If a registered user receives an MT 102 STP without bilateral agreement with the Sender, the Receiver should query the message according to normal banking practice.
There is a relationship between the amount related fields 33B, 32B, 36, 71G, 71F, 19 and 32A which may be logically expressed in the following formulas:
For each occurrence of sequence B, the instructed amount in field 33B, adjusted with the exchange rate in field 36, minus the Sender's charges in field(s) 71F, equals the transaction amount in field 32B.
The sum of all transaction amounts in fields 32B, equals the total amount in field 19.
The sum of all Receiver's charges in fields 71G of sequence B, equals the total Receiver's charges of field 71G in sequence C.
The total amount in field 19 (or the sum of all transaction amounts in fields 32B), plus the total Receiver's charges in field 71G of sequence C, equals the interbank settled amount in field 32A.
Presence of the fields mentioned above is subject to the conditional field rules C5, C6, C7, C8, C9 and C10. If a field is not present, that field must not be taken into account in the formula. If field 71F is present more than once, all occurrences of that field must be taken into account in the formula.
 Sequence Aif field 71A is ... |
Sequence B |
||
|---|---|---|---|
| then field 32B is ... |
field 71F is ... |
and field 71G is ... |
|
| OUR |
Net amount to be credited to the Beneficiary.Charges have been prepaid by the ordering customer. |
Not allowed |
Optional |
| SHA |
Amount as instructed by the originator, for example, invoice amount.Receiver will deduct its own charges. |
Optional |
Not allowed |
| BEN |
Amount instructed by the originator, after sending bank has deducted its charges.Receiver will deduct its charges. |
At least one occurrence mandatory |
Not allowed |
| Sequence Aif field 71A is ... |
Sequence C |
||
|---|---|---|---|
| then field 19 is ... |
field 32A is ... |
and field 71G is ... |
|
| OUR |
Sum of field(s) 32B of sequence B |
Settlement Amount equals field 19 plus field 71G of sequence C |
Sum of fields 71G of sequences B |
| SHA |
Not used |
Settlement Amount equals Sum of field(s) 32B of sequence B |
Not allowed |
| BEN |
Not used |
Settlement Amount equals Sum of field(s) 32B of sequence B |
Not allowed |
