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EDIFACT message guide · Finance

DEBADV Debit advice

The UN/EDIFACT message a bank sends to tell an account owner that its account has been, or will be, debited for a specified amount.

Sent by
Account-servicing bank
Received by
Account owner
Standard
UN/EDIFACT · Batch message
X12 equivalent
No direct equivalent

What is the EDIFACT DEBADV message?

DEBADV is the UN/EDIFACT debit advice message. The directory defines it as a message sent by the account-servicing financial institution to the account owner, informing it that its account has been or will be debited for a specified amount on the date indicated, in settlement of the referenced business transactions.

Debit advices confirm that payments the company ordered, or direct debits collected from it, have been charged to its account. Treasury teams use them to confirm execution and to update cash positions before the end-of-day statement arrives.

How the EDIFACT DEBADV message worksDiagram of the UN/EDIFACT DEBADV Debit advice message. Account-servicing bank sends it to account owner. It usually follows PAYORD and PAYEXT. Inside the UNB and UNH envelopes, the directory D.21A requires, in the start of message: BGM (Beginning of message) and DTM (Date/time/period) and body and segment groups: the required SG3 loop with MOA (Monetary amount) and the required SG4 loop with FII (Financial institution information). 8 conditional segment groups are listed by their trigger segment.How the EDIFACT DEBADV message worksDebit advice: who sends it, where it fits and what the directory marks mandatory1 WHERE IT FITSUSUALLY FOLLOWSPAYORDPayment orderPAYEXTExtended paymentorderDEBADVSENDERAccount-servicingbankRECEIVERAccount ownerCONTRL syntax report back, if agreedUSUALLY FOLLOWED BYNo business reply expected2 WHAT DIRECTORY D.21A REQUIRESInterchange: sender and recipient IDsUNB … UNZMessage DEBADVUNH … UNTSTART OF MESSAGEBGMBeginning of messageDTMDate/time/periodBODY AND SEGMENT GROUPSMandatory group SG3 · repeats up to 4MOAMonetary amountMandatory group SG4 · repeats up to 4FIIFinancial institution information+ 8 conditional groups, starting with:RFFPAINADINPGEIFCADOCAUTBlue box: mandatory segment group. Conditional groups are listed by the trigger segment that starts them; a group is sent only when its data applies.Conditional segments outside groups are not drawn.Structure: mandatory segments and groups in the UN/EDIFACT directory D.21A listing for DEBADV. Your trading partner's implementation guide adds itsown requirements.
How the EDIFACT DEBADV message worksDiagram of the UN/EDIFACT DEBADV Debit advice message. Account-servicing bank sends it to account owner. It usually follows PAYORD and PAYEXT. Inside the UNB and UNH envelopes, the directory D.21A requires, in the start of message: BGM (Beginning of message) and DTM (Date/time/period) and body and segment groups: the required SG3 loop with MOA (Monetary amount) and the required SG4 loop with FII (Financial institution information). 8 conditional segment groups are listed by their trigger segment.How the EDIFACT DEBADVmessage worksDebit advice: who sends it, where it fits andwhat the directory marks mandatory1 WHERE IT FITSUSUALLY FOLLOWSPAYORDPayment orderPAYEXTExtended payment orderDEBADVSENDERAccount-servicing bankRECEIVERAccount ownerCONTRL syntax report back, if agreedUSUALLY FOLLOWED BYNo business reply expected2 WHAT DIRECTORY D.21A REQUIRESInterchange: sender and recipient IDs(UNB … UNZ)Message DEBADV (UNH … UNT)START OF MESSAGEBGMBeginning of messageDTMDate/time/periodBODY AND SEGMENT GROUPSMandatory group SG3 · repeats upto 4MOAMonetary amountMandatory group SG4 · repeats upto 4FIIFinancial institutioninformation+ 8 conditional groups, starting with:RFFPAINADINPGEIFCADOCAUTBlue box: mandatory segment group. Conditionalgroups are listed by the trigger segment thatstarts them; a group is sent only when its dataapplies. Conditional segments outside groups arenot drawn.Structure: mandatory segments and groups in theUN/EDIFACT directory D.21A listing for DEBADV.Your trading partner's implementation guide adds itsown requirements.

How to read this diagram: the top row shows who sends DEBADV, to whom, and which messages usually come before and after it. The lower part shows what the directory D.21A itself requires: the envelopes around DEBADV and the segments and segment groups it marks mandatory. Conditional groups are listed by their trigger segment rather than drawn in full. This is the directory's minimum, not a trading partner's requirement: a message implementation guide, such as an industry subset or a partner’s own guide, usually makes some conditional groups mandatory, restricts the codes and may use an older directory.

Expand diagram Download SVG

When it is used

  • Confirming execution of an outgoing payment
  • Advising direct debits charged to an account
  • Advising bank fees and charges

Where it fits in the message flow

Usually follows PAYORD Payment orderPAYEXT Extended payment order
This message DEBADV Debit advice

Structure

Mandatory segments in DEBADV (directory D.21A)

In UN/EDIFACT directory D.21A, the DEBADV message has 44 segment positions arranged in 12 segment groups. These are the segments and segment groups marked mandatory at message level, in order; a mandatory group is shown with the segment that starts it. Segments inside conditional groups are needed only when the group is used. This is the directory’s requirement, not your trading partner’s: each partner’s message implementation guide names the directory it uses, often an older one such as D.96A or D.01B where the structure can differ, makes some conditional segments mandatory and restricts the codes.

  • UNH
  • BGM
  • DTM
  • SG3 (MOA)
  • SG4 (FII)
  • UNT

Practical example

DEBADV in practice

A company orders an urgent supplier payment with a PAYORD in the morning. When the bank executes it, it sends a DEBADV with the amount debited, the value date and the payment reference. The company's treasury system marks the payment as executed and updates the day's cash position.

Implementation

Implementation considerations for DEBADV

  • Match advices to payment orders by reference.
  • Reconcile debit advices with the account statement.
  • Distinguish payments, direct debits and fees by transaction code.
  • Choose between single and multiple debit advices with the bank.

How ECOM helps

Automate DEBADV with ECOM

Solution

Financial Document Automation

Automate invoices, remittances, payment files and bank statements from capture to posting.

Industry

Financial Services

Secure file transfer and B2B integration for banks and financial institutions.

Solution

Procure-to-Pay Automation

Automate purchasing, receiving and supplier invoicing across EDI, portals and documents.

Compare X12 and EDIFACT, or see answers to general questions in the EDI FAQ.

Related messages

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