RTP - Inbound or Receive

How it works

1830

Sponsor Bank Obligations

1340

Sponsor Bank Integration with TabaPay

917 1068

1. TabaPay Receives pacs.008

xmlns:head="urn:iso:std:iso:20022:tech:xsd:head.001.001.01" p3:schemaLocation="urn:tch messages.xsd" xmlns:p3="http://
www.w3.org/2001/XMLSchema-instance"
xmlns="urn:tch"><head:Fr><head:FIId><head:FinInstnId><head:ClrSysMmbId><head:MmbId>990000001T1</head:MmbId></
head:ClrSysMmbId></head:FinInstnId><head:BrnchId><head:Id>234567891T1</head:Id></head:BrnchId></head:FIId></
head:Fr><head:To><head:FIId><head:FinInstnId><head:ClrSysMmbId><head:MmbId>200000020A1</head:MmbId></head:ClrSysMmbId></
head:FinInstnId></head:FIId></head:To><head:BizMsgIdr>B20210819990000001T1HOTS01758736876</
head:BizMsgIdr><head:MsgDefIdr>pacs.008.001.08</head:MsgDefIdr><head:CreDt>2021-08-19T12:46:18</
head:CreDt><head:Sgntr><ds:Signature xmlns:ds="http://www.w3.org/2000/09/
xmldsig#"><ds:SignedInfo><ds:CanonicalizationMethod Algorithm="http://www.w3.org/TR/2001/REC-xml-c14n-20010315" /

