ISO Stand Alone Remittance Messages. Introduced in April 2014
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1 ISO Stand Alone Remittance Messages Introduced in April 2014
2 Topics Essential Background Message Details Processing Scenarios Adoption Other Details Copyright IFX Forum, Inc Slide 2
3 PART 1 Essential Background Copyright IFX Forum, Inc Slide 3
4 The Electronic Remittance Problem Businesses are required to support more formats than they wish Each format requires a particular technology solution Many simply default back to paper-based solutions Remittance Formats Company W Company X Company W Company X Company Y Company Y Company Z Company Z The technology and expense required to manage this mesh is prohibitive for small businesses. Copyright IFX Forum, Inc Slide 4
5 From the Debtor s perspective Debtor Agent Payments Creditor Agents Clearing Company A Remittance Formats Company Y Company Z Company X Remittances are sent separately trying to match biller s needs and technology capabilities Company W Copyright IFX Forum, Inc Slide 5
6 From the Creditor s perspective Payments are disassociated from remittances Re-association of payments and remittances is error-prone RDFI Payments Clearing ODFI Bank Connect Company A network fax Company Y Company Z Remittance Formats Company X Company W Remittance delivery timing is not tied to payment receipt Must either convert various formats to preferred form or handle manually Copyright IFX Forum, Inc Slide 6
7 Two Messages Are Needed To support direct communication between debtor and creditor two distinct messages are required The Remittance Advice (remt ) Full Remittance Detail with ties to original payment Remittance Location Advice (remt ) Advise as to Location where detail can be found (or alternate delivery mechanism) Copyright IFX Forum, Inc Slide 7
8 PART 2 Message Details Copyright IFX Forum, Inc Slide 8
9 Remittance Location Advice Remittance Location Advice (remt.002) Simple, uncomplicated message Remittance Location component consists of: Optional Remittance ID One or more Remittance Location Details components Transaction Reference component. Does not specify the format of the remittance advice details Copyright IFX Forum, Inc Slide 9
10 Remittance Location Details Method and Location (Repeating) URL Internet address where full Remittance Advice Details can be found address where Remittance Advice was delivered Multiplicity supports distribution lists and independent routing of advice (e.g. services, products, subsidiaries) FAX Postal Address Copyright IFX Forum, Inc Slide 10
11 Remittance Advice Remittance Advice (remt.001) Robust message capable of carrying a significant amount of data May relate to a single payment or multiple payments Structured Data facilitates a wide variety of business practices and common use-cases Designed with interoperability in mind Copyright IFX Forum, Inc Slide 11
12 Remittance Information Hierarchy Within the Remittance Advice message, the critical content is in the Remittance Information component. Each instance of Remittance Information is related to a single payment. Remittance Information (repeating) Structured Remittance Information (repeating) o Referred Document Information (repeating) Line Details (repeating) o Referred Document Amount (non-repeating) Original Payment Information (non-repeating) Copyright IFX Forum, Inc Slide 12
13 Single Payment Many payments don t require a lot of explanation, just a simple reference to an item that is being paid, such as an invoice, and a reference to the payment itself Remittance Advice message Remittance Information Structured Remittance Information Referred Document Information Original Payment Information End of message Remittance Advice message Remittance Information Structured Remittance Information Referred Document Information Referred Document Amount Structured Remittance Information Referred Document Information Referred Document Amount Original Payment Information End of message It s also quite easy to list multiple invoices that are being paid with a single payment. In this example we also include the amount of each invoice (Referred Document Amount). Note: Referred Document Amount(s) are optional. The sum of those amounts may or may not equal the amount shown in the Original Payment Information Copyright IFX Forum, Inc Slide 13
14 Single Payment with More Detail Adding Line Details provides an opportunity to itemize such things line items adjustments Line details may or may not fully itemize the referred document. Remittance Advice message Remittance Information Structured Remittance Information Referred Document Information (e.g. Invoice) Line details Line details Referred Document Amount Referred Document Information (e.g. Purchase Order) Referred Document Amount Original Payment Information End of message Remittance Advice message Remittance Information Structured Remittance Information Referred Document Information Line details Line details Referred Document Amount Original Payment Information End of message Multiple document references facilitate more communication. For example: Referencing a purchase order or credit memo may be useful to explain differences between original obligation and paid amount. Copyright IFX Forum, Inc Slide 14
15 Multiple Payments When the Remittance Advice message refers to multiple payments, the Remittance Information component must be repeated. Each instance of Remittance Information may contain different amount of detail Partial payments against a single obligation, are likely to have identical Referred Document references Remittance Advice message Remittance Information (1) Structured Remittance Information Referred Document Information Original Payment Information (1) Remittance Information (2) Structured Remittance Information Referred Document Information Line details Line details Original Payment Information (2) End of message Copyright IFX Forum, Inc Slide 15
16 Multiple Payments Example: Multiple payments made against multiple obligations; some require more explanation than others Payment(1) has 3 referred documents Invoice, PO, Credit Memo Payment(2) has 1 simple document reference Payment(3) has 1 detailed document reference Remittance Advice message Remittance Information (1) Structured Remittance Information Referred Document Information (Invoice) Line details Line details Referred Document Information (Purchase Order) Referred Document Amount Structured Remittance Information Referred Document Information (Credit Memo) Referred Document Amount (Credit Note Amount) Original Payment Information (1) Remittance Information (2) Structured Remittance Information Referred Document Information Original Payment Information (2) Remittance Information (3) Structured Remittance Information Referred Document Information (Packing List) Line details (disputed) Line details (backordered) Line details (damaged) Referred Document Amount Original Payment Information (3) End of message Copyright IFX Forum, Inc Slide 16
