{"type":"doc","content":[{"type":"expand","attrs":{"title":"MENU"},"content":[{"type":"extension","attrs":{"layout":"default","extensionType":"com.atlassian.confluence.macro.core","extensionKey":"toc","parameters":{"macroParams":{"style":{"value":"none"}},"macroMetadata":{"macroId":{"value":"a09ecc7e-c53b-4415-8438-a10914714e52"},"schemaVersion":{"value":"1"},"title":"Table of Contents"}},"localId":"61e512e6-189b-495d-b2f7-899a589854bd"}}]},{"type":"heading","attrs":{"level":1},"content":[{"text":"1. Description","type":"text"}]},{"type":"paragraph","content":[{"text":"This section provides additional information and guidelines to TPPs and LFIs in relation to the status of the payment consent and the payment initiation process. The information covers both a) short-lived consents for Single Instant Payments (SIPs), Future Dated Payments (FDPs) and single International Payments and, b) long-lived consents for Multi-Payments including also Fixed Recurring International Payments. More specifically, the additional information will cover the following: ","type":"text"}]},{"type":"bulletList","content":[{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"The status any time after staging the payment Consent and the submission of payment Initiation request.","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"The meaningful status messages and reason codes of why the staged payment Consent or submitted payment Initiation request is stopped in a particular stage of the process.","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"The confirmation that the payment Initiation request has been received and executed.","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"Enriched list of reasons for failures through the initiation, processing and execution stages. This includes the list of underlying payment system reasons for failure post execution at the Creditor LFI (such as for Aani payment system). ","type":"text"}]}]}]},{"type":"heading","attrs":{"level":1},"content":[{"text":"2. Overall Process Flow","type":"text"}]},{"type":"paragraph","content":[{"text":"The Open Finance Standard has the capability to allow LFIs to provide TPPs with the following payment status information: ","type":"text"}]},{"type":"bulletList","content":[{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"The status any time after the submission of the payment initiation request for all supported payment types, including SIPS, FDPs, single International Payments (immediate and future-dated), Fixed Recurring International Payments and all types of domestic Multi-Payments.","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"A meaningful status message to the TPP for each processing phase and particularly when settlement on the debtor’s account has been completed, thus providing the TPP with a sufficient status message that the payment will be sent to the receiving LFI.","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"A confirmation that the payment has been executed and has been received by the Creditor LFI (e.g. provide the status message ‘ACWP’ which means ‘Accepted Without Posting’) ","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"Enriched and more granular list of payment status messages and reasons for failure/rejection as per the ","type":"text"},{"text":"ISO 20022","type":"text","marks":[{"type":"link","attrs":{"href":"https://www.iso20022.org/"}}]},{"text":" standard through the payment initiation, processing and and execution stages of payments at the Debtor LFI and the Creditor LFI. (TBC) ","type":"text"}]}]}]},{"type":"heading","attrs":{"level":2},"content":[{"text":"2.1 Process for Aani Payment System","type":"text"}]},{"type":"paragraph","content":[{"text":"The below diagram depicts the whole process flow for a Single Instant Payment (SIP) with the Aani payment system.","type":"text"}]},{"type":"mediaSingle","attrs":{"layout":"full-width","width":1800,"widthType":"pixel"},"content":[{"type":"media","attrs":{"width":1509,"alt":"Payment Status Process with Timings 3.png","id":"551a4407-069b-4db6-abd2-776f708fcaae","collection":"contentId-325287937","type":"file","height":423}}]},{"type":"heading","attrs":{"level":3},"content":[{"text":"2.1.1 Timings for Payment Initiation using Aani","type":"text"}]},{"type":"paragraph","content":[{"text":"The following timings are the timing periods involved in the payment initiation process of the Open Finance when using the Aani payment system.","type":"text"}]},{"type":"orderedList","attrs":{"order":1},"content":[{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"Payment Consent Response:","type":"text","marks":[{"type":"strong"}]},{"text":" The response time to the payment Consent POST /par endpoint call, as per the performance obligations as stated in ","type":"text"},{"type":"inlineCard","attrs":{"url":"https://openfinanceuae.atlassian.net/wiki/spaces/standardsv2draft3/pages/321230293/Availability+Performance+and+Usage+Benchmarks#4.-API-Performance."}},{"text":" For the context of this page we refer to this as ","type":"text"},{"text":"OFP SLA 1","type":"text","marks":[{"type":"strong"}]},{"text":" (Please note that this is an average timing requirement).","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"Get Consent status:","type":"text","marks":[{"type":"strong"}]},{"text":" The response time to the payment Consent resource GET /payment-consents/{ConsentId} endpoint call, as per the performance obligations as stated in ","type":"text"},{"type":"inlineCard","attrs":{"url":"https://openfinanceuae.atlassian.net/wiki/spaces/standardsv2draft3/pages/321230293/Availability+Performance+and+Usage+Benchmarks#4.-API-Performance."}},{"text":"For the context of this page we refer to this as ","type":"text"},{"text":"OFP SLA 1","type":"text","marks":[{"type":"strong"}]},{"text":" (Please note that this is an average timing requirement).","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"Consent Event Notification:","type":"text","marks":[{"type":"strong"}]},{"text":" This is the time taken for the event notification POST {WebhookUrl} endpoint call to be initiated and sent to the TPP by the API HUB, following a change of status of the Consent resource. For the context of this page we refer to this as ","type":"text"},{"text":"OFP SLA 3. ","type":"text","marks":[{"type":"strong"}]},{"text":"This timing is as defined in ","type":"text"},{"type":"inlineCard","attrs":{"url":"https://openfinanceuae.atlassian.net/wiki/spaces/6af317645dd64444b360d51d5bfb6d46/pages/321229888/Limits+and+Constants#Event-Notification-SLA-(OFP-SLA-3)"}},{"text":".","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"Payment Initiation Response:","type":"text","marks":[{"type":"strong"}]},{"text":" The response time to the payment Initiation request POST /payments endpoint call, is as per the performance obligations as stated in ","type":"text"},{"type":"inlineCard","attrs":{"url":"https://openfinanceuae.atlassian.net/wiki/spaces/standardsv2draft3/pages/321230293/Availability+Performance+and+Usage+Benchmarks#4.-API-Performance."}},{"text":" For the context of this page we refer to this as ","type":"text"},{"text":"OFP SLA 1","type":"text","marks":[{"type":"strong"}]},{"text":" (Please note that this is an average timing requirement).","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"Get Payment status:","type":"text","marks":[{"type":"strong"}]},{"text":" The response time to the Payment resource GET /payments/{PaymentId} endpoint call, as per the performance obligations as stated in ","type":"text"},{"type":"inlineCard","attrs":{"url":"https://openfinanceuae.atlassian.net/wiki/spaces/standardsv2draft3/pages/321230293/Availability+Performance+and+Usage+Benchmarks#4.-API-Performance."}},{"text":" For the context of this page we refer to this as ","type":"text"},{"text":"OFP SLA 1","type":"text","marks":[{"type":"strong"}]},{"text":" (Please note that this is an average timing requirement).","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"Payment Event Notification:","type":"text","marks":[{"type":"strong"}]},{"text":" This is the time taken for the event notification POST {WebhookUrl} endpoint call to be initiated and sent to the TPP by the API HUB, following a change of status of the Payment resource. For the context of this page we refer to this as ","type":"text"},{"text":"OFP SLA 3. ","type":"text","marks":[{"type":"strong"}]},{"text":"This timing is as defined in ","type":"text"},{"type":"inlineCard","attrs":{"url":"https://openfinanceuae.atlassian.net/wiki/spaces/6af317645dd64444b360d51d5bfb6d46/pages/321229888/Limits+and+Constants#Event-Notification-SLA-(OFP-SLA-3)"}},{"text":".","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"Aani T1:","type":"text","marks":[{"type":"strong"}]},{"text":" This is the time from the point in time the LFI received the payment Initiation request till the pacs008 Credit Transfer is received by the Aani Core system. For more details, please refer to the Aani Scheme Rules. This is currently defined to be 3 sec.","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"Aani T2:","type":"text","marks":[{"type":"strong"}]},{"text":" This is the time taken by the Aani System to validate the credit transfer and forward the Real Time Credit Transfer to the Creditor LFI or responds to the Debtor LFI with a negative response. For more details, please refer to the Aani Scheme Rules. This is currently defined to be 1 sec.","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"Aani T4: ","type":"text","marks":[{"type":"strong"}]},{"text":"This is the time taken by the Aani System to receive the response (Accepted or Rejected) to the Account Verification from the Creditor LFI. For more details, please refer to the Aani Scheme Rules. This is currently defined to be 2 sec.","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"Aani T5: ","type":"text","marks":[{"type":"strong"}]},{"text":"This is the time taken by the Aani System to sent the Transaction confirmation or the Transaction rejection messages to the Debtor LFI and the Creditor