Electrum Regulated Payments Partner API (17.1.0)

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

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 the Electrum Regulated Payments Partner API.
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 this document.

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.

This document describes the operations a partner must implement for Electrum to consume in order to complete the integration with the Electrum Regulated Payments API.

Download OpenAPI description

elpapi-partner.json

elpapi-partner.yaml

Overview

URL

https://electrum.co.za

Electrum Support

support@electrum.co.za

Servers

Mock server

https://docs.electrumsoftware.com/_mock/openapi/elpapi/elpapi-partner/

Partner API sandbox

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

identifier-determination

Operations used to retrieve additional information related to an identifier

Operations

funds-management

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

Operations

Schema

RequestToPayCancellation

Requests that a prior request to pay is cancelled if possible (e.g. it's not yet been actioned, rejected or expired).

instructedAgentobject(InstitutionIdentification)

instructingAgentobject(InstitutionIdentification)

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.

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

originalRequestToPayDataobject(OriginalRequestToPayData)

Contains key elements related to the original request to pay 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.

reasonCodestringrequired

The reason the request to pay is being cancelled.

AC03: InvalidCreditorAccountNumber - Wrong account number in Credit Transfer.
AGNT: IncorrectAgent- Agent in the payment workflow is incorrect.
AM09: WrongAmount- Amount is not the amount agreed or expected.
BE16: InvalidDebtorIdentificationCode- Debtor or Ultimate Debtor identification code missing or invalid.
COVR: CoverCancelledOrReturned- Cover payments has either been returned or cancelled.
CURR: IncorrectCurrency- Currency of the payment is incorrect.
CUST: RequestedByCustomer- Cancellation requested by the Creditor.
CUTA: CancelUponUnableToApply- Cancellation requested because an investigation request has been received and no remediation is possible.
DS24: TimeOut- Cancellation requested because the original payment order expired due to time-out.
DT01: InvalidDate- Invalid date (for example, wrong or missing settlement date).
DUPL: DuplicatePayment- Payment is a duplicate of another payment.
FRAD: FraudulentOrigin- Cancellation requested following a transaction that was originated fraudulently. The use of the FraudulentOrigin code should be governed by jurisdictions.
FRNA: ForwardToNextAgent- To complement a rejection response, suggesting the request for cancelation should be forwarded to the next agent in the payment transaction chain.
FRTR: FinalResponse- Direct Debit Tracking recalled as Mandate Cancelled
INDM: IndemnityRequired- To express the wish to establish a bilateral indemnity agreement.
MODT: ModifiedTransaction- The underlying transaction in relation to an RTP was modified.
PAID: TransactionAlreadyPaid- The underlying transaction in relation to an RTP was already paid (via other means).
SVNR: ServiceNotRendered- The payment is cancelled since a cash amount rendered was not correct or goods or a service was not rendered to the customer, e.g. in an e-commerce situation.
SYAD: RequestToSettlementSystemAdministrator- Cancellation requested by System Member to Settlement System Administrator to indicate that the cancellation request must not be forwarded further in the chain.
TECH: TechnicalProblem- Cancellation requested following technical problems resulting in an erroneous transaction.
UPAY: UnduePayment- Payment is not justified.
ENUE: EndUserError- Cancellation or request for return requested by the Debtor specifically due to one or more errors by debtor in the original Credit Transfer. Usage: This code can be used for any error in the original Credit Transfer made by the Debtor. Can also be used if multiple errors were made in the original Credit Transfer.
UAPA: UnauthorizedPayment- "The Debtor is requesting a return of the payment because the payment was not properly authorized. Usage: This code can be used in the case where a Credit Transfer was made without proper authorization from the Debtor. This could be due to compromised end user credentials."
NARR: Narrative- Reason is provided as narrative information in the additional reason information.
AC02: InvalidDebtorAccountNumber- Debtor account number invalid or missing.
BIAS: BatchInstructionAlreadySettled- Process a cancellation request but batch already settled.
INCR: InvalidCancellationRequest- Process a cancellation request with incorrect reference to original batch.
DRTP: DuplicationRequestToPay- Duplication of a request-to-pay message.

