Credit Suisse Best Practice Guide

for manufacturers
of payment software

CREDIT SUISSE (Switzerland) Ltd.

Software Partner Management
August 2022

Public
Guide Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Index

0 Guide
Description of the Credit Suisse Best Practice Guide 3 Channels
Credit Suisse connectivity solutions for your software
▪ Index ▪ Find recommended channels
▪ About the Best Practice Guide ▪ Channel functions
▪ Standard and fiduciary set-up

1 Overview
Credit Suisse file-based payment transfer landscape
4 Formats
▪ Channel timeline and specifications Credit Suisse format offering for payment files
▪ Format timeline and specifications ▪ Find recommended formats
▪ Credit transfer
▪ Direct debit
2 Use cases
Creation and matching of payment files with Credit Suisse
▪ Status report
▪ Reporting
▪ Overall flow
▪  Debit – Create pain.001
▪  Debit – Match pain.002
▪  Debit – Reconcile camt.053/MT940
5 Testing
Credit Suisse testing & listing offering
▪  Credit – Reconcile camt.054/V11 ▪ List of compatible software
▪  Credit – Reconcile camt.053/MT940 ▪ Channel testing
▪  Credit – Reconcile return/reject ▪ Format testing

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 2
Guide Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

About the Best Practice Guide

Purpose
This guide describes the best practice for payment transaction use cases between your software and Credit Suisse.

Main changes to the last version (January 2022)

Pages 52/53 camt.052 full report instead of camt.054 debit/credit advice
Document Inpayment slips removed

Abbrevations
BR Swiss Payment Standards: Swiss Business Rules V2.9 (Link)
BTC Bank Transaction Code listed at IG camt
EDS Electronic Distributed Signature: non-standard decentralized signature set-up for EBICS
ES Electronic Signature: standard corporate shield set-up for EBICS
IG camt Swiss Payment Standards: Implementation Guidelines for Cash Management V1.7.2/2.0 (Link)
IG pain.001 Swiss Payment Standards: Implementation Guidelines for Credit Transfers V1.11/2.0 (Link)
IG pain.002 Swiss Payment Standards: Implementation Guidelines for Status Reports V1.1/2.0 (Link)
MIG camt.05x Credit Suisse Message Implementation Guidelines for Cash Management (Link)
MIG pain.001 Credit Suisse Message Implementation Guidelines for Credit Transfers (Link)
PT Payment type as described in IG pain.001
SME Small and medium enterprises

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 3
Overview

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 4
Overview Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Credit Suisse channel timeline

Credit Suisse channels 2021 2022 2023 2024 2025

1Q
2Q
3Q
4Q
1Q
2Q
3Q
4Q
1Q
2Q
3Q
4Q
1Q
2Q
3Q
4Q
1Q
2Q
3Q
4Q
Manual Credit Suisse Direct Details see pages 80-82
Semi Credit Suisse Direct DXI Details see pages 80-82
automatic bLink Details see pages 80-82
Direct Link Details see pages 80-82
Automatic Direct Exchange Details see pages 80-82
SWIFT FileAct Details see pages 80-82

Manual: manual login, manual file transfer

Semi automatic: manual login or signature, automatic file transfer
Automatic: automatic login, automatic file transfer

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 5
Overview Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Credit Suisse channel specifications

Credit Suisse channels Owner Specifications

Manual Credit Suisse Direct Credit Suisse None

Semi Credit Suisse Direct DXI Credit Suisse Contact [email protected]
automatic bLink SIX Contact SIX at six-group.com/blink
Direct Link Credit Suisse Contact [email protected]
Automatic Direct Exchange Credit Suisse Contact [email protected]
SWIFT FileAct SWIFT Contact [email protected]

Manual: manual login, manual file transfer

Semi automatic: manual login or signature, automatic file transfer
Automatic: automatic login, automatic file transfer

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 6
Overview Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Credit Suisse format timeline

Messages 2021 2022 2023 2024 2025

1Q
2Q
3Q
4Q
1Q
2Q
3Q
4Q
1Q
2Q
3Q
4Q
1Q
2Q
3Q
4Q
1Q
2Q
3Q
4Q
Credit x-fer pain.001 Available at Credit Suisse, details see page 91
TA875 LSV/BDD Available at Credit Suisse, details see page 95
Direct debit
pain.008 SDD Available at Credit Suisse, details see page 95
Status pain.002 Available at Credit Suisse, details see page 96
Intraday camt.052 Available at Credit Suisse, details see page 97
reporting MT942 Available at Credit Suisse, details see page 97
Account camt.053 Available at Credit Suisse, details see page 98
statement MT940 Available at Credit Suisse, details see page 98
Collective camt.054 LSV/BDD* Available at Credit Suisse, details see page 100
credit V11 LSV/BDD* Available at Credit Suisse, details see page 100
breakdown camt.054 QR Available at Credit Suisse, details see page 101

New formats: Legacy formats: * Former BISR/LSV

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 7
Overview Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Credit Suisse format specifications

Messages Specifications

Credit x-fer pain.001 Depending on market practice, see page 90

TA875 LSV/BDD www.lsv.ch
Direct debit
pain.008 SDD Depending on market practice, see page 90
Status pain.002 Depending on market practice, see page 90
Intraday camt.052 Depending on market practice, see page 90
reporting MT942 Contact [email protected]
Account camt.053 Depending on market practice, see page 90
statement MT940 See footnote 1
Collective camt.054 LSV/BDD Depending on market practice, see page 90
credit V11 LSV/BDD Contact [email protected]
breakdown camt.054 QR Depending on market practice, see page 90
1 https://www.credit-suisse.com/media/assets/private-banking/docs/ch/unternehmen/kmugrossunternehmen/elektronischer-kontoauszug-en.pdf

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 8
Use cases

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 9
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Overall flow for credit transfer

Debits Credits References for reconciliation:

Point-to-point references
Debtor Creditor (between sender and receiver
QR-bill QR reference of a payment phase, e.g.
or debtor to debtor agent)
Creditor Software Invoice RmtInf Debtor Software MsgId
PmtInfId
InstrId
MT940
pain.001 MsgId/PmtInfId/InstrId

pain.002 MsgId/PmtInfId/InstrId

camt.053 MsgId/PmtInfId/InstrId

camt.053 RmtInf/EndToEndId
MT940
camt.054 QR
End-to-end references
RmtInf/EndToEndId/QR ref

(between debtor and creditor)

RmtInf
EndToEndId, Return Info
PmtInfId/InstrId
EndToEndId

EndToEndId, Return Info

RmtInf/EndToEndId
QR reference
EndToEndId

QR reference
pacs.004 pacs.004
Return Info Return Info

pacs.008 pacs.008
Debtor Agent RmtInf Clearing Platform RmtInf Creditor Agent
EndToEndId EndToEndId
QR reference QR reference

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 10
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Debits – all cases

 Create pain.001 from QR-bill or invoice

Debits ISO ISO
V2009 V2019
PT 3 PT D Domestic CHF/EUR payment, see pages 13-16
Debtor
 QR-bill with QR-bill
or as common special case,
Creditor Software Invoice see pages 17-25 for details
   PT 4 PT X Domestic non CHF/EUR payment, see pages 26-29
MT940
pain.001

pain.002

camt.053

PT 5 PT S Crossborder SEPA payment, see pages 30-33

PT 6 PT X Crossborder non SEPA payment, see pages 34-44
PT 8 PT C Print and send check, see pages 45-48

 Match pain.002 data with pain.001 data, see page 59

 Reconcile account statement (camt.053 or MT940)
or intraday report (camt.052 or MT942)
with pain.001 data, see page 61

Debtor Agent

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 11
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001
▪ The following tables are suggestions for the different payment types in addition to the IG pain.001 and MIG
pain.001
▪ The green rows mark notable differences to PT 3 or D domestic CHF/EUR (pages 13-16).
Tags which are not applicable for a certain payment type are not listed (i.e. these missing tags are not marked with
green rows).
▪ Maximum length for pain.001 file name at Credit Suisse is 30 characters, including the extension/suffix.
▪ Payment types 1 and 2 will be decommissioned on September 30, 2022.
▪ From November 2022 to November 2024, there is a transition period from ISO 20022 version 2009 ISO V2009
(pain.001.001.03) to ISO 20022 version 2019 (pain.001.001.09) ISO V2019 , the payment types will change:
payment type 3 → payment type D (for domestic)
payment type 4 → payment type X (for cross-border) version 1
payment type 5 → payment type S (for SEPA)
payment type 6 → payment type X (for cross-border) version 2
payment type 8 → payment type C (for checks)

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 12
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT 3 domestic CHF/EUR (1/2)

Level Req. PT Req. Element Example Comments
A M Group Header
A M +Message ID MsgId-ae33f114fh Unique as long as possible
A M +Creation Date Time 2019-01-09T08:02:37
A M +Number of Transactions 1 Mandatory on A-level, optional B-level
A R +Control Sum 8479.25 Recommended on A-level, optional on B-level
A M +Initiating Party
A R ++Name Rutschmann Pia Real name of the debtor account holder
A R ++Contact Details
A R +++Name VerybestERP/Bestsoftware SA Please insert software name, slash and software vendor name to improve support of our mutual clients
A R +++Other 4.0.1329.01 Please insert software version to improve support of our mutual clients
B M Payment Information
B M +Payment Information ID InfId-0000035005
B M +Payment Method TRF Or TRA
B O +Batch Booking true Or false; if the element is not present, the default setting of «true» will be applied during processing
B O +Payment Type Information
B B ++Instruction Priority HIGH For payments at Credit Suisse after 12.00 noon CET, charges apply
B M +Requested Execution Date 2019-01-09
B M +Debtor
B R ++Name Max Beispieler
B M +Debtor Account
B M ++ID
B R +++IBAN CH3704835833740031000 IBAN mandatory for pain.001 at Credit Suisse
B O ++Type
B D +++Proprietary CND Or SIA, CWD, NOA
B M +Debtor Agent Credit Suisse takes the Debtor Agent from the Debtor Account IBAN
B M ++Financial Institution ID
B D +++BIC CRESCHZZ80A See IG pain.001 for alternative with IID and CHBCC.

Legend: Req.=Requirement, M=Mandatory, R=Recommended, O=Optional, D=Dependent, B=Bilateral Agreement. Example only, for details see IG pain.001 and MIG pain.001.

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 13
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT 3 domestic CHF/EUR (2/2)

Level Req. PT Req. Element Example Comments
C M Credit Transfer Trx Info
C M +Payment ID
C R ++Instruction ID InstrId-000035007
C M ++End to End ID E2E-ABC-035007
C M +Amount
C D ++Instructed Amount CHF 8479.25 Or Equivalent Amount. CHF or EUR only.
C D M +Creditor
C M ++Name Muster AG
C O ++Postal Address See IG pain.001 for alternative address formats
C R +++Street Name Bahnhofstrasse
C R +++Building Number 5
C D +++Post Code 8001
C D +++Town Name Zuerich
C D +++Country CH
C D M +Creditor Account
C D D ++ID
C D D +++IBAN CH3808888123456789012 With Creditor Account ID IBAN no Creditor Agent required. See IG pain.001 for alternatives.
C O +Remittance Information
C D ++Unstructured Rechnung Nr. 7496 Or Structured, see IG pain.001.

Legend: Req.=Requirement, M=Mandatory, R=Recommended, O=Optional, D=Dependent, B=Bilateral Agreement. Example only, for details see IG pain.001 and MIG pain.001.

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 14
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT D domestic CHF/EUR (1/2)

Level Req. PT Req. Element Example Comments
A M Group Header
A M +Message ID MsgId-ae33f114fh Unique as long as possible
A M +Creation Date Time 2019-01-09T08:02:37
A M +Number of Transactions 1 Mandatory on A-level, optional B-level
A R +Control Sum 8479.25 Recommended on A-level, optional on B-level
A M +Initiating Party
A R ++Name Rutschmann Pia Real name of the debtor account holder
A R ++Contact Details Please use to improve support of our mutual clients
A R +++Other
A M ++++Channel Type NAME
A M ++++Identification VerybestERP Name of the software solution
A R +++Other
A M ++++Channel Type PRVD
A M ++++Identification Bestsoftware SA Name of the software manufacturer
A R +++Other
A M ++++Channel Type VRSN
A M ++++Identification 4.0.1329.01 Software version
A R +++Other
A M ++++Channel Type SPSV
A M ++++Identification 0201 SPS IG version
B M Payment Information
B M +Payment Information ID InfId-0000035005
B M +Payment Method TRF
B O +Batch Booking true Or false; if the element is not present, the default setting of «true» will be applied during processing
B O +Payment Type Information
B B ++Instruction Priority HIGH For payments at Credit Suisse after 12.00 noon CET, charges apply
B M +Requested Execution Date
B D ++Date 2019-01-09 Date Time not supported by Credit Suisse
B M +Debtor
B R ++Name Max Beispieler
Legend: Req.=Requirement, M=Mandatory, R=Recommended, O=Optional, D=Dependent, B=Bilateral Agreement. Example only, for details see IG pain.001 and MIG pain.001.

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 15
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT D domestic CHF/EUR (2/2)

Level Req. PT Req. Element Example Comments
B M +Debtor Account
B M ++ID
B R +++IBAN CH3704835833740031000 IBAN mandatory for pain.001 at Credit Suisse
B O ++Type
B D +++Proprietary CND Or SIA, CWD, NOA
B M +Debtor Agent Credit Suisse takes the Debtor Agent from the Debtor Account IBAN
B M ++Financial Institution ID
B D +++BICFI CRESCHZZ80A See IG pain.001 for alternative with IID and CHBCC.
C M Credit Transfer Trx Info
C M +Payment ID
C R ++Instruction ID InstrId-000035007
C M ++End to End ID E2E-ABC-035007
C B ++UETR For future use of gpi payment tracking
C M +Amount
C D ++Instructed Amount CHF 8479.25 Or Equivalent Amount. CHF or EUR only.
C M +Creditor
C M ++Name Muster AG
C O ++Postal Address See IG pain.001 for alternative address formats
C R +++Street Name Bahnhofstrasse
C Req.=Requirement,
Legend: R +++Building R=Recommended,
M=Mandatory, Number 5O=Optional, D=Dependent, B=Bilateral Agreement
Example
C only,
R for details see IG pain.001 and
+++Post Code MIG pain.001. 8001
C R +++Town Name Zuerich
C R +++Country CH
C D M +Creditor Account
C M M ++ID
C D D +++IBAN CH3808888123456789012 With Creditor Account ID IBAN no Creditor Agent required. See IG pain.001 for alternatives.
C O +Remittance Information
C D ++Unstructured Rechnung Nr. 7496 Or Structured, see IG pain.001.

Legend: Req.=Requirement, M=Mandatory, R=Recommended, O=Optional, D=Dependent, B=Bilateral Agreement. Example only, for details see IG pain.001 and MIG pain.001.

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 16
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT 3 domestic QR-bill (1/4)

Level Req. PT Req. Element Example Comments QR elements
A M Group Header
A M +Message ID MsgId-ae33f114fi Unique as long as possible
A M +Creation Date Time 2019-01-09T08:02:37
A M +Number of Transactions 1 Mandatory on A-level, optional B-level
A R +Control Sum 8479.25 Recommended on A-level, optional on B-level
A M +Initiating Party
A R ++Name Rutschmann Pia Real name of the debtor account holder
A R ++Contact Details
A R +++Name VerybestERP/Bestsoftware SA Please insert software name, slash and software vendor name
A R +++Other 4.0.1329.01 Please insert software version
B M Payment Information
B M +Payment Information ID InfId-0000035005
B M +Payment Method TRF Or TRA
B O +Batch Booking true Or false
B O +Payment Type Information
B B ++Instruction Priority HIGH For payments at Credit Suisse after noon CET, charges apply
B M +Requested Execution Date 2019-01-09
B M +Debtor
B R ++Name Max Beispieler
B M +Debtor Account
B M ++ID
B R +++IBAN CH3704835833740031000 IBAN mandatory for pain.001 at Credit Suisse
B O ++Type
B D +++Proprietary CND Or SIA, CWD, NOA
B M +Debtor Agent Credit Suisse takes the Debtor Agent from Debtor Acct IBAN
B M ++Financial Institution ID
B D +++BIC CRESCHZZ80A See IG pain.001 for alternative with IID and CHBCC.

