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MULTICASH format

Technical description of file format structure for import of domestic payment orders in CZK to internet
banking. The extension of the file is always *.CFD

Basic rules:
 payment file begins without header
 every file can contains maximum number of 100 payment orders
 Every payment order begins with the field code "HD:"
 Code page of payment file is CP 852 (Latin2)
 File must contain only upper case characters
 File must not contain empty row (Empty row is several spaces too).
 <CR> <LF> sequence separates payment orders within a payment file from each other.
 File format is divided to field and subfields
 some of the subfields are optional
 Empty subfields inside a field can be represented by a space. Exceptions of this rule are the fields
"DI:", "KI:" and "AV:". <CR> <LF> separates optional subfields of these fields
 Subfields are separated from each other by space character (ASCII 32)

If a payment order is Credit transfer, fields "UD:" contains information about Ordering party account and "DI:"
contains information about Ordering party Name. Filed "UK:" contains information about Partner account and
filed "KI: " contains information about Partner Name.

Note:
Partner = Beneficiary

Additional information for fields ZK, AK, EC.

Leading zeros are not removed from these fields, i.e. what is entered to the application will also be contained
in output file.

Example:
Client enters or imports ZK:00123
On the screen and in an output file will be ZK:00123

If client doesn’t enter or import any value into this field, ZK will be filled with one zero.
Example: Client enters or imports no number. In format will be ZK:0

Column description:

Field = serial number of data field

M/O = completion of the field
M = mandatory
O = optional

L/F = length and format of the data field

N = numeric 0 – 9, leading zeros are allowed but not compulsory
A = alphanumeric
F = fixed field length
V = variable length
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Structure of the file

Content M/O L/F

HD: M 3AF
Subfield 1 :
Payment type: M 2NF
11 : Money transfer (*.cfd)
Subfield 2 :
Date of order M 6NF
Format : YYMMDD
Subfield 3 :
M 7AV
Bank code of payer
Subfield 4 :
Serial number (1 - 999999) M 6NV
(generated by the program)
Subfield 5 :
M 7AV
Bank code of beneficiary
<CR><LF>KC: M 3AF
Subfield 1 :
M 15 N V
Amount (with 2 decimals – decimals are not separated)
Subfield 2 :
M 6NF
Null field (000000)
Subfield 3 :
M 3AF
Currency code (ISO) – always filled „CZK“
<CR><LF>UD: M 3AF
Subfield 1 :
Prefix of payer account
M 6NV
Checked by modulo-11. If the prefix is missing, field will contain one space
without subfields separator.
Subfield 2 :
Account number of payer M 10 N V
Checked by modulo-11
Subfield 3 :
O 20 A V
Short description of payer account
<CR><LF>DI: M 3AF
Subfield 1 :
M 35 A V
Payer description 1
<CR><LF> Subfield 2 : (row must start with 3 spaces)
O 35 A V
Payer description 2
<CR><LF> Subfield 3 : (row must start with 3 spaces)
O 35 A V
Payer description 3
<CR><LF> Subfield 4 : (row must start with 3 spaces)
O 35 A V
Payer description 4
<CR><LF>UK: M 3AF
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Subfield 1 :
Prefix of beneficiary account
M 6NV
Checked by modulo-11. If the prefix is missing, field will contain one space
without subfields separator.
Subfield 2 :
M 10 N V
Account number of beneficiary
Subfield 3 :
O 20 A V
Short description of payer account
<CR><LF>AK: M 3AF
Specific symbol
O 10 N V
If the S-symbols is not present, field will be filled with one zero.
<CR><LF>KI: M 3AF
Subfield 1 :
M 35 A V
Beneficiary description 1
<CR><LF> Subfield 2 : (row must start with 3 spaces)
O 35 A V
Beneficiary description 2
<CR><LF> Subfield 3 : (row must start with 3 spaces)
O 35 A V
Beneficiary description 3
<CR><LF> Subfield 4 : (row must start with 3 spaces)
O 35 A V
Beneficiary description 4
<CR><LF>EC: M 3AF
Constant symbol
(following C-symbols are not permitted from CNB side: 0002, 0005, 0006,
0051, 0498, 0598, 0898, 1178, 2178, 3178, 4444) O 4NV
If the C-symbol is not present, field will be filled with one zero. List of valid C-
symbols is shown at CNB web pages.
<CR><LF>ZK: M 3AF
Subfield 1 :
Variable symbol O 10 N V
If the V-symbol is not present, field will be filled with one zero.
<CR><LF>AV: M 3AF
Subfield 1 :
O 35 A V
Supplementary information 1
<CR><LF> Subfield 2 : (row must start with 3 spaces)
O 35 A V
Supplementary information 2
<CR><LF> Subfield 3 : (row must start with 3 spaces)
O 35 A V
Supplementary information 3
<CR><LF> Subfield 4 : (row must start with 3 spaces)
O 35 A V
Supplementary information 4
<CR><LF>S1: M 3AF
Subfield 1:
Number of transfers in the file M 9NF
Supplemented with leading zeros

Subfield 2:
Total amount of transfers M 15 N V
If not filled, field will contains 3 zeros
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<CR><LF>S3: M 3AF
Subfield 1:
Number of direct debits in the file
M 9NF
Supplemented with leading zeros

Subfield 2:
M 15 N V
Total amount of direct debits
If not filled, field will contains 3 zeros

Example of transfer:
HD:11|090131|6100|1|0300
KC:4005006000|000000|CZK
UD:100001|0000014277|ACCOUNT1
DI:PAYER|DESCRIPTION|1
|||PAYER|DESCRIPTION|2
|||PAYER|DESCRIPTION|3
|||PAYER|DESCRIPTION|4
UK:|7777777777|ACCOUNT2
AK:0
KI:BENEFICIARY|DESCRIPTION|1
|||BENEFICIARY|DESCRIPTION|2
|||BENEFICIARY|DESCRIPTION|3
|||BENEFICIARY|DESCRIPTION|4
EC:0
ZK:1122334455
AV:INFO1
|||INFO2
|||INFO3
|||INFO4
S1:000000001|4005006000
S3:000000000|000

Transmigration between 2 transfers:

AV:INFO1
HD:11|080131|6100|1|0300
KC:4005006000|000000|CZK
UD:100001|0000014277|ACCOUNT1
DI:PAYER|DESCRIPTION|1
|||PAYER|DESCRIPTION|2
Example for the field UD with prefix:
UD:100001|2222222222|ACCOUNT1
Example for the field UK with prefix:
UK:19|7777777777|ACCOUNT1
Example for the field UD without prefix:
UD:|2222222222|ACCOUNT1

Example for the field UD without prefix:

UK:|7777777777|ACCOUNT1