Standard SWIFT ISO15022
Vue de détail du message MT104 - Recouvrement direct

Utilisation du message MT104

Conveys direct debit instructions or requests for direct debits between financial institutions

Scope du message MT104

The MT 104 is used to convey customer direct debit instructions and can be:

sent by a non-financial institution account owner, or a party authorised by the account owner, to a financial institution to request the direct debit of the debtor's account with the receiver or with another financial institution, and subsequently to credit the creditor's account maintained by the receiver or one of its branches.
sent by the creditor's bank, or another financial institution, to the debtor's bank, or another financial institution, on behalf of the creditor/instructing party to order the debit of the debtor's account and to collect payment from this account.
sent by a non-financial institution account owner, or a party authorised by the account owner, to a forwarding financial institution to request the direct debit of the debtor's account and subsequently to credit the creditor's account serviced by a financial institution in another country.
sent between two financial institutions on behalf of a creditor/instructing party to request the direct debit of the debtor's account in the Receiver's country and subsequently to credit the creditor's account maintained by the Receiver or one of its branches.

Structure du message MT104

Afficher seulement les champs obligatoires

Séquence A - General information [ obligatoire, non répétitive ]

No.

Tag

Option

Nom

Statut

Sender's Reference

Définition

This field specifies the reference assigned by the Sender to unambiguously identify the message.

Format

16x

21R

Customer Specified Reference

Définition

This field specifies the reference to the entire message assigned by either the:

instructing party, when present or
ordering customer, when the instructing party is not present.

Format

Option R

16x

23E

Instruction Code

Définition

This field identifies the type of the direct debit instructions contained in the message.

Format

Option E

4!c[/30x]

(Type)(Additional Information)

21E

Registration Reference

Définition

This field contains the registration reference authorising a creditor to take part in a direct debit scheme.

Format

Option E

35x

Requested Execution Date

Définition

This field specifies the requested execution date valid for all transactions contained in the MT 104. The requested execution date is the date on which the Sender requests the Receiver to execute all transactions contained in sequence B.

Format

6!n

(Date)

51A

Sending Institution

Définition

This field identifies the Sender of the message.

Format

Option A

[/1!a][/34x]
4!a2!a2!c[3!c]

(Party Identifier)
(Identifier Code)

50a

Instructing Party

Définition

This field specifies the customer which is authorised by the creditor/account servicing institution to order all the transactions in the message.

Format

Option C	4!a2!a2!c[3!c]	(Identifier Code)
Option L	35x	(Party Identifier)

50a

Creditor

Définition

This field specifies the creditor whose account is to be credited with all transactions in sequence B. In case the MT 104 is used under the request for Direct Debit scenario, this account is held at the Receiver. In all other cases, the account is maintained at the Sender or the account servicing institution specified in field 52a.

Format

Option A	[/34x] 4!a2!a2!c[3!c]	(Account) (Identifier Code)
Option K	[/34x] 4*35x	(Account) (Name and Address)

52a

Creditor's Bank

Définition

This field specifies the creditor's bank, even if field 50A or 50K contain an IBAN, which orders all transactions in the message.

Format

Option A	[/1!a][/34x] 4!a2!a2!c[3!c]	(Party Identifier) (Identifier Code)
Option C	/34x	(Party Identifier)
Option D	[/1!a][/34x] 4*35x	(Party Identifier) (Name and Address)

26T

Transaction Type Code

Définition

This field identifies the nature of, purpose of, and/or reason for all transactions in the message, for example, invoices, subscriptions, instalment payments.

Format

Option T

3!c

(Type)

77B

Regulatory Reporting

Définition

This field specifies the codes for the statutory and/or regulatory information required by the authorities in the country of the Receiver and/or the Sender.

Format

Option B

3*35x

(Narrative)

71A

Details of Charges

Définition

This field specifies which party will bear the charges:

under the Direct Debit scenario, for all transactions in the message.
under the Request for Direct Debit scenario, for all subsequent direct debits contained in the message.

Format

Option A

3!a

(Code)

Sender to Receiver Information

Définition

This field specifies additional information for the Receiver, that is, Sender of the original message regarding the reason for a return, that is, reversal, rejection or revocal.

Format

6*35x

(Narrative Structured Format)

Séquence B - Transaction Details [ obligatoire, répétitive ]

No.

Tag

Option

Nom

Statut

Transaction Reference

Définition

This field contains the unique reference for the individual transaction.

Format

16x

23E

Instruction Code

Définition

This field identifies or further specifies the type of direct debit instruction in the same occurrence of sequence B.

Format

Option E

4!c[/30x]

(Type)(Additional Information)

21C

Mandate Reference

Définition

This field contains the reference of the direct debit mandate which has been agreed upon between the creditor and the debtor.

Format

Option C

35x

21D

Direct Debit Reference

Définition

This field further identifies the direct debit transaction.

Format

Option D

35x

21E

Registration Reference

Définition

This field contains the registration reference authorising a creditor to take part in a direct debit scheme.

Format

Option E

35x

32B

Currency and Transaction Amount

Définition

This field specifies the currency and the amount to be debited from the debtor's account, subject to addition of charges if field 71A equals BEN or SHA. The debtor's account is identified in field 59a of the same occurrence of sequence B.

