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.
Enum"ZA_RTC""ZA_RPP""ZA_EFT""ZA_AC""ZA_RMS""CBPR_PLUS"
Identifies the type of EFT payment return.
UNPAID: Occurs when a payment cannot be completed successfully by the homing bank such as due to insufficient funds or account closure. Note that it is impossible for Electrum to reject unpaids received from industry, so a negative payment return response from the partner will always result in a reconciliation exception for inbound unpaids.DISPUTE: Occurs when there is a disagreement between the creditor and debtor regarding a payment and, after investigation with the assistance of their respective banks, the creditor's bank (in the case of a credit) or the debtor's bank (in the case of a debit) decides that the payment should be returned. As for unpaids, it is impossible for Electrum to reject disputes received from industry, so a negative payment return response results in a reconciliation exception for inbound disputes.SYSTEM_ERROR_CORRECTION_REQUEST: Only expected for inbound use and represents the case where a bank from industry has experienced a technical issue that resulted in payments to or from the partner bank being reflected incorrectly (e.g. credits or debits were duplicated) and the industry bank is requesting that the partner bank attempt to correct the error. This case is notably different from unpaids and disputes in that (1) the system error correction request is expected to be best effort and may be rejected by the partner bank if the request cannot be honoured (e.g. due to insufficient funds) and (2) the bank from industry may retry system error correction requests for the same transaction on different days if an earlier request was rejected.HOME_BACK: Occurs when a payment cannot be completed successfully at the operator such as a lack of information required to route to the correct homing bank. Note that it is impossible for Electrum to reject homebacks received from industry, so a negative payment return response from the partner will always result in a reconciliation exception for inbound homebacks.
Enum"UNPAID""DISPUTE""SYSTEM_ERROR_CORRECTION_REQUEST""HOME_BACK"
An account number, shortened to 11 characters according to the account number reduction rules in the EFT technical standards. This field is intended for internal use by Electrum and generally should not be populated by partner implementations.
An account number, shortened to 11 characters according to the account number reduction rules in the EFT technical standards. This field is intended for internal use by Electrum and generally should not be populated by partner implementations.
{ "schema": "ZA_RTC", "schemeData": { "returnType": "UNPAID", "shortenedCreditorAccountNumber": "stringstrin", "shortenedDebtorAccountNumber": "stringstrin", "userCode": "stri" } }