Acme DBS Singapore Payments (API)

This describes validations / allowed data formats for Acme payments going through DBS Singapore. 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

• DBS G_I3 String Character Set:

  • The 26 uppercase Latin letters A-Z
  • The 26 lowercase Latin letters a-z
  • The 10 digits 0-9
  • Space
  • Exclamation mark !
  • Hash #
  • Dollar sign $
  • Percent %
  • Ampersand &
  • Single quote '
  • Left and right parentheses ( )
  • Asterisk *
  • Plus sign +
  • Comma ,
  • Full stop .
  • Forward slash /
  • Colon :
  • Semicolon ;
  • Equals sign =
  • Question mark ?
  • At sign @
  • Left and right square brackets [ ]
  • Caret ^
  • Underscore _
  • Backtick `
  • Left and right curly braces { }
  • Pipe |
  • Tilde ~
  • Hyphen -

Payment details

paymentDetails is an optional free-text field. Acme does not validate its charset or length. DBS validates it.

• For ACT, MEPS, and TT, paymentDetails is sent to the beneficiary bank but it is subject to the beneficiary to display it. It is also included in the email advice when an advice email is provided.
• For FAST and PAYNOW, paymentDetails is not sent to the beneficiary bank. It is included in the email advice only when an advice email is provided.

Receiver name validation

Important

Migrating ACT, MEPS, or TT from the existing version (V4) to the new ISO 20022 Payment data changes version (V6) is a breaking change for receiver.name.

• On V6, receiver.name is enforced as SWIFT up to 140 characters.
• Names that were accepted before but contain characters outside the SWIFT set are rejected on V6.
• Sanitize stored payee names before migrating. Characters outside the SWIFT set include !, #, $, %, &, *, ;, =, @, [, ], ^, _, `, {, }, |, ~.

Bank charges (MEPS and TT)

bankChargeBearer and chargeAccount apply to MEPS and TT only.

• bankChargeBearer accepts SENDER, RECEIVER, or SHARED. When omitted, DBS applies its default charge bearer.
• chargeAccount is the account DBS debits for the bank charges. When omitted, DBS debits the originating account.

FAST

field	pattern / charset	max length	mandatory/optional
customerReference	SWIFT	35	O * Acme auto-generate if not provided
paymentDetails	SWIFT	140	O
receiver.name	G_I3	140	M
receiver.bank	Alphanumeric	11	M
receiver.bankAccountNumber	Numeric	34	M

• The receiver.name charset and length shown here are validated by DBS. Acme does not validate them upfront.
• The paymentDetails charset and length shown here are validated by DBS. Acme does not validate them upfront.

PAYNOW

• receiver.bankAccountNumber and receiver.bank must not be provided

field	pattern / charset	max length	mandatory/optional
customerReference	SWIFT	35	O * Acme auto-generate if not provided
paymentDetails	SWIFT	140	O
receiver.name	G_I3	140	M
receiver.proxyType	MOBILE or UEN or VPA or NRIC		M
receiver.proxyValue	SWIFT	35	M
receiver.address	SWIFT	35 chars x 3	O

• The receiver.name charset and length shown here are validated by DBS. Acme does not validate them upfront.
• The paymentDetails charset and length shown here are validated by DBS. Acme does not validate them upfront.

ACT

• receiver.bank must be provided (Required by DBS)

field	pattern / charset	max length	mandatory/optional
customerReference	SWIFT	16	O * Acme auto-generate if not provided
paymentDetails	SWIFT	140	O
receiver.name	SWIFT	35	M
receiver.bank	Alphanumeric	11	M
receiver.bankAccountNumber	Numeric	34	M

• The receiver.name charset and length shown here are validated by DBS. Acme does not validate them upfront.
• The paymentDetails charset and length shown here are validated by DBS. Acme does not validate them upfront.

