# Acme Standard Chartered Bank Singapore Payments (H2H) (/guides/scb-sg-h2h-payments)
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 [#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 [#iso-20022-migration]
* 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](https://www.sc.com/en/corporate-investment-banking/iso-20022/) for an overview.
* Under the [SCB address guidelines](https://www.sc.com/en/uploads/sites/66/content/docs/sc-cib-tb-ISO-20022%E2%80%93CBPR-Address-guidelines-H2H-and-API-sept-2025.pdf), 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 [#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 [#fast]
* 4 characters `purposeCode` is mandatory for `FAST` payments. Refer to the [list](https://www.abs.org.sg/docs/library/mnemonic_purpose_codes.pdf) 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.
| field | pattern / charset | max length | mandatory/optional |
| ---------------------------------------- | ------------------------------------------------------------------------------------------ | ---------------------------- | ------------------------------------------------------ |
| payments\[N].customerReference | Alphanumeric | 16 | O |
| paymentDate | `YYYY-MM-DD` | | M |
| payments\[N].paymentDetails | SWIFT | 140 | O |
| payments\[N].purposeCode | Alphanumeric | 4 | M |
| payments\[N].bankChargeBearer | `SENDER`, `RECEIVER`, or `SHARED` | | O |
| payments\[N].paymentAdviceEmails\[N] | Valid email address
Example: \["[finance@company.com](mailto:finance@company.com)"] | 150 per email (max 5 emails) | O |
| payments\[N].receiver.name | SWIFT | 70 | M |
| payments\[N].receiver.bank | BIC11 | 11 | M |
| payments\[N].receiver.bankAccountNumber | Alphanumeric | 34 | M |
| payments\[N].receiver.address.line1 | Free text | 70 | O |
| payments\[N].receiver.address.line2 | Free text | 70 | O |
| payments\[N].receiver.address.city | Free text | 35 | M (See [ISO 20022 Requirements](#iso-20022-migration)) |
| payments\[N].receiver.address.postalCode | Free text | 16 | O |
| payments\[N].receiver.address.country | ISO 3166-1 alpha-2 | 2 | M (See [ISO 20022 Requirements](#iso-20022-migration)) |
Example Request:
```json
{
"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 [#giro]
* 4 characters `purposeCode` is mandatory for `GIRO` payments. Refer to the [list](https://www.abs.org.sg/docs/library/mnemonic_purpose_codes.pdf) 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**.
| field | pattern / charset | max length | mandatory/optional |
| ---------------------------------------- | ------------------------------------------------------------------------------------------ | ---------------------------- | ------------------------------------------------------ |
| payments\[N].customerReference | Alphanumeric | 16 | O |
| paymentDate | `YYYY-MM-DD` | | M |
| payments\[N].paymentDetails | SCB Extended | 140 | O |
| payments\[N].purposeCode | Alphanumeric | 4 | M |
| payments\[N].bankChargeBearer | `SENDER`, `RECEIVER`, or `SHARED` | | O |
| payments\[N].paymentAdviceEmails\[N] | Valid email address
Example: \["[finance@company.com](mailto:finance@company.com)"] | 150 per email (max 5 emails) | O |
| payments\[N].receiver.name | SWIFT | 70 | M |
| payments\[N].receiver.bank | BIC11 | 11 | M |
| payments\[N].receiver.bankAccountNumber | Alphanumeric | 34 | M |
| payments\[N].receiver.address.line1 | Free text | 70 | O |
| payments\[N].receiver.address.line2 | Free text | 70 | O |
| payments\[N].receiver.address.city | Free text | 35 | M (See [ISO 20022 Requirements](#iso-20022-migration)) |
| payments\[N].receiver.address.postalCode | Free text | 16 | O |
| payments\[N].receiver.address.country | ISO 3166-1 alpha-2 | 2 | M (See [ISO 20022 Requirements](#iso-20022-migration)) |
Example Request:
```json
{
"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 [#meps]
* The minimum amount is SGD 50,000 per payment.
* `purposeCode` is optional for `MEPS` payments.
* The payment `currency` must be **SGD**.
| field | pattern / charset | max length | mandatory/optional |
| ---------------------------------------- | ------------------------------------------------------------------------------------------ | ---------------------------- | ------------------------------------------------------ |
| payments\[N].customerReference | Alphanumeric | 16 | O |
| paymentDate | `YYYY-MM-DD` | | M |
| payments\[N].paymentDetails | SWIFT | 140 | O |
| payments\[N].purposeCode | Alphanumeric | 4 | O |
| payments\[N].bankChargeBearer | `SENDER`, `RECEIVER`, or `SHARED` | | O |
| payments\[N].paymentAdviceEmails\[N] | Valid email address
Example: \["[finance@company.com](mailto:finance@company.com)"] | 150 per email (max 5 emails) | O |
| payments\[N].receiver.name | SWIFT | 70 | M |
| payments\[N].receiver.bank | BIC11 | 11 | M |
| payments\[N].receiver.bankAccountNumber | Alphanumeric | 34 | M |
| payments\[N].receiver.address.line1 | Free text | 70 | O |
| payments\[N].receiver.address.line2 | Free text | 70 | O |
| payments\[N].receiver.address.city | Free text | 35 | M (See [ISO 20022 Requirements](#iso-20022-migration)) |
| payments\[N].receiver.address.postalCode | Free text | 16 | O |
| payments\[N].receiver.address.country | ISO 3166-1 alpha-2 | 2 | M (See [ISO 20022 Requirements](#iso-20022-migration)) |
Example Request:
```json
{
"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 [#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**.
