Submission of Payment Orders
The payment order is filled out in accordance with the Croatian National Bank's Decision on Payment Orders and the Instruction on the form, content, and use of standardized payment orders (HUB 3 and HUB 3A) in payment transactions.
Submission of Orders
- On paper (payment orders HUB 3 and HUB 3A)
- In the form of a file (message pain.001.001.09) on electronic media (CD/DVD/USB stick)
The pain.001 message is used to initiate a payment order in file format and is employed as a standard for issuing orders in SEPA area countries for payments (credit transfers), specifically for orders with the payment currency EUR, HR IBAN recipient account, and the urgency marker NORM. It must be created according to the rules described in the Implementation Guide - ISO 20022 XML Standard for initiating credit transfer messages (pain.001.001.09), available at www.sepa.hr.
For initiating payment orders in file format through the Fina e-Payment service or at a Fina branch, please pay attention to the document Specifics of Submitting/Initiating the pain.001 Message in Fina.
The payment order must include details of the model and reference number, which must be aligned with the Overview of Basic Reference Number Models, available in Croatian and English.
Receiving Orders
- Interbank transfer orders for execution on the same working day are accepted until 14:15 hours
- Intrabank orders (regardless of the execution date) and interbank orders for scheduled execution are received during the hours designated for client service