Electrum Regulated Payments API (17.1.0)

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.json

elpapi.yaml

Overview

URL

https://electrum.co.za

Electrum Support

support@electrum.co.za

License

proprietary

Servers

Mock server

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

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

Respond to an inbound return for an earlier outbound customer direct debit or customer credit transfer.

Request

This operation is asynchronous. It starts with the inboundPaymentReturn operation

This operation is called by partners to provide a response to an inbound payment return for an earlier outbound FI-to-FI-customer credit transfer or FI-to-FI-customer direct debit. Note that some payment schemes may not support rejecting the return. In these cases, a rejected response will cause Electrum to mark the transaction as broken.

Scheme	Applicable
ZA_EFT	✓
ZA_RPP	✗
ZA_RTC	✗
CBPR+	✗

Headers

traceparentstring(traceparent)^[A-Fa-f0-9]{2}\-[A-Fa-f0-9]{32}\-[A-Fa-f0-9]...

A value used to trace an HTTP message within an Electrum Regulated Payments implementation. This field must be set as per the traceparent element defined in the W3C Trace Context Level 2 specification.

tracestatestring(tracestate)^[A-Za-z0-9=, _\*/@]{0,1024}$

A value used to provide context to an HTTP message as it is traced within an Electrum Regulated Payments implementation. This field must be set as per the traceparent element defined in the W3C Trace Context Level 2 specification.

Bodyapplication/jsonrequired

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.

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

transactionIdentifiersobject(TransactionIdentifiers)required

Holds a series of identifiers to identify the transaction or an individual message that is part of a transaction.

transactionIdentifiers.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.

transactionIdentifiers.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.

transactionIdentifiers.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.

transactionIdentifiers.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.

instructedAgentobject(InstitutionIdentification)

instructingAgentobject(InstitutionIdentification)

statusobject(Status)required

status.outcomestringrequired

APPROVED: The instruction has been approved.
CANCELLED: The instruction has been cancelled.
PENDING: The instruction is pending.
REJECTED: The instruction has been rejected.

Enum"APPROVED""CANCELLED""PENDING""REJECTED"

status.reasonInfoArray of objects(StatusReasonInfo)non-empty

A list of StatusReasonInfo values providing detailed reason information for the outcome.

originalTransactionDataobject(OriginalTransactionData)

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

paymentSchemeobject(PaymentStatusReportPaymentScheme)required

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

paymentScheme.schemastringrequired

Discriminator

schemastringrequired

Value"PaymentStatusReport"

curl -i -X POST \
  https://docs.electrumsoftware.com/_mock/openapi/elpapi/elpapi/transactions/inbound/payment-return-response \
  -H 'Content-Type: application/json' \
  -H 'traceparent: string' \
  -H 'tracestate: string' \
  -d '{
    "schema": "PaymentStatusReport",
    "messageIdentifiers": {
      "messageIdentification": "9fd51c1234ba4819bbheyde296a68e1da",
      "creationDateTime": "2022-05-04T03:22:11Z"
    },
    "originalMessageIdentifiers": {
      "messageIdentification": "8fd51c7124ba4819b9253e296a68e1da",
      "creationDateTime": "2022-05-04T03:02:01Z"
    },
    "paymentScheme": {
      "schema": "ZA_EFT"
    },
    "transactionIdentifiers": {
      "endToEndIdentification": "6249118655591098",
      "transactionIdentification": "RRN000000001",
      "uetr": "f27a34ad-c5ab-4b70-a3f9-946d743eaeaa"
    },
    "status": {
      "outcome": "APPROVED",
      "reasonInfo": [
        {
          "reason": {
            "schema": "CODE",
            "value": "ACSC"
          },
          "additionalInformation": "Settlement completed on debtor account"
        }
      ]
    },
    "instructingAgent": {
      "bicfi": "RY8PEG0L",
      "memberId": "AmazingBankId",
      "name": "Amazing Bank Inc",
      "branch": {
        "identification": 210514,
        "name": "ABC Plettenberg Bay",
        "address": {
          "addressType": "ADDR",
          "department": "Department of Mysteries",
          "streetName": "Street of Mysteries",
          "buildingNumber": 42,
          "buildingName": "Mysterious Building",
          "floor": 42,
          "postBox": 1024,
          "postCode": 4242,
          "townName": "Mysty Town",
          "townLocationName": "Mysty Location",
          "districtName": "Mysty District",
          "countrySubDivision": "Mysterious Cape",
          "country": "ZA",
          "addressLine": [
            "16A",
            "New market street",
            "Foreshore",
            "Cape Town",
            "ZA",
            8001
          ]
        }
      }
    },
    "instructedAgent": {
      "bicfi": "RY8PEG0L",
      "memberId": "AmazingBankId",
      "name": "Amazing Bank Inc",
      "branch": {
        "identification": 210514,
        "name": "ABC Plettenberg Bay",
        "address": {
          "addressType": "ADDR",
          "department": "Department of Mysteries",
          "streetName": "Street of Mysteries",
          "buildingNumber": 42,
          "buildingName": "Mysterious Building",
          "floor": 42,
          "postBox": 1024,
          "postCode": 4242,
          "townName": "Mysty Town",
          "townLocationName": "Mysty Location",
          "districtName": "Mysty District",
          "countrySubDivision": "Mysterious Cape",
          "country": "ZA",
          "addressLine": [
            "16A",
            "New market street",
            "Foreshore",
            "Cape Town",
            "ZA",
            8001
          ]
        }
      }
    },
    "originalTransactionData": {
      "paymentMethod": "CreditTransfer",
      "creditor": {
        "address": {
          "addressType": "ADDR",
          "department": "Department of Mysteries",
          "streetName": "Street of Mysteries",
          "buildingNumber": "42",
          "buildingName": "Mysterious Building",
          "floor": "42",
          "postBox": "1024",
          "postCode": "4242",
          "townName": "Mysty Town",
          "townLocationName": "Mysty Location",
          "districtName": "Mysty District",
          "countrySubDivision": "Mysterious Cape",
          "country": "ZA",
          "addressLine": [
            "16A",
            "New market street",
            "Foreshore",
            "Cape Town",
            "ZA",
            "8001"
          ]
        },
        "contactDetails": {
          "phoneNumber": "+27-0214620000",
          "mobileNumber": "+27-08230000000",
          "emailAddress": "developer.dave@electrum.com"
        },
        "countryOfResidence": "ZA",
        "identification": {
          "schema": "PERSON",
          "identifiers": [
            {
              "identification": "90001236549870",
              "scheme": {
                "schema": "CODE",
                "value": "NIDN"
              },
              "issuer": "Dept of Home Affairs"
            }
          ]
        }
      },
      "creditorAccount": {
        "identification": {
          "schema": "GENERIC",
          "scheme": {
            "schema": "PROPRIETARY",
            "value": "AProprietaryCode123"
          },
          "issuer": "Amazing Bank",
          "value": "abcdef987654"
        },
        "type": {
          "schema": "CODE",
          "value": "CACC"
        }
      },
      "creditorAgent": {
        "bicfi": "RY8PEG0L",
        "memberId": "AmazingBankId",
        "name": "Amazing Bank Inc",
        "branch": {
          "identification": 210514,
          "name": "ABC Plettenberg Bay",
          "address": {
            "addressType": "ADDR",