| field | pattern / charset | max length | mandatory/optional |
| ---------------------------------------- | ------------------------------------------------------------------------------------------ | ---------------------------- | ------------------------------------------------------ |
| payments\[N].customerReference | Alphanumeric | 16 | O |
| paymentDate | `YYYY-MM-DD` | | M |
| payments\[N].paymentDetails | SCB Extended | 140 | O |
| payments\[N].purposeCode | `SALA` or `SAL` or `BONU` or `BON` or `OTHR` or `OTH` | 4 | M |
| payments\[N].bankChargeBearer | `SENDER`, `RECEIVER`, or `SHARED` | | O |
| payments\[N].paymentAdviceEmails\[N] | Valid email address
Example: \["[finance@company.com](mailto:finance@company.com)"] | 150 per email (max 5 emails) | O |
| payments\[N].receiver.name | SWIFT | 70 | M |
| payments\[N].receiver.bank | BIC11 | 11 | M |
| payments\[N].receiver.bankAccountNumber | Alphanumeric | 34 | M |
| payments\[N].receiver.address.line1 | Free text | 70 | O |
| payments\[N].receiver.address.line2 | Free text | 70 | O |
| payments\[N].receiver.address.city | Free text | 35 | M (See [ISO 20022 Requirements](#iso-20022-migration)) |
| payments\[N].receiver.address.postalCode | Free text | 16 | O |
| payments\[N].receiver.address.country | ISO 3166-1 alpha-2 | 2 | M (See [ISO 20022 Requirements](#iso-20022-migration)) |
Example Request:
```json
{
"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 [#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.
| field | pattern / charset | max length | mandatory/optional |
| ---------------------------------------- | ------------------------------------------------------------------------------------------ | ---------------------------- | ------------------------------------------------------ |
| payments\[N].customerReference | Alphanumeric | 16 | O |
| paymentDate | `YYYY-MM-DD` | | M |
| payments\[N].paymentDetails | SWIFT | 140 | O |
| payments\[N].purposeCode | Alphanumeric | 4 | O |
| payments\[N].bankChargeBearer | `SENDER`, `RECEIVER`, or `SHARED` | | O |
| payments\[N].paymentAdviceEmails\[N] | Valid email address
Example: \["[finance@company.com](mailto:finance@company.com)"] | 150 per email (max 5 emails) | O |
| payments\[N].receiver.name | SCB Extended | 70 | M |
| payments\[N].receiver.bank | BIC11 | 11 | M |
| payments\[N].receiver.bankAccountNumber | Alphanumeric | 34 | M |
| payments\[N].receiver.address.line1 | Free text | 70 | O |
| payments\[N].receiver.address.line2 | Free text | 70 | O |
| payments\[N].receiver.address.city | Free text | 35 | M (See [ISO 20022 Requirements](#iso-20022-migration)) |
| payments\[N].receiver.address.postalCode | Free text | 16 | O |
| payments\[N].receiver.address.country | ISO 3166-1 alpha-2 | 2 | M (See [ISO 20022 Requirements](#iso-20022-migration)) |
Example Request:
```json
{
"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 [#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.
| field | pattern / charset | max length | mandatory/optional |
| ---------------------------------------- | ------------------------------------------------------------------------------------------ | ---------------------------- | ------------------ |
| payments\[N].customerReference | Alphanumeric | 16 | O |
| paymentDate | `YYYY-MM-DD` | | M |
| payments\[N].paymentDetails | SWIFT | 140 | M |
| payments\[N].purposeCode | Alphanumeric | 4 | O |
| payments\[N].bankChargeBearer | `SENDER`, `RECEIVER`, or `SHARED` | | O |
| payments\[N].paymentAdviceEmails\[N] | Valid email address
Example: \["[finance@company.com](mailto:finance@company.com)"] | 150 per email (max 5 emails) | O |
| payments\[N].receiver.name | SWIFT | 140 | M |
| payments\[N].receiver.bank | BIC11 | 11 | M |
| payments\[N].receiver.bankAccountNumber | Alphanumeric | 34 | M |
| payments\[N].receiver.address.line1 | Free text | 70 | M |
| payments\[N].receiver.address.line2 | Free text | 70 | O |
| payments\[N].receiver.address.city | Free text | 35 | M |
| payments\[N].receiver.address.postalCode | Free text | 16 | M |
| payments\[N].receiver.address.country | ISO 3166-1 alpha-2 | 2 | M |
Example Request:
```json
{
"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-response]
Payment status definitions:
| Status | Description |
| ------------ | ----------------------------------------------------------------------------- |
| `PROCESSING` | Status upon creation. |
| `SUBMITTED` | Payment file uploaded to SCB. Awaiting acknowledgment and final confirmation. |
| `COMPLETED` | Payment confirmed successful by the bank. |
| `FAILED` | Payment rejected by the bank. Check `underlyingErrorMessage` for details. |