As a Sponsor Bank, you can become enabled to receive inbound RTP transactions.

RTP Inbound Payment Flow

The following diagrams represent an RTP Inbound Payment Flow.

Inbound Credit Transfers

A client can receive funds with an account at your bank.

Example Flow

Note: Step three is shown below under Funds Movement.

Funds Movement

TabaPay receives an inbound credit transfer request through TCH-RTP for a client who sponsored by the Sponsor Bank.
TabaPay posts the inbound credit transfer request to Sponsor Bank.

Note: TabaPay and Sponsor Bank can opt to digitally sign the transfer with secure credentials provided by Sponsor Bank during the TabaPay-Sponsor Bank integration. In this case, any transaction initiated from TabaPay to Sponsor Bank without this digital signature is denied.

The Sponsor Bank transfer funds from the Sponsor Bank-RTP Account to the Merchant RTP Account (Merchant Beneficiary Account) at the Sponsor Bank.
Sponsor Bank responds back to TabaPay that the transaction is authorized by the Sponsor Bank.

Note: In the event of an exception, the Sponsor Bank responds back to TabaPay that the transaction is not authorized by the Sponsor Bank.

TabaPay responds back to TCH about completion of the inbound credit transfer request.

Note: In the event of an exception, TabaPay responds to TCH with the appropriate reason

Sponsor Bank Obligations

When TabaPay receives inbound credit transfers, credits are made to the Merchant Beneficiary Account at the Sponsor Bank

Secure Digital Credentials

TabaPay routes transfers to the Sponsor Banks. TabaPay digitally signs the transfer with secure credentials provided by the Sponsor Bank during the TabaPay-Sponsor Bank integration. Any transaction Initiated from TabaPay to the Sponsor Bank without this signature is denied.

Any credit transfer received by TabaPay from TCH for the merchant will be routed to the Sponsor Bank.

Sponsor Bank Integration with TabaPay

1. TabaPay Receives pacs.008

<?xml version="1.0" encoding="UTF-8"?><Message xmlns:ct="urn:iso:std:iso:20022:tech:xsd:pacs.008.001.08"
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"](http://www.w3.org/2001/XMLSchema-instance")  
xmlns="urn:tch"><AppHdr>\<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><CreditTransfer>\<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></CreditTransfer></Message>

2. TabaPay POSTs reformatted pacs.008 to Bank'

 {
  "amount": "38484.63",
  "debtor": {
    "name": "MRS.GREEN",
    "id": "US88664715164441",
    "routingNumber": "234567891"
  },
  "ultimateDebtor": {
    "name": "",
    "id": "",
    "routingNumber": ""
  },
  "creditor": {
    "name": "Valid",
    "id": "200210200375001",
    "routingNumber": "101115315"
  },
  "transactionId": "20210819234567891T1BZJAF00397615969",
  "instructionId": "20210819234567891T1BZJAF00397615969",
  "endToEndId": "EOTS794067097",
  "creationDateTime": "2021-08-19T12:46:18",
  "pacs008URLBase64Encoded": "URL-SAFE BASE64 ENCODING OF RAW pacs.008 ISO 20022 MESSAGE"
}

ultimateDebtor: Optional field. Will be present if present in the original pacs.008
pacs008URLBase64Encoded: Optional field. Present if bank configuration has "include original pacs.008" flag turned.

3. Bank responds with status of pacs.008 transaction

Accepted

{
"originalTransactionId":"20210610234567891T1BETSB00936349892",
"originalInstructionId":"20210610234567891T1BETSB00936349892",
"originalEndToEndId": "EOTS794067097" ,
"status": "ACTC"
}

Rejected—No additional info

{
"originalTransactionId":"20210610234567891T1BETSB00936349892",
"originalInstructionId":"20210610234567891T1BETSB00936349892",
"originalEndToEndId": "EOTS794067097" ,
"status": "RJCT",
"reason":
{
"code": "AC03"
}
}

Rejected—With additional info

4. TabaPay sends pacs.002 response to TCH

<?xml version="1.0" encoding="UTF-8"?><Message xmlns="urn: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"><AppHdr>\<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><Signature xmlns="http://www.w3.org/2000/09/xmldsig#"><SignedInfo><CanonicalizationMethod
Algorithm="http://www.w3.org/2001/10/xml-exc-c14n#"/><SignatureMethod Algorithm="http://www.w3.org/2001/04/xmldsig-
more#rsa-sha256"/><Reference URI=""><Transforms><Transform Algorithm="http://www.w3.org/2000/09/xmldsig#enveloped-
signature"/><Transform Algorithm="http://www.w3.org/2001/10/xml-exc-c14n#"/></Transforms><DigestMethod
Algorithm="http://www.w3.org/2001/04/xmlenc#sha256"/><DigestValue>mHtJig6ypg/p4le+NWe4iz+0A7sWn0Vkhh+miC8I058=\</  
DigestValue></Reference></SignedInfo><SignatureValue>olUPbTZJem1sCcBcXouf6RJ8bEv/DEBKB/v0zhWJffXAanRRQiHl/  
ouy4epGqy8+hD2TH1Ta4xBJ  
le3m5mR+HRsVaZ78aBJcvqq4cE1ZkxKPSR1y2goMqMPMAC3+zbWWZxK/VmEDgtJLFWd8zPnO4s7N  
U2d4a971klMO7VxZnGm6Ba7VKpkE0R6uvMK5fEFbPNj+FkVuAZVPGk3JhvRidQjvMZT3aL4fr+sp  
z8rcnahxSmOPigTtQZgHQEjbiNCEvEKSoRu5sVIN1XqjP0pKIETmfr4wxL6YnoEnv692fsx/XH0d  
yQ21kH4ZbuMSrcbuKH48OeuVfGrJCMovsXZiYA==\</  
SignatureValue><KeyInfo><X509Data><X509SubjectName>CN=tabapay.com,OU=Engineering,O=TabaPay,C=US,ST=CA,L=Mountain  
View\</  
X509SubjectName><X509Certificate>MIIDfzCCAmegAwIBAgIEIIt0OTANBgkqhkiG9w0BAQsFADBwMRYwFAYDVQQHEw1Nb3VudGFpbiBW  
aWV3MQswCQYDVQQIEwJDQTELMAkGA1UEBhMCVVMxEDAOBgNVBAoTB1RhYmFQYXkxFDASBgNVBAsT  
C0VuZ2luZWVyaW5nMRQwEgYDVQQDEwt0YWJhcGF5LmNvbTAeFw0yMTAxMjIwNDIzMTdaFw0yMzAx  
MjIwNDIzMTdaMHAxFjAUBgNVBAcTDU1vdW50YWluIFZpZXcxCzAJBgNVBAgTAkNBMQswCQYDVQQG  
EwJVUzEQMA4GA1UEChMHVGFiYVBheTEUMBIGA1UECxMLRW5naW5lZXJpbmcxFDASBgNVBAMTC3Rh  
YmFwYXkuY29tMIIBIjANBgkqhkiG9w0BAQEFAAOCAQ8AMIIBCgKCAQEAyhA2caO4K136Itiq3XjQ  
or+9O2mmksKtFhI40DpRrmn7grsNNfnOgs29vGpb8Q8PPoDEgsq5QTncCI3l+oC/Z2kUDd6HQYCA  
cdgQKtv5l4AhxabEW68y5iS9HsvE5H93JyPDN3qMZPFQ7QZg4DEWhFEJF9colIieDRirlz8MECxy  
mpTCJHJ/ggeJ3lemNuiQq5mUQdjDn3Nmuw4hCrsum1RkKgfn+iMNN4/lzGN/ZH4FWwmuRcR17Zx/  
FFoIAV384z5SXDZNOPlVBbYTlm0X5LWjeq7sEavrbhd6aXcCrCZp2X4Dsoht+ld2Btq/nvKoS6wm  
IrhgFXSaCPUz8rgBtwIDAQABoyEwHzAdBgNVHQ4EFgQU2MptzPctKICB4g125pGaH4g4yngwDQYJ  
KoZIhvcNAQELBQADggEBAEKzQT0s9DPccctYE6j6Y2TKdBRjWS2KCKcV5pFUhOW+BwFqFXhU8Buy  
1JjrtjbzNJxN0UoEmmKswY6ScP8aV2+EMLpY4lZvJtCvONg1kgZ7j4Tt5vzQsQtJYUwqrPc0mE42  
K0FgyAcw8Wl+gQFaydiV1aFCc3Y1kB5gIIH7RnfAGZELYisroOrlr64EsCuorOZJvYQlBm2/Vkae  
PW71+ozXrxDGwnl2xzGK/x8R5R+GUWag87TI0MtMcHepE56EGbJxgiVMBamyVlQ8BETrZSDi3YXL  
St4W8lap8oDTKK1uwErG69iOgqjmotM+1SB+mKIULFMcpLaUOe/NdhNX+Ic=</X509Certificate></X509Data></KeyInfo></Signature>\</  
head:Sgntr>\</  
AppHdr><MessageStatusReport>\<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></MessageStatusReport></Message>

Exception Scenarios

For more information, refer to the following links.

Changes to Enable Bank Statement for RTP Transactions

Please refer RTP Bank Statement

Edge Cases

Please refer RTP Edge Cases for details.