Charges Requests

The charges family: MT191 and MT291 requests for payment of charges to and from camt.106, with the :71B: charge codewords.

Formats

Format	What it is	Versions accepted	Emitted by default
`mt191`	Request for payment of charges, interest and other expenses (customer side)	n/a	n/a
`mt291`	The same request between financial institutions	n/a	n/a
`camt.106`	Charges payment request	`.001.02`	`.001.02`

Pairs

From	To
`mt191`, `mt291`	`camt.106`
`camt.106`	`mt191`, `mt291`

A charges request is its own family: it never converts to a payment, a statement, a notice or an investigation, and mt191 → mt291 is not a pair. There is no canonical source.

How fields map

The canonical model is one charges request: the claimed total, the individual charges, the institutions involved and a reference to the payment the charges relate to.

MT191/MT291 to camt.106.

:20: becomes the message id; :21: (the reference of the original payment) becomes the underlying transaction's message id.
:32B: becomes the requested amount.
:52a: becomes the charges requester; :57a: the charges account agent.
:71B: is read line by line. A coded line with a currency and amount (/COMM/EUR30,00) becomes one charge of that type. Other lines are narrative and become additional information.
:72: becomes the instruction for the instructed agent.

camt.106 to MT191/MT291. :71B: is rebuilt with the coded charges first, then the narrative, at most six lines. The target id (mt191 or mt291) decides the message type.

Document shape. A request with zero or one charge is written as a single record (Sngl). With two or more charges it is grouped by charge type (PerTp), and the group header states the record count and the requested total.

Recognised charge codewords

`:71B:` codeword	Meaning
`BRKF`	Brokerage fee
`CHGS`	Charges, also used for a charge with no type
`COMM`	Commission
`POST`	Postage
`STMP`	Stamp duty
`TELE`	Teletransmission charges

A codeword outside this list, or a coded line without a clean currency and amount, is kept as narrative and flagged.

Where information is lost

Situation	Warning
A `:71B:` codeword or camt.106 charge type with no table row	`CHARGES_DETAIL_UNMAPPED`
camt.106 creation time (MT carries none)	`MISSING_REQUIRED_DEFAULTED`
A charge with no type going to MT; written as `/CHGS/`	`MISSING_REQUIRED_DEFAULTED`
The charges or the stated total do not agree with the requested amount	`AMOUNT_MISMATCH`
Several camt.106 records aggregated: only the first record's references are kept	`DROP_FIELD`
camt.106 elements with no canonical slot (record ids, value date, debtor agent, …)	`DROP_FIELD`
UETR going to MT (no field)	`DROP_FIELD`
`:71B:` or `:72:` beyond six lines; camt.106 text beyond 140 characters	`TRUNC_REMITTANCE`

Conventions

Amounts are never invented. When camt.106 states no total, the requested amount is the exact sum of the charges, and only when they share one currency.
Narrative is not loss. A :71B: line that is plain text is carried as narrative without a warning.
Sibling detection. A bare MT291 detects as mt191; send the FIN envelope or from=mt291 to keep the type.

Example

curl -sS -X POST "https://api.transmute.403fin.io/v1/convert?to=camt.106" \
  -H "Authorization: Bearer $TRANSMUTE_KEY" \
  -H "Content-Type: text/plain" \
  --data-binary @- <<'MT'
:20:CHG-2026-0001
:21:PAY-2026-0001
:32B:EUR45,50
:52A:AAAADEFF
:57A:BBBBDEFF
:71B:/COMM/EUR30,00
/POST/EUR15,50
:72:/ACC/CHARGES FOR PAY-2026-0001
MT

The result document, formatted:

<GrpHdr>
  <MsgId>CHG-2026-0001</MsgId>
  <ChrgsRqstr><FinInstnId><BICFI>AAAADEFF</BICFI></FinInstnId></ChrgsRqstr>
  <TtlChrgs><NbOfChrgsRcrds>2</NbOfChrgsRcrds><TtlChrgsAmt Ccy="EUR">45.50</TtlChrgsAmt></TtlChrgs>
  <ChrgsAcctAgt><FinInstnId><BICFI>BBBBDEFF</BICFI></FinInstnId></ChrgsAcctAgt>
</GrpHdr>
<Chrgs>
  <PerTp>
    <Tp><Cd>COMM</Cd></Tp>
    <Rcrd>
      <UndrlygTx><MsgId>PAY-2026-0001</MsgId></UndrlygTx>
      <Amt Ccy="EUR">30.00</Amt>
      <InstrForInstdAgt><InstrInf>/ACC/CHARGES FOR PAY-2026-0001</InstrInf></InstrForInstdAgt>
    </Rcrd>
  </PerTp>
  <PerTp>
    <Tp><Cd>POST</Cd></Tp>
    <Rcrd><UndrlygTx><MsgId>PAY-2026-0001</MsgId></UndrlygTx><Amt Ccy="EUR">15.50</Amt></Rcrd>
  </PerTp>
</Chrgs>

The only warning is MISSING_REQUIRED_DEFAULTED (info) for GrpHdr/CreDtTm; meta.targetType is camt.106.001.02.

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