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RTP Edge Cases

The following scenarios outline edge cases for RTP to consider during your RTP integration.

1. Receive pacs.008: Bank Connection Failure/Timeout with Bank

1. No Response from Bank Steps
  1. TCH sends pacs.008
  2. TabaPay validates the pacs.008 file
  3. TabaPay sends the bank request with the reformatted pacs.008
  4. No response from the sponsor bank
  5. TabaPay rejects pacs.008 and stores transaction as UNKOWN
  6. TCH receives the pacs.002
  7. TabaPay reconciles the RTP transaction next business day

TabaPay Receives No Response from Bank

Bank Response TabaPay Response Did TCH move money Action Item
Accepted Rejected No Bank to reconcile off of TabaPay's next day Report
Rejected Rejected No

Receive pacs.008: TCH Connection Failure/Timeout with TCH

2. No TCH Receipt of pacs.002 Steps
  1. TCH sends pacs.008
  2. TabaPay validates the pacs.008 file
  3. TabaPay sends the bank request with the reformatted pacs.008
  4. Bank receives request and sends response
  5. TabaPay formats bank's response to pac.002
  6. TCH may or may not have received pacs.002
  7. TabaPay reconciles the RTP transaction next business day

TCH Receipt of pacs.002 is Unknown

If TCH does not receive a pacs.002, money will NOT move

If TCH does receive a pacs.002, money will move according to the status

Bank Response TabaPay Response pacs.002 Received Action Item
Accepted Accepted Yes None
No Bank is short amount, must debit the customer account that received funds
Rejected Rejected Yes None
No

Send pacs.008: TCH Connection Failure/Timeout

3. Outbound pacs.008 UNKOWN Steps
  1. Client sends RTP request
  2. TabaPay receives the request and sends the pacs.008 file
  3. TCH receives pacs.008
  4. TCH attempts to send pacs.002—connection failure
  5. TabaPay does not receive pacs.002, stores the transaction as UNKOWN, and Sends to client
  6. Client receives UNKOWN response
  7. TabaPay reconciles RTP transaction next business day 8a. If no reversal is needed, then no action needed 8b. If Reversal is needed, TabaPay sends camt.056 file
  8. TCH receives camt.056 and sends pacs.008
  9. TabaPay validates the pacs.008 and sends reformatted pacs.008
  10. Bank receives the pacs.008

Outbound pacs.008 Status is Unknown

If TCH does not receive a pacs.002 money will NOT move

If TCH does receive a pacs.002, money will move according to status

TCH Response to pacs.008 Did Bank move money? Action Item
Accepted Yes None
No TCH has moved money, Bank to move money from customer to TCH
Rejected Yes TabaPay will issue a camt.056 to TCH, and pacs.008 is sent to Bank
No None

Updated 15 days ago