LFI. For more details, please refer to the Aani Scheme Rules. This is currently defined to be 2 sec.","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"Payment Status Update: ","type":"text","marks":[{"type":"strong"}]},{"text":"This is the time required by the LFI to update the Payment resource status, using a PATCH /payments/{PaymentId} endpoint, with the latest status update, immediately after receiving a response from the Aani Core system. For the context of this page we refer to this as ","type":"text"},{"text":"OFP SLA 2. ","type":"text","marks":[{"type":"strong"}]},{"text":"This timing is as defined in ","type":"text"},{"type":"inlineCard","attrs":{"url":"https://openfinanceuae.atlassian.net/wiki/spaces/6af317645dd64444b360d51d5bfb6d46/pages/321229888/Limits+and+Constants#Payment-Status-Update-(OFP-SLA-2)"}},{"text":".","type":"text","marks":[{"type":"strong"}]},{"text":" ","type":"text"}]}]}]},{"type":"heading","attrs":{"level":3},"content":[{"text":"2.1.2 Example Timings References","type":"text"}]},{"type":"table","attrs":{"layout":"align-start","width":1800.0,"localId":"8ee98dd9-97d2-487d-bf22-bee7ac280f8a"},"content":[{"type":"tableRow","content":[{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[54.0]},"content":[{"type":"paragraph","content":[{"text":"ID","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[486.0]},"content":[{"type":"paragraph","content":[{"text":"Timing Reference","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[638.0]},"content":[{"type":"paragraph","content":[{"text":"Formulae and Conditions","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[601.0]},"content":[{"type":"paragraph","content":[{"text":"Expected Time","type":"text","marks":[{"type":"strong"}]}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[54.0]},"content":[{"type":"paragraph","content":[{"text":" 1","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[486.0]},"content":[{"type":"paragraph","content":[{"text":"Elapsed time for TPP to display error message for the consent after User providing consent for payment and TPP stages the consent (TPP_TError_A)","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[638.0]},"content":[{"type":"paragraph","content":[{"text":"TPP_TError_A = (Payment Consent Response)","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[601.0]},"content":[{"type":"paragraph","content":[{"text":"OFP SLA 1 (500ms average)","type":"text"}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[54.0]},"content":[{"type":"paragraph","content":[{"text":"2","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[486.0]},"content":[{"type":"paragraph","content":[{"text":"Elapsed time for TPP to find out if the consent has been authorized or rejected after User is redirected back to TPP. (TPP_TB)","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[638.0]},"content":[{"type":"paragraph","content":[{"text":"TPP_TB = (Get Consent status) or","type":"text"}]},{"type":"paragraph","content":[{"text":"TPP_TB = (Consent Event Notification), if TPP subscribed to events","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[601.0]},"content":[{"type":"paragraph","content":[{"text":"OFP SLA 1 (500ms average) or","type":"text"}]},{"type":"paragraph","content":[{"text":"OFP SLA 3 (500ms average)","type":"text"}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[54.0]},"content":[{"type":"paragraph","content":[{"text":"3","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[486.0]},"content":[{"type":"paragraph","content":[{"text":"Max available elapsed time for TPP to send payment Initiation request after authorization for single payment or bulk (TPP_TC) ","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[638.0]},"content":[{"type":"paragraph","content":[{"text":"N/A","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[601.0]},"content":[{"type":"paragraph","content":[{"text":"10mins for SIP, FDP, and bulk","type":"text"}]},{"type":"paragraph","content":[{"text":"5 secs for single International payments","type":"text"}]},{"type":"paragraph","content":[{"text":"As per ","type":"text"},{"type":"inlineCard","attrs":{"url":"https://openfinanceuae.atlassian.net/wiki/x/QJQlEw"}},{"text":" ","type":"text"}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[54.0]},"content":[{"type":"paragraph","content":[{"text":"4","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[486.0]},"content":[{"type":"paragraph","content":[{"text":"Elapsed time for TPP to display error message for the payment or payment status as ‘Pending’ after sending the payment Initiation request (TPP_TD)","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[638.0]},"content":[{"type":"paragraph","content":[{"text":"TPP_TD = (Payment Initiation Response)","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[601.0]},"content":[{"type":"paragraph","content":[{"text":"OFP SLA 1 (500ms average)","type":"text"}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[54.0]},"content":[{"type":"paragraph","content":[{"text":"6","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[486.0]},"content":[{"type":"paragraph","content":[{"text":"Elapsed time for TPP to display error message or payment status as ‘AcceptedSettlementCompletedDebitorAccount' after sending the payment Initiation request and the payment status was ‘Pending (TPP_TE)","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[638.0]},"content":[{"type":"paragraph","content":[{"text":"TPP_TE = Aani T1 + (Get Payment status) or","type":"text"}]},{"type":"paragraph","content":[{"text":"TPP_TE = Aani T1 + (Consent Event Notification), if TPP subscribed to events","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[601.0]},"content":[{"type":"paragraph","content":[{"text":"TPP_TE = Aani T1 (max 3 sec ) + OFP SLA 1 (500ms average) = ","type":"text"},{"text":"c.3.5 sec","type":"text","marks":[{"type":"strong"}]},{"text":" or","type":"text"}]},{"type":"paragraph","content":[{"text":"TPP_TE = Aani T1 (max 3 sec) + OFP SLA 3 (500ms average) = ","type":"text"},{"text":"c.3.5 sec","type":"text","marks":[{"type":"strong"}]}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[54.0]},"content":[{"type":"paragraph","content":[{"text":"7","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[486.0]},"content":[{"type":"paragraph","content":[{"text":"Elapsed time for TPP to display error message after sending the payment Initiation request and the payment status was ‘AcceptedSettlementCompletedDebitorAccount' (TPP_TF) ","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[638.0]},"content":[{"type":"paragraph","content":[{"text":"TPP_TF = Aani T1 + Aani T2 + (Payment Status Update) + (Get Payment status) or ","type":"text"}]},{"type":"paragraph","content":[{"text":"TPP_TF = Aani T1 + Aani T2 + (Payment Status Update) + (Consent Event Notification), if TPP subscribed to events","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[601.0]},"content":[{"type":"paragraph","content":[{"text":"TPP_TF = Aani T1 (max 3 sec) + Aani T2 (max 1 sec) + OFP SLA 2 (500ms average) + OFP SLA 1 (500ms average) =","type":"text"},{"text":" c.5 sec ","type":"text","marks":[{"type":"strong"}]}]},{"type":"paragraph","content":[{"text":"TPP_TF = Aani T1 (max 3 sec) + Aani T2 (max 1 sec) + OFP SLA 2 (500ms average) + OFP SLA 3 (500ms average) = ","type":"text"},{"text":"c.5 sec","type":"text","marks":[{"type":"strong"}]}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[54.0]},"content":[{"type":"paragraph","content":[{"text":"8","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[486.0]},"content":[{"type":"paragraph","content":[{"text":"Elapsed time for TPP to display error message or payment status ‘AcceptedWithout Posting’ after sending the payment Initiation request and the payment status was ‘AcceptedSettlementCompletedDebitorAccount' (TPP_TG) ","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[638.0]},"content":[{"type":"paragraph","content":[{"text":"TPP_TG = Aani T1 + Aani T2 + Aani T4 + Aani T5 + (Payment Status Update) + (Get Payment status) or","type":"text"}]},{"type":"paragraph","content":[{"text":"TPP_TG = Aani T1 + Aani T2 + Aani T4 + Aani T5 +(Payment Status Update) + (Consent Event Notification), if TPP subscribed to events","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[601.0]},"content":[{"type":"paragraph","content":[{"text":"TPP_TG = Aani T1 (max 3 sec) + Aani T2 (max 1 sec) + Aani T4 (max 2 sec) + Aani T5 (max 2 sec) + OFP SLA 2 (500ms average) + OFP SLA 1 (500ms average) = ","type":"text"},{"text":"c.9 sec","type":"text","marks":[{"type":"strong"}]},{"text":" or ","type":"text"}]},{"type":"paragraph","content":[{"text":"TPP_TG =Aani T1 (max 3 sec) + Aani T2 (max 1 sec) + Aani T4 (max 2 sec) + Aani T5 (max 2 sec) + OFP SLA 2 (500ms average) + OFP SLA 3 (500ms average) =","type":"text"},{"text":" c.9 sec","type":"text","marks":[{"type":"strong"}]}]}]}]}]},{"type":"heading","attrs":{"level":2},"content":[{"text":"2.2 Process for FTS Payment System","type":"text"}]},{"type":"paragraph","content":[{"text":"","type":"text","marks":[{"type":"strong"}]}]},{"type":"heading","attrs":{"level":2},"content":[{"text":"2.3 Generic Process (Payment Agnostic)","type":"text"}]},{"type":"paragraph","content":[{"text":"","type":"text","marks":[{"type":"strong"}]}]},{"type":"heading","attrs":{"level":1},"content":[{"text":"3. Status Information Rules & Guidelines ","type":"text"}]},{"type":"heading","attrs":{"level":2},"content":[{"text":"3.1 Payment Consent Status","type":"text"}]},{"type":"heading","attrs":{"level":3},"content":[{"text":"3.1.1 Payment Consent Response Status","type":"text"}]},{"type":"layoutSection","marks":[{"type":"breakout","attrs":{"mode":"wide","width":1587}}],"content":[{"type":"layoutColumn","attrs":{"width":50.0},"content":[{"type":"paragraph","content":[{"text":"Following the payment Consent staging by the TPP to the API HUB/LFI:","type":"text"}]},{"type":"bulletList","content":[{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"If the new Consent request has been validated successfully, a new payment Consent resource ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" be created. The status of the payment Consent at this point ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" be initialized to ‘Awaiting Authorization’. The API HUB/LFI ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" respond back to the TPP that the new Consent request has been successful (HTTP 201 status) and include the payment resource Consent status of ‘Awaiting Authorization’ and the Consent ID.","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"If the new Consent request fails to be validated by the API HUB or the LFI, a HTTP 4xx series response with a failure reason code(s) ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" be sent back to the TPP. There may be more than one reasons for failure. ","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"A ‘GET’ status call by the TPP at this stage would also respond with status ‘Awaiting Authorization’. If the staging is unsuccessful, the TPP ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" rely on the error reason code(s) provided by the API HUB/LFI in the HTTP 4xx series response message to identify the issue. ","type":"text"}]}]}]}]},{"type":"layoutColumn","attrs":{"width":50.0},"content":[{"type":"mediaSingle","attrs":{"layout":"center","width":539,"widthType":"pixel"},"content":[{"type":"media","attrs":{"width":385,"alt":"Payment Consent Status Model 2.png","id":"d006400f-9091-4921-88a9-7c94f67ad8c3","collection":"contentId-325287937","type":"file","height":243}},{"type":"caption","content":[{"text":"Figure 1 : Staged Payment Consent","type":"text"}]}]}]}]},{"type":"paragraph","content":[{"type":"emoji","attrs":{"id":"atlassian-info","text":":info:","shortName":":info:"}},{"text":" Note: The Consent may not move to its next natural stage of ‘Authorized’ or ‘Rejected’ by a User action at the authorization stage with the LFI. This may happen when the User is not redirected to the LFI for authentication, the User fails to complete authentication or various other reasons. In this case, the API HUB ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" move it to ‘Rejected’ state after timeout as per ","type":"text"},{"type":"inlineCard","attrs":{"url":"https://openfinanceuae.atlassian.net/wiki/spaces/standardsv2draft3/pages/321229888/Limits+and+Constants#Max-Submitter-Authorization-Time-Window"}},{"text":" and populate the appropriate error reason code(s) (e.g. Authorization not completed). For example:","type":"text"}]},{"type":"table","attrs":{"layout":"align-start","width":530.0,"localId":"4bbf3adb-2816-455c-969e-5ae44537bff3"},"content":[{"type":"tableRow","content":[{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[124.0]},"content":[{"type":"paragraph","content":[{"text":"Status Code","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[181.0]},"content":[{"type":"paragraph","content":[{"text":"Status Reason Code","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[225.0]},"content":[{"type":"paragraph","content":[{"text":"Status Reason Description","type":"text","marks":[{"type":"strong"}]}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[124.0]},"content":[{"type":"paragraph","content":[{"text":"Rejected","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[181.0]},"content":[{"type":"paragraph","content":[{"text":"","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[225.0]},"content":[{"type":"paragraph","content":[{"text":"Authorization not completed","type":"text"}]}]}]}]},{"type":"heading","attrs":{"level":3},"content":[{"text":"3.1.2 User Authentication/Authorization Status","type":"text"}]},{"type":"layoutSection","marks":[{"type":"breakout","attrs":{"mode":"wide","width":1587}}],"content":[{"type":"layoutColumn","attrs":{"width":50.0},"content":[{"type":"paragraph","content":[{"text":"If the payment Consent is staged successfully, the User is redirected to the LFI for authentication and authorization of the Consent. ","type":"text"}]},{"type":"paragraph","content":[{"text":"If, the User authenticates successfully, then: ","type":"text"}]},{"type":"bulletList","content":[{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"In case there is no additional call to action for the User after authentication, such as in ","type":"text"},{"type":"inlineCard","attrs":{"url":"https://openfinanceuae.atlassian.net/wiki/spaces/standardsv2draft3/pages/321226594/Single+Instant+Payments#3.2-Fast-track-Journey"}},{"text":", the status of the payment Consent ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" move to ‘Authorized’, as the authentication action is also considered to be the User’s authorization. ","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"In case there is additional call to action for the User after authentication, such as in ","type":"text"},{"type":"inlineCard","attrs":{"url":"https://openfinanceuae.atlassian.net/wiki/spaces/standardsv2draft3/pages/321226594/Single+Instant+Payments#3.1-Standard-Journey"}},{"text":", the User’s decision to proceed with the payment (or the long-lived payment Consent) is considered to be the User’s authorization and ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" make the status of the payment Consent to become ‘Authorized’ . For example:","type":"text"}]}]}]},{"type":"table","attrs":{"layout":"align-start","width":1800.0,"localId":"0ab7c66b-fd04-48c1-9fc7-0f4f8435a111"},"content":[{"type":"tableRow","content":[{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[185.0]},"content":[{"type":"paragraph","content":[{"text":"Status Code","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[241.0]},"content":[{"type":"paragraph","content":[{"text":"Status Reason Code","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[253.0]},"content":[{"type":"paragraph","content":[{"text":"Status Reason Description","type":"text","marks":[{"type":"strong"}]}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[185.0]},"content":[{"type":"paragraph","content":[{"text":"Authorized","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[241.0]},"content":[{"type":"paragraph","content":[{"text":"","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[253.0]},"content":[{"type":"paragraph","content":[{"text":"","type":"text"}]}]}]}]},{"type":"paragraph","marks":[{"type":"indentation","attrs":{"level":1}}],"content":[{"text":"If the User’s call to action leads to the User cancelling the payment (or the long-lived payment Consent), then the status of the payment Consent ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" become ‘Rejected'.","type":"text"}]},{"type":"paragraph","content":[{"text":"If the User fails to complete authentication (e.g. after x attempts), the payment Consent may be rejected by the LFI. In this case, the status of the payment Consent ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" be set to ‘Rejected'.","type":"text"}]},{"type":"paragraph","content":[{"text":"If there are further checks performed by the LFI that the staged payment Consent fail, then the LFI may also reject the payment consent. In this case, the status of the payment Consent ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" be set to ‘Rejected'. An example scenario would be a Fast track SIP where the User selected a payment account with insufficient funds for the payment. In this case, the LFI may reject the payment Consent, set the status to ‘Rejected' and provide the appropriate error reason code for the TPP. ","type":"text"}]}]},{"type":"layoutColumn","attrs":{"width":50.0},"content":[{"type":"mediaSingle","attrs":{"layout":"center","width":539,"widthType":"pixel"},"content":[{"type":"media","attrs":{"width":385,"alt":"Consent Model 3.png","id":"2ea94521-e5a2-4eba-abf5-3fa859bc29e3","collection":"contentId-325287937","type":"file","height":243}},{"type":"caption","content":[{"text":"Figure 2 : Authenticated Payment Consent","type":"text"}]}]},{"type":"mediaSingle","attrs":{"layout":"center","width":541,"widthType":"pixel"},"content":[{"type":"media","attrs":{"width":385,"alt":"Consent Status Model 4.png","id":"1aa6357c-5f99-4867-b392-40118521ba46","collection":"contentId-325287937","type":"file","height":243}},{"type":"caption","content":[{"text":"Figure 3 : Rejected Payment Consent","type":"text"}]}]}]}]},{"type":"paragraph","content":[{"text":"Examples rejections with error reason codes are shown below:","type":"text"}]},{"type":"table","attrs":{"layout":"align-start","width":659.0,"localId":"0d6f7d42-3cf8-4b5d-933d-355f4dca69c1"},"content":[{"type":"tableRow","content":[{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[146.0]},"content":[{"type":"paragraph","content":[{"text":"Status Code","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[215.0]},"content":[{"type":"paragraph","content":[{"text":"Status Reason Code","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[298.0]},"content":[{"type":"paragraph","content":[{"text":"Status Reason Description","type":"text","marks":[{"type":"strong"}]}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[146.0]},"content":[{"type":"paragraph","content":[{"text":"Rejected","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[215.0]},"content":[{"type":"paragraph","content":[{"text":"AM04","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[298.0]},"content":[{"type":"paragraph","content":[{"text":"Insufficient Funds","type":"text"}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[146.0]},"content":[{"type":"paragraph","content":[{"text":"Rejected","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[215.0]},"content":[{"type":"paragraph","content":[{"text":"CN01","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[298.0]},"content":[{"type":"paragraph","content":[{"text":"Authorization Cancelled","type":"text"}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[146.0]},"content":[{"type":"paragraph","content":[{"text":"Rejected","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[215.0]},"content":[{"type":"paragraph","content":[{"text":"","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[298.0]},"content":[{"type":"paragraph","content":[{"text":"Authorization