Electrum Regulated Payments Partner API (26.0.0)

The Electrum Regulated Payments API is an asynchronous API that allows partners to participate in various nationally regulated payment schemes.

As the Regulated Payments API is asynchronous, partners have a choice of how to integrate with Electrum:

  • Webhooks: Electrum will send events to the partner containing inbound payments to action, or responses to outbound payment requests. Webhooks are defined in the Electrum Regulated Payments Partner API.
  • Partner API: Electrum will call operations exposed by the partner containing inbound payments to action, or responses to outbound payment requests. The operations are defined in this document.

Receiving transactional events via webhooks or API are equivalent, except that it may be more familiar or convenient to implement one style or the other.

This document describes the operations a partner must implement for Electrum to consume in order to complete the integration with the Electrum Regulated Payments API.

Languages
Servers
Partner API sandbox

https://example.com/path/payments/partner-api/v1/

transactional

Operations that participate in transaction processing, which may or may not have financial impact.

Operations

financial

Operations that participate in transaction processing and have financial impact.

Operations

credit-transfer

Operations related to credit transfer transactions.

Operations

direct-debit

Operations related to direct debit transactions.

Operations

payment-return

Operations related to payment returns.

Operations

identifier-determination

Operations used to retrieve additional information related to an identifier

Operations

funds-management

Operations related to the management of funds, including reservations, postings, and voiding of reservations.

Operations

risk-assessment

Operations related to the assessment and identification of risk in transactions.

Operations

fraud-assessment

Operations related to the processing of fraud assessments for payment transactions.

Operations

account-management

Operations that involve customer account information.

Operations

Retrieve a customer account record

Request

This synchronous operation retrieves the details of all accounts given an accountId when using an external endpoint to request customer account details. The accountId is one of the unique identifiers for an account (e.g. GenericAccountIdentifier.value or MobileNumberIdentifier.value).

Headers
traceparentstring(traceparent)^[A-Fa-f0-9]{2}\-[A-Fa-f0-9]{32}\-[A-Fa-f0-9]...

A value used to trace an HTTP message within an Electrum Regulated Payments implementation. This field must be set as per the traceparent element defined in the W3C Trace Context Level 2 specification.

tracestatestring(tracestate)^[A-Za-z0-9=, _\*/@]{0,1024}$

A value used to provide context to an HTTP message as it is traced within an Electrum Regulated Payments implementation. This field must be set as per the tracestate element defined in the W3C Trace Context Level 2 specification.

Bodyapplication/json
namespacestring[ 1 .. 40 ] characters

An identifier's namespace provides a context for the identifier to distinguish different identifiers which may have the same value but be intended to identify different accounts. For example, a bank may use the same MSISDN (identifier) with different namespaces to distinguish between a customer's cheque or savings accounts.

This may be used by the following schemes:

  • ZA_RPP
schemastringrequired

Indicates the schema of the identifier, e.g. MOBILE, CUSTOM.

Discriminator
valuestring[ 1 .. 2048 ] charactersrequired
curl -i -X POST \
  https://example.com/path/payments/partner-api/v1/accounts/get \
  -H 'Content-Type: application/json' \
  -H 'traceparent: string' \
  -H 'tracestate: string' \
  -d '{
    "namespace": "string",
    "schema": "CUSTOM",
    "value": "string"
  }'

Responses

Bodyapplication/json
accountobject(Account)required

An account within the Electrum Account mirror. Note that the primaryIdentification is permanent and immutable.

account.​accountNamestring<= 70 characters
account.​additionalIdentificationsArray of objects(AccountIdentification)
account.​currencystring(CurrencyCode)^[A-Z]{3}$

A valid, active currency code as defined in ISO 4217 indicating the currency of the amount.

account.​openingDatestring(date-time)

Date and time at which the account was established.

account.​primaryIdentificationobject(AccountIdentification)required

Holds details pertaining to an identifier of an account or store of value.

account.​primaryIdentification.​accountKnownAsstring<= 40 characters

A name or label of the account.

account.​primaryIdentification.​identifierobject(AccountIdentifier)required
account.​primaryIdentification.​identifier.​namespacestring[ 1 .. 40 ] characters

An identifier's namespace provides a context for the identifier to distinguish different identifiers which may have the same value but be intended to identify different accounts. For example, a bank may use the same MSISDN (identifier) with different namespaces to distinguish between a customer's cheque or savings accounts.

This may be used by the following schemes:

  • ZA_RPP
account.​primaryIdentification.​identifier.​schemastringrequired

Indicates the schema of the identifier, e.g. MOBILE, CUSTOM.

Discriminator
account.​primaryIdentification.​identifier.​valuestring[ 1 .. 2048 ] charactersrequired
account.​primaryIdentification.​registeredSchemesArray of strings(PaymentSchemeName)

The list of schemes with which the identifier is registered.

Items Enum"ZA_RTC""ZA_RPP""ZA_EFT""ZA_AC""ZA_RMS""CBPR_PLUS"
account.​restrictionsArray of objects(Restriction)
account.​statusstring(AccountStatusCode)

A set of codes that describe the status of an account

Enum"ENABLED""DISABLED""DELETED"
account.​typeobject(AccountType)
otherAccountOwnerDetailsArray of objects(AccountOwner)
primaryAccountOwnerDetailsobject(AccountOwner)required

Contains information detailing the owner of an account, which can be either a person or organisation.

primaryAccountOwnerDetails.​recordIdentifierstring[ 1 .. 50 ] charactersrequired

A unique identifier used to identify this Account Owner record. This is distinct from the identification of the Account Owner, which may or may not be unique within this system, but which is typically used for identification outside of the system, such as passport numbers or national identification numbers. This identifier is used exclusively to identify the owner within this system.

primaryAccountOwnerDetails.​schemastringrequired

Defines the type of owner.

Enum"ORGANISATION""INDIVIDUAL"
Discriminator
primaryAccountOwnerDetails.​addressobject(PostalAddress)
primaryAccountOwnerDetails.​contactDetailsobject(ContactDetails)
primaryAccountOwnerDetails.​countryOfResidencestring(CountryCode)[A-Z]{2,2}

A code to identify a country, a dependency, or another area of particular geopolitical interest, on the basis of country names obtained from the United Nations (ISO 3166, Alpha-2 code).

primaryAccountOwnerDetails.​identifiersArray of objects(PersonIdentifier)
primaryAccountOwnerDetails.​nameobject(PersonName)

Name of the person.

Response
application/json
{ "account": { "type": {}, "accountName": "MyCashAccount", "currency": "ZAR", "openingDate": "2022-05-03T15:02:01Z", "status": "ENABLED", "restrictions": [], "primaryIdentification": {}, "additionalIdentifications": [] }, "primaryAccountOwnerDetails": { "schema": "INDIVIDUAL", "recordIdentifier": 123456789, "name": {}, "identifiers": [], "address": {}, "contactDetails": {}, "countryOfResidence": "ZA" }, "otherAccountOwnerDetails": [ {} ] }

mandate-management

Operations related to the lifecycle management of direct debit mandates.

Operations

Schema

operational

Operations

bulk

Operations

request-to-pay

Operations

refund

Operations

account-verification

Operations