/P 3 0 R /P 3 0 R endobj endobj endobj At the same time, the use of a future oriented standard based on widely accepted and accessible technology can remove barriers to entry and create a healthy competitive environment. /K [18] /K [4] /K [8] << >> /S /P /P 3 0 R /S /Transparency /K [18] >> >> /Pg 30 0 R We also keep the Bank of Canada, which has oversight of our payment systems, informed of any significant changes. /S /P /ExtGState << << >> 1132 0 R 1133 0 R 1134 0 R 1135 0 R 1136 0 R] 115 0 obj /Annots [596 0 R 597 0 R 598 0 R 599 0 R 600 0 R 601 0 R 602 0 R 603 0 R] endobj 109 [1250 0 R 1251 0 R 1252 0 R 1253 0 R 433 0 R 1254 0 R 1255 0 R 1256 0 R 435 0 R 1257 0 R endobj /Pg 33 0 R << /K [22] /S /Figure /K [0] /Pg 30 0 R /Type /StructElem << 39 920 0 R /P 3 0 R The following explanations describe the regulations that are applied uniformly within the framework of the Swiss Payment Standards in addition to the individual Implementation Guidelines. << /S /P << << /P 3 0 R /S /H3 /S /P >> << G. ACCOUNTING STANDARDS - APPLICABLE FOR ACCOUNTING PERIOD ON OR AFTER 01.04.2021 . /Pg 12 0 R /S /P /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] /F4 523 0 R << 437 0 obj >> << >> << /Type /StructElem Payments Canada ensures that these financial transactions in Canada are carried out safely and securely. /S /Transparency >> These are "minor" versions that do not require any mandatory technical adjustments on the part of the customer., The SPS 2023 release includes adjustments to the following IGs:, All other IGs (see "Currently valid versions") will not be adapted and will remain valid after 20 November 2023., Swiss Business Rules (Version 3.0.1) Publication in April 2023. /Type /Group /S /Header /Type /StructElem /Type /StructElem /GS9 519 0 R /Type /StructElem /Pg 30 0 R 320 0 obj /K [4] >> /Type /StructElem << /CS /DeviceRGB >> 223 0 obj In addition, for 6 of the module documents so-called "Delta Commentary" documents are provided, which contain detailed information on changes within the affected messages. << endobj /Type /StructElem 2 0 obj endobj /Type /StructElem /Type /StructElem /F10 616 0 R /P 3 0 R /S /Header >> /Type /StructElem >> >> There are also some domestic standards that are not interoperable for cross-border transactions, requiring financial institutions and their customers to develop workaround solutions (such as message conversion or translation) to overcome these limitations. /Pg 37 0 R /K [8] /K [808 0 R 809 0 R] >> << /P 3 0 R /Pg 35 0 R /Image241 682 0 R stream >> /CS /DeviceRGB /P 3 0 R 495 0 R 496 0 R 497 0 R 498 0 R 499 0 R 500 0 R 501 0 R 502 0 R 503 0 R 504 0 R /Contents 643 0 R 344 0 obj >> 448 0 obj /Type /StructElem endobj /K [1261 0 R 1262 0 R] >> << >> endobj endobj endobj 186 0 obj /Pg 21 0 R >> /S /TOCI /P 3 0 R << 1 endobj The Swiss financial institutions guarantee the following interface compatibility: that they will support the latest "Major" version of the Implementation Guidelines published by SIX Interbank Clearing plus the preceding version. /P 3 0 R endobj 166 0 obj << << /K [1] Attached is a PDF of the payment standards used by the Georgia Housing Voucher Program. >> >> The SPS annual release definitions published in February can be tested on the SIX validation portal. endobj >> >> 5 0 obj /Type /StructElem /Pg 41 0 R /K [864 0 R 761 0 R] /Font << /Pg 27 0 R section 8 payment standards 2022 massachusetts switching from zoloft to st john's wort. /Pg 16 0 R /Pg 21 0 R 205 0 obj 97 0 obj /K [9] endobj >> /StructParents 116 Click here to learn more on wealth management and investment services, Click here to know more about 2023 Market Outlook. endobj /K [1360 0 R 1361 0 R 1362 0 R] /Type /StructElem endobj >> /P 3 0 R endobj << /F7 613 0 R /Parent 2 0 R /K [16] >> 136 0 obj << endobj /Pg 32 0 R << /Group << /Pg 29 0 R >> /XObject << /Pg 19 0 R It supports software providers/corporates and financial institutions in their effort to ensure a high quality of the technical validation of ISO 