Acme Standard Chartered Bank Singapore Payments (API)

This describes validations / allowed data formats for Acme payments going through Standard Chartered Bank (SCB) Singapore (SCBLSG22XXX) 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: FAST, MEPS, BKTR, TT.

Common DefinitionsCopy Anchor Link

• 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.

FASTCopy Anchor Link

MEPSCopy Anchor Link

BKTRCopy Anchor Link

TTCopy Anchor Link

Bank referencesCopy Anchor Link

bankReference is SCB's main reference for the payment. bankReferences is an object with every reference SCB returned, keyed by SCB's field name. It includes the main reference.

• TT: when SCB reports the payment as processed, bankReference is set to SCB's clearingSystemReference, and bankReferences has it under the key clearingSystemReference, along with the other ids SCB returns: paymentIdentifier, internalTrackingId, clientReferenceId, endToEndId, clientIdentifier and instructionIdentifier. Until then, bankReference is null and bankReferences is {}. If SCB already answers the payment request with Completed, the payment completes before any clearingSystemReference arrives: bankReference stays null, and bankReferences has only paymentIdentifier, internalTrackingId and clientReferenceId.
• Other payment types: bankReference is null and bankReferences is {} for now.

A completed TT payment returns:

{
  "bankReference": "6OT2610051234567",
  "bankReferences": {
    "clearingSystemReference": "6OT2610051234567",
    "paymentIdentifier": "2610051234567890",
    "internalTrackingId": "3f2b8c1e-7d4a-4e9b-9c6f-1a2b3c4d5e6f",
    "clientReferenceId": "ET12345678-USD-0",
    "endToEndId": "E2E2610051234",
    "clientIdentifier": "CLI2610051234",
    "instructionIdentifier": "INS2610051234"
  }
}