the same reference
   New file format pain.001 instead of DTA                                                    appear several times in the resulting camt.05x.
   Booking steering needs to be implemented                                                   Credit Suisse also states that one B-Level per currency is
   Advice steering needs to be implemented                                                    recommended for single booking to avoid cutoff time problems.
                                                                                              Structuring data is one major principle of ISO 20022, therefore this
                                                                                              should not be compromised by mixing instructions which have to be
                                                                                              processed differently in the financial markets.

                              Best Practice Guide                         (content subject to change)                                            September 2018      38/78
ISR (10)         IS (11)         QR (15)

pain.001 in General                                                                                          Domestic (12)
                                                                                                              Salary (20)
                                                                                                                               SEPA (13)
                                                                                                                                 Type 3
                                                                                                                                                ROW (14)
                                                                                                                                               Chapter 3.5

Other Issues to Consider                                                                                      ACCP (35)
                                                                                                               NOA (46)
                                                                                                                              ACWC (37)
                                                                                                                                SIA (47)
                                                                                                                                               PART (38)
                                                                                                                                                CND (48)
                                                                                                                                                               RJCT (39)
                                                                                                                                                               CWD (49)
                                                                                                              Internal (64)   External (65)    ISR (40/41)
                                                                                                             DD Core (44)     DD B2B (45)     SDD Core (42)   SDD B2B (43)

                                                                                              Recommendations
                                                                                                Recommendations are not mandatory, but there is always a reason
                                                                                                why they are not only classified as optional
                                                                                                Therefore Credit Suisse strongly encourages to implement not only
                                                                                                mandatory elements, but also recommended ones

                                                               camt.054

                                                                           camt.053
                                                                                              Unique IDs
                        camt.053
  pain.002
             camt.054
  pain.001

                                                                                                Create unique IDs like MsgId, PmtInfId and InstrId to facilitate file
                                                                                                processing and support
                                                                                                InstrId is only recommended, but as mentioned above strongly
                                                                                                encouraged by Credit Suisse
                                                                                                IDs are used in telephone support, so please avoid complicated and
                                                                                                long combinations of upper and lower case IDs
                                   pacs.008         pacs.008
                                                                                              Initiating Party
                                                                                                  Name
                                                                                                  The Name of the Initiating Party should be the actual name
                                                                                                  of the party sending the payment order to the bank, not a code
                                                                                                  Contact Details
To be considered                                                                                  Please use the Initiating Party Contact Detail tags Name and Other
   New file format pain.001 instead of DTA                                                        to list the name and the version of your software, this will help
   Booking steering needs to be implemented                                                       to support our mutual customers considerably
   Advice steering needs to be implemented

                              Best Practice Guide                         (content subject to change)                                            September 2018      39/78
ISR (10)             IS (11)         QR (15)

Match pain.002 with pain.001                                                                               Domestic (12)
                                                                                                            Salary (20)
                                                                                                                                 SEPA (13)
                                                                                                                                    Type
                                                                                                                                                  ROW (14)
                                                                                                                                                 Chapter 3.5

Use Cases 35–39: Status Report                                                                              ACCP (35)
                                                                                                             NOA (46)
                                                                                                                                ACWC (37)
                                                                                                                                  SIA (47)
                                                                                                                                                 PART (38)
                                                                                                                                                  CND (48)
                                                                                                                                                                 RJCT (39)
                                                                                                                                                                 CWD (49)
                                                                                                            Internal (64)       External (65)    ISR (40/41)
                                                                                                           DD Core (44)         DD B2B (45)     SDD Core (42)   SDD B2B (43)

                                                                                              Available Status Categories
                                                                                                                            Accepted (Use Case 35)
                                                                                               ACCP
                                                                                                                            Syntax/semantics ok across all levels
                 Match pain.002 with pain.001

                                                               camt.054

                                                                           camt.053
                        camt.053
  pain.002
             camt.054
  pain.001

