Payment message
After the client confirms payment, the bank sends a request to the DCM platform in JWT format using the POST/payment_message method to create a Payment Message.
Request format:
When forming a Payment Message, it is important to consider the structure's specifics.
JWT format
curl --location 'https://api-mo57zm.integrate.dcmapis.com/api/v1/counterparty/84787e33-94e1-c871-c386-c6ae7ec1d296/payment-message' \
--header 'CX-Authorization: eyJhbGciOiJSUzI1NiIsImtpZCI6IjlBMjFERDYyLURBNTYtNDAyRC04N0E1LTQ3MTRCMTEzREFENCIsInR5cCI6IkpXVCJ9.eyJpYXQiOjE3MzMzMTgzODUsImp0aSI6ImMwMjRjNzFhLWI3Y2ItNGYxMy1hNjA3LTFhMmVmZWI0NDBkOCJ9.c8vM_S5mvv4FG1v-s_Eah9sPVjrWhzTsXC8r4muBy1Hm5JtrnDNkP8iej_JRdHgc8sHona8LkqSIOfI_yzebDCoSX6RnRUMUh3CDVlHuFqPezi1u2TSNiLja47rR-TUzeHzEVY4leuyAshowvTosErT1eckRs23U2S03OOXynqGjsRt3DxVbJLp1D9wH1c0DO1gVpWZ8cH5s1UGQpm5lw1tCCWHikkDFFiBaI7wseBrtv7_gzQ47LAX5VEti0XAQbF1h4GwyYBrT6WHX-WVda6hfCVlljkfGSF4H9AORpadmeMMMB0ucjIk7gGTyd3T9HmV8pTT4v6vOfVUnQBRhog' \
--header 'Content-Type: application/json' \
--data '{
"jwt": "eyJhbGciOiJSUzI1NiIsImtpZCI6IjlBMjFERDYyLURBNTYtNDAyRC04N0E1LTQ3MTRCMTEzREFENCIsInR5cCI6IkpXVCJ9.eyJhbW91bnQiOjEwMDY5LCJjcmVkaXRvciI6eyJjcmVkaXRvcl9hY2NvdW50IjoiVUE0MzM4MDgxNjI2MDAxMTI0MzQ2MzQ1OTM0NTMiLCJjcmVkaXRvcl9pZCI6IndzaXNUVlBlbzlPRlQ1anV0dmV4MnBZMkVseitIODV0IiwiY3JlZGl0b3JfbmFtZSI6IklWcEs0TFZ6dGp2dUdITXhSdjE1SXU5WVQ0Z2ZrVkVvRmF6M3RDZkFRQT09In0sImNyZWRpdG9yX2FnZW50X2JpYyI6IjM4MDgxNiIsImN1cnJlbmN5IjoiVUFIIiwiZGVidG9yIjp7ImRlYnRvcl9hY2NvdW50IjoiVUEyNzgyODQ1MTczNDUyMTgyNTExNzgzNDY4NDIiLCJkZWJ0b3JfaWQiOiJ3OHlwVGxYZXB0eFovTk84eHNsQkl0OUlGVlRUSlZ3Y2tRYz0iLCJkZWJ0b3JfbmFtZSI6IklXdEwvN1ZXUmxtOGRoeGdGN3NhRnEwNnpjUG42K3lRY2xTR3h5NThRNXhDQXpFeEdvcEVoR09wakdYQk9BU3oxdFRhcHNUeVhVRFlCMy9oWXpkVC9QQ29IQ01iMmRGRCIsImRlYnRvcl9waG9uZSI6IiszODA1MDEyMzQ1NjcifSwiZGVidG9yX2FnZW50X2JpYyI6IjM4MDgxNiIsImVuY3J5cHRpb24iOnsiZW5jcnlwdGVkX2tleSI6ImZ2OXpQRWhDTFM0TjRXWEk1UmJta3IyRjA2b1Z2QUFscmlYN3BLOU4zYk5xbHM1TGcyMmFEa3p5SjJ5enJzVGV0eWd4cjRIWW9pRXlDRUdJWXBjOTZUNko5SXlKMHVzcTB3N1drMTErajlRaUhKRlpsMTVXQks2cm9KY3lGU2hCRzZiWmlYOTJ4ZGp0dkVGQzlLakhoaTk3Q0YvdHNnMW05cEtsUkJCbWs0cHRRbmwwZTYvVDl2eHorekI5YXJKSG5UTStaS1pjNnYwWWJQUEY5OHAzNVRHUGJDRlR6dnk2bjhFOUNJT0NDazVWekJhTllZODlHRG5MY1h6ZlNsR2xYQXVnd2VKaTNncjhQakgzbEc0UUJ0b3ZxNk9tZ1NRVlZhUkVNTWdPTjU3ME5jSE5iOXcyVlYxZHlSVDh1L3pSV0dmTEhteFNYLy9SdkhMTkJsSzNuUT09Iiwibm9uY2UiOiJob2t3Nk90UVFBNEJkb1p5In0sImlhdCI6MTczMzMxODM4NSwianRpIjoiYzAyNGM3MWEtYjdjYi00ZjEzLWE2MDctMWEyZWZlYjQ0MGQ4IiwibXNnX2NyZWF0aW9uX2RhdGUiOiIyMDI0LTEwLTMwIiwibXNnX2NyZWF0aW9uX3RpbWUiOiIxMjoxMjoxMiIsIm9yZGVyX2lkIjoiZTA4ODczNjQtOTAzNy00ODY3LWFmMmYtNDdjMGZiY2NiMjQ0IiwicGF5bWVudF9tZXNzYWdlX2V4dGVybmFsX2lkIjoiMWYxY2U3ODUtMmQzNy00YmFkLTliY2EtMjE3YmNlMWZiMWU1IiwicG1fdHlwZSI6InRyYWRlIiwicHVycG9zZSI6ItCe0L_Qu9Cw0YLQsCDQt9CwINGC0L7QstCw0YAg0LfQs9GW0LTQvdC-INGW0Lcg0LfQsNC80L7QstC70LXQvdC90Y_QvCAjNDI5NTFhMGU3YmQyNDNkYjk1YmUiLCJzZW5kZXJfYWNjb3VudF90eXBlIjoibGltaXQtcmVsYXRlZCJ9.OcWjFZynoK2kIrTNVqyS_7ZkmepPnLjDNVpt64lH4IIH000V5R8dizCWwwIKa1La_e6IMoVLNV0ShQAELaaq_q-YMNfAcO2vf0Y01eThNfTgDATISwwyikXdjFwFUlDQSoPYqxRZ_vrGS0fwHiP_z3-2P1olAViWanJ20xWQw0BB5BMtpxd8BIVXq58ZLEPTwzfSrkea7D1IbE1CBC3zLNrkrL5l-6jixvOKJZN_LYiBYEO9ebPsxlYeLO-vkiGldZuld1ptL0CWTogi7MpxZ5u-nyrNZ9dGrTpja4T9hx0D9ys2b1wdXJxaMP5kaxU15vMp9CVP96oHTVbWByldMg"
}'Request Payload:
{
"jti": "T12fa2213", - Unique JWT request identifier (generated by the Bank)
"payment_message_external_id": "112663", - Unique payment identifier (generated by the initiating Bank)
"amount": 5, - Payment amount
"currency": "UAH", - Payment currency
"debtor_agent_bic": "306500", - code of the initiating bank
"debtor": {
"debtor_name": "encrypted value", - Payer's name (in encrypted format)
"debtor_id": "encrypted value", - Payer's tax ID (in encrypted format)
"debtor_account": "UA761372924114433543273694797", - Payer's account (IBAN)
"debtor_phone": "+380661234567", - Payer's phone number
},
"creditor_agent_bic": "380816", - code of the receiving bank
"creditor": {
"creditor_name": "encrypted value", - Recipient's name (in encrypted format)
"creditor_id": "encrypted value", - Recipient's tax ID (in encrypted format)
"creditor_account": "UA761372924114433543273694797", - Recipient's account (IBAN)
},
"order_id": "bb95a18f-bd52-46ae-bb1e-0e6f42bf48f5", - Order identifier
"purpose": "Tesgtft777", - Payment purpose
"msg_creation_date": "2023-12-10", - Payment message date (format: YYYY-MM-DD)
"msg_creation_time": "14:30:12", - Payment message time (format: HH:MM:SS Kyiv time UTC+2)
"pm_type": "trade", - Payment type (enum: trade/p2p/return/aid)
"sender_account_type": "limit-related", - Payer's account type (enum: limit-related for all types except aid / aid-related for international aid payments only)
"encryption": {
"nonce": "A1B2C3D4E5F6G7H8", - Encryption salt
"encrypted_key": "a1b2c3d4e5f6g7h8i9j0" - Encrypted key value
}
}Response 2хх
{
guid: '9dcf8b3b-c9fe-498c-9adf-364c30804f26'
}The DCM platform allows retrieving information about the status of a Payment Message using a GET request with either:
Order Identifier (order_id)
Endpoint
Unique Payment Message Identifier (payment_message_guid)
Endpoint
Example:
