Originator
Corporate Treasury.
Clean every payment address before the file leaves your ERP or TMS — one deterministic call, sub-50ms. After 15 Nov 2026 your bank legally cannot fix your beneficiary addresses for you.
The hinge — you assemble the payment, so the liability for a rejected payment is yours as originator (EPC §3.2). The fix has to live where the payment is assembled: at source, on your master data and your pain files.
Where you call ARSYour corner of the model.
| Placement | At-Source |
| Scope | Party Address + Message (pain.001 / pain.008) |
| Channel preset | sepa-sct-out |
| Pattern | Sidecar beside the ERP / TMS (SAP, Oracle, Kyriba, GTreasury, ION) |
| Transports | REST · SFTP · JDBC · File Upload |
Your channel presetRegister once with EP-25, then send channelName + payload.
{
"channelName": "sepa-sct-out",
"channelSelection": {
"channel": "sepa", "scheme": "SCT", "schemeVersion": "SR2026",
"direction": "OUTBOUND", "pspCountry": "DE", "timezone": "Europe/Berlin"
},
"corridor": { "sendingCountry": "DE", "receivingCountry": "FR", "currency": "EUR" },
"preferences": {
"outputMode": "EPC", "targetFormat": "FULLY_STRUCTURED",
"quality": "standard", "repairConfidenceThreshold": 0.8
}
}
Endpoints you'll useTry every one in the API reference.
| Endpoint | Does |
|---|---|
EP-02 Process Batch Party Address | One-time master-data scrub, up to 10,000 addresses per call. |
EP-16 / EP-17 Mandate | Decide whether an address is even required for the scheme + corridor. |
EP-10 Check Message Addresses | Validate every address in a pain file before you transmit. |
EP-12 Convert Message Addresses | Auto-correct the file in place; receive a transmit-ready pain. |
EP-08 Process Message Addresses | The all-steps pipeline on a pain message in one call. |
Recommended use casesAll At-Source, on your own data and pain files.
ink_eraserScrub beneficiary master data
Correct
Data At-Source
Batch-clean stored beneficiary addresses in your ERP before they ever enter a payment file.
EP-02 Process Batch Party Address
balanceDecide whether an address is even required
Validate · mandate
Data At-Source
Determine if the scheme and corridor legally mandate a party address before you prompt for one.
EP-16 / EP-17 Mandate Party Address
Watch out for — your bank may not correct your counterparty's address (EPC §3.2), so clean it at source. Batch calls (EP-02) require an Idempotency-Key header. Returns and recalls are exempt from modification (EPC §8.3) — route them through the R-transaction endpoints.