Make bulk payments

The endpoint is used to initiate a bulk payment, which allows for multiple payments to be initiated at the same time. Read more about bulk payments here.

The endpoint is used to initiate multiple payments in a single request using a CSV file. Read more about Bulk Payments.

The content type for bulk payments is multipart/form-data.

Content specifications header

Parameter

Required

Allowed input

Description

Example

X-Content-type

Optional

text/csvv0

Specifying content type. Currently supported type is "text/csvv0"

text/csvv0

X-MessageReference

Optional

String

Unique reference of the HTTP request. If left blank this field will be populated with a GUID

6198eb60-d1dd-4aad-9bbd-b01a49214e62

X-Channel

Optional

channel/api

Channel reference of the payment

channel/api

ProceedWithErrors

Optional

true or false

Allow Bulk payment to be partially accepted. Read more about partial bulk processing

here

. Default: false

false

Idempotency-Key

Optional

String

Unique value generated by the user which the API uses to recognize subsequent retries of the same request. This field is limited to a maximum of 100 characters, if not upheld the API will return with an error 400 - Bad Request

2b7b05ad-4411-4a19-8c95-2508b17e0fd8

Content specifications body

For the bulk payments only CSV files are accepted as body content. Optional fields may be left empty, but not skipped. Insert the comma as when you separate populated fields. Each payment should be on its own line. The content and format of the file is specified in the below table.

Field

Parameter

Required

Allowed input

Description

Example

1

Debtor Customer ID

Mandatory (for technical reasons)

9-digit Numeric

Customer ID for the debtor account. Field is not utilised, but needs to be populated with a value to ensure that file is read properly

999999999

2

Debtor Account

Mandatory

IBAN

Account from which you want funds debited

DK4789000000012345

3

Debtor Account Branch Code

Optional

10

The bank branch for the debtor account is always 010

10

4

Debtor Account Currency

Optional

Alphabetic

The currency for the debtor account populated in field 2

EUR

5

Amount

Mandatory

Must be larger than zero. Separators can not be included

Instructed amount

Valid examples (GBP): 100 or 100. or 100.00. Invalid examples (GBP): 1,100 or 1,100.00 or 1100.000

6

Currency of Transfer

Mandatory

Alphabetic. Format of Alpha 3 ISO 4217

Currency of the amount that will be transferred to the creditor

EUR

7

Requested Execution Date

Mandatory

DDMMYYYY

The date on which you would like your payment to be processed and debited on your Debtor Account. The date must be current date within currency cut off or future Value date

25012022

8

Payment Type

Optional

A

'A' (for ad-hoc/general payment type)

A

9

Creditor Name

Mandatory if payment targets institutions other than BC

Maximum length: 35 . Allowed characters*. Illegal characters**

Name of the creditor that will receive funds

Company A

10

Creditor Account

Mandatory

IBAN or Account no.

Account of the creditor that will receive funds. Can be either an account number or an International Bank Account Number (IBAN)

Examples: IBAN: DK5989000000054321 Account number: 0000054321

11

Transfer Mode

Optional

S

'S' for SWIFT

S

12

Creditor Account Financial Institution

Conditional: Mandatory if Creditor Account is not an IBAN. Optional otherwise

Supported National Clearing Codes: UK - Sort code requires prefix with 'SC' followed by the 6-digit sort code.US - Fedwire Code requires prefix with 'FW' followed by 9-digit Fedwire/ABA code.

Financial Institution where Creditor Account reside. Can be either a Bank Identifier Code (BIC) or a National Clearing Code

Example BIC: SXPYDKKKXXX. National clearing codes: SC123456FW123456789

13

Beneficiary e-mail

Optional

E-mail

Email of the beneficiary. The field does not carry additional functionality

[email protected]

14

Remittance Information Line 1

Optional

Maximum length: 35 . Allowed characters*. Illegal characters**

Line 1 of the textual information passed from Debtor to Creditor as part of the transfer. Purpose code required for AED and SAR in this field.

Free text field

15

Remittance Information Line 2

Optional***

Maximum length: 35 . Allowed characters*. Illegal characters**

Line 2 of the textual information passed from Debtor to Creditor as part of the transfer

Free text field

16

Remittance Information Line 3

Optional***

Maximum length: 35 . Allowed characters*. Illegal characters**

Line 3 of the textual information passed from Debtor to Creditor as part of the transfer

Free text field

17

Remittance Information Line 4

Optional***

Maximum length: 35 . Allowed characters*. Illegal characters**

Line 4 of the textual information passed from Debtor to Creditor as part of the transfer

Free text field

18

Charge Bearer

Mandatory

"SHA", "BEN" or "OUR"

Determines which of the parties will be charged the payment fee. BC Connect will either carry the instructed charge bearer value forward, or overwrite the value, before executing the payment. This depends on the client’s “charge bearer setup”, and the payment rail used to execute the payment.

SHA

19

Debtor Narrative to Self

Optional

Maximum length: 35. Allowed characters*

Dual purpose: Internal reference for client OR Virtual International Bank Account Number (VIBAN): the IBAN of one of your VIBANs

Free text field

20

Narrative for Creditor

Optional

Maximum length: 35. Allowed characters*

Additional narrative. The field has no functional impact and not included in reporting.

Free text field

21

Amount Currency

Mandatory

Alphabetic

Currency of the Amount Amount Currency must match one of Debtor Account Currency. Example: I would like 100 EUR from my EUR account sent to Creditor Account in GBP (currency of transfer). Currency of transfer. Example: I want to withdraw from my EUR account what is required to pay my invoice of exactly 100 GBP (Currency of transfer) to Creditor Account

GBP

22

Debtor Reference

Optional

Maximum length: 35. Allowed characters*

Debtor own reference. Own reference which can be used for own reconciliation.

Debtor reference from your system

23

Creditor Address Line 1

Conditional*** Mandatory if payment targets other institutions than BC

Maximum length: 35. Allowed characters*. Illegal characters**

Line 1 detailing the address of the Creditor. Mandatory: Only for payment targeting other institutions than BC

Free text field

24

Creditor Address Line 2

Optional***

Maximum length: 35. Allowed characters*. Illegal characters**

Line 2 detailing the address of the Creditor

Free text field

25

Creditor Address Line 3

Optional***

Maximum length: 35. Allowed characters*. Illegal characters**

Line 3 detailing the address of the Creditor3rd address line also referred to as city field. Fill with country/city name with postal code.

Examples: DK - 2900 Hellerup or GB - London EC2M 4AY

26

Intracompany

Optional

N

'N' can be used

N

27

Clearing network

Optional

Only allowed values: "SEPAINST", "SEPA" or "T2"

Use this parameter to select the payment rail to be used for executing the payment

SEPAINST

28

Purpose code

Optional

Only allowed values: “GOD”, “STR”, “CTF” or “OTF”

Purpose code

is mandatory for CNH payments going to China

GOD

After initiating a payment

Upon successfully sending a payment, you will receive a response containing the payment's ID and initial status. An example response is provided below:

{  
  "paymentBulkId": "3fa85f64-5717-4562-b3fc-2c963f66afa6",  
  "status": "PendingProcessing"  
}

Duplicate Check

The system keeps a hash of submitted bulk payment files for 100 days to prevent duplicate processing:

  • Identical files are rejected - Same content will be rejected even with different filenames
  • Modified content is accepted - Changing any character in the file will pass the duplicate check
  • Renaming files doesn't work - Simply changing the filename with identical content will be rejected

Error message: Duplicate submissions return "DuplicateFileUpload"

Language
Credentials
Bearer