FiToFiPaymentCancellationRequest

Electrum Regulated Payments Events API (26.1.1)

The Electrum Regulated Payments Events API is a synchronous API that describes the events emitted by the Electrum Regulated Payments platform during the course of transaction processing.

This document describes the single endpoint that you will need to implement in order to receive event notifications posted by Electrum.

As transactions are processed by Electrum, events are emitted to provide information about the status of the transactions and the operations preformed on them. These events do not affect processing, but provide information that can be used for operational support and monitoring purposes.

All events are posted to the same single URL. Event are differentiated by a unique descriptor contained in the name field of the message body. This descriptor serves to allow the receiver to determine whether the particular event is of interest.

state

Transactions transition through different states. As each state is entered, an event is emitted. This event provides information about the state entered by the transaction. Included in this information is the message payload of the operation that triggered the state transition in the Electrum Regulated Payments. Note: The message payload attached to an event might be an internally-triggered message and not the message sent to or received from the Electrum Regulated Payments API.

UnderlyingTransaction

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

amountsobject(TransactionAmounts)

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)

creditorAgentAccountobject(PaymentAccount)

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

debtorAccountobject(PaymentAccount)

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

debtorAgentobject(InstitutionIdentification)

debtorAgentAccountobject(PaymentAccount)

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

paymentMethodstring(PaymentMethod)

CreditTransfer - Transfer of an amount of money in the books of the account servicer.
DirectDebit - Collection of an amount of money from the debtor's account by the creditor, the amount and date of collection may vary.

Enum"CreditTransfer""DirectDebit"

paymentTypeInformationobject(PaymentTypeInformation)

purposeobject(PurposeType)

Specifies the underlying reason for the payment transaction

remittanceInformationobject(RemittanceInformation)

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.

supplementaryDataobject(SupplementaryData)

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

creditorany(PartyInstitutionChoice)

debtorany(PartyInstitutionChoice)

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).

cancellationIdstring<= 35 characters

cancellationReasonInfoArray of objects(CancellationReasonInfo)

Reason information for the cancellation

{
  "amounts": {
    "bankSettlementAmount": { … },
    "instructedAmount": { … }
  },
  "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": { … }
  },
  "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": { … }
  },
  "paymentMethod": "CreditTransfer",
  "paymentTypeInformation": {
    "categoryPurpose": { … },
    "localInstrument": { … },
    "serviceLevel": [ … ]
  },
  "purpose": {
    "schema": "string",
    "value": "BKDF"
  },
  "remittanceInformation": {
    "structured": [ … ],
    "unstructured": [ … ]
  },
  "settlementDate": "2019-08-24",
  "supplementaryData": {
    "property1": "string",
    "property2": "string"
  },
  "creditor": {
    "party": { … },
    "schema": "PARTY"
  },
  "debtor": {
    "party": { … },
    "schema": "PARTY"
  },
  "mandateInformation": {
    "mandateIdentification": "string",
    "trackingDays": 99
  },
  "cancellationId": "string",
  "cancellationReasonInfo": [
    { … }
  ]
}

FiToFiPaymentCancellationRequest

Sent by a financial institution to request the cancellation of an instruction previously sent.

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.

assignmentobject(CaseAssignment)required

assignment.assigneeany(PartyInstitutionChoice)required

assignment.assignee.institutionobject(InstitutionIdentification)required

assignment.assignee.institution.additionalIdentificationsArray of objects(AccountIdentification)

assignment.assignee.institution.addressobject(PostalAddress)

assignment.assignee.institution.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)

assignment.assignee.institution.branchobject(BranchIdentification)

assignment.assignee.institution.clearingSystemMemberIdobject(ClearingSystemMemberIdentification)

assignment.assignee.institution.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).

assignment.assignee.institution.namestring<= 140 characters

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

assignment.assignee.institution.companyRegistrationstring<= 35 charactersDeprecated

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

assignment.assignee.institution.memberIdstring<= 35 charactersDeprecated

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

assignment.assignee.schemastringrequired

Value"INSTITUTION"

Discriminator

assignment.assignerany(PartyInstitutionChoice)required

assignment.assigner.institutionobject(InstitutionIdentification)required

assignment.assigner.institution.additionalIdentificationsArray of objects(AccountIdentification)

assignment.assigner.institution.addressobject(PostalAddress)

assignment.assigner.institution.bicfistring^[A-Z0-9]{4,4}[A-Z]{2,2}[A-Z0-9]{2,2}([A-Z0-9...

assignment.assigner.institution.branchobject(BranchIdentification)

assignment.assigner.institution.clearingSystemMemberIdobject(ClearingSystemMemberIdentification)

assignment.assigner.institution.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).

assignment.assigner.institution.namestring<= 140 characters

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

assignment.assigner.institution.companyRegistrationstring<= 35 charactersDeprecated

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

assignment.assigner.institution.memberIdstring<= 35 charactersDeprecated

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

assignment.assigner.schemastringrequired

Value"INSTITUTION"

Discriminator

assignment.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

assignment.identificationstring<= 35 charactersrequired

Uniquely identifies a case assignment

caseobject(Case6)

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.

paymentSchemeobject(FiToFiPaymentCancellationPaymentScheme)required

Designates which scheme a payment cancellation is associated with and describes scheme-specific information for the cancellation.

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.

