Main data file

This file specification provides details about the layout and attributes of the primary data file. This file is intended to hold the data to be sent to SurePay through the SFTP protocol.

File format

Name convention: accounts_bank.pgp (Replace 'bank' for your bank's respective name.)

  • Consists of multiple records (lines).
  • Unix end-of-line characters should conclude each record.
  • Should be uploaded into the root folder.
  • Each record is an individual XML document.
  • XML documents can be validated against the provided XSD schema.
  • Each record should pertain to a single account (it can contain more than one account holder in case of natural persons).

The dummy file below contains an example of how the file should be structure:

Fields and formatting

Within the following fields, you will encounter shared attributes applicable to both Natural Persons and Organisations. However, each of these entities also possesses distinct attributes, which can be located within the "Persons" and "Organisations" objects respectively. It's important to mention that a file can contain multiple records from both Natural persons and Organisations.

  • Name
    account
    Type
    object
    Tag(s)
    Mandatory
    Description

    Object containing the accounts’ information.

    • Name
      iban
      Type
      string
      Tag(s)
      Mandatory
      Description

      Full IBAN bank account. No spaces are allowed. Mod97 compliant.

      • Format: [A-Z]2[0-9]2[a-zA-Z0-9]30 [18-34] characters
    • Name
      status
      Type
      String
      Tag(s)
      Mandatory
      Description

      The status of the account.

      • ACTIVE: account is a valid account and supported for checks.
      • INACTIVE: account is a valid account marked as inactive by the account holding bank, by a third party or by SurePay if SurePay has reason to believe that the account should be marked as inactive.
    • Name
      startDate
      Type
      Date
      Tag(s)
      Mandatory
      Description

      The date when the account was opened and registered by the bank. Reflects the real start date of the account.

      • Format: YYYY-MM-DD
    • Name
      ascription
      Type
      String
      Tag(s)
      Mandatory
      Description

      The name under which the account is registered at the bank.

      • Format: [2-70] characters
    • Name
      bgcName
      Type
      String
      Tag(s)
      Optional
      Description

      The account name which is used for non-cash payments exchanged through the Dutch clearing system (BGC or Equens).

      • Format: [2-24] characters
    • Name
      bankAccountType
      Type
      String
      Tag(s)
      Mandatory
      Description

      The type of bank account. The possible values are:

      • PAYMENTS - A payments account, also known as a checking account.
      • SAVINGS - A savings account.
      • MORTGAGE - A mortgage account.
      • TRUST - Also known as derdengeldenrekening or Escrow account. Used by notary offices, lawyers and bailiffs.
      • COLLECTION - Also known as beheer rekening. typically owned by a collection agency or a debt buyer. But can also be used by Collecting Payment Service Providers.
      • INVESTMENT - An account used for investing (Also known as brokerage account or beleggingsrekening).
      • OTHER - Other products.
      • UNKNOWN - Unknown account type.
  • Name
    accountHolder
    Type
    Object
    Tag(s)
    Mandatory
    Description

    The root element for ‘person’/’organisation’ (only one of these two could be included within it).

  • Name
    person
    Type
    Object
    Tag(s)
    Optional
    Description
  • Name
    organisation
    Type
    Object
    Tag(s)
    Optional
    Description

XML Line (Record)

Natural Person
   <account iban="NL88SRPY9056000789" startDate="2022-10-30" ascription="JOHN MARK PETERSON" status="active" bankAccountType="PAYMENTS"><accountHolder><person fullGivenName="JOHN MARK" initials="J.M." correspondence="J.M. MIREY" birthName="MIREY"/></accountHolder></account>

XML Line (Record)

Multiple Natural Persons
   
<account iban="NL57SRPYB0906840880" startDate="1997-05-08" ascription="VOORN MATHIAS RODRIGUEZ en M.A. SMITH-RODRIGUEZ" status="active" bankAccountType="MORTGAGE"><accountHolder><person fullGivenName="VOORN MATHIAS" initials="V.M." surnameCombined="VOORN" correspondence="V.M. RODRIGUEZ" birthName="RODRIGUEZ"/></accountHolder><accountHolder><person fullGivenName="MARIE ALEXANDRA" initials="M.A." surnameCombined="SMITH-RODRIGUEZ" correspondence="M.A. SMITH" birthName="SMITH"/></accountHolder></account>

XML Line (Record)

Organisation
<account iban="NL91SRPY9000000555" startDate="2018-05-12" ascription="AlCAMO BIKE SERVICES" status="active" bankAccountType="SAVINGS"><accountHolder><organisation legalName="AlCAMO BIKE SERVICES" kvkNumber="59581853" kvkBranchNumber="000015063097" residentialPostalCode="1012DH" residentialCountry="NL" legalStructure="LTD" commercialNameShort="ALCAMO BIKES"/></accountHolder></account>
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