            "department": "Department of Mysteries",
            "streetName": "Street of Mysteries",
            "buildingNumber": 42,
            "buildingName": "Mysterious Building",
            "floor": 42,
            "postBox": 1024,
            "postCode": 4242,
            "townName": "Mysty Town",
            "townLocationName": "Mysty Location",
            "districtName": "Mysty District",
            "countrySubDivision": "Mysterious Cape",
            "country": "ZA",
            "addressLine": [
              "16A",
              "New market street",
              "Foreshore",
              "Cape Town",
              "ZA",
              8001
            ]
          }
        }
      },
      "amounts": {
        "bankSettlementAmount": {
          "value": 1,
          "currency": "ZAR"
        },
        "instructedAmount": {
          "value": 1,
          "currency": "ZAR"
        }
      },
      "remittanceInformation": {
        "unstructured": [
          "some",
          "unstructured",
          "information"
        ],
        "structured": [
          {
            "referredDocuments": [
              {
                "type": {
                  "issuer": "AmazeBank123456",
                  "schema": "CODE",
                  "value": "CINV"
                },
                "documentIdentifier": "A0123456789"
              }
            ],
            "referredDocumentAmount": {
              "duePayableAmount": {
                "value": 1,
                "currency": "ZAR"
              },
              "remittedAmount": {
                "value": 1,
                "currency": "ZAR"
              }
            },
            "creditorReference": {
              "type": {
                "issuer": "AnotherAmazeBank1234",
                "schema": "CODE",
                "value": "RADM"
              },
              "reference": "ABC123XYZ999"
            },
            "additionalRemittanceInformation": [
              "Some",
              "Additional",
              "Information"
            ]
          }
        ]
      },
      "debtor": {
        "address": {
          "addressType": "ADDR",
          "department": "Department of Mysteries",
          "streetName": "Street of Mysteries",
          "buildingNumber": "42",
          "buildingName": "Mysterious Building",
          "floor": "42",
          "postBox": "1024",
          "postCode": "4242",
          "townName": "Mysty Town",
          "townLocationName": "Mysty Location",
          "districtName": "Mysty District",
          "countrySubDivision": "Mysterious Cape",
          "country": "ZA",
          "addressLine": [
            "16A",
            "New market street",
            "Foreshore",
            "Cape Town",
            "ZA",
            "8001"
          ]
        },
        "contactDetails": {
          "phoneNumber": "+27-0214620000",
          "mobileNumber": "+27-08230000000",
          "emailAddress": "developer.dave@electrum.com"
        },
        "countryOfResidence": "ZA",
        "identification": {
          "schema": "PERSON",
          "identifiers": [
            {
              "identification": "90001236549870",
              "scheme": {
                "schema": "CODE",
                "value": "NIDN"
              },
              "issuer": "Dept of Home Affairs"
            }
          ]
        }
      },
      "debtorAccount": {
        "identification": {
          "schema": "GENERIC",
          "scheme": {
            "schema": "PROPRIETARY",
            "value": "AProprietaryCode123"
          },
          "issuer": "Amazing Bank",
          "value": "abcdef987654"
        },
        "type": {
          "schema": "CODE",
          "value": "CACC"
        }
      },
      "debtorAgent": {
        "bicfi": "RY8PEG0L",
        "memberId": "AmazingBankId",
        "name": "Amazing Bank Inc",
        "branch": {
          "identification": 210514,
          "name": "ABC Plettenberg Bay",
          "address": {
            "addressType": "ADDR",
            "department": "Department of Mysteries",
            "streetName": "Street of Mysteries",
            "buildingNumber": 42,
            "buildingName": "Mysterious Building",
            "floor": 42,
            "postBox": 1024,
            "postCode": 4242,
            "townName": "Mysty Town",
            "townLocationName": "Mysty Location",
            "districtName": "Mysty District",
            "countrySubDivision": "Mysterious Cape",
            "country": "ZA",
            "addressLine": [
              "16A",
              "New market street",
              "Foreshore",
              "Cape Town",
              "ZA",
              8001
            ]
          }
        }
      },
      "supplementaryData": {
        "customData1": "My custom data 1",
        "customData2": "My custom data 2"
      },
      "paymentTypeInformation": {
        "localInstrument": {
          "schema": "CODE",
          "value": "BTR"
        }
      }
    }
  }'

