Callback 3 “Pay-out”
DCM platform sends a callback to the Initiating Bank in JWT format after:
The structure of the "Pay-out" callback fully corresponds to the "Pay-in" callback structure, with the addition of the "Reason" field, which contains an explanation of the operation status.
1. receiving a 2xx response from the Recipient Bank and Merchant:
Receiving a 4xx response to the callback "Pay-out" in the DCM platform does not halt the transaction process.
The DCM platform continues sending retry requests based on its Retry Policy to obtain a 2xx response. If a subsequent 4xx response is received, the callback is escalated for manual review. This review is conducted by the DCM platform staff in collaboration with the Initiating Bank.
The transaction is considered "successful" and is included in the consolidated gross settlement register.
JWT format
eyJhbGciOiJSUzI1NiIsImtpZCI6IjljMzdlYjc5LWI2YmYtNDQzNC1hYzNhLTM1NTZjOGI0YjBmNyIsInR5cCI6IkpXVCJ9.eyJwYXltZW50X21lc3NhZ2UiOnsiYW1vdW50IjoyMSwiY3JlZGl0b3IiOnsiY3JlZGl0b3JfYWNjb3VudCI6IlVBMDYzODA4MTYwMDQxNDY5OTQ4MzIyNTIzMzg5IiwiY3JlZGl0b3JfaWQiOiI0NDY4Mzg1NiIsImNyZWRpdG9yX25hbWUiOiJBdXRvbWF0aW9uIE1lcmNoIiwiY3JlZGl0b3JfdWlkIjoiOGIyZWNmYmYtZTdmNC1jZTc2LTU3ZjQtMmJiNGExYTBhNWNkIn0sImNyZWRpdG9yX2FnZW50Ijp7ImNyZWRpdG9yX2FnZW50X2JpYyI6IjM4MDgxNiIsImNyZWRpdG9yX2FnZW50X25hbWUiOiJU0J_QnSDQkdCw0L3QuiJ9LCJjdXJyZW5jeSI6IlVBSCIsImRlYnRvciI6eyJkZWJ0b3JfYWNjb3VudCI6IlVBNDMzODA4MTY3ODMxNzY2NDYxOTYwOTcwMDAwIiwiZGVidG9yX2lkIjoiMTczMzM1MDYzOTgzNSIsImRlYnRvcl9uYW1lIjoiSm9obiBEb3cxNzMzMzUwNjM5ODM1In0sImRlYnRvcl9hZ2VudCI6eyJkZWJ0b3JfYWdlbnRfYmljIjoiMzgwODE2IiwiZGVidG9yX2FnZW50X25hbWUiOiJU0J_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.Ad9FVJ6IxoFnGA7eGxFvVbLDPg3NoAhQFHHICuezZkRR1f4jNoa_1XKvdirEHjQdYj2k6ClmcG8L7MsbR3ZsN4K_OkmaEv5E3mlyGywvZ4vXpJE9a3ycscO4mr7QWDk5acqyNK3yNaquVKvKi9jf3wPquvlwEiGBjkRK5HQQuY6z76pJSZHwoWp-QgB8lDY5G-weu7r6Nha6cO0pYYrzOfxHEDqeBsNbwvBCgUs3vP8iGpeKKh8lon17PFZ0sm6EcHbN1AK9z97M19jrqGRBYG7jy4YNFiaJD3exZopIYBasYC2fv0syONmzQ0NPqZnSdzBl_7ZfN_CjN4hisjPx7Q
Payload сallback
{
“payment_message”: {
"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 recipient 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 identifier
},
"ultimate_creditor": { - Information about the ultimate beneficiary of the funds (if any)
"ultimate_creditor_name": "Global Payments Ltd.", - Name
"ultimate_creditor_id": "0012345678", - Tax number
"ultimate_creditor_iban": "UA723445993115212345678", - Account (IBAN)
"ultimate_creditor_bic": "300650", - Servicing bank's code
"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 public key of the recipient bank (which was used to encode the data)
"alg": "RS256"
"e": "AQAB",
"n": "iwdsLwz7LyT4i9MJVfHbuLESFqFN5ezuXMweum25ATblKxSupdc8kaVSC85n3YIocq,
"kid": "9A21DD62-DA56-402D-87A5-4714B113DAD4",
"kty": "RSA",
"use": "sig"
}
},
"payment_message_guid": "8af3c3f5-7543-4bc2-8a0f-2e27f4d16972",-unique identifier of the payment message
"status": "success" / "reject" - callback status
"reason": "Payment message is approved by the receiver's bank. Merchant is informed by the callback"
}2. Receiving a callback "Pay-in" from the Initiator Bank or Merchant, where the operation has been rejected (response not 2xx):
The difference from the "Pay-out" callback sent after receiving 2xx response is:
in case of refusal of the Recipient Bank
string"status" - "reject"
string "reason" - "There is no response from the receivers bank. Payment message is not processed"
in case of the Merchant's refusal
string "status" - "reject"
string"reason" - "No response on the callback from the merchant"
JWT format (in case of refusal of the Recipient Bank)
eyJhbGciOiJSUzI1NiIsImtpZCI6IjlBMjFERDYyLURBNTYtNDAyRC04N0E1LTQ3MTRCMTEzREFENCIsInR5cCI6IkpXVCJ9.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_Qu9Cw0YLQsCDQt9CwINGC0L7QstCw0YAg0LfQs9GW0LTQvdC-INGW0Lcg0LfQsNC80L7QstC70LXQvdC90Y_QvCAjNDI5NTFhMGU3YmQyNDNkYjk1YmUiLCJzZW5kZXJfYWNjb3VudF90eXBlIjoibGltaXQtcmVsYXRlZCJ9.OcWjFZynoK2kIrTNVqyS_7ZkmepPnLjDNVpt64lH4IIH000V5R8dizCWwwIKa1La_e6IMoVLNV0ShQAELaaq_q-YMNfAcO2vf0Y01eThNfTgDATISwwyikXdjFwFUlDQSoPYqxRZ_vrGS0fwHiP_z3-2P1olAViWanJ20xWQw0BB5BMtpxd8BIVXq58ZLEPTwzfSrkea7D1IbE1CBC3zLNrkrL5l-6jixvOKJZN_LYiBYEO9ebPsxlYeLO-vkiGldZuld1ptL0CWTogi7MpxZ5u-nyrNZ9dGrTpja4T9hx0D9ys2b1wdXJxaMP5kaxU15vMp9CVP96oHTVbWByldMg
JWT format (in case of the Merchant's refusal)
eyJhbGciOiJSUzI1NiIsImtpZCI6IjljMzdlYjc5LWI2YmYtNDQzNC1hYzNhLTM1NTZjOGI0YjBmNyIsInR5cCI6IkpXVCJ9.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_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.o6XeRnH_pcHktz9ctc_mSJWtGmsNOzEVsXn8x-L85TKU0pf8KjDT62luDtBCe1hXd_0ARxdEjGPpm5yTrlWII_XkZsepNlGGs1fzud-KkO_uK2Lv7Y076jZWXnAykW7sqwx1zys89OlGRimx73lp0u_npBkBWyR33tU-zq-BvKLCIbLRgbvZV4TSF4cAGq-N0FBSheWXcu3D_h6NmKwBNEqh0HRm2HBw1sexclCOE596-NGv8nP_2sHR1gi5vVHWkOacebPiGEPXqhxYOLc-wE35SHxCAci3GkF9RE5TjxK0kaTzFL_xxgQqgHeKyuJlzrbUDKVfH-qNCmRdLn0MLQ
Last updated