TARESIS Format

The TARESIS format is a specialized Paysera payment file format designed for international transfers with detailed bank and beneficiary information. This format supports correspondent bank details and advanced payment routing.

File Requirements

Basic Specifications

• File extension: .taresis
• Example filename: international.taresis, transfers.taresis
• Encoding: UTF-8
• Field separator: TAB character (#9)
• Row structure: One payment per row
• Currency codes: ISO 4217 standard (EUR, USD, GBP, etc.)

Field Notation

Symbol	Meaning	Example
*	Mandatory field	Must be provided
C	Character/text field	Text or alphanumeric
N	Numeric field	Numbers only
C35	Max 35 characters	Character field with limit
N14	Max 14 digits	Numeric field with limit

Date Format

All dates use YYYYMMDD format:

• YYYY - Four-digit year (e.g., 2023)
• MM - Two-digit month (01-12)
• DD - Two-digit day (01-31)

Example: 20231215 = December 15, 2023

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Key Features

The TARESIS format provides:

✅ Correspondent bank support - Full routing through intermediary banks
✅ Detailed beneficiary information - Multiple address fields (2x35 symbols)
✅ Multiple payment details fields - Up to 4x35 symbols for descriptions
✅ Fee sharing options - Three different fee allocation methods
✅ SWIFT support - BIC/SWIFT codes for all banks in chain
✅ Notification options - Telex and phone notification support

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Field Specification

The TARESIS format consists of 40 fields, separated by TAB characters.

1-4: Payment Identification

Row	Field Name	Size	Required	Description
1	Number	C10	✅	Unique payment number/identifier
2	Date	C8		Payment date (YYYYMMDD)
3	Transaction date	N6		Execution date (YYYYMMDD)
4	Payment type	N1	✅	1 = Standard 2 = Urgent 3 = Extra urgent

5-7: Currency and Amount

Row	Field Name	Size	Required	Description
5	Currency code	C3	✅	ISO 4217 code (EUR, USD, etc.)
6	Debit currency	C3		Invalid for Internet banking
7	Amount	N14	✅	Amount in cents (no decimals) 50.25 EUR = 5025

8-9: Payer Information

Row	Field Name	Size	Required	Description
8	Payer's account	C35	✅	Payer's account number
9	BIC of credit institution	C11		Issuer of payment order

10-15: Correspondent Bank Information

Row	Field Name	Size	Required	Description
10	Correspondent bank SWIFT	C11		SWIFT code (8 or 11 characters, uppercase)
11	Beneficiary's account with correspondent	C34		Account at correspondent bank
12	Correspondent bank name 1	C35		Bank name (field 1 of 2)
13	Correspondent bank name 2	C35		Bank name (field 2 of 2)
14	Correspondent bank address 1	C35		Bank address (field 1 of 2)
15	Correspondent bank address 2	C35		Bank address (field 2 of 2)

16-21: Beneficiary's Bank Information

Row	Field Name	Size	Required	Description
16	Beneficiary's bank SWIFT	C11		SWIFT code (8 or 11 characters, uppercase)
17	Beneficiary's bank code	C34		Bank code
18	Beneficiary's bank name 1	C35	✅	Bank name (field 1 of 2)
19	Beneficiary's bank name 2	C35		Bank name (field 2 of 2)
20	Beneficiary's bank address 1	C35		Bank address (field 1 of 2)
21	Beneficiary's bank address 2	C35		Bank address (field 2 of 2)

22-26: Beneficiary Information

Row	Field Name	Size	Required	Description
22	Beneficiary's account	C35	✅	Account number
23	Beneficiary's name 1	C35	✅	Name (field 1 of 2)
24	Beneficiary's name 2	C35		Name (field 2 of 2)
25	Beneficiary's address 1	C35	✅	Address (field 1 of 2)
26	Beneficiary's address 2	C35		Address (field 2 of 2)