Legend: Req.=Requirement, M=Mandatory, R=Recommended, O=Optional, D=Dependent, B=Bilateral Agreement. Example only, for details see IG pain.001 and MIG pain.001.

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 17
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT 3 domestic QR-bill (2/4)

Level Req. PT Req. Element Example Comments QR elements
B O M +Ultimate Debtor
B O M ++Name Fritz Mueller +UltmtDbtr ++Name
B O M ++Postal Address See IG pain.001 for alternative address formats*
B R +++Street Name Rosenweg +UltmtDbtr ++StrtNmOrAdrLine1
B R +++Building Number 6 +UltmtDbtr ++BldgNbOrAdrLine2
B D +++Post Code 3110 +UltmtDbtr ++PstCd
B D +++Town Name Muensingen +UltmtDbtr ++TwnNm
B D +++Country CH +UltmtDbtr ++Ctry
C M Credit Transfer Trx Info
C M +Payment ID
C R ++Instruction ID InstrId-000035008
C M ++End to End ID E2E-ABC-035008
C M +Amount
C D ++Instructed Amount CHF 8479.25 CHF or EUR only. Amt Ccy
C D M +Creditor
C M ++Name Muster AG +CdtrInf ++Cdtr +++Name
C O ++Postal Address See IG pain.001 for alternative address formats*
C R +++Street Name Bahnhofstrasse +CdtrInf ++Cdtr +++StrtNmOrAdrLine1
C R +++Building Number 5 +CdtrInf ++Cdtr +++BldgNbOrAdrLine2
C D +++Post Code 8001 +CdtrInf ++Cdtr +++PstCd
C D +++Town Name Zuerich +CdtrInf ++Cdtr +++TwnNm
C D +++Country CH +CdtrInf ++Cdtr +++Ctry
C D M +Creditor Account
C D D ++ID
C D M +++IBAN CH5031000012345678009 Variant QRR: QR-IBAN required, no Creditor Agent required. +CdtrInf ++IBAN
Other variants: IBAN required, no Creditor Agent required.

* Caution: the QR-bill can also provide unstructured addresses,

these must result in unstructured addresses in pain.001.

Legend: Req.=Requirement, M=Mandatory, R=Recommended, O=Optional, D=Dependent, B=Bilateral Agreement. Example only, for details see IG pain.001 and MIG pain.001.

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 18
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT 3 domestic QR-bill (3/4)

Remittance Information variant with QR reference (QRR)
Level Req. PT Req. Element Example Comments QR elements
C O +Remittance Information
C D M ++Structured
C D M +++Creditor Reference Info
C D M ++++Type
C M +++++Code or Proprietary
C D M ++++++Proprietary QRR +RmtInf ++Tp
C D M ++++Reference 210000000003139471430009017 QR reference +RmtInf ++Ref
C O +++Additional Remit. Info Use once +RmtInf ++Ustrd

Remittance Information variant with ISO 11649 Creditor Reference (SCOR)

Level Req. PT Req. Element Example Comments QR elements
C O +Remittance Information
C D M ++Structured
C D M +++Creditor Reference Info
C D M ++++Type
C M +++++Code or Proprietary
C D M ++++++Code SCOR +RmtInf ++Tp
C D M ++++Reference RF18000000000539007547034 ISO 11649 creditor reference +RmtInf ++Ref
C O +++Additional Remit. Info Use once +RmtInf ++Ustrd

Remittance Information variant without reference

Level Req. PT Req. Element Example Comments QR elements
C O +Remittance Information
C D M ++Unstructured +RmtInf ++Ustrd

Legend: Req.=Requirement, M=Mandatory, R=Recommended, O=Optional, D=Dependent, B=Bilateral Agreement. Example only, for details see IG pain.001 and MIG pain.001.

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 19
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT 3 domestic QR-bill (4/4)

Note: Paying a QR-bill with pain.001 is a special case of PT 3.

Caution: the QR-bill can provide structured or unstructured addresses,

these must result in structured or unstructured addresses in pain.001, respectively.

Caution: Creditor data must match the bank’s master data.

The QR-bill was created to serve the Swiss anti money laundering requirements. As a result, financial institutions will
increasingly check whether the names and addresses of the accounts payable that appear on the QR-bill match the
corresponding bank master data.
For payees, this is easy to see when creating a QR-bill.
However, for payers, this process becomes problematic if an accounts payable module does not draw on the
information given in the QR code but rather on out-of-date master data. For payments via ISR, this issue has so far
been of no significance due to this data not being transmitted.

Note: Be aware of the QR-bill pain.001 camt.05x

following dependencies: QR Code:
light blue = optional Ultimate Debtor Ultimate Debtor Ultimate Debtor
dark blue = mandatory
Text: Payable by

Debtor
CS replaces this Debtor
with account holder

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 20
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT D domestic QR-bill (1/5)

Level Req. PT Req. Element Example Comments QR elements
A M Group Header
A M +Message ID MsgId-ae33f114fi Unique as long as possible
A M +Creation Date Time 2019-01-09T08:02:37
A M +Number of Transactions 1 Mandatory on A-level, optional B-level
A R +Control Sum 8479.25 Recommended on A-level, optional on B-level
A M +Initiating Party
A R ++Name Rutschmann Pia Real name of the debtor account holder
A R ++Contact Details Please use to improve support of our mutual clients
A R +++Other
A M ++++Channel Type NAME
A M ++++Identification VerybestERP Name of the software solution
A M +++Other
A M ++++Channel Type PRVD
A M ++++Identification Bestsoftware SA Name of the software manufacturer
A M +++Other
A M ++++Channel Type VRSN
A M ++++Identification 4.0.1329.01 Software version
A M +++Other
A M ++++Channel Type SPSV
A M ++++Identification 0201 SPS IG version
B M Payment Information
B M +Payment Information ID InfId-0000035005
B M +Payment Method TRF
B O +Batch Booking true Or false
B O +Payment Type Information
B B ++Instruction Priority HIGH For payments at Credit Suisse after noon CET, charges apply
B M +Requested Execution Date
B D ++Date 2019-01-09 Date Time not supported by Credit Suisse
B M +Debtor
B R ++Name Max Beispieler
Legend: Req.=Requirement, M=Mandatory, R=Recommended, O=Optional, D=Dependent, B=Bilateral Agreement. Example only, for details see IG pain.001 and MIG pain.001.

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 21
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT D domestic QR-bill (2/5)

Level Req. PT Req. Element Example Comments QR elements
B M +Debtor Account
B M ++ID
B R +++IBAN CH3704835833740031000 IBAN mandatory for pain.001 at Credit Suisse
B O ++Type
B D +++Proprietary CND Or SIA, CWD, NOA
B M +Debtor Agent Credit Suisse takes the Debtor Agent from Debtor Acct IBAN
B M ++Financial Institution ID
B D +++BICFI CRESCHZZ80A See IG pain.001 for alternative with IID and CHBCC.
B O M +Ultimate Debtor
B O M ++Name Fritz Mueller +UltmtDbtr ++Name
B O M ++Postal Address See IG pain.001 for alternative address formats*
B R +++Street Name Rosenweg +UltmtDbtr ++StrtNmOrAdrLine1
B R +++Building Number 6 +UltmtDbtr ++BldgNbOrAdrLine2
B D +++Post Code 3110 +UltmtDbtr ++PstCd
B D +++Town Name Muensingen +UltmtDbtr ++TwnNm
B D +++Country CH +UltmtDbtr ++Ctry

Legend: Req.=Requirement, M=Mandatory, R=Recommended, O=Optional, D=Dependent, B=Bilateral Agreement. Example only, for details see IG pain.001 and MIG pain.001.

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 22
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT D domestic QR-bill (3/5)

Level Req. PT Req. Element Example Comments QR elements
C M Credit Transfer Trx Info
C M +Payment ID
C R ++Instruction ID InstrId-000035008
C M ++End to End ID E2E-ABC-035008
C M +Amount
C B ++UETR For future use of gpi payment tracking
C D ++Instructed Amount CHF 8479.25 CHF or EUR only. Amt Ccy
C M +Creditor
C M ++Name Muster AG +CdtrInf ++Cdtr +++Name
C O ++Postal Address See IG pain.001 for alternative address formats*
C R +++Street Name Bahnhofstrasse +CdtrInf ++Cdtr +++StrtNmOrAdrLine1
C R +++Building Number 5 +CdtrInf ++Cdtr +++BldgNbOrAdrLine2
C D +++Post Code 8001 +CdtrInf ++Cdtr +++PstCd
C D +++Town Name Zuerich +CdtrInf ++Cdtr +++TwnNm
C D +++Country CH +CdtrInf ++Cdtr +++Ctry
C D M +Creditor Account
C M M ++ID
C D D +++IBAN CH5031000012345678009 Variant QRR: QR-IBAN required, no Creditor Agent required. +CdtrInf ++IBAN
Other variants: IBAN required, no Creditor Agent required.

* Caution: the QR-bill can also provide unstructured addresses,

these must result in unstructured addresses in pain.001.

Legend: Req.=Requirement, M=Mandatory, R=Recommended, O=Optional, D=Dependent, B=Bilateral Agreement. Example only, for details see IG pain.001 and MIG pain.001.

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 23
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT D domestic QR-bill (4/5)

Remittance Information variant with QR reference (QRR)
Level Req. PT Req. Element Example Comments QR elements
C O +Remittance Information
C D M ++Structured
C D M +++Creditor Reference Info
C D M ++++Type
C M +++++Code or Proprietary
C D M ++++++Proprietary QRR +RmtInf ++Tp
C D M ++++Reference 210000000003139471430009017 QR reference +RmtInf ++Ref
C O +++Additional Remit. Info Use once +RmtInf ++Ustrd

Remittance Information variant with ISO 11649 Creditor Reference (SCOR)

Level Req. PT Req. Element Example Comments QR elements
C O +Remittance Information
C D M ++Structured
C D M +++Creditor Reference Info
C D M ++++Type
C M +++++Code or Proprietary
C D M ++++++Code SCOR +RmtInf ++Tp
C D M ++++Reference RF18000000000539007547034 ISO 11649 creditor reference +RmtInf ++Ref
C O +++Additional Remit. Info Use once +RmtInf ++Ustrd

Remittance Information variant without reference

Level Req. PT Req. Element Example Comments QR elements
C O +Remittance Information
C D M ++Unstructured +RmtInf ++Ustrd

Legend: Req.=Requirement, M=Mandatory, R=Recommended, O=Optional, D=Dependent, B=Bilateral Agreement. Example only, for details see IG pain.001 and MIG pain.001.

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 24
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT D domestic QR-bill (5/5)

Note: Paying a QR-bill with pain.001 is a special case of PT D.

Caution: the QR-bill can provide structured or unstructured addresses,

these must result in structured or unstructured addresses in pain.001, respectively.

Caution: Creditor data must match the bank’s master data.

The QR-bill was created to serve the Swiss anti money laundering requirements. As a result, financial institutions will
increasingly check whether the names and addresses of the accounts payable that appear on the QR-bill match the
corresponding bank master data.
For payees, this is easy to see when creating a QR-bill.
However, for payers, this process becomes problematic if an accounts payable module does not draw on the
information given in the QR code but rather on out-of-date master data. For payments via ISR, this issue has so far
been of no significance due to this data not being transmitted.

Note: Be aware of the QR-bill pain.001 camt.05x

following dependencies: QR Code:
light blue = optional Ultimate Debtor Ultimate Debtor Ultimate Debtor
dark blue = mandatory
Text: Payable by

Debtor
CS replaces this Debtor
with account holder

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 25
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT 4 domestic non CHF/EUR (1/2)

Level Req. PT Req. Element Example Comments
A M Group Header
A M +Message ID MsgId-ae33f114fj Unique as long as possible
A M +Creation Date Time 2019-01-09T08:02:37
A M +Number of Transactions 1 Mandatory on A-level, optional B-level
A R +Control Sum 8479.25 Recommended on A-level, optional on B-level
A M +Initiating Party
A R ++Name Rutschmann Pia Real name of the debtor account holder
A R ++Contact Details
A R +++Name VerybestERP/Bestsoftware SA Please insert software name, slash and software vendor name to improve support of our mutual clients
A R +++Other 4.0.1329.01 Please insert software version to improve support of our mutual clients
B M Payment Information
B M +Payment Information ID InfId-0000035005
B M +Payment Method TRF Or TRA
B O +Batch Booking true Or false; if the element is not present, the default setting of «true» will be applied during processing
B O +Payment Type Information
B B ++Instruction Priority HIGH For payments at Credit Suisse after 12.00 noon CET
B M +Requested Execution Date 2019-01-09
B M +Debtor
B R ++Name Max Beispieler
B M +Debtor Account
B M ++ID
B R +++IBAN CH3704835833740031000 IBAN mandatory for pain.001 at Credit Suisse
B O ++Type
B D +++Proprietary CND Or SIA, CWD, NOA
B M +Debtor Agent Credit Suisse takes the Debtor Agent from the Debtor Account IBAN
B M ++Financial Institution ID
B D +++BIC CRESCHZZ80A See IG pain.001 for alternative with IID and CHBCC.

Legend: Req.=Requirement, M=Mandatory, R=Recommended, O=Optional, D=Dependent, B=Bilateral Agreement. Example only, for details see IG pain.001 and MIG pain.001.

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 26
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT 4 domestic non CHF/EUR (2/2)

Level Req. PT Req. Element Example Comments
C M Credit Transfer Trx Info
C M +Payment ID
C R ++Instruction ID InstrId-000035007
C M ++End to End ID E2E-ABC-035007
C M +Amount
C D ++Instructed Amount USD 8479.25 Or Equivalent Amount. All currencies that are allowed by the debtor agent except CHF or EUR.
C D M +Creditor
C M ++Name Muster AG
C O ++Postal Address See IG pain.001 for alternative address formats
C R +++Street Name Bahnhofstrasse
C R +++Building Number 5
C D +++Post Code 8001
C D +++Town Name Zuerich
C D +++Country CH
C D M +Creditor Account
C D D ++ID
C D D +++IBAN CH3808888123456789012 With Creditor Account ID IBAN no Creditor Agent required. See IG pain.001 for alternatives.
C O +Remittance Information
C D ++Unstructured Rechnung Nr. 7496 Or Structured, see IG pain.001.

▪ For intermediary agents see page 40

▪ For currency regulatory reporting see page 44

Legend: Req.=Requirement, M=Mandatory, R=Recommended, O=Optional, D=Dependent, B=Bilateral Agreement. Example only, for details see IG pain.001 and MIG pain.001.

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 27
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT X V1 domestic non CHF/EUR (1/2)

Level Req. PT Req. Element Example Comments
A M Group Header
A M +Message ID MsgId-ae33f114fh Unique as long as possible
A M +Creation Date Time 2019-01-09T08:02:37
A M +Number of Transactions 1 Mandatory on A-level, optional B-level
A R +Control Sum 8479.25 Recommended on A-level, optional on B-level
A M +Initiating Party
A R ++Name Rutschmann Pia Real name of the debtor account holder
A R ++Contact Details Please use Contact Details to improve support of our mutual clients
A R +++Other
A M ++++Channel Type NAME
A M ++++Identification VerybestERP Name of the software solution
A R +++Other
A M ++++Channel Type PRVD
A M ++++Identification Bestsoftware SA Name of the software manufacturer
A R +++Other
A M ++++Channel Type VRSN
A M ++++Identification 4.0.1329.01 Software version
A R +++Other
A M ++++Channel Type SPSV
A M ++++Identification 0201 SPS IG version
B M Payment Information
B M +Payment Information ID InfId-0000035005
B M +Payment Method TRF
B O +Batch Booking true Or false; if the element is not present, the default setting of «true» will be applied during processing
B O +Payment Type Information
B B ++Instruction Priority HIGH For payments at Credit Suisse after 12.00 noon CET, charges apply
B M +Requested Execution Date
B D ++Date 2019-01-09 Date Time not supported by Credit Suisse
B M +Debtor
B R ++Name Max Beispieler
Legend: Req.=Requirement, M=Mandatory, R=Recommended, O=Optional, D=Dependent, B=Bilateral Agreement. Example only, for details see IG pain.001 and MIG pain.001.

