CdtrSchmeId
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Rules regarding CdtrSchmeId are:
- It is recommended that all transactions within the same “Payment Information” block have the same “Creditor Scheme Identification”.
- This data element must be present at either “Payment Information” or “Direct Debit Transaction” level.
- Identification must be used with an Identifier of the Creditor (AT-02).
- ‘Scheme Name’ under ‘Other’ must specify “SEPA” under ‘proprietary’.
Identifier of the Creditor (AT-02): Positions [1 , 2] must specify country code, [3, 4] check digits, [5 to 7]: Creditor business codeand [8 up to 35]: country specific identifier.
Below is an example of valid CdtrSchmeId usage:
<CdtrSchmeId><Id><PrvtId><Othr><Id>NL64ZZZ321096320000</Id><SchmeNm><Prtry>SEPA</Prtry></SchmeNm></Othr></PrvtId></Id></CdtrSchmeId>