# Acme Standard Chartered Bank Hong Kong Payments (API) (/guides/scb-hk-api-payments)
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 [#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.
- 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.
- 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.
* 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 [#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 [#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 [#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 [#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 [#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 [#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 |