<ds:SignatureMethod Algorithm="http://www.w3.org/2001/04/xmldsig-more#rsa-sha256" /><ds:Reference
URI=""><ds:Transforms><ds:Transform Algorithm="http://www.w3.org/2000/09/xmldsig#enveloped-signature" /><ds:Transform
Algorithm="http://www.w3.org/2006/12/xml-c14n11" /></ds:Transforms><ds:DigestMethod Algorithm="http://www.w3.org/
2001/04/xmlenc#sha256" /><ds:DigestValue>hgaif4wwr+5klW8vL4f0zSsHgEjF7Kcy1UvrdYQ+45Y=</ds:DigestValue></ds:Reference></
ds:SignedInfo><ds:SignatureValue>Pyf/12TYlwQ1BsvZsBJ+n/KY17/ezENxmAiSJqeJHHXw3AFQGYgBO8+eizqA/
VjX2TbI09GLvl4YgP9i+nU5BNeU1Z3wvFX6yM0O/
ZWdKq9mkJq9BYk3eDDC0YpnAXXvUKS2BwkBa82qB1aFB2tEGDYDsoTZGfS0No3gOPyy+kwA+XLG17DbtjsHHL8Uv5QyEHKJTn22xVHTmcsQwYTe32mGlllws
E1d+RoQ7HnMPMLyqwyakvBLpqowBgO6dOqNycKVrmONoANAfUHedbzkRGTMb9tJiaG3hGVJ1Wu/
MjzJlNFaE9jYz3EdOAsqydxxMFpb3eigKMb4hfCuXG+Tgg==</ds:SignatureValue><ds:KeyInfo><ds:X509Data><ds:X509SubjectName>CN=Open
Test Solutions,OU=OTS,O=FIS,L=Diegem,ST=Vlaams-Brabant,C=BE</
ds:X509SubjectName><ds:X509IssuerSerial><ds:X509IssuerName>CN=Open Test Solutions, OU=OTS, O=FIS, L=Diegem, ST=Vlaams-
Brabant, C=BE</ds:X509IssuerName><ds:X509SerialNumber>610326338160951572</ds:X509SerialNumber></ds:X509IssuerSerial></
ds:X509Data></ds:KeyInfo></ds:Signature></head:Sgntr></
AppHdr><ct:FIToFICstmrCdtTrf><ct:GrpHdr><ct:MsgId>M20210819234567891T1BOTS00577924200</
ct:MsgId><ct:CreDtTm>2021-08-19T12:46:18</ct:CreDtTm><ct:NbOfTxs>1</ct:NbOfTxs><ct:TtlIntrBkSttlmAmt
Ccy="USD">38484.63</ct:TtlIntrBkSttlmAmt><ct:IntrBkSttlmDt>2021-08-19</ct:IntrBkSttlmDt><ct:SttlmInf><ct:SttlmMtd>CLRG</
ct:SttlmMtd><ct:ClrSys><ct:Cd>TCH</ct:Cd></ct:ClrSys></ct:SttlmInf></
ct:GrpHdr><ct:CdtTrfTxInf><ct:PmtId><ct:InstrId>20210819234567891T1BZJAF00397615969</
ct:InstrId><ct:EndToEndId>EOTS55913908</ct:EndToEndId><ct:TxId>20210819234567891T1BZJAF00397615969</
ct:TxId><ct:ClrSysRef>001</ct:ClrSysRef></ct:PmtId><ct:PmtTpInf><ct:SvcLvl><ct:Cd>SDVA</ct:Cd></
ct:SvcLvl><ct:LclInstrm><ct:Prtry>STANDARD</ct:Prtry></ct:LclInstrm><ct:CtgyPurp><ct:Prtry>CONSUMER</ct:Prtry></
ct:CtgyPurp></ct:PmtTpInf><ct:IntrBkSttlmAmt Ccy="USD">38484.63</ct:IntrBkSttlmAmt><ct:ChrgBr>SLEV</
ct:ChrgBr><ct:InstgAgt><ct:FinInstnId><ct:ClrSysMmbId><ct:MmbId>234567891</ct:MmbId></ct:ClrSysMmbId></ct:FinInstnId></
ct:InstgAgt><ct:InstdAgt><ct:FinInstnId><ct:ClrSysMmbId><ct:MmbId>101115315</ct:MmbId></ct:ClrSysMmbId></
ct:FinInstnId></ct:InstdAgt><ct:Dbtr><ct:Nm>MRS. GREEN</ct:Nm><ct:PstlAdr><ct:StrtNm>Broadway</
ct:StrtNm><ct:BldgNb>1500</ct:BldgNb><ct:PstCd>NY 12345</ct:PstCd><ct:TwnNm>New York</ct:TwnNm><ct:CtrySubDvsn>NY</
ct:CtrySubDvsn><ct:Ctry>US</ct:Ctry></ct:PstlAdr><ct:Id><ct:PrvtId><ct:DtAndPlcOfBirth><ct:BirthDt>1984-01-01</
ct:BirthDt><ct:CityOfBirth>New York</ct:CityOfBirth><ct:CtryOfBirth>US</ct:CtryOfBirth></ct:DtAndPlcOfBirth></
ct:PrvtId></ct:Id></ct:Dbtr><ct:DbtrAcct><ct:Id><ct:Othr><ct:Id>US88664715164441</ct:Id></ct:Othr></ct:Id></
ct:DbtrAcct><ct:DbtrAgt><ct:FinInstnId><ct:ClrSysMmbId><ct:MmbId>234567891</ct:MmbId></ct:ClrSysMmbId></ct:FinInstnId></
ct:DbtrAgt><ct:CdtrAgt><ct:FinInstnId><ct:ClrSysMmbId><ct:MmbId>101115315</ct:MmbId></ct:ClrSysMmbId></ct:FinInstnId></
ct:CdtrAgt><ct:Cdtr><ct:Nm>Valid</ct:Nm><ct:PstlAdr><ct:StrtNm>NORTH AVE</ct:StrtNm><ct:BldgNb>1123</
ct:BldgNb><ct:PstCd>12344</ct:PstCd><ct:TwnNm>LOS ANGELES</ct:TwnNm><ct:CtrySubDvsn>LA</ct:CtrySubDvsn><ct:Ctry>US</
ct:Ctry></ct:PstlAdr><ct:Id><ct:PrvtId><ct:DtAndPlcOfBirth><ct:BirthDt>1989-01-09</ct:BirthDt><ct:CityOfBirth>LOS
ANGELES</ct:CityOfBirth><ct:CtryOfBirth>US</ct:CtryOfBirth></ct:DtAndPlcOfBirth></ct:PrvtId></ct:Id></
ct:Cdtr><ct:CdtrAcct><ct:Id><ct:Othr><ct:Id>200210200375001</ct:Id></ct:Othr></ct:Id></ct:CdtrAcct></ct:CdtTrfTxInf></
ct:FIToFICstmrCdtTrf>

