Acme CIMB Singapore Payments (API)

This describes validations / allowed data formats for Acme payments going through CIMB API integration. These will be validated by Acme and further validated by the bank. These rules may be stricter than what the bank requires.

Common Definitions

• SWIFT Character Set:

  • The 26 uppercase Latin letters A-Z
  • The 26 lowercase Latin letters a-z
  • The 10 digits 0-9
  • Forward slash /
  • Hyphen -
  • Question mark ?
  • Colon :
  • Left and right parentheses ( )
  • Full stop .
  • Comma ,
  • Single quote '
  • Plus sign +
  • Space

• BIC11:

  • 11-character Bank Identifier Code

General notes

• The format for BIC (used in receiver.bank) is strictly validated using [A-Z]{6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3})? (as specified in ISO20022 BICFIIdentifier).

FAST

• customerReference must be uniquely defined to serve as the end-to-end identifier.
• 4 letter purpose code is required for SG FAST payment. Refer to this list from ABS Singapore for the list of official purpose codes supported.

field	pattern / charset	max length	mandatory/optional
customerReference	SWIFT	35	O * Acme auto-generate if not provided
paymentDetails	SWIFT	140	O
purposeCode	^[A-Za-z0-9]4$	4	M
receiver.name	SWIFT	35	M
receiver.bank	Alphanumeric (BIC/SWIFT code)	11	M
receiver.bankAccountNumber	Alphanumeric	34	M

Example payload:

{
  "senderAccountId": "intacc_XXXXXXXXXXXXX",
  "type": "FAST",
  "amount": 100,
  "currency": "SGD",
  "receiver": {
    "bankAccountNumber": "0123456789",
    "name": "Acme Technology Pte. Ltd.",
    "bank": "DBSSSGSGXXX"
  },
  "purposeCode": "OTHR",
  "paymentDetails": "FAST xfer to DBS for INV001",
  "customerReference": "0FR4123968T"
}

BKTR

• Use BKTR type for In-house Book Transfer within CIMB SG.

field	pattern / charset	max length	mandatory/optional
customerReference	SWIFT	19	O * Acme auto-generate if not provided
receiver.bankAccountNumber	Alphanumeric	34	M

Example payload:

{
  "senderAccountId": "intacc_XXXXXXXXXXXXX",
  "type": "BKTR",
  "amount": 100,
  "currency": "SGD",
  "receiver": {
    "bankAccountNumber": "1234567890"
  },
  "paymentDetails": "In House Transfer for INV002",
  "customerReference": "0SR5123967T"
}

TT

• bankChargeBearer is required.
• paymentAdviceEmails accepts at most 1 email.
• purposeCode is optional. Provide a 1 to 4 character ISO 20022 ExternalPurpose code that describes the nature of the transaction. See the supported purpose codes below.

field	pattern / charset	max length	mandatory/optional
bankChargeBearer	SENDER, RECEIVER, SHARED	-	M
customerReference	SWIFT	35	O * Acme auto-generate if not provided
paymentDetails	SWIFT	140	O
purposeCode	^[A-Za-z0-9]{1,4}$ (ISO 20022 ExternalPurpose code) Example: SALA, GDDS	4	O
paymentAdviceEmails	email	1 email, 100 chars	O
receiver.name	SWIFT	100	M
receiver.bank	Alphanumeric (BIC/SWIFT code, 8 or 11 chars)	11	M
receiver.bankAccountNumber	Alphanumeric	40	M
receiver.address.line1	SWIFT	35	M
receiver.address.line2	SWIFT	35	O
receiver.address.city	SWIFT	35	O
receiver.address.state	SWIFT	35	O
receiver.address.postalCode	SWIFT	35	O
receiver.address.country	SWIFT	35	O

Example payload:

{
  "senderAccountId": "intacc_XXXXXXXXXXXXX",
  "type": "TT",
  "amount": 100000,
  "currency": "USD",
  "receiver": {
    "bankAccountNumber": "000123456789",
    "name": "Overseas Partner Corp",
    "bank": "CHASUS33XXX",
    "address": {
      "line1": "270 Park Avenue",
      "line2": "New York NY 10017",
      "city": "New York",
      "state": "NY",
      "postalCode": "10017",
      "country": "US"
    }
  },
  "bankChargeBearer": "SHARED",
  "paymentAdviceEmails": ["ops@example.com"],
  "purposeCode": "GDDS",
  "customerReference": "0TT4123968T"
}

Supported purpose codes

The following ISO 20022 ExternalPurpose codes are supported for the purposeCode field.

