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Bank payment rules

Acme Standard Chartered Bank Singapore Payments (H2H)

This describes validations and allowed data formats for Acme payments going through Standard Chartered Bank (SCB) Singapore (SWIFT BIC: SCBLSG22XXX) over host-to-host (H2H) file integration. These rules are validated by Acme and further validated by the bank. These rules may be stricter than what the bank requires.

Supported types: FAST, GIRO, MEPS, SG_PAYROLL, 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

  • SCB Extended Character Set:

    • The 26 uppercase Latin letters A-Z
    • The 26 lowercase Latin letters a-z
    • The 10 digits 0-9
    • Space
    • The punctuation characters ! " # $ % & ' ( ) * + - . / : ; < = > ? @ [ ] ^ _ { }
    • Note that the comma , is not allowed in this character set.

ISO 20022 Migration

SCB address requirements

  • SCB is migrating to the ISO 20022 message standards. The address requirements below are part of this migration. Refer to ISO 20022 at Standard Chartered for an overview.
  • Under the SCB address guidelines, the beneficiary address.city (town name) and address.country become mandatory for all payment types, not only for MEPS and TT.
  • These address requirements become mandatory in November 2026.
  • Acme enforces address.city and address.country on every payment type, ahead of the bank's deadline. TT additionally requires address.line1 and address.postalCode; on the other types those two stay optional.

Payment Customer Reference

  • Use payments[N].customerReference as the unique identifier of your payments.
  • If customerReference is not provided, Acme generates a 13-character unique alphanumeric reference automatically.
  • The customerReference is sent to the bank as the end-to-end ID of the payment.

FAST

  • 4 characters purposeCode is mandatory for FAST payments. Refer to the list provided by The Association of Banks in Singapore (ABS).
  • The maximum amount for FAST payment is SGD 200,000 per transaction.
  • The payment currency must be SGD.
  • FAST payments are processed 24/7.
fieldpattern / charsetmax lengthmandatory/optional
payments[N].customerReferenceAlphanumeric16O
paymentDateYYYY-MM-DDM
payments[N].paymentDetailsSWIFT140O
payments[N].purposeCodeAlphanumeric4M
payments[N].bankChargeBearerSENDER, RECEIVER, or SHAREDO
payments[N].paymentAdviceEmails[N]Valid email address
Example: ["finance@company.com"]		150 per email (max 5 emails)O
payments[N].receiver.nameSWIFT70M
payments[N].receiver.bankBIC1111M
payments[N].receiver.bankAccountNumberAlphanumeric34M
payments[N].receiver.address.line1Free text70O
payments[N].receiver.address.line2Free text70O
payments[N].receiver.address.cityFree text35M (See ISO 20022 Requirements)
payments[N].receiver.address.postalCodeFree text16O
payments[N].receiver.address.countryISO 3166-1 alpha-22M (See ISO 20022 Requirements)

Example Request:

{
  "type": "FAST",
  "paymentDate": "2026-07-15",
  "senderAccountId": "intacc_0H3BQNTQGBW2W",
  "senderAccountCurrency": "SGD",
  "currency": "SGD",
  "payments": [
    {
      "amount": 10000,
      "customerReference": "INV001",
      "paymentDetails": "Payment for invoice 001",
      "purposeCode": "OTHR",
      "receiver": {
        "name": "Tan Ah Kow",
        "bank": "DBSSSGSGXXX",
        "bankAccountNumber": "9876543210",
        "address": {
          "city": "Singapore",
          "country": "SG"
        }
      }
    }
  ]
}

GIRO

  • 4 characters purposeCode is mandatory for GIRO payments. Refer to the list provided by The Association of Banks in Singapore (ABS).
  • The cut-off time for GIRO payments is 18:30 SGT. Files submitted by Acme to the bank after the cut-off are processed in the next processing window.
  • The payment currency must be SGD.
fieldpattern / charsetmax lengthmandatory/optional
payments[N].customerReferenceAlphanumeric16O
paymentDateYYYY-MM-DDM
payments[N].paymentDetailsSCB Extended140O
payments[N].purposeCodeAlphanumeric4M
payments[N].bankChargeBearerSENDER, RECEIVER, or SHAREDO
payments[N].paymentAdviceEmails[N]Valid email address
Example: ["finance@company.com"]		150 per email (max 5 emails)O
payments[N].receiver.nameSWIFT70M
payments[N].receiver.bankBIC1111M
payments[N].receiver.bankAccountNumberAlphanumeric34M
payments[N].receiver.address.line1Free text70O
payments[N].receiver.address.line2Free text70O
payments[N].receiver.address.cityFree text35M (See ISO 20022 Requirements)
payments[N].receiver.address.postalCodeFree text16O
payments[N].receiver.address.countryISO 3166-1 alpha-22M (See ISO 20022 Requirements)