20022 messages. endobj /StructParents 86 >> 29 0 obj /Resources << endobj /Type /StructElem /K [0] endobj /Resources << >> /K [1398 0 R] /Pg 14 0 R /K [12] /P 3 0 R /XObject << /K [18] /K [4] The new rates for 2022 reflect a one point five percent (1.5%) increase for 2020 and one point five percent (1.5%) increase for 2021. /P 3 0 R >> << /F2 521 0 R /Type /StructElem << endobj On a payday, you are getting paid for the pay period that ended 2 weeks before. endobj 107 0 obj endobj /S /P /Type /StructElem /S /L << 105 0 obj /F2 521 0 R /P 3 0 R /S /Transparency << /K [6] /F4 523 0 R endobj J.P. Morgan is here to consult on ISO 20022 migration related questions and walk through the journey with you. /Group << /S /P >> /K [4] /S /Footer endobj /P 3 0 R >> 71 0 obj /S /P /Pg 13 0 R endobj << stream >> The payment standard is added to a portion of the family's income. endobj /K [5] /A 1526 0 R /Resources << /S /TOCI 435 0 R 436 0 R 437 0 R 438 0 R 439 0 R 440 0 R 441 0 R 442 0 R 443 0 R 444 0 R 295 0 R 296 0 R 297 0 R 298 0 R 299 0 R 300 0 R 301 0 R 302 0 R 303 0 R 304 0 R 343 0 obj Payments Canada messages for ISO 20022 enabled AFT messages, ISO 20022 message specifications for Lynx, ISO 20022 messages for the Real-Time Rail (RTR), Keeping ISO 20022 electronic payment messages current and effective our portfolio maintenance process. /Type /StructElem /Type /StructElem >> /Type /StructElem /Meta15 517 0 R /Resources << /S /H2 endobj /Pg 33 0 R 164 0 obj /F1 520 0 R endobj /P 3 0 R /Meta186 636 0 R /P 3 0 R 193 0 obj /P 3 0 R /P 3 0 R PCI DSS is a global standard that provides a baseline of technical and operational requirements designed to protect account data. 335 0 R 1204 0 R 1204 0 R 1205 0 R 1205 0 R 1206 0 R 1206 0 R 1207 0 R 1207 0 R 1208 0 R The older versions are available in the archives. It isnt a new standard as real-time, high-value payment systems have already adopted ISO 20022. /Pg 32 0 R /K [18] /Pg 17 0 R 14 0 obj /Pg 13 0 R How does Payments Canada manage the ISO 20022 payment messages? With market infrastructures migrating at different times, SWIFT is committed to helping financial institutions overcome translation challenges and risk of truncation. /S /P 329 0 obj >> /Type /StructElem /K [18] /Pg 35 0 R /CS /DeviceRGB >> 170 0 obj /Resources << H. Indian Accounting Standards (Ind AS) as on 01.04.2022 . /S /Footnote /Resources << << endobj /Image239 680 0 R endobj Payments Canadas Senior Operational Committee provides a more strategic operational lens. >> /Type /Group 20 0 obj /Annots [653 0 R 654 0 R] /Type /StructElem >> /Type /StructElem /Type /Page /ProcSet [/PDF /Text /ImageB /ImageC /ImageI] /P 3 0 R /K [5] /K [1563 0 R 1564 0 R 1565 0 R 1566 0 R] >> 266 0 obj /MediaBox [0 0 595.32 842.04] /Pg 41 0 R /K [1465 0 R 1466 0 R 1467 0 R] /CS /DeviceRGB /Type /StructElem /Meta15 517 0 R /S /P /S /P >> /K [4] 465 0 obj /K [14] 201 0 obj /Pg 42 0 R /K [2] /S /Footer endobj 258 0 R 259 0 R 260 0 R 261 0 R 262 0 R 263 0 R] /S /H3 /K [1475 0 R 1476 0 R 1477 0 R] /XObject << << /Type /StructElem endobj /S /P /P 3 0 R For example, this could be when goods or services have been delivered to the customer and full payment has been received. /S /Header /F2 521 0 R endobj /MSIP_Label_61354688-28ff-43f9-ae7a-258f2522a8ce_Extended_MSFT_Method (Manual) /MediaBox [0 0 595.32 842.04] >> endobj >> << /S /P /S /P /S /P >> >> /P 3 0 R As participant financial institutions migrate to the new ISO 20022 messages, on a voluntary basis, they will be required to support and maintain the existing standard as well, during what is known as a coexistence period. 