Business Transaction Format

BTF parameters for identifying business transactions in EBICS 3.0+.

BTF is the modern way to identify business transactions in EBICS 3.0+ (H005/H006). It replaces the legacy 3-letter order type codes with a flexible service-based approach combining service name, scope, options, and message type.

BTF Structure

A BTF identifier consists of several components:

<BTUOrderParams>
    <Service>
        <ServiceName>SCT</ServiceName>      <!-- Service type -->
        <Scope>DE</Scope>                   <!-- Country/region -->
        <ServiceOption>URG</ServiceOption>  <!-- Optional modifier -->
        <Container>ZIP</Container>          <!-- Container format -->
        <MsgName>pain.001</MsgName>         <!-- Message type -->
        <MsgName version="09"/>             <!-- Message version -->
    </Service>
</BTUOrderParams>

Service Names (33 services)

Payment Initiation Services (Upload)

Service	Description	Message Types
SCT	SEPA Credit Transfer	pain.001
SDD	SEPA Direct Debit	pain.008
SCI	SEPA Credit Instant	pain.001
XCT	Cross-border Credit Transfer	pain.001
ICT	Internal Credit Transfer (Non-SEPA)	pain.001
SCC	SEPA Card Clearing	pain.001
CHQ	Cheque	pain.001
XDD	International Direct Debit	pain.008
MCT	Mixed Credit Transfer (Austrian Fiduciary)	pain.001

Reporting Services (Download)

Service	Description	Message Types
REP	Payment Status Report	pain.002
STM	Statement (Intraday)	camt.052, camt.053
EOP	End of Period Statement	camt.053
DAR	Document Archive Retrieval	Various
CIM	Customer Information Message (Austrian PSA)	cimresp

Account Management (eBAM)

Service	Description
BAM	Bank Account Management

Trade Finance

Service	Description
EDC	Export Documentary Credit
IDC	Import Documentary Credit
GUA	Guarantees

Other Services

Service	Description
RTP	Request to Pay
ECO	E-Commerce Transactions
RFT	Request for Transfer (SWIFT Relay)
OTH	Other (Bilateral Agreements)

Legacy Services (Pre-BTF Compatibility)

Service	Description
CCT	Cross-border Credit Transfer
CDD	Core Direct Debit
STA	Statement MT940
VMK	Vormerkposten/Intraday MT942
BOE	Book Order Entry
PSR	Payment Status Report
HAC	Customer Acknowledgement
IP	Instant Payment
SDB	Direct Debit B2B
SDF	Direct Debit Final
DCT	Domestic Credit Transfer

Scope Codes (17 scopes)

Country-Specific (ISO 3166-1)

Code	Description
DE	Germany (DK Rulebook)
AT	Austria
CH	Switzerland
FR	France
BE	Belgium
NL	Netherlands
LU	Luxembourg
IT	Italy
ES	Spain
PT	Portugal

Regulatory/Organizational

Code	Description
BGR	Berlin Group Rulebook
BBK	Deutsche Bundesbank Rulebook
BIL	Bilateral Agreement
EBA	EBA-Clearing Rulebook
SWF	SWIFT / CBPR+ Rulebook
EPS	EPS (Austrian Payment System)
Global	No specific scope

Service Options (25 options)

Verification of Payee (VOP)

Option	Description
VOO	Verification of Payee Opt-Out
VOI	Verification of Payee Opt-In
VOP	Verification of Payee (Reports)

SEPA Direct Debit Schemes

Option	Description
B2B	Business-to-Business Direct Debit
COR	Core Direct Debit Scheme

Urgency

Option	Description
URG	Urgent Payment (Same Day)

Salary Payment Options (Austrian PSA)

Option	Description
CFD	Salary Payment (Gehaltszahlung)
CFDVOO	Salary Payment with VOP Opt-Out
CFDVOI	Salary Payment with VOP Opt-In
UCF	Urgent Salary Payment

Fiduciary/Treuhänder Options (Austrian PSA)

Option	Description
THM	Fiduciary Payments (Treuhänder)
THMVOI	Fiduciary Payments with VOP Opt-In
THMINSTVOI	Fiduciary Instant Payments with VOP Opt-In
THMNSEPVOO	Fiduciary Non-SEPA Payments with VOP Opt-Out

Other Options

Option	Description
DKI	Exchange Rate Information

Container Types (4 types)

Type	Description	MIME Type
XML	Plain XML	application/xml
ZIP	ZIP compressed	application/zip
SVC	Service Computing Center format	application/octet-stream
None	No container (raw data)	-

Message Names

ISO 20022 Payment Messages (pain.*)

Message	Version	Description
`pain.001.001.03`	2009	Credit Transfer (legacy)
`pain.001.001.09`	2019	Credit Transfer (current)
`pain.002.001.03`	2009	Payment Status Report (legacy)
`pain.002.001.10`	2019	Payment Status Report (current)
`pain.007`	-	Customer Payment Reversal
`pain.008.001.02`	2009	Direct Debit (legacy)
`pain.008.001.08`	2019	Direct Debit (current)
`pain.013`	-	Request to Pay Initiation
`pain.014`	-	Request to Pay Status Report

ISO 20022 Cash Management (camt.*)

