# Acme Citibank Malaysia Payments (/guides/citi-my-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 [#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 ` `

* Citi restrictions:
  * For SWIFT character set: do not start a field with any of the following characters: `/`, `-`, `:`

## MY\_IBFT [#my_ibft]

<Callout type="warn" title="Important">
  * Currency must be **MYR only**.
</Callout>

| 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           | SWIFT                        | 35 chars x 3 | O                  |

## MY\_IBG [#my_ibg]

<Callout type="warn" title="Important">
  * Currency must be **MYR only**.
  * Amount maximum 1,000,000 MYR.
</Callout>

| 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           | SWIFT                                                                                      | 35 chars x 3               | O                  |
| payments\[N].paymentAdviceEmails\[N]    | Valid email address <br /> Example: \["[finance@company.com](mailto:finance@company.com)"] | 50 per email (max 1 email) | O                  |

## MY\_DUITNOW [#my_duitnow]

<Callout type="warn" title="Important">
  * Currency must be **MYR only**.
</Callout>

| 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 <br />for PASSPORT    | passport number followed by [3 letter ISO 3166-1 country code](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-3)<br />e.g. `A12345678MYS` for Malaysia passport A12345678 | 15           | M                  |
| payments\[N].receiver.proxyValue <br />for other types | SWIFT                                                                                                                                                                     | 15           | M                  |
| payments\[N].receiver.address                          | SWIFT                                                                                                                                                                     | 35 chars x 3 | O                  |

## MY\_RENTAS [#my_rentas]

<Callout type="warn" title="Important">
  * Currency must be **MYR only**.
  * Amount minimum 10,000 MYR.
  * Purpose code is required. Please contact the bank for the list.
</Callout>

| 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`                                                         |                            | O                  |
| 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](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2)                     |                            | M                  |
| payments\[N].receiver.address.line1     | SWIFT                                                                                      | 35                         | O                  |
| payments\[N].receiver.address.line2     | SWIFT                                                                                      | 35                         | O                  |
| payments\[N].receiver.address.line3     | SWIFT                                                                                      | 35                         | O                  |
| payments\[N].paymentAdviceEmails\[N]    | Valid email address <br /> Example: \["[finance@company.com](mailto:finance@company.com)"] | 50 per email (max 1 email) | O                  |

## TT [#tt]

<Callout type="warn" title="Important">
  * Purpose code is required. Please contact the bank for the list.
</Callout>

| 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`                                                         |                            | O                  |
| 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](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2)                     |                            | M                  |
| payments\[N].receiver.address.line1     | SWIFT                                                                                      | 35                         | O                  |
| payments\[N].receiver.address.line2     | SWIFT                                                                                      | 35                         | O                  |
| payments\[N].receiver.address.line3     | SWIFT                                                                                      | 35                         | O                  |
| payments\[N].paymentAdviceEmails\[N]    | Valid email address <br /> Example: \["[finance@company.com](mailto:finance@company.com)"] | 50 per email (max 1 email) | O                  |

## BKTR [#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](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2)                     |                            | M                  |
| payments\[N].receiver.address.line1     | SWIFT                                                                                      | 35                         | O                  |
| payments\[N].receiver.address.line2     | SWIFT                                                                                      | 35                         | O                  |
| payments\[N].receiver.address.line3     | SWIFT                                                                                      | 35                         | O                  |
| payments\[N].paymentAdviceEmails\[N]    | Valid email address <br /> Example: \["[finance@company.com](mailto:finance@company.com)"] | 50 per email (max 1 email) | O                  |

## MY\_JOMPAY [#my_jompay]

<Callout type="warn" title="Important">
  * Currency must be **MYR only**.
  * recipientRef2 allowed characters: `0-9`, `A-Z`, `a-z`, Space, and special characters: `? @ [ \ ] ^ _` `` ` `` `\{ | \} ~`
</Callout>

| 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](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2) |            | M                  |
| payments\[N].receiver.address.line1   | SWIFT                                                                  | 35         | O                  |
| payments\[N].receiver.address.line2   | SWIFT                                                                  | 35         | O                  |
| payments\[N].receiver.address.line3   | SWIFT                                                                  | 35         | O                  |