Responses

Accepted. RFC9110 - 202

Response

No content

Perform an outbound return for an earlier inbound customer direct debit or customer credit transfer.

Request

This operation is asynchronous. It is responded to by the outboundPaymentReturnResponse operation.

Instructs Electrum to execute a return transaction that will return funds to the debtor of an earlier inbound FI-to-FI-customer direct debit or deduct funds from the creditor of an earlier inbound FI-to-FI-customer credit transfer.

Scheme	Applicable
ZA_EFT	✓
ZA_RPP	✗
ZA_RTC	✗
CBPR+	✗

Headers

traceparentstring(traceparent)^[A-Fa-f0-9]{2}\-[A-Fa-f0-9]{32}\-[A-Fa-f0-9]...

tracestatestring(tracestate)^[A-Za-z0-9=, _\*/@]{0,1024}$

Bodyapplication/jsonrequired

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.

transactionIdentifiersobject(TransactionIdentifiers)required

Holds a series of identifiers to identify the transaction or an individual message that is part of a transaction.

transactionIdentifiers.endToEndIdentificationstring<= 35 charactersrequired

transactionIdentifiers.instructionIdentificationstring<= 35 characters

transactionIdentifiers.transactionIdentificationstring<= 35 characters

transactionIdentifiers.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.

creditorobject(Party)required

This model is the basic representation of a Party. It is expanded on depending on whether the party is a person or an organisation.

creditor.addressobject(PostalAddress)

creditor.contactDetailsobject(ContactDetails)

creditor.countryOfResidencestring(CountryCode)[A-Z]{2,2}

A code to identify a country, a dependency, or another area of particular geopolitical interest, on the basis of country names obtained from the United Nations (ISO 3166, Alpha-2 code).

creditor.identificationobject(PartyIdentification)

The identification of a party, either a person or an organisation.

creditor.knownAsNamestring[ 1 .. 140 ] characters

The name by which this party is commonly known in day to day use. For example, a shortening of their legal name or a nickname that they commonly use. This is "non-official". However, it is acceptable for this field to be set to the same as legalName.

creditor.legalNamestring[ 1 .. 140 ] characters

The legal name by which this party is known (the "FICA" name). This is the full name of the party as found on country-issued documentation (national identity, company registration documentation etc).

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)required

creditorAgent.additionalIdentificationsArray of objects(AccountIdentification)

creditorAgent.addressobject(PostalAddress)

creditorAgent.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)

creditorAgent.branchobject(BranchIdentification)

creditorAgent.clearingSystemMemberIdobject(ClearingSystemMemberIdentification)

creditorAgent.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).

creditorAgent.namestring<= 140 characters

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

creditorAgent.companyRegistrationstring<= 35 charactersDeprecated

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

creditorAgent.memberIdstring<= 35 charactersDeprecated

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

debtorobject(Party)required

This model is the basic representation of a Party. It is expanded on depending on whether the party is a person or an organisation.

debtor.addressobject(PostalAddress)

debtor.contactDetailsobject(ContactDetails)

debtor.countryOfResidencestring(CountryCode)[A-Z]{2,2}

A code to identify a country, a dependency, or another area of particular geopolitical interest, on the basis of country names obtained from the United Nations (ISO 3166, Alpha-2 code).

debtor.identificationobject(PartyIdentification)

The identification of a party, either a person or an organisation.

debtor.knownAsNamestring[ 1 .. 140 ] characters

debtor.legalNamestring[ 1 .. 140 ] characters

The legal name by which this party is known (the "FICA" name). This is the full name of the party as found on country-issued documentation (national identity, company registration documentation etc).

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)required

debtorAgent.additionalIdentificationsArray of objects(AccountIdentification)

debtorAgent.addressobject(PostalAddress)

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

debtorAgent.branchobject(BranchIdentification)

debtorAgent.clearingSystemMemberIdobject(ClearingSystemMemberIdentification)

debtorAgent.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).

debtorAgent.namestring<= 140 characters

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

debtorAgent.companyRegistrationstring<= 35 charactersDeprecated

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

debtorAgent.memberIdstring<= 35 charactersDeprecated

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

instructedAgentobject(InstitutionIdentification)

instructingAgentobject(InstitutionIdentification)

originalMessageIdentifiersobject(MessageIdentifiers)

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

originalTransactionDataobject(OriginalTransactionData)

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

paymentSchemeobject(PaymentReturnPaymentScheme)required

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

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.
CBPR_PLUS: Cross-Border Payments and Reporting Plus.

