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Integration Guidelines: A2A Instant Payments
ForғProduct managers and program developers of WalletsClub full participants
1: Send or receive money
Standard procedure
Messageғpacs.008
ISO 20022 Messaging Specifications
Scope
The FinancialInstitutionToFinancialInstitutionCustomerCreditTransfer message is sent by the debtor agent to the creditor
agent, directly or through other agents and/or a payment clearing and settlement system. It is used to move funds from a
debtor account to a creditor.
Usage
The FIToFICustomerCreditTransfer message is exchanged between agents and can contain one or more customer credit
transfer instructions.
The FIToFICustomerCreditTransfer message does not allow for grouping: a CreditTransferTransactionInformation block
must be present for each credit transfer transaction.
The FIToFICustomerCreditTransfer message can be used in different ways:
If the instructing agent and the instructed agent wish to use their direct account relationship in the currency of the
transfer then the message contains both the funds for the customer transfer(s) as well as the payment details;
If the instructing agent and the instructed agent have no direct account relationship in the currency of the transfer, or
do not wish to use their account relationship, then other (reimbursement) agents will be involved to cover for the
customer transfer(s). The FIToFICustomerCreditTransfer contains only the payment details and the instructing agent
must cover the customer transfer by sending a FinancialInstitutionCreditTransfer to a reimbursement agent. This
payment method is called the Cover method;
If more than two financial institutions are involved in the payment chain and if the FIToFICustomerCreditTransfer is
sent from one financial institution to the next financial institution in the payment chain, then the payment method is
called the Serial method.
The FIToFICustomerCreditTransfer message can be used in domestic and cross-border scenarios.
Outline
The FIToFICustomerCreditTransferV09 MessageDefinition is composed of 3 MessageBuildingBlocks:
A. GroupHeader
Set of characteristics shared by all individual transactions included in the message.
B. CreditTransferTransactionInformation
Set of elements providing information specific to the individual credit transfer(s).
C. SupplementaryData
Additional information that cannot be captured in the structured elements and/or any other specific block.
Example
{
"AppHdr": {
"BizMsgIdr": "B20210527YSJLHKHHXXXBPSP81298868970",
"CreDt": "2021-05-27T10:55:45",
"Fr": {
"FIId": {
"FinInstnId": {
"ClrSysMmbId": {
"MmbId": "YSJLHKHHXXX"
}
}
}
},
"MsgDefIdr": "pacs.008.001.09",
"To": {
"FIId": {
"FinInstnId": {
"ClrSysMmbId": {
"MmbId": "WCSMHKHKXXX"
}
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}
}
}
},
"Document": {
"FIToFICstmrCdtTrf": {
"CdtTrfTxInf": {
"Cdtr": {
"Nm": "Shen Jun"
},
"CdtrAcct": {
"Id": {
"Othr": {
"Id": "[email protected]"
}
}
},
"CdtrAgt": {
"FinInstnId": {
"ClrSysMmbId": {
"MmbId": "GCSHPHMMXXX"
}
}
},
"ChrgBr": "SLEV",
"Dbtr": {
"Nm": "Cai You Meng"
},
"DbtrAcct": {
"Id": {
"Othr": {
"Id": "[email protected]"
}
}
},
"DbtrAgt": {
"FinInstnId": {
"ClrSysMmbId": {
"MmbId": "YSJLHKHHXXX"
}
}
},
"InstdAgt": {
"FinInstnId": {
"ClrSysMmbId": {
"MmbId": "GCSHPHMMXXX"
}
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}
},
"InstgAgt": {
"FinInstnId": {
"ClrSysMmbId": {
"MmbId": "YSJLHKHHXXX"
}
}
},
"IntrBkSttlmAmt": {
"Amount": "1245.74",
"Ccy": "PHP"
},
"PmtId": {
"EndToEndId": "20210527YSJLHKHHXXXBWPSP62258652831",
"InstrId": "20210527YSJLHKHHXXXBWPSP62258652831",
"TxId": "20210527YSJLHKHHXXXBWPSP62258652831"
},
"PmtTpInf": {
"LclInstrm": {
"Prtry": "BUSINESS"
},
"SvcLvl": {
"Cd": "SDVA"
}
},
"RgltryRptg": [
{
"DbtCdtRptgInd": "CRED",
"Authrty": {
"Nm": "WWbnI",
"Ctry": "HKG"
},
"Dtls": [
{
"Tp": "NZEF",
"Dt":"2021-05-27",
"Ctry":"HKG",
"Cd":"WHUQX",
"Amt":"1245.74",
"Inf": [
"yokel-gaw-oxygas-psha-peppin-buyer-vined"
]
}
]
}
]
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Messageғpacs.002
ISO 20022 Messaging Specifications
Scope
The FIToFIPaymentStatusReport message is sent by an instructed agent to the previous party in the payment chain. It is
used to inform this party about the positive or negative status of an instruction (either single or file). It is also used to
report on a pending instruction.
