3️⃣Callback 3 “Pay-out”
DCM platform sends a callback to the Initiating Bank in JWT format after:
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.
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):
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