C2B & B2C COMMUNICATION MESSAGES

C2B - PAYMENT STANDARDS FOR CUSTOMER TO BANK (IMPORT OF PAYMENT ORDERS)


In the internet bank it is possible to upload payments from a C2B file that must comply with the ISO 20022 standard.


ISO 20022 is a standard provided by regulation (EU) № 260/2012 of the European Parliament and of the Council for the purposes of a more efficient functioning within the European Union of the single euro payments area. ISO20022 is a standard that is used for the electronic data exchange between the banks and their customers. Such entities should amend their accounting software in order to gain the opportunity to send payment orders and receive account statement files in accordance with the ISO 20022 standard.


Applying ISO20022 standard in payments files and account statements facilitates automatic processing of the information in the accounting department of the enterprise. Additional information about ISO 20022 file format is available on the website of the Estonian Banking Association www.pangaliit.ee (Ver 1.2). The messages have been introduced at the Estonian payment environment forum, submitted to market participants for consultation, and were approved by the payment standards working group of the Estonian Banking Association on 31 January 2013.


The C2B payment file must be prepared using the clients accounting system and be available for uploading to the internet bank.


In uploading a C2B file, conformity to the requirements of the ISO 20022 standard of all payments is verified, using a standard xsd schema; go to www.pangaliit.ee (XSD schema file).


 

Currently, file processing is provided in the following formats:

  • C2B payments file in XML format - ISO 20022. Use only UTF-8 encoding.
  • C2B payments file in the format of TeleHansa 6 (Domestic payment orders in the format „TH6 IBAN“.

Further processing of payments drawn from the C2B file follows the usual procedure.


 

 

B2C – ACCOUNT STATEMENT (Account Reporting Standards for Bank to Customer)


In the internet bank it is possible to receive account statements in different formats:

The messages have been introduced at the Estonian payment environment forum, submitted to market participants for consultation, and were approved by the payment standards working group of the Estonian Banking Association on 31 January 2013.


  • DDOC format (DigiDoc) – kvv{#konto}.ddoc
  • PDF format – kvv{#konto}.pdf
  • XML format (2003 Estonian electronic accounts statement) - kvv_statement_old.xml
  • TXT format (Print version)
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The dictionary of typical phrases that are used in account statements