                                                                                               ACWC                         Accepted with Change (Use Case 37)
                                                                                                                            Not used at Credit Suisse
                                                                                                                 C          ACCP with status code used instead

                                                                                               PART                         Partially Accepted (Use Case 38)
                                                                                                                            At least 1 B-level was incorrect (at least 1
                                   pacs.008         pacs.008                                                                correct) or at least 1 C-level in 1 B-level
                                                                                                                            was incorrect (at least 1 correct)

                                                                                               RJCT                         Rejected (Use Case 39)
                                                                                                                            Group Status: whole message rejected.
                                                                                                                            A-level not correct or all B- or C-levels
                                                                                                                            are incorrect.
To be considered                                                                                                            PmtInf: all transactions in the corresponding
   New file format pain.002 instead of bank-proprietary transaction protocol                                                B-level rejected
   pain.002 only negative details
   No execution information
   Status should be indicated in your software
   (with Direct Link, Direct Exchange, or SWIFT connectivity only)

                              Best Practice Guide                         (content subject to change)                                              September 2018      40/78
ISR (10)         IS (11)         QR (15)

Match pain.002 with pain.001                                                                                 Domestic (12)
                                                                                                              Salary (20)
                                                                                                                              SEPA (13)
                                                                                                                                 Type
                                                                                                                                               ROW (14)
                                                                                                                                             Chapter 3.1.3

Use Case 35: Status Report ACCP                                                                               ACCP (35)
                                                                                                               NOA (46)
                                                                                                                             ACWC (37)
                                                                                                                               SIA (47)
                                                                                                                                              PART (38)
                                                                                                                                               CND (48)
                                                                                                                                                              RJCT (39)
                                                                                                                                                              CWD (49)
                                                                                                             Internal (64)   External (65)    ISR (40/41)
                                                                                                             DD Core (44)    DD B2B (45)     SDD Core (42)   SDD B2B (43)

Source: Swiss Usage Guide for ISO 20022 Messages, Version 1.2 by SIX Interbank Clearing Ltd

                    Best Practice Guide                                        (content subject to change)                                      September 2018      41/78
ISR (10)         IS (11)         QR (15)

Match pain.002 with pain.001                                                                                 Domestic (12)
                                                                                                              Salary (20)
                                                                                                                              SEPA (13)
                                                                                                                                 Type
                                                                                                                                               ROW (14)
                                                                                                                                              Appendix B2

Use Case 37: Status Report ACWC                                                                               ACCP (35)
                                                                                                               NOA (46)
                                                                                                                             ACWC (37)
                                                                                                                               SIA (47)
                                                                                                                                              PART (38)
                                                                                                                                               CND (48)
                                                                                                                                                              RJCT (39)
                                                                                                                                                              CWD (49)
                                                                                                             Internal (64)   External (65)    ISR (40/41)
                                                                                                             DD Core (44)    DD B2B (45)     SDD Core (42)   SDD B2B (43)

Practice
   Not used at Credit Suisse, ACCP is used instead
   Execution date modification by the bank is indicated by Status Reason Code DT06
   As a difference to the production system, ACWC is used in the ISO 20022 Test Platform

Source: Swiss Usage Guide for ISO 20022 Messages, Version 1.2 by SIX Interbank Clearing Ltd

                    Best Practice Guide                                        (content subject to change)                                      September 2018      42/78
ISR (10)         IS (11)         QR (15)

Match pain.002 with pain.001                                   Domestic (12)
                                                                Salary (20)
                                                                                SEPA (13)
                                                                                   Type
                                                                                                 ROW (14)
                                                                                                 Appendix

Use Case 38: Status Report PART                                 ACCP (35)
                                                                 NOA (46)
                                                                               ACWC (37)
                                                                                 SIA (47)
                                                                                                PART (38)
                                                                                                 CND (48)
                                                                                                                RJCT (39)
                                                                                                                CWD (49)
                                                               Internal (64)   External (65)    ISR (40/41)
                                                               DD Core (44)    DD B2B (45)     SDD Core (42)   SDD B2B (43)