17 PART 3 Processing Scenarios Copyright IFX Forum, Inc Slide 17
18 Use- Cases Up to this point we have focused on 2 simple use-cases Direct Communication between Debtor and Creditor Remittance Advice is sent directly from debtor to creditor. Remittance Location Advice is sent directly from debtor to creditor. Importantly, these messages can stand-alone or the data can accompany the payment. IFX Forum has submitted change requests to modify all ISO messages that contain the Remittance Information component in order to enhance functionality available within the payment channels. 22 messages for Remittance Advice 14 messages for Remittance Location Advice Copyright IFX Forum, Inc Slide 18
19 Other Use- Cases These messages readily support these use cases Through Payment Channels to Creditor Debtor attaches remittance information to payment Debtor s Agent may separate remittance information from a payment message and send a stand-alone message to Creditor or Creditor Agent. Creditor s Agent may separate remittance information from the payment and send a stand-alone message to Creditor. Either agent may store remittance details and send Remittance Location Advice Direct Debit and Bank Operated Full bank-operated cash management Payment is Direct Debit, Creditor sends Remittance Advice to Debtor. (Role reversal of sender and recipient). Copyright IFX Forum, Inc Slide 19
20 FI Agents for Debtor, Creditor Banks, as agents, may provide value-added services. Either agent may choose to store the remittance details they receive and then forward a Remittance Location Advice message to the creditor. Either agent may receive the remittance information in a non-compliant format and convert it to the ISO format as a value-added service for their customer. Either agent may be positioned to receive the remittance information in its standard format and convert it to a customer-preferred format. Either agent may be able to provide access to a bank service or to thirdparty providers (portals, etc.) where remittance content may be stored. Copyright IFX Forum, Inc Slide 20
21 FI Service opportunities Combining typical paper-based lock box services with parallel electronic lock box services Providing translations to-from industry-specific remittance formats Various cash management services Managing the communications to-from payment portals Copyright IFX Forum, Inc Slide 21
22 Many viable message paths Pay invoices and provide remittance details Creditor Debtor Debtor Agent Creditor Agent As shown in the formal MDR-1 Create and Send Invoices for products or services; create A/R records Receive or retrieve remittance information Receive inovices; create A/P records Send remittance information directly to Creditor Create payments and associated remittance details Store/Post Remittance information; Create Remittance Location message Send Remittance Location message Initiate payment Send remittance advice Send Remittance Location message Transfer funds; update accounts Receive remittance advice or Remittance Location message Store/Post Remittance information; Create Remittance Location message Receive funds; update accounts Receive remittance advice or Remittance Location message Store/Post Remittance information; Create Remittance Location message Associate payments with A/R Attach Remittance Location message to payment Reconcile A/R Send remittance or remittance location information directly to Creditor Send remittance or remittance location information directly to Creditor Copyright IFX Forum, Inc Slide 22
23 PART 4 Adoption Copyright IFX Forum, Inc Slide 23
24 Easing Adoption Support of prevailing business practices Especially direct debtor-creditor communications Independence from payment channels Independent of SWIFT, ACH, Wire or other channels Interoperability considered during development Compatible with other ISO messages but not dependent on them Value-added service opportunities for banks and others NACHA Adoption NACHA was active in the development NACHA opt-in program to support XML Remittance information in the ACH network, specifically references the ISO remittance message formats. Copyright IFX Forum, Inc Slide 24
25 Eliminating the risk of going first Perhaps the most important factor in fostering adoption is eliminating the chicken and egg dilemma. Either banks, businesses or service providers can go first knowing that their providers, partners and clients are referencing the same standard Businesses can adopt these messages bi-laterally Service providers can be confident that they are adopting a standardized solution Banks will see that there is demand for these solutions as stand-alone capabilities are exploited. Copyright IFX Forum, Inc Slide 25
26 PART 5 Additional Details about Content Copyright IFX Forum, Inc Slide 26
27 Other Data Elements of Interest Line Details Due Payable Amount Discount Applied Credit Note Amount Tax Amount Adjustment and Reason Remitted Amount Referred Document Amount Due Payable Amount Discount Applied Credit Note Amount Tax Amount Adjustment and Reason Remitted Amount Amounts describe either line items or the referred document as a whole Both can be present, but neither are required.* * The sum of Line Detail amounts may not equal the amounts in Referred Document Copyright IFX Forum, Inc Slide 27
28 Other Data Elements of Interest Two particular kinds of remittance are described in independent structures (use in place of Referred Document Amount) Tax Remittance Creditor, Debtor, Ultimate Debtor Administration Zone Total Taxable Base Amount Total Tax Amount Tax Record with details Garnishment Remittance Garnishee Garnishment Administrator Garnished Remitted Amount Family Medical Insurance indicator Terminated Employee indicator Copyright IFX Forum, Inc Slide 28
29 Summary Two Stand-alone messages Rich data content Multiple document references supported Single or multiple payment references Ties back to original payment information Support for wide array of delivery options Including ability to travel on payment channels Specialized support for some remittance types Built to provide many added value service hooks Ready to be adopted TODAY. Copyright IFX Forum, Inc Slide 29
30 Questions White paper soon available at Contact Rich Urban at Message details at Copyright IFX Forum, Inc Slide 30
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