Electrum Regulated Payments API (21.0.2)

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

This document describes the operations exposed by Electrum for partners to consume in order to initiate outbound or respond to inbound payments.

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 this document.
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 the Electrum Regulated Payments Partner API.

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. Partners may request the method of communication Electrum should use when selecting which payment schemes to participate in.

Download OpenAPI description

elpapi-redoc.json

elpapi-redoc.yaml

Overview

URL

https://electrum.co.za

Electrum Support

support@electrum.co.za

License

proprietary

Servers

Payments API sandbox

https://example.com/path/payments/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

account-management

Operations that involve customer account information.

Operations

proxy

Operations that involve the management or processing of proxies

Operations

scheme-inquiry

Operations that are related to retrieving information from industry for a particular scheme.

Operations

identifier-determination

Operations used to retrieve additional information related to an identifier

Operations

identifier-verification

Operations used to verify information relating to an account identifier

Operations

request-to-pay

Operations which pertain to a request for payment from a creditor to a debtor

Operations

funds-management

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

Operations

refund

Operations related to the refund of a prior successful financial transaction.

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

Schema

CancellationDetails

Specifies the details of the underlying transaction being cancelled

cancellationStatusReasonInfoobject(CancellationStatusReasonInformation)

originalTransactionobject(OriginalTransactionReference)

Contains key elements related to the original transaction that is being referred to.

originalTransactionIdentifiersobject(TransactionIdentifiers)required

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

originalTransactionIdentifiers.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.

originalTransactionIdentifiers.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.

originalTransactionIdentifiers.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.

originalTransactionIdentifiers.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.

transactionCancellationStatusstring(CancellationStatusCode)required

RJCR RejectedCancellationRequest - Cancellation request is rejected ACCR AcceptedCancellationRequest - Cancellation is accepted. PDCR PendingCancellationRequest - Cancellation request is pending.

Enum"RJCR""ACCR""PDCR"

{
  "cancellationStatusReasonInfo": {
    "originator": { … },
    "reason": { … }
  },
  "originalTransaction": {
    "amounts": { … },
    "creditorAccount": { … },
    "creditorAgent": { … },
    "creditorAgentAccount": { … },
    "debtorAccount": { … },
    "debtorAgent": { … },
    "debtorAgentAccount": { … },
    "paymentMethod": "CreditTransfer",
    "paymentTypeInformation": { … },
    "purpose": { … },
    "remittanceInformation": { … },
    "settlementDate": "2019-08-24",
    "supplementaryData": { … },
    "creditor": { … },
    "debtor": { … },
    "mandateInformation": { … }
  },
  "originalTransactionIdentifiers": {
    "endToEndIdentification": "string",
    "instructionIdentification": "string",
    "transactionIdentification": "string",
    "uetr": "string"
  },
  "transactionCancellationStatus": "RJCR"
}

CorrectiveInterbankTransaction

Provides the details of a corrective interbank payment transaction

messageIdentifiersobject(MessageIdentifiers)

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

schemastring

Value"CORRECTIVE_INTERBANK_TRANSACTION"

settlementAmountobject(Amount)required

settlementAmount.currencystring^[A-Z]{3}$required

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

settlementAmount.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 Code	Example	Valid	Notes
USD	10.0	✓	Represents 10 USD and no cents.
USD	10.00	✓
USD	10.001	✗	US dollar does not support three decimal places.
JPY	10.0	✓	Represents 10 Japanese Yen.
JPY	10.1	✗	Japanese Yen does not support decimal places.

settlementDatestring(date)required

transactionIdentificationobject(TransactionIdentifiers)

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

{
  "messageIdentifiers": {
    "creationDateTime": "2019-08-24T14:15:22Z",
    "messageIdentification": "string"
  },
  "schema": "CORRECTIVE_INTERBANK_TRANSACTION",
  "settlementAmount": {
    "currency": "string",
    "value": 0.1
  },
  "settlementDate": "2019-08-24",
  "transactionIdentification": {
    "endToEndIdentification": "string",
    "instructionIdentification": "string",
    "transactionIdentification": "string",
    "uetr": "string"
  }
}

CorrectivePaymentInitiation

Provides the details of a corrective payment initiation

instructedAmountobject(Amount)required

instructedAmount.currencystring^[A-Z]{3}$required

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

instructedAmount.valuenumber(double)>= 0required

Currency Code	Example	Valid	Notes
USD	10.0	✓	Represents 10 USD and no cents.
USD	10.00	✓
USD	10.001	✗	US dollar does not support three decimal places.
JPY	10.0	✓	Represents 10 Japanese Yen.
JPY	10.1	✗	Japanese Yen does not support decimal places.

messageIdentifiersobject(MessageIdentifiers)

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

schemastring

Value"CORRECTIVE_PAYMENT_INITIATION"

transactionIdentificationobject(TransactionIdentifiers)

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

{
  "instructedAmount": {
    "currency": "string",
    "value": 0.1
  },
  "messageIdentifiers": {
    "creationDateTime": "2019-08-24T14:15:22Z",
    "messageIdentification": "string"
  },
  "schema": "CORRECTIVE_PAYMENT_INITIATION",
  "transactionIdentification": {
    "endToEndIdentification": "string",
    "instructionIdentification": "string",
    "transactionIdentification": "string",
    "uetr": "string"
  }
}

operational

Operations

bulk

Operations

accounts

Operations

account-verification

Operations