Acme DBS Singapore Payments (H2H)

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

Acme Address Packing (Before SWIFT ISO20022 Payment data changes)

receiver.address is submitted as a structured object with up to six fields. The fields are line1, line2, city, state, postalCode, and country.
The same handling applies to every existing payment type that accepts an address (FAST, PAYNOW, PAYNOW_GIRO, GIRO, MEPS, TT).
line1 is mandatory only for MEPS and TT. It is optional for the other types.
When no address is provided for the optional types, packing is skipped.
When an address is provided, Acme flattens the fields into 3 lines of up to 35 SWIFT characters.
line1 and line2 are each placed on their own line. Each must be 35 characters or fewer.
city, state, postalCode, and country are combined in that order onto the remaining lines. Acme splits on spaces or punctuation as needed to fit.
The payment is rejected if the combined address cannot fit within 3 lines of 35 characters.

Payment advice on DBS IDEAL and advice emails

When you provide payments[N].paymentAdviceEmails, DBS sends a payment advice to those recipients. The following fields determine what the recipient sees.

paymentDetails is shown as the Invoice Details in the advice email Payment Details section in the email body.
customerReference is shown as the Client Reference in the advice email Payment Details section in the email body.
If paymentDetails is not provided, Acme uses customerReference as the Invoice Details so the field is never empty.
These fields are populated only when advice emails are provided in paymentAdviceEmails for the payment.

FAST

field	pattern / charset	max length	mandatory/optional
customerReference	SWIFT	35	O * Acme auto-generate if not provided
paymentDetails	SWIFT	140	O
receiver.name	SWIFT	35	M
receiver.bank	Alphanumeric	11	M
receiver.bankAccountNumber	Alphanumeric	34	M
receiver.address	SWIFT	35 chars x 3	O
payments[N].paymentAdviceEmails[N]	Valid email address Example: ["finance@company.com"]	75 per email (max 5 emails)	O

receiver.address is a structured object with the fields line1, line2, city, state, postalCode, and country. When provided, Acme flattens it into 3 lines of 35 SWIFT characters. See Address packing.

PAYNOW (FAST) / PAYNOW_GIRO

info

Acme does not validate the proxyValue patterns. Follow the rules specified below to avoid rejection by the bank.

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	SWIFT	35	M
receiver.proxyType	`MOBILE` or `UEN` or `VPA` or `NRIC`		M
receiver.proxyValue (MOBILE)	SWIFT, `+` followed by up to 15 digits Example: `+6588880000`	35	M
receiver.proxyValue (UEN)	Uppercase SWIFT 9 to 13 uppercase alphanumeric characters Example: `201688888A`	35	M
receiver.proxyValue (NRIC)	Uppercase SWIFT 9 uppercase alphanumeric characters Example: `S7800000A`	35	M
receiver.proxyValue (VPA)	Uppercase SWIFT Mobile followed by `#` and 4 uppercase alphanumeric characters Example: `+6588880000#Grab` or `UEN` followed by UEN followed by `#` and 4 uppercase alphanumeric characters Example: `+UEN1234567#Grab`	35	M
receiver.address	SWIFT	35 chars x 3	O
payments[N].paymentAdviceEmails[N]	Valid email address Example: ["finance@company.com"]	75 per email (max 5 emails)	O

GIRO

field	pattern / charset	max length	mandatory/optional
customerReference	SWIFT	35	O * Acme auto-generate if not provided
paymentDetails	SWIFT	140	O
receiver.name	SWIFT	35	M
receiver.bank	Alphanumeric	11	M
receiver.bankAccountNumber	Alphanumeric	34	M
receiver.address	SWIFT	35 chars x 3	O
payments[N].paymentAdviceEmails[N]	Valid email address Example: ["finance@company.com"]	75 per email (max 5 emails)	O

ACT

receiver.bank must not be provided

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.bankAccountNumber	Alphanumeric	34	M
payments[N].paymentAdviceEmails[N]	Valid email address Example: ["finance@company.com"]	75 per email (max 5 emails)	O

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
receiver.name	SWIFT	35	M
receiver.bank	Alphanumeric	11	M
receiver.bankAccountNumber	Alphanumeric + `-`	34	M
receiver.intermediaryBank	Alphanumeric	11	O
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
payments[N].paymentAdviceEmails[N]	Valid email address Example: ["finance@company.com"]	75 per email (max 5 emails)	O

Acme flattens these receiver.address fields into 3 lines of 35 SWIFT characters before submission to DBS. See Address packing.

TT

field	pattern / charset	max length	mandatory/optional
customerReference	SWIFT	16	O * Acme auto-generate if not provided
instructionForSenderBank	SWIFT	128	O
paymentDetails	SWIFT	140	O
bankChargeBearer	`SENDER` or `RECEIVER` or `SHARED`		O
receiver.name	SWIFT	35	M
receiver.bank	Alphanumeric	11	M
receiver.bankAccountNumber	Alphanumeric + `-`	34	M
receiver.localRoutingIdentifier	Alphanumeric	31	O
receiver.intermediaryBank	Alphanumeric	11	O
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
payments[N].paymentAdviceEmails[N]	Valid email address Example: ["finance@company.com"]	75 per email (max 5 emails)	O

Acme flattens these receiver.address fields into 3 lines of 35 SWIFT characters before submission to DBS. See Address packing.

MEPS and TT - SWIFT ISO20022 Payment data changes

Important

Only applicable to clients migrated to DBS H2H CBPR+ (ISO 20022).
instructionForSenderBank applies to TT only.
receiver.name maximum characters increased from 35 to 140.
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
instructionForSenderBank	SWIFT	128	O (TT only)
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
paymentDetails	SWIFT	140	O
bankChargeBearer	`SENDER` or `RECEIVER` or `SHARED`		O
receiver.name	SWIFT	140	M
receiver.bank	Alphanumeric	11	M
receiver.bankAccountNumber	Alphanumeric + `-`	34	M
receiver.localRoutingIdentifier	Alphanumeric	31	O (TT only)
receiver.intermediaryBank	Alphanumeric	11	O
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
payments[N].paymentAdviceEmails[N]	Valid email address Example: ["finance@company.com"]	75 per email (max 5 emails)	O

ACT - SWIFT ISO20022 Payment data changes

Important

Only applicable to clients migrated to DBS H2H CBPR+ (ISO 20022).
receiver.name maximum characters increased from 35 to 140.
receiver.bank must not be provided.

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.bankAccountNumber	Numeric	34	M
payments[N].paymentAdviceEmails[N]	Valid email address Example: ["finance@company.com"]	75 per email (max 5 emails)	O

Common Definitions​

Acme Address Packing (Before SWIFT ISO20022 Payment data changes)​

Payment advice on DBS IDEAL and advice emails​

FAST​

PAYNOW (FAST) / PAYNOW_GIRO​

GIRO​

ACT​

MEPS​

TT​

MEPS and TT - SWIFT ISO20022 Payment data changes​

ACT - SWIFT ISO20022 Payment data changes​