# Acme CIMB Singapore (H2H) Payments (/guides/cimb-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 [#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 [#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 [#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](https://www.abs.org.sg/docs/library/mnemonic_purpose_codes.pdf). | 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: ```json { "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 [#giro] * Currency must be `SGD`. * A 4-character purpose code is required. Refer to the [ABS Singapore purpose code list](https://www.abs.org.sg/docs/library/mnemonic_purpose_codes.pdf). | 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: ```json { "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 [#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: ```json { "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 [#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: ```json { "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 [#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: ```json { "type": "BKTR", "paymentDate": "2024-06-15", "senderAccountId": "intacc_XXXXXXXXXXXXX", "currency": "SGD", "payments": [ { "amount": 100000, "customerReference": "INVBKTR001", "receiver": { "name": "Internal Treasury Account", "bankAccountNumber": "1234567890" } } ] } ```