982.4 defines Payment Standard as the maximum monthly assistance payment for a family assisted in the voucher program (before deducting the total tenant payment by the family). endobj /S /P /Pg 31 0 R 476 0 obj << /F1 520 0 R ISO 20022 is a globally accepted standard for creating messages for the financial services industry. /Pg 12 0 R 498 0 obj /S /Header /K [21] /Pg 30 0 R /P 3 0 R /P 3 0 R 1087 0 R 1087 0 R 1088 0 R 1088 0 R 1089 0 R 1089 0 R 1090 0 R 1090 0 R 1091 0 R 1091 0 R /Type /StructElem endobj Credit if you are married or have a common-law partner. /GS6 518 0 R >> /ID (Note 3) 2022 Payment Standards 05.2022 242 0 obj /Pg 37 0 R << << 376 0 obj /K [14] 542 0 R 543 0 R 544 0 R 545 0 R 546 0 R 547 0 R 548 0 R 549 0 R 550 0 R 551 0 R >> << /Type /StructElem >> /Type /StructElem /K [21] /S /P >> endobj >> endobj The Business Rules for credit transfers, SEPA direct debits and Cash Management describe from a business perspective the business cases with the parties involved and the messages used (payment types) and list the most important validation rule and error handling. /Group << /K [11] endobj /A 1532 0 R To have a better experience, you need to: Tab to close the table of contents and return to the book. /Type /StructElem /F1 520 0 R 423 0 obj 91 0 obj hbbd```b``"'I"Y)`L.,`v;Do ~`4Adm?O@q0,Hwkc`bd` x'@ @ /K [6] /Length 0 >> As major currencies adopt ISO 20022 formatting, SWIFT estimates that 80% of global, high-value payments by volume will be processed through ISO 20022.1, View the Text Version /S /P /GS9 519 0 R /F5 525 0 R /K [22] >> endobj 0 >> << /S /Header /K [4] 27 0 obj /Pg 12 0 R 505 0 R 506 0 R 507 0 R 508 0 R 509 0 R 510 0 R 511 0 R] << 43 0 obj 461 0 obj /S /Transparency /S /P endobj endobj /XObject << /F4 523 0 R /P 3 0 R /F1 520 0 R /F5 525 0 R /P 3 0 R >> /Pg 40 0 R >> >> /Next 1604 0 R /P 3 0 R /Pg 42 0 R /Type /StructElem The exchange of more remittance information with payments offers the potential for: Standards play an important role in the development and facilitation of business through the promotion of safety, quality and technical compatibility. >> Employers must establish a regular pay period and a regular pay day for employees. /Pg 13 0 R The Payment Standards do not limit or affect the amount of rent an owner may charge or the Section 8 tenant may pay. 288 0 obj 217 0 obj << endobj Payments Canada has also published ISO 20022 message specifications for Lynx, Canadas new high-value payments system, to support financial institution participants in developing their own ISO 20022 enabled internal systems, so they can eventually generate and process customer and financial institution wire payments in Lynx when the system goes live. << /Type /StructElem /Font << << /K [6] /S /Footer >> /Pg 13 0 R /Type /StructElem >> Subscribe to one or more of our newsletters and events to connect and stay informed. /Slide /Part /Group << /GS9 519 0 R /S /P /F4 523 0 R /P 3 0 R /P 3 0 R 0 1174 0 R 1175 0 R 1176 0 R 1177 0 R 1178 0 R 1179 0 R 1180 0 R 1181 0 R 1182 0 R 1183 0 R ISO 20022 also allows the financial services industry in Canada to consolidate the current Lynx, AFT and EDI payment standards into a single, global standard. << /K [1368 0 R] << /P 3 0 R /Image245 686 0 R 395 0 R 396 0 R 397 0 R 398 0 R 399 0 R 400 0 R 401 0 R 402 0 R 403 0 R 404 0 R 365 0 obj << The application of different standards results in inefficiencies in the marketplace and an inconsistent user experience. /Type /StructElem /P 3 0 R /Pg 30 0 R /Pg 13 0 R >> The ISO 20022 standard is managed on behalf of ISO by SWIFT (the Society for Worldwide Interbank Financial Telecommunication) as the Registration Authority for ISO 20022. /Type /Page /F9 615 0 R << << /F7 613 0 R 709 0 R 710 0 R 711 0 R 712 0 R 713 0 R 714 0 R 715 0 R 716 0 R 717 0 R 718 0 R << >> /S /TOCI Our payment guides explain payment processes, answer frequently asked questions and educate you on your rights and responsibilities. >> /Pg 39 0 R 135 0 obj /S /P /K [4] endobj /K [1420 0 R 1421 0 R 1422 0 R] 105 0 R 106 0 R 107 0 R 108 0 R 109 0 R 110 0 R 111 0 R 112 0 R 113 0 R 114 0 R /K [1390 0 R 1391 0 R 1392 0 R] /Type /Pages /Parent 2 0 R /K [13] /Contents 672 0 R endobj endobj /P 3 0 R 313 0 obj >> 88 0 obj /P 3 0 R << << >> 468 0 obj >> endobj /K [13] << >> /Type /StructElem >> /Type /StructElem 485 0 R 486 0 R 487 0 R 488 0 R 490 0 R 491 