Electrum Regulated Payments Partner API (29.1.0)

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.

Download OpenAPI description
elpapi-partner-redoc.json
elpapi-partner-redoc.yaml
Overview
URL

https://electrum.co.za

Electrum Support

support@electrum.co.za

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

sanctions-assessment

Operations related to the processing of sanctions assessment for payment transactions.

Operations

mandate-management

Operations related to the lifecycle management of direct debit mandates.

Operations

Schema

DirectDebitPaymentScheme

Designates which scheme a direct debit is associated with and describes scheme-specific information for the direct debit.

schemastring(PaymentSchemeName)required

Identifies the scheme used for the payment

  • ZA_RTC: South African Realtime Clearing scheme.
  • ZA_RPP: South African Realtime Payments Platform scheme.
  • ZA_EFT: South African Electronic Funds Transfer scheme.
  • ZA_AC : South African Authenticated Collections scheme.
  • ZA_RMS: South African Registered Mandate Service scheme.
  • CBPR_PLUS: Cross-Border Payments and Reporting Plus.
  • TCIB: Transactions Cleared on an Immediate Basis scheme.
Enum"ZA_RTC""ZA_RPP""ZA_EFT""ZA_AC""ZA_RMS""CBPR_PLUS""TCIB"
Discriminator
schemeDataobject(ZaAcSchemeData)required

Scheme-specific data for Authenticated Collections (DebiCheck) direct debits. Unlike EFT, DebiCheck only supports debit transactions (collections), so shortened account numbers used for EFT file generation are not applicable here.

schemeData.​creditorAbbreviatedShortNamestring[ 1 .. 10 ] charactersrequired

The Creditor Abbreviated Short Name (ABSN). This is a 3 to 10 character description of the Ultimate Creditor's name, business, or product that will appear on the debtor's bank statement. This value MUST perfectly match the ABSN stored on the active Mandate Register at the Debtor Bank (i.e. must match the short name provided for the ultimateCreditor during mandate initiation). Mismatches will result in scheme rejections.

schemeData.​creditorContractReferencestring[ 1 .. 14 ] charactersrequired

The unique contract reference number issued by the Ultimate Creditor to the Payer/Debtor when the contract was concluded. This value MUST perfectly match the Contract Reference stored on the active Mandate Register at the Debtor Bank. (i.e must match the identifier provided for mandate.mandateRequestIdentification during mandate initiation). Mismatches will result in scheme rejections.

schemeData.​userReferencestring<= 140 characters^[\u0020-\u007A]*$

Under the DebiCheck scheme, the user reference expected to appear on debtor statements comprises the following:

  1. creditorAbbreviatedShortName - right-padded with spaces to exactly 10 characters (Characters 1–10)
  2. creditorContractReference - right-padded with spaces to exactly 14 characters (Characters 11–24)
  3. requestedCollectionDate (also known as cycle date) - formatted as YYMMDD (Characters 25–30)
  4. The remaining 110 characters are available for bill presentment. This text will also be captured as unstructured remittanceInformation in the DirectDebit. Only the first 30 characters are required to appear on debtor statements. Allowed characters are limited to printable characters.

This field will be provided for all inbound requests to the partner. Do NOT populate this field for outbound requests. Instead, provide any bill presentment text (up to 110 characters) in the DirectDebit model under remittanceInformation.unstructured. The engine will automatically concatenate the Creditor Short Name, Contract Reference, the DirectDebit requestedCollectionDate, and your unstructured remittance text to construct the final 140-character string required by the scheme.

{
  "schema": "ZA_AC",
  "schemeData": {
    "creditorAbbreviatedShortName": "string",
    "creditorContractReference": "string",
    "userReference": "string"
  }
}

SequenceTypeCode

Identifies the direct debit sequence:

  • FRST : First collection of a series of direct debit instructions.
  • RCUR : Direct debit instruction where the debtor's authorisation is used for regular direct debit transactions initiated by the creditor.
  • FNAL : Final collection of a series of direct debit instructions.
  • OOFF : Direct debit instruction where the debtor's authorisation is used to initiate one single direct debit transaction.
  • RPRE : Collection used to represent previously reversed or returned direct debit transactions.
string(SequenceTypeCode)

Identifies the direct debit sequence:

