RTC Outbound Success

This section describes the expected message flow and Electrum Console view for an outbound RTC transaction.

1. You initiate an RTC transaction by sending an outboundCreditTransfer message (CreditTransfer schema), including the payee account number, to Electrum. Electrum returns an acknowledgement (ACK, HTTP 200) to you.

2. Electrum performs in-line CDV to confirm that the creditor account number included in the RTC request is valid.

3. Optional step: After successful CDV, Electrum sends an asynchronous fraudAssessment message (FraudAssessmentRequest schema) to the part of your system that deals with checks for fraudulent activity. You return an acknowledgement (ACK, HTTP 200) to Electrum. You respond to Electrum using the fraudAssessmentResponse operation (FraudAssessmentReport schema) once the transaction has been successfully checked for fraud. Electrum returns an acknowledgement (ACK, HTTP 200) to you.

4. Electrum sends a pacs.008:RtcVerificationRequest message to PayInc and PayInc acknowledges the message.

5. Electrum receives a pacs.002:RtcVerificationResponse from PayInc confirming the RTC transaction can be sent to the receiving bank. Electrum returns an acknowledgement to PayInc.

6. Electrum then initiates the clearing phase by sending a pacs.008:RtcCreditTransferRequest message to PayInc. PayInc returns an acknowledgement.

7. Electrum receives a pacs.002:RtcDeliveryStatusReport from PayInc and acknowledges the message.

8. Electrum informs you that the credit transfer was successful by sending an outboundCreditTransferResponse message (paymentStatusReport schema) with status APPROVED, via SAF queue.

What You Should See in the Electrum Console

The Electrum Console view of the transaction should follow the pattern of the message flow. See the diagram below (in this case the optional fraud assessment step is included). Note that the messages have been labelled 1-16 for clarity here - you will not see this labelling in the Console. The messages involved are listed below the diagram.

To see the trace of any message, click on the Bank/BankservAfrica box or the associated arrow. The trace will appear below the Console diagram. You can view the message or save the message for troubleshooting purposes.

Message 1: CreditTransfer (outboundCreditTransfer operation)

Message 2: Acknowledgement of CreditTransfer

Message 3: FraudAssessmentRequest (fraudAssessment operation)

Message 4: Acknowledgement of FraudAssessmentRequest

Message 5: FraudAssessmentReport (fraudAssessmentResponse operation)

Message 6: Acknowledgement of FraudAssessmentReport

Message 7: pacs.008:RtcVerificationRequest

Message 8: Acknowledgement of pacs.008:RtcVerificationRequest

Message 9: pacs.002:RtcVerificationResponse

Message 10: Acknowledgement of pacs.002:RtcVerificationResponse

Message 11: pacs.008:RtcCreditTransferRequest

Message 12: Acknowledgement of pacs.008:RtcCreditTransferRequest

Message 13: pacs.002:RtcDeliveryStatusReport

Message 14: Acknowledgement of pacs.002:RtcDeliveryStatusReport

Message 15: PaymentStatusReport (outboundCreditTransferResponse operation)

Message 16: Acknowledgement of PaymentStatusReport