positive pay file upload userguide (only for account holders in … · 2018-09-25 · positive pay...

Positive Pay

User Guide

Positive Pay File Upload (Only for account holders in Mexico)

February 2017

Positive Pay

Published: February 2017 i

Disclaimer

This document is issued by HSBC Bank plc (‘HSBC’). HSBC Bank Plc is authorised by the Prudential

Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation

Authority (Registration Number 114216). This document is for information purposes only and does not

constitute or form any part of (i) any invitation or inducement to engage in investment activity, or (ii) any

offer, solicitation or invitation by HSBC or any of the HSBC Group for the sale or purchase of any products,

services and/or any investments.

HSBC provides this document to the recipient on an ‘as is’ basis and except as provided herein, does not

warrant that the contents of this document is accurate, sufficient or relevant for the recipient’s purposes.

HSBC may have obtained information in this document from sources including from third party suppliers,

it believes to be reliable but which have not been independently verified. In relation to information on

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on these products and/or services directly from the supplier.

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HSBC will use its reasonable endeavours to ensure that the contents of this document are current at the

date of its first publication. HSBC gives no undertaking and is under no obligation to provide the recipient

with access to any additional information or to update all or any part of the contents of this document or

to correct any inaccuracies in it which may become apparent.

HSBC is not responsible for providing the recipient with any legal, tax or other advice regarding the

contents of this document and the recipient should make its own arrangements in respect of this

accordingly. This document has not been prepared to address the specific requirements or objectives of

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services discussed herein in your region.

© Copyright. HSBC Bank plc 2017 ALL RIGHTS RESERVED

Positive Pay

Published: February 2017 i

ContentDisclaimer ..........................................................................................................................1

Content ...............................................................................................................................2

About Positive Pay ............................................................................................................1

General – Positive Pay......................................................................................................2

Layout TXT .........................................................................................................................3

Layout CSV ........................................................................................................................4

Validation Data...................................................................................................................5

Positive Pay Reconciliation Report .................................................................................6

Chart of Valid Characters .................................................................................................8

Positive Pay

Issued by HSBC Bank plc

© HSBC Bank plc 2017. All rights reserved

About Positive Pay

Positive Pay is an efficient and valuable service to reduce the potential for cheque fraud. A chequeissue file must be sent to HSBC prior to the disbursement of cheques by a business. The cheque issuefile is matched against cheques presented to HSBC for payment, by validating the account number,serial number, and amount. Potentially fraudulent alterations are identified at an early stage,significantly reducing the risk of an attempted fraud being successful.. Furthermore the service allowsyour business to perform other actions on the issued cheques such as: suspend, reactivate and/orcancel.

To protect a large volume of cheques a file format has been designed, in which you can protect a largenumber of cheques per batch.

• The account must have a chequebook.• The account must be protected previously. This action can be done inside the ´Message

Center´ Service.• The chequebook must have been activated. This action can be done inside the ´Message

Center´ Service.• The service will be available on Monday to Saturday from 06:00 to 21:00 hrs (Mexico Central

Time GMT-6).

This service will allow the following cheque actions if the cheques haven’t been cash out or cancelled.

• Activate. This action will allow to set the amount and beneficiary name of each cheque. Oncethe cheque is active, it is only possible to change the cheque status.

• Suspend. This action suspends the cheque and cannot be collected. However it will bepossible to change the status to Reactivated.

• Reactivate. This action will permit to reactivate a cheque from the suspended status.

• Cancel. The cheque cannot be collected and/or make a change of the status. The payment ofthe cheque cannot be processed.

Positive Pay service is performed online, within the operation schedule. The file will be rejected afterthe operation schedule.

The service has a limit of 1,000 cheques per file.

HSBCnet will return a response file with the result of the actions of each cheque.

Users will need to be entitled for the service and will require entitlements to the account where thechequebook has been attached to.

Positive Pay



General – Positive Pay

HSBCnet has two file formats for this service:

Text (txt)

CSV (Excel file)

To upload the TXT file click on Report and Files menu and complete the following steps in File Upload option:

Positive Pay



Layout TXT

Field Field Name Lenght Type Characters Comments

1Account Number

10 Numeric 1-10

Only valid HSBC México Accounts with amaximum length of 10 positions.

The field must be justified with zeros to theleft.

2 Cheque Number 15 Numeric 11-25The field must be justified with zeros to theleft.

3 Beneficiary Name 40 Alphanumeric 26-65This field must be complete with blankspaces to the right.

4Amount

12.2 (15X) Numeric 66-80

12 integer numbers + DOT + 2 decimals

Must be justified with zeros to the left.

5Reference*

40 Alphanumeric 81-120It’s optional and must be completed withblank spaces to the right.

6Status

21 Alphanumeric 121-141

The field must be complete with blankspaces to the right.

Only one status per file.

The status are:

- Active

- Suspended

- Cancelled

- Reactivated

If the field is BLANK, HSBCnet will showan error message of Invalid Status.

When a status change is performed,amount and beneficiary name have tomatch to those registered when thecheque was issued; Otherwise this actioncannot be completed.

*Optional fields: in this format the optional fields can be blank spaces.

This is an example of TXT layout:

Positive Pay



Layout CSV

Field Field Name Lenght Type Comments

1 Account Name 10 Numeric

- Only valid HSBC México Accounts;

-The maximum length is 10 positions, if the account has 9 digits, must becompleted with a zero to the left.

