Field 70 on an MT103 carries the remittance information — the free-format text that tells the beneficiary what the payment is for. Invoice numbers, customer references, payment narrative.
The format is up to 4 lines of 35 characters. Best practice is to begin each line with a structured tag like /INV/12345 or /RFB/ABC-001 so the beneficiary's ERP can auto-reconcile the payment.
In ISO 20022 pacs.008 the remittance information is much richer — structured invoice references, document types, even URLs to invoices.
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