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 28
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT X V1 domestic non CHF/EUR (2/2)

Level Req. PT Req. Element Example Comments
B M +Debtor Account
B M ++ID
B R +++IBAN CH3704835833740031000 IBAN mandatory for pain.001 at Credit Suisse
B O ++Type
B D +++Proprietary CND Or SIA, CWD, NOA
B M +Debtor Agent Credit Suisse takes the Debtor Agent from the Debtor Account IBAN
B M ++Financial Institution ID
B D +++BICFI CRESCHZZ80A See IG pain.001 for alternative with IID and CHBCC.
C M Credit Transfer Trx Info
C M +Payment ID
C R ++Instruction ID InstrId-000035007
C M ++End to End ID E2E-ABC-035007
C B ++UETR For future use of gpi payment tracking
C M +Amount
C D ++Instructed Amount USD 8479.25 Or Equivalent Amount. All currencies that are allowed by the debtor agent except CHF or EUR.
C M +Creditor
C M ++Name Muster AG
C O ++Postal Address See IG pain.001 for alternative address formats
C R +++Street Name Bahnhofstrasse
C Req.=Requirement,
Legend: R +++Building R=Recommended,
M=Mandatory, Number 5O=Optional, D=Dependent, B=Bilateral Agreement
Example
C only,
R for details see IG pain.001 and
+++Post Code MIG pain.001. 8001
C R +++Town Name Zuerich
C R +++Country CH
C D M +Creditor Account
C M M ++ID
C D D +++IBAN CH3808888123456789012 With Creditor Account ID IBAN no Creditor Agent required. See IG pain.001 for alternatives.
C O +Remittance Information
C D ++Unstructured Rechnung Nr. 7496 Or Structured, see IG pain.001.

▪ For intermediary agents see page 40

▪ For currency regulatory reporting see page 44
Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 29
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT 5 cross-border SEPA (1/2)

Level Req. PT Req. Element Example Comments
A M Group Header
A M +Message ID MsgId-ae33f114fk Unique as long as possible
A M +Creation Date Time 2019-01-09T08:02:37
A M +Number of Transactions 1 Mandatory on A-level, optional B-level
A R +Control Sum 8479.25 Recommended on A-level, optional on B-level
A M +Initiating Party
A R ++Name Rutschmann Pia Real name of the debtor account holder
A R ++Contact Details
A R +++Name VerybestERP/Bestsoftware SA Please insert software name, slash and software vendor name to improve support of our mutual clients
A R +++Other 4.0.1329.01 Please insert software version to improve support of our mutual clients
B M Payment Information
B M +Payment Information ID InfId-0000035005
B M +Payment Method TRF Or TRA
B O +Batch Booking true Or false
B O M +Payment Type Information Instruction Priority and Local Instrument forbidden
B O M ++Service Level
B D M +++Code SEPA Recommended on B-level, optional on C-level
B M +Requested Execution Date 2019-01-09
B M +Debtor
B R ++Name Max Beispieler
B M +Debtor Account
B M ++ID
B R +++IBAN CH3704835833740031000 IBAN mandatory for pain.001 at Credit Suisse
B O ++Type
B D +++Proprietary CND Or SIA, CWD, NOA
B M +Debtor Agent Credit Suisse takes the Debtor Agent from the Debtor Account IBAN
B M ++Financial Institution ID
B D +++BIC CRESCHZZ80A See IG pain.001 for alternative with IID and CHBCC.
B D +Charge Bearer SLEV Can be omitted. On B-level or C-level.

Legend: Req.=Requirement, M=Mandatory, R=Recommended, O=Optional, D=Dependent, B=Bilateral Agreement. Example only, for details see IG pain.001 and MIG pain.001.

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 30
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT 5 cross-border SEPA (2/2)

Level Req. PT Req. Element Example Comments
C M Credit Transfer Trx Info
C M +Payment ID
C R ++Instruction ID InstrId-000035006
C M ++End to End ID E2E-ABC-035006
C M +Amount
C D ++Instructed Amount EUR 8479.25 Or Equivalent Amount. EUR only
C D M +Creditor
C M ++Name Muster AG
C O ++Postal Address See IG pain.001 for alternative address formats. SIX recommends unstructured elements.
C R +++Street Name Bahnhofstrasse
C R +++Building Number 5
C R +++Post Code 8001
C R +++Town Name Zuerich
C D +++Country CH
C D M +Creditor Account
C D M ++ID
C D M +++IBAN DE38088881234567890121 Must not begin with CH or LI. No Creditor Agent required
C O +Remittance Information
C D ++Unstructured Rechnung Nr. 7496 Or Structured, see IG pain.001.

Legend: Req.=Requirement, M=Mandatory, R=Recommended, O=Optional, D=Dependent, B=Bilateral Agreement. Example only, for details see IG pain.001 and MIG pain.001.

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 31
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT S cross-border SEPA (1/2)

Level Req. PT Req. Element Example Comments
A M Group Header
A M +Message ID MsgId-ae33f114fh Unique as long as possible
A M +Creation Date Time 2019-01-09T08:02:37
A M +Number of Transactions 1 Mandatory on A-level, optional B-level
A R +Control Sum 8479.25 Recommended on A-level, optional on B-level
A M +Initiating Party
A R ++Name Rutschmann Pia Real name of the debtor account holder
A R ++Contact Details Please use Contact Details to improve support of our mutual clients
A R +++Other
A M ++++Channel Type NAME
A M ++++Identification VerybestERP Name of the software solution
A R +++Other
A M ++++Channel Type PRVD
A M ++++Identification Bestsoftware SA Name of the software manufacturer
A R +++Other
A M ++++Channel Type VRSN
A M ++++Identification 4.0.1329.01 Software version
A R +++Other
A M ++++Channel Type SPSV
A M ++++Identification 0201 SPS IG version
B M Payment Information
B M +Payment Information ID InfId-0000035005
B M +Payment Method TRF
B O +Batch Booking true Or false; if the element is not present, the default setting of «true» will be applied during processing
B O M +Payment Type Information Instruction Priority ignored
B O M ++Service Level
B O D +++Code SEPA Recommended on B-level, optional on C-level
B M +Requested Execution Date
B D ++Date 2019-01-09 Date Time not supported by Credit Suisse
B M +Debtor
B R ++Name Max Beispieler

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 32
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT S cross-border SEPA (2/2)

Level Req. PT Req. Element Example Comments
B M +Debtor Account
B M ++ID
B R +++IBAN CH3704835833740031000 IBAN mandatory for pain.001 at Credit Suisse
B O ++Type
B D +++Proprietary CND Or SIA, CWD, NOA
B M +Debtor Agent Credit Suisse takes the Debtor Agent from the Debtor Account IBAN
B M ++Financial Institution ID
B D +++BICFI CRESCHZZ80A See IG pain.001 for alternative with IID and CHBCC.
B D +Charge Bearer SLEV Can be omitted. On B-level or C-level.
C M Credit Transfer Trx Info
C M +Payment ID
C R ++Instruction ID InstrId-000035007
C M ++End to End ID E2E-ABC-035007
C M +Amount
C D ++Instructed Amount EUR 8479.25 Or Equivalent Amount. EUR only
C M +Creditor
C M ++Name Muster AG
C O ++Postal Address See IG pain.001 for alternative address formats
C R +++Street Name Bahnhofstrasse
C Req.=Requirement,
Legend: R +++Building R=Recommended,
M=Mandatory, Number 5O=Optional, D=Dependent, B=Bilateral Agreement
Example
C only,
R for details see IG pain.001 and
+++Post Code MIG pain.001. 8001
C R +++Town Name Zuerich
C R +++Country CH
C D M +Creditor Account
C M M ++ID
C D M +++IBAN DE38088881234567890121 Must not begin with CH or LI. No Creditor Agent required.
C O +Remittance Information
C D ++Unstructured Rechnung Nr. 7496 Or Structured, see IG pain.001.

Legend: Req.=Requirement, M=Mandatory, R=Recommended, O=Optional, D=Dependent, B=Bilateral Agreement. Example only, for details see IG pain.001 and MIG pain.001.

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 33
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT 6 cross-border non-SEPA (1/2)

Level Req. PT Req. Element Example Comments
A M Group Header
A M +Message ID MsgId-ae33f114fm Unique as long as possible
A M +Creation Date Time 2019-01-09T08:02:37
A M +Number of Transactions 1 Mandatory on A-level, optional B-level
A R +Control Sum 8479.25 Recommended on A-level, optional on B-level
A M +Initiating Party
A R ++Name Rutschmann Pia Real name of the debtor account holder
A R ++Contact Details
A R +++Name VerybestERP/Bestsoftware SA Please insert software name, slash and software vendor name to improve support of our mutual clients
A R +++Other 4.0.1329.01 Please insert software version to improve support of our mutual clients
B M Payment Information
B M +Payment Information ID InfId-0000035005
B M +Payment Method TRF Or TRA
B O +Batch Booking true Or false; if the element is not present, the default setting of «true» will be applied during processing
B O +Payment Type Information
B B ++Instruction Priority HIGH For payments at Credit Suisse after 12.00 noon CET
B M +Requested Execution Date 2019-01-09
B M +Debtor
B R ++Name Max Beispieler
B M +Debtor Account
B M ++ID
B R +++IBAN CH3704835833740031000 IBAN mandatory for pain.001 at Credit Suisse
B O ++Type
B D +++Proprietary CND Or SIA, CWD, NOA
B M +Debtor Agent Credit Suisse takes the Debtor Agent from the Debtor Account IBAN
B M ++Financial Institution ID
B D +++BIC CRESCHZZ80A See IG pain.001 for alternative with IID and CHBCC.

Legend: Req.=Requirement, M=Mandatory, R=Recommended, O=Optional, D=Dependent, B=Bilateral Agreement. Example only, for details see IG pain.001 and MIG pain.001.

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 34
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT 6 cross-border non-SEPA (2/2)

Level Req. PT Req. Element Example Comments
C M Credit Transfer Trx Info
C M +Payment ID
C R ++Instruction ID InstrId-000035007
C M ++End to End ID E2E-ABC-035007
C M +Amount
C D ++Instructed Amount USD 8479.25 Or Equivalent Amount. All currencies that are allowed by the debtor agent.
C D M +Creditor Agent
C M ++Financial Institution ID See IG pain.001 and next page for alternatives
C D D +++BIC ESSEGB2L
C D M +Creditor
C M ++Name Max Muster
C O ++Postal Address See IG pain.001 for alternative address formats
C R +++Street Name Sample Street
C R +++Building Number 1
C D +++Post Code CB22 4RG
C D +++Town Name Sample Town
C D ++Country GB
C D M +Creditor Account
C D D ++ID
C D D +++IBAN GB32ESSE40486562136016 Must not begin with CH or LI. See IG pain.001 for alternatives.
C O +Remittance Information
C D ++Unstructured Rechnung Nr. 7496 Or Structured, see IG pain.001.

▪ For equivalent amount restrictions see page 56

Legend: Req.=Requirement, M=Mandatory, R=Recommended, O=Optional, D=Dependent, B=Bilateral Agreement. Example only, for details see IG pain.001 and MIG pain.001.

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 35
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT X V2 cross-border non SEPA (1/2)

Level Req. PT Req. Element Example Comments
A M Group Header
A M +Message ID MsgId-ae33f114fh Unique as long as possible
A M +Creation Date Time 2019-01-09T08:02:37
A M +Number of Transactions 1 Mandatory on A-level, optional B-level
A R +Control Sum 8479.25 Recommended on A-level, optional on B-level
A M +Initiating Party
A R ++Name Rutschmann Pia Real name of the debtor account holder
A R ++Contact Details Please use Contact Details to improve support of our mutual clients
A R +++Other
A M ++++Channel Type NAME
A M ++++Identification VerybestERP Name of the software solution
A R +++Other
A M ++++Channel Type PRVD
A M ++++Identification Bestsoftware SA Name of the software manufacturer
A R +++Other
A M ++++Channel Type VRSN
A M ++++Identification 4.0.1329.01 Software version
A R +++Other
A M ++++Channel Type SPSV
A M ++++Identification 0201 SPS IG version
B M Payment Information
B M +Payment Information ID InfId-0000035005
B M +Payment Method TRF
B O +Batch Booking true Or false; if the element is not present, the default setting of «true» will be applied during processing
B O +Payment Type Information
B B ++Instruction Priority HIGH For payments at Credit Suisse after 12.00 noon CET, charges apply
B M +Requested Execution Date
B D ++Date 2019-01-09 Date Time not supported by Credit Suisse
B M +Debtor
B R ++Name Max Beispieler
Legend: Req.=Requirement, M=Mandatory, R=Recommended, O=Optional, D=Dependent, B=Bilateral Agreement. Example only, for details see IG pain.001 and MIG pain.001.

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 36
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT X V2 cross-border non SEPA (2/2)

Level Req. PT Req. Element Example Comments
B M +Debtor Account
B M ++ID
B R +++IBAN CH3704835833740031000 IBAN mandatory for pain.001 at Credit Suisse
B O ++Type
B D +++Proprietary CND Or SIA, CWD, NOA
B M +Debtor Agent Credit Suisse takes the Debtor Agent from the Debtor Account IBAN
B M ++Financial Institution ID
B D +++BICFI CRESCHZZ80A See IG pain.001 for alternative with IID and CHBCC.
C M Credit Transfer Trx Info
C M +Payment ID
C R ++Instruction ID InstrId-000035007
C M ++End to End ID E2E-ABC-035007
C B ++UETR For future use of gpi payment tracking
C M +Amount
C D ++Instructed Amount USD 8479.25 Or Equivalent Amount (restrictions see page 56). All currencies that are allowed by the debtor agent.
C D M +Creditor Agent
C M ++Financial Institution ID See IG pain.001 and next page for alternatives
C D D +++BICFI ESSEGB2L
C M +Creditor
C Req.=Requirement,
Legend: M ++Name R=Recommended,Muster
M=Mandatory, AG D=Dependent, B=Bilateral Agreement
O=Optional,
Example
C only,
O for details see IG pain.001 and MIG
++Postal Address pain.001. See IG pain.001 for alternative address formats
C R +++Street Name Sample Street
C R +++Building Number 1
C D +++Post Code CB22 4RG
C D +++Town Name Sample Town
C D ++Country GB
C D M +Creditor Account
C M M ++ID
C D D +++IBAN GB32ESSE40486562136016 Must not begin with CH or LI. See IG pain.001 for alternatives.
C O +Remittance Information
C D ++Unstructured Rechnung Nr. 7496 Or Structured, see IG pain.001.

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 37
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT 6 creditor agent

Option 1 BIC
Option 2 Bank Code FI Name FI Address
Option 3 FI Name FI Address
IG pain.001

Option 1: BIC is the preferred

identification for Creditor Agent

Option 2: if BIC not available, ClrSysId available at iso20022.org:

use Clearing System Member ID External Code Sets spreadsheet
with Code, not with Proprietary in the worksheet
+ FI name 5-ClearingSystemIdentification
+ FI address

Option 3: if Clearing System

Member ID not available, just
use FI name and FI address

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 38
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT X creditor agent

Option 1 BIC
Option 2 Bank Code FI Name FI Address* * Structured address recommended.
Option 3 FI Name FI Address*

Option 1: BIC recommended

identification for Creditor Agent

Option 2: if BIC not available, ClrSysId available at iso20022.org:

use Clearing System Member ID External Code Sets spreadsheet
with Code, not with Proprietary in the worksheet
+ FI name 5-ClearingSystemIdentification
+ FI address*

Option 3: if Clearing System

Member ID not available, just
use FI name and FI address*

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 39
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT 6 intermediary agents

▪ Instructions to the debtor agent should be avoided in general as this prevents straight through processing (STP)

▪ Instructions to the debtor agent about intermediary agents should be avoided in particular
as transaction banks like Credit Suisse have their own payment paths.