Enum"ZA_RTC""ZA_RPP""ZA_EFT""CBPR_PLUS"

Discriminator

paymentScheme.schemeDataobject(ZaEftPaymentReturnPaymentSchemeData)required

paymentScheme.schemeData.returnTypestringrequired

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"

paymentScheme.schemeData.shortenedCreditorAccountNumberstring(ShortenedAccountNumber)= 11 characters

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.

paymentScheme.schemeData.shortenedDebtorAccountNumberstring(ShortenedAccountNumber)= 11 characters

paymentTypeInformationobject(PaymentTypeInformation)

reasonInfoArray of objects(ReturnReasonInfo)non-empty

A list of ReturnReasonInfo values providing detailed reason information for the return.

returnedAmountsobject(TransactionAmounts)required

returnedAmounts.bankSettlementAmountobject(Amount)required

returnedAmounts.bankSettlementAmount.currencystring^[A-Z]{3}$required

A valid, active currency code as defined in ISO 4217 indicating the currency of the amount.

returnedAmounts.bankSettlementAmount.valuenumber(double)>= 0required

The payment amount in the denomination of the indicated currency, in the format '. with the number of minor units (fractional digits) compliant with the number of decimal places published in ISO 4217.

Currency Code	Example	Valid	Notes
USD	10.0	✓	Represents 10 USD and no cents.
USD	10.00	✓
USD	10.001	✗	US dollar does not support three decimal places.
JPY	10.0	✓	Represents 10 Japanese Yen.
JPY	10.1	✗	Japanese Yen does not support decimal places.

returnedAmounts.instructedAmountobject(Amount)

schemastringrequired

Value"PaymentReturn"

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.