Enum"AC03""AGNT""AM09""BE16""COVR""CURR""CUST""CUTA""DS24""DT01"

reasonDescriptionstring

A description of the reason the request to pay is being cancelled.

schemastringrequired

Value"RequestToPayCancellation"

{
  "instructedAgent": {
    "additionalIdentifications": [ … ],
    "address": { … },
    "bicfi": "string",
    "branch": { … },
    "clearingSystemMemberId": { … },
    "companyRegistration": "string",
    "lei": "string",
    "memberId": "string",
    "name": "string"
  },
  "instructingAgent": {
    "additionalIdentifications": [ … ],
    "address": { … },
    "bicfi": "string",
    "branch": { … },
    "clearingSystemMemberId": { … },
    "companyRegistration": "string",
    "lei": "string",
    "memberId": "string",
    "name": "string"
  },
  "messageIdentifiers": {
    "creationDateTime": "2019-08-24T14:15:22Z",
    "messageIdentification": "string"
  },
  "originalMessageIdentifiers": {
    "creationDateTime": "2019-08-24T14:15:22Z",
    "messageIdentification": "string"
  },
  "originalRequestToPayData": {
    "amounts": { … },
    "creditor": { … },
    "creditorAccount": { … },
    "creditorAgent": { … },
    "debtor": { … },
    "debtorAccount": { … },
    "debtorAgent": { … },
    "expiryDateTime": "2019-08-24T14:15:22Z",
    "paymentTypeInformation": { … },
    "remittanceInformation": { … },
    "requestToPayConditions": { … }
  },
  "originalTransactionIdentifiers": {
    "endToEndIdentification": "string",
    "instructionIdentification": "string",
    "transactionIdentification": "string",
    "uetr": "string"
  },
  "reasonCode": "AC03",
  "reasonDescription": "string",
  "schema": "RequestToPayCancellation"
}

RequestToPayCancellationStatusReasonTypeCode

schemastringrequired

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

valuestringrequired

AC04: ClosedAccountNumber - Account number specified has been closed on the receiver’s books.
ADAC: AwaitingDebitAuthorityFromCustomer - Reported when the cancellation request cannot be processed because customer has not yet provided the debit authority on its account.
AGNT: AgentDecision - Reported when the cancellation cannot be accepted because of an agent refuses to cancel.
AM04: InsufficientFunds - Amount of funds available to cover specified message amount is insufficient.
ARDT: AlreadyReturned - Cancellation not accepted as the transaction has already been returned.
ARPL: AwaitinReply - Reported when the cancellation request cannot be processed because no reply has been received yet from the receiver of the request message.
CUST: CustomerDecision - Reported when the cancellation cannot be accepted because of a customer decision (Creditor).
LEGL: LegalDecision - Reported when the cancellation cannot be accepted because of regulatory rules.
NARR: Narrative - Reason is provided as narrative information in the additional reason information.
NOAS: NoAnswerFromCustomer - No response from beneficiary (to the cancellation request).
NOOR: NoOriginalTransactionReceived - Original transaction (subject to cancellation) never received.
PTNA: PassedToTheNextAgent - Reported when the cancellation request cannot be accepted because the payment instruction has been passed to the next agent.
RQDA: RequestingDebitAuthority - Reported when authority is required by the Creditor to return the payment.
WSEQ: WrongSequence - Reported when the cancellation request cannot be processed because the sequence referred to in the request is not valid.
IDMN: CancellationIndemnityRequired - Complementing a Pending or Reject Status. Payment cancellation request cannot be accepted until an indemnity agreement is established.
ACLR: AlreadyCancelledRTP - Request-to-pay has already been cancelled.
AEXR: AlreadyExpiredRTP - Request-to-pay Expiry Date and Time has already passed.
ARFR: AlreadyRefusedRTP - Request-to-pay has already been refused by the Debtor.
ARJR: AlreadyRejectedRTP - Request-to-pay has already been rejected.
PATE: PaymentAlreadyTransmittedExecution - Payment related to the request-to-pay has already been transmitted for execution.
RR04: RegulatoryReason - Regulatory Reason.
RCAR: RfCAlreadyRejected - Request for cancellation of the request-to-pay has already been rejected.
RCNR: RfCNeverReceived - Request for cancellation of the request-to-pay has never been received.
RCPR: RfCReceivedAndProcessed - Request for cancellation of the request-to-pay has already been received and processed.
URTP: UnknownRTP - Request-to-pay is unknown.

