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salesking / sepa_king

Ruby gem for creating SEPA XML files
MIT License
149 stars 118 forks source link

Allow empty debtor BIC for pain.001.001.03 credit transfers #114

Closed A1bi closed 1 year ago

A1bi commented 2 years ago

With pain.001.001.03 a BIC is required for neither the debtor nor creditor.

[DbtrAgt.BIC] Die Belegung des Elements ist nicht erforderlich.

Source: pain.001.001.03 spec, page 25

[DbtrAgt] Debtor Agent will be derived from Debtor Account with IBAN present. Thus is not mandatory.

Source: pain.001.001.03.ch.02 spec, page 14

An empty BIC was already accepted for the creditor. This PR removes the requirement from the debtor as well.

nikolasgd commented 1 year ago

Can this please be urgently accepted? Our bank will require pain.001.001.03 as mandatory from November 2022 on, but currently this breaks our application as not every credit transfer in our database has a bic.

ledermann commented 1 year ago

Thanks a lot, @A1bi - and @nikolasgd for nudging.