We publish the aggregated statistics to help increase awareness about fraud trends, prevention, and security. Tackling fraud is a high priority for industry. Our annual Australian Payments Fraud report includes details of how the industry is working collaboratively and with law enforcement in the fight against fraud. Through our network we bring together industry, government, regulators and other stakeholders to improve the Australian payments system by:.
Our network is open to financial institutions, payment systems operators, technology providers, major retailers and other organisations with a significant interest in payments. Our network of organisations spans a wide range of participants with varying levels of involvement.
T - drawing under a Transaction Negotiation Authority. W - dividend payment to a resident of a country with a double tax. X - dividend payment to a resident of any other country.
Y - interest payment to a non-resident of Australia. W, X and Y require that a withholding tax amount be specified. Available codes are:. First Second Names". If not zero then will. Must be last record in each file of batch. Must be precisely one such record in each file. EOF should occur at the end. Some banks permit. It turns out there is a formal specification for. The file format specification is published by the Australian. Character positions 2 and 3 must equal valid Financial Institution number.
Character position 4 must equal a valid state number Must not contain all blanks unless a credit card transaction or zeros. Leading zeros which are part of a valid account number must be shown, e. Where account number exceeds nine characters, edit out hyphens.
Right justified, blank filled. Withholding Tax Indicators: " W " — dividend paid to a resident of a country where a double tax agreement is in force. The amount of withholding tax is to appear in character positions Note: Where withholding tax has been deducted the appropriate Indicator as shown above is to be used and will override the normal indicator.
A full list of compatible transaction codes are listed below. Must be greater than zero. Shown in cents without punctuations. Users and recipients should be aware that transactions made using incorrect account, amount, bank or BSB details may result in: funds being incorrectly paid to the wrong payee account, which may not be recoverable; overpayment of funds to the payee, which may not be recoverable; processing failure; interest, a charge, fee or penalty which may be levied by the payee for failure to make a payment by due date.
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