2. TabaPay POSTs reformatted pacs.008 to Bank

693

3. Bank responds with status of pacs.008 transaction

Accepted

635

Rejected—No additional info

625

Rejected—With additional info

629

4. TabaPay sends pacs.002 response to TCH

xmlns:head="urn:iso:std:iso:20022:tech:xsd:head.001.001.01"
xmlns:ps="urn:iso:std:iso:20022:tech:xsd:pacs.002.001.10"><head:Fr><head:FIId><head:FinInstnId><head:ClrSysM
mbId><head:MmbId>200000020A1</head:MmbId></head:ClrSysMmbId></head:FinInstnId></head:FIId></
head:Fr><head:To><head:FIId><head:FinInstnId><head:ClrSysMmbId><head:MmbId>990000001T1</head:MmbId></
head:ClrSysMmbId></head:FinInstnId></head:FIId></head:To><head:BizMsgIdr>B20210819200000020A1BSCA12000070001</
head:BizMsgIdr><head:MsgDefIdr>pacs.002.001.10</head:MsgDefIdr><head:CreDt>2021-08-19T12:46:23</
head:CreDt><head:Sgntr>mHtJig6ypg/p4le+NWe4iz+0A7sWn0Vkhh+miC8I058=</
DigestValue>olUPbTZJem1sCcBcXouf6RJ8bEv/DEBKB/v0zhWJffXAanRRQiHl/
ouy4epGqy8+hD2TH1Ta4xBJ
le3m5mR+HRsVaZ78aBJcvqq4cE1ZkxKPSR1y2goMqMPMAC3+zbWWZxK/VmEDgtJLFWd8zPnO4s7N
U2d4a971klMO7VxZnGm6Ba7VKpkE0R6uvMK5fEFbPNj+FkVuAZVPGk3JhvRidQjvMZT3aL4fr+sp
z8rcnahxSmOPigTtQZgHQEjbiNCEvEKSoRu5sVIN1XqjP0pKIETmfr4wxL6YnoEnv692fsx/XH0d
yQ21kH4ZbuMSrcbuKH48OeuVfGrJCMovsXZiYA==</
SignatureValue>CN=tabapay.com,OU=Engineering,O=TabaPay,C=US,ST=CA,L=Mountain
View</
X509SubjectName>MIIDfzCCAmegAwIBAgIEIIt0OTANBgkqhkiG9w0BAQsFADBwMRYwFAYDVQQHEw1Nb3VudGFpbiBW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</
head:Sgntr></
AppHdr><ps:FIToFIPmtStsRpt><ps:GrpHdr><ps:MsgId>M20210819101115315T1BSCA12000070001</
ps:MsgId><ps:CreDtTm>2021-08-19T12:46:23</ps:CreDtTm></
ps:GrpHdr><ps:OrgnlGrpInfAndSts><ps:OrgnlMsgId>M20210819234567891T1BOTS00577924200</
ps:OrgnlMsgId><ps:OrgnlMsgNmId>pacs.008.001.08</ps:OrgnlMsgNmId><ps:OrgnlCreDtTm>2021-08-19T12:46:18</
ps:OrgnlCreDtTm><ps:OrgnlNbOfTxs>1</ps:OrgnlNbOfTxs></
ps:OrgnlGrpInfAndSts><ps:TxInfAndSts><ps:OrgnlInstrId>20210819234567891T1BZJAF00397615969</
ps:OrgnlInstrId><ps:OrgnlTxId>20210819234567891T1BZJAF00397615969</ps:OrgnlTxId><ps:TxSts>ACTC</
ps:TxSts><ps:AccptncDtTm>2021-08-19T12:46:23</ps:AccptncDtTm><ps:ClrSysRef>001</
ps:ClrSysRef><ps:InstgAgt><ps:FinInstnId><ps:ClrSysMmbId><ps:MmbId>101115315</ps:MmbId></ps:ClrSysMmbId></
ps:FinInstnId></ps:InstgAgt><ps:InstdAgt><ps:FinInstnId><ps:ClrSysMmbId><ps:MmbId>234567891</ps:MmbId></
ps:ClrSysMmbId></ps:FinInstnId></ps:InstdAgt><ps:OrgnlTxRef><ps:IntrBkSttlmAmt Ccy="USD">38484.63</
ps:IntrBkSttlmAmt><ps:IntrBkSttlmDt>2021-08-19</ps:IntrBkSttlmDt></ps:OrgnlTxRef></ps:TxInfAndSts></
ps:FIToFIPmtStsRpt>

Exception Scenarios

Changes to Enable Bank Statement for RTP Transactions

Please refer RTP Bank Statement

Edge Cases

Please refer RTP Edge Cases for details.