Acme CIMB Singapore (H2H) Payments

This describes validations / allowed data formats for Acme batch payments going through CIMB H2H (Host-to-Host) 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

• Alphanumeric: A-Z, a-z, 0-9

• BIC11: 11-character alphanumeric bank identifier

General Notes

• paymentDate is required and cannot be earlier than the current date in Asia/Singapore timezone.
• Each batch must contain between 1 and 1,000 payments.
• paymentAdviceEmails is optional for all payment types; maximum 1 email address and maximum 100 characters.
• paymentDetails (remittance information) is supported for TT and MEPS only.

FAST

• Currency must be SGD.
• FAST payment amount must not exceed 200,000 SGD.
• A 4-character purpose code is required. Refer to the ABS Singapore purpose code list.

field	pattern / charset	max length	mandatory/optional
currency	SGD	-	M
paymentDate	current/future date	-	M
amount	numeric, min 1, max 20,000,000	-	M
customerReference	Alphanumeric	35	O * Acme auto-generate if not provided
purposeCode	Alphanumeric	4	M
paymentAdviceEmails	email	1 email, 100 chars	O
receiver.name	SWIFT	140	M
receiver.bank	Alphanumeric (BIC/SWIFT code)	11	M
receiver.bankAccountNumber	Alphanumeric	34	M
receiver.address.line1	SWIFT	70	O
receiver.address.city	SWIFT	35	O
receiver.address.postalCode	SWIFT	16	O
receiver.address.country	ISO alpha-2	2	O

Example payload:

{
  "type": "FAST",
  "paymentDate": "2026-04-15",
  "senderAccountId": "intacc_XXXXXXXXXXXXX",
  "currency": "SGD",
  "payments": [
    {
      "amount": 500000,
      "customerReference": "INVFAST001",
      "purposeCode": "OTHR",
      "paymentAdviceEmails": ["ops@example.com"],
      "receiver": {
        "name": "Acme Technology Pte Ltd",
        "bank": "DBSSSGSGXXX",
        "bankAccountNumber": "0123456789"
      }
    }
  ]
}

GIRO

• Currency must be SGD.
• A 4-character purpose code is required. Refer to the ABS Singapore purpose code list.

field	pattern / charset	max length	mandatory/optional
currency	SGD	-	M
paymentDate	current/future date	-	M
amount	numeric, min 1	-	M
customerReference	Alphanumeric	35	O * Acme auto-generate if not provided
purposeCode	Alphanumeric	4	M
paymentAdviceEmails	email	1 email, 100 chars	O
receiver.name	SWIFT	140	M
receiver.bank	Alphanumeric (BIC11)	11	M
receiver.bankAccountNumber	Alphanumeric	34	M

Example payload:

{
  "type": "GIRO",
  "paymentDate": "2026-04-15",
  "senderAccountId": "intacc_XXXXXXXXXXXXX",
  "currency": "SGD",
  "payments": [
    {
      "amount": 250000,
      "customerReference": "INVGIRO001",
      "purposeCode": "SALA",
      "receiver": {
        "name": "Jane Doe",
        "bank": "UOVBSGSGXXX",
        "bankAccountNumber": "9876543210"
      }
    }
  ]
}

MEPS

• Currency must be SGD.
• bankChargeBearer is required.
• paymentDetails (remittance information) is supported; maximum 140 characters.

field	pattern / charset	max length	mandatory/optional
currency	SGD	-	M
paymentDate	current/future date	-	M
amount	numeric, min 1	-	M
customerReference	Alphanumeric	35	O * Acme auto-generate if not provided
paymentDetails	SWIFT	140	O
bankChargeBearer	SENDER, RECEIVER, SHARED	-	M
paymentAdviceEmails	email	1 email, 100 chars	O
receiver.name	SWIFT	140	M
receiver.bank	Alphanumeric (BIC11)	11	M
receiver.bankAccountNumber	Alphanumeric	34	M
receiver.address.line1	SWIFT	70	O
receiver.address.line2	SWIFT	70	O
receiver.address.city	SWIFT	35	O
receiver.address.postalCode	SWIFT	16	O
receiver.address.country	ISO alpha-2	2	O

