Acme docs

This describes validations / allowed data formats for Acme payments going through Standard Chartered Bank (SCB) Hong Kong (SCBLHKHHXXX) 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: HK_FPS_PROXY, HK_FPS_ACCOUNT, HK_ACH, HK_CHATS, 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.
paymentDetails is sent to the beneficiary as unstructured remittance information across 2 lines of 70 characters.
receiver.name is required for all payment types and must not exceed 140 characters. It is not restricted to the SWIFT character set.
receiver.address.city and receiver.address.country are required for all payment types, as enforced by Standard Chartered Bank.
receiver.address.line1 is required for TT only. It is optional for every other payment type.
The line2, state, and postalCode address fields are optional. line1 and line2 accept up to 70 SWIFT characters, state up to 35, and postalCode up to 16.
receiver.localRoutingIdentifier is the 3-digit HKICL bank clearing code.
purposeCode is not required for any SCB Hong Kong payment type.
bankChargeBearer defaults to SHARED when omitted. On BKTR it is always SHARED, whatever value is supplied.
For HK_FPS_PROXY and HK_FPS_ACCOUNT, Acme sets paymentDate to the current date in the Asia/Hong_Kong timezone.

ISO 20022 migration: SCB address requirements

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 for an overview.
Acme sends SCB Hong Kong the Address-Validation: Y header, so the beneficiary address.city (town name) and address.country are mandatory for all payment types. Acme validates this on every payment.

customerReference and paymentDetails are validated by the bank

Acme does not pre-validate the length or character set of customerReference and paymentDetails on SCB Hong Kong payments.
A customerReference over 16 characters, or a non-SWIFT character in either field, is rejected by Standard Chartered Bank after submission rather than by the Acme API.
A paymentDetails value over 140 characters is silently truncated to 140 before submission — the payment succeeds and the beneficiary sees the clipped text. Keep both fields within the limits stated above.

HK_FPS_PROXY

Faster Payment System transfer addressed to a registered proxy rather than an account number.

receiver.bank and receiver.localRoutingIdentifier must not be provided. The proxy identifies the beneficiary bank.
receiver.proxyValue format depends on receiver.proxyType:
- FPS_ID: at most 9 digits.
- HKID: 1 or 2 uppercase letters, then 6 digits, then a digit or the letter A.
- MOBILE: must start with + followed by digits, and must carry a country code Acme can parse.
- EMAIL: accepted without a format check by Acme. Standard Chartered Bank validates it.

field	pattern / charset	max length	mandatory/optional
currency	`HKD` or `CNY`	3	M
customerReference	SWIFT	16	M
paymentDetails	SWIFT	140	O
bankChargeBearer	`SENDER` or `RECEIVER` or `SHARED`		O
receiver.name	Free text	140	M
receiver.proxyType	`FPS_ID`, `HKID`, `MOBILE`, or `EMAIL`		M
receiver.proxyValue	Depends on `receiver.proxyType`		M
receiver.address.city	SWIFT	35	M
receiver.address.country	ISO 3166-1 alpha-2	2	M

HK_FPS_ACCOUNT

Faster Payment System transfer addressed to a bank clearing code and account number.

receiver.bank must not be provided. receiver.localRoutingIdentifier routes the payment.

field	pattern / charset	max length	mandatory/optional
currency	`HKD` or `CNY`	3	M
customerReference	SWIFT	16	M
paymentDetails	SWIFT	140	O
bankChargeBearer	`SENDER` or `RECEIVER` or `SHARED`		O
receiver.name	Free text	140	M
receiver.localRoutingIdentifier	Numeric HKICL clearing code	3	M
receiver.bankAccountNumber	Numeric	34	M
receiver.address.city	SWIFT	35	M
receiver.address.country	ISO 3166-1 alpha-2	2	M

HK_ACH

Hong Kong Automated Clearing House transfer. A batched, non-urgent local transfer.

receiver.bank must not be provided. receiver.localRoutingIdentifier routes the payment.

field	pattern / charset	max length	mandatory/optional
currency	`HKD` or `CNY`	3	M
customerReference	SWIFT	16	M
paymentDetails	SWIFT	140	O
bankChargeBearer	`SENDER` or `RECEIVER` or `SHARED`		O
receiver.name	Free text	140	M
receiver.localRoutingIdentifier	Numeric HKICL clearing code	3	M
receiver.bankAccountNumber	Numeric	34	M
receiver.address.city	SWIFT	35	M
receiver.address.country	ISO 3166-1 alpha-2	2	M

HK_CHATS

Clearing House Automated Transfer System. A same-day high-value RTGS transfer.

receiver.bank is required. receiver.localRoutingIdentifier must not be provided.
Each CHATS currency clears through a different set of participant banks. Confirm the beneficiary bank supports the currency being sent.

field	pattern / charset	max length	mandatory/optional
currency	`HKD`, `CNY`, `USD`, or `EUR`	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	Alphanumeric	11	M
receiver.bankAccountNumber	Numeric	34	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 Hong Kong (SCBLHKHHXXX).

receiver.bank and receiver.localRoutingIdentifier 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
receiver.name	Free text	140	M
receiver.bankAccountNumber	Numeric	34	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.

receiver.bank is required.
receiver.address.line1 is required on this payment type only.

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	Alphanumeric	11	M
receiver.bankAccountNumber	Free text		M
receiver.address.line1	SWIFT	70	M
receiver.address.city	SWIFT	35	M
receiver.address.country	ISO 3166-1 alpha-2	2	M

Acme Standard Chartered Bank Hong Kong Payments (API)