Message	Version	Description
`camt.052.001.02`	2009	Intraday Statement (legacy)
`camt.052.001.08`	2019	Intraday Statement (current)
`camt.053.001.02`	2009	Account Statement (legacy)
`camt.053.001.08`	2019	Account Statement (current)
`camt.054.001.02`	2009	Notification (legacy)
`camt.054.001.08`	2019	Notification (current)
`camt.055`	-	Payment Cancellation Request
`camt.086`	-	Bank Services Billing Statement

ISO 20022 Account Management (acmt.*)

Message	Description
`acmt.007`	Account Opening Request
`acmt.010`	Message Confirmation
`acmt.011`	Message Rejection
`acmt.013`	Account Report Request
`acmt.014`	Account Report
`acmt.015`	Account Modification Request
`acmt.017`	Mandate Modification Request
`acmt.019`	Account Closing Request
`acmt.022`	Name/Person Data Changes

SWIFT MT Messages

Message	Description
`MT940`	Account Statement
`MT942`	Intraday Statement
`MT101`	Request for Transfer
`MT100`	International Payment
`MT104`	International Direct Debit
`MT300`	FX Trade Confirmation
`MT799`	Free Text

Common BTF Combinations

Germany (DE Scope)

Use Case	Service	Scope	Option	Message
SEPA Credit Transfer	SCT	DE	-	pain.001
SEPA Direct Debit (Core)	SDD	DE	COR	pain.008
SEPA Direct Debit (B2B)	SDD	DE	B2B	pain.008
Account Statement	EOP	DE	-	camt.053
Intraday Statement	STM	DE	-	camt.052
Payment Status Report	REP	DE	-	pain.002

Austria (AT Scope)

Use Case	Service	Scope	Option	Message
SEPA Credit Transfer (VOP Opt-Out)	SCT	AT	VOO	pain.001
SEPA Credit Transfer (VOP Opt-In)	SCT	AT	VOI	pain.001
Salary Payment	SCT	AT	CFD	pain.001
Salary Payment (VOP Opt-Out)	SCT	AT	CFDVOO	pain.001
SEPA Instant Credit Transfer	SCI	AT	-	pain.001
Fiduciary Payments	MCT	AT	THM	pain.001
Fiduciary Instant (VOP Opt-In)	MCT	AT	THMINSTVOI	pain.001
Account Statement (ZIP)	EOP	AT	-	camt.053
Customer Information	CIM	AT	-	cimresp

Switzerland (CH Scope)

Use Case	Service	Scope	Option	Message
Swiss Credit Transfer	SCT	CH	-	pain.001
Swiss Direct Debit	SDD	CH	-	pain.008
Account Statement	EOP	CH	-	camt.053

Cross-Border (SWF/BGR Scope)

Use Case	Service	Scope	Option	Message
SWIFT Credit Transfer	XCT	SWF	-	pain.001
Berlin Group Credit Transfer	SCT	BGR	-	pain.001

BTF in EBICS Request

<OrderDetails>
    <AdminOrderType>BTU</AdminOrderType>
    <BTUOrderParams>
        <Service>
            <ServiceName>SCT</ServiceName>
            <Scope>DE</Scope>
            <MsgName>pain.001</MsgName>
            <MsgName version="09"/>
        </Service>
    </BTUOrderParams>
</OrderDetails>

BTF in EBICS Response (HAA)

The HAA response lists available BTF combinations:

<HAAResponseOrderData>
    <OrderTypes>
        <OrderType>BTU</OrderType>
        <BTFType>
            <Service>
                <ServiceName>SCT</ServiceName>
                <Scope>DE</Scope>
                <MsgName>pain.001</MsgName>
            </Service>
        </BTFType>
        <BTFType>
            <Service>
                <ServiceName>SDD</ServiceName>
                <Scope>DE</Scope>
                <ServiceOption>COR</ServiceOption>
                <MsgName>pain.008</MsgName>
            </Service>
        </BTFType>
    </OrderTypes>
    <OrderTypes>
        <OrderType>BTD</OrderType>
        <BTFType>
            <Service>
                <ServiceName>EOP</ServiceName>
                <Scope>DE</Scope>
                <MsgName>camt.053</MsgName>
            </Service>
        </BTFType>
    </OrderTypes>
</HAAResponseOrderData>

Legacy Order Type Mapping

The client maintains 500+ mappings between BTF and legacy order types:

Legacy	BTF Service	Scope	Option	Message
`CCT`	SCT	DE	-	pain.001
`CDD`	SDD	DE	COR	pain.008
`CDB`	SDD	DE	B2B	pain.008
`C52`	STM	DE	-	camt.052
`C53`	EOP	DE	-	camt.053
`C54`	REP	DE	-	camt.054
`STA`	STM	DE	-	MT940
`VMK`	STM	DE	-	MT942

Austrian-Specific Mappings

Legacy	BTF Service	Scope	Option
`XE2`	SCT	AT	VOO
`XE3`	SCT	AT	VOI
`XG2`	SCT	AT	CFDVOO
`XG3`	SCT	AT	CFDVOI
`XI2`	SCI	AT	VOO
`XT2`	MCT	AT	THM

Implementation Coverage

The fourbics Client supports:

303 upload configurations for payment initiation
200+ download configurations for reporting
Automatic legacy-to-BTF conversion for H003/H004 compatibility
Validation of BTF parameter combinations

All mappings follow the official EBICS V3.0.2 specification (valid since October 2025).

Next Steps

Return Codes - Error handling
Order Data Formats - ISO 20022 structures
Protocol Details - Message structures