Inbound Payments
his guide covers the implementation steps required to receive inbound Real-Time Clearing (RTC) and PayShap payments.
Before You Start
Make sure you have done the following:
- Exchanged endpoint details with Electrum and configured these as required.
- Received and configured your OAuth credentials from Electrum.
- Updated the account mirror (if using Electrum for account mirroring).
- Performed a health check to verify that the server is available.
The diagram below shows the full message flow for inbound RTC and PayShap. See more details about each payment leg in the pages below.
Important
PayShap payments follow the full message flow as shown below — both identifier determination and clearing phases.
RTC payments follow only the clearing phase of the message flow as shown below.
Inbound PayShap Identifier Determination
It is mandatory that all banks implement the identifier determination step for PayShap payments. This step enables the processing of proxy resolution or account resolution in the cases of proxy-based or account-based inbound payments, respectively.