curl -i -X POST \
  https://docs.electrumsoftware.com/_mock/openapi/elpapi/elpapi/transactions/outbound/payment-return \
  -H 'Content-Type: application/json' \
  -H 'traceparent: string' \
  -H 'tracestate: string' \
  -d '{
    "schema": "PaymentReturn",
    "messageIdentifiers": {
      "messageIdentification": "9fd51c1234ba4819bbheyde296a68e1da",
      "creationDateTime": "2022-05-04T03:22:11Z"
    },
    "originalMessageIdentifiers": {
      "messageIdentification": "8fd51c7124ba4819b9253e296a68e1da",
      "creationDateTime": "2022-05-04T03:02:01Z"
    },
    "paymentScheme": {
      "schema": "ZA_EFT",
      "schemeData": {
        "returnType": "UNPAID"
      }
    },
    "paymentTypeInformation": {
      "localInstrument": {
        "schema": "CODE",
        "value": "BTR"
      }
    },
    "transactionIdentifiers": {
      "endToEndIdentification": "6249118655591098",
      "transactionIdentification": "RRN000000001",
      "uetr": "f27a34ad-c5ab-4b70-a3f9-946d743eaeaa"
    },
    "reasonInfo": [
      {
        "reason": {
          "schema": "CODE",
          "value": "AC01"
        },
        "additionalInformation": "string"
      }
    ],
    "returnedAmounts": {
      "bankSettlementAmount": {
        "value": 1,
        "currency": "ZAR"
      },
      "instructedAmount": {
        "value": 1,
        "currency": "ZAR"
      }
    },
    "settlementDate": "2022-05-04",
    "instructingAgent": {
      "bicfi": "RY8PEG0L",
      "memberId": "AmazingBankId",
      "name": "Amazing Bank Inc",
      "branch": {
        "identification": 210514,
        "name": "ABC Plettenberg Bay",
        "address": {
          "addressType": "ADDR",
          "department": "Department of Mysteries",
          "streetName": "Street of Mysteries",
          "buildingNumber": 42,
          "buildingName": "Mysterious Building",
          "floor": 42,
          "postBox": 1024,
          "postCode": 4242,
          "townName": "Mysty Town",
          "townLocationName": "Mysty Location",
          "districtName": "Mysty District",
          "countrySubDivision": "Mysterious Cape",
          "country": "ZA",
          "addressLine": [
            "16A",
            "New market street",
            "Foreshore",
            "Cape Town",
            "ZA",
            8001
          ]
        }
      }
    },
    "instructedAgent": {
      "bicfi": "RY8PEG0L",
      "memberId": "AmazingBankId",
      "name": "Amazing Bank Inc",
      "branch": {
        "identification": 210514,
        "name": "ABC Plettenberg Bay",
        "address": {
          "addressType": "ADDR",
          "department": "Department of Mysteries",
          "streetName": "Street of Mysteries",
          "buildingNumber": 42,
          "buildingName": "Mysterious Building",
          "floor": 42,
          "postBox": 1024,
          "postCode": 4242,
          "townName": "Mysty Town",
          "townLocationName": "Mysty Location",
          "districtName": "Mysty District",
          "countrySubDivision": "Mysterious Cape",
          "country": "ZA",
          "addressLine": [
            "16A",
            "New market street",
            "Foreshore",
            "Cape Town",
            "ZA",
            8001
          ]
        }
      }
    },
    "creditor": {
      "address": {
        "addressType": "ADDR",
        "department": "Department of Mysteries",
        "streetName": "Street of Mysteries",
        "buildingNumber": "42",
        "buildingName": "Mysterious Building",
        "floor": "42",
        "postBox": "1024",
        "postCode": "4242",
        "townName": "Mysty Town",
        "townLocationName": "Mysty Location",
        "districtName": "Mysty District",
        "countrySubDivision": "Mysterious Cape",
        "country": "ZA",
        "addressLine": [
          "16A",
          "New market street",
          "Foreshore",
          "Cape Town",
          "ZA",
          "8001"
        ]
      },
      "contactDetails": {
        "phoneNumber": "+27-0214620000",
        "mobileNumber": "+27-08230000000",
        "emailAddress": "developer.dave@electrum.com"
      },
      "countryOfResidence": "ZA",
      "identification": {
        "schema": "PERSON",
        "identifiers": [
          {
            "identification": "90001236549870",
            "scheme": {
              "schema": "CODE",
              "value": "NIDN"
            },
            "issuer": "Dept of Home Affairs"
          }
        ]
      }
    },
    "creditorAccount": {
      "identification": {
        "schema": "GENERIC",
        "scheme": {
          "schema": "PROPRIETARY",
          "value": "AProprietaryCode123"
        },
        "issuer": "Amazing Bank",
        "value": "abcdef987654"
      },
      "type": {
        "schema": "CODE",
        "value": "CACC"
      }
    },
    "creditorAgent": {
      "bicfi": "RY8PEG0L",
      "memberId": "AmazingBankId",
      "name": "Amazing Bank Inc",
      "branch": {
        "identification": 210514,
        "name": "ABC Plettenberg Bay",
        "address": {
          "addressType": "ADDR",
          "department": "Department of Mysteries",
          "streetName": "Street of Mysteries",
          "buildingNumber": 42,
          "buildingName": "Mysterious Building",
          "floor": 42,
          "postBox": 1024,
          "postCode": 4242,
          "townName": "Mysty Town",
          "townLocationName": "Mysty Location",
          "districtName": "Mysty District",