Format

Option B

3!a15d

(Currency)(Amount)

50a

Instructing Party

Définition

This field specifies the customer which is authorised by the creditor/account servicing institution to order the direct debit transaction in this particular occurrence of sequence B.

Format

Option C	4!a2!a2!c[3!c]	(Identifier Code)
Option L	35x	(Party Identifier)

50a

Creditor

Définition

This field specifies the creditor whose account is to be credited with the direct debit transaction in this particular occurrence of sequence B.

Format

Option A	[/34x] 4!a2!a2!c[3!c]	(Account) (Identifier Code)
Option K	[/34x] 4*35x	(Party Identifier) (Name and Address)

52a

Creditor's Bank

Définition

This field specifies the creditor's bank, even if field 50A or 50K contain an IBAN, which orders the transaction in the particular occurrence of sequence B.

Format

Option A	[/1!a][/34x] 4!a2!a2!c[3!c]	(Party Identifier) (Identifier Code)
Option C	/34x	(Party Identifier)
Option D	[/1!a][/34x] 4*35x	(Party Identifier) (Name and Address)

57a

Debtor's Bank

Définition

This field specifies the bank which holds the account(s) of the debtor and which will execute the associated transaction in this occurrence of sequence B. This is applicable even if field 59A or 59 contains an IBAN.

Format

Option A	[/1!a][/34x] 4!a2!a2!c[3!c]	(Party Identifier) (Identifier Code)
Option C	/34x	(Party Identifier)
Option D	[/1!a][/34x] 4*35x	(Party Identifier) (Name and Address)

59A

Debtor

Définition

This field specifies the debtor whose account will be debited according to the direct debit instruction specified in this occurrence of sequence B.

Format

No letter option	[/34x] 4*35x	(Account) (Name and Address)
Option A	[/34x] 4!a2!a2!c[3!c]	(Account) (Identifier Code)

Remittance Information

Définition

This field specifies details of the individual direct debit which are to be transmitted to the debtor.

Format

4*35x

(Narrative)

26T

Transaction Type Code

Définition

This field identifies the nature of, purpose of, and/or reason for the transaction in the particular occurrence of sequence B, for example, invoices, subscriptions, instalment payments.

Format

Option T

3!c

(Type)

77B

Regulatory Reporting

Définition

This field specifies the codes for the statutory and/or regulatory information required by the authorities in the country of the Receiver and/or the Sender.

Format

Option B

3*35x

(Narrative)

33B

Currency/Original Ordered Amount

Définition

This field specifies the original currency and amount as ordered by the creditor when different from the transaction currency and amount specified in field 32B of the same occurrence of sequence B.

Format

Option B

3!a15d

(Currency)(Amount)

71A

Details of Charges

Définition

This field specifies which party will bear the charges:

under the Direct Debit scenario, for the direct debit transaction in this particular occurrence of sequence B.
under the Request for Direct Debit scenario, for the subsequent direct debit transaction in this particular occurrence of sequence B.

Format

Option A

3!a

(Code)

71F

Sender's Charges

Définition

This field specifies the currency and amount of the charges due to the Sender for the individual transaction.

Format

Option F

3!a15d

(Currency)(Amount)

71G

Receiver's Charges

Définition

This field specifies the currency and amount of the charges due to the Receiver for the individual transaction.

Format

Option G

3!a15d

(Currency)(Amount)

Exchange Rate

Définition

This field specifies the exchange rate used to convert the original ordered amount specified in field 33B into the currency of the transaction amount (field 32B) in this occurrence of sequence B.

Format

12d

(Rate)

Séquence C - Settlement Details [ facultative, non répétitive ]

No.

Tag

Option

Nom

Statut

32B

Currency and Settlement Amount

Définition

This field specifies the currency and the total settlement amount.

Format

Option B

3!a15d

(Currency)(Amount)

Sum of Amounts

Définition

This field specifies the sum of all transaction amounts appearing in field 32B in each occurrence of sequence B.

Format

17d

(Amount)

71F

Sum of Sender's Charges

Définition

This field specifies the total amount of the charges due to the Sender.

Format

Option F

3!a15d

(Currency)(Amount)

71G

Sum of Receiver's Charges

Définition

This field specifies the total amount of the charges due to the Receiver.

Format

Option G

3!a15d

(Currency)(Amount)

53a

Sender's Correspondent

Définition

This field specifies, where required, the account or branch of the Sender through which the Sender wants to be reimbursed by the Receiver.

Format

Option A	[/1!a][/34x] 4!a2!a2!c[3!c]	(Party Identifier) (Identifier Code)
Option B	[/1!a][/34x] [35x]	(Party Identifier) (Location)

◄ MT103.STP - Virement à un client

MT105 - Enveloppe EDIFACT ►

Standard SWIFT ISO15022Vue de détail du message MT104 - Recouvrement direct

Utilisation du message MT104

Scope du message MT104

Structure du message MT104

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Standard SWIFT ISO15022
Vue de détail du message MT104 - Recouvrement direct