failed ","type":"text"},{"text":"(after x attempts)","type":"text","marks":[{"type":"em"}]}]}]}]}]},{"type":"paragraph","content":[{"text":"A TPP could make a call to the ‘GET’ status endpoint at this stage to find out if the payment Consent resource has been updated to ‘Authorised‘ or ‘Rejected’.","type":"text"}]},{"type":"paragraph","content":[{"text":"Moreover, a TPP that has subscribed to event notifications ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" receive notification from the API HUB, informing the updated status of the payment Consent resource to ‘Authorised‘ or ‘Rejected’ using the registered Webhook URL.","type":"text"}]},{"type":"heading","attrs":{"level":2},"content":[{"text":"3.2 Mapping to the ISO 20022 Payment Transaction Status Model","type":"text"}]},{"type":"paragraph","content":[{"text":"The Open Finance Payment Status model, as defined in ","type":"text"},{"type":"inlineCard","attrs":{"url":"https://openfinanceuae.atlassian.net/wiki/spaces/standardsv2draft3/pages/321229790/Common+Rules+and+Guidelines#GRC-15.10-Payment-Status-Model"}},{"text":", is a simplified version of the ISO 20022 Payment Transaction Status model. The simplification was to reduce the intermediate statuses, and keep only the essential ones at the start, middle and end of the full payment lifecycle. The full ISO 20022 Payment Transaction Status model diagram and the statuses definitions can be found in ","type":"text"},{"type":"inlineCard","attrs":{"url":"https://openfinanceuae.atlassian.net/wiki/spaces/standardsv2draft3/pages/325287937/Payment+Status+Information#7.1-ISO-20022-Payment-Transaction-Status-Model"}},{"text":".","type":"text"}]},{"type":"paragraph","content":[{"text":"The mapping of the Open Finance Payment Status and the ISO 20022 Payment Transaction Status model is as follows:","type":"text"}]},{"type":"mediaSingle","attrs":{"layout":"center","width":1030,"widthType":"pixel"},"content":[{"type":"media","attrs":{"width":758,"alt":"Payment Status Mapping Model New 2.png","id":"cab84cfa-e7c8-4a8d-80a1-1b76f9d8cf06","collection":"contentId-325287937","type":"file","height":457}},{"type":"caption","content":[{"text":"ISO 20022 Payment Transaction Status model vs Open Finance Payment Status model","type":"text"}]}]},{"type":"paragraph","content":[{"text":"In summary, Open Finance retains the following statuses:","type":"text"}]},{"type":"bulletList","content":[{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"Pending (ISO 200022 PDNG):","type":"text","marks":[{"type":"strong"}]},{"text":" This is the initial state that the payment resource is set to when first created. This signifies that the payment initiation checks will be starting.","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"Accepted Settlement Completed Debtor Account (ISO 200022 ACSC): ","type":"text","marks":[{"type":"strong"}]},{"text":"This is the outcome of the payment processing stage. The Users account is debited (or funds are earmarked) for the amount of the payment. At this point, Technical validation, Customer Profile checks, Fund Checking, value date is adjusted (if applicable) and all settlement checks at the Debtor LFI have been completed successfully. The Debtor LFI has sent the required payment message to the Payment System and will wait for any responses, if applicable.","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"Accepted Without Posting (ISO 200022 ACWP): ","type":"text","marks":[{"type":"strong"}]},{"text":"This is either an intermediate or a terminal state for the payment. It signifies that the payment has been accepted by the Creditor LFI. Creditor LFI may also have performed the necessary verifications and validations (for example in Aani system). However, the credit has not been applied to the Creditor account yet. ","type":"text"},{"type":"emoji","attrs":{"id":"atlassian-note","text":":note:","shortName":":note:"}},{"text":" ","type":"text"},{"text":"Note: For the Aani payment system, this is a terminal state for the payment, as the Debtor LFI does not receive any confirmation from the Aani Core system after the Creditor LFI has successfully applied the credit to the Creditor account.","type":"text","marks":[{"type":"em"}]}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"Accepted Settlement Completed Creditor Account (ISO 200022 ACCC): ","type":"text","marks":[{"type":"strong"}]},{"text":"This is a terminal state for the payment. It signifies that the payment has been accepted by the Creditor LFI and settlement on the creditor's account has been completed.","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"Rejected (ISO 200022 RJCT): ","type":"text","marks":[{"type":"strong"}]},{"text":"This is the rejection status. Rejection can happen at any point during payment initiation, payment processing or payment execution. The rejection status will be coupled with an error code, identifying the reason of the failure.","type":"text"}]}]}]},{"type":"heading","attrs":{"level":2},"content":[{"text":"3.3 Payment Initiation Status","type":"text"}]},{"type":"heading","attrs":{"level":3},"content":[{"text":"3.3.1 Payment Initiation Response Status","type":"text"}]},{"type":"layoutSection","marks":[{"type":"breakout","attrs":{"mode":"wide","width":1587}}],"content":[{"type":"layoutColumn","attrs":{"width":50.0},"content":[{"type":"paragraph","content":[{"text":"Subject to the payment Consent being successfully authorized by the User, the TPP will submit the payment Initiation request to the API HUB/LFI. ","type":"text"}]},{"type":"bulletList","content":[{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"When the payment Initiation request is received by the the API HUB and/or the LFI, the payment Consent resource status ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" be set to ‘Consumed’. (","type":"text"},{"text":"Note: This is only applicable for single payments such as SIP, FDPs and single International Payments. For Multi-payments, the payment Consent will remain in the ‘Authorized’ state until it is fully consumed, expired or revoked","type":"text","marks":[{"type":"em"}]},{"text":"). ","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"If the payment Initiation request has been successfully received and validated by the API HUB and/or the LFI, a new Payment resource is created. The status at this point, as per the ISO 20022 model, would be Received (RCVD). However, as per the mapping of ISO 20022 model to the Open Finance Payment Status model, the status of the Payment resource at this point ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" be set to ‘Pending’, due to this being the initialization value for the Payment resource status. The API HUB/LFI ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" also respond back to the TPP that the payment Initiation request has been successful (HTTP 201 status response) including the Payment resource status of ‘Pending' and the Payment resource ID.","type":"text"}]}]}]},{"type":"table","attrs":{"layout":"align-start","width":1800.0,"localId":"58c8a3b4-0a82-4796-8ce5-755179cc9b84"},"content":[{"type":"tableRow","content":[{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1},"content":[{"type":"paragraph","content":[{"text":"Status Code","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1},"content":[{"type":"paragraph","content":[{"text":"Status Reason Code","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1},"content":[{"type":"paragraph","content":[{"text":"Status Reason Description","type":"text","marks":[{"type":"strong"}]}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1},"content":[{"type":"paragraph","content":[{"text":"Pending","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1},"content":[{"type":"paragraph","content":[{"text":"","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1},"content":[{"type":"paragraph","content":[{"text":"","type":"text"}]}]}]}]},{"type":"bulletList","content":[{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"A TPP could make a call to the ‘GET’ payment Consent status endpoint at this stage to confirm that the payment Consent resource has been updated to ‘Consumed’ as part of the payment Initiation request. (Please note that this is only applicable for single payments such as SIP, FDPs and single International Payments). Moreover, a TPP that has subscribed to event notifications ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" receive notification from the API HUB, informing the updated status of the payment Consent resource to ‘Consumed‘ using the registered Webhook URL.","type":"text"}]}]}]},{"type":"table","attrs":{"layout":"align-start","width":1800.0,"localId":"2968db2d-c81f-40bb-9387-c6437d050421"},"content":[{"type":"tableRow","content":[{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1},"content":[{"type":"paragraph","content":[{"text":"Status Code","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1},"content":[{"type":"paragraph","content":[{"text":"Status Reason Code","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1},"content":[{"type":"paragraph","content":[{"text":"Status Reason Description","type":"text","marks":[{"type":"strong"}]}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1},"content":[{"type":"paragraph","content":[{"text":"Consumed","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1},"content":[{"type":"paragraph","content":[{"text":"","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1},"content":[{"type":"paragraph","content":[{"text":"","type":"text"}]}]}]}]}]},{"type":"layoutColumn","attrs":{"width":50.0},"content":[{"type":"mediaSingle","attrs":{"layout":"center","width":491,"widthType":"pixel"},"content":[{"type":"media","attrs":{"width":385,"alt":"Consent Status Model 5.png","id":"699446ba-03c9-4093-a58f-3987e6911103","collection":"contentId-325287937","type":"file","height":243}},{"type":"caption","content":[{"text":"Figure 5 : Payment Consent Consumed","type":"text"}]}]},{"type":"mediaSingle","attrs":{"layout":"center","width":666,"widthType":"pixel"},"content":[{"type":"media","attrs":{"width":758,"alt":"Payment Status Mapping Model New 3.png","id":"29a277a9-9ddd-4262-b688-4710bd1da3c4","collection":"contentId-325287937","type":"file","height":457}},{"type":"caption","content":[{"text":"Figure 6 : Payment Initiation started","type":"text"}]}]}]}]},{"type":"paragraph","content":[{"text":"If the payment Initiation request fails to be successfully received and validated by the API HUB or the LFI, a HTTP 4xx series response message with status reason code(s) ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" be sent back to the TPP. In such situation, the TPP will have to rely on the status reason(s) provided in the error response message in order to identify any issues, as the Payment resource was not successfully created.","type":"text"}]},{"type":"heading","attrs":{"level":3},"content":[{"text":"3.3.2 Further Payment Initiation Status","type":"text"}]},{"type":"layoutSection","marks":[{"type":"breakout","attrs":{"mode":"wide","width":1587}}],"content":[{"type":"layoutColumn","attrs":{"width":50.0},"content":[{"type":"paragraph","content":[{"text":"If the payment Initiation request is validated successfully by the API HUB/LFI and the Payment resource is created with ‘Pending' status, there are further checks and validations that will take place at the LFI as part of the payment initiation process.","type":"text"}]},{"type":"bulletList","content":[{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"If the payment Initiation request cannot start to be processed immediately on receipt due to pending checks and validations needed to be done, the status as per the ISO 20022 model, would be Pending (PDNG). As per the mapping to the Open Finance Payment Status model, ","type":"text"},{"text":"the Payment resource MUST remain in the ‘Pending’ status.","type":"text","marks":[{"type":"strong"}]}]}]}]},{"type":"table","attrs":{"layout":"align-start","width":1800.0,"localId":"6ccdaba8-8a09-4b4b-9b56-fa267b5d76e4"},"content":[{"type":"tableRow","content":[{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1},"content":[{"type":"paragraph","content":[{"text":"Status Code","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1},"content":[{"type":"paragraph","content":[{"text":"Status Reason Code","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1},"content":[{"type":"paragraph","content":[{"text":"Status Reason Description","type":"text","marks":[{"type":"strong"}]}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1},"content":[{"type":"paragraph","content":[{"text":"Pending","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1},"content":[{"type":"paragraph","content":[{"text":"","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1},"content":[{"type":"paragraph","content":[{"text":"","type":"text"}]}]}]}]}]},{"type":"layoutColumn","attrs":{"width":50.0},"content":[{"type":"mediaSingle","attrs":{"layout":"center","width":666,"widthType":"pixel"},"content":[{"type":"media","attrs":{"width":758,"alt":"Payment Status Mapping Model New 4.png","id":"890fff3f-081a-4852-80cf-6f1476913ce6","collection":"contentId-325287937","type":"file","height":457}},{"type":"caption","content":[{"text":"Figure 7 : Payment Initiation pending","type":"text"}]}]}]}]},{"type":"bulletList","content":[{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"If the payment Initiation request cannot be processed immediately on receipt because it is a future-dated payment, the Payment resource ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" remain in the ‘Pending’ status. Future dated payments that are warehoused at the LFI until they are processed on the actual payment date, can be cancelled by the User at their LFI within agreed time limits allowed by the LFI. Once cancelled, the LFI ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" update the Payment resource status to ‘Rejected’ and provide the appropriate error code. ","type":"text"}]}]}]},{"type":"table","attrs":{"layout":"align-start","width":515.0,"localId":"df73806f-c1df-4f31-9774-2d3a90b441c8"},"content":[{"type":"tableRow","content":[{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[115.0]},"content":[{"type":"paragraph","content":[{"text":"Status Code","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[183.0]},"content":[{"type":"paragraph","content":[{"text":"Status Reason Code","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[217.0]},"content":[{"type":"paragraph","content":[{"text":"Status Reason Description","type":"text","marks":[{"type":"strong"}]}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[115.0]},"content":[{"type":"paragraph","content":[{"text":"Rejected","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[183.0]},"content":[{"type":"paragraph","content":[{"text":"","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[217.0]},"content":[{"type":"paragraph","content":[{"text":"Cancelled by User","type":"text"}]}]}]}]},{"type":"paragraph","content":[{"text":"Otherwise, on the payment date, the LFI will processes the FDP payment and update the status of the Payment resource as per the Open Finance Payment status model.","type":"text"}]},{"type":"layoutSection","marks":[{"type":"breakout","attrs":{"mode":"wide","width":1587}}],"content":[{"type":"layoutColumn","attrs":{"width":50.0},"content":[{"type":"bulletList","content":[{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"In the case that the technical validation performed by the LFI has been completed successfully, as per the ISO 20022 model, the status of the Payment resource would be Accepted Technical Validation (ACTC). However, as per the mapping of ISO 20022 model to the Open Finance Payment Status model, the status of the Payment resource at this point ","type":"text"},{"text":"MUST ","type":"text","marks":[{"type":"strong"}]},{"text":"remain in the ‘Pending’ status.","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"Similarly, in the case that the Customer Profile checks performed by the LFI has been completed successfully, as per the ISO 20022 model, the status of the Payment resource would be Accepted Customer Profile (ACCP). However, as per the mapping of ISO 20022 model to the Open Finance Payment Status model, the status of the Payment resource at this point ","type":"text"},{"text":"MUST ","type":"text","marks":[{"type":"strong"}]},{"text":"remain in the ‘Pending’ status.","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"Moreover, in the case that the Funds checking performed by the LFI has been completed successfully, as per the ISO 20022 model, the status of the Payment resource would be Accepted Funds Checked (ACFC). Again, as per the mapping of ISO 20022 model to the Open Finance Payment Status model, the status of the Payment resource at this point ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" remain in the ‘Pending’ status.","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"Subject to completing the previous validations and checks, the Payment resource, as per ISO 20022 model, would move in to the the status of Accepted Settlement In Process (ACSP) to signify that all preceding checks were successful, the payment initiation was completed and the payment instruction has been accepted for further payment processing and execution. However, as per the mapping of ISO 20022 model to the Open Finance Payment Status model, the status of the Payment resource at this point ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" still remain in the ‘Pending’ status. The payment will then proceed to the next phase of payment processing.","type":"text"}]}]}]}]},{"type":"layoutColumn","attrs":{"width":50.0},"content":[{"type":"mediaSingle","attrs":{"layout":"center","width":666,"widthType":"pixel"},"content":[{"type":"media","attrs":{"width":758,"alt":"Payment Status Mapping Model New 5.png","id":"24d15a38-23c2-4f87-a6f1-ee0d4a59c483","collection":"contentId-325287937","type":"file","height":457}},{"type":"caption","content":[{"text":"Figure 7 : Payment Initiation completed","type":"text"}]}]},{"type":"paragraph","content":[{"type":"emoji","attrs":{"id":"atlassian-note","text":":note:","shortName":":note:"}},{"text":" ","type":"text"},{"text":"Note: In several situations (such as in SIPs) the progress from the payment initiation phase to the next phase of payment processing will happen extremely quickly, depending on the various implementations by LFIs. Therefore, there was limited value of returning the granular state for the payment resource as defined by the the ISO 20022 model. Instead, the Open Finance Payment Status model simply returns the ‘Pending’ status to represents all these intermediate statuses between the payment initiation phase and the payment processing phase. ","type":"text","marks":[{"type":"em"}]}]}]}]},{"type":"bulletList","content":[{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"If the payment fails any validation or other checks at any point during the payment initiation process, then the status of the Payment resource ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" be updated to ‘Rejected’. The LFI ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" provide all the appropriate error reason codes to inform the TPP about the reasons for the failure. For example:","type":"text"}]}]}]},{"type":"table","attrs":{"layout":"align-start","width":536.0,"localId":"9bceb89f-5f6c-43e8-b3d4-725b1f383999"},"content":[{"type":"tableRow","content":[{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[110.0]},"content":[{"type":"paragraph","content":[{"text":"Status Code","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[167.0]},"content":[{"type":"paragraph","content":[{"text":"Status Reason Code","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[256.0]},"content":[{"type":"paragraph","content":[{"text":"Status Reason