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Throughout this document, the term 'Ordering Customer' refers to either an Ordering Customer, or a Payer or Agent acting on behalf of the Ordering Customer; likewise the term 'Beneficiary' refers to either a Beneficiary, or a Payee or Agent acting on behalf of the Beneficiary. with  p44+ ?+?TAG: FINPAY  p484NAME: Multiple Interbank Funds Transfer message  p44DOCUMENT: TRADE/WP.4/CRP.62 FUNCTIONAL DESCRIPTION: A Multiple Interbank Funds Transfer message is sent between financial institutions to request the transfer of funds in settlement of the referenced business transaction(s). The FINPAY message my be exchanged directly between financial institutions or through a clearing system. Depending on the account relationship between the financial institutions, the FINPAY may be used as a payment order and/or as a credit advice. The FINPAY may also be used for clean collections and direct debits. ?X` hp x (#%'0*,.8135@8: