Your existing SFTP connection and file exchange process will remain unchanged throughout the migration. Files will continue to use the same formats and be delivered to and received from the same folders.

The main change is that your entities and accounts will have new Corpay identifiers, as outlined in the relevant reporting and payments guidance below.

SFTP Reporting

Your CAMT.053 files will continue to be delivered to the same folder, at the same time.

What remains the same

SFTP connection will remain unchanged.
CAMT.053 files will continue to be delivered to the same folder.
Files will continue to be delivered at the same time.
File format will remain unchanged.

What you need to change

Your entities and accounts will have new Corpay identifiers.

We will provide the new identifiers and you will need to update your systems to recognise the new entity and account identifiers included in the CAMT.053 files.

✅
No changes are required to your SFTP connection, folder structure or file-processing process.

SFTP Payments

What remains the same

SFTP connection will remain unchanged.
PAIN.001 files will be submitted to the same folder.
PAIN.002 response files will be delivered to the same folder.
File formats and processing schedules will remain unchanged.

What you need to change

Your paying account and related entities will have new Corpay identifiers. We will provide these and you will need to update your payment process to use the new identifiers.

⚠️
Corpay’s beneficiary validation rules differ from Alpha’s. Beneficiary data must therefore meet Corpay’s validation requirements for payments to be accepted.

Beneficiaries

You will need to provide the beneficiary and beneficiary bank details using separate address fields.

The XML tags below identify the relevant fields in your file.

1. Your paying account

Field: DbtrAcct / Id / Othr / Id

Use your new Corpay account ID. You will have a separate account ID for each currency.

Do not use your old RM ID, such as CA-0022927.

Field: DbtrAcct / Ccy

Use the currency of the Corpay account you are paying from, for example GBP, EUR, USD or CAD.

Example:

<DbtrAcct>
  <Id>
    <Othr>
      <Id>610325577000011004</Id>
    </Othr>
  </Id>
  <Ccy>GBP</Ccy>
</DbtrAcct>

Your new account IDs will be provided to you. Use the ID that matches the currency of the payment.

2. Beneficiary details

RM often accepted a beneficiary name and IBAN, or a single free-text address. Corpay requires the beneficiary’s name and address to be provided in separate fields under Cdtr.

XML field	Description	Requirement
`Cdtr / Nm`	Beneficiary name	Required
`Cdtr / PstlAdr / StrtNm`	Street	Required
`Cdtr / PstlAdr / TwnNm`	City	Required
`Cdtr / PstlAdr / Ctry`	Country, such as `GB`, `DE` or `US`	Required
`Cdtr / PstlAdr / PstCd`	Postcode	Required for the US and Canada
`Cdtr / PstlAdr / CtrySubDvsn`	State or province	Required for the US and Canada

Do not place the complete address in AdrLine while leaving the city or country fields empty. The city, using TwnNm, and country, using Ctry, must be provided as separate fields.

3. Beneficiary bank details

RM often only required a BIC. Corpay also requires the beneficiary bank’s name and address under CdtrAgt / FinInstnId.

XML field	Description	Requirement
`Nm`	Bank name	Required
`BIC` or `BICFI`	SWIFT/BIC	Always provide where available
`PstlAdr / StrtNm`	Bank street	Required
`PstlAdr / TwnNm`	Bank city	Required
`PstlAdr / Ctry`	Bank country	Required
`PstlAdr / PstCd`	Bank postcode	Required for the US and Canada
`PstlAdr / CtrySubDvsn`	Bank state or province	Required for the US and Canada

The bank country must be the country where the beneficiary’s bank is located. It does not necessarily need to be the beneficiary’s country.

4. Beneficiary account details

Provide the beneficiary’s account details under CdtrAcct.

Send either an IBAN or a local account number with the required routing information. Do not send both for the same payment.

Europe and other IBAN countries

For payments to IBAN countries, such as Germany, France and Ireland:

CdtrAcct / Id / IBAN

Use the beneficiary’s IBAN.

A local account number without an IBAN will fail for these payment corridors.

UK pounds — GB-GBP

Choose one of the following options:

Option 1: GB IBAN

CdtrAcct / Id / IBAN

Option 2: UK local account details

CdtrAcct / Id / Othr / Id

Use the 8-digit account number.

Also provide:

CdtrAgt / FinInstnId / ClrSysMmbId / MmbId

Use the 6-digit sort code.

United States — USD to a US bank

Provide:

CdtrAcct / Id / Othr / Id

Use the beneficiary’s account number.

Also provide:

CdtrAgt / FinInstnId / ClrSysMmbId / MmbId

Use the 9-digit ABA routing number.

Canada

Provide:

CdtrAcct / Id / Othr / Id

Use the beneficiary’s account number.

Also provide:

CdtrAgt / FinInstnId / ClrSysMmbId / MmbId

Use the 9-digit routing number.

For payments to Canada, provide the postcode and province for both the beneficiary and the beneficiary’s bank.

Australia — AUD

Provide:

CdtrAcct / Id / Othr / Id

Use the beneficiary’s account number.

Also provide:

CdtrAgt / FinInstnId / ClrSysMmbId / MmbId

Use the 6-digit BSB.

5. Fields unchanged from RM

The following fields remain unchanged:

Payment information	XML field
Amount and currency	`Amt / InstdAmt`
Payment date	`ReqdExctnDt`
Your reference	`RmtInf / Ustrd`
End-to-end ID	`PmtId / EndToEndId`
Purpose of payment, if already provided	`Purp`

Checklist

Before submitting a pain.001 file, confirm that:

DbtrAcct contains your new Corpay account ID, not your old CA-... RM ID.
DbtrAcct / Ccy matches the currency of the Corpay account.
Cdtr contains the beneficiary name, street, city and country.
CdtrAgt contains the bank name, street, city, country and BIC.
CdtrAcct contains either an IBAN or a local account number with the required routing, sort code or BSB.
For payments to the US and Canada, the postcode and state or province are provided for both the beneficiary and the beneficiary’s bank.