                                                Examples
                                                  The Credit Suisse ISO 20022 Test Platform features several PART
                                                  examples
                                                  Please find an overview of the best practice examples in this guide
                                                  from page 64
                                                  The ISO 20022 Test Platform can be accessed via
                                                  credit-suisse.com/iso20022test

      Best Practice Guide   (content subject to change)                                           September 2018      43/78
ISR (10)         IS (11)         QR (15)

Match pain.002 with pain.001                                                                                 Domestic (12)
                                                                                                              Salary (20)
                                                                                                                              SEPA (13)
                                                                                                                                 Type
                                                                                                                                               ROW (14)
                                                                                                                                              Appendix B3

Use Case 39: Status Report RJCT                                                                               ACCP (35)
                                                                                                               NOA (46)
                                                                                                                             ACWC (37)
                                                                                                                               SIA (47)
                                                                                                                                              PART (38)
                                                                                                                                               CND (48)
                                                                                                                                                              RJCT (39)
                                                                                                                                                              CWD (49)
                                                                                                             Internal (64)   External (65)    ISR (40/41)
                                                                                                             DD Core (44)    DD B2B (45)     SDD Core (42)   SDD B2B (43)

Example: Error at A-Level                                      Example: Error at B-Level                           Example: Error at C-Level
Message submitted twice by the debtor                          Debtor’s account is blocked                         ISR reference number check digit incorrect

Source: Swiss Usage Guide for ISO 20022 Messages, Version 1.2 by SIX Interbank Clearing Ltd

                    Best Practice Guide                                        (content subject to change)                                      September 2018      44/78
ISR (10)         IS (11)         QR (15)

Matching in General                                                                                                                              Domestic (12)
                                                                                                                                                  Salary (20)
                                                                                                                                                                   SEPA (13)
                                                                                                                                                                      Type
                                                                                                                                                                                    ROW (14)
                                                                                                                                                                                     Chapter

Debtor Side and Creditor Side                                                                                                                     ACCP (35)
                                                                                                                                                   NOA (46)
                                                                                                                                                                  ACWC (37)
                                                                                                                                                                    SIA (47)
                                                                                                                                                                                   PART (38)
                                                                                                                                                                                    CND (48)
                                                                                                                                                                                                   RJCT (39)
                                                                                                                                                                                                   CWD (49)

 Debtor Side                                                   CreditorSide                                                                       Internal (64)   External (65)    ISR (40/41)
                                                                                                                                                 DD Core (44)     DD B2B (45)     SDD Core (42)   SDD B2B (43)

                                                                                                    Point-to-Point and End-to-End References
                                                       Invoice                                      Point-to-point references are transmitted between the sender and receiver of a payment phase
                                                      RmtInf                                        (bank to client, bank to bank, or bank to client).
                                                     (EndToEndId)                                   End-to-end-references are transmitted between the debtor and the creditor, e.g. the ISR reference.
                                                                                                    However, the following issues have to be considered:
                                                                           E2E: EndToEndId/RmtInf
                                                                           Statement/Advice
E2E: EndToEndId/RmtInf
P2P: MsgId/PmtInfId/InstrId
Payment Order
                              E2E: EndToEndId/RmtInf
                              P2P: MsgId/PmtInfId/InstrId
                              Statement/Advice

                                                                                                    Creditor Reconciliation
                                                                                                    The EndtoEndId is often unknown to the creditor, so the RmtInf is important for his reconciliation.