▪ For one intermediary agent, the syntax is:

▪ Two intermediary agents should be avoided even more.

If used, the process is:
- Put first agent into the tag Intermediary Agent 1 as shown above
- Put the second agent with the following information into the tag Instruction for Debtor Agent:
“Please send payment via additional intermediary agent + BIC”

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 40
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT X intermediary agents

▪ Instructions to the debtor agent should be avoided in general as this prevents straight through processing (STP)

▪ Instructions to the debtor agent about intermediary agents should be avoided in particular
as transaction banks like Credit Suisse have their own payment paths.

▪ For one intermediary agent, the syntax is:

▪ Two intermediary agents should be avoided even more.

If used, the process is:
- Put first agent into the tag Intermediary Agent 1 as shown above
- Put the second agent with the following information into the tag Instruction for Debtor Agent:
“Please send payment via additional intermediary agent + BIC”

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 41
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT 6 x-border regulatory reporting

IG pain.001 include the tag Regulatory Reporting (RgltryRptg) since version 1.9. Credit Suisse only
forwards the content of this tag for PT6 / PTX payments and only validates the content of payments
to the countries below. For other countries and currencies, other tags (usually Ustrd) should be used.

The following countries (independently from the currency of transfer) require regulatory reporting:

▪ Bahrain ▪ India
<RgltryRptg> <RgltryRptg>
<DbtCdtRptgInd>CRED</DbtCdtRptInd> <DbtCdtRptgInd>CRED</DbtCdtRptInd>
<Dtls> <Dtls>
<Ctry>BH</Ctry> <Ctry>ID</Ctry>
<Cd>XXX</Cd> <Cd>PXXXX</Cd>
</Dtls> </Dtls>
</RgltryRptg> </RgltryRptg>
… where XXX is the five-character purpose code. … where PXXXX is the five-character purpose code.
For details see the link at the bottom. <RmtInf>
<Ustrd>YYYY ZZZZ</Ustrd>
</RmtInf>

… where YYYY is the reason for payment

and ZZZZ is the payer’s LEI.

For details see the link at the bottom.

▪ Details for all cross-border regulatory reportings: https://www.credit-suisse.com/specialtransactions

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 42
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT 6 x-border regulatory reporting

▪ Jordan ▪ United Arab Emirates
<RmtInf> For United Arab Emirates, RgltryRptg is mandatory at Credit Suisse.
<Ustrd>XXXX</Ustrd>
</RmtInf> <RgltryRptg>
<DbtCdtRptgInd>CRED</DbtCdtRptInd>
… where XXXX is the four-digit payment reason code. <Dtls>
<Ctry>AE</Ctry>
<Cd>XXX</Cd> … where XXX is the three-letter purpose code.
▪ Thailand </Dtls>
</RgltryRptg>
For Thailand, RgltryRptg is mandatory at Credit Suisse.
For details see the link at the bottom.
<RgltryRptg>
<DbtCdtRptgInd>CRED</DbtCdtRptInd>
<Dtls>
<Ctry>TH</Ctry>
<Cd>XXXXXX</Cd>
</Dtls>
</RgltryRptg>

… where XXXXXX is the six-letter purpose code.

For details see the link at the bottom.

▪ Details for all cross-border regulatory reportings: https://www.credit-suisse.com/specialtransactions

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 43
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT 6 currency regulatory reporting

The following currencies (independently from the involved countries) require regulatory reporting:

▪ Currency CNH (Chinese Offshore Renminbi)

<RmtInf>
<Ustrd>Payment code</Ustrd>
</RmtInf>

For details see the link at the bottom.

▪ Currency QAR (Qatari Rial)

<RmtInf>
<Ustrd>Payment reason in English</Ustrd>
</RmtInf>

▪ Currency RUB (Russian Ruble)

<RmtInf>
<Ustrd>VO code// reason for payment</Ustrd>
</RmtInf>
<InstrForDbtrAgt>/ACC/ BIK//account number beneficiary bank//INN code</InstrForDbtrAgt>

For details see the link at the bottom.

▪ Details for all currency regulatory reportings: https://www.credit-suisse.com/specialtransactions

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 44
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT 8 check debits (1/2)

Level Req. PT Req. Element Example Comments
A M Group Header
A M +Message ID MsgId-ae33f114fn Unique as long as possible
A M +Creation Date Time 2019-01-09T08:02:37
A M +Number of Transactions 1 Mandatory on A-level, optional B-level
A R +Control Sum 8479.25 Recommended on A-level, optional on B-level
A M +Initiating Party
A R ++Name Rutschmann Pia Real name of the debtor account holder
A R ++Contact Details
A R +++Name VerybestERP/Bestsoftware SA Please insert software name, slash and software vendor name to improve support of our mutual clients
A R +++Other 4.0.1329.01 Please insert software version to improve support of our mutual clients
B M Payment Information
B M +Payment Information ID InfId-0000035005
B M +Payment Method CHK
B O +Batch Booking true Or false
B O +Payment Type Information
B B ++Instruction Priority HIGH For payments at Credit Suisse after 12.00 noon CET, charges apply
B M +Requested Execution Date 2019-01-09
B M +Debtor
B R ++Name Max Beispieler
B M +Debtor Account
B M ++ID
B R +++IBAN CH3704835833740031000 IBAN mandatory for pain.001 at Credit Suisse
B O ++Type
B D +++Proprietary CND Or SIA, CWD, NOA
B M +Debtor Agent Credit Suisse takes the Debtor Agent from the Debtor Account IBAN
B M ++Financial Institution ID
B D +++BIC CRESCHZZ80A See IG pain.001 for alternative with IID and CHBCC.

Legend: Req.=Requirement, M=Mandatory, R=Recommended, O=Optional, D=Dependent, B=Bilateral Agreement. Example only, for details see IG pain.001 and MIG pain.001.

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 45
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT 8 check debits (2/2)

Level Req. PT Req. Element Example Comments
C M Credit Transfer Trx Info
C M +Payment ID
C R ++Instruction ID InstrId-000035007
C M ++End to End ID E2E-ABC-035007
C M +Amount
C D ++Instructed Amount CHF 8479.25 Or Equivalent Amount. All currencies that are allowed by the debtor agent.
C D M +Creditor
C M ++Name Muster AG
C O ++Postal Address See IG pain.001 for alternative address formats
C R +++Street Name Bahnhofstrasse
C R +++Building Number 5
C D M +++Post Code 8001
C D M +++Town Name Zuerich
C D M +++Country CH
C O +Remittance Information
C D ++Unstructured Rechnung Nr. 7496 Or Structured, see IG pain.001.

▪ No creditor agent, no creditor account

▪ Considerable fees apply
▪ Check will be printed and sent by mail to the creditor

Legend: Req.=Requirement, M=Mandatory, R=Recommended, O=Optional, D=Dependent, B=Bilateral Agreement. Example only, for details see IG pain.001 and MIG pain.001.

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 46
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT C check debits (1/2)

Level Req. PT Req. Element Example Comments
A M Group Header
A M +Message ID MsgId-ae33f114fh Unique as long as possible
A M +Creation Date Time 2019-01-09T08:02:37
A M +Number of Transactions 1 Mandatory on A-level, optional B-level
A R +Control Sum 8479.25 Recommended on A-level, optional on B-level
A M +Initiating Party
A R ++Name Rutschmann Pia Real name of the debtor account holder
A R ++Contact Details Please use Contact Details to improve support of our mutual clients
A R +++Other
A M ++++Channel Type NAME
A M ++++Identification VerybestERP Name of the software solution
A R +++Other
A M ++++Channel Type PRVD
A M ++++Identification Bestsoftware SA Name of the software manufacturer
A R +++Other
A M ++++Channel Type VRSN
A M ++++Identification 4.0.1329.01 Software version
A R +++Other
A M ++++Channel Type SPSV
A M ++++Identification 0201 SPS IG version
B M Payment Information
B M +Payment Information ID InfId-0000035005
B M +Payment Method CHK
B O +Batch Booking true Or false; if the element is not present, the default setting of «true» will be applied during processing
B O +Payment Type Information
B B ++Instruction Priority HIGH For payments at Credit Suisse after 12.00 noon CET, charges apply
B M +Requested Execution Date
B D ++Date 2019-01-09 Date Time not supported by Credit Suisse
B M +Debtor
B R ++Name Max Beispieler
Legend: Req.=Requirement, M=Mandatory, R=Recommended, O=Optional, D=Dependent, B=Bilateral Agreement. Example only, for details see IG pain.001 and MIG pain.001.

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 47
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT C check debits (2/2)

Level Req. PT Req. Element Example Comments
B M +Debtor Account
B M ++ID
B R +++IBAN CH3704835833740031000 IBAN mandatory for pain.001 at Credit Suisse
B O ++Type
B D +++Proprietary CND Or SIA, CWD, NOA
B M +Debtor Agent Credit Suisse takes the Debtor Agent from the Debtor Account IBAN
B M ++Financial Institution ID
B D +++BICFI CRESCHZZ80A See IG pain.001 for alternative with IID and CHBCC.
C M Credit Transfer Trx Info
C M +Payment ID
C R ++Instruction ID InstrId-000035007
C M ++End to End ID E2E-ABC-035007
C B ++UETR For future use of gpi payment tracking
C M +Amount
C D ++Instructed Amount CHF 8479.25 Or Equivalent Amount. All currencies that are allowed by the debtor agent.
C M +Creditor
C M ++Name Muster AG
C O ++Postal Address See IG pain.001 for alternative address formats
C R +++Street Name Bahnhofstrasse
C Req.=Requirement,
Legend: R +++Building R=Recommended,
M=Mandatory, Number 5O=Optional, D=Dependent, B=Bilateral Agreement
Example
C only,
D for details
M see IG pain.001 and
+++Post Code MIG pain.001. 8001
C D +++Town Name Zuerich
C D M +++Country CH
C O +Remittance Information
C D ++Unstructured Rechnung Nr. 7496 Or Structured, see IG pain.001.
Legend: Req.=Requirement, M=Mandatory, R=Recommended, O=Optional, D=Dependent, B=Bilateral Agreement. Example only, for details see IG pain.001 and MIG pain.001.

▪ No creditor agent, no creditor account

▪ Considerable fees apply
▪ Check will be printed and sent by mail to the creditor
Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 48
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 All PT salary payment (SALA)

▪ For salary payments and other confidential payments, there are special rules (BR 4.11):
In order to ensure confidentiality with all Swiss banks, these payments must include the following elements:
- Batch Booking = TRUE
- Category Purpose Code = SALA (not necessary at Credit Suisse)
- Debtor Account > Type > Proprietary = NOA or CND
▪ So the B-level of a salary payment should look something like this (example for a PT 3, the most common salary
payment, elements for confidential payments in green rows):
Level Req. PT Req. Element Example Comments
B M Payment Information
B M +Payment Information ID InfId-0000035005
B M +Payment Method TRF
B O M +Batch Booking true
B O +Payment Type Information
B B ++Instruction Priority HIGH For payments at Credit Suisse after 12:00 noon CET, fees apply
B O M ++Category Purpose
B M +++Code SALA
B M +Requested Execution Date 2019-01-09
B M +Debtor
B R ++Name Max Beispieler
B M +Debtor Account
B M ++ID
B R +++IBAN CH3704835833740031000 IBAN mandatory for pain.001 at Credit Suisse
B O ++Type
B D M +++Proprietary CND Or NOA

Legend: Req.=Requirement, M=Mandatory, R=Recommended, O=Optional, D=Dependent, B=Bilateral Agreement. Example only, for details see IG pain.001 and MIG pain.001.

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 49
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 All PT * express payment (HIGH)

* For all PT except PT 5 and PT S (ignored in PT S)

▪ For same-day payment order execution in certain currencies after upload of pain.001 between
12.00 noon CET and the currency cut-off deadline, but not later than 16.00 CET:
pain.001 upload not later than… 00 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 CET

CHF, EUR, USD Same day execution **** Next day execution
GBP Same day execution *** Next day execution
CAD, ILS Same day execution ** Next day execution
DKK, HUF, MXN, NOK, SEK Same day execution ** Next day execution

**** Same day execution with express payment, charges apply for domestic CHF payments
**** Same day execution with express payment, charges apply for domestic EUR payments and for SEPA payments
**** Same day execution with express payment
▪ Triggered by tag Instruction Priority and value HIGH
Level Req. PT Req. Element Example Comments
B M Payment Information
B M +Payment Information ID InfId-0000035005
B M +Payment Method TRF ISO V2009: Or TRA
B O M +Batch Booking true Or false
B O +Payment Type Information
B B ++Instruction Priority HIGH For payments at Credit Suisse after 12.00 noon CET, charges may apply

▪ Due to potential charges, a note like “additional charges may apply” should be combined with this option
▪ Other banks also use this tag, but with different cut-off deadlines, currencies and charges
▪ Complete Credit Suisse cut-off deadline list at credit-suisse.com/cutoffdeadlines
Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 50
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 All PT advice & booking control (1/4)

▪ The next page lists 15 debit advice steering combinations
(Batch Booking true and empty counted separately)

▪ Only 5 of them are Recommended

Your software should be able to control the recommended combinations,
e.g. by dropdown menu

▪ Only 2 are recommended for Confidential payments , e.g. salary payments.

Your software should only allow a reduced list of combinations,
e.g. by checkbox

▪ 10 combinations are Not recommended , they may be even rejected by other banks

▪ In order to receive camt.053/052/054, Credit Suisse clients have to subscribe to them for each of
their accounts; it is not possible to order non-subscribed camts via pain.001

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 51
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 All PT advice & booking control (2/4)

Payment Information Payment Information

+ Debtor Account + Batch Booking
++ Type
+++ Proprietary False True/Empty

Single Booking 1 Collective Booking 3

NOA camt.053 with details camt.053 no details
camt.052 with details (full report) camt.052 no details
Single Booking 2 Collective Booking
SIA camt.053 with details camt.053 details as account default
camt.052 with details (full report) camt.052 with details (full report)
Single Booking Collective Booking 4
CND camt.053 with details camt.053 no details
camt.052 with details (full report) camt.052 no details
Single Booking Collective Booking 5
CWD camt.053 with details camt.053 with details
camt.052 with details (full report) camt.052 with details (full report)
Single Booking Collective Booking
Empty camt.053 with details camt.053 details as account default
camt.052 with details (full report) camt.052 with details (full report)

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 52
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 All PT advice & booking control (3/4)

1 2 3 4 5
Document pain.001 Document pain.001 Document pain.001 Document pain.001 Document pain.001
B-Level CHF 50 B-Level CHF 50 B-Level CHF 50 B-Level CHF 50 B-Level CHF 50
FALSE NOA FALSE SIA TRUE NOA TRUE CND TRUE CWD
C-Level CHF 20 C-Level CHF 20 C-Level CHF 20 C-Level CHF 20 C-Level CHF 20
C-Level CHF 30 C-Level CHF 30 C-Level CHF 30 C-Level CHF 30 C-Level CHF 30

Document camt.053 Document camt.053 Document camt.053 Document camt.053 Document camt.053
B-Level B-Level B-Level B-Level B-Level
C-Level CHF 20 C-Level CHF 20 C-Level CHF 50 C-Level CHF 50 C-Level CHF 50
D-Level Trx Details D-Level Trx Details D-Level D-Level D-Level Trx Details
CHF 20
C-Level CHF 30 C-Level CHF 30 D-Level Trx Details
D-Level Trx Details D-Level Trx Details CHF 30

camt.052 depends camt.052 depends camt.052 depends camt.052 depends camt.052 depends
on time and variant on time and variant on time and variant on time and variant on time and variant
of camt.052 of camt.052 of camt.052 of camt.052 of camt.052