View the full list of supported purpose codes

code	description
ACCT	Account Management
ADCS	Advisory Donation Copyright Services
ADMG	Administrative Management
ADVA	Advance Payment
AEMP	Active Employment Policy
AGRT	Agricultural Transfer
AIRB	Air
ALLW	Allowance
ALMY	Alimony Payment
AMEX	Amex
ANNI	Annuity
ANTS	Anesthesia Services
AREN	Accounts Receivables Entry
AUCO	Authenticated Collections
B112	Trailer Fee Payment
BBSC	Baby Bonus Scheme
BCDM	Bearer Cheque Domestic
BCFG	Bearer Cheque Foreign
BECH	Child Benefit
BENE	Unemployment Disability Benefit
BEXP	Business Expenses
BFWD	Bond Forward
BKDF	Bank Loan Delayed Draw Funding
BKFE	Bank Loan Fees
BKFM	Bank Loan Funding Memo
BKIP	Bank Loan Accrued Interest Payment
BKPP	Bank Loan Principal Paydown
BLDM	Building Maintenance
BNET	Bond Forward Netting
BOCE	Back Office Conversion Entry
BOND	Bonds
BONU	Bonus Payment
BR12	Trailer Fee Rebate
BUSB	Bus
CABD	Corporate Actions Bonds
CAEQ	Corporate Actions Equities
CAFI	Custodian Management Fee Inhouse
CASH	Cash Management Transfer
CBCR	Credit Card
CBFF	Capital Building
CBFR	Capital Building Retirement
CBLK	Card Bulk Clearing
CBTV	Cable TV Bill
CCHD	Cash Compensation Helplessness Disability
CCIR	Cross Currency IRS
CCPC	CCP Cleared Initial Margin
CCPM	CCP Cleared Variation Margin
CCRD	CreditCardPayment
CCSM	CCP Cleared Initial Margin Segregated Cash
CDBL	Credit Card Bill
CDCB	Card Payment With Cash Back
CDCD	Cash Disbursement Cash Settlement
CDCS	Cash Disbursement With Surcharging
CDDP	Card Deferred Payment
CDEP	Credit Default Event Payment
CDOC	Original Credit
CDQC	Quasi Cash
CFDI	Capital Falling Due Inhouse
CFEE	Cancellation Fee
CGDD	Card Generated Direct Debit
CHAR	Charity Payment
CLPR	Car Loan Principal Repayment
CMDT	Commodity Transfer
COLL	Collection Payment
COMC	Commercial Payment
COMM	Commission
COMP	Compensation Payment
COMT	Consumer Third Party Consolidated Payment
CORT	Trade Settlement Payment
COST	Costs
CPEN	Cash Penalties
CPKC	Carpark Charges
CPYR	Copyright
CRDS	CreditDefaultSwap
CRPR	Cross Product
CRSP	Credit Support
CRTL	Credit Line
CSDB	Cash Disbursement Cash Management
CSLP	Company Social Loan Payment To Bank
CVCF	Convalescent Care Facility
DBCR	Debit Card
DBTC	Debit Collection Payment
DCRD	Debit Card Payment
DEPD	Dependent Support Payment
DEPT	Deposit
DERI	Derivatives
DICL	Diners
DIVD	Dividend
DMEQ	Durable Medicale Equipment
DNTS	Dental Services
DSMT	Printed Order Disbursement
DVPM	Deliver Against Payment
ECPG	Guaranteed EPayment
ECPR	EPayment Return
ECPU	Non Guaranteed EPayment
EDUC	Education
EFTC	Low Value Credit
EFTD	Low Value Debit
ELEC	Electricity Bill
ENRG	Energies
EPAY	Epayment
EQPT	EquityOption
EQTS	Equities
EQUS	Equity Swap
ESTX	Estate Tax
ETUP	EPurse Top Up
EXPT	Exotic Option
EXTD	Exchange Traded Derivatives
FACT	Factor Update Related Payment
FAND	Financial Aid In Case Of Natural Disaster
FCOL	Fee Collection
FCPM	Late Payment Of Fees And Charges
FEES	Payment Of Fees
FERB	Ferry
FIXI	Fixed Income
FLCR	Fleet Card
FNET	Futures Netting Payment
FORW	Forward Foreign Exchange
FREX	Foreign Exchange
FUTR	Futures
