RTP - Inbound or Receive

RTP Inbound Payment Flow

Sponsor Bank Obligations

Sponsor Bank Integration with TabaPay

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

3. Bank responds with status of pacs.008 transaction

Accepted

Rejected—No additional info

Rejected—With additional info

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>