                                                                                                    Debtor Reconciliation (also see pages 50-51)
                                                                                                    The EndtoEndId  is compulsory and is defined as major reconciliation ID for the debtor side.
                                                                                                    But there are at least three exceptions:
                                                                                                       When your software allows to enter an EndToEndId created by the creditor, this ID
                                                                                                         might not be unique, so you might also use the InstrId for the reconciliation on the debtor side
                                                                                                       The EndtoEndId is not included in the camt.05x for collective booking without details,
                                                                                                         so for collective bookings the PmtInfId should be used by the debtor as it is also transmitted
                                                                                                         in the case of CND or NOA.
                                                                                                       For individual booking and NOA, all references are missing in the camt.05x, so use
                                                                                                         name/amounts/etc. for reconciliation
                                                       pacs.008
                                                       EndToEndId/RmtInf

                                              Best Practice Guide                                              (content subject to change)                                           September 2018      45/78
ISR (10)             IS (11)         QR (15)

Match camt.054 with pain.001                                                                                    Domestic (12)
                                                                                                                   Salary (20)
                                                                                                                                        SEPA (13)
                                                                                                                                           Type
                                                                                                                                                         ROW (14)
                                                                                                                                                        Chapter 3.5

Use Cases 46–49                                                                                                    ACCP (35)
                                                                                                                    NOA (46)
                                                                                                                                       ACWC (37)
                                                                                                                                         SIA (47)
                                                                                                                                                        PART (38)
                                                                                                                                                         CND (48)
                                                                                                                                                                        RJCT (39)
                                                                                                                                                                        CWD (49)

 Debtor Side                                 Creditor Side                                                         Internal (64)       External (65)    ISR (40/41)
                                                                                                                 DD Core (44)          DD B2B (45)     SDD Core (42)   SDD B2B (43)

                                                                                                   Available Booking and Advice Categories in pain.001

                                                                                                                                   Payment Information Payment Information
                                                                                                                                   +Batch Booking      +Debtor Account
                                   Match camt.054 with pain.001                                                                                        ++Type
                                                                                                                                                       +++Proprietary

                                                                    camt.054

                                                                                camt.053
                        camt.053
  pain.002
             camt.054
  pain.001

                                                                                                   No Advice                       TRUE/FALSE/               NOA
                                                                                                   (Use Case 46)                   empty

                                                                                                   Individual Advice               FALSE                     SIA
                                                                                                   (Use Case 47)

                                   pacs.008              pacs.008                                  Collective Advice               TRUE/empty                CND
                                                                                                   without Details
                                                                                                   (Use Case 48)
                                                                                                   Individual Advice               TRUE/empty                CWD
                                                                                                   (Use Case 49)

To be considered
   New file format camt.054.001.04.ch
   Preparsing to reveal message type: debit/credit notification, ISR credit notification, LSV credit notification, external batch booking notification
   Could be end of day, depending on the report type (e.g. ISR end of day)
   Could be intraday, depending on the report type (e.g. ISR every 2 hours)

                              Best Practice Guide                              (content subject to change)                                                September 2018      46/78
ISR (10)             IS (11)         QR (15)

Match camt.054 with pain.001                                                                                    Domestic (12)
                                                                                                                   Salary (20)
                                                                                                                                        SEPA (13)
                                                                                                                                           Type
                                                                                                                                                         ROW (14)
                                                                                                                                                        Chapter 3.5

Use Cases 48 for Salary Payments                                                                                   ACCP (35)
                                                                                                                    NOA (46)
                                                                                                                                       ACWC (37)
                                                                                                                                         SIA (47)
                                                                                                                                                        PART (38)
                                                                                                                                                         CND (48)
                                                                                                                                                                        RJCT (39)
                                                                                                                                                                        CWD (49)

 Debtor Side                                 Creditor Side                                                         Internal (64)       External (65)    ISR (40/41)
                                                                                                                 DD Core (44)          DD B2B (45)     SDD Core (42)   SDD B2B (43)

                                                                                                   Available Booking and Statement Categories in pain.001

                                                                                                                                   Payment Information Payment Information
                                                                                                                                   +Batch Booking      +Debtor Account
                                   Match camt.054 with pain.001                                                                                        ++Type
                                                                                                                                                       +++Proprietary

