--- title: Global ACH (GACH) Requirements slug: svb/global-ach-gach-requirements docTags: createdAt: 2025-11-19T19:48:15.470Z --- Global ACH (GACH) Payments are typically cross-currency transactions. Funds are converted from a USD Debtor Account to the supported local currency of the destination country. Payments may also originate from an SVB-US Multi-Currency Account (MCA); however, the payment currency must match the currency of the MCA. From IBANs in Europe to local branch codes in Asia, each region has unique standards to ensure accuracy and compliance. Understanding these requirements streamlines your transactions, helps avoid delays, and ensures funds reach their intended recipients. :::hint{type="info"} **NOTE: **To ensure timely processing, initiate payments before the **1:00 PM PST cut-off**. Payments submitted after this time, or during bank holidays, are systematically held and will be released on the following business day. ::: *** ## Key Terms Review the following key terms used throughout this document. | **Term** | **Definition** | | --------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Local Clearing Code (BSB)** | A 6-digit number in Australia that identifies a specific bank and branch for domestic transfers, serving as a national sort code to route funds correctly, and is typically found on statements or in online banking. | | **Purpose of Payment Code (POP)** | A mandatory code for regulatory reporting required by certain destination countries (e.g., Canada, Hong Kong, UAE). | | **Kundle ID (KID)** | A specific reference number required for payments destined for Norway. | | **IBAN ** | A standard international numbering system developed to identify an individual’s account at a financial institution. The structure consists of a two-letter country code, followed by two digits and up to 30 alphanumeric characters. | | **SWIFT/BIC code** | Also referred to as a SWIFT code consists of 8 (primary) or 11 (primary and branch code) alphanumeric characters and is used as a unique identifier for financial institutions. | *** ## Vendor and Bill Requirements For NetSuite users, the Entity Bank Details bundle is required to process Global ACH payments through the plugin.  To prevent payment delays or returns, all payments are required to have the following information: :::::WorkflowBlock ::::WorkflowBlockItem ### Vendor Record The Entity's full name and Address (Address Line 1), City, and Country are required. :::hint{type="info"} **NOTE: **If the beneficiary is an individual, avoid using initials in the Vendor's name to avoid processing delays. ::: :::: ::::WorkflowBlockItem ### Billing Address and Location The Bill, Vendor, and Entity bank Account Address (stored in the FISPAN Bank Details record) must have the destination country accurately listed. If an Entity has multiple Bank Accounts stored, then the Address of the Bill must match the destination bank account's country.  :::hint{type="info"} **NOTE:** The name and address of the destination bank account should be entered in the bank account's record. ::: :::: :::WorkflowBlockItem ### Currency The Bill and the destination bank account must use one of the supported local currencies for the destination country (e.g., CAD for Canada, or HKD/CNH/CNY for Hong Kong). For payments from a Multi-Currency Account (MCA), the payment currency must match the MCA currency. ::: :::WorkflowBlockItem ### Payment Method To ensure your payment is correctly routed via local clearing systems (Global ACH), you must select the appropriate method within your ERP during the setup or payment process: **NetSuite**: - In the Entity Bank Details record, the Method field must be set to **International**. - When processing the payment for Open Bills, you must select **GLOBAL\_ACH** in the plugin's payment method dropdown. **Intacct and Business Central 365**: - When configuring the Vendor Bank Account or selecting the payment method for a bill, you must select **GLOBAL\_ACH**. This ensures the plugin identifies the transaction as a Global ACH payment. ::: ::::: Additional requirements may apply depending on the destination. Please review the country-specific requirements listed below. *** ## North America ### Canada **Payment Context** - **Swift BIC Country Code: **CA - **Method:** International - **Currency Code:** CAD **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment Code (POP)** is mandatory. ::: :::WorkflowBlockItem **Branch Transit Number (5 digits) **is required on the Vendor record. ::: :::WorkflowBlockItem **Financial Institution Number (3 digits)** is required on the Vendor record. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Mexico **Payment Context** - **Swift BIC Country Code: **MX - **Method:** International - **Currency Code:** MXN **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **CLABE (18 digits)** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: *** ## Asia-Pacific ### Australia **Payment Context** - **Swift BIC Country Code: **AU - **Method:** International - **Currency Codes:** AUD, NZD **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **Account Number** is mandatory. ::: :::WorkflowBlockItem **BSB Code (3 digits)** is mandatory **when paying in AUD.** ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### New Zealand **Payment Context** - **Swift BIC Country Code: **NZ - **Method:** International - **Currency Codes:** NZD, AUD **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **Account Number** is mandatory. ::: :::WorkflowBlockItem **Bank Code** **(6 digits) **is required on the Vendor record. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Hong Kong **Payment Context** - **Swift BIC Country Code: **HK - **Method:** International - **Currency Codes:** HKD, CNH, CNY **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **Account Number** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment Code (POP)** is mandatory **when paying in HKD.** ::: :::WorkflowBlockItem **Bank Code** **(3 digits) **is required on the Vendor record. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Singapore **Payment Context** - **Swift BIC Country Code: **SG - **Method:** International - **Currency Code:** SGD **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **Account Number** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment Code (POP)** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: *** ## Middle East ### Israel **Payment Context** - **Swift BIC Country Code: **IL - **Method:** International - **Currency Codes:** ILS, EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment Code (POP)** is mandatory **when paying in ILS.