          "countrySubDivision": "Mysterious Cape",
          "country": "ZA",
          "addressLine": [
            "16A",
            "New market street",
            "Foreshore",
            "Cape Town",
            "ZA",
            8001
          ]
        }
      }
    },
    "debtor": {
      "address": {
        "addressType": "ADDR",
        "department": "Department of Mysteries",
        "streetName": "Street of Mysteries",
        "buildingNumber": "42",
        "buildingName": "Mysterious Building",
        "floor": "42",
        "postBox": "1024",
        "postCode": "4242",
        "townName": "Mysty Town",
        "townLocationName": "Mysty Location",
        "districtName": "Mysty District",
        "countrySubDivision": "Mysterious Cape",
        "country": "ZA",
        "addressLine": [
          "16A",
          "New market street",
          "Foreshore",
          "Cape Town",
          "ZA",
          "8001"
        ]
      },
      "contactDetails": {
        "phoneNumber": "+27-0214620000",
        "mobileNumber": "+27-08230000000",
        "emailAddress": "developer.dave@electrum.com"
      },
      "countryOfResidence": "ZA",
      "identification": {
        "schema": "PERSON",
        "identifiers": [
          {
            "identification": "90001236549870",
            "scheme": {
              "schema": "CODE",
              "value": "NIDN"
            },
            "issuer": "Dept of Home Affairs"
          }
        ]
      }
    },
    "debtorAccount": {
      "identification": {
        "schema": "GENERIC",
        "scheme": {
          "schema": "PROPRIETARY",
          "value": "AProprietaryCode123"
        },
        "issuer": "Amazing Bank",
        "value": "abcdef987654"
      },
      "type": {
        "schema": "CODE",
        "value": "CACC"
      }
    },
    "debtorAgent": {
      "bicfi": "RY8PEG0L",
      "memberId": "AmazingBankId",
      "name": "Amazing Bank Inc",
      "branch": {
        "identification": 210514,
        "name": "ABC Plettenberg Bay",
        "address": {
          "addressType": "ADDR",
          "department": "Department of Mysteries",
          "streetName": "Street of Mysteries",
          "buildingNumber": 42,
          "buildingName": "Mysterious Building",
          "floor": 42,
          "postBox": 1024,
          "postCode": 4242,
          "townName": "Mysty Town",
          "townLocationName": "Mysty Location",
          "districtName": "Mysty District",
          "countrySubDivision": "Mysterious Cape",
          "country": "ZA",
          "addressLine": [
            "16A",
            "New market street",
            "Foreshore",
            "Cape Town",
            "ZA",
            8001
          ]
        }
      }
    },
    "originalTransactionData": {
      "settlementDate": "2022-05-04",
      "creditor": {
        "address": {
          "addressType": "ADDR",
          "department": "Department of Mysteries",
          "streetName": "Street of Mysteries",
          "buildingNumber": "42",
          "buildingName": "Mysterious Building",
          "floor": "42",
          "postBox": "1024",
          "postCode": "4242",
          "townName": "Mysty Town",
          "townLocationName": "Mysty Location",
          "districtName": "Mysty District",
          "countrySubDivision": "Mysterious Cape",
          "country": "ZA",
          "addressLine": [
            "16A",
            "New market street",
            "Foreshore",
            "Cape Town",
            "ZA",
            "8001"
          ]
        },
        "contactDetails": {
          "phoneNumber": "+27-0214620000",
          "mobileNumber": "+27-08230000000",
          "emailAddress": "developer.dave@electrum.com"
        },
        "countryOfResidence": "ZA",
        "identification": {
          "schema": "PERSON",
          "identifiers": [
            {
              "identification": "90001236549870",
              "scheme": {
                "schema": "CODE",
                "value": "NIDN"
              },
              "issuer": "Dept of Home Affairs"
            }
          ]
        }
      },
      "creditorAccount": {
        "identification": {
          "schema": "GENERIC",
          "scheme": {
            "schema": "PROPRIETARY",
            "value": "AProprietaryCode123"
          },
          "issuer": "Amazing Bank",
          "value": "abcdef987654"
        },
        "type": {
          "schema": "CODE",
          "value": "CACC"
        }
      },
      "creditorAgent": {
        "bicfi": "RY8PEG0L",
        "memberId": "AmazingBankId",
        "name": "Amazing Bank Inc",
        "branch": {
          "identification": 210514,
          "name": "ABC Plettenberg Bay",
          "address": {
            "addressType": "ADDR",
            "department": "Department of Mysteries",
            "streetName": "Street of Mysteries",
            "buildingNumber": 42,
            "buildingName": "Mysterious Building",
            "floor": 42,
            "postBox": 1024,
            "postCode": 4242,
            "townName": "Mysty Town",
            "townLocationName": "Mysty Location",
            "districtName": "Mysty District",
            "countrySubDivision": "Mysterious Cape",
            "country": "ZA",
            "addressLine": [
              "16A",
              "New market street",
              "Foreshore",
              "Cape Town",
              "ZA",
              8001
            ]
          }
        }
      },
      "amounts": {