Enum"AC04""ADAC""AGNT""AM04""ARDT""ARPL""CUST""LEGL""NARR""NOAS"

{
  "schema": "string",
  "value": "AC04"
}

RequestToPayCancellationStatusReasonType

schemastringrequired

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

Discriminator

valuestringrequired

AC04: ClosedAccountNumber - Account number specified has been closed on the receiver’s books.
ADAC: AwaitingDebitAuthorityFromCustomer - Reported when the cancellation request cannot be processed because customer has not yet provided the debit authority on its account.
AGNT: AgentDecision - Reported when the cancellation cannot be accepted because of an agent refuses to cancel.
AM04: InsufficientFunds - Amount of funds available to cover specified message amount is insufficient.
ARDT: AlreadyReturned - Cancellation not accepted as the transaction has already been returned.
ARPL: AwaitinReply - Reported when the cancellation request cannot be processed because no reply has been received yet from the receiver of the request message.
CUST: CustomerDecision - Reported when the cancellation cannot be accepted because of a customer decision (Creditor).
LEGL: LegalDecision - Reported when the cancellation cannot be accepted because of regulatory rules.
NARR: Narrative - Reason is provided as narrative information in the additional reason information.
NOAS: NoAnswerFromCustomer - No response from beneficiary (to the cancellation request).
NOOR: NoOriginalTransactionReceived - Original transaction (subject to cancellation) never received.
PTNA: PassedToTheNextAgent - Reported when the cancellation request cannot be accepted because the payment instruction has been passed to the next agent.
RQDA: RequestingDebitAuthority - Reported when authority is required by the Creditor to return the payment.
WSEQ: WrongSequence - Reported when the cancellation request cannot be processed because the sequence referred to in the request is not valid.
IDMN: CancellationIndemnityRequired - Complementing a Pending or Reject Status. Payment cancellation request cannot be accepted until an indemnity agreement is established.
ACLR: AlreadyCancelledRTP - Request-to-pay has already been cancelled.
AEXR: AlreadyExpiredRTP - Request-to-pay Expiry Date and Time has already passed.
ARFR: AlreadyRefusedRTP - Request-to-pay has already been refused by the Debtor.
ARJR: AlreadyRejectedRTP - Request-to-pay has already been rejected.
PATE: PaymentAlreadyTransmittedExecution - Payment related to the request-to-pay has already been transmitted for execution.
RR04: RegulatoryReason - Regulatory Reason.
RCAR: RfCAlreadyRejected - Request for cancellation of the request-to-pay has already been rejected.
RCNR: RfCNeverReceived - Request for cancellation of the request-to-pay has never been received.
RCPR: RfCReceivedAndProcessed - Request for cancellation of the request-to-pay has already been received and processed.
URTP: UnknownRTP - Request-to-pay is unknown.

Enum"AC04""ADAC""AGNT""AM04""ARDT""ARPL""CUST""LEGL""NARR""NOAS"

{
  "schema": "CODE",
  "value": "AC04"
}

operational

Operations

bulk

Operations

request-to-pay

Operations

refund

Operations

account-verification

Operations