Outbound Payments
This guide covers the implementation steps required to send outbound Real-Time Clearing (RTC) and PayShap payments.
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 outbound RTC and PayShap payments. See more details about each payment leg in the pages below.
PayShap payments must 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.
For proxy-based outbound PayShap payments, it is mandatory that you implement the identifier determination step for the processing of proxy resolution.
The identifier determination step is optional for you to implement in the case of outbound account-based PayShap payments, in which case it can be used to request account resolution from the payee bank.
