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Welcome Making it possible
Welcome to Nordea’s webinar for vendors
• SEPA end date is approaching with
increasing pace (October 2016)
• Follow up from the webinar in December
• Corporate customers are depending on
both their banks and their ERP vendors/IT
consultants to become SEPA compliant
• Nordea is committed to support vendors
in your development of bank integration
towards Nordea
• www.nordea.com/vendors
• Newsletters
• Webinars
Webinar organizer:
Mikael Kepp, Vendor relationship management
mikael.kepp@nordea.com
• 31/05/2016
2 • Nordea's XML MIGs
Nordea’s XML MIGs
Speaker:
Per Nordkvist
Global Business Developer
• 31/05/2016
3 • Nordea's XML MIGs
• In theory there is only one standard to
comply with…however there might be
bank specific flavors/categorization
• “formats are easy to manage - just inform
us where the differences are”
• The complete MIGs are available at
www.nordea.com/vendors
• Purpose of today’s webinar is to
proactively support you in developing
bank integration to Nordea’s Corporate
Access
• Per Nordkvist has many years of
experience and knowledge working with
and developing payments and file-based
solutions
Practicalities
• Webinar is being recorded
• Questions are welcome
• Send questions during the presentation
• Use the Question feature on the Dashboard
to the right on your screens
• Per will answer the questions verbally at the
end of the session
• Material will be uploaded to
www.nordea.com/vendors
• Including questions/answers
• Enjoy the webinar
• 31/05/2016
4 • Nordea's XML MIGs
Microphones are
muted
Nordea's XML MIGs
Webinar 31 May 09.00-10.00 CET
Per Nordkvist
30/05/2016
SEPA Compliance
This is a standard
“Chapter Divider“ to
support the agenda
slide
• General information and background to Nordea’s
XML MIGs
• What to pay special attention to in relation to
Nordea’s XML MIGs
• Frequently asked questions about Nordea’s XML
MIGs
Background - launching Nordea Corporate Access
1. Regulatory compliance
• SEPA End Date for non-euro countries 31st of October 2016
2. Technology & architecture
• Simplification need within Nordea’s many file transfer solutions
3. Commercial
• Customer demand for an updated and harmonized Nordea channel offering
• 31/05/2016
7 • Nordea's XML MIGs
Nordea’s Corporate Access XML MIGs
Nordea’s MIGs are constructed as recommended by local Nordic/Baltic Bankers Associations.
Note: Current “SEPA” MIG as used by “in-Euro”
countries do not cover domestic payment types
within the Nordic area, i.e. ERP’s & customer’s
must adhere to Nordea’s guidelines (MIGs).
Mandatory impact
High impact
Medium impact
Impact on
Nordea’s
MIGs
• 31/05/2016
8 • Nordea's XML MIGs
• All payment types for Denmark, Norway & Sweden *
• Domestic and International, supplier, salaries, pensions, taxes and
intercompany payments
• All currencies
• Supports all currencies and payments from currency accounts
• One format
• ISO20022 XML * *
• pain.001.001.03
• pain.002.001.03
• camt.054.001.02D
• Communication methods
• H2H (AS2, FTP/VPN, SFTP, SWIFTNet FileAct & Webservices * * *)
• Corporate Netbank File Transfer
* = Finland & Baltics planned for 2017
* * = camt.055.001.01 (Cancellation) & camt.029.001.03 (Resolution Of Investigation) to be offered Q4 2016
* * * = Webservices to be launched Q3 2016
1
Corporate Access
• 31/05/2016
9 • Nordea's XML MIGs
This is a standard
“Chapter Divider“ to
support the agenda
slide
• General information and background to Nordea’s
XML MIGs
• What to pay special attention to in relation to
Nordea’s XML MIGs
• Frequently asked questions about Nordea’s XML
MIGs
Nordea MIGs – related to local Nordic/Baltic Bankers
Associations MIGs
• Nordea is, to a large extent, following the recommendations in the MIGs
made by each Local Nordic/Baltic Bankers Association. Some of the fields
included is however categorized as Bilaterally Determined (BD) fields.
• This document contains high level information/summary on use of the
Bilaterally Determined (BD) fields in the pain.001.001.03 as defined by the
local Nordic/Baltic Bankers Associations MIGs when integrating towards
Nordea.
• The document is just meant to give vendors an indication of fields to be
especially aware of. For the detailed information, please see the MIG on
nordea.com
• www.nordea.com/vendors
• BD fields available by local Nordic/Baltic Bankers Association MIGs, but
not used by Nordea will just be ignored.
• 31/05/2016
11 • Nordea's XML MIGs
Use of BD fields on Group Header level
• Not used
• Group Header/Authorisation/Proprietary
• Optional/conditional to use
• Control Sum (Note: If used it will be validated by Nordea)
• Initiating Party/Name
• Initiating Party/Identification/Organisation Identification/BICOrBEI
• Required
• Initiating Party/Identification/Organisation Identification
• Other/Identification: Customer Id as assigned by Nordea, also referred to as
“Signer ID”. Can be connected to digital certificate used to secure the file using
Secure Envelope. Note: Must be used when H2H file communication used, except
for SWIFTNet FileAct.