  • FRST : First collection of a series of direct debit instructions.
  • RCUR : Direct debit instruction where the debtor's authorisation is used for regular direct debit transactions initiated by the creditor.
  • FNAL : Final collection of a series of direct debit instructions.
  • OOFF : Direct debit instruction where the debtor's authorisation is used to initiate one single direct debit transaction.
  • RPRE : Collection used to represent previously reversed or returned direct debit transactions.
Enum"FRST""RCUR""FNAL""OOFF""RPRE"
"FRST"

DirectDebit

A model containing the necessary information to request a direct debit from a debtor account for a creditor.

messageIdentifiersobject(MessageIdentifiers)required

Holds a point-to-point unique message identification string as well as a message's creation date time.

messageIdentifiers.​creationDateTimestring(date-time)required

The date and time at which the message was created, in senders local timezone or UTC. The date must be formatted as defined by date-time in RFC3339

messageIdentifiers.​messageIdentificationstring<= 35 charactersrequired

A reference used to unambiguously identify the message between the sending and receiving party. Take note that this uniquely identifies a single message in a potentially multi-message exchange to complete a payment.

supplementaryDataobject(SupplementaryData)

A list of key-value pairs to support adding any supplementary/additional data to an Electrum Regulated Payments API message.

transactionIdentifiersobject(TransactionIdentifiers)required

Holds a series of identifiers to identify the transaction or an individual message that is part of a transaction.

transactionIdentifiers.​endToEndIdentificationstring<= 35 charactersrequired

Unique identification, as assigned by the initiating party, to unambiguously identify the transaction. This identification is passed on, unchanged, throughout the entire end-to-end chain. Note: this is distinct from the UETR.

transactionIdentifiers.​instructionIdentificationstring<= 35 characters

Unique identification, as assigned by an instructing party for an instructed party, to unambiguously identify the instruction. The instruction identification is a point to point reference that can be used between the instructing party and the instructed party to refer to the individual instruction. It can be included in several messages related to the instruction.

transactionIdentifiers.​transactionIdentificationstring<= 35 characters

Unique identification, as assigned by the first instructing agent, to unambiguously identify the transaction that is passed on, unchanged, throughout the entire interbank chain. Usage: The transaction identification can be used for reconciliation, tracking or to link tasks relating to the transaction on the interbank level. Usage: The instructing agent has to make sure that the transaction identification is unique for a pre-agreed period.

transactionIdentifiers.​uetrstring(UUID)required

Universally unique identifier to provide an end-to-end reference of a payment transaction. This identifier remains the same for all messages related to the same transaction.

amountsobject(TransactionAmounts)required
amounts.​bankSettlementAmountobject(Amount)required
amounts.​bankSettlementAmount.​currencystring^[A-Z]{3}$required

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

amounts.​bankSettlementAmount.​valuenumber(double)>= 0required

The payment amount in the denomination of the indicated currency, in the format '. with the number of minor units (fractional digits) compliant with the number of decimal places published in ISO 4217.

Currency CodeExampleValidNotes
USD10.0✓Represents 10 USD and no cents.
USD10.00✓
USD10.001✗US dollar does not support three decimal places.
JPY10.0✓Represents 10 Japanese Yen.
JPY10.1✗Japanese Yen does not support decimal places.
amounts.​instructedAmountobject(Amount)
creditorobject(Party)required

This model is the basic representation of a Party. It is expanded on depending on whether the party is a person or an organisation.

creditor.​addressobject(PostalAddress)
creditor.​contactDetailsobject(ContactDetails)
creditor.​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).

creditor.​identificationobject(PartyIdentification)

The identification of a party, either a person or an organisation.

creditor.​knownAsNamestring[ 1 .. 140 ] characters

The name by which this party is commonly known in day to day use. For example, a shortening of their legal name or a nickname that they commonly use. This is "non-official". However, it is acceptable for this field to be set to the same as legalName.

creditor.​legalNamestring[ 1 .. 140 ] characters

The legal name by which this party is known (the "FICA" name). This is the full name of the party as found on country-issued documentation (national identity, company registration documentation etc).

creditorAccountobject(PaymentAccount)

Representation of an account for payment purposes. Note that at least one of identification or proxy is expected to be present.

creditorAgentobject(InstitutionIdentification)required
creditorAgent.​additionalIdentificationsArray of objects(AccountIdentification)
creditorAgent.​addressobject(PostalAddress)
creditorAgent.​bicfistring^[A-Z0-9]{4,4}[A-Z]{2,2}[A-Z0-9]{2,2}([A-Z0-9...

