Bank payment rules
Acme Citibank Malaysia Payments
This describes validations / allowed data formats for Acme payments going through Citibank Malaysia. 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
- The 26 uppercase Latin letters
-
Citi restrictions:
- For SWIFT character set: do not start a field with any of the following characters:
/,-,:
- For SWIFT character set: do not start a field with any of the following characters:
MY_IBFT
Important
- Currency must be MYR only.
| field | pattern / charset | max length | mandatory/optional |
|---|---|---|---|
| payments[N].customerReference | SWIFT (uppercase only) | 15 | M |
| payments[N].paymentDetails | SWIFT | 140 | O |
| payments[N].receiver.residencyStatus | RESIDENT or NON_RESIDENT | M | |
| payments[N].receiver.name | SWIFT | 70 | M |
| payments[N].receiver.bank | Alphanumeric | 11 | M |
| payments[N].receiver.bankAccountNumber | Alphanumeric | 34 | M |
| payments[N].receiver.address.line1 | SWIFT | 35 | O |
| payments[N].receiver.address.line2 | SWIFT | 35 | O |
| payments[N].receiver.address.city | SWIFT | 35 | O |
| payments[N].receiver.address.state | SWIFT | 35 | O |
| payments[N].receiver.address.postalCode | SWIFT | 16 | O |
| payments[N].receiver.address.country | ISO 3166-1 alpha-2 | 2 | O |
MY_IBG
Important
- Currency must be MYR only.
- Amount maximum 1,000,000 MYR.
| field | pattern / charset | max length | mandatory/optional |
|---|---|---|---|
| payments[N].customerReference | SWIFT (uppercase only) | 15 | M |
| payments[N].paymentDetails | SWIFT | 140 | O |
| payments[N].receiver.name | SWIFT | 70 | M |
| payments[N].receiver.bank | Alphanumeric | 11 | M |
| payments[N].receiver.bankAccountNumber | Alphanumeric | 34 | M |
| payments[N].receiver.address.line1 | SWIFT | 35 | O |
| payments[N].receiver.address.line2 | SWIFT | 35 | O |
| payments[N].receiver.address.city | SWIFT | 35 | O |
| payments[N].receiver.address.state | SWIFT | 35 | O |
| payments[N].receiver.address.postalCode | SWIFT | 16 | O |
| payments[N].receiver.address.country | ISO 3166-1 alpha-2 | 2 | O |
| payments[N].paymentAdviceEmails[N] | Valid email address Example: ["finance@company.com"] | 50 per email (max 1 email) | O |
MY_DUITNOW
Important
- Currency must be MYR only.
| field | pattern / charset | max length | mandatory/optional |
|---|---|---|---|
| payments[N].customerReference | SWIFT (uppercase only) | 15 | M |
| payments[N].paymentDetails | SWIFT | 140 | O |
| payments[N].receiver.name | SWIFT | 70 | M |
| payments[N].receiver.residencyStatus | RESIDENT or NON_RESIDENT | M | |
| payments[N].receiver.proxyType | MOBILE or BUSINESS_REG or PASSPORT or NRIC | M | |
| payments[N].receiver.proxyValue for PASSPORT | passport number followed by 3 letter ISO 3166-1 country code e.g. A12345678MYS for Malaysia passport A12345678 | 15 | M |
| payments[N].receiver.proxyValue for other types | SWIFT | 15 | M |
| payments[N].receiver.address.line1 | SWIFT | 35 | O |
| payments[N].receiver.address.line2 | SWIFT | 35 | O |
| payments[N].receiver.address.city | SWIFT | 35 | O |
| payments[N].receiver.address.state | SWIFT | 35 | O |
| payments[N].receiver.address.postalCode | SWIFT | 16 | O |
| payments[N].receiver.address.country | ISO 3166-1 alpha-2 | 2 | O |
MY_RENTAS
Important
- Currency must be MYR only.
- Amount minimum 10,000 MYR.
- Purpose code is required. Please contact the bank for the list.
| field | pattern / charset | max length | mandatory/optional |
|---|---|---|---|
| payments[N].customerReference | SWIFT (uppercase only) | 15 | M |
| payments[N].paymentDetails | SWIFT | 116 | O |
| payments[N].bankChargeBearer | SENDER or RECEIVER or SHARED | M | |
| payments[N].purposeCode | 5 digit purpose code | 5 | M |
| payments[N].receiver.residencyStatus | RESIDENT or NON_RESIDENT | M | |
| payments[N].receiver.name | SWIFT | 35 | M |
| payments[N].receiver.bank | Alphanumeric | 11 | M |
| payments[N].receiver.bankAccountNumber | Alphanumeric | 34 | M |
| payments[N].receiver.address.city | SWIFT | 30 | M |
| payments[N].receiver.address.country | ISO 3166-1 alpha-2 | 2 | M |
| payments[N].receiver.address.line1 | SWIFT | 35 | O |
| payments[N].receiver.address.line2 | SWIFT | 35 | O |
| payments[N].receiver.address.postalCode | SWIFT | 16 | O |
| payments[N].paymentAdviceEmails[N] | Valid email address Example: ["finance@company.com"] | 50 per email (max 1 email) | O |
TT
Important
- Purpose code is required. Please contact the bank for the list.