Usage
The FIToFIPaymentStatusReport message is exchanged between agents to provide status information about instructions
previously sent. Its usage will always be governed by a bilateral agreement between the agents.
The FIToFIPaymentStatusReport message can be used to provide information about the status (e.g. rejection, acceptance)
of a credit transfer instruction, a direct debit instruction, as well as other intraagent instructions (for example
FIToFIPaymentCancellationRequest).
The FIToFIPaymentStatusReport message refers to the original instruction(s) by means of references only or by means of
references and a set of elements from the original instruction.
},
"GrpHdr": {
"CreDtTm": "2021-05-27 10:55:45",
"IntrBkSttlmDt": "2021-05-27",
"MsgId": "M20210527YSJLHKHHXXXBPSP17221563853",
"NbOfTxs": 1,
"SttlmInf": {
"ClrSys": {
"Cd": "WNET"
},
"SttlmMtd": "CLRG"
},
"TtlIntrBkSttlmAmt": {
"Amount": "1245.74",
"Ccy": "PHP"
}
}
}
}
}
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The FIToFIPaymentStatusReport message can be used in domestic and cross-border scenarios.
The FIToFIPaymentStatusReport may also be sent to the receiver of the payment in a real time payment scenario, as both
sides of the transactions must be informed of the status of the transaction (for example either the beneficiary is credited,
or the transaction is rejected).
Outline
The FIToFIPaymentStatusReportV11 MessageDefinition is composed of 4 MessageBuildingBlocks:
A. GroupHeader
Set of characteristics shared by all individual transactions included in the status report message.
B. OriginalGroupInformationAndStatus
Original group information concerning the group of transactions, to which the status report message refers to.
C. TransactionInformationAndStatus
Information concerning the original transactions, to which the status report message refers.
D. SupplementaryData
Additional information that cannot be captured in the structured elements and/or any other specific block.
Example
NOTE: This is a POSITIVE feedback message (pacs.002) from Participant #2. Transaction has been accepted by
Participant #2.
{
"AppHdr": {
"BizMsgIdr": "B20210527WXJJPHMMXXXBPSP78918650741",
"CreDt": "2021-05-27T12:20:55",
"Fr": {
"FIId": {
"FinInstnId": {
"ClrSysMmbId": {
"MmbId": "WXJJPHMMXXX"
}
}
}
},
"MsgDefIdr": "pacs.002.001.11",
"To": {
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"FIId": {
"FinInstnId": {
"ClrSysMmbId": {
"MmbId": "WCSMHKHKXXX"
}
}
}
}
},
"Document": {
"FIToFIPmtStsRpt": {
"GrpHdr": {
"CreDtTm": "2021-05-27 12:20:55",
"MsgId": "M20210527WXJJPHMMXXXBPSP98156093890"
},
"OrgnlGrpInfAndSts": {
"OrgnlCreDtTm": "2021-05-27 12:20:55",
"OrgnlMsgId": "M20210527WCSMHKHKXXXHNET14615209834",
"OrgnlMsgNmId": "pacs.008.001.09",
"OrgnlNbOfTxs": 1
},
"TxInfAndSts": {
"AccptncDtTm": "2021-05-27 12:20:55",
"InstdAgt": {
"FinInstnId": {
"ClrSysMmbId": {
"MmbId": "YSJLHKHHXXX"
}
}
},
"InstgAgt": {
"FinInstnId": {
"ClrSysMmbId": {
"MmbId": "WXJJPHMMXXX"
}
}
},
"OrgnlInstrId": "20210527YSJLHKHHXXXBWPSP65698172762",
"TxSts": "RCVD"
}
}
}
}
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Messageғadmi.002
ISO 20022 Messaging Specifications
Scope
The MessageReject message is sent by a central system to notify the rejection of a previously received message.
Usage
The message provides specific information about the rejection reason.
Outline
The MessageRejectV01 MessageDefinition is composed of 2 MessageBuildingBlocks:
A. RelatedReference
Refers to the identification of the message previously received and for which the rejection is notified.
B. Reason
General information about the reason of the message rejection.
