{"id":40660,"date":"2025-04-11T12:53:33","date_gmt":"2025-04-11T10:53:33","guid":{"rendered":"https:\/\/saarlb.de\/message-formats-for-payment-transaction-services\/"},"modified":"2025-07-01T10:28:34","modified_gmt":"2025-07-01T08:28:34","slug":"message-formats-for-payment-transaction-services","status":"publish","type":"page","link":"https:\/\/saarlb.de\/en\/new-message-formats-iso-20022\/message-formats-for-payment-transaction-services\/","title":{"rendered":"Message formats for payment transaction services"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"40660\" class=\"elementor elementor-40660 elementor-40550\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8e73307 elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8e73307\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f3f3d96\" data-id=\"f3f3d96\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4cd50e6\" data-id=\"4cd50e6\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2ca6392 elementor-widget__width-initial elementor-widget elementor-widget-spacer\" data-id=\"2ca6392\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-188fe9 elementor-section-height-min-height elementor-section-items-stretch elementor-section-boxed elementor-section-height-default\" data-id=\"188fe9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-49d28f44\" data-id=\"49d28f44\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-45892bfa elementor-widget elementor-widget-heading\" data-id=\"45892bfa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Message formats for payment transaction services<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29b13cc7 elementor-widget elementor-widget-text-editor\" data-id=\"29b13cc7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The ISO standard 20022 or UNIFI (Universal Financial Industry Message Scheme) for XML (Extensible Markup Language) is the basis for modern payment transaction services and all used SEPA data formats.For smooth commissioning and execution of your payments, we recommend preparing early for the upcoming format changes and the associated system adjustments.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6180d411 elementor-section-height-min-height elementor-section-items-stretch elementor-section-boxed elementor-section-height-default\" data-id=\"6180d411\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2fa42d91\" data-id=\"2fa42d91\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-10c379dc elementor-widget elementor-widget-heading\" data-id=\"10c379dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Overview of format developments and migration requirements: <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c6f2060 elementor-widget elementor-widget-image\" data-id=\"7c6f2060\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/saarlb.de\/wp-content\/uploads\/2025\/04\/Zahlungsformate.pdf\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"233\" src=\"https:\/\/saarlb.de\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-11-125609-1024x298.jpg\" class=\"attachment-large size-large wp-image-40554\" alt=\"\" srcset=\"https:\/\/saarlb.de\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-11-125609-1024x298.jpg 1024w, https:\/\/saarlb.de\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-11-125609-300x87.jpg 300w, https:\/\/saarlb.de\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-11-125609-768x224.jpg 768w, https:\/\/saarlb.de\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-11-125609-1536x447.jpg 1536w, https:\/\/saarlb.de\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-11-125609.jpg 1576w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f15fa34 elementor-widget elementor-widget-text-editor\" data-id=\"2f15fa34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Format specifications and details on current developments can be found at: <a href=\"https:\/\/www.ebics.de\/de\/datenformate\" rel=\"nofollow noopener\" target=\"_blank\">https:\/\/www.ebics.de\/en\/dataformats<\/a>.Sample files illustrating the completion of mandatory fields (some optional elements) as well as implementation aids can be found at: <a href=\"https:\/\/www.ebics.de\/de\/datenformate\/ergaenzende-dokumente\" rel=\"nofollow noopener\" target=\"_blank\">https:\/\/www.ebics.de\/de\/datenformate\/ergaenzende-dokumente<\/a><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-60fc84b5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"60fc84b5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-565dd636\" data-id=\"565dd636\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-373adf59 elementor-widget elementor-widget-toggle\" data-id=\"373adf59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9261\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-9261\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">New requirements for the structure of address details<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9261\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-9261\"><ul>\n<li>Unstructured address details according to ISO version 2009 (i.e., only and (optional) are filled) are only allowed until 11\/2025.<\/li>\n<li>When switching to the new SEPA format (ISO version 2019), we recommend switching directly to the structured address format.<\/li>\n<li>Please refer to the current specification of the data formats (latest version of Appendix 3 of the DF\u00dc [Data Transfer] Agreement) for detailed information.