Page last modified 10:58, 12 Sep 2012 by Antero

AOS2

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    Version as of 08:38, 27 Jun 2022

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    AOS2 is an extension to EPC's rules regarding the usage of Remittance Information, increasing the maximum number of Strd elements from 1 to 9 and the allowed size of the element from 140 to 280. However, only Finnish banks are able to accept AOS2 structured messages.

    Without AOS2, due to Strd's size restriction, transaction block has room to transfer only reference number. With AOS2, it's possible to send multiple invoices and credit notes along with the reference number.

    FK has a set of rules regarding correct usage of AOS2. These rules are listed here.

     

     

     

     

     

     

     

    These examples are for pain.001.001.02. The rules also apply for pain.001.001.03 but the element names and structure differ from CTv02.

    Credit Invoice:

    aos2_cinv.PNG

    Cd................filled with CINV
    RfrdDocNb......filled with invoice number
    RmtdAmt.......filled with the remitted amount.

    And the reference number:

    aos2_ref.PNG

    Cd................filled with SCOR
    CdtrRef.........filled with the reference number
    Issr..............filled with ISO, if RF Creditor Reference is used. Not filled if finnish reference is used

    in OP-Pohjola, the value CINV is not mandatory but recommended. OP-Pohjola knows that Creditor Invoice is used when RmtdAmt is used. 

    Using all this information correctly leaves us with the following example of Strd-block:

    <Strd> 
   <RfrdDocInf> 
     <RfrdDocTp> 
       <Cd>CINV</Cd> 
     </RfrdDocTp> 
   <RfrdDocNb>Inv 12345</RfrdDocNb> 
   </RfrdDocInf> 
   <RfrdDocAmt> 
      <RmtdAmt Ccy="EUR">400</RmtdAmt>
   </RfrdDocAmt> 
   <CdtrRefInf> 
      <CdtrRefTp> 
         <Cd>SCOR</Cd> 
      </CdtrRefTp> 
      <CdtrRef>00000000000000000013</CdtrRef> 
   </CdtrRefInf> 
</Strd>
     
     
    Credit Note
    Credit notes use almost the same structure, but amount is given in element CdtNoteAmt instead of RmtdAmt and CREN is given instead of CINV in Cd:
    aos2_cren.PNG
    Cd................filled with CREN
    RfrdDocNb......filled with invoice number
    CdtNoteAmt... filled with credit note amount.
     
    The value CREN again is not mandatory, but recommended. OP-pohjola accepts messages with CdtNoteAmt given without RfrdDocTp/Cd.
     
    Reference number is given as in CINV payment. Example of valid credit note:
    <Strd>
  <RfrdDocInf>
    <RfrdDocTp>
      <Cd>CREN</Cd>
    </RfrdDocTp> 
    <RfrdDocNb>Inv 12359</RfrdDocNb> 
  </RfrdDocInf> 
  <RfrdDocAmt>
    <CdtNoteAmt Ccy="EUR">700.00</CdtNoteAmt>
  </RfrdDocAmt>
  <CdtrRefInf> 
    <CdtrRefTp>
      <Cd>SCOR</Cd>
    </CdtrRefTp>
    <CdtrRef>00000000000000001245</CdtrRef>
  </CdtrRefInf>
</Strd>

     

    In addition, there are certain rules regarding AOS2. These rules are set by Finannsialan Keskusliitto:

    1. Maximum of 280 characters allowed in Strd.
    2. Maximum of 9 occurrences is allowed (transfers inside OP-Pohjola override this rule to max 999).
    3. Either invoice or credit note used inside one Strd element, not both.
    4. One invoice payment is never done with AOS2 but instead as normal SEPA credit transfer.
    5. There has to be at least one credit note bundled with invoice inside one RmtInf.
    6. The sum of invoices has to exceed the sum of credit notes.

     

    In other words, AOS2 has to always have at least two occurrences, one CINV and one CREN, and sum amount of CINVs has to be greater than the sum amount of CRENs.

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