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

ZaRppServices

string(ZaRppServices)

Enum"PBPX""PBAC""RTP-PBPX""RTP-PBAC"

"PBPX"

ZaInstitutionDomainDetails

domainstring[ 1 .. 35 ] charactersrequired

A BankservAfrica-specific field requirement that associates this institution with a specific "domain"

which is essentially a type of namespace. This is the equivalent of the Electrum 'namespace' found on Non-Banking Identifiers, such as a MobileIdentifier

namestring[ 1 .. 100 ] charactersrequired

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

servicesArray of strings(ZaRppServices)>= 0 itemsrequired

Items Enum"PBPX""PBAC""RTP-PBPX""RTP-PBAC"

{
  "domain": "string",
  "name": "string",
  "services": [
    "PBPX"
  ]
}

ParticipantIdentificationDetails

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)

branchobject(BranchIdentification)

domainDetailsArray of objects(ZaInstitutionDomainDetails)

memberIdstring[ 1 .. 35 ] characters

Identification of a member of a clearing system.

namestring<= 140 charactersrequired

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

servicesArray of strings(ZaRppServices)>= 0 itemsrequired

Items Enum"PBPX""PBAC""RTP-PBPX""RTP-PBAC"

sponsoringAgentBicfistring^[A-Z0-9]{4,4}[A-Z]{2,2}[A-Z0-9]{2,2}([A-Z0-9...

sponsoringAgentNamestring<= 100 characters

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

{
  "bicfi": "string",
  "branch": {
    "address": { … },
    "identification": "string",
    "name": "string"
  },
  "domainDetails": [
    { … }
  ],
  "memberId": "string",
  "name": "string",
  "services": [
    "PBPX"
  ],
  "sponsoringAgentBicfi": "string",
  "sponsoringAgentName": "string"
}

operational

Operations

bulk

Operations

accounts

Operations

account-verification

Operations