FWBC	Forward Broker Owned Cash Collateral
FWCC	Forward Client Owned Cash Collateral
FWLV	Foreign Worker Levy
FWSB	Forward Broker Owned Cash Collateral Segregated
FWSC	Forward Client Owned Segregated Cash Collateral
FXNT	Foreign Exchange Related Netting
GAFA	Government Family Allowance
GAHO	Government Housing Allowance
GAMB	Gambling Or Wagering Payment
GASB	Gas Bill
GDDS	Purchase Sale Of Goods
GDSV	Purchase Sale Of Goods And Services
GFRP	Guarantee Fund Rights Payment
GIFT	Gift
GOVI	Government Insurance
GOVT	Government Payment
GSCB	Purchase Sale Of Goods And Services With Cash Back
GSTX	Goods Services Tax
GVEA	Austrian Government Employees Category A
GVEB	Austrian Government Employees Category B
GVEC	Austrian Government Employees Category C
GVED	Austrian Government Employees Category D
GWLT	Goverment War Legislation Transfer
HEDG	Hedging
HLRP	Property Loan Repayment
HLST	Property Loan Settlement
HLTC	Home Health Care
HLTI	Health Insurance
HREC	Housing Related Contribution
HSPC	HospitalCare
HSTX	Housing Tax
ICCP	Irrevocable Credit Card Payment
ICRF	Intermediate Care Facility
IDCP	Irrevocable Debit Card Payment
IHRP	Instalment Hire Purchase Agreement
INPC	Insurance Premium Car
INPR	Insurance Premium Refund
INSC	Payment Of Insurance Claim
INSM	Installment
INSU	Insurance Premium
INTC	Intra Company Payment
INTE	Interest
INTP	Intra Party Payment
INTX	Income Tax
INVS	Investment And Securities
IPAY	Instant Payments
IPCA	Instant Payments Cancellation
IPDO	Instant Payments For Donations
IPEA	Instant Payments In ECommerce Without Address Data
IPEC	Instant Payments In ECommerce With Address Data
IPEW	Instant Payments In ECommerce
IPPS	Instant Payments At POS
IPRT	Instant Payments Return
IPU2	Instant Payments Unattended Vending Machine With 2FA
IPUW	Instant Payments Unattended Vending Machine Without 2FA
IVPT	Invoice Payment
LBIN	Lending Buy In Netting
LBRI	Labor Insurance
LCOL	Lending Cash Collateral Free Movement
LFEE	Lending Fees
LICF	License Fee
LIFI	Life Insurance
LIMA	Liquidity Management
LMEQ	Lending Equity Marked To Market Cash Collateral
LMFI	Lending Fixed Income Marked To Market Cash Collateral
LMRK	Lending Unspecified Type Of Marked To Market Cash Collateral
LOAN	Loan
LOAR	Loan Repayment
LOTT	Lottery Payment
LREB	Lending Rebate Payments
LREV	Lending Revenue Payments
LSFL	Lending Claim Payment
LTCF	Long Term Care Facility
MAFC	Medical Aid Fund Contribution
MARF	Medical Aid Refund
MARG	DailyMarginOnListedDerivatives
MBSB	MBS Broker Owned Cash Collateral
MBSC	MBS Client Owned Cash Collateral
MCDM	Multi Curreny Cheque Domestic
MCFG	Multi Curreny Cheque Foreign
MDCS	Medical Services
MGCC	Futures Initial Margin
MGSC	Futures Initial Margin Client Owned Segregated Cash Collateral
MOMA	Money Market
MP2B	Mobile P2B Payment
MP2P	Mobile P2P Payment
MSVC	Multiple Service Types
MTUP	MobileTopUp
NETT	Netting
NITX	Net Income Tax
NOWS	Not Otherwise Specified
NWCH	Network Charge
NWCM	Network Communication
OCCC	Client Owned OCC Pledged Collateral
OCDM	Order Cheque Domestic
OCFG	Order ChequeF oreign
OFEE	Opening Fee
OPBC	OTC Option Broker Owned Cash Collateral