Example
NOTE: This is a NEGATIVE feedback message (pacs.002) from Participant #2. Transaction has been Declined by
Participant #2.
{
"AppHdr": {
"BizMsgIdr": "B20210517WCSMHKHKXXXPSP95392645792",
"MsgDefIdr": "camt.003.001.07",
"CreDt": "2021-02-05",
"Fr": {
"FIId": {
"FinInstnId": {
"ClrSysMmbId": {
"MmbId": "WXJJPHMMXXX"
}
}
}
},
"To": {
"FIId": {
"FinInstnId": {
"ClrSysMmbId": {
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2: Refund
Standard procedure
"MmbId": "WCSMHKHKXXX"
}
}
}
}
},
"Document": {
"MsgRjct": {
"RltdRef": {
"Ref": "B20210527ALPYHKHHXXXBPSP81298868970"
},
"Rsn": {
"RjctgPtyRsn": "690",
"AddtlData": "eyJhbGciOiJFUzU........."
}
}
}
}
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Messageғpacs.008
ISO 20022 Messaging Specifications
Scope
Same as above.
Usage
Same as above.
Example
NOTE: The refund request message (pacs.008) MUST involve the original message information (see RmtInf section)
{
"AppHdr": {
"BizMsgIdr": "B20210329GCSHPHMMXXXBPSP27673869487",
"CreDt": "2021-03-29T14:57:32",
"Fr": {
"FIId": {
"FinInstnId": {
"ClrSysMmbId": {
"MmbId": "GCSHPHMMXXX"
}
}
}
},
"MsgDefIdr": "pacs.008.001.09",
"To": {
"FIId": {
"FinInstnId": {
"ClrSysMmbId": {
"MmbId": "WCSMHKHKXXX"
}
}
}
}
},
"Document": {
"FIToFICstmrCdtTrf": {
"CdtTrfTxInf": {
"Cdtr": {
"Nm": "Cai You Meng"
},
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"CdtrAcct": {
"Id": {
"Othr": {
"Id": "[email protected]"
}
}
},
"CdtrAgt": {
"FinInstnId": {
"ClrSysMmbId": {
"MmbId": "YSJLHKHHXXX"
}
}
},
"ChrgBr": "SLEV",
"Dbtr": {
"Nm": "Shen Jun"
},
"DbtrAcct": {
"Id": {
"Othr": {
"Id": "[email protected]"
}
}
},
"DbtrAgt": {
"FinInstnId": {
"ClrSysMmbId": {
"MmbId": "GCSHPHMMXXX"
}
}
},
"InstdAgt": {
"FinInstnId": {
"ClrSysMmbId": {
"MmbId": "YSJLHKHHXXX"
}
}
},
"InstgAgt": {
"FinInstnId": {
"ClrSysMmbId": {
"MmbId": "GCSHPHMMXXX"
}
}
},
"IntrBkSttlmAmt": {
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"Amount": "626.00",
"Ccy": "PHP"
},
"PmtId": {
"EndToEndId": "20210329GCSHPHMMXXXBWPSP62568915598",
"InstrId": "20210329GCSHPHMMXXXBWPSP62568915598",
"TxId": "20210329GCSHPHMMXXXBWPSP62568915598"
},
"PmtTpInf": {
"LclInstrm": {
"Prtry": "BUSINESS"
},
"SvcLvl": {
"Cd": "SDVA"
}
},
"RmtInf": {
"Strd": {
"RfrdDocInf": {
"Nb": "20210329YSJLHKHHXXXBWPSP21364964358",
"RltdDt": "2021-03-29"
}
},
"Ustrd": "this is a refund"
},
"RgltryRptg": [
{
"DbtCdtRptgInd": "CRED",
"Authrty": {
"Nm": "WWbnI",
"Ctry": "HKG"
},
"Dtls": [
{
"Tp": "NZEF",
"Dt":"2021-03-29",
"Ctry":"PHP",
"Cd":"WHUQX",
"Amt":"626.00",
"Inf": [
"fremp-blind-prod-juv-tuf-zof-mom-brak"
]
}
]
}
]
},
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"GrpHdr": {
"CreDtTm": "2021-03-29 14:57:32",
"IntrBkSttlmDt": "2021-03-29",
"MsgId": "M20210329GCSHPHMMXXXBPSP51298638899",
"NbOfTxs": 1,
"SttlmInf": {
"ClrSys": {
"Cd": "WNET"
},
"SttlmMtd": "CLRG"
},
"TtlIntrBkSttlmAmt": {
"Amount": "626.00",
"Ccy": "PHP"
}
}
}
}
}
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