...Duitnow TransferIntegrationCredit Transfer

Credit Transfer

Note

A Credit Transfer is a push payment transaction of an amount from a bank account (the debtor account) to a beneficiary account (the creditor) that can be invoked from the Participants' various channels or touchpoints within their ecosystem. Some of these touchpoints may be Internet Banking, Mobile Banking, Branches, Kiosks and etc

The Originating Participant initiates a payment instruction that pushes a credit to the Receiving Participant. The instruction must be sent one at a time to RPP (in case of Bulk Credit Transfers)

Successful End-to-End Credit Transfer Flow

Step	Sender	Receiver	Process
1	Customer	Issuer (OFI)	Customer verifies the beneficiary account details and confirms on the payment
2	Issuer (OFI)	RPP	OFI performs the following: Authorize and validate the Instant Transfer transaction Anyinternal validations Debit source account If all validations are successful: Send Credit Transfer message request
3A,3B	RPP	Acquirer (RFI)	RPP performs the following: Message Validations Business Validations Liquidity Position Validations If any of the Message Validations fails: Return a REJECT response to OFI If any of the Business Validations fails: Return a NEGATIVE response to OFI If any of the Liquidity Position Validations fails: Return a NEGATIVE response to OFI If all validations are successful: Check if an Account Enquiry request has been made in prior within a stipulated time interval If Account Enquiry is NOT found (RPP is expected to always initiate an Account Enquiry Webhook prior to Credit Transfer. This control above is only meant for RPP internal handling under certain circumstances): Send Account Enquiry message request by using the same message but changing the transaction code from Credit Transfer to Account Enquiry Go to Step 4 If Account Enquiry is found: Send Credit Transfer message request
4	Acquirer (RFI)	RPP	RFI performs the following: Message Validations Business Validations Beneficiary Account Validations If any of the Message Validations fails: Send a REJECT response If any of the Business Validations fails: Send a NEGATIVE response If any of the Beneficiary Account Validations fails: Send a NEGATIVE response If all validations are successful: Send Account Enquiry message response with the necessary beneficiary account information
5	Acquirer (RFI)	RPP	RFI performs the following: Message Validations Business Validations If any of the Message Validations fails: Send a REJECT response If any of the Business Validations fails: Send a NEGATIVE response If any of the Beneficiary Account Validations fails: Send a NEGATIVE response If all validations are successful: Send Credit Transfer with successful message response Sends Acknowledgement Response
6	RPP	Issuer (OFI)	RPP performs the following: Message Validations Business Validations If any of the Message Validations fails: Send a REJECT response If any of the Business Validations fails: Send a NEGATIVE response If all validations are successful: Update liquidity and settlement positions of both OFI and RFI Send Credit Transfer message response Notes: If the signature received from RFI could not be verified: RPP will send ACCEPTED (signature error) response to the OFI if the RFI responds with a SUCCESSFUL transaction status RPP will send an actual REJECT response to the OFI if RFI responds with a REJECT transaction status This should take care of any message manipulation done within the data when a signature could not be verified
7	Issuer (OFI)	Customer	OFI performs the following: Message Validations Business Validations If all validations are successful: If SUCCESSFUL response is received: Display the Beneficiary Account Name to the Customer for payment confirmation If UNSUCCESSFUL response is received: Display an error message to the Customer

Exception Flows

RPP Failed to Receive Request from OFI

Condition	Actions	Alternatives
OFI sent a request to RPP. However, RPP did not receive the request As no response is received from RPP after x period of time, OFI eventually timeout	RPP shall: Timeout Return a NEGATIVE response with timeout reason OFI shall: Display an appropriate error message to the Customer Stop processing Initiate a Transaction Enquiry separately to confirm on the payment status	If retry is configured, OFI shall: If retry count has not exceeded the maximum number of retries Send a repeat request Continue processing If retry count has exceeded the maximum number of retries Display an ACCEPTED status message to Customer Stop processing Confirm the payment manually via Back Office portal

OFI Failed to Receive Response from RPP

Condition	Actions	Alternatives
OFI sent a request to RPP, and RPP did receive the request. However, RPP response did not reach to OFI As no response is received from RPP after x period of time, OFI eventually timeout	RPP shall: Timeout Return a NEGATIVE response with timeout reason OFI shall: Display an appropriate error message to the Customer Stop processing Initiate a Transaction Enquiry separately to confirm on the payment status	If retry is configured, OFI shall: If retry count has not exceeded the maximum number of retries Send a repeat request Continue processing If retry count has exceeded the maximum number of retries Display an ACCEPTED status message to Customer Stop processing Confirm the payment manually via Back Office portal

RFI Failed to Receive Request from RPP

Condition	Actions	Alternatives
RPP sent a request to RFI. However, RFI did not receive the request from RPP As no response is received from RFI after x period of time, RPP eventually timeout	RPP shall: Timeout Return a NEGATIVE response with timeout reason OFI shall: Display an appropriate error message to the Customer Stop processing Initiate a Transaction Enquiry separately to confirm on the payment status	If retry is configured, RPP shall: Store the request to SAF If retry count has not exceeded the maximum number of retries Send a repeat request Continue processing If retry count has exceeded the maximum number of retries Display an ACCEPTED status message to Customer Stop processing Confirm the payment manually via Back Office portal

RPP Failed to Receive Response from RFI

Condition	Actions	Alternatives
RPP sent a request to RFI, and RFI did receive the request. However, RFI response did not reach to RPP As no response is received from RFI after x period of time, RPP eventually timeout	RPP shall: Timeout Return a NEGATIVE response with timeout reason OFI shall: Display an appropriate error message to the Customer Stop processing	If retry is configured, RPP shall: Store the request to SAF If retry count has not exceeded the maximum number of retries Send a repeat request Continue processing If retry count has exceeded the maximum number of retries Display an ACCEPTED status message to Customer Stop processing Confirm the payment manually via Back Office portal