27-30: Payment Details

Row	Field Name	Size	Required	Description
27	Payment details 1	C35		Payment description (field 1 of 4)
28	Payment details 2	C35		Payment description (field 2 of 4)
29	Payment details 3	C35		Payment description (field 3 of 4)
30	Payment details 4	C35		Payment description (field 4 of 4)

31-36: Fee and Notification Settings

Row	Field Name	Size	Required	Description
31	Foreign bank fees	C1	✅	1 = Only payer 2 = Payer and beneficiary 3 = Only beneficiary
32	Inform by telex	C1		0 = Don't inform 1 = Inform
33	Inform by phone	C1		0 = Don't inform 1 = Inform
34	Phone number	C20		For information purposes
35	Commission account	C20	✅	Account for commission fees
36	Commission currency	C3	✅	Currency code for fees

37-40: Intermediary Bank (Not for Internet Banking)

Row	Field Name	Size	Required	Description
37	Intermediary SWIFT	C11		Invalid for Internet banking
38	Intermediary name	C70		Invalid for Internet banking
39	Intermediary name	C35		Invalid for Internet banking
40	Archive code	C50		Invalid for Internet banking

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Examples

Example 1: Simple International Transfer (USD)

File Content

PAY001		20231215	1	USD		100000	LT123456789012345678			CITI Bank	New York	CHASUS33			Beneficiary Bank	123 Wall St		US123456789012345678	John Smith		456 Main Street		Payment for services				1			LT987654321098765432	EUR

Explanation

Basic fields:

• Payment ID: PAY001
• Date: 2023-12-15
• Priority: 1 (Standard)
• Currency: USD
• Amount: 100000 cents = $1,000.00

Beneficiary:

• Account: US123456789012345678
• Name: John Smith
• Address: 456 Main Street

Fees:

• Option 1: Only payer pays fees

Result: Transfer of $1,000.00 to John Smith in USA

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Example 2: Transfer with Correspondent Bank

File Content

PAY002		20231215	2	EUR		250000	LT123456789012345678		CHASUS33	CH9876543210	CITI Correspondent	New York Branch	Wall Street 100	NY 10005	BNPAFRPP	FR7630004000031234567890143	BNP Paribas		La Defense 16	Paris	FR76123456789012345678	Marie Dubois	Société ABC	15 Avenue Champs	75008 Paris	Invoice 2023/123	Consulting services	December 2023		2			LT111111111111111111	EUR

Explanation

Correspondent bank routing:

• Correspondent SWIFT: CHASUS33 (Citibank)
• Correspondent account: CH9876543210
• Final bank: BNPAFRPP (BNP Paribas, France)

Payment details (4 fields):

1. "Invoice 2023/123"
2. "Consulting services"
3. "December 2023"
4. (empty)

Fees:

• Option 2: Payer and beneficiary share fees

Result: EUR transfer routed through correspondent bank to France

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Example 3: Urgent Transfer with Notifications

File Content

PAY003		20231215	3	GBP		500000	LT123456789012345678		BARCGB22			Barclays Bank	London Branch	1 Churchill Place		GB12BARC20201530093459	James Williams	Williams Ltd	10 Downing Street	London SW1A	Urgent payment	Contract payment			3	1	1	+447123456789	LT222222222222222222	GBP

Explanation

Priority:

• Type 3: Extra urgent

Notifications:

• Telex: 1 (Yes, inform)
• Phone: 1 (Yes, inform)
• Phone number: +447123456789

Fees:

• Option 3: Only beneficiary pays fees

Beneficiary:

• Account: GB12BARC20201530093459
• Name: James Williams, Williams Ltd (2 name fields)
• Address: 10 Downing Street, London SW1A (2 address fields)

Result: Extra urgent GBP transfer with phone/telex notifications

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Fee Allocation Options

Option 1: Only Payer Pays (OUR)

31st field: 1

• Payer pays all fees (sending + receiving + intermediary)
• Beneficiary receives exact amount
• Use case: When you want beneficiary to receive full amount

Option 2: Payer and Beneficiary Share (SHA)

