# Acme Standard Chartered Bank Great Britain Payments (API) (/guides/scb-gb-api-payments)
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 [#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.
- 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.
## GB\_FPS [#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 [#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 [#gb_sepa]
SEPA credit transfer to any SEPA countries.
* `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 [#bktr]
Book Transfer. An intra-SCB transfer between two accounts at SCB Great Britain (`SCBLGB2LXXX`).
`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 [#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 |
| 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 |