Positive Pay
User Guide
Positive Pay File Upload (Only for account holders in Mexico)
February 2017
Positive Pay
Published: February 2017 i
Disclaimer
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© 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
Issued by HSBC Bank plc
© HSBC Bank plc 2017. All rights reserved
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
Issued by HSBC Bank plc
© HSBC Bank plc 2017. All rights reserved
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
Issued by HSBC Bank plc
© HSBC Bank plc 2017. All rights reserved
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
Issued by HSBC Bank plc
© HSBC Bank plc 2017. All rights reserved
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
Issued by HSBC Bank plc
© HSBC Bank plc 2017. All rights reserved
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
Issued by HSBC Bank plc
© HSBC Bank plc 2017. All rights reserved
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
Issued by HSBC Bank plc
© HSBC Bank plc 2017. All rights reserved
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
Issued by HSBC Bank plc
© HSBC Bank plc 2017. All rights reserved