31st field: 2

• Payer pays sending fees
• Beneficiary pays receiving fees
• Use case: Most common option for international transfers

Option 3: Only Beneficiary Pays (BEN)

31st field: 3

• Payer pays nothing
• Beneficiary pays all fees (deducted from received amount)
• Use case: Rare, usually for specific arrangements

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Creating a TARESIS File

Step 1: Prepare Bank Information

Collect all SWIFT/BIC codes:

• ✅ Beneficiary's bank SWIFT (field 16)
• ✅ Correspondent bank SWIFT (if needed, field 10)
• ✅ Bank names and addresses (fields 18-21)

Step 2: Format Amount

Convert to cents:

• $1,000.00 → 100000
• €2,345.67 → 234567

Step 3: Split Multi-Line Fields

Name fields (2x35):

"John Smith Corporation Ltd" →
Field 23: "John Smith Corporation Ltd"
Field 24: (empty or continuation)

Address fields (2x35):

"123 Main Street, Suite 456, New York, NY 10001" →
Field 25: "123 Main Street, Suite 456"
Field 26: "New York, NY 10001"

Payment details (4x35):

"Invoice INV-2023-001 for consulting services provided in December 2023" →
Field 27: "Invoice INV-2023-001 for consulting"
Field 28: "services provided in December 2023"
Field 29-30: (empty)

Step 4: Structure the File

Use TAB separator between all 40 fields:

[Field1][TAB][Field2][TAB]...[TAB][Field40]

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TARESIS vs MOKESIS

Feature	TARESIS	MOKESIS
Fields	40 fields	31 fields
Best for	International transfers	All transfers
Correspondent bank	✅ Full support	❌ No support
Payment details	4x35 characters	1x300 characters
Beneficiary info	2x35 fields each	Single fields
Fee options	3 options	Limited
SWIFT support	Full (multiple banks)	Basic
Complexity	Higher	Lower
Use case	Complex international	General purpose

Recommendation: Use TARESIS for complex international transfers with correspondent banks. Use MOKESIS for simpler transfers.

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Common Errors and Solutions

❌ Error: "Invalid SWIFT code"

Cause: SWIFT code not in correct format
Solution: Use 8 or 11 uppercase characters (e.g., CHASUS33 or CHASUS33XXX)

❌ Error: "Text exceeds 35 characters"

Cause: Single field too long
Solution: Split text across two fields (e.g., name1 and name2)

❌ Error: "Missing required bank information"

Cause: Beneficiary bank name missing (field 18)
Solution: Provide at least field 18

❌ Error: "Invalid fee option"

Cause: Field 31 not 1, 2, or 3
Solution: Use only: 1 (payer), 2 (shared), or 3 (beneficiary)

❌ Error: "Invalid amount format"

Cause: Amount contains decimal point
Solution: Use cents only - 100000 instead of 1000.00

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Best Practices

✅ DO

• Use SWIFT codes for all international banks
• Split long text across multiple fields
• Provide complete beneficiary address
• Specify correspondent bank if required
• Use uppercase for SWIFT codes
• Keep commission account updated

❌ DON'T

• Leave mandatory fields empty
• Exceed 35-character limits
• Use lowercase SWIFT codes
• Mix currencies incorrectly
• Forget to specify fee option
• Use spaces instead of TABs

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When to Use TARESIS

TARESIS is ideal for:

✅ International transfers with correspondent banks
✅ Complex payment routing
✅ Transfers requiring detailed bank information
✅ Payments with specific fee arrangements
✅ Transfers needing notifications (telex/phone)

Use MOKESIS instead for:

• Simple domestic transfers
• Standard SEPA payments
• When correspondent bank not needed
• Simpler payment descriptions

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Next Steps

• MOKESIS Format → - Simpler alternative format
• XLS Format → - Excel-based format
• View all formats → - Return to overview

Support

Need help with TARESIS format?

• 📧 Email: support@paysera.com
• 📞 Phone: Contact Information