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 53
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 All PT advice & booking control (4/4)

pain.001 pain.001 pain.001 pain.001 pain.001 pain.001
B-Level: Sum B-Level: Sum B-Level: Sum B-Level: Sum B-Level: Sum B-Level: Sum
Batch Booking Batch Booking Batch Booking Batch Booking Batch Booking Batch Booking
Proprietary Proprietary Proprietary Proprietary Proprietary Proprietary
C-Level: Amount C-Level: Amount C-Level: Amount C-Level: Amount C-Level: Amount C-Level: Amount
Input C-Level: Amount C-Level: Amount C-Level: Amount C-Level: Amount C-Level: Amount C-Level: Amount
C-Level: Amount C-Level: Amount C-Level: Amount C-Level: Amount C-Level: Amount C-Level: Amount
C-Level: Amount C-Level: Amount C-Level: Amount C-Level: Amount C-Level: Amount C-Level: Amount

Output Web-based Files Paper/E-Documents (PDF)

Credit Suisse Direct MT940 camt.053 camt.054 Paper /E-Document Paper/E-Document

Account Statement Account Statement Debit Advice *** Account Statement Debit Advice

True CWD Booking Payment Sum Amounts Amounts Amounts Amounts

5 Details Details + Details + Details + Details + Details
or
in 1 camt.053 in 1 camt.054 in 1 document in 1 document
Empty Sum Amounts
+ Details Sum Sum Sum Sum
CND 4

NOA Sum No advice Account No advice

3 Default

Empty As AD*: Sum Amounts Account Account

or A+D** + Details Default Default
in 1 camt.053 in 1 camt.054

False SIA Amounts Amounts Amounts Amounts Amounts Amounts

2 + Details + Details + Details + Details + Details + Details
in 1 MT940 in 1 camt.053 in 4 camt.054 in 1 document in 4 documents

NOA Amounts No advice Account No advice

1 + Details Default
in 1 camt.053

Empty Amounts Amounts Amounts, Amounts,

+ Details + Details Details as AD* Details as AD*
in 1 camt.053 in 4 camt.054 in 1 camt.053 in 4 documents

* Account Default ** Amounts + Details *** No go-live date, yet

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 54
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 All PT Instructed Amount

▪ Instructed Amount Currency = Account Currency (e.g. normal domestic CHF payment)

pain.001 View Instructed Amount Account

Amount CHF 10 CHF CHF 10

camt.05x View
Instructed Amount Account Transaction Amount
CHF 10 CHF CHF 10

▪ Instructed Amount Currency ≠ Currency Account Currency

pain.001 View
Instructed Amount Account
Amount GBP 20 CHF GBP 20

camt.05x View Counter Value Amount

Instructed Amount CHF 25.18 Transaction Amount
GBP 20 Exchange Rate GBP 20
1.259

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 55
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT 3-8 PT D/S/X/C Equivalent Amount

▪ Equivalent Amount Currency = Account Currency

pain.001 View Equivalent Amount Account Equivalent Amount

Amount CHF 15 CHF Currency of Transfer GBP

camt.05x View
Instructed Amount Account Transaction Amount
CHF 15 CHF GBP 11.91 Exchange Rate 0.794

▪ Equivalent Amount Currency ≠ Account Currency

pain.001 View Equivalent Amount Account Equivalent Amount

Amount GBP 10 CHF Currency of Transfer CHF

Counter Value Amount

camt.05x View Instructed Amount CHF 12.48 Transaction Amount
GBP 10 Exchange Rate CHF 12.48
1.248

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 56
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 PT 3-8 PT D/S/X/C Equivalent Amount

▪ 3 currencies: Not allowed

Equivalent Amount Account Equivalent Amount

pain.001 View Amount GBP 10 CHF Currency of Transfer USD

camt.05x View
Instructed Amount Account Transaction Amount
GBP 10 CHF USD 13.85

▪ Equivalent Amount Currency and Currency of Transfer B-Level B-Level

have to be the same for all transactions per B-Level Amt CHF Amt CHF
CcyOfTrf USD CcyOfTrf USD

✓
Amt CHF Amt CHF
CcyOfTrf EUR CcyOfTrf USD

▪ Equivalent Amount and Instructed Amount B-Level B-Level

cannot be mixed in the same B-Level InstdAmt InstdAmt
(Credit Suisse implementation)
InstdAmt InstdAmt

✓
EqvtAmt InstdAmt

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 57
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create pain.001 All PT exchange rate

▪ Formula
Subject to discussion within the Swiss financial market

▪ Level
At Credit Suisse, exchange rate is provided in C-level

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 58
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Match pain.002 – status categories

Code Status category Comments

ACCP Accepted Syntax/semantics ok across all levels.

Not used at Credit Suisse, ACCP with status code used instead
ACWC Accepted with change (e.g. execution date modification by the bank is code DT06). Un-
C
like in production, ACWC is used in the ISO 20022 Test Platform*.

At least 1 B-level was incorrect (at least 1 correct) or

PART Partially accepted at least 1 C-level in 1 B-level was incorrect (at least 1 correct).
The ISO 20022 Test Platform* features examples.
GrpSts: whole message rejected. A-level not correct or all B- or C-
RJCT Rejected levels are incorrect.
PmtInfSts: all transactions in the corresponding B-level rejected.

Remarks: Shall be indicated in your software for bLink, Direct Link, Direct Exchange or SWIFT FileAct.
Necessary, but not sufficient information to show the full status of the payment order, see next page.

* credit-suisse.com/iso20022test

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 59
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Match pain.002 – status levels

Payment
software

Ex* Transmission
pain.001 Interface

potential
reject
Transaction
protocol, e.g. HAC
“We received a file”

Processing
pain.002
“We received a pain.001 file”
potential
reject

Execution
camt.05x
“The payment order was executed”
* Execution
All 3 bank-to-client files are necessary to show the correct status of the payment order!

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 60
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Reconcile debits camt.053/MT940 – ISO 20022

pain.001 camt.052/camt.053/camt.054

Point-to-point references End-to-end reference

Identify the Identify the Identify the
pain.001’s A-level pain.001’s B-level pain.001’s C-level

Batch CND/ MsgId PmtInfId 3

booking NOA
= true
CWD MsgId PmtInfId 3
InstrId EndToEndId

Batch NOA Amount, name…

4
booking
= false
SIA MsgId PmtInfId InstrId EndToEndId
2 1
(optional) (mandatory)

Recommended for reconciliation The EndtoEndId  is compulsory and is defined as major reconciliation ID for the debtor side.
Recommended for reconciliation if used But there are at least three exceptions:
Also included in camt.053  When your software allows to enter an EndToEndId created by the creditor, this ID
might not be unique, so you might also use the InstrId for the reconciliation on the debtor side
 The EndtoEndId is not included in the camt.05x for collective booking without details,
so for collective bookings the PmtInfId should be used by the debtor as it is also transmitted
in the case of CND or NOA.
 For individual booking and NOA, all references are missing in the camt.05x, so use
name/amounts/etc. for reconciliation

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 61
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Reconcile debits camt.053/MT940 – cross-format

During a transitional period, companies will use both ISO 20022 and old reporting formats.
The assignment of references between the formats takes place as follows:
Type of For (Level) Payment Order Statement/Advice
Reference pain.001 MT101 camt.05x MT940 Paper/PDF
Point-to-Point File (A) MsgId :20: MsgId - -
(P2P) Instruction (B) PmtInfId :21R: PmtInfId :61: subtag 7 or 9* ° -
Transaction (C) InstrId - InstrId :86: trigger tag ?21° -
End-to-End End-to-End-Info EndToEndId :21: EndToEndId :86: trigger tag ?22** EndToEndId
(E2E) Remittance-Info RmtInf :70: RmtInf :86: trigger tag ?60 RmtInf
* If ≤ 16 characters, then Subtag 7, otherwise Subtag 9
** If no InstrId available in payment order, then also in field :61: Subtag 7 or 9
° Collective booking: PmtInfId + space + file name (or Credit Suisse Direct alias). Single booking: InstrId.

Remarks about MT101 Remarks about MT940 Remarks about Paper/PDF

:20: Sender Reference :61: Details of the Transaction RmtInf/EndToEndId with
:21R: Customer Specified Reference :86: Info to Account Holder single booking.
:21: Transaction Reference ?21 Your Reference
:70: Remittance Information ?22 Client Reference
?60 Reason for payment
PmtInfId with collective booking,
InstrId/EndToEndId/RmtInf with
single booking

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 62
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Reconcile debits camt.052/MT942

▪ Intraday reports for cash management

▪ Matching basically the same as camt.053 or MT940

▪ Differences to account statement:

camt.052
- Balance Type Code only…
OPBD (opening booked, «definite booking balance», only in the first report of the day)
ITBD (interim booked, «pending booking balance») These are only provisional bookings
ITAV (interim available, «pending value balance») (Vormerkung, prénotage, prenotazione),
- Additional Entry Status: don’t use PDNG entries for (definite) bookings,
PDNG (pending), not used for control values otherwise you will book entries twice
MT942 (once as PDNG, once as BOOK)
- Field 61 Subfield 3 (debit/credit mark): These are only provisional bookings
EC (expected credit) instead of C (credit) (Vormerkung, prénotage, prenotazione),
ED (expected debit) instead of D (debit) don’t use EC/ED entries for (definite) bookings,
otherwise you will book entries twice
(once as EC or ED, once as C or D)
▪ For payment transactions, match provisional bookings
with bookings via the AcctSvcrRef

▪ When there are credits for the daily QR-bill collective booking, an incremental PDNG entry is listed in every
intraday report until the end of the booking period; all these entries and the booking have the same AcctSvcrRef

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 63
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Credits – all cases

Debits Credits

Debtor Creditor
 QR-bill 
or
Creditor Software Invoice Debtor Software
  
    Reconcile QR-bill credit
advice with QR-bills
MT940
pain.001

pain.002

camt.053 Return Info

camt.053 RmtInf/EndToEndId
MT940
camt.054 QR
 Reconcile
Return Info

account statement

RmtInf/EndToEndId
(camt.053 or MT940)

QR reference
or intraday report
(camt.052 or MT942)
with invoices or
pacs.004 pacs.004 accounting vouchers
Return Info Return Info

pacs.008 pacs.008
 Reconcile return/reject
Debtor Agent Clearing Platform Creditor Agent

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 64
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Create QR-bill
Booking BISR (decommissioned on Sep 30, 2022) QR-bill

Collective Agreement: required* Agreement: required*

Print: BISR by bank or client Print: QR-bill by client
ID: BISR-ID ID: QR-IBAN
Reference: 27-digit ISR reference Reference: 27-digit QR reference
Breakdown: Paper, V11 or camt.054 BISR Breakdown: camt.054 QR (or camt.053 full details)
Single Agreement: required* Agreement: none
Print: BISR by bank or client Print: QR-bill by client
ID: BISR-ID ID: QR-IBAN**
Reference: 27-digit ISR reference Reference: 27-digit QR reference**
Breakdown: none Breakdown: none

* For a required agreement between client and Credit Suisse (about collection options, delivery channels etc.),
the client has to get in touch with his/her usual contact at Credit Suisse
** IBAN + any reference cannot ensure that the reference will be included in the payer’s payment order, therefore
QR-IBAN + QR reference is preferred for all QR-bills with known amount and known debtor.
At Credit Suisse, there is only one QR-IBAN per IBAN/account.

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 65
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Reconcile credit advice – QR reference sources

Subscription ISR/QR details (ISR/QR reference)
QR-bill credits camt.053 In Account Statement In QR Credit Advice
MT940 camt.053 camt.054 QR

Collective booking camt.053 no details

(standard) (standard) No Yes
camt.053 debit details

camt.053 full details

No Yes No
Single booking camt.053 no details
(standard) Yes
camt.053 debit details

camt.053 full details

No

QR-bill collective booking is Credit Suisse’s QR-bill standard offering. QR references are provided in a
camt.054 QR file for debtor accounting. The MT940 or camt.053 serves the financial accounting.
QR-bill single booking will result in QR references in the MT940 or camt.053. Booking takes place immediately.
This should only be used with few invoices as many QR credits will blow up the camt.053.
Both QR collective and single booking will oversteer the camt.053 detail subscription for QR credits.

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 66
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Reconcile credit advice – account statement

Reporting Message Type Reporting Message Referencing
Combination (Order Reference)
Account QR Account
Statement Credit Advice Statement Credit Advice

MT940 camt.054 QR :86:1024?051234567890ABCDEFG <Ntfctn>

<Id>1234567890ABCDEFG</Id>
</Ntfctn>

camt.053 camt.054 QR <Ntry> <Ntry>

… …
<AcctSvcrRef> <AcctSvcrRef>
1234567890ABCDEFG/1 1234567890ABCDEFG/1
</AcctSvcrRef> </AcctSvcrRef>
… …
</Ntry> </Ntry>

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 67
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Reconcile credit advice – camt.054 QR grouping

▪ With QR-bill, the camt.054 QR is created for each QR-IBAN. Since each bank account at Credit Suisse has only
one QR-IBAN, it is not possible to continue the previous set-up involving bank accounts with multiple subscriber
numbers. The QR-IBAN is the same as the IBAN, but with different IID and check number. There is a bank master
available for IIDs and QR-IIDs at PaymentStandards.CH.

QR-IBAN 1 account 1 camt.054 QR (zipped*)

▪ However, the first six digits of the QR reference are at your disposal, thereby making a total of 26 positions in the
27-digit reference number. So the first six digits of the QR reference can be used by the accounts receivable
software (just as the BISR-ID were used for BISR credits, therefore, for instance, the same BISR-ID sequence of
the ISR reference can be used as the first 6 digits of the QR reference).
+ First 6 digits
QR-IBAN + First 6 digits 1 account 3 camt.054 QR (zipped*)
+ First 6 digits

* except via SWIFT FileAct

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 68
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Reconcile account statement

▪ Match with (unstructured) remittance information, debtor name, amount etc.

▪ Matching with a structured reference is considerably easier:

→ Domestic use QR-bill with QR reference.
This reference can be enforced by the debtor agent.
→ Cross-border use ISO 11649 creditor reference (starting with RF…).
It cannot be enforced by the debtor agent, though.

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 69
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Reconcile MT940 with QR-bill credits

Collective booking
▪ Collection by QR-IBAN or collection by QR-IBAN and 6 initial characters of the QR reference
:61:2002120212C240,85NMSCNONREF//80VD-0211-CS-869
CH4531000831854071000
:86:1026?0580VD200211CS93869

Single booking
▪ QR-IBAN and QR reference
:61:2002120212C240,85NMSC300209CH057DBAXR//80VD-0211-CS-869
999999000000000008805636727
:86:1022?0580VD200211CS93869?22SP-44330965-0?32Max Muster?60Rabatt gemass Absprache
▪ IBAN and creditor reference
:61:2002120212C240,85NTRF300209CH057DBAXR//80VD-0211-CS-869
RF18000000000539007547034
:86:1001?0580VD200211CS93869?22SP-44330965-0?32Max Muster?60Rabatt gemass Absprache
?21RF18000000000539007547034
▪ IBAN without structured reference
:61:2002120212C240,85NTRF300209CH057DBAXR//80VD-0211-CS-869
:86:1001?0580VD200211CS93869?22SP-44330965-0?32Max Muster?60Rabatt gemass Absprache

Legend: QR-IBAN Extended Product Code Reference to camt.054 Structured reference

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 70
Use cases Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

 Reconcile return/reject
Normal booking Reverse booking
▪ Credits list the Debtor as Related
Party (and Debits list the Creditor
as Related Party)…

▪ … except with BTCs indicating a

reverse transaction:
RRTN
PRDD (for SEPA DD)
CQRV (for checks)

▪ The Reason Code can be

– NARR with plain text in the
tag AddtlInf
or
– Any other return reason from
the ISO External Code Sets
spreadsheet (sheet
13-ReturnReason)

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 71
Use cases
Domestic direct debit
▪ Please check the LSV+/BDD handbook for details:
https://www.six-group.com/de/products-services/banking-services/billing-and-payments/direct-debits.html

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 72
Use cases
Cross-border direct debit (SDD)
▪ Please check the Swiss Implementation Guidelines for Customer-Bank Messages SEPA Direct Debit for details:
https://www.six-group.com/dam/download/banking-services/interbank-clearing/de/standardization/iso/swiss-
recommendations/archives/implementation-guidelines-sdd/implementation-guidelines-sdd.pdf

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 73
Channels

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 74
Channels Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Find recommended channels: countries

▪ Switzerland
Pages 76-87 include information about payment channels for Credit Suisse bank accounts in Switzerland

▪ European Union
For a PSD2 dedicated API, please go to the Credit Suisse PSD2 Open Banking API Portal.
Correspondence about this channel only via the form on that website.
The channel covers (in some countries only partly):
- Bank accounts at
Credit Suisse AG, Sucursal en España
Credit Suisse (Italy) S.p.A.
Credit Suisse (Luxembourg) S.A. including their Austria, France, Ireland, Netherlands and Portugal branches
Credit Suisse (UK) Limited
- The following services:
Account Information Service (AIS)
Payment Initiation Service (PIS)
Funds Confirmation Service (FCS)

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 75
Channels Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Find recommended channels: set-ups

Standard set-up
Contract for relationship & channel
§

Corporate
File transfer

Fiduciary set-up Appendix for authorized third party (fiduciary)

§ Contract for relationship & channel
§

Corporate Fiduciary
Bills etc. File transfer

§
Fiduciary contract §
Contract for channel

For channel-specific details see the following pages.

