General topics
Answers to your questions
Overview of issues
Overview of issues
You can find all relevant information on the upcoming changes to payment transactions and on ISO 20022 at www.ubs.com/iso.
pain.001 is a message from the bank to the customer used for the electronic commissioning of payment orders. This message is called the “Customer Credit Transfer Initiation.”
pain.002 is an error or status message from the bank to the customer regarding payment- or collection orders. This message is called “Customer Payment Status Report."
pain.008 is a message from the customer to the bank used for the electronic commissioning of collection (direct debit) orders. This message is called “Customer Direct Debit Initiation."
For further details please consult the UBS Implementation Guidelines for the corresponding format (www.ubs.com/iso):
- Swiss Direct Debit (pain.008-CHTA)
- SEPA Direct Debit (Swiss Payment Standards)
The electronic account statement camt.053 displays account transactions that have definitively been booked, as well as current and future account balances. The camt.053 is relevant for accounting and, thanks to its electronic form, allows for automatic reconciliation of financial accounting.
The camt.053 is a daily account statement generated in each case after daily back-up, and is reliably available the next business day. It is possible to receive messages either all of the time or if transactions have been made.
The camt.054 (Bank-to-Customer Debit Credit Notification) is an XML Syntax-based report that serves many purposes. The message offers both a detailed display of collective bookings and individual credit notifications and charges.
The following camt.054 messages are offered by UBS:
- External collective booking details of account statement camt.053 or account report camt.052
- Separate collective booking details for BESR/LSV (replacement for v11 BESR-Data sets and Type 3 LSV data sets)
- Credit and debit advice (planned for 2018)
External collective booking details with camt.054 are independent of, and in addition to, the possible uses of camt.054 for credit and debit advice.
In the case of collective booking details, camt.054 is equivalent to v11 ESR credit note data sets and LSV credit note data sets. As credit and debit advice, camt.054 is equivalent to the existing SWIFT MT 900 / MT 910 reports.
The camt.052 electronic account report offers detailed information on account movements that have not yet been booked and delivers current information about pending payment flows throughout the day. The camt.052 is an ideal instrument for optimal cash management.
The camt.052 is an Intraday account report, which can be configured with different order intervals. By default, the camt.052 is issued three times a day at the following times: 7.00, 11.00 and 15.00. However, intervals may be customized – at most to 15-minute intervals. The message can be triggered either all of the time or only when transactions have been made.
The camt.052 account report is for all intents and purposes comparable to SWIFT MT 942.
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