A code allocated to a financial or non-financial institution by the ISO 9362 Registration Authority as described in ISO 9362 Banking - Banking telecommunication messages - Business identifier code (BIC)

creditorAgent.​branchobject(BranchIdentification)
creditorAgent.​clearingSystemMemberIdobject(ClearingSystemMemberIdentification)
creditorAgent.​leistring[A-Z0-9]{18,18}[0-9]{2,2}

An organisation identified by a code allocated to a party as described in ISO 17442 Financial Services - Legal Entity Identifier (LEI).

creditorAgent.​namestring<= 140 characters

Name by which an institution is known and which is usually used to identify that institution

creditorAgent.​companyRegistrationstring<= 35 charactersDeprecated

A unique identifier assigned to a company or organisation by a duly appointed authority within a country.

creditorAgent.​memberIdstring<= 35 charactersDeprecated

Deprecated. Please use the preferred clearingSystemMemberId.memberId instead. Identification of a member of a clearing system.

creditorAgentAccountobject(PaymentAccount)

Representation of an account for payment purposes. Note that at least one of identification or proxy is expected to be present.

debtorobject(Party)required

This model is the basic representation of a Party. It is expanded on depending on whether the party is a person or an organisation.

debtor.​addressobject(PostalAddress)
debtor.​contactDetailsobject(ContactDetails)
debtor.​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).

debtor.​identificationobject(PartyIdentification)

The identification of a party, either a person or an organisation.

debtor.​knownAsNamestring[ 1 .. 140 ] characters

The name by which this party is commonly known in day to day use. For example, a shortening of their legal name or a nickname that they commonly use. This is "non-official". However, it is acceptable for this field to be set to the same as legalName.

debtor.​legalNamestring[ 1 .. 140 ] characters

The legal name by which this party is known (the "FICA" name). This is the full name of the party as found on country-issued documentation (national identity, company registration documentation etc).

debtorAccountobject(PaymentAccount)required

Representation of an account for payment purposes. Note that at least one of identification or proxy is expected to be present.

debtorAccount.​currencystring^[A-Z]{3}$

Identification of the currency in which the account is held.

debtorAccount.​identificationobject(BankingIdentifier)
debtorAccount.​namestring<= 70 characters

Name of the account, as assigned by the account servicing institution, in agreement with the account owner in order to provide an additional means of identification of the account.

debtorAccount.​proxyobject(NonBankingIdentifier)
debtorAccount.​typeobject(AccountType)
debtorAgentobject(InstitutionIdentification)required
debtorAgent.​additionalIdentificationsArray of objects(AccountIdentification)
debtorAgent.​addressobject(PostalAddress)
debtorAgent.​bicfistring^[A-Z0-9]{4,4}[A-Z]{2,2}[A-Z0-9]{2,2}([A-Z0-9...

A code allocated to a financial or non-financial institution by the ISO 9362 Registration Authority as described in ISO 9362 Banking - Banking telecommunication messages - Business identifier code (BIC)

debtorAgent.​branchobject(BranchIdentification)
debtorAgent.​clearingSystemMemberIdobject(ClearingSystemMemberIdentification)
debtorAgent.​leistring[A-Z0-9]{18,18}[0-9]{2,2}

An organisation identified by a code allocated to a party as described in ISO 17442 Financial Services - Legal Entity Identifier (LEI).

debtorAgent.​namestring<= 140 characters

Name by which an institution is known and which is usually used to identify that institution

debtorAgent.​companyRegistrationstring<= 35 charactersDeprecated

A unique identifier assigned to a company or organisation by a duly appointed authority within a country.

debtorAgent.​memberIdstring<= 35 charactersDeprecated

Deprecated. Please use the preferred clearingSystemMemberId.memberId instead. Identification of a member of a clearing system.

debtorAgentAccountobject(PaymentAccount)

Representation of an account for payment purposes. Note that at least one of identification or proxy is expected to be present.

disputeDetailsobject(DisputeDetails)

Provides details about whether and how a debit may be disputed by the debtor. This model encapsulates dispute eligibility metadata which can be passed through pacs.003 payloads to downstream systems.

emergencyCollectionboolean

Indicates that this direct debit was submitted via an emergency collection service. The action date must equal the current processing date.

initiatingPartyobject(Party)

This model is the basic representation of a Party. It is expanded on depending on whether the party is a person or an organisation.

instructedAgentobject(InstitutionIdentification)
instructingAgentobject(InstitutionIdentification)
intermediaryAgentsArray of objects(InstitutionIdentification)<= 3 items

Agents between the debtor's agent and the creditor's agent. If more than one intermediary agent is present, then IntermediaryAgent1 identifies the agent between the DebtorAgent and the IntermediaryAgent2.

mandateInformationobject(MandateInformation)

Provides a reference to the direct debit mandate signed between the creditor and the debtor.

