A collection is defined as a set of transactions (SDDs, reversals or SCTs) with common characteristics. In other words, all transactions contained within a collection are homogenous on a certain number of criteria, some obligatory, others optional.
SDD collection transactions must be homogeneous on the following criteria:
company SCI;
creation mode;
sequence type;
payment date;
creditor’s account (BIC+IBAN).
Settlement mode
SDD reversal collection transactions must be homogeneous on the following criteria:
initial SDD collection identifier.
SCT collection transactions must be homogeneous on the following criteria:
the transfer debtor, that is to say the company identified at least by name;
the execution date;
the debtor’s account (BIC+IBAN).
Settlement mode
Optional homogeneity criteria may apply depending on configuration (see Appendix G - Optional criteria for collections generation and files generation).
A collection file is defined as a set of collections of the same type issued by a given company and bound for a given bank. A collection file is therefore homogeneous on:
the transaction type (SDD, reversal or SCT);
the mandate type (Core/B2B) if applicable;
the beneficiary bank’s BIC.
Technically, a collection file corresponds to a pain file. A pain.008 file contains SDD collections. A pain.007 file contains reversal collections. A pain.001 file contains SCT collections. They are simply technical envelopes for company collections.