flow-5

Step	Sender	Receiver	Process
24	Customer	Issuer	Customer performs the following: Confirm Transaction Information
25	Issuer	RPP	Debiting Agent performs the following : Validate Customer Response Expiry of RTP Request (861) receive during Retrieve Transaction Information (862) Any other validation Debit customer Send credit transfer request to RPP Start timer Note: Transaction Type: 070
26	RPP	Issuer	RPP performs the following: Message Logging Message Validation Message Format Validation Digital Signature Validation Business Validation Timeout Validation Payment Validation Check Check Request-to-Pay Staging Status Minimum Amount Check Maximum Amount Check If any Message Validation fails, RPP will: Send a REJECT response to Debiting Agent If any Business Validation fails, RPP will: Send a NEGATIVEresponse to Debiting Agent If all validations are successful, RPP will: Update liquidity positions of both Crediting Agent and Debiting Agent Update settlement totals Update Request-to-Pay Staging table status to ‘SUCC’ (Successful) Return Payment Status Response with Merchant Redirect URL/App ID Encrypts Debtor Account with Business Message ID Submits Credit Transfer Request to SAF Note: Timeout is set at 20 seconds Transaction Type: 070
27	RPP	DuitNow Pay	RPP performs the following: Notify Merchant of Update Payment Status via DuitNow Pay
28	DuitNow Pay	Merchant Acquirer/System Integrator	Payment status will be parsed to Merchant Acquirer/System Integrator as part of the webhook.
29	Merchant Acquirer/System Integrator	Merchant/Biller	Payment status will be parsed to Merchant/Biller as part of the webhook.
30	Merchant/Biller	Merchant Acquirer/System Integrator	Merchant/Biller shall provide an acknowledgment back to Merchant Acquirer/System Integrator.
31	Merchant Acquirer/System Integrator	DuitNow Pay	Merchant Acquirer/System Integrator shall provide an acknowledgment back to DuitNow Pay.
32	RPP	Acquirer	RPP performs the following: Check for SAF retry necessity based on the following parameters:- SAF Maximum Distribution Rate (msg/sec) aka TPS SAF Message Response Timer (sec) SAF Message Retry Limit SAF Open Session Limit SAF Timeout Count SAF Pause Period (sec) after consecutive timeouts If retry is required: Send repeat Credit Transfer Request to Acquirer Start timer Note: SAF will automatically send requests to Acquirer up to the maximum number of retries Once maximum retry has been exceeded with no response, Participant must check the Exceptional SAF Report Note: Transaction Type: 070
33	Acquirer	RPP	Acquirer performs the following: Message Validation Message Format Validation Digital Signature Verification If any Message Validation fails, Acquirer will: Send a REJECT response to RPP If all validations are successful, Acquirer will: Send a SUCCESSFULresponse to RPP Note: Transaction Type: 070
34	Issuer	Merchant	Issuer to display the result to customer and redirect customer back to merchant portal.