** ::: :::: ### United Arab Emirates **Payment Context** - **Swift BIC Country Code: **AE - **Method:** International - **Currency Code:** AED **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment Code (POP)** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: *** ## United Kingdom ### United Kingdom **Payment Context** - **Swift BIC Country Code: **UK - **Method:** International - **Currency Codes:** GBP, EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **Bank Account Number + Bank Sort Code** **(6 digits)** are required **when paying in GBP** or ::: :::WorkflowBlockItem **IBAN** is required **when paying in EUR** ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Guernsey **Payment Context** - **Swift BIC Country Code: **GG - **Method:** International - **Currency Code:** EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Isle of Man **Payment Context** - **Swift BIC Country Code: **IM - **Method:** International - **Currency Code:** EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Jersey **Payment Context** - **Swift BIC Country Code: **JE - **Method:** International - **Currency Code:** EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: *** ## Europe ### Czech Republic **Payment Context** - **Swift BIC Country Code: **CZ - **Method:** International - **Currency Code:** CZK **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Romania **Payment Context** - **Swift BIC Country Code: **RO - **Method:** International - **Currency Code:** RON **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Denmark **Payment Context** - **Swift BIC Country Code: **DK - **Method:** International - **Currency Codes:** DKK, EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Norway **Payment Context** - **Swift BIC Country Code: **NO - **Method:** International - **Currency Codes:** NOK, EUR **Requirements** :::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: ::::WorkflowBlockItem **Kundle ID** is optional. :::hint{type="info"} **NOTE:** To include a KID in the payment file, it must be entered in the Bill Memo field using the exact format: KID:1234567890 (prefix "KID:" followed by the number) ::: :::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: ::::: ### Poland **Payment Context** - **Swift BIC Country Code: **PL - **Method:** International - **Currency Codes:** PLN, EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Sweden **Payment Context** - **Swift BIC Country Code: **SE - **Method:** International - **Currency Codes:** SEK, EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Switzerland **Payment Context** - **Swift BIC Country Code: **CH - **Method:** International - **Currency Codes:** CHF, EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Andorra **Payment Context** - **Swift BIC Country Code: **AD - **Method:** International - **Currency Code:** EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Austria **Payment Context** - **Swift BIC Country Code: **AT - **Method:** International - **Currency Code:** EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Belgium **Payment Context** - **Swift BIC Country Code: **BE - **Method:** International - **Currency Code:** EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Bulgaria **Payment Context** - **Swift BIC Country Code: **BG - **Method:** International - **Currency Code:** EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Croatia **Payment Context** - **Swift BIC Country Code: **HR - **Method:** International - **Currency Code:** EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Cyprus **Payment Context** - **Swift BIC Country Code: **CY - **Method:** International - **Currency Code:** EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Estonia **Payment Context** - **Swift BIC Country Code: **EE - **Method:** International - **Currency Code:** EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Finland **Payment Context** - **Swift BIC Country Code: **FI - **Method:** International - **Currency Code:** EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### France **Payment Context** - **Swift BIC Country Code: **FR - **Method:** International - **Currency Code:** EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Germany **Payment Context** - **Swift BIC Country Code: **DE - **Method:** International - **Currency Code:** EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Greece **Payment Context** - **Swift BIC Country Code: **GR - **Method:** International - **Currency Code:** EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Ireland **Payment Context** - **Swift BIC Country Code: **IE - **Method:** International - **Currency Code:** EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Italy **Payment Context** - **Swift BIC Country Code: **IT - **Method:** International - **Currency Code:** EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Kosovo **Payment Context** - **Swift BIC Country Code: **XK - **Method:** International - **Currency Code:** EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Latvia **Payment Context** - **Swift BIC Country Code: **LV - **Method:** International - **Currency Code:** EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Lithuania **Payment Context** - **Swift BIC Country Code: **LT - **Method:** International - **Currency Code:** EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Luxembourg **Payment Context** - **Swift BIC Country Code: **LU - **Method:** International - **Currency Code:** EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Malta **Payment Context** - **Swift BIC Country Code: **MT - **Method:** International - **Currency Code:** EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Monaco **Payment Context** - **Swift BIC Country Code: **MC - **Method:** International - **Currency Code:** EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Montenegro **Payment Context** - **Swift BIC Country Code: **ME - **Method:** International - **Currency Code:** EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Netherlands **Payment Context** - **Swift BIC Country Code: **NL - **Method:** International - **Currency Code:** EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Portugal **Payment Context** - **Swift BIC Country Code: **PT - **Method:** International - **Currency Code:** EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### San Marino **Payment Context** - **Swift BIC Country Code: **SM - **Method:** International - **Currency Code:** EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Slovakia **Payment Context** - **Swift BIC Country Code: **SK - **Method:** International - **Currency Code:** EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Slovenia **Payment Context** - **Swift BIC Country Code: **SI - **Method:** International - **Currency Code:** EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Spain **Payment Context** - **Swift BIC Country Code: **ES - **Method:** International - **Currency Code:** EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: :::: ### Vatican City **Payment Context** - **Swift BIC Country Code: **VA - **Method:** International - **Currency Code:** EUR **Requirements** ::::WorkflowBlock :::WorkflowBlockItem **BIC Code** is mandatory. ::: :::WorkflowBlockItem **IBAN** is mandatory. ::: :::WorkflowBlockItem **Purpose of Payment **is required on the Vendor record. ::: ::::