                                                                    camt.054

                                                                                camt.053
                        camt.053
  pain.002
             camt.054
  pain.001

                                                                                                   No Advice                       TRUE/FALSE/               NOA
                                                                                                   (Use Case 46)                   empty

                                                                                                   Individual Advice               FALSE                     SIA
                                                                                                   (Use Case 47)

                                   pacs.008              pacs.008                                  Collective Advice               TRUE/empty                CND
                                                                                                   without Details
                                                                                                   (Use Case 48)
                                                                                                   Individual Advice               TRUE/empty                CWD
                                                                                                   (Use Case 49)

To be considered
   SALA flag has no effect on booking and advices in Swiss pain.001
   Salary payments must have Batch Booking TRUE (or empty)
   and Debtor Account > Type > Proprietary CND

                              Best Practice Guide                              (content subject to change)                                                September 2018      47/78
ISR (10)           IS (11)         QR (15)

Match camt.053 with pain.001                                                                                     Domestic (12)
                                                                                                                    Salary (20)
                                                                                                                                       SEPA (13)
                                                                                                                                          Type
                                                                                                                                                        ROW (14)
                                                                                                                                                       Chapter 3.5

Use Case 64: Internal Batch Booking                                                                                 ACCP (35)
                                                                                                                      NOA (46)
                                                                                                                                      ACWC (37)
                                                                                                                                        SIA (47)
                                                                                                                                                       PART (38)
                                                                                                                                                        CND (48)
                                                                                                                                                                       RJCT (39)
                                                                                                                                                                       CWD (49)

 Debtor Side                                 Creditor Side                                                        Internal (64)       External (65)    ISR (40/41)
                                                                                                                  DD Core (44)        DD B2B (45)     SDD Core (42)   SDD B2B (43)

                                                                                                    Available Booking and Statement Categories in pain.001

                                                                                                                                  Payment Information Payment Information
                                                                                                                                  +Batch Booking      +Debtor Account
                                   Match camt.053 (with details)                                                                                      ++Type
                                   with pain.001                                                                                                      +++Proprietary

                                                                     camt.054

                                                                                 camt.053
                        camt.053
  pain.002
             camt.054
  pain.001

                                                                                                    Single Booking                FALSE                     NOA
                                                                                                    without Details

                                                                                                    Single Booking                FALSE                     SIA
                                                                                                    with Details

                                   pacs.008               pacs.008                                  Batch Booking                 TRUE/empty                NOA OR CND
                                                                                                    without Details

                                                                                                    Batch Booking                 TRUE/empty                CWD
                                                                                                    with Details

To be considered
   New file format camt.053.001.04 instead of MT940

                              Best Practice Guide                               (content subject to change)                                              September 2018      48/78
ISR (10)         IS (11)         QR (15)

Match camt.053 with pain.001                                                                                      Domestic (12)
                                                                                                                   Salary (20)
                                                                                                                                   SEPA (13)
                                                                                                                                      Type
                                                                                                                                                    ROW (14)
                                                                                                                                                   Chapter 3.5

Use Case 65: External Batch Booking                                                                                ACCP (35)
                                                                                                                    NOA (46)
                                                                                                                                  ACWC (37)
                                                                                                                                    SIA (47)
                                                                                                                                                   PART (38)
                                                                                                                                                    CND (48)
                                                                                                                                                                   RJCT (39)
                                                                                                                                                                   CWD (49)

 Debtor Side                                  Creditor Side                                                       Internal (64)   External (65)    ISR (40/41)
                                                                                                                  DD Core (44)    DD B2B (45)     SDD Core (42)   SDD B2B (43)

                                                                                                    camt.053
                                                                                                    One reference per  to one camt.054 in 

                                                                                                        …
                                    Match camt.053 with reference
                                    to camt.054 with pain.001

                                                                     camt.054

                                                                                 camt.053
                         camt.053
   pain.002
              camt.054
   pain.001

