Remittance (6010/6110)
Use this message to transfer funds for customer refunds, partner settlement, or other payouts.
Message Information
| Item | Request | Response |
|---|---|---|
| Transaction type | 6010 | 6110 |
| Direction | Client institution → Bank | Bank → Client institution |
| Request date | Current date only | - |
Client Institution
Hecto Financial
Bank
11. Remittance request (6010)
1. Remittance request (6010)
22. Forward remittance
2. Forward remittance
33. Remittance response (6110)
3. Remittance response (6110)
44. Return remittance result
4. Return remittance result
Contract Models
| Model | Description |
|---|---|
| Direct bank contract | The client institution contracts directly with a bank and Hecto Financial relays each transaction. |
| Resale | The client pre-funds an account designated by Hecto Financial and remits only within the available balance. |
Holder-name inquiry 2001 is optional before a remittance.
Common-Header Request Values
| Field | MODE | Length | Value |
|---|---|---|---|
| Transaction type | N | 4 | 6010 |
| Direction | N | 1 | 3 |
| Transaction date | N | 8 | Current YYYYMMDD |
| Opening-bank code | AN | 2 | Contracted remittance bank |
| Transaction number | AN | 7 | SPACE or 0000000; populated in the response |
| Bank code | AN | 3 | Three-digit code for the contracted bank |
| User transaction number | N | 7 | Daily unique number generated by the client |
| Origin | AN | 1 | O |
| Delivery mode | A | 1 | Y |
Do Not Reuse a User Transaction Number
Generate a daily unique user transaction number and retain it until the result is final. Use the original number when resolving a timeout.
Individual Body
| No. | Field | MODE | Length | Offset | Request | Response | Description |
|---|---|---|---|---|---|---|---|
| 1 | Common header | - | 70 | 0 | ● | ○ | Common Header |
| 2 | Credit account | AN | 16 | 70 | ● | ○ | Destination account number |
| 3 | Credit memo | AN | 20 | 86 | ● | ○ | Memo displayed on the destination account |
| 4 | Credit bank | AN | 2 | 106 | ● | ○ | Destination two-digit bank code |
| 5 | Credit bank branch | AN | 4 | 108 | - | - | Branch code or SPACE |
| 6 | Amount | N | 13 | 112 | ● | ○ | Remittance amount |
| 7 | Remitter name | AN | 20 | 125 | ● | ○ | Client name or sender name |
| 8 | Reserved/balance | N | 13 | 145 | ● | ○ | Zero-filled in request; available balance when supported |
| 9 | CMS_CD | AN | 15 | 158 | ● | ○ | Optional customer identifier |
| 10 | Filler | AN | 14 | 173 | ● | ○ | SPACE |
| 11 | Bank code | AN | 3 | 187 | ● | ○ | Destination three-digit bank code |
| 12 | Filler | AN | 10 | 190 | ● | ○ | SPACE |
The available-balance response may not be supplied for resale remittance and some NongHyup integrations.
Text Values
- Some banks do not support English in the credit memo or remitter name; Korean or digits are recommended.
- Fill an unknown branch with SPACE.
- Fill unused
CMS_CDaccording to the contracted default. - Encode each field before enforcing its byte length.
Example Values
| Field | Example |
|---|---|
| Credit account | 86010018815 followed by SPACE padding |
| Credit memo | 환불 followed by SPACE padding |
| Credit bank | 23 |
| Amount | 0000000000100 |
| Remitter name | 헥토파이낸셜 followed by SPACE padding |
| Reserved/balance | 0000000000000 |
| Bank code | 023 |
Timeout Resolution
VTIM or V311 means the bank result was not received. It is not a confirmed failure.
- Retain the original request and user transaction number.
- On the same day, resend the identical message.
- Use the response to determine the original result.
- If unresolved by the end of the business window, contact Hecto Financial operations.
Do Not Create a New Remittance After a Timeout
A second request with a new user transaction number may succeed in addition to the original. Resolve the original transaction by resending the same message.
Common Error Codes
| Code | Meaning | Check |
|---|---|---|
VTIM | Timeout | Resolve using the same message on the same day |
V311 | Timeout | Resolve using the same message on the same day |
V307 | Invalid account format | Account length and padding |
V309 | Duplicate-remittance prevention | Same-day same-account and same-amount transaction |
V142 | Institution not opened | Retry once, then contact support if repeated |
V606 | Original details differ | Compare account and amount for the same user transaction |
VDBE | Database system failure | Temporary system failure |
V604 | Original account mismatch | Verify the destination account |
U201 | Debit account not registered | Parent debit-account setup |
V210 | Invalid transaction date | Must be the current date |
V413 | Other recipient restriction | Destination account state |
V901 | Insufficient balance | Deposit or available remittance balance |
Operational Notes
- The recommended remittance window is
01:00–23:00. - New requests and timeout recovery may fail more often near a bank's cutoff.
- Receive a response before sending the next remittance request.
- A resale remittance fails when the deposit balance is insufficient.
Need technical support?
Code Samples
HectoFinancial GitHub