Enum"ZA_RTC""ZA_RPP""ZA_EFT""ZA_AC""ZA_RMS""CBPR_PLUS"

Discriminator

paymentScheme.schemeDataobject(ZaAcFiToFiPaymentCancellationPaymentSchemeData)required

paymentScheme.schemeData.cancellationTypestringrequired

Identifies the specific business process applicable to the cancellation request.

RECALL: A request to revoke a payment instruction that has not yet settled or is currently in tracking. If successful, the instruction is cancelled without financial movement (no settlement occurs). If the partner makes use of Electrum's collections capabilities, this type is only expected for outbound use.
SYSTEM_ERROR_CORRECTION_REQUEST: Represents the case where a bank has experienced a technical issue that resulted in settled debit collections being processed incorrectly (e.g., a batch of debits was duplicated), and the industry bank is requesting that the partner bank correct the error.
A successful correction means the partner bank initiates a financial Payment Return to recover the funds from the industry bank in order to refund the debtor.
This case is notably different from standard recalls and disputes in that: (1) This strictly requires prior industry/PASA authorisation to invoke, (2) it may be rejected by the partner bank if the correction cannot be applied (e.g., original transaction not found, or the transaction was already reversed via a customer dispute), (3) partial reversals are not permitted, and (4) the bank from industry is limited to exactly 2 (two) retry attempts for the same transaction if an earlier request was rejected.

Enum"RECALL""SYSTEM_ERROR_CORRECTION_REQUEST"

schemastringrequired

Value"FiToFiPaymentCancellationRequest"

underlyingTransactionobject(UnderlyingTransaction)required

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

underlyingTransaction.amountsobject(TransactionAmounts)

underlyingTransaction.creditorAccountobject(PaymentAccount)

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

underlyingTransaction.creditorAgentobject(InstitutionIdentification)

underlyingTransaction.creditorAgentAccountobject(PaymentAccount)

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

underlyingTransaction.debtorAccountobject(PaymentAccount)

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

underlyingTransaction.debtorAgentobject(InstitutionIdentification)

underlyingTransaction.debtorAgentAccountobject(PaymentAccount)

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

underlyingTransaction.paymentMethodstring(PaymentMethod)

CreditTransfer - Transfer of an amount of money in the books of the account servicer.
DirectDebit - Collection of an amount of money from the debtor's account by the creditor, the amount and date of collection may vary.

Enum"CreditTransfer""DirectDebit"

underlyingTransaction.paymentTypeInformationobject(PaymentTypeInformation)

underlyingTransaction.purposeobject(PurposeType)

Specifies the underlying reason for the payment transaction

underlyingTransaction.remittanceInformationobject(RemittanceInformation)

underlyingTransaction.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.

underlyingTransaction.supplementaryDataobject(SupplementaryData)

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

underlyingTransaction.creditorany(PartyInstitutionChoice)

underlyingTransaction.debtorany(PartyInstitutionChoice)

underlyingTransaction.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).

underlyingTransaction.cancellationIdstring<= 35 characters

underlyingTransaction.cancellationReasonInfoArray of objects(CancellationReasonInfo)

Reason information for the cancellation

{
  "messageIdentifiers": {
    "creationDateTime": "2019-08-24T14:15:22Z",
    "messageIdentification": "string"
  },
  "supplementaryData": {
    "property1": "string",
    "property2": "string"
  },
  "assignment": {
    "assignee": { … },
    "assigner": { … },
    "creationDateTime": "2019-08-24T14:15:22Z",
    "identification": "string"
  },
  "case": {
    "creator": { … },
    "identification": "string",
    "reopenCaseIndication": true
  },
  "originalTransactionIdentifiers": {
    "endToEndIdentification": "string",
    "instructionIdentification": "string",
    "transactionIdentification": "string",
    "uetr": "string"
  },
  "paymentScheme": {
    "schema": "ZA_RTC",
    "schemeData": { … }
  },
  "schema": "FiToFiPaymentCancellationRequest",
  "underlyingTransaction": {
    "amounts": { … },
    "creditorAccount": { … },
    "creditorAgent": { … },
    "creditorAgentAccount": { … },
    "debtorAccount": { … },
    "debtorAgent": { … },
    "debtorAgentAccount": { … },
    "paymentMethod": "CreditTransfer",
    "paymentTypeInformation": { … },
    "purpose": { … },
    "remittanceInformation": { … },
    "settlementDate": "2019-08-24",
    "supplementaryData": { … },
    "creditor": { … },
    "debtor": { … },
    "mandateInformation": { … },
    "cancellationId": "string",
    "cancellationReasonInfo": [ … ]
  }
}

BaseResponseMessage

An extension of BaseMessage which includes additional information pertinent to an asynchronous response message. In particular, original message identifiers.

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

supplementaryDataobject(SupplementaryData)

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

originalMessageIdentifiersobject(MessageIdentifiers)required

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

originalMessageIdentifiers.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

originalMessageIdentifiers.messageIdentificationstring<= 35 charactersrequired

{
  "messageIdentifiers": {
    "creationDateTime": "2019-08-24T14:15:22Z",
    "messageIdentification": "string"
  },
  "supplementaryData": {
    "property1": "string",
    "property2": "string"
  },
  "originalMessageIdentifiers": {
    "creationDateTime": "2019-08-24T14:15:22Z",
    "messageIdentification": "string"
  }
}

Electrum Regulated Payments Events API (26.1.1)

state

Schema

UnderlyingTransaction

FiToFiPaymentCancellationRequest

BaseResponseMessage