Outbound PayShap Negative Flows
Negative or failed transactions will contain a code and message detailing the reason for the failure. You can search for and investigate specific failed messages from the Electrum Console or Kibana dashboards.
This page provides an overview of common reason codes you may encounter.
Proxy Resolution Negative Flows
No Response from Electrum (Timeout at Bank)
If you do not receive a proxy resolution response from Electrum, then inform the payer of the failed transaction. You may reattempt the transaction.
No Response from BankservAfrica
If Electrum does not receive a response from BankservAfrica, Electrum will retry the proxyResolutionRequest to BankservAfrica. If Electrum still does not receive a response, Electrum will send a negative outboundIdentifierDeterminationResponse message to you with the relevant error code to inform you of the failed transaction.You may reattempt the transaction. No further message processing is required.
Negative Response from BankservAfrica
If Electrum receives a negative proxyResolutionResponse from BankservAfrica, then Electrum will return a negative outboundIdentifierDeterminationResponse to you, with the relevant error code. No further message processing is required.
Clearing Negative Flows
No Response from BankservAfrica
If Electrum does not receive a paymentStatusReport from BankservAfrica after a specified time period, then Electrum will send paymentStatusRequest messages to BankservAfrica until BankservAfrica returns a positive or negative response. Electrum then sends a corresponding positive or negative outboundCreditTransferResponse (PaymentStatusReport schema) with the relevant status to you.
Note: If Electrum does not receive a response from BankservAfrica even sending after multiple paymentStatusRequest messages, then alerts will be raised internally for manual investigation. The paymentStatusRequest messages will continue until Electrum receives a response from BankservAfrica.
No HTTP Acknowledgement from BankservAfrica
If Electrum does not receive an acknowledgement or negative acknowledgement from BankservAfrica in response to a creditTransferRequest, then Electrum will retry the message. If Electrum still does not receive a response, then Electrum will send paymentStatusRequest messages to BankservAfrica until BankservAfrica returns a positive or negative response. Electrum then sends a corresponding positive or negative outboundCreditTransferResponse (PaymentStatusReport schema) with the relevant status to you.
Note: If Electrum does not receive a response from BankservAfrica even after sending multiple paymentStatusRequest messages,then alerts will be raised internally for manual investigation. The paymentStatusRequest messages will continue until Electrum receives a response from BankservAfrica.
Negative Response from BankservAfrica
If BankservAfrica responds with a negative paymentStatusReport, then Electrum will forward a negative outboundCreditTransferResponse with a REJECTED status and the relevant reason code to notify you of the failed transaction.
Technical Error at Electrum
If a technical error occurs at Electrum after Electrum receives a technically invalid outboundCreditTransfer, Electrum will send a non-retryable negative acknowledgement to you. No further message processing is required for a technically invalid outboundCreditTransfer. You may resubmit a technically valid request.
If you submit a duplicate outboundCreditTransfer message to Electrum, Electrum will return a negative acknowledgement to the duplicate message, as described above. A duplicate message is one that has the same UETR value as a previously submitted message.
Functional Error at Electrum
If a functional error occurs at Electrum after Electrum receives a functionally invalid outboundCreditTransfer, Electrum will send a negative outboundCreditTransferResponse to you with the relevant status code. No further message processing is required for a functionally invalid outboundCreditTransfer.
Examples of functional errors are:
- The creditor account number fails CDV by Electrum.
- The payment amount exceeds the industry scheme limits.
If a system error occurs at Electrum after Electrum receives a valid outboundCreditTransfer, then Electrum will send a negative outboundCreditTransferResponse to you, with the relevant status code.
Timeout at Electrum (No HTTP Acknowledgement in Response to outboundCreditTransferResponse)
If Electrum does not receive an acknowledgement or negative acknowledgement from you in response to an outboundCreditTransferResponse, then Electrum will continue to send the message via a SAF queue. If Electrum still does not receive an HTTP response, and the message remains stuck in a SAF queue, then alerts will be raised internally for manual investigation.
Negative Acknowledgement from Bank
If Electrum receives a negative acknowledgement (NACK, HTTP 5xx or retryable HTTP 4xx) from you in response to an outboundCreditTransferResponse, then Electrum will continue to send the message to you via a SAF queue. If Electrum still does not receive an acknowledgement (ACK, HTTP 202) and the message remains stuck in a SAF queue, or if Electrum receives a non-retryable HTTP 4xx response code, then alerts will be raised internally for manual investigation.