Legend: § Contract Payment File Automatic Manual

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 76
Channels Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Find recommended channels: standard set-up

Would you like to offer your clients payment

file transfer directly from/to your solution?
yes
Does your solution include user signature administration (e.g. four-eye principle)?
yes
no Do you also have private individuals as clients?
no
no Do you need direct debit and intraday functionality?
yes
yes Do you prefer a standard solution?
yes
no For Switzerland/Eu-
rope or world-wide?
Do you need no
world-wide
e-doc (PDF)
functionality?
no Switzerland
Europe

yes

Credit Suisse Credit Suisse bLink Direct Ex- Direct Link SWIFT
Direct Direct DXI change (FTP) (EBICS)

For details see next page

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 77
Channels Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Find recommended channels: standard set-up details

Focus
Credit Suisse Online Banking Direct Direct SWIFT
contract Link Exchange
Platform/ Credit Suisse Credit Suisse bLink EBICS SFTP FileAct
interface Direct Direct DXI

Lifecycle Growth Decline Introduction Growth Growth Growth

Primary Primary If full format

recommendations channel for offering
SME and required
private client
solutions

Secondary If no direct If on- If EBICS If you want to

recommendations file transfer premises implemen- offer SWIFT
from your solution does tation is not network
solution to not include feasible for access for
Credit Suisse signature ad- you, yet public multi-
offered ministration nationals

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 78
Channels Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Find recommended channels: fiduciary set-up

Does your solution (also) aim at fiduciaries?

yes
Does the fiduciary upload payment orders himself?
yes
no Do you want to avoid a bank contract for the fiduciary?
yes
no Do you need more formats than pain.001 and camt.053*?
no
no

yes

See page 77 See page 77 Direct Link bLink***

(EBICS)**

* with all details including QR references ** Corporate clients only *** private clients planned

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 79
Channels Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Functions – standard solution options for file transfer

Focus
Credit Suisse Online Banking Direct Direct SWIFT
contract Link Exchange
Platform/ Credit Suisse Credit Suisse bLink EBICS SFTP FileAct
interface Direct Direct DXI

File transfer Manual Directly from/to your payment solution

Convenience

Login Manual Key administration in solution: automated login

Signature Solution*** Solution (ES*)
Bank Bank Solution Solution
administration Bank**** Bank (EDS**)
Legally Corporate & private Corporate Public corp.
Clients

All (partly Private Multinational enterprises

Practical use
as backup) SME
Platform Cloud-based or on-premises
Environment

Formats Reduced offering, see next two pages Full offering

Specifications Credit Suisse National International Multibank International

Legend More options, more control or higher reusability * Electronic signature *** With one bank user
Fewer options, less control or less reusability ** Electronic distributed signature (VEU) **** Several bank users required

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 80
Channels Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Formats & market practices – payments and reporting

Focus
Credit Suisse Online Banking Direct Direct SWIFT
contract Link Exchange
Platform/ Credit Suisse Credit Suisse bLink EBICS SFTP FileAct
interface Direct Direct DXI

pain.001 SPS, CGI SPS SPS SPS, CGI SPS, CGI SPS, CGI
ISO 20022

pain.002 Status in GUI SPS SPS, CGI SPS, CGI SPS, CGI
camt.052 SPS SPS SPS
camt.053 SPS* SPS* SPS SPS* SPS* SPS*
camt.054 QR SPS** SPS** Details SPS** SPS** SPS**
PSS (Payments) yes
Legacy JSON

AIS (Account Info) yes

MT940 yes yes yes yes yes
MT942 yes yes yes

Legend Available Available in alternate way * with or without collective credit breakdown ** for corporate clients

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 81
Channels Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Formats & market practices – direct debit

Credit Suisse Online Banking Direct Direct SWIFT
contract Link Exchange
Platform/ Credit Suisse Credit Suisse bLink EBICS SFTP FileAct
interface Direct Direct DXI

pain.008 SDD SPS SPS SPS

Legacy ISO 20022

pain.002 SPS SPS SPS

camt.054 LSV SPS SPS SPS SPS SPS
LSV TA875 yes yes yes yes
V11 LSV/BDD yes yes yes yes yes

Legend Available Available in alternate way

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 82
Channels Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Standard set-up – Online Banking

Credit Suisse Direct Contract for online banking
Every step is manual §

Manual login
Corporate Business Folder Browser
software
Manual
up-/download

Credit Suisse Direct DXI Contract for online banking

Automatic file transfer after manual login
§

Manual login
Corporate Business
software
Automatic
up-/download

Contract for online banking

bLink § Electronic approval for bLink
Manual signature(s) required after automatic login & file transfer §
Automatic login
Business
Corporate Software Automatic
by TPP* Browser up-/download
Manual login/signature
* Third Party Provider

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 83
Channels Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Standard set-up – Direct Link

Contract for cash management
§ Appendix for Direct Link or Direct Exchange
Direct Link (ES) / Direct Exchange
Automatic login and file transfer §

Automatic login
Corporate Business
software
Automatic
up-/download
with type E signature

Contract for cash management

§ Appendix for Direct Link
Direct Link (EDS) § Appendix for Electronic Distributed Signature
Example set-up; like ES plus automatic signatures required
§
Automatic login

Corporate Business Automatic

software up-/download
as client 1 with type T signature
by user x
IT environment A Automatic login
and type A signature
IT environment B by user y
Client 2
Automatic login and
type A or B signature
by user z
Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 84
Channels Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Fiduciary set-up – file transfer by client

Corporate sends payment order to Credit Suisse
Contract for channel
§

Payment order file

Corporate
via any channel
Fiduciary
§ Bills Payment order file
contract

Fiduciary Business software

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 85
Channels Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Fiduciary set-up – file transfer via Direct Link

Fiduciary sends payment order to Credit Suisse Contract for Direct Link
via Direct Link § Appendix for authorized third party
§
Corporate

Fiduciary
§ Bills
contract
Payment order file
Fiduciary Business software
via EBICS (ES)
Software Bank sees one user
users per corporate § Contract for Direct Link (1 for all corporates)
Fiduciary receives reporting by Credit Suisse
via Direct Link Contract for Direct Link
§ Appendix for authorized third party
§
Corporate
Fiduciary Sees balances/movements
contract §
Statements/advices for
all corporates at once
Fiduciary Business software
via EBICS (ES)

§ Contract for Direct Link (1 for all corporates)

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 86
Channels Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Fiduciary set-up – file transfer via bLink

Contract for online banking
Corporate sends payment order to Credit Suisse § Electronic approval for bLink
via bLink* § Appendix for authorized third party
§
Corporate User Manual signature
Fiduciary Business software via online banking
contract § by TPP in cloud
Payment order file
Fiduciary User
via bLink

Fiduciary receives reporting by Credit Suisse Contract for online banking

via bLink* § Electronic approval for bLink
§ Appendix for authorized third party
§
Corporate User
Fiduciary Business software
contract § by TPP in cloud Statements/advices
selective
Fiduciary User
via bLink

* Depending on the Third Party Provider (TPP) set-up, contact Software Partner Team before implementing

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 87
Formats

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 88
Formats Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Find recommended Formats

Message type Legacy format Intermediate format New format

DTA decommissioned None ISO 20022 pain.001

Credit transfer
SWIFT MT101

LSV TA875 ISO 20022 pain.008 CH-TA* Unknown yet, stay currently with LSV
Direct debit
ISO 20022 pain.008 SEPA Direct Debit

Status report Protocols decommissioned None ISO 20022 pain.002

SWIFT MT940/MT942
SWIFT MT940/MT942 None ISO 20022 camt.053/camt.052

Reporting V11 LSV ISO 20022 camt.054 LSV Stay with V11 until the end of LSV

None None ISO 20022 camt.054 QR

(SWIFT MT900/MT910) None ISO 20022 camt.054 Debit/Credit***

Legend: Primary format * not offered by Credit Suisse

** other financial institutions may require these intermediate formats
Multinationals format
*** no go-live date, yet
Obsolete format**

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 89
Formats Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Find recommended ISO 20022 Market Practices

Market Practice Purpose Specifications

File exchange with

SPS Swiss Payment Standards www.iso-payments.ch
Swiss banks

www.swift.com/standards/market-
File exchange with trans-
CGI Common Global Initiative practice/common-global-implementation
action banks world-wide
plus Credit Suisse specific guidelines*

Legend: Primary market practice * Credit Suisse Specifications

Multinationals market practice

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 90
Formats Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Credit transfer – overview

Credit transfer 2021 2022 2023 2024 2025

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Credit Suisse Direct
pain.001 SPS Credit Suisse Direct DXI
Version pain.001.001.03.ch.02 (ISO V2009)
IG pain.001 1.10 and 1.11 bLink
Direct Link / Direct Exchange / FileAct
Credit Suisse Direct
pain.001 SPS Credit Suisse Direct DXI
Version pain.001.001.09.ch.03 (ISO V2019)
IG pain.001 2.0 bLink
Direct Link / Direct Exchange / FileAct
pain.001 CGI Credit Suisse Direct
Version pain.001.001.03 (ISO V2009) Direct Link / Direct Exchange / FileAct
pain.001 CGI Credit Suisse Direct
Version pain.001.001.09 (ISO V2019) D. Link / D. Exc. / FileAct
MT101 single payments SWIFT FIN
JSON PSS* bLink

* Payment Submission Service which is a PIS (Payment Initiation Service) with additional signature requirement
New formats: Manual channel Automatic channel Legacy formats: Manual channel Automatic channel
Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 91
Formats Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Credit transfer – payment type information

Payment type information B-level C-level

HIGH (express payment between

Instruction Priority
noon and cut-off time at Credit Suisse)

SEPA (Payment Type PT 5) SEPA (Payment Type PT 5)

Service Level

SALA (Salary payment, has no effect SALA

Category Purpose
on advice steering at Credit Suisse) ()

Combinations on B-Level and C-Level are accepted by Credit Suisse.

HIGH (on B-Level) cannot be combined with SEPA on B-Level.

Legend: Level mandatory or recommended

Level alternate option

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 92
Formats Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Credit transfer – issues to consider

Issue Comments

▪ Recommendations are not mandatory, but there is always a reason why

they are not only classified as optional
Recommendations
▪ Therefore Credit Suisse strongly encourages to implement not only
mandatory elements, but also recommended ones

▪ Create unique IDs like MsgId, PmtInfId and InstrId to facilitate file
processing and support
Short, unique IDs ▪ InstrId is only recommended, but strongly encouraged by Credit Suisse
▪ IDs are used in telephone support, so please avoid complicated and long
combinations of upper and lower case IDs

▪ Name: the Name of the Initiating Party should be the actual name
of the client sending the payment order to the bank
Initiating party ▪ Contact Details: please use the Initiating Party Contact Detail tags Name
and Other to list the name and the version of your software, this will help
to support our mutual customers considerably

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 93
Formats Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Credit transfer – top 3 format traps

Issue Reference Comment

SALA is not sufficient

Swiss Business Rules SALA has no effect on the type of processing and advices.
for salary payments,
Version 2.6.2 Advice steering has to be implemented instead.
implement advice
Chapter 4.11 and 4.7 See pages 51-54 for details.
steering

Don’t allow Instruction Priority (HIGH), Service Level (SEPA),

Swiss Business Rules
Payment Type and Category Purpose (SALA) have to be in the
Version 2.6.2
Information same level (B or C).
Chapter 4.5.2.2
on several levels See page 92 for details.

In pain.001, the B-Level controls the booking method, the

Avoid payments
Swiss Business Rules C-Level controls the transactions (payments). If you choose
grouping version
Version 2.6.2 the grouping version «separate», every transaction (C-Level)
«separate»,
Chapter 4.2 will be in one B-Level. In practice, this makes collective
use «mixed» instead
bookings impossible. Use «mixed» instead.

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 94
Formats Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Direct debit
Direct debit 2021 2022 2023 2024 2025

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Credit Suisse Direct
Credit Suisse Direct DXI
LSV/BDD TA875 Direct Link
Direct Exchange
SWIFT FileAct

pain.008 SEPA Direct Debit SPS Direct Link

Version pain.008.001.02.ch.01 SEPA Direct Exchange
Scheme 2.6 SWIFT FileAct

Remark: pain.008.001.02.ch.03 CH-TA not supported

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 95
Formats Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Status report
Status report for pain.001 & pain.008 2021 2022 2023 2024 2025

1Q
1Q
2Q
3Q
4Q
1Q
2Q
3Q
4Q
1Q
2Q
3Q
4Q
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2Q
3Q
4Q

2Q
3Q
4Q
bLink*
pain.002 SPS Direct Link**
Version pain.002.001.03.ch.02 (ISO V2009)
IG pain.002 1.1.2 Direct Exchange**
SWIFT FileAct**
bLink*
pain.002 SPS Direct Link**
Version pain.002.001.10.ch.02 (ISO V2019)
IG pain.002 2.0 Direct Exchange**
SWIFT FileAct**
Direct Link
pain.002 CGI
Direct Exchange
Version pain.002.001.03 (ISO V2009)
SWIFT FileAct
Direct Link
pain.002 CGI
Direct Exchange
Version pain.002.001.10 (ISO V2019)
SWIFT FileAct

Remark: Credit Suisse Direct without pain.002 but with status indication on browser page
* for pain.001 only ** including pain.002 for LSV TA875

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 96
Formats Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Reporting – account report (intraday)

Reporting account report 2021 2022 2023 2024 2025

1Q
1Q
2Q
3Q
4Q
1Q
2Q
3Q
4Q
1Q
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3Q
4Q
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4Q
camt.052 SPS* Direct Link
Version camt.052.001.04 (ISO V2013) Direct Exchange
IG camt 1.7.2
SWIFT FileAct

camt.052 SPS* Direct Link

Version camt.052.001.08 (ISO V2019) Direct Exchange
IG camt 2.0
SWIFT FileAct
Direct Link
camt.052 CGI*
Version camt.052.001.08 (ISO V2019) Direct Exchange
SWIFT FileAct
Direct Link
MT942 Direct Exchange
SWIFT FileAct / FIN

* Variants: Balance report (balances only)

Full report (balances + movements)

Periodicity: Freely choosable

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 97
Formats Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Reporting – account statement (end of day)

Reporting Account Statement 2021 2022 2023 2024 2025

1Q
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2Q
3Q
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1Q
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3Q
4Q
1Q
2Q
3Q
4Q
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2Q
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Credit Suisse Direct**
camt.053 SPS* Credit Suisse Direct DXI**
Version camt.053.001.04 (ISO V2013)
IG camt 1.7.2 bLink (only with d&c details)
Direct Link / Direct Exchange / FileAct **
Credit Suisse Direct
camt.053 SPS* Credit Suisse Direct DXI
Version camt.053.001.08 (ISO V2019)
IG camt 2.0 bLink (only with d&c details)
Direct Link / Direct Exchange / FileAct
Credit Suisse Direct**
camt.053 CGI*
Credit Suisse Direct DXI**
Version camt.053.001.08 (ISO V2019)
D. Link / D. Exc. / FileAct
Credit Suisse Direct**
MT940 Credit Suisse Direct DXI**
Direct Link / Direct Exchange / FileAct / FIN **
JSON AIS bLink
* Variants for account default: No details (see next page)
With debit details (“with details”, see next page, only Direct Link / Direct Ex. / FileAct)
With debit and credit details (“full details”, see next page, ** = without this variant)
Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 98
Formats Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Reporting – account statement (end of day) defaults