0 R 489 0 R] << /Type /StructElem /Pg 24 0 R endobj endobj /K [1375 0 R 1376 0 R 1377 0 R] 124 0 obj /Type /Group /Pg 37 0 R /Pg 41 0 R /P 3 0 R The definitions on credit transfers (Payment Initiation) cover the entire Swiss payment traffic and enable the submission of payment orders (including SEPA). >> /Parent 4 0 R /XObject << /Font << hUmO0+ 1IRQ@[vLC|0kI NM is|{Gq&U $BTHR3 0XDEpY~7E9ww@Rsq9D']T'CW$]}5DwSNg5RQr s Please refer to Appendix A for the new rates of pay. >> 105 [397 0 R 394 0 R 1240 0 R 391 0 R 1241 0 R 393 0 R 395 0 R 396 0 R 398 0 R 399 0 R << /Font << /S /Transparency /ExtGState << /Type /Page /MediaBox [0 0 595.32 842.04] >> /ExtGState << >> 397 0 obj 372 0 obj >> endobj endobj /Type /StructElem >> /Pg 22 0 R These documents serve as instructions for the technical implementation of the ISO 20022 message Customer Direct Debit Initiation (pain.008) for SEPA direct debits. 112 0 obj /Pg 28 0 R /S /Header /Type /StructElem 1208 0 R 1209 0 R 1209 0 R 337 0 R 1210 0 R 1211 0 R] >> /F2 521 0 R << endobj endobj 1310 0 R 828 0 R 829 0 R 830 0 R 1311 0 R 1312 0 R 838 0 R 841 0 R 842 0 R 843 0 R 315 0 R 316 0 R 317 0 R 318 0 R 319 0 R 320 0 R 321 0 R 322 0 R 323 0 R 324 0 R /K [1244 0 R 1245 0 R] >> This material is not intended to provide, and should not be relied on for, accounting, legal or tax advice or investment recommendations. /Pg 27 0 R 19 0 obj Instead, the employer must report the vacation pay that is being paid separately from the amount of other wages on each wage statement, or provide a separate statement setting out the vacation pay that is being paid. /K [13] /Resources << 181 0 obj << /P 3 0 R /Type /StructElem /Type /StructElem Our financial advisors create solutions addressing strategic investment approaches, professional portfolio management and a broad range of wealth management services. /A 1482 0 R The specifications to the credit transfer (Payment Initiation) cover the entire Swiss payment traffic and enable the submission of payment orders (inclusive SEPA). /Resources << View Infographic Version, With structure and dedicated fields for payment details, the formatting standard creates communication efficiency. /K [1243 0 R 1242 0 R] /S /Transparency /K [24] 189 0 obj Neither JPMorgan nor any of its directors, officers, employees or agents shall incur in any responsibility or liability whatsoever to the Company or any other party with respect to the contents of any matters referred herein, or discussed as a result of, this material. /StructTreeRoot 3 0 R 377 0 obj << << >> >> /Type /StructElem endobj /Type /StructElem >> /S /H3 The GST/HST payment amount for the July 2022 to June 2023 period is: $467: Single individuals 374 0 obj << /K [1120 0 R 1119 0 R] >> << $612. /P 3 0 R endobj /F2 521 0 R /F2 521 0 R /K [19] endobj /S /Header ZIP Code Studio One Bedroom Two Bedroom Three Bedroom Four Bedroom Five Bedroom . /S /P /Pg 21 0 R /P 3 0 R /P 3 0 R /Pg 31 0 R >> The new versions of the Swiss Payment Standards documents ("SPS 2023") for customer-bank message are applicable from 20 November 2023, after the SIC release of 17 November 2023, and include adjustments for the SEPA release of 2023 and various editorial adjustments and clarifications. This is called a "written authorization.". /P 3 0 R /K [15] /Resources << /K [1250 0 R 1251 0 R] /Pg 38 0 R << /K [912 0 R 913 0 R] 230 0 obj >> /P 3 0 R /ExtGState << >> 204 0 obj 214 0 obj /S /Header Read How Financial Institutions Can Unlock Value From APIs. >> /P 3 0 R /S /Footer >> endobj >> endobj /Contents 670 0 R endobj >> >> The Financial Institutions Branch Directory (FIBD) provides routing numbers and addresses for branches of all Canadian financial institutions. /P 3 0 R >> << /Pg 41 0 R /Pg 12 0 R /MediaBox [0 0 595.32 842.04] /K [1370 0 R 1371 0 R 1372 0 R] /K [1530 0 R 1531 0 R] 150 0 obj /Annots [532 0 R 533 0 R 534 0 R 535 0 R 536 0 R 537 0 R 538 0 R 539 0 R 540 0 R 541 0 R >> endobj /Type /StructElem /GS6 518 0 R 449 0 obj /Type /StructElem