Example Request:

{
  "type": "GIRO",
  "paymentDate": "2026-07-15",
  "senderAccountId": "intacc_0H3BQNTQGBW2W",
  "senderAccountCurrency": "SGD",
  "currency": "SGD",
  "payments": [
    {
      "amount": 10000,
      "customerReference": "INV002",
      "paymentDetails": "Payment for invoice 002",
      "purposeCode": "OTHR",
      "receiver": {
        "name": "Tan Ah Kow",
        "bank": "OCBCSGSGXXX",
        "bankAccountNumber": "9876543210",
        "address": {
          "city": "Singapore",
          "country": "SG"
        }
      }
    }
  ]
}

MEPS

  • The minimum amount is SGD 50,000 per payment.
  • purposeCode is optional for MEPS payments.
  • The payment currency must be SGD.
fieldpattern / charsetmax lengthmandatory/optional
payments[N].customerReferenceAlphanumeric16O
paymentDateYYYY-MM-DDM
payments[N].paymentDetailsSWIFT140O
payments[N].purposeCodeAlphanumeric4O
payments[N].bankChargeBearerSENDER, RECEIVER, or SHAREDO
payments[N].paymentAdviceEmails[N]Valid email address
Example: ["finance@company.com"]		150 per email (max 5 emails)O
payments[N].receiver.nameSWIFT70M
payments[N].receiver.bankBIC1111M
payments[N].receiver.bankAccountNumberAlphanumeric34M
payments[N].receiver.address.line1Free text70O
payments[N].receiver.address.line2Free text70O
payments[N].receiver.address.cityFree text35M (See ISO 20022 Requirements)
payments[N].receiver.address.postalCodeFree text16O
payments[N].receiver.address.countryISO 3166-1 alpha-22M (See ISO 20022 Requirements)

Example Request:

{
  "type": "MEPS",
  "paymentDate": "2026-07-15",
  "senderAccountId": "intacc_0H3BQNTQGBW2W",
  "senderAccountCurrency": "SGD",
  "currency": "SGD",
  "payments": [
    {
      "amount": 5000000,
      "customerReference": "INV003",
      "paymentDetails": "Payment for invoice 003",
      "receiver": {
        "name": "Tan Ah Kow",
        "bank": "UOVBSGSGXXX",
        "bankAccountNumber": "9876543210",
        "address": {
          "city": "Singapore",
          "country": "SG"
        }
      }
    }
  ]
}

SG_PAYROLL

  • purposeCode is mandatory for SG_PAYROLL payments.
  • Allowed values are SALA or SAL (Salary), BONU or BON (Bonus), and OTHR or OTH (Other).
  • The cut-off time for PAYROLL payments is 18:30 SGT. Files submitted by Acme to the bank after the cut-off are processed in the next processing window.
  • The payment currency must be SGD.
fieldpattern / charsetmax lengthmandatory/optional
payments[N].customerReferenceAlphanumeric16O
paymentDateYYYY-MM-DDM
payments[N].paymentDetailsSCB Extended140O
payments[N].purposeCodeSALA or SAL or BONU or BON or OTHR or OTH4M
payments[N].bankChargeBearerSENDER, RECEIVER, or SHAREDO
payments[N].paymentAdviceEmails[N]Valid email address
Example: ["finance@company.com"]		150 per email (max 5 emails)O
payments[N].receiver.nameSWIFT70M
payments[N].receiver.bankBIC1111M
payments[N].receiver.bankAccountNumberAlphanumeric34M
payments[N].receiver.address.line1Free text70O
payments[N].receiver.address.line2Free text70O
payments[N].receiver.address.cityFree text35M (See ISO 20022 Requirements)
payments[N].receiver.address.postalCodeFree text16O
payments[N].receiver.address.countryISO 3166-1 alpha-22M (See ISO 20022 Requirements)

Example Request:

{
  "type": "SG_PAYROLL",
  "paymentDate": "2026-07-15",
  "senderAccountId": "intacc_0H3BQNTQGBW2W",
  "senderAccountCurrency": "SGD",
  "currency": "SGD",
  "payments": [
    {
      "amount": 350000,
      "customerReference": "PAYROLL07",
      "paymentDetails": "July salary",
      "purposeCode": "SALA",
      "receiver": {
        "name": "Tan Ah Kow",
        "bank": "DBSSSGSGXXX",
        "bankAccountNumber": "9876543210",
        "address": {
          "city": "Singapore",
          "country": "SG"
        }
      }
    }
  ]
}

BKTR

Book transfers move funds between accounts within SCB Singapore (SCBLSG22XXX).

