The MT 104 is used to convey customer direct debit instructions between financial institutions.
The MT 104 can be:
sent by the creditor's bank, or another financial institution, to the debtor's bank, or another financial institution, on behalf of the creditor/instructing party to order the debit of the debtor's account and to collect payment from this account.
or sent between two financial institutions on behalf of a creditor/instructing party to request the direct debit of the debtor's account in the Receiver's country and subsequently to credit the creditor's account maintained by the Receiver or one of its branches.