                                                                                                        …
                                    pacs.008              pacs.008
                                                                                                    camt.054
                                                                                                    One reference per file to one camt.053 in 

To be considered
   New file format camt.053.001.04 instead of MT940
   Details can be “outsourced” to camt.054.001.04

Source: Credit Suisse ISO 20022 Test Platform

                               Best Practice Guide                              (content subject to change)                                          September 2018      49/78
ISR (10)           IS (11)         QR (15)

Matching References                                                                             Domestic (12)
                                                                                                 Salary (20)
                                                                                                                   SEPA (13)
                                                                                                                      Type
                                                                                                                                    ROW (14)
                                                                                                                                     Chapter

camt.05x                                                                                         ACCP (35)
                                                                                                  NOA (46)
                                                                                                                  ACWC (37)
                                                                                                                    SIA (47)
                                                                                                                                   PART (38)
                                                                                                                                    CND (48)
                                                                                                                                                   RJCT (39)
                                                                                                                                                   CWD (49)

Debtor Side                 Creditor Side                                                       Internal (64)     External (65)    ISR (40/41)
                                                                                                DD Core (44)      DD B2B (45)     SDD Core (42)   SDD B2B (43)

     Recommended for reconciliation
     Recommended for reconciliation if used
     Also included in camt.053

pain.001                           camt.052/camt.053/camt.054

                                   Point to point IDs                                                           End to end ID

                                   Identify the         Identify the                                  Identify the
                                   pain.001’s A-Level   pain.001’s B-Level                        pain.001’s C-Level

Batch         CND/                 MsgId                PmtInfId
booking       NOA                                                         3
= true
              CWD                  MsgId                PmtInfId                   InstrId                      EndToEndId
                                                                          3

Batch         NOA                  Amount, name…
booking                                                                   4
= false
              SIA                  MsgId                PmtInfId                   InstrId                      EndToEndId
                                                                                   (optional)        2          (mandatory)            1

             Best Practice Guide                           (content subject to change)                                               September 2018      50/78
ISR (10)         IS (11)         QR (15)

Matching References                                                                                 Domestic (12)
                                                                                                     Salary (20)
                                                                                                                      SEPA (13)
                                                                                                                         Type
                                                                                                                                       ROW (14)
                                                                                                                                        Chapter

X-Format                                                                                             ACCP (35)
                                                                                                      NOA (46)
                                                                                                                      ACWC (37)
                                                                                                                       SIA (47)
                                                                                                                                      PART (38)
                                                                                                                                       CND (48)
                                                                                                                                                        RJCT (39)
                                                                                                                                                        CWD (49)

 Debtor Side                    Creditor Side                                                        Internal (64)   External (65)    ISR (40/41)
                                                                                                    DD Core (44)     DD B2B (45)     SDD Core (42)     SDD B2B (43)

What Relationship Do References from Different Formats Have to Each Other?
During a transitional period, companies will use both ISO 20022 and old formats.
The assignment of references between the formats takes place as follows:
Type of            For (Level)           Payment Order                                          Statement/Advice
Reference                                pain.001          MT101       DTA                      camt.05x       MT940                                Paper/PDF
Point-to-Point     File (A)              MsgId             :20:        File name                MsgId          -                                    -
(P2P)              Instruction (B)       PmtInfId          :21R:       -                        PmtInfId       :61: subtag 7 or 9*                  -
                   Transaction (C)       InstrId           -           Output sequence #        InstrId        :86: trigger tag ?21                 -
End-to-End         End-to-End-Info       EndToEndId        :21:        -                        EndToEndId           :86: trigger tag ?22**         EndToEndId
(E2E)              Remittance-Info       RmtInf            :70:        70:                      RmtInf               :86: trigger tag ?60           RmtInf
 * If ≤ 16 characters, then Subtag 7, otherwise Subtag 9 ** If no InstrId available in payment order, then also in field :61: Subtag 7 or 9