OPCC	OTC Option Client Owned Cash Collateral
OPSB	OTC Option Broker Owned Segregated Cash Collateral
OPSC	OTC Option Client Owned Cash Segregated Cash Collateral
OPTN	FX Option
OTCD	OTC Derivatives
OTHR	Other
OTLC	Other Telecom Related Bill
PADD	PreauthorizedDebit
PAYR	Payroll
PCOM	Property Completion Payment
PDEP	Property Deposit
PEFC	Pension Fund Contribution
PENO	Payment Based On Enforcement Order
PENS	Pension Payment
PHON	Telephone Bill
PLDS	Property Loan Disbursement
PLRF	Property Loan Refinancing
POPE	Point Of Purchase Entry
PPTI	Property Insurance
PRCP	Price Payment
PRME	Precious Metal
PTSP	Payment Terms
PTXP	Property Tax
RAPI	Rapid Payment Instruction
RCKE	Represented Check Entry
RCPT	Receipt Payment
RDTX	Road Tax
REBT	Rebate
REFU	Refund
RELG	Rental Lease General
RENT	Rent
REOD	Account Overdraft Repayment
REPO	Repurchase Agreement
RETL	Retail Payment
RHBS	Rehabilitation Support
RIMB	Reimbursement Of A Previous Erroneous Transaction
RINP	Recurring Installment Payment
RLWY	Railway
ROYA	Royalties
RPBC	Bilateral Repo Broker Owned Collateral
RPCC	Repo Client Owned Collateral
RPNT	Bilateral Repo Internet Netting
RPSB	Bilateral Repo Broker Owned Segregated Cash Collateral
RPSC	Bilateral Repo Client Owned Segregated Cash Collateral
RRBN	Round Robin
RRCT	Reimbursement Received Credit Transfer
RRTP	Related Request To Pay
RVPM	Receive Against Payment
RVPO	Reverse Repurchase Agreement
SALA	Salary Payment
SASW	ATM
SAVG	Savings
SBSC	Securities Buy Sell Sell Buy Back
SCIE	Single Currency IRS Exotic
SCIR	Single Currency IRS
SCRP	Securities Cross Products
SCVE	Purchase Sale Of Services
SECU	Securities
SEPI	Securities Purchase Inhouse
SERV	Service Charges
SHBC	Broker Owned Collateral Short Sale
SHCC	Client Owned Collateral Short Sale
SHSL	Short Sell
SLEB	Securities Lending And Borrowing
SLOA	Secured Loan
SLPI	Payment Slip Instruction
SPLT	Split Payments
SPSP	Salary Pension Sum Payment
SSBE	Social Security Benefit
STDY	Study
SUBS	Subscription
SUPP	Supplier Payment
SWBC	Swap Broker Owned Cash Collateral
SWCC	Swap Client Owned Cash Collateral
SWFP	Swap Contract Final Payment
SWPP	Swap Contract Partial Payment
SWPT	Swaption
SWRS	Swap Contract Reset Payment
SWSB	Swaps Broker Owned Segregated Cash Collateral
SWSC	Swaps Client Owned Segregated Cash Collateral
SWUF	Swap Contract Upfront Payment
TAXR	Tax Refund
TAXS	Tax Payment
TBAN	TBA Pair Off Netting
TBAS	To Be Announced
TBBC	TBA Broker Owned Cash Collateral
TBCC	TBA Client Owned Cash Collateral
TBIL	Telecommunications Bill
TCSC	Town Council Service Charges
TELI	Telephone Initiated Transaction
TLRF	Non US Mutual Fund Trailer Fee Payment
TLRR	Non US Mutual Fund Trailer Fee Rebate Payment
TMPG	TMPG Claim Payment
TPRI	Tri Party Repo Interest
TPRP	Tri Party Repo Netting
TRAD	Commercial
TRCP	Treasury Cross Product
TREA	Treasury Payment
TRFD	Trust Fund
TRNC	Truncated Payment Slip
TRPT	Road Pricing
TRVC	Traveller Cheque
UBIL	Utilities
UNIT	Unit Trust Purchase
VATX	Value Added Tax Payment
VIEW	VisionCare
WEBI	Internet Initiated Transaction
WHLD	With Holding
WTER	WaterBill