OriginalErrorResponse

A model containing the foundational elements shared across messages and generally expected in a message used during processing with the Electrum Regulated Payments API.

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

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.

schemastringrequired

Value"CreditTransferStatusRequest"

{
  "messageIdentifiers": {
    "creationDateTime": "2019-08-24T14:15:22Z",
    "messageIdentification": "string"
  },
  "supplementaryData": {
    "property1": "string",
    "property2": "string"
  },
  "originalMessageIdentifiers": {
    "creationDateTime": "2019-08-24T14:15:22Z",
    "messageIdentification": "string"
  },
  "originalTransactionIdentifiers": {
    "endToEndIdentification": "string",
    "instructionIdentification": "string",
    "transactionIdentification": "string",
    "uetr": "string"
  },
  "schema": "CreditTransferStatusRequest"
}

A model containing the necessary information to request a transfer funds between a payer and a payee

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.

amountsobject(TransactionAmounts)required

amounts.bankSettlementAmountobject(Amount)required

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

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

amounts.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.

amounts.instructedAmountobject(Amount)

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)required

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

creditorAccount.currencystring^[A-Z]{3}$

Identification of the currency in which the account is held.

creditorAccount.identificationobject(BankingIdentifier)

creditorAccount.namestring<= 70 characters

Name of the account, as assigned by the account servicing institution, in agreement with the account owner in order to provide an additional means of identification of the account.

creditorAccount.proxyobject(NonBankingIdentifier)

creditorAccount.typeobject(AccountType)

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)

instructionForCreditorAgentArray of objects(CreditorAgentInstruction)>= 0 items

Further information related to the processing of the payment instruction, provided by the initiating party, and intended for the creditor agent.

intermediaryAgentsArray of objects(InstitutionIdentification)<= 3 items

Agents between the debtor's agent and the creditor's agent. Usage: If more than one intermediary agent is present, then IntermediaryAgent1 identifies the agent between the DebtorAgent and the IntermediaryAgent2

paymentSchemeobject(CreditTransferPaymentScheme)required

Designates which scheme a customer credit transfer is associated with and describes scheme-specific information for the credit transfer.

paymentScheme.schemastringrequired

Discriminator

paymentScheme.schemeDataobject(CbprPlusCustomerCreditSchemeData)required

Information necessary for FI to FI customer credit transfers, specifically for CBPR+

paymentScheme.schemeData.chargeBearerstring(ChargeBearer)required

DEBT (BorneByDebtor): All transaction charges are to be borne by the debtor
CRED (BorneByCreditor): All transaction charges are to be borne by the creditor
SHAR (Shared): In a credit transfer context, means that transaction charges on the sender side are to be borne by the debtor, transaction charges on the receiver side are to be borne by the creditor. In a direct debit context, means that transaction charges on the sender side are to be borne by the creditor, transaction charges on the receiver side are to be borne by the debtor.
SLEV (FollowingServiceLevel): Charges are to be applied following the rules agreed in the service level and/or scheme

Enum"DEBT""CRED""SHAR""SLEV"

paymentScheme.schemeData.chargesArray of objects(Charge)

paymentScheme.schemeData.exchangeRatenumber(double)

Factor used to convert an amount from one currency into another. This reflects the price at which one currency was bought with another currency.

paymentScheme.schemeData.regulatoryReportingArray of objects(RegulatoryReporting)<= 10 items

paymentTypeInformationobject(PaymentTypeInformation)

previousInstructingAgentsArray of objects(InstitutionIdentification)<= 3 items

Agent(s) between the debtor's agent and the instructing agent.

purposeobject(PurposeType)

Specifies the underlying reason for the payment transaction

remittanceInformationobject(RemittanceInformation)

schemastringrequired

Value"CreditTransfer"

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.

taxobject(TaxInformation)

{
  "messageIdentifiers": {
    "creationDateTime": "2019-08-24T14:15:22Z",
    "messageIdentification": "string"
  },
  "supplementaryData": {
    "property1": "string",
    "property2": "string"
  },
  "transactionIdentifiers": {
    "endToEndIdentification": "string",
    "instructionIdentification": "string",
    "transactionIdentification": "string",
    "uetr": "string"
  },
  "amounts": {
    "bankSettlementAmount": { … },
    "instructedAmount": { … }
  },
  "creditor": {
    "address": { … },
    "contactDetails": { … },
    "countryOfResidence": "string",
    "identification": { … },
    "knownAsName": "string",
    "legalName": "string"
  },
  "creditorAccount": {
    "currency": "string",
    "identification": { … },
    "name": "string",
    "proxy": { … },
    "type": { … }
  },
  "creditorAgent": {
    "additionalIdentifications": [ … ],
    "address": { … },
    "bicfi": "string",
    "branch": { … },
    "clearingSystemMemberId": { … },
    "companyRegistration": "string",
    "lei": "string",
    "memberId": "string",
    "name": "string"
  },
  "debtor": {
    "address": { … },
    "contactDetails": { … },
    "countryOfResidence": "string",
    "identification": { … },
    "knownAsName": "string",
    "legalName": "string"
  },
  "debtorAccount": {
    "currency": "string",
    "identification": { … },
    "name": "string",
    "proxy": { … },
    "type": { … }
  },
  "debtorAgent": {
    "additionalIdentifications": [ … ],
    "address": { … },
    "bicfi": "string",
    "branch": { … },
    "clearingSystemMemberId": { … },
    "companyRegistration": "string",
    "lei": "string",
    "memberId": "string",
    "name": "string"
  },
  "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"
  },
  "instructionForCreditorAgent": [
    { … }
  ],
  "intermediaryAgents": [
    { … }
  ],
  "paymentScheme": {
    "schema": "ZA_RTC",
    "schemeData": { … }
  },
  "paymentTypeInformation": {
    "categoryPurpose": { … },
    "localInstrument": { … },
    "serviceLevel": [ … ]
  },
  "previousInstructingAgents": [
    { … }
  ],
  "purpose": {
    "schema": "string",
    "value": "BKDF"
  },
  "remittanceInformation": {
    "structured": [ … ],
    "unstructured": [ … ]
  },
  "schema": "CreditTransfer",
  "settlementDate": "2019-08-24",
  "tax": {
    "totalAmount": { … }
  }
}

EPC API for calling Electrum (17.1.0)

credit-transfer

scheme-inquiry

request-to-pay

Schema

CreditTransferStatusRequest

OriginalErrorResponse

CreditTransfer

transactional

financial

identifier-determination

bulk

refund