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

Languages
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

InvestigationStatusDuplicateOf

Indicates a duplicated case

duplicateOfobject(Case6)required
duplicateOf.​creatorany(PartyInstitutionChoice)
duplicateOf.​identificationstring<= 35 characters
duplicateOf.​reopenCaseIndicationboolean

Indicates whether or not the case was previously closed and is now re-opened

statusTypestringrequired
Value"DUPLICATE_OF"
{
  "duplicateOf": {
    "creator": { … },
    "identification": "string",
    "reopenCaseIndication": true
  },
  "statusType": "DUPLICATE_OF"
}

ExternalPaymentModificationRejectionCode

schemastring

Identifies the value as being a pre-defined code. Always CODE.

valuestring

UM01 UnableToModifyRelatedReference - Related transaction reference cannot be modified. UM02 UnableToModifyPaymentServiceLevel - Service level element of payment type cannot be modified(former UnableToModifyBankOperationCode). UM03 UnableToModifyCategoryPurpose - Category purpose element of payment type cannot be modified (former UnableToModifyInstructionCode). UM04 UnableToModifyRequestedExecutionDate - RequestedExecutionDate cannot be modified. UM05 UnableToModifyInterbankSettlementDate - InterbankSettlementDate cannot be modified (former UnableToModifyValueDate). UM06 UnableToModifyInterbankSettlementAccount - SettlementAccount cannot be modified (former UnableToModifyInterbankSettlementAccount). UM07 UnableToModifyDebtor - Debtor cannot be modified. UM08 UnableToModifyDebtorAccount - DebtorAccount cannot be modified. UM09 UnableToModifyInstructedReimbursementAgent - InstructedReimbursementAgent cannot be modified (former UnableToModifyReceiverCorrespondent). UM10 UnableToModifyThirdReimbursementAgent - ThirdReimbursementAgent cannot be modified (former UnableToModifyThirdReimbursementInstitution). UM11 UnableToModifyPaymentClearingChannel - Clearing Channel element of payment type cannot be modified (former UnableToModifyPaymentScheme) UM12 UnableToModifyCreditorAgentAccount - Creditor agent account cannot be modified (former UnableToModifyAccountOfBeneficiaryInstitution) UM13 UnableToModifyCreditor - Creditor cannot be modified. UM14 UnableToModifyCreditorAccount - Creditor account cannot be modified. UM15 UnableToModifyRemittanceInformation - Remittance information cannot be modified. UM16 UnableToModifyPaymentPurpose - PaymentPurpose cannot be modified. UM17 UnableToModifyChargeBearer - Charge bearer cannot be modified (former UnableToModifyDetailsOfCharges). UM18 UnableToModifyInstructionForNextAgent - Instruction for next agent cannot be modified (former UnableToModifySenderToReceiver). UM19 UnableToModifyInstructionForCreditorAgent - Instruction for creditor agent cannot be modified. (former UnableToModifyInstructionForFinalAgent). UM20 InstructionCancelledSubmitNewInstruction - Used to inform of cancellation and request a new payment instruction. This should only be used if an agent does not want to modify a pending payment. UM21 UnableToModifySubmitCancellation - Modification is not possible and the cancellation is requested. UM22 UnableToModifyDebtorAgentAccount - Debtor agent account cannot be modified (applicable for direct debits). UM23 UnableToModifyInterbankSettlementAmount - Interbank settlement amount cannot be modified. UM24 UnableToModifyInstructionForDebtorAgent - Instruction for debtor agent cannot be modified (applicable for direct debits) UM25 UnableToModifyRequestedCollectionDate - Requested collection date cannot be modified (applicable for direct debits) UM26 UnableToModifyPaymentType - Payment type cannot be modified. UM27 UnableToModifyInstructedAmount - Instructed or equivalent amount cannot be modified. UM28 UnableToModifyPriority - Priority of payment message cannot be modified.

Enum"UM01""UM02""UM03""UM04""UM05""UM06""UM07""UM08""UM09""UM10"
{
  "schema": "string",
  "value": "UM01"
}

ModificationStatusReason

schemastring

Identifies the value as being a pre-defined code. Always CODE.

Discriminator
valuestring

UM01 UnableToModifyRelatedReference - Related transaction reference cannot be modified. UM02 UnableToModifyPaymentServiceLevel - Service level element of payment type cannot be modified(former UnableToModifyBankOperationCode). UM03 UnableToModifyCategoryPurpose - Category purpose element of payment type cannot be modified (former UnableToModifyInstructionCode). UM04 UnableToModifyRequestedExecutionDate - RequestedExecutionDate cannot be modified. UM05 UnableToModifyInterbankSettlementDate - InterbankSettlementDate cannot be modified (former UnableToModifyValueDate). UM06 UnableToModifyInterbankSettlementAccount - SettlementAccount cannot be modified (former UnableToModifyInterbankSettlementAccount). UM07 UnableToModifyDebtor - Debtor cannot be modified. UM08 UnableToModifyDebtorAccount - DebtorAccount cannot be modified. UM09 UnableToModifyInstructedReimbursementAgent - InstructedReimbursementAgent cannot be modified (former UnableToModifyReceiverCorrespondent). UM10 UnableToModifyThirdReimbursementAgent - ThirdReimbursementAgent cannot be modified (former UnableToModifyThirdReimbursementInstitution). UM11 UnableToModifyPaymentClearingChannel - Clearing Channel element of payment type cannot be modified (former UnableToModifyPaymentScheme) UM12 UnableToModifyCreditorAgentAccount - Creditor agent account cannot be modified (former UnableToModifyAccountOfBeneficiaryInstitution) UM13 UnableToModifyCreditor - Creditor cannot be modified. UM14 UnableToModifyCreditorAccount - Creditor account cannot be modified. UM15 UnableToModifyRemittanceInformation - Remittance information cannot be modified. UM16 UnableToModifyPaymentPurpose - PaymentPurpose cannot be modified. UM17 UnableToModifyChargeBearer - Charge bearer cannot be modified (former UnableToModifyDetailsOfCharges). UM18 UnableToModifyInstructionForNextAgent - Instruction for next agent cannot be modified (former UnableToModifySenderToReceiver). UM19 UnableToModifyInstructionForCreditorAgent - Instruction for creditor agent cannot be modified. (former UnableToModifyInstructionForFinalAgent). UM20 InstructionCancelledSubmitNewInstruction - Used to inform of cancellation and request a new payment instruction. This should only be used if an agent does not want to modify a pending payment. UM21 UnableToModifySubmitCancellation - Modification is not possible and the cancellation is requested. UM22 UnableToModifyDebtorAgentAccount - Debtor agent account cannot be modified (applicable for direct debits). UM23 UnableToModifyInterbankSettlementAmount - Interbank settlement amount cannot be modified. UM24 UnableToModifyInstructionForDebtorAgent - Instruction for debtor agent cannot be modified (applicable for direct debits) UM25 UnableToModifyRequestedCollectionDate - Requested collection date cannot be modified (applicable for direct debits) UM26 UnableToModifyPaymentType - Payment type cannot be modified. UM27 UnableToModifyInstructedAmount - Instructed or equivalent amount cannot be modified. UM28 UnableToModifyPriority - Priority of payment message cannot be modified.

Enum"UM01""UM02""UM03""UM04""UM05""UM06""UM07""UM08""UM09""UM10"
{
  "schema": "CODE",
  "value": "UM01"
}

operational

Operations

bulk

Operations

accounts

Operations

account-verification

Operations
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