Description","type":"text","marks":[{"type":"strong"}]}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[110.0]},"content":[{"type":"paragraph","content":[{"text":"Rejected","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[167.0]},"content":[{"type":"paragraph","content":[{"text":"AM04","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[256.0]},"content":[{"type":"paragraph","content":[{"text":"Insufficient Funds","type":"text"}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[110.0]},"content":[{"type":"paragraph","content":[{"text":"Rejected","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[167.0]},"content":[{"type":"paragraph","content":[{"text":"AM14","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[256.0]},"content":[{"type":"paragraph","content":[{"text":"Amount Exceeds Agreed Limit","type":"text"}]}]}]}]},{"type":"paragraph","content":[{"text":"A TPP could make a call to the ‘GET’ payment status endpoint at this stage to check if the the status of the payment has remained in the ‘Pending’ state or the payment initiation has failed and the Payment resource status has been set to ‘Rejected’. Moreover, a TPP that has subscribed to event notifications ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" receive notification from the API HUB, informing the changed status of the Payment resource to ‘Rejected‘ using the registered Webhook URL.","type":"text"}]},{"type":"panel","attrs":{"panelType":"note"},"content":[{"type":"paragraph","content":[{"text":"Note: For their implementation, LFIs may decide to proceed with payment initiation and processing validations and checks, before responding to the payment Initiation request with a HTTP 201 status response and create the Payment resource. In this case, any rejection that may happen during technical validation, customer profile checking, funds checking and any other related checks, will be notified to the TPP using a HTTP 4xx series response message with the appropriate failure status reason code(s). It is in the competitive space of LFIs how they proceed with their implementation and at which stage in the process they respond positively to the payment Initiation request, providing any further status updates and error reason codes via the Payment resource. However, it must be noted that LFI ","type":"text"},{"text":"MUST ","type":"text","marks":[{"type":"strong"}]},{"text":"ensure that all their endpoint responses meet the performance obligations as stated in ","type":"text"},{"type":"inlineCard","attrs":{"url":"https://openfinanceuae.atlassian.net/wiki/spaces/standardsv2draft3/pages/321230293/Availability+Performance+and+Usage+Benchmarks#4.-API-Performance"}},{"text":". ","type":"text"}]}]},{"type":"heading","attrs":{"level":2},"content":[{"text":"3.4 Payment Processing Status","type":"text"}]},{"type":"layoutSection","marks":[{"type":"breakout","attrs":{"mode":"wide","width":1587}}],"content":[{"type":"layoutColumn","attrs":{"width":50.0},"content":[{"type":"paragraph","content":[{"text":"The Payment resource during payment processing may undergo further checks. If any of these checks fail, then the status of the Payment resource ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" be set to ‘Rejected’.","type":"text"}]},{"type":"bulletList","content":[{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"In some instances, the LFI may process the payment with a change (e.g. the desired future date may be changed if, for example, it falls on a date payments cannot be sent, or the payment system might be changed e.g. from Aani to FTS). In this case, as per the ISO 20022 model, the status of the Payment resource would become Accepted with Change (ACWC). Again, as per the mapping of ISO 20022 model to the Open Finance Payment Status model, the status of the Payment resource at this point ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" remain in the ‘Pending’ status.","type":"text"}]}]}]},{"type":"paragraph"},{"type":"paragraph"},{"type":"paragraph"},{"type":"paragraph"},{"type":"paragraph"},{"type":"bulletList","content":[{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"In the case that the payment processing phase has completed successfully and the User's account has been debited (or funds have been earmarked) for the amount of the payment, as per the ISO 20022 model, the status of the Payment resource would be Accepted Settlement Completed Debitor Account (ACSC). As per the mapping of ISO 20022 model to the Open Finance Payment Status model, the status of the Payment resource at this point ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" be set to ‘Accepted Settlement Completed Debitor Account ’ status. This state signifies the successful completion of the payment processing stage. At this point, Technical validation, Customer Profile checks, Fund Checking, value date is adjusted (if applicable) and all settlement checks at the LFI have been completed successfully. Finally, the LFI has sent the required payment message to the Payment System and will wait for any responses, if applicable. In this case, the payment has progressed to the payment execution phase.","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"If the payment fails at any point during the payment processing phase, then the status of the Payment resource ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" be updated to ‘Rejected’. The LFI ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" provide all the appropriate error reason codes to inform the TPP about the reasons for the failure.","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"A TPP could make a call to the ‘GET’ status endpoint at this stage to find out if the payment processing has been successful and the Payment resource status has become ‘AcceptedSettlementCompletedDebitorAccount’. Moreover, a TPP that has subscribed to event notifications ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" receive notification from the API HUB, informing the changed status of the Payment resource to ‘AcceptedSettlementCompletedDebitorAccount‘ or 'Rejected’ using the registered Webhook URL.","type":"text"}]}]}]},{"type":"table","attrs":{"layout":"align-start","width":763.0,"localId":"66a4e125-1611-4420-a570-bd2bfa9dce2e"},"content":[{"type":"tableRow","content":[{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[382.0]},"content":[{"type":"paragraph","content":[{"text":"Status Code","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[121.0]},"content":[{"type":"paragraph","content":[{"text":"Status Reason Code","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[176.0]},"content":[{"type":"paragraph","content":[{"text":"Status Reason Description","type":"text","marks":[{"type":"strong"}]}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[382.0]},"content":[{"type":"paragraph","content":[{"text":"AcceptedSettlementCompletedDebitorAccount","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[121.0]},"content":[{"type":"paragraph","content":[{"text":"","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[176.0]},"content":[{"type":"paragraph","content":[{"text":"","type":"text"}]}]}]}]}]},{"type":"layoutColumn","attrs":{"width":50.0},"content":[{"type":"mediaSingle","attrs":{"layout":"center","width":666,"widthType":"pixel"},"content":[{"type":"media","attrs":{"width":758,"alt":"Payment Status Mapping Model New 6.png","id":"1e897a5a-1769-466a-8112-0fb29a08667b","collection":"contentId-325287937","type":"file","height":457}},{"type":"caption","content":[{"text":"Figure 8 : Payment Processing started","type":"text"}]}]},{"type":"mediaSingle","attrs":{"layout":"center","width":666,"widthType":"pixel"},"content":[{"type":"media","attrs":{"width":758,"alt":"Payment Status Mapping Model New 7.png","id":"d7a90f02-73f1-4b96-bd0a-de2dbb1c5c7d","collection":"contentId-325287937","type":"file","height":457}},{"type":"caption","content":[{"text":"Figure 9 : Payment Processing completed","type":"text"}]}]},{"type":"paragraph","content":[{"type":"emoji","attrs":{"id":"atlassian-note","text":":note:","shortName":":note:"}},{"text":" ","type":"text"},{"text":"Note: In several situations (such as in SIPs) the progress from the payment processing phase to the next phase of payment execution will happen extremely quickly, depending on the various implementations by LFIs. Therefore, there was limited value of returning the granular state for the payment resource as defined by the the ISO 20022 model. Instead, the Open Finance Payment Status model simply returns the ‘AcceptedSettlementCompletedDebitorAccount‘ status to represents the completion of the payment processing phase and the transition to the payment execution phase. ","type":"text","marks":[{"type":"em"}]}]}]}]},{"type":"heading","attrs":{"level":2},"content":[{"text":"3.5 Payment Execution Status","type":"text"}]},{"type":"layoutSection","marks":[{"type":"breakout","attrs":{"mode":"wide","width":1587}}],"content":[{"type":"layoutColumn","attrs":{"width":50.0},"content":[{"type":"paragraph","content":[{"text":"If the payment processing phase was successful and the payment is sent to the underlying payment system, the payment will undergo further checks by the payment system (or scheme, if applicable), intermediary Financial Institutions and the receiving LFIs. These checks may include technical and business parameters/rules specific to the underlying payment system, fraud/sanctions and business rules checking at the intermediary or receiving LFIs and other checking and validations related to the payment execution (subject to various implementations by relevant parties). Further to these checks:","type":"text"}]},{"type":"bulletList","content":[{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"If any of the checks fail, then the status of the Payment resource must become ‘Rejected’. For example:","type":"text"}]}]}]},{"type":"table","attrs":{"layout":"align-start","width":763.0,"localId":"345846f1-9883-41f3-8af5-03b58ef6f694"},"content":[{"type":"tableRow","content":[{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[189.0]},"content":[{"type":"paragraph","content":[{"text":"Status Code","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[217.0]},"content":[{"type":"paragraph","content":[{"text":"Status