Note: This model is not relevant to the ZA_EFT scheme. Electrum will not process these fields for EFT payments (e.g. tracking days are not honoured for EFT).

paymentSchemeobject(DirectDebitPaymentScheme)required

Designates which scheme a direct debit is associated with and describes scheme-specific information for the direct debit.

paymentScheme.​schemastring(PaymentSchemeName)required

Identifies the scheme used for the payment

  • ZA_RTC: South African Realtime Clearing scheme.
  • ZA_RPP: South African Realtime Payments Platform scheme.
  • ZA_EFT: South African Electronic Funds Transfer scheme.
  • ZA_AC : South African Authenticated Collections scheme.
  • ZA_RMS: South African Registered Mandate Service scheme.
  • CBPR_PLUS: Cross-Border Payments and Reporting Plus.
  • TCIB: Transactions Cleared on an Immediate Basis scheme.
Enum"ZA_RTC""ZA_RPP""ZA_EFT""ZA_AC""ZA_RMS""CBPR_PLUS""TCIB"
Discriminator
paymentScheme.​schemeDataobject(ZaAcSchemeData)required

Scheme-specific data for Authenticated Collections (DebiCheck) direct debits. Unlike EFT, DebiCheck only supports debit transactions (collections), so shortened account numbers used for EFT file generation are not applicable here.

paymentScheme.​schemeData.​creditorAbbreviatedShortNamestring[ 1 .. 10 ] charactersrequired

The Creditor Abbreviated Short Name (ABSN). This is a 3 to 10 character description of the Ultimate Creditor's name, business, or product that will appear on the debtor's bank statement. This value MUST perfectly match the ABSN stored on the active Mandate Register at the Debtor Bank (i.e. must match the short name provided for the ultimateCreditor during mandate initiation). Mismatches will result in scheme rejections.

paymentScheme.​schemeData.​creditorContractReferencestring[ 1 .. 14 ] charactersrequired

The unique contract reference number issued by the Ultimate Creditor to the Payer/Debtor when the contract was concluded. This value MUST perfectly match the Contract Reference stored on the active Mandate Register at the Debtor Bank. (i.e must match the identifier provided for mandate.mandateRequestIdentification during mandate initiation). Mismatches will result in scheme rejections.

paymentScheme.​schemeData.​userReferencestring<= 140 characters^[\u0020-\u007A]*$

Under the DebiCheck scheme, the user reference expected to appear on debtor statements comprises the following:

  1. creditorAbbreviatedShortName - right-padded with spaces to exactly 10 characters (Characters 1–10)
  2. creditorContractReference - right-padded with spaces to exactly 14 characters (Characters 11–24)
  3. requestedCollectionDate (also known as cycle date) - formatted as YYMMDD (Characters 25–30)
  4. The remaining 110 characters are available for bill presentment. This text will also be captured as unstructured remittanceInformation in the DirectDebit. Only the first 30 characters are required to appear on debtor statements. Allowed characters are limited to printable characters.

This field will be provided for all inbound requests to the partner. Do NOT populate this field for outbound requests. Instead, provide any bill presentment text (up to 110 characters) in the DirectDebit model under remittanceInformation.unstructured. The engine will automatically concatenate the Creditor Short Name, Contract Reference, the DirectDebit requestedCollectionDate, and your unstructured remittance text to construct the final 140-character string required by the scheme.

paymentTypeInformationobject(PaymentTypeInformation)
purposeobject(PurposeType)

Specifies the underlying reason for the payment transaction

remittanceInformationobject(RemittanceInformation)
requestedCollectionDatestring(date)

Date and time at which the creditor requests that the amount of money is to be collected from the debtor.

schemastringrequired
Value"DirectDebit"
sequenceTypestring(SequenceTypeCode)

Identifies the direct debit sequence:

  • FRST : First collection of a series of direct debit instructions.
  • RCUR : Direct debit instruction where the debtor's authorisation is used for regular direct debit transactions initiated by the creditor.
  • FNAL : Final collection of a series of direct debit instructions.
  • OOFF : Direct debit instruction where the debtor's authorisation is used to initiate one single direct debit transaction.
  • RPRE : Collection used to represent previously reversed or returned direct debit transactions.
Enum"FRST""RCUR""FNAL""OOFF""RPRE"
settlementDatestring(date)

Date on which the amount of money ceases to be available to the agent that owes it and when the amount of money becomes available to the agent to which it is due.