<\/li>\n<\/ul>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9262\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-9262\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Important changes to international payments:<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9262\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-9262\"><ul>\n<li>The traditional DTAZV payment for international payment transactions will be discontinued at the end of October 2026 and replaced by pain.001.001.09. Until this time, both formats for international payments, the old format (DTAZV format) and the new ISO format pain.001.001.09, can be used in parallel.<\/li>\n<li>Extended data requirements and new functionalities can no longer be mapped via the old DTAZV format, therefore we recommend an early switch to the ISO standard 20022.<\/li>\n<li>Technical details and illustration examples for international payments can be found at <a href=\"https:\/\/www.ebics.de\/de\/datenformate\/ergaenzende-dokumente\" rel=\"nofollow noopener\" target=\"_blank\">https:\/\/www.ebics.de\/de\/datenformate\/ergaenzende-dokumente.<\/a><strong><br \/>\n<\/strong><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9263\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-9263\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">How we support you with the transition:<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9263\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-9263\"><ul>\n<li>All EBICS customers and their participants who already use the order type AZV will automatically receive the new order type AXZ for the submission of foreign payments according to the new ISO 20022 standard.<\/li>\n<li>Authorisations on your accounts and participants remain unchanged.<\/li>\n<li>International payments in ISO format pain.001.001.09 can now be submitted to us via the EBICS bank server, provided your financial software is set up for this.<\/li>\n<\/ul>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-61a755ee elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"61a755ee\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6746cd3a\" data-id=\"6746cd3a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-176bfef1 elementor-widget elementor-widget-html\" data-id=\"176bfef1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<input type=\"button\" value=\"<< back\" onclick=\"history.back()\">\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-47913465 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"47913465\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-25484a3c\" data-id=\"25484a3c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-64cabd3d elementor-widget elementor-widget-heading\" data-id=\"64cabd3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Your contact<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1138dab9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1138dab9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-33029c96\" data-id=\"33029c96\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3ef592f0\" data-id=\"3ef592f0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4c51346d elementor-widget elementor-widget-posts\" data-id=\"4c51346d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;full_content_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.full_content\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-full_content elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-32636 kontakte type-kontakte status-publish hentry\" role=\"listitem\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t<div class=\"elementor-post__content\"><style>.elementor-widget-uael-team-member .uael-separator{border-top-color:var( --e-global-color-accent );}.elementor-widget-uael-team-member .uael-team-member-image img{border-color:var( --e-global-color-primary );}.elementor-widget-uael-team-member .uael-team-member-image img:hover{border-color:var( --e-global-color-secondary );}.elementor-widget-uael-team-member .uael-team-name{font-family:var( --e-global-typography-primary-font-family ), Sans-serif;font-weight:var( --e-global-typography-primary-font-weight );color:var( --e-global-color-primary );}.elementor-widget-uael-team-member .uael-team-desig{font-family:var( --e-global-typography-text-font-family ), Sans-serif;font-weight:var( --e-global-typography-text-font-weight );color:var( --e-global-color-secondary );}.elementor-widget-uael-team-member .uael-team-desc{font-family:var( --e-global-typography-text-font-family ), Sans-serif;font-weight:var( --e-global-typography-text-font-weight );color:var( --e-global-color-text );}.elementor-widget-uael-team-member .elementor-social-icon{border-color:var( --e-global-color-primary );}.elementor-widget-uael-team-member .elementor-social-icon:hover{border-color:var( --e-global-color-secondary );}.elementor-32636 .elementor-element.elementor-element-51111fee .uael-team-member-image img{width:250px;border-style:none;}.elementor-32636 .elementor-element.elementor-element-51111fee .uael-separator {width:20%;}.elementor-32636 .elementor-element.elementor-element-51111fee .uael-separator{border-top-width:2px;}.elementor-32636 .elementor-element.elementor-element-51111fee .elementor-social-icon{border-radius:10% 10% 10% 10%;border-style:none;}.elementor-32636 .elementor-element.elementor-element-51111fee .uael-team-name{color:#000000;}.elementor-32636 .elementor-element.elementor-element-51111fee .uael-team-desig{color:#000000;}.elementor-32636 .elementor-element.elementor-element-51111fee .uael-team-desc{color:#000000;}.elementor-32636 .elementor-element.elementor-element-51111fee .elementor-social-icon:not(:hover), .elementor-32636 .elementor-element.elementor-element-51111fee .elementor-social-icon:not(:hover) svg{background-color:#C1BEA6;}.elementor-32636 .elementor-element.elementor-element-51111fee .elementor-social-icon:hover, .elementor-32636 .elementor-element.elementor-element-51111fee .elementor-social-icon:hover svg{background-color:#E95814;}<\/style>\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"32636\" class=\"elementor elementor-32636 elementor-32545 elementor-32545\" data-elementor-post-type=\"kontakte\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1e758b1a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1e758b1a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-27c5e4c8\" data-id=\"27c5e4c8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-51111fee elementor-shape-rounded uael-member-image-pos-above uael-shape-square uael-team-member-align-center elementor-widget elementor-widget-uael-team-member\" data-id=\"51111fee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-team-member.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"uael-team-member\">\n\t\t\t<div class = \"uael-team-member-wrap\">\n\t\t\t\t<div class=\"uael-member-wrap\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-team-member-image\">\n\t\t\t\t\t\t\t<div class=elementor-animation-><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/saarlb.de\/wp-content\/uploads\/2023\/12\/Leonard_xenia-300x200.jpg\" class=\"attachment-medium size-medium wp-image-33559\" alt=\"\" srcset=\"https:\/\/saarlb.de\/wp-content\/uploads\/2023\/12\/Leonard_xenia-300x200.jpg 300w, https:\/\/saarlb.de\/wp-content\/uploads\/2023\/12\/Leonard_xenia-1024x684.jpg 1024w, https:\/\/saarlb.de\/wp-content\/uploads\/2023\/12\/Leonard_xenia-768x513.jpg 768w, https:\/\/saarlb.de\/wp-content\/uploads\/2023\/12\/Leonard_xenia-391x260.jpg 391w, https:\/\/saarlb.de\/wp-content\/uploads\/2023\/12\/Leonard_xenia-1536x1026.jpg 1536w, https:\/\/saarlb.de\/wp-content\/uploads\/2023\/12\/Leonard_xenia-1320x882.jpg 1320w, https:\/\/saarlb.de\/wp-content\/uploads\/2023\/12\/Leonard_xenia.jpg 1920w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-team-member-content\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-team-member-name\">\n\t\t\t\t\t\t<h3 class=\"uael-team-name\">Xenia L\u00e9onard<\/h3>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-team-member-designation\">\n\t\t\t\t\t\t\t<div class=\"uael-team-desig\">Business Payment Services\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-separator-wrapper\">\n\t\t\t<span class=\"uael-separator\"><\/span>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-team-member-desc\">\n\t\t\t\t\t\t\t<div class=\"uael-team-desc\">Fon. +49 681 383-1317<br \/>\r\nxenia.leonard@saarlb.de<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper\">\n\t\t\t\t\t\t\t<div class=\"uael-team-social-icon\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-envelope elementor-animation- elementor-repeater-item-5c34d00\" href=\"mailto:xenia.leonard@saarlb.de\" target=\"_blank\" aria-label=\"Envelope\">\n\t\t\t\t\t\t\t\t\t\t<i class=\"fas fa-envelope\"><\/i>\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-phone-alt elementor-animation- elementor-repeater-item-a73dfc1\" href=\"tel:0049683831317\" target=\"_blank\" aria-label=\"Phone-alt\">\n\t\t\t\t\t\t\t\t\t\t<i class=\"fas fa-phone-alt\"><\/i>\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/div>\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7b71c633\" data-id=\"7b71c633\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-48bff6d5 elementor-widget elementor-widget-posts\" data-id=\"48bff6d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;full_content_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.full_content\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-full_content elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-35647 kontakte type-kontakte status-publish hentry\" role=\"listitem\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t<div class=\"elementor-post__content\"><style>.elementor-widget-uael-team-member .uael-separator{border-top-color:var( --e-global-color-accent );}.elementor-widget-uael-team-member .uael-team-member-image img{border-color:var( --e-global-color-primary );}.elementor-widget-uael-team-member .uael-team-member-image img:hover{border-color:var( --e-global-color-secondary );}.elementor-widget-uael-team-member .uael-team-name{font-family:var( --e-global-typography-primary-font-family ), Sans-serif;font-weight:var( --e-global-typography-primary-font-weight );color:var( --e-global-color-primary );}.elementor-widget-uael-team-member .uael-team-desig{font-family:var( --e-global-typography-text-font-family ), Sans-serif;font-weight:var( --e-global-typography-text-font-weight );color:var( --e-global-color-secondary );}.elementor-widget-uael-team-member .uael-team-desc{font-family:var( --e-global-typography-text-font-family ), Sans-serif;font-weight:var( --e-global-typography-text-font-weight );color:var( --e-global-color-text );}.elementor-widget-uael-team-member .elementor-social-icon{border-color:var( --e-global-color-primary );}.elementor-widget-uael-team-member .elementor-social-icon:hover{border-color:var( --e-global-color-secondary );}.elementor-35647 .elementor-element.elementor-element-5ce23072 .uael-team-member-image img{width:250px;border-style:none;}.elementor-35647 .elementor-element.elementor-element-5ce23072 .uael-separator {width:20%;}.elementor-35647 .elementor-element.elementor-element-5ce23072 .uael-separator{border-top-width:2px;}.elementor-35647 .elementor-element.elementor-element-5ce23072 .elementor-social-icon{border-radius:10% 10% 10% 10%;border-style:none;}.elementor-35647 .elementor-element.elementor-element-5ce23072 .uael-team-name{color:#000000;}.elementor-35647 .elementor-element.elementor-element-5ce23072 .uael-team-desig{color:#000000;}.elementor-35647 .elementor-element.elementor-element-5ce23072 .uael-team-desc{color:#000000;}.elementor-35647 .elementor-element.elementor-element-5ce23072 .elementor-social-icon:not(:hover), .elementor-35647 .elementor-element.elementor-element-5ce23072 .elementor-social-icon:not(:hover) svg{background-color:#C1BEA6;}.elementor-35647 .elementor-element.elementor-element-5ce23072 .elementor-social-icon:hover, .elementor-35647 .elementor-element.elementor-element-5ce23072 .elementor-social-icon:hover svg{background-color:#E95814;}<\/style>\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"35647\" class=\"elementor elementor-35647 elementor-33950 elementor-33950\" data-elementor-post-type=\"kontakte\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3270dd45 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3270dd45\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c276aa2\" data-id=\"c276aa2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ce23072 elementor-shape-rounded uael-member-image-pos-above uael-shape-square uael-team-member-align-center elementor-widget elementor-widget-uael-team-member\" data-id=\"5ce23072\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-team-member.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"uael-team-member\">\n\t\t\t<div class = \"uael-team-member-wrap\">\n\t\t\t\t<div class=\"uael-member-wrap\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-team-member-image\">\n\t\t\t\t\t\t\t<div class=elementor-animation-><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/saarlb.de\/wp-content\/uploads\/2024\/02\/Christine-Bieg_01-300x200.jpg\" class=\"attachment-medium size-medium wp-image-33953\" alt=\"\" srcset=\"https:\/\/saarlb.de\/wp-content\/uploads\/2024\/02\/Christine-Bieg_01-300x200.jpg 300w, https:\/\/saarlb.de\/wp-content\/uploads\/2024\/02\/Christine-Bieg_01-1024x684.jpg 1024w, https:\/\/saarlb.de\/wp-content\/uploads\/2024\/02\/Christine-Bieg_01-768x513.jpg 768w, https:\/\/saarlb.de\/wp-content\/uploads\/2024\/02\/Christine-Bieg_01-391x260.jpg 391w, https:\/\/saarlb.de\/wp-content\/uploads\/2024\/02\/Christine-Bieg_01.jpg 1317w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-team-member-content\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-team-member-name\">\n\t\t\t\t\t\t<h3 class=\"uael-team-name\">Christine Bieg<\/h3>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-team-member-designation\">\n\t\t\t\t\t\t\t<div class=\"uael-team-desig\">Business Payment Services\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-separator-wrapper\">\n\t\t\t<span class=\"uael-separator\"><\/span>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-team-member-desc\">\n\t\t\t\t\t\t\t<div class=\"uael-team-desc\">Fon. +49 681 383-1848<br \/>\r\nchristine.bieg@saarlb.de<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper\">\n\t\t\t\t\t\t\t<div class=\"uael-team-social-icon\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-envelope elementor-animation- elementor-repeater-item-5c34d00\" href=\"mailto:christine.bieg@saarlb.de\" target=\"_blank\" aria-label=\"Envelope\">\n\t\t\t\t\t\t\t\t\t\t<i class=\"fas fa-envelope\"><\/i>\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-phone-alt elementor-animation- elementor-repeater-item-a73dfc1\" href=\"tel:00496813831848\" target=\"_blank\" aria-label=\"Phone-alt\">\n\t\t\t\t\t\t\t\t\t\t<i class=\"fas fa-phone-alt\"><\/i>\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/div>\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-31bd72e\" data-id=\"31bd72e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3ac9b096 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"3ac9b096\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-11fe83e7\" data-id=\"11fe83e7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c959a35 elementor-widget elementor-widget-image\" data-id=\"c959a35\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/saarlb.de\/wp-content\/uploads\/2020\/09\/weitsicht_durch_naehe_titling.jpg\" title=\"\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Message formats for payment transaction services The ISO standard 20022 or UNIFI (Universal Financial Industry Message Scheme) for XML (Extensible Markup Language) is the basis for modern payment transaction services and all used SEPA data formats.For smooth commissioning and execution of your payments, we recommend preparing early for the upcoming format changes and the associated [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":40655,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-40660","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/pages\/40660","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/comments?post=40660"}],"version-history":[{"count":0,"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/pages\/40660\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/pages\/40655"}],"wp:attachment":[{"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/media?parent=40660"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}