Account default Debit Credit

Single bookings Collective credit breakdown

for QR-bill/LSV/BDD

Same general behavior for both account With debit and - via bLink
Batch booking defaults: debit advice & booking control credit details automatically included
no details (see page 51) oversteers account default. (in camt.053 or AIS)
- via other channels
Different behavior only in two non- only in additional file
recommended debit advice & booking (camt.054 QR,
Batch booking control combinations: camt.054 LSV/BDD)
with debit details Payment Information Batchbooking
(“with details”) + Debtor Account
++ Type
+++ Proprietary
Batch booking SIA True or empty Included in camt.053 and
with debit and camt.052 full report
Empty True or empty
credit details
(“full details”)

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 99
Formats Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Reporting – collective credit breakdown LSV/BDD

Reporting collective credit breakdown 2021 2022 2023 2024 2025

1Q
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2Q
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Credit Suisse Direct Credit Suisse Direct
camt.054 BISR/LSV SPS until Sep 30, 20 22 Credit Suisse DXI Credit Suisse DXI
camt.054 LSV/BDD SPS from Oct 1, 2022 Direct Link Direct Link
Version camt.054.001.04 (ISO V2013)
IG camt 1.7.2 Direct Exchange Direct Exchange
SWIFT FileAct SWIFT FileAct
Credit Suisse Direct
camt.054 LSV/BDD SPS Credit Suisse Direct DXI
Version camt.054.001.08 (ISO V2019) Direct Link
IG camt 2.0 Direct Exchange
SWIFT FileAct
Credit Suisse Direct Credit Suisse Direct
Credit Suisse DXI Credit Suisse DXI
V11 BISR/LSV until Sep 30, 2022
Direct Link Direct Link
V11 LSV/BDD from Oct 1, 2022
Direct Exchange Direct Exchange
SWIFT FileAct SWIFT FileAct

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 100
Formats Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Reporting – collective credit breakdown QR-bill

Reporting collective credit breakdown 2021 2022 2023 2024 2025

1Q
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Credit Suisse Direct
camt.054 QR SPS
(only contains QR-bill credits with Credit Suisse Direct DXI
QR-IBAN) Direct Link
Version camt.054.001.04 (Version 2013)
IG camt 1.7.2 Direct Exchange
SWIFT FileAct
Credit Suisse Direct
camt.054 QR SPS
(only contains QR-bill credits with Credit Suisse Direct DXI
QR-IBAN) Direct Link
Version camt.054.001.08 (Version 2019) Direct Exchange
IG camt 2.0
SWIFT FileAct
in camt.053 SPS bLink

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 101
Formats Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Reporting – camt.05x subscriptions related to bookings

possible combinations

No go-live date, yet No go-live date, yet

Timeline camt.053 camt.052 Bookings camt.054 camt.054 camt.054 camt.054

e.g. incremental and provisional bookings credit/debit QR LSV/BDD coll. debit
One camt.054 per One camt.054 per One camt.054 per One camt.054 per
booking except for collective credit collective credit collective debit
collective credits for QR-bill for LSV or BDD

July 15 Debit CHF 10 10

With details.
Not available yet.
30 Exam- Single booking
e.g. 3 10 BOOK ples

hours
20 BOOK page Credit CHF 20 20 With details
120. Not available yet.
Single booking
0 Exam-
e.g. 6 30 PDNG ples
page
hours 120. QR-bill Credit CHF 30***
Provisional collective booking Details according to
50 pain.001 advice steering.
50 Exam- Debit CHF 50 Not available yet.
With Details**.
50 Not available yet.
e.g. 2 50 BOOK ples Collective booking
40 PDNG page
hours 120. QR-bill Credit CHF 40***
Provisional collective booking
18:00 With Details.
60 Example page 124:
AcctSvcrRef QR Credit CHF 60
Collective booking* CAMT054-06.

LSV Credit CHF 40 40 With Details

Example p. 124:
Details according to account default Collective booking* CAMT054-05.
and pain.001 advice steering. AcctSvcrRef (camt.053)
Examples pages 121/122. AcctSvcrRef (camt.053) Ntfctn Id (camt.054)
July 16 180 Ntfctn Id (camt.054) see page 67 AcctSvcrRef (camt.053) MsgId (camt.053 C-Level)
Ntfctn Id (camt.054) MsgId (camt.054 A-Level)

* One booking per subscriber number (LSV) or per QR-IBAN (QR) or optionally per QR-IBAN and first six QR reference digits (QR)
** Also issued when camt.053 entry includes details (pain.001 advice steering CWD or empty) *** Sum of all LSV or BDD Credits on that date up to that time

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 102
Formats Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Reporting – manual import of ZIPped camt.05x

▪ Credit Suisse Direct only provides camt.05x files in ZIP files.
Reason 1: When several camt.05x are ready for download, it is easier to download them in a ZIP file.
Reason 2: When also single camt.05x files are saved in a ZIP file, our common client and your software has
only to deal with one import process.
▪ Problem: if the CS client unzips the file and uploads the camt.05x manually, he might miss a file or upload a file
twice. Therefore please make sure to support at least one of the following options:

Channel Download Unzip Import

Jul 5, 202x

ZIP file
Option 1
Software
Preferred camt.05x
Jul 2, 202x 1 ZIP file User 1 ZIP file
Mark files
camt.05x
Option 2 Jul 3, 202x Software
camt.05x 3 marked files
Jul 4, 202x
1 ZIP file User

Option 3 Software
1 ZIP file User One file after another
Duplicate
check
needed

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 103
Formats Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Reporting – common payment BTCs at Credit Suisse

without SEPA Direct Debit, without Checks*

Domain Family Sub Debit/ Booking Transaction Type

Family Credit (SPS pain.001 Payment Type V2019/V2019)
PMNT ICDT AUTT Debit Collective Any
BOOK Single Bank-internal account transfer
DMCT Domestic credit transfer in CHF/EUR (3/D)
VCOM Domestic QR-IBAN (3/D)
ESCT Crossborder SEPA (5/S)
XBCT Crossborder non SEPA (6/XV2) or
domestic non CHF/EUR (4/XV1)
RRTN Return or reject, also see page 71
RDDT PMDD Domestic direct debit LSV/BDD
RCDT BOOK Credit Single Bank-internal account transfer
DMCT Single Domestic credit transfer in CHF/EUR
VCOM Single or collective Domestic QR-IBAN
ESCT Single Crossborder SEPA
XBCT Single Crossborder non SEPA or domestic non CHF/EUR
RRTN Single Return or reject, also see page 71
IDDT PMDD Single or collective Domestic direct debit LSV/BDD
* More detailed list in the Credit Suisse Message Implementation Guidelines for Cash Management chapter 3.4.

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 104
Testing

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 105
Testing Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

List of compatible payment software – conditions

▪ List

Credit Suisse provides a list of Compatible Software for Payment Transactions.

https://www.credit-suisse.com/media/assets/microsite/docs/zv-migration/kompatible-software-en.pdf

▪ Joining conditions

1. Free format testing:

Upload and download as many test files as possible between your software and the
Credit Suisse ISO 20022 Test Platform at credit-suisse.com/iso20022test

2. Upload pain.001 format examples to the Credit Suisse ISO 20022 Test Platform:
Once all your tests have been successfully run, please make another test run for all the payment types for
which you would like to declare compatibility with Credit Suisse in our list of Compatible Software for
Payment Transactions. Report your uploads to [email protected] .

3. Fill in the questionnaire sent to you after point 2

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 106
Testing Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

List of compatible payment software – example

General: information provided by you

Interfaces: implemented and tested with Credit Suisse

pain.001 normal: pass tests with offered PTs

pain.001 salary: pass test with PT 3/D confidential payment

pain.008, pain.002, camt.05x: test at your own discretion

Restrictions: Not provided PTs will be listed as footnote

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 107
Testing Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Channel testing: options

Credit Suisse channels Testing options

Manual Credit Suisse Direct Demo version planned

Semi Credit Suisse Direct DXI Contact [email protected]
automatic bLink Contact SIX at six-group.com/blink
Direct Link* Contact [email protected]
Automatic Direct Exchange* Contact [email protected]
SWIFT FileAct Contact [email protected]

▪ Standard channel testing are penny tests in production. For EBICS testing, a production test
account can be provided. For DXI implementation, test environment is available. Other test
environments on demand and subject to fees.

* The Credit Suisse ISO 20022 Test Platform provides EBICS and FTP access only for file format testing
convenience, this functionality is not considered to be for testing of channels

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 108
Testing Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Format testing: options

Messages Testing options

Credit x-fer pain.001 credit-suisse.com/iso20022test Validation

TA875 LSV/BDD Contact [email protected]
Direct debit
pain.008 SDD credit-suisse.com/iso20022test Validation
Status pain.002 credit-suisse.com/iso20022test Output from pain.001/pain.008
Intraday camt.052 credit-suisse.com/iso20022test Example files
reporting MT942 Contact [email protected]
Account camt.053 credit-suisse.com/iso20022test Example files
statement MT940 Contact [email protected]
Collective camt.054 LSV/BDD credit-suisse.com/iso20022test Example file
credit V11 LSV/BDD Contact [email protected]
breakdown camt.054 QR credit-suisse.com/iso20022test Example file

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 109
 Testing Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Format testing: best practice & camt test files (1/15)

In the ISO 20022 Test Platform, you will find best-practice files as an example for the files created by your software.
Positive cases include the code POS, negative cases are marked with the code NEG.

Adapt the following examples to the test files created by your software. The test should follow the general idea of an example,
e.g. BP01-POS shall have two or more B-Levels with several (e.g. 5 as in the example) payments in each B-Level.

Payment type 1: ISR payments in CHF and EUR (orange payment slip)

BP01-POS ISR payments with ISR number

pain.002 ACCP A correct file is submitted with two B-Levels, each with five ISR payments. The first instruction (B-Level) contains payments
in CHF and has a technically correct ISR subscriber number starting with 01. The second instruction contains payments in EUR
Test needed for and also has a technically correct ISR subscriber number, but this one starts with 03.
list of compatible The file should be processed without errors and warnings. A pain.002 is generated with ACCP as well as a camt.053, in which
software “pain.001 all 10 transactions are booked with details. PMNT/ICDT/VCOM is entered as BkTxCd in the transaction details.
SPS normal”

BP01-NEG ISR reference number incorrect

pain.002 PART A file is submitted with two B-Levels, each with five ISR payments. The file is almost identical to BP01-POS, but the ISR
reference number in the fifth payment of the first B-Level is abc555555555555555555555559 and is thus incorrect.
In the pain.002, the A-Level and the second B-Level are partially accepted with PART, and only the affected C-Level is rejected
with RJCT. The rejection only contains error code CH16 and the underlying element as an XML structure under OrgnlTxRef.
The 9 correct transactions are booked with details in camt.053.

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Testing Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Format testing: best practice & camt test files (2/15)

BP90-A-NEG Execution date too far in the past
pain.002 PART A file is submitted with two B-Levels, each with five ISR payments. The file is almost identical to BP01-POS, but the execution
date for the second B-Level is 2014-08-01 and is thus too far in the past.
In the pain.002, the A-Level is partially accepted with PART, and only the affected B-Level is rejected with RJCT. The rejection
only contains error code DT01. The 5 transactions of the correct B-Level are booked with details in camt.053.

BP90-B-NEG Execution date too far in the future

pain.002 PART A file is submitted with two B-Levels, each with five ISR payments. The file is almost identical to BP01-POS, but the execution
date for the second B-Level is 2018-08-01 and is thus too far in the future.
In the pain.002, the A-Level is partially accepted with PART, and only the affected B-Level is rejected with RJCT. The rejection
only contains error code DT01. The 5 transactions of the correct B-Level are booked with details in camt.053.

BP90-C-NEG Execution date on a Sunday

pain.002 ACCP A file is submitted with two B-Levels, each with five ISR payments. The file is almost identical to BP01-POS, but the execution
date for the second B-Level is 2016-09-18 and thus falls on a Sunday.
In the pain.002, the A-Level and the relevant B-Level are marked with ACCP (not ACWC). Error code DT06 is also provided for
the B-Level. 2 x camt.053 are created, each with five transactions. The execution date for the second B-Level falls on the next
bank working day.

BP90-D-NEG No execution date provided

pain.002 RJCT A file is submitted with two B-Levels, each with five ISR payments. The file is almost identical to BP01-POS, but the execution
date for the second B-Level is empty.
Since there is a schematic violation, the entire file is rejected. In the pain.002, the entire A-Level is rejected with error code
FF01.

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Testing Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Format testing: best practice & camt test files (3/15)

BP91-NEG Control sum error (A level)
pain.002 PART
pain.002 RJCT A file is submitted with two B-Levels, each with five ISR payments. The file is almost identical to BP01-POS, but the control
sum (CtrlSum) is 3,000 instead of 30,000 and is therefore incorrect.
In the pain.002, the entire A-Level is rejected with RJCT. The rejection only contains error code AM10. No camt.053
is generated.

BP92-NEG Account number error (B level)

pain.002 PART A file is submitted with two B-Levels, each with five ISR payments. The file is almost identical to BP01-POS, but the account
number (DbtrAcct) in the second B-Level is CH7304835833740031000, and thus has an incorrect check sum.
In the pain.002, the A-Level is partially accepted with PART, and only the affected B-Level is rejected with RJCT. The rejection
only contains error code AC01. The 5 transactions of the correct B-Level are booked with details in camt.053.

BP93-NEG Amount error (C level)

pain.002 PART A file is submitted with two B-Levels, each with five ISR payments. The file is almost identical to BP01-POS, but the amount
of the fifth payment in the second B-Level is 0 and is thus not permitted.
In the pain.002, the A-Level and the second B-Level are partially accepted with PART, and only the affected C-Level is rejected
with RJCT. The rejection only contains error code AM01 and the underlying element as an XML structure under OrgnlTxRef.
The 9 correct transactions are booked with details in camt.053.

BP94-NEG B level ID not unique within the file

pain.002 RJCT A file is submitted with two B-Levels, each with five ISR payments. The file is almost identical to BP01-POS, but the ID
of the second B-Level (PmtInfId) is the same as the ID of the first B-Level.
In the pain.002, the entire A-Level is rejected with RJCT. The rejection only contains error code DU02. No camt.053
is generated.

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 Testing Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Format testing: best practice & camt test files (4/15)

BP95-NEG Exchange rate information provided
pain.002 PART A file is submitted with two B-Levels, each with five ISR payments. The file is almost identical to BP01-POS, but an exchange
rate (XchgRateInf) is specified for the first payment in the first B-Level, which is not permitted.
In the pain.002, the A-Level and the first B-Level are partially accepted with PART, and only the affected C-Level is rejected
with RJCT. The rejection only contains error code CH17 as per SIX's Implementation Guide and the underlying element
as an XML structure under OrgnlTxRef. The 9 correct transactions are booked with details in camt.053.

BP96-NEG No initiating party provided

pain.002 RJCT A file is submitted with two B-Levels, each with five ISR payments. The file is almost identical to BP01-POS, but the initiating
party (InitgPty) is missing. Since there is a schematic violation, the entire file is rejected. In the pain.002, the entire A-Level
is rejected with error code FF01.

Payment type 2: IS payments in CHF and EUR (red payment slip)

BP02-POS IS payments

pain.002 ACCP A correct file is submitted with two B-Levels, each with five single-level IS payments. The first instruction (B-Level)
contains payments in CHF to post office account 70-4152-8. The second instruction contains payments in EUR,
Test needed for also to post office account 70-4152-8.
list of compatible The file should be processed without errors and warnings. A pain.002 is generated with ACCP as well as a
software “pain.001 camt.053, in which all 10 transactions are booked with details. PMNT/ICDT/DMCT is entered as BkTxCd
SPS normal”
in the transaction details.