• Scheme Name/Code: CUST
1.0 GroupHeader <GrpHdr> [1..1] GroupHeader32
• 31/05/2016
12 • Nordea's XML MIGs
Use of BD fields in Payment Information level
• Optional/conditional
• BatchBooking: Optional to use for domestic payments from Denmark & Norway. Optional
to use for cross-border payments from Sweden. Default if not sent or used:
• Domestic payments = Batch booking
• Cross-border payments = Single booking
• ControlSum (Note: If used it will be validated by Nordea)
• Instruction Priority
• Not used
• Payment Information
• Debtor/dentification/Organisation Identification/BICOr BEI
• Required
• Debtor/Identification/Organisation Identification/Other
• Identification: Customer agreement identification number as assigned by Nordea
• SchemeName/Code: BANK
• Debtor Account
• Identification/Other/Scheme Name/Code (If not IBAN used)
• Currency (always)
2.0 PaymentInformation <PmtInf> [1..n] PaymentInstructionInformation3
• 31/05/2016
13 • Nordea's XML MIGs
Use of BD fields in Credit Transfer Transaction
Information level
• Required
• Creditor Account (if used)
• Identification/Other/Scheme Name/Code (If not IBAN used)
• Optional/conditional
• Instruction Identification
• Exchange Rate Information (rate, type, contract id)
• Charge Bearer
• Cheque Instruction
• Cheque Type must be used if Payment method “CHK”
• Note: Delivery Method/Code can be omitted
• Intermediary Agent 1
• BIC
• Not used
• Instruction Priority
• Instruction For Creditor Agent
2.27 CreditTransferTransactionInformation <CdtTrfTxInf> [1..n] CreditTransferTransactionInformation10
• 31/05/2016
14 • Nordea's XML MIGs
This is a standard
“Chapter Divider“ to
support the agenda
slide
• General information and background to Nordea’s
XML MIGs
• What to pay special attention to in relation to
Nordea’s XML MIGs
• Frequently asked questions about Nordea’s XML
MIGs
Nordea’s XML MIGs – Frequently asked questions…1/2
• No, the payment will not be rejected. There are other values in the payment that will determine if a payment is a SEPA transaction, or not, such as currency, country code, etc. Nordea will always equalize the handling of code “SEPA” as “NURG”
If I use code “SEPA” in <PmtTpInf>, but the payment is aimed for Denmark (or USA), will Nordea reject this payment, because I have not used code “NURG”?
• SEPA End-data regulation requires only IBAN and no bank details for beneficiary account for EURO payments within the EU/EES area. Nordea has chosen, in order to simplify for customers, to apply the same rule for all currencies for payments within EU/EES area.
Why can’t I use bank clearing code (Sort code) for beneficiary bank when making payments to UK?
• Yes, it is possible to mix different payment currencies towards beneficiaries through Corporate Access.
Will I be able to send all payments in the same message, i.e. <PmtInf>, for example both EUR and US currency.
• Generally No, but there is always a limit when it comes to communication protocols. Nordea recommends that the file doesn’t contain more than 3.000 “batches” (<PmtInf>), with a maximum of 10.000 transactions per “batch”. i.e. not more than 30 million transactions.
Is there a maximum file size/transaction size of the XML when sending the file to Nordea?
• 31/05/2016
16 • Nordea's XML MIGs
Nordea’s XML MIGs – Frequently asked questions…2/2
• These ID’s are set by the customer, they have to be unique, and will be duplicate controlled by Nordea for a min. period of 90 calendar days.
For <MsgID>, <PmtInfId> and <EndToEndId> do I choose these ID’s or are these ID’s provided by Nordea?
• Payments received by Nordea after cut-off time, will normally be executed the following banking day.
• Note: Some exceptions exist, example: Salary/Pension payments Sweden, which will be rejected after cut-off time.
What happens if a payment is sent after cut-off time? Will it be rejected?
• This is a SEPA payment (i.e. cross-border payment). If payment currency is EUR and beneficiary within EU/EES area – then it is a SEPA payment.
We have the following scenario: Debtor account = NOK; Beneficiary is in Norway and holds an IBAN account; Payment currency = EUR. What payment type is this?
• Yes – credit notes can be specified under <Strd> by using code “CREN” + reference/number and amount.
• Note: Min. one “CINV” (debet invoice) must be present when using credit notes and total amount may not result in a credit.
Can we handle credit notes via your service in XML format?
• 31/05/2016
17 • Nordea's XML MIGs
• A “tip” and “reminder” before the end of this
Webinar
This is a standard
“Chapter Divider“ to
support the agenda
slide
Nordea’s Corporate Access XML Test Tool – your support
Nordea are providing a web-based Test Tool, which will enable customers and
ERP vendors to:
Check correct syntax
New: Enable to see the message structure via the UI, including the
possibility to download the syntax /compliance result, pain.002, as a file
Validate general ISO/CGI business rules
Validate Nordea specific business rules
New: Enable to see the message structure via the UI, including the
possibility to download the status report result, pain.002, as a file
New: Receive information about how the camt.054 report will look like
including possibility to download the debit advice result as a file (Will be launched
10 June, 2016)
May be downloaded
as files (pain.002 &
camt.054)
• 31/05/2016
19 • Nordea's XML MIGs
Corporate Access
Note: Nordea’s new file-based payment services will for the future replace all
current file-based payment offerings (incl. formats)
XML
XML
XML XML
XML
XML
XML
File based payments in EUR
only available in ISO20022 XML
after 31 October 2016
• 31/05/2016
20 • Nordea's XML MIGs
Closing remarks
• Recap of today’s information:
• Recorded session &
questions/answers will uploaded to
www.nordea.com/vendors
• Contact erpsupport@nordea.com for
support, e.g. regarding:
• Documentation
• Testing tool
• 31/05/2016
21 • Nordea's XML MIGs
Making it possible nordea.com/vendors
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