Remarks about MT101                                    Remarks about MT940                                 Remarks about Paper/PDF
:20:   Sender Reference                                :61:   Details of the Transaction                   RmtInf/EndToEndId with single booking.
:21R:  Customer Specified Reference                    :86:   Info to Account Holder
:21:   Transaction Reference                            ?21   Your Reference
:70:   Remittance Information                           ?22   Client Reference
                                                        ?60   Reason for payment
                                                       PmtInfId with batch booking
                                                       InstrId/EndToEndId/RmtInf with single booking

                 Best Practice Guide                              (content subject to change)                                           September 2018        51/78
ISR (10)        IS (11)         QR (15)

Match camt.054 with ISR/QR-bill                                                                                         Domestic (12)
                                                                                                                          Salary (20)
                                                                                                                                          SEPA (13)
                                                                                                                                             Type
                                                                                                                                                           ROW (14)
                                                                                                                                                            Chapter

Use Cases 40/41                                                                                                           ACCP (35)
                                                                                                                           NOA (46)
                                                                                                                                          ACWC (37)
                                                                                                                                           SIA (47)
                                                                                                                                                          PART (38)
                                                                                                                                                           CND (48)
                                                                                                                                                                          RJCT (39)
                                                                                                                                                                          CWD (49)

 Debtor Side                                 Creditor Side                                                               Internal (64)   External (65)    ISR (40/41)
                                                                                                                        DD Core (44)     DD B2B (45)     SDD Core (42)   SDD B2B (43)

                                                                                                      Reconciliation Data
                                      Payments Slip or QR-bill                                                                   ISR     
                                                                                                                         12345
                                                                                                                                         12345
                                                                                                                                         
                                            Match camt.054 ISR/QR
                                         with Payment Slip / QR-bill
                                                                                                                                 IS      Amount, address data etc.

                                                                       camt.054

                                                                                   camt.053
                        camt.053
  pain.002
             camt.054
  pain.001

                                                                                                                                 QR-bill 
                                                                                                                                         12345
                                                                                                                                         
                                   pacs.008                pacs.008                                             Layout example

To be considered
   Solution for collective booking of ISR credits (standard case, recommended)
   New file format camt.054 instead of V11
   Recommendation: switch from V11 to camt.054 when changing to QR-bill

                              Best Practice Guide                                 (content subject to change)                                               September 2018      52/78
ISR (10)        IS (11)         QR (15)

Match camt.053 with ISR/QR-bill                                                                                         Domestic (12)
                                                                                                                          Salary (20)
                                                                                                                                          SEPA (13)
                                                                                                                                             Type
                                                                                                                                                           ROW (14)
                                                                                                                                                            Chapter

Use Cases 40/41                                                                                                           ACCP (35)
                                                                                                                           NOA (46)
                                                                                                                                          ACWC (37)
                                                                                                                                           SIA (47)
                                                                                                                                                          PART (38)
                                                                                                                                                           CND (48)
                                                                                                                                                                          RJCT (39)
                                                                                                                                                                          CWD (49)

 Debtor Side                                 Creditor Side                                                               Internal (64)   External (65)    ISR (40/41)
                                                                                                                        DD Core (44)     DD B2B (45)     SDD Core (42)   SDD B2B (43)

                                                                                                      Reconciliation Data
                                      Payments Slip or QR-bill                                                                   ISR     
                                                                                                                         12345
                                                                                                                                         12345
                                                                                                                                         
                                                  Match camt.053
                                         with Payment Slip / QR-bill
                                                                                                                                 IS      Amount, address data etc.

                                                                       camt.054

                                                                                   camt.053
                        camt.053
  pain.002
             camt.054
  pain.001

                                                                                                                                 QR-bill 
                                                                                                                                         12345
                                                                                                                                         
                                   pacs.008                pacs.008                                             Layout example

To be considered
   Solution for single booking of ISR/QR-bill credits

                              Best Practice Guide                                 (content subject to change)                                               September 2018      53/78
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