curl --location --globoff '{{url_host}}/api/v1/merchants/order/57f86cec-fb2b-443b-8e10-1386c8ba9f2b/payment-message' --header 'CX-Authorization: eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCIsImtpZCI6IkRoMTZpVHJ2TzlqTDFGQUJtbVhyWFJEOWo4Zk91eE1SaE5lWll1SVc0NVUifQ.eyJpYXQiOjE0MTYyMzkwMjIsImp0aSI6IjNjdmZlMzJyd3EyMzJ3cWNzYWMzc3Nhd3E0NDY2NiJ9.C3e7usk6oEA6Ps6qwsYRQTEjcJWCr6sKNmYhrx_XWcbG_UkEOIQ0XqLxXA0Ww0_VPNLqlr5-VRflTZKslKLg5zsn3OHePze-T_usJ3YWvzLSe4kL7j9Ott_N9-PTRzP3pyfZSI3MqxJFW_5iptEOLRYBKGmsfM9QZriaqoKQ2vY7UHf66nWoaGVNgdbm1lNUnKZ6bXJIYC0Fp5OvtG9S6ajBEMiGr07KjWHr2gBPjPI4rgVFugakQ9jjKJuXImZpfTNsvvPfEtyVKNKGaD1hnGejB04Zc83SGzHJQLQgDweKqchrYhazRRe7QAqKa96W57YNdo3_T4DO0zFG673nbw'
Response 200
{
"jti": "T12fa2213",
"payment_message_external_id": "112663",
"amount": 5,
"currency": "UAH",
"debtor_agent": {
"debtor_agent_name": "TPN Bank", - Name of the initiating bank
"debtor_agent_bic": "306500"
},
"debtor": {
"debtor_name": "encrypted value",
"debtor_id": "encrypted value",
"debtor_account": "UA761372924114433543273694797"
},
"creditor_agent": {
"creditor_agent_name": "Second Bank", - Name of the receiving bank
"creditor_agent_bic": "380816"
},
"creditor": {
"creditor_name": "encrypted value",
"creditor_id": "encrypted value",
"creditor_account": "UA761372924114433543273694797",
"creditor_uid": "bb95a18f-bd52-46ae-bb1e-0e6f42bf48f5", - Recipient's identifier
},
"ultimate_creditor": { - Information about the ultimate beneficiary of the funds (if available)
"ultimate_creditor_name": "Global Payments Ltd.", - Name
"ultimate_creditor_id": "0012345678", - Tax identification number
"ultimate_creditor_iban": "UA723445993115212345678", - Account number (IBAN)
"ultimate_creditor_bic": "300650", - code of the servicing bank
"ultimate_creditor_mcc": "1234", - Merchant category code
},
"order_id": "a38c4e9a-ee54-4e3c-90a4-d6af5e39cfc7",
"purpose": "Tesgtft777",
"msg_creation_date": "2023-12-10",
"msg_creation_time": "12:12:12",
"pm_type": "trade",
"sender_account_type": "aid-related",
"encryption": {
"nonce": "A1B2C3D4E5F6G7H8",
"encrypted_key": "a1b2c3d4e5f6g7h8i9j0"
},
"public_key": { - Information about the recipient bank's public key (used for data encryption)
"e": "AQAB",
"n": "iwdsLwz7LyT4i9MJVfHbuLESFqFN5ezuXMweum25ATblKxSupdc8kaVSC85n3YIocq",
"kid": "9A21DD62-DA56-402D-87A5-4714B113DAD4",
"kty": "RSA",
"use": "sig"
},
"status": "success", - Request status
"reason": "Payment message is approved", - Comment
"guid": "28c2c099-79aa-4267-a913-9c0facd654ca", - Unique identifier of the payment message
}Response 400
{
"error": "not found"
}Payment Message Statuses:
Pending - In processing (callback flow in progress).
Success - Callback flow successfully completed. The payment has been included in the gross settlement register.
Reject - Canceled. Callback flow failed.
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