Acme Citibank US Payments

This describes validations / allowed data formats for Acme payments going through Citibank US. 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  

• Citi restrictions:

  • For SWIFT character set: do not start a field with any of the following characters: /, -, :

US_ACH

field	pattern / charset	max length	mandatory/optional
subtype (at batch level)	CCD or PPD		M
customerReference	SWIFT (uppercase only)	15	M
paymentDetails	SWIFT	80	O
instructionForSenderBank	SWIFT	35	O
receiver.name	SWIFT	22	M
receiver.bankAccountNumber	Numeric	17	M
receiver.bankName	SWIFT	35	M
receiver.accountType	CHECKING or SAVINGS		M
receiver.localRoutingIdentifier	Numeric (routing number)	9	M
receiver.address	SWIFT	35 chars x 3	O

Note: CCD subtype is for sending to corporate accounts, it can only send to CHECKING account type. PPD subtype is for sending to personal accounts, it can use either CHECKING or SAVINGS.

Example:

{
  "type": "US_ACH",
  "subtype": "CCD",
  "currency": "USD",
  "payments": [
    {
      "amount": 100,
      "customerReference": "REF 01",
      "receiver": {
        "name": "Recipient Name",
        "bankName": "Test Bank",
        "localRoutingIdentifier": "123456789",
        "bankAccountNumber": "987654321",
        "accountType": "CHECKING"
      }
    },
    {
      "amount": 200,
      "customerReference": "REF 02",
      "receiver": {
        "name": "Recipient Two",
        "bankName": "Test Bank",
        "localRoutingIdentifier": "123456789",
        "bankAccountNumber": "967854321",
        "accountType": "CHECKING"
      }
    }
  ]
}

US_WIRE_DOM

US Domestic Wire

• Use US_WIRE_DOM for book transfer and USD payments, use US_WIRE_INTL for other currencies

field	pattern / charset	max length	mandatory/optional
customerReference	SWIFT (uppercase only)	16	M
paymentDetails	SWIFT	140	O
bankChargeBearer	SENDER or RECEIVER or SHARED Default to SHARED if not provided.		O
instructionForSenderBank	SWIFT	35	O
receiver.name	SWIFT	140	M
receiver.bank	Alphanumeric	11	M
receiver.localRoutingIdentifier	Either bank or localRoutingIdentifier must be provided (not both) 4 digits: USCH (CHIPS ABA / participant number) or 6 digits: USCHU (CHIPS UID) or 9 digits: USABA (ABA)	9	M
receiver.intermediaryBank	Alphanumeric	11	O
receiver.bankName	SWIFT	35	M
receiver.bankAccountNumber	Alphanumeric	34	M
receiver.address	SWIFT	35 chars x 3	O

US_WIRE_INTL

• Use for any foreign currency except for USD

field	pattern / charset	max length	mandatory/optional
customerReference	SWIFT (uppercase only)	16	M
paymentDetails	SWIFT	140	O
bankChargeBearer	Only accept SHARED. Default to SHARED if not provided.		O
instructionForSenderBank	SWIFT	35	O
receiver.name	SWIFT	140	M
receiver.bank	Alphanumeric	11	M
receiver.intermediaryBank	Alphanumeric	11	O
receiver.bankAccountNumber	Alphanumeric	34	M
receiver.address	SWIFT	35 chars x 3	O

US_RTP

Important

• Receiver structured address must be provided. line1, postalCode, city, state and country are mandatory.

field	pattern / charset	max length	mandatory/optional
customerReference	SWIFT (uppercase only)	16	M
paymentDetails	SWIFT	140	O
instructionForSenderBank	SWIFT	35	O
receiver.name	SWIFT	140	M
receiver.localRoutingIdentifier	only accept 9 digits ABA code	9	M
receiver.bankAccountNumber	Alphanumeric	34	M
receiver.address.line1	SWIFT	70	M
receiver.address.city	SWIFT	35	M
receiver.address.state	2-char upper case state abbreviation Example: NY	2	M
receiver.address.postalCode	SWIFT	16	M
receiver.address.country	2-char upper case ISO country code	2	M