MEPS

field	pattern / charset	max length	mandatory/optional
customerReference	SWIFT	16	O * Acme auto-generate if not provided
paymentDetails	SWIFT	140	O
bankChargeBearer	SENDER or RECEIVER or SHARED		O
chargeAccount	Alphanumeric	35	O *Example: 0172948596
receiver.name	SWIFT	35	M
receiver.bank	Alphanumeric	11	M
receiver.bankAccountNumber	Numeric	34	M
receiver.address.line1	SWIFT	35	M
receiver.address.line2	SWIFT	35	O
receiver.address.city	SWIFT	35	O
receiver.address.country	SWIFT	35	O
receiver.address.state	SWIFT	35	O
receiver.address.postalCode	SWIFT	35	O

• The receiver.name charset and length shown here are validated by DBS. Acme does not validate them upfront.
• The paymentDetails charset and length shown here are validated by DBS. Acme does not validate them upfront.

TT

field	pattern / charset	max length	mandatory/optional
customerReference	SWIFT	16	O * Acme auto-generate if not provided
paymentDetails	SWIFT	140	O
bankChargeBearer	SENDER or RECEIVER or SHARED		O
chargeAccount	Alphanumeric	35	O
receiver.name	SWIFT	35	M
receiver.bank	Alphanumeric	11	M
receiver.bankAccountNumber	Numeric	34	M
receiver.address.line1	SWIFT	35	M
receiver.address.line2	SWIFT	35	O
receiver.address.city	SWIFT	35	O
receiver.address.state	SWIFT	35	O
receiver.address.postalCode	SWIFT	35	O
receiver.address.country	SWIFT	35	O

• The receiver.name charset and length shown here are validated by DBS. Acme does not validate them upfront.
• The paymentDetails charset and length shown here are validated by DBS. Acme does not validate them upfront.

MEPS and TT - SWIFT ISO20022 Payment data changes

Important

• Only applicable to client migrated to DBS V6 Payment API.
• The following are breaking changes for MEPS and TT clients migrating from V4 to V6.
  • receiver.name is enforced as SWIFT up to 140 characters. See Receiver name validation before migrating from V4.
  • receiver.address.city is now required. It was optional in V4.
  • receiver.address.country is now required and must be an ISO 3166-1 alpha-2 code, for example SG. In V4 it was optional free SWIFT text up to 35 characters.
  • receiver.address.postalCode max length is reduced from 35 to 16.
• receiver.address.line1 and line2 max length increases from 35 to 70. This is not a breaking change.
• outgoingPurposeCode applies to TT only and is mandatory when the payment currency or beneficiary country falls into the corridors below. Payments that omit a required code will be rejected by the bank. Applicable purpose code list should be obtained from DBS or the destination country's regulator.
  • Currencies: MYR, CNH / CNY, INR, KWD
  • Beneficiary countries: Myanmar (MM), United Arab Emirates (AE)

field	pattern / charset	max length	mandatory/optional
customerReference	SWIFT	16	O * Acme auto-generate if not provided
paymentDetails	SWIFT	140	O
bankChargeBearer	SENDER or RECEIVER or SHARED		O
chargeAccount	Alphanumeric	35	O
outgoingPurposeCode	Alphanumeric (ISO 20022 ExternalPurpose code or country-specific purpose code) Example: SALA, GDDS	10	Conditional (TT only) — M for specific beneficiary country/currency, otherwise O
receiver.name	SWIFT	140	M
receiver.bank	Alphanumeric	11	M
receiver.bankAccountNumber	Numeric	34	M
receiver.address.line1	SWIFT	70	M
receiver.address.line2	SWIFT	70	O
receiver.address.city	SWIFT	35	M
receiver.address.country	SWIFT	2	M
receiver.address.state	SWIFT	35	O
receiver.address.postalCode	SWIFT	16	O

• The paymentDetails charset and length shown here are validated by DBS. Acme does not validate them upfront.

ACT - SWIFT ISO20022 Payment data changes

Important

• Only applicable to client migrated to DBS V6 Payment API.
• receiver.bank must be provided (Required by DBS).
• receiver.name is enforced as SWIFT up to 140 characters. See Receiver name validation before migrating from V4.

field	pattern / charset	max length	mandatory/optional
customerReference	SWIFT	16	O * Acme auto-generate if not provided
paymentDetails	SWIFT	140	O
receiver.name	SWIFT	140	M
receiver.bank	Alphanumeric	11	M
receiver.bankAccountNumber	Numeric	34	M

• The paymentDetails charset and length shown here are validated by DBS. Acme does not validate them upfront.