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 Testing Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Format testing: best practice & camt test files (5/15)

Payment type 3: payments in CHF and EUR in Switzerland

BP03-A-POS Domestic payments in CHF/EUR (examples with proprietary account number + Creditor Agent and IBAN only)
A correct file is submitted with two B-Levels, each with five IBAN payments.
pain.002 ACCP
The first instruction (B-Level) contains payments in CHF to CS sample account 012345678009 with Creditor Agent tag.
Test needed for The second instruction contains payments in EUR to CS sample account CH7304835833740032001 without Creditor Agent
list of compatible tag (IBAN only).
software “pain.001 The file should be processed without errors and warnings. A technical pain.002 is generated with ACCP as well as a camt.053,
SPS normal” in which all 10 transactions are booked with details. PMNT/ICDT/DMCT is entered as BkTxCd in the transaction details.

BP03-B-POS Salary payments (examples with IBAN + Creditor Agent)

A correct file is submitted with two B-Levels, each with five IBAN payments. The file is similar to BP03-A-POS, but…
pain.002 ACCP - … also contains additional markings that the payments are salary payments. Credit Suisse does not change any of the
processing if SALA or PENS is used. As a result, the collective entry is also selected as TRUE and the collective approval
Test needed for
list of compatible with no details (CND) is selected as recommended.
software “pain.001 - … contains payments in CHF to CS sample account CH5604835012345678009 with Creditor Agent tag.
SPS salary” The first instruction (B-Level) contains payments in CHF to CS sample account CH5604835012345678009. The entire
B-Level is marked as an instruction with salary payments by selecting Category Purpose Code SALA in the instruction.
The second instruction also contains payments in CHF to CS sample account CH5604835012345678009. The entire B-Level
is marked as an instruction with pension payments by selecting Category Purpose Code PENS in the instruction.
The file should be processed without errors and warnings. A technical pain.002 is generated with ACCP. The 5 transactions
per instruction are listed as a collective booking with no details in the camt.053.

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 Testing Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Format testing: best practice & camt test files (6/15)

BP03-C-POS QR-bill payments
A correct file is submitted with one B-Level and 3 QR-bill payments.
pain.002 ACCP
▪ The first transaction (C-Level) contains a payment order in CHF with a QR-IBAN and QR reference to CS sample account
Test needed for CH5031000012345678009.
list of compatible ▪ The second transaction contains a payment order in CHF with an IBAN and ISO 11649 creditor reference to CS sample
software “pain.001 account CH5604835012345678009.
SPS normal” ▪ The second transaction contains a payment order in CHF with an IBAN and no reference to CS sample account
CH5604835012345678009.
The file should be processed without errors and warnings. A technical pain.002 is generated with ACCP as well as a camt.053,
in which all 3 transactions are booked with details. PMNT/ICDT/VCOM is entered as BkTxCd in the transaction details.

Payment type 4: payments in foreign currency (excl. EUR) in Switzerland

BP04-POS Domestic payments in USD

A correct file is submitted with two B-Levels, each with five domestic payments. The first and second instructions (B-Level)
pain.002 ACCP each contain payments in USD to CS sample account CH5604835012345678009.
The file should be processed without errors and warnings. A pain.002 is generated with ACCP as well as a camt.053, in which
Test needed for
list of compatible all 10 transactions are booked with details. PMNT/ICDT/DMCT is entered as BkTxCd in the transaction details. Since the
software “pain.001 account currency was selected as USD, no foreign currency translation may occur.
SPS normal”

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 Testing Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Format testing: best practice & camt test files (7/15)

Payment type 5: SEPA transfer abroad

BP05-A-POS SEPA foreign payments

A correct file is submitted with two B-Levels, each with five SEPA payments. Both instructions (B-Level) contain payments
pain.002 ACCP
in EUR to sample account DE12500105170648489890.
The file should be processed without errors and warnings. A technical pain.002 is generated with ACCP as well as a camt.053,
in which all 10 transactions are booked with details. PMNT/ICDT/ESCT is entered as BkTxCd in the transaction details.

BP05-B-POS SEPA IBAN only

pain.002 ACCP A correct file is submitted with two B-Levels, each with five SEPA payments. The file is almost identical with BP05-A-POS,
but the Creditor Agent is missing (IBAN only).
Test needed for The file should be processed without errors and warnings. A technical pain.002 is generated with ACCP as well as a camt.053,
list of compatible in which all 10 transactions are booked with details. PMNT/ICDT/ESCT is entered as BkTxCd in the transaction details.
software “pain.001 The camt.053 has to be equal to the one resulting from BP05-A-POS, with the exception that there is no Creditor Agent.
SPS normal”

BP05-A-NEG Currency different than EUR

pain.002
pain.002ACCP
PART A file is submitted with two B-Levels, each with five SEPA payments. The file is almost identical to BP05-POS, but the currency
of the third payment in the first B-Level is CHF and is thus not permitted.
In the pain.002, the A-Level and the first B-Level are partially accepted with PART, and only the affected C-Level is rejected
with RJCT. The rejection only contains error code AM03 and the underlying element as an XML structure under OrgnlTxRef.
The 9 correct transactions are booked with details in camt.053.

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 Testing Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Format testing: best practice & camt test files (8/15)

BP05-B-NEG No IBAN provided
pain.002 PART A file is submitted with two B-Levels, each with five SEPA payments. The file is almost identical to BP05-POS, but in the fifth
payment of the first B-Level, the creditor's account (CdtrAcct) is missing.
In the pain.002, the A-Level and the first B-Level are partially accepted with PART, and only the affected C-Level is rejected
with RJCT. The rejection only contains error code CH21. The 9 correct transactions are booked with details in camt.053.

Payment type 6: all currencies (SWIFT)

BP06-POS Foreign payments in USD

A correct file is submitted with two B-Levels, each with five international payments. Both instructions (B-Level) contain
pain.002 ACCP payments in USD to sample account GB32ESSE40486562136016.
The file should be processed without errors and warnings. A technical pain.002 is generated with ACCP as well
Test needed for
list of compatible as a camt.053, in which all 10 transactions are booked with details. PMNT/ICDT/XBCT is entered as BkTxCd
software “pain.001 in the transaction details.
SPS normal” Since the account currency is CHF, a foreign currency translation must occur.

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Testing Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Format testing: best practice & camt test files (9/15)

SEPA-DD

BP07-POS SEPA-DD payments

SEPA-DD payments

pain.002 ACCP A correct file is submitted with two B-Levels, each with five SEPA core direct debits (CORE). Both instructions
(B-Level) contain direct debits in EUR that are drawn from sample account CH5604835012345678009.
Test needed for The file should be processed without errors and warnings. A technical pain.002 is generated with ACCP as well
list of compatible as a camt.053, in which all 10 transactions are booked with details. PMNT/RDDT/ESDD is entered as BkTxCd
software “pain.008 in the transaction details.
SPS/EPC”
Since the account currency was selected as EUR, no foreign currency translation may occur.

BP07-NEG SEPA-DD paymentswith

SEPA-DD payments with incorrect
incorrect local
local instrument
instrument

pain.002 RJCT A file is submitted with two B-Levels, each with five SEPA direct debits. The file is almost identical to BP07-POS,
but the local instrument of the second B-Level is B2C and is thus not permitted. Since there is a schematic violation,
the entire file is rejected. In the pain.002, the entire A-Level is rejected with error code FF01.

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 Testing Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Format testing: best practice & camt test files (10/15)

Payment type 8: domestic and foreign payments with bank check

BP08-POS Bank checks in CHF and USD

pain.002 ACCP A correct file is submitted with two B-Levels, each with five check payments. The first instruction (B-Level) contains
domestic payments in CHF, the second instruction contains cross border payments in USD. A technical pain.002 is
generated with ACCP as well as a camt.053, in which all 10 transactions are booked with details.
PMNT/ICHQ/BCHQ is entered as BkTxCd in the transaction details.

BP08-NEG Creditor Agent provided

pain.002 PART A file is submitted with two B-Levels, each with five check payments. The file is almost identical to BP08-POS,
but the first payment in the second B-Level includes a Creditor Agent and is thus not permitted.
In the pain.002, the A-Level and the second B-Level are partially accepted with PART, and only the affected C-Level
is rejected with RJCT. The rejection only contains error code CH17 and the underlying element as an XML structure
under OrgnlTxRef. The 9 correct transactions are booked with details in camt.053.

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Testing Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Format testing: best practice & camt test files (11/15)

Intraday Account Statements – camt.052

CAMT052-01 Account Report – Balance Report

Example lists the balances resulting from 50 bookings

CAMT052-02 Account Report – Movement Report

Example lists the balances resulting from 50 bookings
plus the 50 bookings themselves (BOOK), batch booking without details, single booking with details,
plus 3 provisional bookings (PDNG)

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 120
Testing Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Format testing: best practice & camt test files (12/15)

Account Statements – camt.053

CAMT053-03 With Details

Example lists the balances resulting from 16 bookings plus the bookings themselves:
Direction Kind of Payment CHF Booking Details Bank Transaction Code5
Outgoing Payment Type 5 2.36 Single3 yes4, in NtryDtls PMNT ICDT ESCT
Payment Type 4 4.78 Collective1 yes2, in NtryDtls PMNT ICDT AUTT
Payment Type 6 ChrgBr DEBT 9.57 Collective1 yes2, in NtryDtls PMNT ICDT AUTT
Payment Type 3 10.10 Single3 yes4, in NtryDtls PMNT ICDT DMCT
Payment Type 3 salary 10.20 Collective1 yes2, in NtryDtls PMNT ICDT AUTT
Account Transfer 100.00 Single yes, in NtryDtls PMNT ICDT BOOK
Payment Type 1 120.00 Collective1 yes2, in NtryDtls PMNT ICDT AUTT
Payment Type 3 11.10
Collective1 yes2, in NtryDtls PMNT ICDT AUTT
Payment Type 1 100.00
Incoming Domestic FX 2.80 Single yes, in AddtlNtryInf XTND NTAV NTAV6
Domestic CHF 3.00 Single yes, in NtryDtls PMNT RCDT DMCT
Crossborder SEPA 3.47 Single yes, in NtryDtls PMNT RCDT ESCT
Domestic CHF future value date 6’000.00 Single yes, in NtryDtls PMNT RCDT DMCT
Reject 3’000.00 Single yes, in NtryDtls PMNT RCDT RRTN
Crossborder non SEPA 2.75 Single yes, in AddtlNtryInf XTND NTAV NTAV6
ISR7 7’761.35 Single yes, in NtryDtls PMNT RCDT VCOM
QR-bill7 997.25 Single yes, in NtryDtls PMNT RCDT AUTT

1 Chosen by client with BtchBookg true 4 Chosen by client with SIA 6 Planned: PMNT RCDT XBCT
2 Chosen by client with CWD 5 on C-Level, see page 104 7 Only 1 transaction
3 Chosen by client with BtchtBookg false

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Testing Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Format testing: best practice & camt test files (13/15)

Account Statements – camt.053

CAMT053-04 No Details (i.e. without collective booking breakdown)

Example lists the balances resulting from 17 bookings plus the bookings themselves:
Direction Kind of Payment CHF Booking Details6 Bank Transaction Code3
Outgoing Payment Type 5 2.36 Collective1 no2 PMNT ICDT AUTT
Payment Type 4 4.78 Collective1 no2 PMNT ICDT AUTT
Payment Type 6 ChrgBr DEBT 9.57 Collective1 no2 PMNT ICDT AUTT
Payment Type 3 10.10 Collective1 no2 PMNT ICDT AUTT
Payment Type 3 salary 10.20 Collective1 no2 PMNT ICDT AUTT
Account Transfer 100.00 Single yes, in NtryDtls PMNT ICDT BOOK
Payment Type 1 120.00 Collective1 no2 PMNT ICDT AUTT
Payment Type 3 11.10
Collective1 no2 PMNT ICDT AUTT
Payment Type 1 100.00
Incoming Domestic FX 2.80 Single yes, in AddtlNtryInf XTND NTAV NTAV4
Domestic CHF 3.00 Single yes, in NtryDtls PMNT RCDT DMCT
Crossborder SEPA 3.47 Single yes, in NtryDtls PMNT RCDT ESCT
Domestic CHF future value date 6’000.00 Single yes, in NtryDtls PMNT RCDT DMCT
Reject 3’000.00 Single yes, in NtryDtls PMNT RCDT RRTN
Crossborder non SEPA 2.75 Single yes, in AddtlNtryInf XTND NTAV NTAV4
ISR5 same value date 7’761.35 Collective no PMNT RCDT VCOM
ISR5 past value date 119.45 Collective no PMNT RCDT VCOM
QR-bill5 997.25 Collective no PMNT RCDT AUTT
1 Chosen by client with BtchBookg true 4 Planned: PMNT RCDT XBCT 6 Contain details anyway for
2 Chosen by client with CND 5 Several (or 1) transaction(s), a) all single bookings
3 on C-Level, see page 104 details in camt.054 examples b) collective debits with CWD

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Testing Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Format testing: best practice & camt test files (14/15)

Account Statements – camt.053

CAMT053-04 No Details (i.e. without collective booking breakdown) balances

Opening booked (opening booking balance) OPBD CHF 7’751.38 CHF 7’751.38 CHF 7’751.38
Direction Kind of Payment CHF Booking date Value date
Outgoing Payment Type 5 2.36 2018-03-22 2018-03-22
Payment Type 4 4.78 2018-03-22 2018-03-22
Payment Type 6 ChrgBr DEBT 9.57 2018-03-22 2018-03-22
Payment Type 3 10.10 2018-03-22 2018-03-22
Payment Type 3 salary 10.20 2018-03-22 2018-03-22
Account Transfer 100.00 2018-03-22 2018-03-22
Payment Type 1 120.00 2018-03-22 2018-03-22
Payment Type 3 11.10
2018-03-23 2018-03-23
Payment Type 1 100.00
Incoming Domestic FX 2.80 2018-03-22 2018-03-22
Domestic CHF 3.00 2018-03-22 2018-03-22
Crossborder SEPA 3.47 2018-03-22 2018-03-22
Domestic CHF future value date 6’000.00 2018-03-22 2018-03-23
Reject 3’000.00 2018-03-22 2018-03-22
Crossborder non SEPA 2.75 2018-03-22 2018-03-22
ISR5 same value date 7’761.35 2018-03-22 2018-03-22
ISR5 past value date 119.45 2018-03-22 2018-03-21
QR-bill5 997.25 2018-03-22 2018-03-22
Forward available (future value date balance) FWAV CHF 25’384.44
Closing available (closing value date balance) CLAV CHF 19’273.34
Closing booked (closing booking balance) CLBD CHF 25’273.34
Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 123
Testing Guide Overview
Index About Channel Format Overall
Use cases
Debit Credit Find
Channels Formats
Function Set-up Find CT DD SR Rep List
Testing
Channel Format

Format testing: best practice & camt test files (15/15)

Account Notification – camt.054

CAMT054-05 Credit Advice (Collective)

Product name: camt.054 BISR
Example of a daily collective advice for all incoming ISR payments
Example lists 2 C-Levels (Ntry) with same booking dates and 2 different value dates:
- The first C-Level lists 5 incoming ISR payments in CHF with booking and value date March 22, 2018
- The second C-Level lists 1 incoming ISR payment in CHF with booking date March 22, 2018
and value date March 21, 2018
The references are the same as for the collective credit in CAMT053-04

CAMT054-06 Credit Advice (Collective)

Product name: camt.054 QR
Example of a daily collective advice for all incoming QR-bill payments
Example lists all 5 incoming QR-bill payments in CHF on November 22, 2020
Only QR-bill credits with QR-IBAN are collected at Credit Suisse
The codes for charges are:
- INTERNAL for Credit Suisse fee
- 1 for reject fee
- 2 for post office counter fee
- 4 for repair fee
The references are the same as for the collective credit in CAMT053-04

Best Practice Guide CREDIT SUISSE (Switzerland) Ltd. | Business Banking Switzerland Content subject to change August 2022 124
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