2ChequeNumber

15 Numeric Input a valid cheque number.

3BeneficiaryName

40 Alphanumeric Only valid characters.

4Amount

12.2 (15X) Numeric12 integer numbers + DOT + 2 decimals

5 Reference* 40 Alphanumeric This field is optional.

6 Status 21 Alphanumeric

The field must be complete with blank spaces to the right. Only one statusper file.

The status are:

- Active

- Suspended

- Cancelled

- Reactivated

If the field is BLANK, HSBCnet will show an error message of Invalid Status.

When a status change is performed, amount and beneficiary name haveto match to those registered when the cheque was issued; Otherwise thisaction cannot be completed.

*Optional fields: in this format the optional fields can be blank spaces.

This is an example of CSV layout:

Positive Pay



Validation Data

HSBCnet will perform a first validation of the file; the following error messages are related to theformat of the file.

The error messages can only be presented in English.

Code Error Description

B06 Invalid Debit Account This error message indicates that there are zeros, spaces and/or is aninvalid account.

BJE Invalid Check Digit This error message will be displayed if the cheque number was notpresent in the file.

BCL Duplicate Instruction,Record or Reference

This error message will indicate the the same cheque number wasdetected in multiple times in the file.

BUX Beneficiary Name is Mandatory This error message will be displayed when the beneficiary name ismissing.

B14 Amount not greater than Zero This error message will be displayed when the amount was zero.

B2I Invalid Status Change The error message will be displayed if a different status from the onesbelow was used.

ACTIVESUSPENDEDCANCELLEDREACTIVATEDACTIVOSUSPENDIDOCANCELADOREACTIVADO

BDM Invalid Record Type This error message will be displayed when the file have more than onestatus type.

Positive Pay



Positive Pay Reconciliation Report

A Report can be downloaded at the end of the day of each uploaded file; this Report will have thestatus of the requests made the day before, of the success or rejection of each cheque action.

HSBCnet will inform about the answer of the account and the answer of the cheque. To be successfulrequires that both codes are successful.

Detail

You can download the file in Reports and Files menu in Reports and Files Download section. Thename of the Report is Positive Pay File Reconciliation Report.

Field Type Lenght

Account Number Numeric 10

Cheque Number Numeric 15

Beneficiary Name Alphanumeric 40

Amount Numeric 15

Reference Alphanumeric 40

Answer Account Code Alphanumeric 21

Answer Cheque Code Alphanumeric 21

Answer Codes

The Reply Codes will be showing in Spanish language:

Answer Account Codes

Code Description Translation

01 Rechazo - Cuenta en ceros, cuenta no encontrada Rejection – Account with zeros, The account wasnot found

02 Rechazo - Cuenta cerrada Rejection – Closed Account

03 Rechazo – La cuenta no realiza validación en loscheques

Rejection – The account is not available forcheque validation.

04 Rechazo – Hogan no disponible Rejection - The system is not available.

05 Rechazo - Cuenta con ceros / Cuenta no encontrada Rejection – Account with zeros / The account wasnot found

06 Rechazo - Cuenta no habilitada para Protección deCheques

Rejection – Account not enabled for Positive Pay

07 Rechazo - Cuenta no habilitada para Protección deCheques y sin validación de cheques

Rejection – Account not enabled for Positive Payand no validation of cheques

08 Rechazo – Cheque no encontrado Rejection – Cheque not found

22 Rechazo - Subproducto inválido Rejection – Invalid Subproduct

Positive Pay



Answer Cheque Codes

Code Description More detail Translation

01 Cheque inexistente The cheque number doesn’t exist.

Please validate the cheque number.

02 Chequera dada de baja The chequebook was removed.

Please request a new chequebook.

03 Chequera cancelada The chequebook was cancelled.

Please request a new chequebook

04 Chequera suspendida The chequebook was suspended.

05 Chequera robada o extraviada The chequebook was stolen or missed.

Please request a new chequebook.

06 Cheque pagado y estatus ok The cheque was collected.

07 Cheque no ha sido pagado The cheque has not been collected.

08 Chequera no se encuentra activa The chequebook is inactive.

Please activate the chequebook.

10 Error al leer archivo de chequeras The file cannot be read

Please try again.

11 Checar archivos fraude no disponible The system is not available.

12 Cheques ya existen The cheques have already been activated.

13 El Cheque no existe The cheque doesn’t exist (The cheque is not protected)

14 Estatus de cheque es igual 1 or 3 Invalid Status Change.

15 Monto de cheque igual a ceros The cheques must have an amount greater than 0.00 MXN.

16 Beneficiarios igual a espacios It’s is not including the beneficiary name.

17 Status fraudes es igual a 3 ó diferentede 3 ó 5

Invalid Status Change.

18 Problemas al grabar archivo The file cannot be read. Please try again later.

19 Status de fraudes es igual a 2 ó 6 Invalid Status Change.

20 Beneficiario ó estatus ó monto traenvalores zeros/espacios ó coincidencon campos de fraudes

When the following values: Beneficiary Name and Amount are not havingany status change.

21 Status no es igual a 1 ó 5 Invalid Status Change.

23 Chequera no recibida The chequebook is still in Branch.

Positive Pay



Chart of Valid Characters

Valid Characters

0 L f .

1 M g ,

2 N h “

3 O i /

4 P j -

5 Q k

6 R l

7 S m

8 T n

9 U o

A V p

B W q

C X r

D Y s

E Z t

F u

G a v

H b w

I c x

J d y

K e z

Positive Pay



positive pay file upload userguide (only for account holders in … · 2018-09-25 · positive pay...

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