Credit Transfer

Creating a Sephpa object

$creditTransferFile = new SephpaCreditTransfer(
	'<Initiating Party / Name>', 
	'<Message Identification>',
	<ISO 20022 XML Message Version>
);

Parameters

Parameter (optional)	Type [Default]	Description [Note]
initgPty	string	Initiating Party / Name
msgId	string	Message Identification
version	int	ISO 20022 XML Message Version [1]
orgId	array []	Organization Identifier [2]
initgPtyId	string [null]	Initiating Party ID [3]
checkAndSanitize	bool [true]	Input Validation [4]

Notes

1. Only use the SephpaCreditTransfer::SEPA_PAIN_001_* constants.
2. It is recommended not to use this. If used, the array must have a at least one of the keys:
   • id (an Identifier of the organization)
   • bob (A BIC or BEI that identifies the organization).
     • scheme_name: max. 35 characters.
3. Only use if you know for what it is for.
4. You can turn this off if you are confident that your inputs are well formed e.g. if you sanitized them before storing them in your database.

Getting a payment collection

$creditTransferCollection = $creditTransferFile->addCollection([
	'pmtInfId'	=> '<A Unique File Collection ID>',
	'dbtr'		=> '<Debtor Information>',
	'iban'		=> '<IBAN>'
]);

The function addCollection takes an array of key-value pairs.

Available keys

Parameter (optional)	Type [Default]	Description [Note]
pmtInfId	string	Payment Information Identification
dbtr	string	Debtor Information
iban	string	IBAN
bic	string	BIC [1]
ccy	string [EUR]	Currency
btchBookg	string	Batch Booking
ctgyPurp	string	Category Purpose [2]
reqdExctnDt	string	Requested Execution Date [3]
ultmtDbtr	string	Ultimate Debtor
pstlAdr	array	Debtor Postal Address [4]

Notes

1. The BIC is only required for version pain.001.002.03 but not for pain.001.001.03 and pain.001.003.03.
2. ctgyPurp is supposed to be one out of a list of 4-letter codes.
3. If requested date is omitted, current processing date is used.
4. You can find the supported keys here.

Adding payments

$creditTransferCollection->addPayment([
	'pmtId'		=> '<Payment Identification>',
	'instdAmt'	=> '<Instructed Amount>',
	'cdtr'		=> '<Creditor Information>',
	'iban'		=> '<IBAN>'
]);

The function addPayment takes an array of key-value pairs.

Available keys

Parameter (optional)	Type [Default]	Description [Note]
pmtId	string	Payment Identification
instdAmt	float / string	Instructed Amount [1]
iban	string	IBAN
cdtr	string	Creditor Information
bic	string	BIC [2]
ultmtCdtr	string	Ultimate Creditor
purp	string	Purpose [3]
rmtInf	string	Remittance Information
ultmtDbtr	string	Ultimate Debtor
ultmtDbtrId	string	Ultimate Debtor / Identification
pstlAdr	array	Creditor Postal Address [4]

Notes

1. A string must be able to be interpreted as a float. One is allowed to use both , and . as decimal point.
2. The BIC is only required for version pain.001.002.03 but not for pain.001.001.03 and pain.001.003.03.
3. purp is supposed to be one out of a list of 4-letter codes.
4. You can find the supported keys here.