# Acme Standard Chartered Bank UAE Payments (API) (/guides/scb-ae-api-payments)
This describes validations / allowed data formats for Acme payments going
through Standard Chartered Bank (SCB) UAE (`SCBLAEADXXX`) over the SCB Open
Banking API. These will be validated by Acme and further validated by the bank.
These rules may be stricter than what the bank requires.
Supported types: `UAE_IBFT`, `UAE_FTS`, `TT`, `BKTR`.
## 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 ` `
* `customerReference` is required for all payment types. It must be unique and must not exceed 16 SWIFT characters.
* `paymentDetails` is sent to the beneficiary as unstructured remittance information across 2 lines of 70 characters, for a total of 140 SWIFT characters.
* `purposeCode` is required for all payment types. Provide the UAE Purpose of Payment code that matches the transaction.
* `receiver.name` is required for all payment types and must not exceed 140 characters.
* `receiver.address.city` and `receiver.address.country` are required for all payment types, as enforced by Standard Chartered Bank. The `line1`, `line2`, `state`, and `postalCode` address fields are optional.
* A SWIFT BIC is either 8 or 11 characters: 6 uppercase letters, then 2 alphanumerics, optionally followed by a 3-character branch code. Lengths of 9 or 10 are rejected.
* A UAE IBAN is `AE` followed by 21 digits, for a total of 23 characters.
* `bankChargeBearer` defaults to `SHARED` when omitted. On `BKTR` it is always `SHARED`, whatever value is supplied.
- SCB is migrating to the ISO 20022 message standards. The beneficiary address requirements on this page are part of this migration. Refer to [ISO 20022 at Standard Chartered](https://www.sc.com/en/corporate-investment-banking/iso-20022/) for an overview.
- Under the [SCB Payment API guide](https://www.sc.com/en/uploads/sites/66/content/docs/ISO-20022-CBPR-API-Guide.pdf), the beneficiary `address.city` (town name) and `address.country` are mandatory for all payment types. Acme validates this on every payment.
* SCB UAE requires a currency prefix on the debit account number, so the sending account currency must be one Acme holds a prefix for.
* The supported currencies are `AED`, `USD`, `GBP`, `EUR`, `CHF`, `AUD`, `SGD`, `CAD`, `HKD`, `JPY`, `NOK`, `NZD`, `SEK`, and `ZAR`.
* A payment from an account in any other currency is rejected. Contact Acme if you need one added.
## UAE\_IBFT [#uae_ibft]
Interbank Funds Transfer. A local AED transfer to another bank in the UAE.
* `currency` must be `AED`.
* Provide either a UAE IBAN in `receiver.bankAccountNumber`, or an account number of at most 16 digits together with a `receiver.bank` BIC.
* When a UAE IBAN is provided without `receiver.bank`, Acme derives the beneficiary BIC from the IBAN routing code. If that routing code is not recognised the payment is rejected, and `receiver.bank` must be supplied explicitly.
| field | pattern / charset | max length | mandatory/optional |
| -------------------------- | ---------------------------------- | ---------- | ----------------------------- |
| currency | `AED` | 3 | M |
| customerReference | SWIFT | 16 | M |
| paymentDetails | SWIFT | 140 | O |
| purposeCode | UAE Purpose of Payment code | | M |
| bankChargeBearer | `SENDER` or `RECEIVER` or `SHARED` | | O |
| receiver.name | Free text | 140 | M |
| receiver.bank | SWIFT BIC | 8–11 | M for the account-number form |
| receiver.bankAccountNumber | UAE IBAN, or at most 16 digits | | M |
| receiver.address.city | SWIFT | 35 | M |
| receiver.address.country | ISO 3166-1 alpha-2 | 2 | M |
## UAE\_FTS [#uae_fts]
Funds Transfer System. A same-day high-value AED RTGS transfer.
* `currency` must be `AED`.
* Provide either a UAE IBAN in `receiver.bankAccountNumber`, or an account number of at most 16 digits together with a `receiver.bank` BIC.
* When a UAE IBAN is provided without `receiver.bank`, Acme derives the beneficiary BIC from the IBAN routing code. If that routing code is not recognised the payment is rejected, and `receiver.bank` must be supplied explicitly.
| field | pattern / charset | max length | mandatory/optional |
| -------------------------- | ---------------------------------- | ---------- | ----------------------------- |
| currency | `AED` | 3 | M |
| customerReference | SWIFT | 16 | M |
| paymentDetails | SWIFT | 140 | O |
| purposeCode | UAE Purpose of Payment code | | M |
| bankChargeBearer | `SENDER` or `RECEIVER` or `SHARED` | | O |
| receiver.name | Free text | 140 | M |
| receiver.bank | SWIFT BIC | 8–11 | M for the account-number form |
| receiver.bankAccountNumber | UAE IBAN, or at most 16 digits | | M |
| receiver.address.city | SWIFT | 35 | M |
| receiver.address.country | ISO 3166-1 alpha-2 | 2 | M |
## TT [#tt]
Telegraphic Transfer. A cross-border SWIFT transfer.
`receiver.bank` (SWIFT BIC) is required.
| field | pattern / charset | max length | mandatory/optional |
| -------------------------- | ---------------------------------- | ---------- | ------------------ |
| currency | ISO 4217 currency code | 3 | M |
| customerReference | SWIFT | 16 | M |
| paymentDetails | SWIFT | 140 | O |
| purposeCode | UAE Purpose of Payment code | | M |
| bankChargeBearer | `SENDER` or `RECEIVER` or `SHARED` | | O |
| receiver.name | Free text | 140 | M |
| receiver.bank | SWIFT BIC | 8–11 | M |
| receiver.bankAccountNumber | Free text | | M |
| receiver.address.city | SWIFT | 35 | M |
| receiver.address.country | ISO 3166-1 alpha-2 | 2 | M |
## BKTR [#bktr]
Book Transfer. An intra-SCB transfer between two accounts at SCB UAE (`SCBLAEADXXX`).
* `receiver.bank` must not be provided. SCB routes the payment to itself.
* `bankChargeBearer` is always `SHARED` on this payment type.
| field | pattern / charset | max length | mandatory/optional |
| -------------------------- | ------------------------------ | ---------- | ------------------ |
| currency | ISO 4217 currency code | 3 | M |
| customerReference | SWIFT | 16 | M |
| paymentDetails | SWIFT | 140 | O |
| purposeCode | UAE Purpose of Payment code | | M |
| receiver.name | Free text | 140 | M |
| receiver.bankAccountNumber | UAE IBAN, or at most 16 digits | | M |
| receiver.address.city | SWIFT | 35 | M |
| receiver.address.country | ISO 3166-1 alpha-2 | 2 | M |