Mambu Payments fully supports the standard list of external organisation identification codes as defined by the ISO 20022 external code sets.

Definition

Objects supporting organization identifications are:

Internal accounts
External accounts
Originating account in payment orders and incoming payments
Receiving account in payment orders and incoming payments
Ultimate originator in payment orders and incoming payments

Mambu Payments attribute	ISO XML tag	Description
`legal_entity_identifier`	`LEI`	Legal entity identifier is a code allocated to a party as described in ISO 17442 "Financial Services - Legal Entity Identifier (LEI)".
`business_identification_code`	`AnyBIC`	Code allocated to a financial or non-financial institution by the ISO 9362 Registration Authority, as described in ISO 9362: 2014 - "Banking - Banking telecommunication messages - Business identifier code (BIC)".
`default_other_identifier_type`	-	Optional attribute that defines the default type/value to use in the others object. Its value must match an existing type in the `others` array.
`others`	`Othr`	Type value array containing a list of organization identifiers according to its Mambu Payments code.

{
  "object": "internal_account",
  
  //Other attributes removed for the sake of clarity
  
  "organization_identification": {
    "legal_entity_identifier": "5493001KJHG78Y4TCF23",
    "business_identification_code": null,
    "default_other_identifier_type": "siren",
    "others": [
      {
        "type": "siren",
        "value": "123456789"
      },
      {
        "type": "siret",
        "value": "123456789123"
      }
    ]
  }
}

{
  "object": "external_account",
  
  //Other attributes removed for the sake of clarity
  
  "organization_identification": {
    "legal_entity_identifier": "5493001KJHG78Y4TCF23",
    "business_identification_code": null,
    "default_other_identifier_type": "siren",
    "others": [
      {
        "type": "siren",
        "value": "123456789"
      },
      {
        "type": "siret",
        "value": "123456789123"
      }
    ]
  }
}

{
  "type": "sepa",
  "direction": "credit",
  "originating_account": {
    "organization_identification": {
      "legal_entity_identifier": "529900T8BM49AURSDO55",
      "business_identification_code": "SOGEFRPP",
      "default_other_identifier_type": "siren",
      "others": [
	      {
	        "type": "siren",
	        "value": "923145171"
        }
      ]
    },
    "account_number": "FR7601234567890627967100010",
    "bank_code": "SOGEFRPP",
    "holder_name": "SoftwareCo"
  },
  "ultimate_originator": {
    "organization_identification": {
      "legal_entity_identifier": "529900T8BM49AURSDO55",
    },
    "holder_name": "SoftwareCo"
  },
  "receiving_account": {
    "organization_identification": {
      "legal_entity_identifier": "529900T8BM49AURSDO55",
      "business_identification_code": "BNPAFRPPXXX",
      "default_other_identifier_type": "siren",
      "others": [
	      {
	        "type": "siren",
	        "value": "923145171"
	      },
	      {
	        "type": "tax_number",
	        "value": "FR12355"
	      }
      ]
    },
    "account_number": "FR7601234567891127967100082",
    "bank_code": "BNPAFRPPXXX",
    "holder_name": "PartnerCo"
  },
  "auto_approval": false,
  "amount": 2500,
  "currency": "EUR",
  "reference": "Invoice 1234",
  "connected_account_id": "24e3157c-4942-11ed-b878-0242ac120002"
}

The following identifications can be stored in others:

Mambu Payments attribute	ISO code	Description
`bank_identification`	`BANK`	Unique and unambiguous assignment made by a specific bank or similar financial institution to identify a relationship as defined between the bank and its client.
`central_bank_identification`	`CBID`	A unique identification number assigned by a central bank to identify an organisation
`clearing_house_identification`	`CHID`	A unique identification number assigned by a clearing house to identify an organisation.
`company_incorporation_number`	`CINC`	A unique identification number assigned by a designated authority to a certificate of incorporation and used to identify an organisation.
`company_identification`	`COID`	Country authority given organisation identification (e.g., corporate registration number).
`customer_number`	`CUST`	Number assigned by an issuer to identify a customer. Number assigned by a party to identify a creditor or debtor relationship.
`duns_number`	`DUNS`	A unique identification number provided by Dun & Bradstreet to identify an organisation.
`employee_number`	`EMPL`	Number assigned by a registration authority to an employer.
`global_location_number`	`GS1G`	Global location number. A non-significant reference number used to identify legal entities, functional entities, or physical entities according to GS1 numbering scheme rules.The number is used to retrieve detailed information that is linked to it.
`siren`	`SREN`	The SIREN number is a 9 digit code assigned by INSEE, the French National Institute for Statistics and Economic Studies, to identify an organisation in France.
`siret`	`SRET`	The SIRET number is a 14 digit code assigned by INSEE, the French National Institute for Statistics and Economic Studies, to identify an organisation unit in France. It consists of the SIREN number, followed by a five digit classification number, to identify the local geographical unit of that entity.
`tax_number`	`TXID`	Number assigned by a tax authority to identify an organisation.
`business_domain_identification`	`BDID`	Identifier of the business domain in which the organisation is active.
`other_identification`	`BOID`	Other identification of the organisation.

Organization identification in payment orders

Valuing rules

All attributes of organization_identification are optional, with some exceptions listed below.

CHAPS payments

For CHAPS payments, legal_entity_identifier for the originator's account organization identification is mandatory since May 1st 2025, as per the Bank of England regulations.

SEPA payments

SEPA payments only allow one occurrence of other organization identification in addition to legal entity identifier and business identification code.

To achieve this, the default_other_identifier attribute identifies which element in the others array should be sent to the bank. If this attribute is null or invalid, then the SEPA Othr tag will not be populated.

Ultimate originator

In payment orders, ultimate_originator.organization_identification has a legacy definition with bank_code and other (string).

There will be a migration phase where these 2 attributes will still be allowed in the new definition of organization_identification but will be deprecated later on.

"organization_identification": {
  "bank_code": string | null,
  "other": string | null
}

"organization_identification": {
  "bank_code": string | null,
  "other": string | null,
  "legal_entity_identifier": string | null,  
  "business_identification_code": string | null,  
  "default_other_identifier_type": string | null,  
  "others": [  
    {  
       "type": string,  
        "value": string  
     }  
   ]  
}

"organization_identification": {  
  "legal_entity_identifier": string | null,  
  "business_identification_code": string | null,  
  "default_other_identifier_type": string | null,  
  "others": [  
    {  
       "type": string,  
        "value": string  
     }  
   ]  
}

During the migration phase, the rules will be:

If business_identification_code is defined, then it will take precedence over bank_code. Otherwise, if only bank_code is defined, its value will be copied to business_identification_code
If others array has at least one element, then it will take precedence over other as a string. Otherwise, if only other as a string is defined, then it will be copied to the value attribute of an element of the others array with type = unknown