  • receiver.bank is required for H2H book transfers. Use SCB Singapore's BIC SCBLSG22XXX.
  • receiver.name accepts the SCB Extended Character Set.
  • purposeCode is optional for book transfers.
fieldpattern / charsetmax lengthmandatory/optional
payments[N].customerReferenceAlphanumeric16O
paymentDateYYYY-MM-DDM
payments[N].paymentDetailsSWIFT140O
payments[N].purposeCodeAlphanumeric4O
payments[N].bankChargeBearerSENDER, RECEIVER, or SHAREDO
payments[N].paymentAdviceEmails[N]Valid email address
Example: ["finance@company.com"]		150 per email (max 5 emails)O
payments[N].receiver.nameSCB Extended70M
payments[N].receiver.bankBIC1111M
payments[N].receiver.bankAccountNumberAlphanumeric34M
payments[N].receiver.address.line1Free text70O
payments[N].receiver.address.line2Free text70O
payments[N].receiver.address.cityFree text35M (See ISO 20022 Requirements)
payments[N].receiver.address.postalCodeFree text16O
payments[N].receiver.address.countryISO 3166-1 alpha-22M (See ISO 20022 Requirements)

Example Request:

{
  "type": "BKTR",
  "paymentDate": "2026-07-15",
  "senderAccountId": "intacc_0H3BQNTQGBW2W",
  "senderAccountCurrency": "SGD",
  "currency": "SGD",
  "payments": [
    {
      "amount": 10000,
      "customerReference": "INV004",
      "paymentDetails": "Internal fund transfer",
      "receiver": {
        "name": "Tan Ah Kow",
        "bank": "SCBLSG22XXX",
        "bankAccountNumber": "9876543210",
        "address": {
          "city": "Singapore",
          "country": "SG"
        }
      }
    }
  ]
}

TT

  • paymentDetails is mandatory for TT payments.
  • The beneficiary address is mandatory for TT payments. You must provide line1, city, postalCode, and country.
  • TT payments accept any valid ISO 4217 currency.
fieldpattern / charsetmax lengthmandatory/optional
payments[N].customerReferenceAlphanumeric16O
paymentDateYYYY-MM-DDM
payments[N].paymentDetailsSWIFT140M
payments[N].purposeCodeAlphanumeric4O
payments[N].bankChargeBearerSENDER, RECEIVER, or SHAREDO
payments[N].paymentAdviceEmails[N]Valid email address
Example: ["finance@company.com"]		150 per email (max 5 emails)O
payments[N].receiver.nameSWIFT140M
payments[N].receiver.bankBIC1111M
payments[N].receiver.bankAccountNumberAlphanumeric34M
payments[N].receiver.address.line1Free text70M
payments[N].receiver.address.line2Free text70O
payments[N].receiver.address.cityFree text35M
payments[N].receiver.address.postalCodeFree text16M
payments[N].receiver.address.countryISO 3166-1 alpha-22M

Example Request:

{
  "type": "TT",
  "paymentDate": "2026-07-15",
  "senderAccountId": "intacc_0H3BQNTQGBW2W",
  "senderAccountCurrency": "SGD",
  "currency": "USD",
  "payments": [
    {
      "amount": 250000,
      "customerReference": "INV005",
      "paymentDetails": "Payment for invoice 005",
      "receiver": {
        "name": "John Smith",
        "bank": "CHASUS33XXX",
        "bankAccountNumber": "123456789",
        "address": {
          "line1": "270 Park Avenue",
          "city": "New York",
          "postalCode": "10017",
          "country": "US"
        }
      }
    }
  ]
}

Payment Response

Payment status definitions:

StatusDescription
PROCESSINGStatus upon creation.
SUBMITTEDPayment file uploaded to SCB. Awaiting acknowledgment and final confirmation.
COMPLETEDPayment confirmed successful by the bank.
FAILEDPayment rejected by the bank. Check underlyingErrorMessage for details.

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Common DefinitionsISO 20022 MigrationPayment Customer ReferenceFASTGIROMEPSSG_PAYROLLBKTRTTPayment Response