        "bankSettlementAmount": {
          "value": 1,
          "currency": "ZAR"
        },
        "instructedAmount": {
          "value": 1,
          "currency": "ZAR"
        }
      },
      "remittanceInformation": {
        "unstructured": [
          "some",
          "unstructured",
          "information"
        ],
        "structured": [
          {
            "referredDocuments": [
              {
                "type": {
                  "issuer": "AmazeBank123456",
                  "schema": "CODE",
                  "value": "CINV"
                },
                "documentIdentifier": "A0123456789"
              }
            ],
            "referredDocumentAmount": {
              "duePayableAmount": {
                "value": 1,
                "currency": "ZAR"
              },
              "remittedAmount": {
                "value": 1,
                "currency": "ZAR"
              }
            },
            "creditorReference": {
              "type": {
                "issuer": "AnotherAmazeBank1234",
                "schema": "CODE",
                "value": "RADM"
              },
              "reference": "ABC123XYZ999"
            },
            "additionalRemittanceInformation": [
              "Some",
              "Additional",
              "Information"
            ]
          }
        ]
      },
      "debtor": {
        "address": {
          "addressType": "ADDR",
          "department": "Department of Mysteries",
          "streetName": "Street of Mysteries",
          "buildingNumber": "42",
          "buildingName": "Mysterious Building",
          "floor": "42",
          "postBox": "1024",
          "postCode": "4242",
          "townName": "Mysty Town",
          "townLocationName": "Mysty Location",
          "districtName": "Mysty District",
          "countrySubDivision": "Mysterious Cape",
          "country": "ZA",
          "addressLine": [
            "16A",
            "New market street",
            "Foreshore",
            "Cape Town",
            "ZA",
            "8001"
          ]
        },
        "contactDetails": {
          "phoneNumber": "+27-0214620000",
          "mobileNumber": "+27-08230000000",
          "emailAddress": "developer.dave@electrum.com"
        },
        "countryOfResidence": "ZA",
        "identification": {
          "schema": "PERSON",
          "identifiers": [
            {
              "identification": "90001236549870",
              "scheme": {
                "schema": "CODE",
                "value": "NIDN"
              },
              "issuer": "Dept of Home Affairs"
            }
          ]
        }
      },
      "debtorAccount": {
        "identification": {
          "schema": "GENERIC",
          "scheme": {
            "schema": "PROPRIETARY",
            "value": "AProprietaryCode123"
          },
          "issuer": "Amazing Bank",
          "value": "abcdef987654"
        },
        "type": {
          "schema": "CODE",
          "value": "CACC"
        }
      },
      "debtorAgent": {
        "bicfi": "RY8PEG0L",
        "memberId": "AmazingBankId",
        "name": "Amazing Bank Inc",
        "branch": {
          "identification": 210514,
          "name": "ABC Plettenberg Bay",
          "address": {
            "addressType": "ADDR",
            "department": "Department of Mysteries",
            "streetName": "Street of Mysteries",
            "buildingNumber": 42,
            "buildingName": "Mysterious Building",
            "floor": 42,
            "postBox": 1024,
            "postCode": 4242,
            "townName": "Mysty Town",
            "townLocationName": "Mysty Location",
            "districtName": "Mysty District",
            "countrySubDivision": "Mysterious Cape",
            "country": "ZA",
            "addressLine": [
              "16A",
              "New market street",
              "Foreshore",
              "Cape Town",
              "ZA",
              8001
            ]
          }
        }
      }
    }
  }'

Responses

Accepted. RFC9110 - 202

Response

No content

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

Schema

operational

Operations

bulk

Operations

accounts

Operations

account-verification

Operations

Electrum Regulated Payments API (17.1.0)

transactional

financial

credit-transfer

direct-debit

payment-return

Respond to an inbound return for an earlier outbound customer direct debit or customer credit transfer.

Request

Responses

Was this page helpful?

Perform an outbound return for an earlier inbound customer direct debit or customer credit transfer.

Request

Responses

Was this page helpful?

account-management

proxy

scheme-inquiry

identifier-determination

identifier-verification

request-to-pay

funds-management

refund

Schema

operational

bulk

accounts

account-verification

Electrum Regulated Payments API (17.1.0)

transactional

financial

credit-transfer

direct-debit

payment-return

Respond to an inbound return for an earlier outbound customer direct debit or customer credit transfer.

RequestExpand all

Responses

Was this page helpful?

Perform an outbound return for an earlier inbound customer direct debit or customer credit transfer.

RequestExpand all

Responses

Was this page helpful?

account-management

proxy

scheme-inquiry

identifier-determination

identifier-verification

request-to-pay

funds-management

refund

Schema

operational

bulk

accounts

account-verification

Request

Request