{
  "messageIdentifiers": {
    "creationDateTime": "2019-08-24T14:15:22Z",
    "messageIdentification": "string"
  },
  "supplementaryData": {
    "property1": "string",
    "property2": "string"
  },
  "transactionIdentifiers": {
    "endToEndIdentification": "string",
    "instructionIdentification": "string",
    "transactionIdentification": "string",
    "uetr": "string"
  },
  "amounts": {
    "bankSettlementAmount": { … },
    "instructedAmount": { … }
  },
  "creditor": {
    "address": { … },
    "contactDetails": { … },
    "countryOfResidence": "string",
    "identification": { … },
    "knownAsName": "string",
    "legalName": "string"
  },
  "creditorAccount": {
    "currency": "string",
    "identification": { … },
    "name": "string",
    "proxy": { … },
    "type": { … }
  },
  "creditorAgent": {
    "additionalIdentifications": [ … ],
    "address": { … },
    "bicfi": "string",
    "branch": { … },
    "clearingSystemMemberId": { … },
    "companyRegistration": "string",
    "lei": "string",
    "memberId": "string",
    "name": "string"
  },
  "creditorAgentAccount": {
    "currency": "string",
    "identification": { … },
    "name": "string",
    "proxy": { … },
    "type": { … }
  },
  "debtor": {
    "address": { … },
    "contactDetails": { … },
    "countryOfResidence": "string",
    "identification": { … },
    "knownAsName": "string",
    "legalName": "string"
  },
  "debtorAccount": {
    "currency": "string",
    "identification": { … },
    "name": "string",
    "proxy": { … },
    "type": { … }
  },
  "debtorAgent": {
    "additionalIdentifications": [ … ],
    "address": { … },
    "bicfi": "string",
    "branch": { … },
    "clearingSystemMemberId": { … },
    "companyRegistration": "string",
    "lei": "string",
    "memberId": "string",
    "name": "string"
  },
  "debtorAgentAccount": {
    "currency": "string",
    "identification": { … },
    "name": "string",
    "proxy": { … },
    "type": { … }
  },
  "disputeDetails": {
    "disputable": true,
    "disputableReasons": [ … ],
    "disputePeriodDays": 0
  },
  "emergencyCollection": true,
  "initiatingParty": {
    "address": { … },
    "contactDetails": { … },
    "countryOfResidence": "string",
    "identification": { … },
    "knownAsName": "string",
    "legalName": "string"
  },
  "instructedAgent": {
    "additionalIdentifications": [ … ],
    "address": { … },
    "bicfi": "string",
    "branch": { … },
    "clearingSystemMemberId": { … },
    "companyRegistration": "string",
    "lei": "string",
    "memberId": "string",
    "name": "string"
  },
  "instructingAgent": {
    "additionalIdentifications": [ … ],
    "address": { … },
    "bicfi": "string",
    "branch": { … },
    "clearingSystemMemberId": { … },
    "companyRegistration": "string",
    "lei": "string",
    "memberId": "string",
    "name": "string"
  },
  "intermediaryAgents": [
    { … }
  ],
  "mandateInformation": {
    "mandateIdentification": "string",
    "trackingDays": 99
  },
  "paymentScheme": {
    "schema": "ZA_RTC",
    "schemeData": { … }
  },
  "paymentTypeInformation": {
    "categoryPurpose": { … },
    "localInstrument": { … },
    "serviceLevel": [ … ]
  },
  "purpose": {
    "schema": "string",
    "value": "BKDF"
  },
  "remittanceInformation": {
    "structured": [ … ],
    "unstructured": [ … ]
  },
  "requestedCollectionDate": "2019-08-24",
  "schema": "DirectDebit",
  "sequenceType": "FRST",
  "settlementDate": "2019-08-24"
}

operational

Operations

bulk

Operations

request-to-pay

Operations

refund

Operations

account-verification

Operations
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