Reason Code","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[273.0]},"content":[{"type":"paragraph","content":[{"text":"Status Reason Description","type":"text","marks":[{"type":"strong"}]}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[189.0]},"content":[{"type":"paragraph","content":[{"text":"Rejected","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[217.0]},"content":[{"type":"paragraph","content":[{"text":"AC07","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[273.0]},"content":[{"type":"paragraph","content":[{"text":"Creditor account number closed","type":"text"}]}]}]}]}]},{"type":"layoutColumn","attrs":{"width":50.0},"content":[{"type":"mediaSingle","attrs":{"layout":"center","width":758,"widthType":"pixel"},"content":[{"type":"media","attrs":{"width":758,"alt":"Payment Status Mapping Model New 8.png","id":"9d3e0a65-eefc-4071-b653-4209a54082ca","collection":"contentId-325287937","type":"file","height":457}},{"type":"caption","content":[{"text":"Figure 9 : Payment Execution completed","type":"text"}]}]}]}]},{"type":"bulletList","content":[{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"If for any reason, the Creditor LFI identifies that the beneficiary account is blocked or the funds need to be blocked, then as per the ISO 20022 model the status of the Payment resource would be ‘Blocked (BLCK). However, as per the mapping of ISO 20022 model to the Open Finance Payment Status model, the status of the Payment resource at this point ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" remain to its existing state of ‘AcceptedSettlementCompletedDebitorAccount’, until the blocking has been resolved to either a rejected payment or an accepted payment. This is because in majority of cases, Blocked in a transitional state and not a terminal state (exceptional). If the Blocked payment results to a rejected payments, then the Payment resource at this point ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" be set to ‘Rejected’ and the appropriate error reason code for the failure must be populated. For example:","type":"text"}]}]}]},{"type":"table","attrs":{"layout":"align-start","width":763.0,"localId":"96684b6c-82e6-4921-9644-586c5c13d264"},"content":[{"type":"tableRow","content":[{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[112.0]},"content":[{"type":"paragraph","content":[{"text":"Status Code","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[158.0]},"content":[{"type":"paragraph","content":[{"text":"Status Reason Code","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[151.0]},"content":[{"type":"paragraph","content":[{"text":"Status Reason Description","type":"text","marks":[{"type":"strong"}]}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[112.0]},"content":[{"type":"paragraph","content":[{"text":"Rejected","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[158.0]},"content":[{"type":"paragraph","content":[{"text":"AC06","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[151.0]},"content":[{"type":"paragraph","content":[{"text":"BlockedAccount","type":"text"}]}]}]}]},{"type":"bulletList","content":[{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"If all aspects of the payment execution are successful, then:","type":"text"}]},{"type":"bulletList","content":[{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"In case the Creditor LFI confirms that the payment has been received but has not credited the beneficiary account yet, then the Payment resource status ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" be set to ‘AcceptedWithoutPosting’ in alignment to the ISO 2002 model. Additionally, the Creditor LFI may provide a specific reason code in such instances to the Debtor LFI. The Debtor LFI ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" provide this information, if received, alongside the Payment resource status under the status reason code. For example:","type":"text"}]}]}]}]}]},{"type":"table","attrs":{"layout":"align-start","width":580.0,"localId":"ae5e1f1b-4d0c-4281-bb44-b82c658bec64"},"content":[{"type":"tableRow","content":[{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[198.0]},"content":[{"type":"paragraph","content":[{"text":"Status Code","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[167.0]},"content":[{"type":"paragraph","content":[{"text":"Status Reason Code","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[212.0]},"content":[{"type":"paragraph","content":[{"text":"Status Reason Description","type":"text","marks":[{"type":"strong"}]}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[198.0]},"content":[{"type":"paragraph","content":[{"text":"AcceptedWithout Posting","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[167.0]},"content":[{"type":"paragraph","content":[{"text":"","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[212.0]},"content":[{"type":"paragraph","content":[{"text":"","type":"text"}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[198.0]},"content":[{"type":"paragraph","content":[{"text":"AcceptedWithout Posting","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[167.0]},"content":[{"type":"paragraph","content":[{"text":"","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[212.0]},"content":[{"type":"paragraph","content":[{"text":"Expected next day","type":"text"}]}]}]}]},{"type":"bulletList","content":[{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"In case the Creditor LFI confirms that the payment has been received and has applied the credit to the beneficiary account, then the Payment resource status ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" be set to ‘Accepted Settlement Completed Creditor Account’ in alignment to the ISO 2002 model. For example:","type":"text"}]}]}]},{"type":"table","attrs":{"layout":"align-start","width":770.0,"localId":"a08e42bf-abe0-41a0-b42c-15968bde5ced"},"content":[{"type":"tableRow","content":[{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[377.0]},"content":[{"type":"paragraph","content":[{"text":"Status Code","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[165.0]},"content":[{"type":"paragraph","content":[{"text":"Status Reason Code","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[228.0]},"content":[{"type":"paragraph","content":[{"text":"Status Reason Description","type":"text","marks":[{"type":"strong"}]}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[377.0]},"content":[{"type":"paragraph","content":[{"text":"Accepted Settlement Completed Creditor Account","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[165.0]},"content":[{"type":"paragraph","content":[{"text":"","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[228.0]},"content":[{"type":"paragraph","content":[{"text":"","type":"text"}]}]}]}]},{"type":"paragraph","content":[{"text":"A TPP could make a call to the ‘GET’ status endpoint at this stage to find out if:","type":"text"}]},{"type":"bulletList","content":[{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"either the payment execution has been successful and the Payment resource status is set to ‘Accepted Without Posting’ or 'Accepted Settlement Completed Creditor Account’, ","type":"text"}]}]},{"type":"listItem","content":[{"type":"paragraph","content":[{"text":"or the payment execution has failed and the Payment resource status is set to ‘Rejected’.","type":"text"}]}]}]},{"type":"paragraph","content":[{"text":"Moreover, a TPP that has subscribed to event notifications ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" receive notification from the API HUB, informing the changed status of the Payment resource to ‘Accepted Without Posting‘, ‘Accepted Settlement Completed Creditor Account’ or 'Rejected’ using the registered Webhook URL.","type":"text"}]},{"type":"paragraph","content":[{"type":"emoji","attrs":{"id":"atlassian-note","text":":note:","shortName":":note:"}},{"text":" ","type":"text","marks":[{"type":"em"}]},{"text":"Note","type":"text","marks":[{"type":"strong"},{"type":"em"}]},{"text":": There are edge cases where the payment has been received by the Creditor LFI but the payment cannot be applied to the User account and thus is returned to the originating Debtor LFI. These cases cannot be covered by the payment status as they are returned payments (and will appear as incoming credits to the User’s account).","type":"text","marks":[{"type":"em"}]}]},{"type":"heading","attrs":{"level":3},"content":[{"text":"3.5.1 Payment Execution Status for Aani","type":"text"}]},{"type":"layoutSection","marks":[{"type":"breakout","attrs":{"mode":"wide","width":1587}}],"content":[{"type":"layoutColumn","attrs":{"width":33.33},"content":[{"type":"paragraph","content":[{"text":"The Aani system, provides the following responses to the LFI which has sent a payment (pacs008 Credit Transfer):","type":"text"}]},{"type":"paragraph","content":[{"text":"a) Pacs.002 CT rejection: This is sent from the Aani Core system to the Debtor LFI due to validation failure of the Credit Transfer at the Aani Core. When receiving this, the LFI ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" set the Payment resource status to ‘Rejected’.","type":"text"}]},{"type":"paragraph","content":[{"text":"b) Rejection Payment Status Report (pacs.002): This is sent from the Aani Core system to the Debtor LFI (and the Creditor LFI) following a negative acknowledgment of the Account Verification process at the Creditor LFI. When receiving this, the LFI ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" set the Payment resource status to ‘Rejected’.","type":"text"}]},{"type":"paragraph","content":[{"text":"c) Accepted Payment Status Report (pacs.002): This is sent from the Aani Core system to the Debtor LFI (and the Creditor LFI) following a positive acknowledgment of the Account Verification process at the Creditor LFI. When receiving this, the LFI ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" set the Payment resource status to ‘Accepted Without Posting’. This is because the posting of the credit to the Creditor account