| field | pattern / charset | max length | mandatory/optional |
|---|---|---|---|
| payments[N].customerReference | SWIFT (uppercase only) | 15 | M |
| payments[N].paymentDetails | SWIFT | 140 | O |
| payments[N].bankChargeBearer | SENDER or RECEIVER or SHARED | M | |
| payments[N].purposeCode | 5 digit purpose code | 5 | M |
| payments[N].receiver.name | SWIFT | 35 | M |
| payments[N].receiver.bank | Alphanumeric (BIC/SWIFT code) | 11 | M |
| payments[N].receiver.bankAccountNumber | Alphanumeric + Dash | 34 | M |
| payments[N].receiver.address.city | SWIFT | 30 | M |
| payments[N].receiver.address.country | ISO 3166-1 alpha-2 | 2 | M |
| payments[N].receiver.address.line1 | SWIFT | 35 | O |
| payments[N].receiver.address.line2 | SWIFT | 35 | O |
| payments[N].receiver.address.postalCode | SWIFT | 16 | O |
| payments[N].paymentAdviceEmails[N] | Valid email address Example: ["finance@company.com"] | 50 per email (max 1 email) | O |
BKTR
| field | pattern / charset | max length | mandatory/optional |
|---|---|---|---|
| payments[N].customerReference | SWIFT (uppercase only) | 15 | M |
| payments[N].paymentDetails | SWIFT | 140 | O |
| payments[N].bankChargeBearer | SENDER or RECEIVER or SHARED | M | |
| payments[N].receiver.name | SWIFT | 35 | M |
| payments[N].receiver.bankAccountNumber | Alphanumeric | 34 | M |
| payments[N].receiver.address.city | SWIFT | 30 | M |
| payments[N].receiver.address.country | ISO 3166-1 alpha-2 | 2 | M |
| payments[N].receiver.address.line1 | SWIFT | 35 | O |
| payments[N].receiver.address.line2 | SWIFT | 35 | O |
| payments[N].receiver.address.postalCode | SWIFT | 16 | O |
| payments[N].paymentAdviceEmails[N] | Valid email address Example: ["finance@company.com"] | 50 per email (max 1 email) | O |
MY_JOMPAY
Important
- Currency must be MYR only.
- recipientRef2 allowed characters:
0-9,A-Z,a-z, Space, and special characters:? @ [ \ ] ^ _`\{ | \} ~
| field | pattern / charset | max length | mandatory/optional |
|---|---|---|---|
| payments[N].customerReference | SWIFT (uppercase only) | 15 | M |
| payments[N].paymentDetails | SWIFT | 140 | O |
| payments[N].receiver.name | SWIFT | 35 | O |
| payments[N].receiver.billerCode | Alphanumeric | 8 | M |
| payments[N].receiver.recipientRef1 | Alphanumeric | 20 | M |
| payments[N].receiver.recipientRef2 | Alphanumeric + special chars* | 30 | O |
| payments[N].receiver.address.city | SWIFT | 30 | M |
| payments[N].receiver.address.country | ISO 3166-1 alpha-2 | 2 | M |
| payments[N].receiver.address.line1 | SWIFT | 35 | O |
| payments[N].receiver.address.line2 | SWIFT | 35 | O |
| payments[N].receiver.address.postalCode | SWIFT | 16 | O |
Bank references
| Sent as | bankReference | bankReferences | Available from |
|---|---|---|---|
| A file | AcctSvcrRef, else ClrSysRef | AcctSvcrRef, ClrSysRef, StsId, as Citi sends them | Citi's status report on the payment |
MY_DUITNOW through Citi's API | null: Citi's API returns no reference of its own | UETR | Citi's answer to the request |
On your Citi statement: for payments sent as files, the line shows a different Citi reference. Find the payment by your customerReference.
What the names mean:
AcctSvcrRef: Citi's own reference for the transaction.ClrSysRef: the clearing system's reference.StsId: the id of Citi's status entry.UETR: the SWIFT tracking id.
A rejected payment keeps the references from the report that rejected it.
A completed payment sent as a file returns:
{
"bankReference": "01720322200000001",
"bankReferences": {
"AcctSvcrRef": "01720322200000001"
}
}