Example payload:

{
  "type": "MEPS",
  "paymentDate": "2026-04-15",
  "senderAccountId": "intacc_XXXXXXXXXXXXX",
  "currency": "SGD",
  "payments": [
    {
      "amount": 5000000,
      "customerReference": "INVMEPS001",
      "paymentDetails": "Payment for Invoice INV-2024-001",
      "bankChargeBearer": "SENDER",
      "paymentAdviceEmails": ["ops@example.com"],
      "receiver": {
        "name": "Global Supplies Pte Ltd",
        "bank": "OCBCSGSGXXX",
        "bankAccountNumber": "5432109876"
      }
    }
  ]
}

TT

• Currency accepts any valid ISO currency code.
• bankChargeBearer is required.
• receiver.address is required; receiver.address.line1 and receiver.address.country are mandatory within it.
• paymentDetails (remittance information) is supported; maximum 140 characters.

field	pattern / charset	max length	mandatory/optional
currency	valid ISO currency code	-	M
paymentDate	current/future date	-	M
amount	numeric, min 1	-	M
customerReference	Alphanumeric	35	O * Acme auto-generate if not provided
paymentDetails	SWIFT	140	O
bankChargeBearer	SENDER, RECEIVER, SHARED	-	M
paymentAdviceEmails	email	1 email, 100 chars	O
receiver.name	SWIFT	140	M
receiver.bank	Alphanumeric (BIC11)	11	M
receiver.bankAccountNumber	Alphanumeric	34	M
receiver.iban	^[A-Z]{2}[0-9]{2}[A-Z0-9]{10,30}$	34	O
receiver.localRoutingIdentifier	Alphanumeric	35	O
receiver.address	object	-	M
receiver.address.line1	SWIFT	70	M
receiver.address.line2	SWIFT	70	O
receiver.address.city	SWIFT	35	O
receiver.address.postalCode	SWIFT	16	O
receiver.address.country	ISO alpha-2	2	M
intermediaryBank	Alphanumeric	8–11	O

Example payload:

{
  "type": "TT",
  "paymentDate": "2026-04-15",
  "senderAccountId": "intacc_XXXXXXXXXXXXX",
  "currency": "USD",
  "payments": [
    {
      "amount": 1000000,
      "customerReference": "INVTT001",
      "paymentDetails": "Payment for Invoice INV-2024-002",
      "bankChargeBearer": "SHARED",
      "paymentAdviceEmails": ["ops@example.com"],
      "receiver": {
        "name": "Overseas Partner Corp",
        "bank": "CHASUS33XXX",
        "bankAccountNumber": "000123456789",
        "address": {
          "line1": "270 Park Avenue",
          "line2": "Floor 12",
          "city": "New York",
          "postalCode": "10017",
          "country": "US"
        }
      }
    }
  ]
}

BKTR

• Use BKTR for in-house book transfers within CIMB SG.
• Currency accepts any valid ISO currency code.

field	pattern / charset	max length	mandatory/optional
currency	valid ISO currency code	-	M
paymentDate	current/future date	-	M
amount	numeric, min 1	-	M
customerReference	Alphanumeric	35	O * Acme auto-generate if not provided
paymentAdviceEmails	email	1 email, 100 chars	O
receiver.name	SWIFT	140	M
receiver.bank	Alphanumeric (BIC11)	-	O
receiver.bankAccountNumber	Alphanumeric	34	M

Example payload:

{
  "type": "BKTR",
  "paymentDate": "2024-06-15",
  "senderAccountId": "intacc_XXXXXXXXXXXXX",
  "currency": "SGD",
  "payments": [
    {
      "amount": 100000,
      "customerReference": "INVBKTR001",
      "receiver": {
        "name": "Internal Treasury Account",
        "bankAccountNumber": "1234567890"
      }
    }
  ]
}