and (the finalization of the debit of the earmarked funds to the Debtor account) will happen after this message is received by both the Debtor and the Creditor LFI.","type":"text"}]}]},{"type":"layoutColumn","attrs":{"width":66.66},"content":[{"type":"mediaSingle","attrs":{"layout":"center","width":1029,"widthType":"pixel"},"content":[{"type":"media","attrs":{"width":1045,"alt":"Payment Status Mapping Model New 9.png","id":"3f3916a0-d059-47a2-a7cb-23e9b7c66d19","collection":"contentId-325287937","type":"file","height":457}},{"type":"caption","content":[{"text":"Figure 10 : Payment Execution mapping for Aani","type":"text"}]}]}]}]},{"type":"paragraph","content":[{"type":"emoji","attrs":{"id":"atlassian-note","text":":note:","shortName":":note:"}},{"text":" ","type":"text"},{"text":"Note: There is no other payment status that is expected to be used with the Aani system. The use of the Accepted Settlement Completed Creditor Account (ACCC) status is for other payment systems such for SWIFT for international payments. ","type":"text","marks":[{"type":"em"}]}]},{"type":"heading","attrs":{"level":2},"content":[{"text":"3.6 Summary","type":"text"}]},{"type":"paragraph","content":[{"text":"In summary, the TPP ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" be able to check all the statuses that the payment has gone through from payment initiation to payment execution using the GET status payment details endpoint or the subscribed to event notifications. TPPs ","type":"text"},{"text":"MUST","type":"text","marks":[{"type":"strong"}]},{"text":" also be enabled to see the various historical reasons of why the payment has been in a specific state before it reached the terminal state. The only terminal states are:","type":"text"}]},{"type":"table","attrs":{"layout":"center","width":908.0,"localId":"4d5b4eac-ffbc-48b3-9a39-88c83bbd9d72"},"content":[{"type":"tableRow","content":[{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[433.0]},"content":[{"type":"paragraph","content":[{"text":"Terminal State","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"tableHeader","attrs":{"colspan":1,"background":"#fffae6","rowspan":1,"colwidth":[475.0]},"content":[{"type":"paragraph","content":[{"text":"Meaning","type":"text","marks":[{"type":"strong"}]}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[433.0]},"content":[{"type":"paragraph","content":[{"text":"Accepted Without Posting (ACWP)","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[475.0]},"content":[{"type":"paragraph","content":[{"text":"The Creditor LFI has accepted the payment, but the credit will not be immediate.","type":"text"}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[433.0]},"content":[{"type":"paragraph","content":[{"text":"Accepted Settlement Completed Creditor Account (ACCC)","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[475.0]},"content":[{"type":"paragraph","content":[{"text":"The Creditor LFI has accepted the payment and credit is applied to the beneficiary account.","type":"text"}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[433.0]},"content":[{"type":"paragraph","content":[{"text":"Rejected (RJCT)","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[475.0]},"content":[{"type":"paragraph","content":[{"text":"Either the Debtor LFI or the Creditor have rejected the payment.","type":"text"}]}]}]}]},{"type":"heading","attrs":{"level":1},"content":[{"text":"7. General","type":"text"}]},{"type":"heading","attrs":{"level":2},"content":[{"text":"7.1 ISO 20022 Payment Transaction Status Model","type":"text"}]},{"type":"heading","attrs":{"level":3},"content":[{"text":"7.1.1 ISO 200222 Transaction Status Diagram","type":"text"}]},{"type":"mediaSingle","attrs":{"layout":"center","width":743,"widthType":"pixel"},"content":[{"type":"media","attrs":{"width":439,"alt":"ISO Status model New 1.png","id":"cbbeb2fc-6ea6-49ba-a69b-34f75ae7c0c2","collection":"contentId-325287937","type":"file","height":438}}]},{"type":"paragraph","content":[{"type":"emoji","attrs":{"id":"atlassian-note","text":":note:","shortName":":note:"}},{"text":" ","type":"text"},{"text":"Note: Sequence of whether ACTC is done prior to ACCP or vice versa is up to each individual LFI. Similarly for other checks such as Funds Checking (ACFC) which may occur at different order and even during the payment processing instead of the payment initiation stage.","type":"text","marks":[{"type":"em"}]}]},{"type":"heading","attrs":{"level":3},"content":[{"text":"7.1.2 ISO 200222 Transaction Status Model Definitions","type":"text"}]},{"type":"table","attrs":{"layout":"center","isNumberColumnEnabled":true,"width":1144.0,"localId":"aba33374-74a1-4473-9d90-ea674e948035"},"content":[{"type":"tableRow","content":[{"type":"tableHeader","attrs":{"colspan":1,"background":"#f4f5f7","rowspan":1,"colwidth":[112.0]},"content":[{"type":"paragraph","content":[{"text":"Code Value","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"tableHeader","attrs":{"colspan":1,"background":"#f4f5f7","rowspan":1,"colwidth":[364.0]},"content":[{"type":"paragraph","content":[{"text":"Code Name","type":"text","marks":[{"type":"strong"}]}]}]},{"type":"tableHeader","attrs":{"colspan":1,"background":"#f4f5f7","rowspan":1,"colwidth":[623.0]},"content":[{"type":"paragraph","content":[{"text":"Code Definition","type":"text","marks":[{"type":"strong"}]}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[112.0]},"content":[{"type":"paragraph","content":[{"text":"ACCC","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[364.0]},"content":[{"type":"paragraph","content":[{"text":"AcceptedSettlementCompletedCreditorAccount","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[623.0]},"content":[{"type":"paragraph","content":[{"text":"Settlement on the creditor's account has been completed.","type":"text"}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[112.0]},"content":[{"type":"paragraph","content":[{"text":"ACCP","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[364.0]},"content":[{"type":"paragraph","content":[{"text":"AcceptedCustomerProfile","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[623.0]},"content":[{"type":"paragraph","content":[{"text":"Preceding check of technical validation was successful. 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It can only be used after bilateral agreement","type":"text"},{"type":"hardBreak"}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[112.0]},"content":[{"type":"paragraph","content":[{"text":"ACSP","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[364.0]},"content":[{"type":"paragraph","content":[{"text":"AcceptedSettlementInProcess","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[623.0]},"content":[{"type":"paragraph","content":[{"text":"All preceding checks such as technical validation and customer profile were successful and therefore the payment instruction has been accepted for execution.","type":"text"}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[112.0]},"content":[{"type":"paragraph","content":[{"text":"ACTC","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[364.0]},"content":[{"type":"paragraph","content":[{"text":"AcceptedTechnicalValidation","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[623.0]},"content":[{"type":"paragraph","content":[{"text":"Authentication and syntactical and semantical validation are successful","type":"text"}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[112.0]},"content":[{"type":"paragraph","content":[{"text":"ACWC","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[364.0]},"content":[{"type":"paragraph","content":[{"text":"AcceptedWithChange","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[623.0]},"content":[{"type":"paragraph","content":[{"text":"Instruction is accepted but a change will be made, such as date or remittance not sent.","type":"text"}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[112.0]},"content":[{"type":"paragraph","content":[{"text":"ACWP","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[364.0]},"content":[{"type":"paragraph","content":[{"text":"AcceptedWithoutPosting","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[623.0]},"content":[{"type":"paragraph","content":[{"text":"Payment instruction included in the credit transfer is accepted without being posted to the creditor customer’s account.","type":"text"}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[112.0]},"content":[{"type":"paragraph","content":[{"text":"BLCK","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[364.0]},"content":[{"type":"paragraph","content":[{"text":"Blocked","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[623.0]},"content":[{"type":"paragraph","content":[{"text":"Payment transaction previously reported with status 'ACWP' is blocked, for example, funds will neither be posted to the Creditor's account, nor be returned to the Debtor.","type":"text"}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[112.0]},"content":[{"type":"paragraph","content":[{"text":"CANC","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[364.0]},"content":[{"type":"paragraph","content":[{"text":"Cancelled","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[623.0]},"content":[{"type":"paragraph","content":[{"text":"Payment initiation has been successfully cancelled after having received a request for cancellation.","type":"text"},{"type":"hardBreak"},{"text":"Usage: code to be used in the context of APIs only.","type":"text"}]}]}]},{"type":"tableRow","content":[{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[112.0]},"content":[{"type":"paragraph","content":[{"text":"PATC","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[364.0]},"content":[{"type":"paragraph","content":[{"text":"PartiallyAcceptedTechnicalCorrect","type":"text"}]}]},{"type":"tableCell","attrs":{"colspan":1,"rowspan":1,"colwidth":[623.0]},"content":[{"type":"paragraph","content":[{"text":"Payment initiation needs multiple authentications, where some but not yet all have been performed. 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