Acme Standard Chartered Bank Great Britain Payments (API)

This describes validations / allowed data formats for Acme payments going through Standard Chartered Bank (SCB) Great Britain (SCBLGB2LXXX) 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: GB_FPS, GB_CHAPS, GB_SEPA, BKTR, TT.

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 characters.

• A SWIFT BIC is 8 to 11 characters (uppercase letters and digits).

• paymentDetails is sent to the beneficiary as unstructured remittance information across 2 lines of 70 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.

• For GB_FPS, and GB_CHAPS, provide either an 8-digit account number with a 6-digit sort code in receiver.localRoutingIdentifier, or a GB IBAN with a receiver.bank BIC.

GB_FPS

Faster Payments transfer.

field	pattern / charset	max length	mandatory/optional
currency	GBP	3	M
customerReference	SWIFT	16	M
paymentDetails	SWIFT	140	O
bankChargeBearer	SENDER or RECEIVER or SHARED		O
receiver.name	Free text	140	M
receiver.bank	SWIFT BIC	8–11	M for the IBAN form
receiver.localRoutingIdentifier	Numeric sort code	6	M for the account-number form, exactly 6 digits
receiver.bankAccountNumber	8 digits, or a GB IBAN		M
receiver.address.city	SWIFT	35	M
receiver.address.country	ISO 3166-1 alpha-2	2	M

GB_CHAPS

Same-day high-value RTGS transfer.

field	pattern / charset	max length	mandatory/optional
currency	GBP	3	M
customerReference	SWIFT	16	M
paymentDetails	SWIFT	140	O
bankChargeBearer	SENDER or RECEIVER or SHARED		O
receiver.name	Free text	140	M
receiver.bank	SWIFT BIC	8–11	M for the IBAN form
receiver.localRoutingIdentifier	Numeric sort code	6	M for the account-number form, exactly 6 digits
receiver.bankAccountNumber	8 digits, or a GB IBAN		M
receiver.address.city	SWIFT	35	M
receiver.address.country	ISO 3166-1 alpha-2	2	M

GB_SEPA

SEPA credit transfer to any SEPA countries.

info

• currency must be EUR.
• receiver.bank (SWIFT BIC) is required and receiver.bankAccountNumber must be an IBAN.
• purposeCode is optional. Provide SEPA PoP Code for the recipient bank.

field	pattern / charset	max length	mandatory/optional
currency	EUR	3	M
customerReference	SWIFT	16	M
paymentDetails	SWIFT	140	O
purposeCode	SWIFT	4	O
bankChargeBearer	SENDER or RECEIVER or SHARED		O
receiver.name	Free text	140	M
receiver.bank	SWIFT BIC	8–11	M
receiver.bankAccountNumber	IBAN	15–31	M
receiver.address.city	SWIFT	35	M
receiver.address.country	ISO 3166-1 alpha-2	2	M

BKTR

Book Transfer. An intra-SCB transfer between two accounts at SCB Great Britain (SCBLGB2LXXX).

info

receiver.bank must not be provided. SCB routes the payment to itself.

field	pattern / charset	max length	mandatory/optional
currency	ISO 4217 currency code	3	M
customerReference	SWIFT	16	M
paymentDetails	SWIFT	140	O
bankChargeBearer	SENDER or RECEIVER or SHARED		O
receiver.name	Free text	140	M
receiver.bankAccountNumber	Numeric	16	M
receiver.address.city	SWIFT	35	M
receiver.address.country	ISO 3166-1 alpha-2	2	M

TT

Telegraphic Transfer. A cross-border SWIFT transfer.

info

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
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