4️⃣Callback 4 "Credit callback"

DCM platform sends a "Credit callback" to the Receiving Bank in JWT format.

Based on this callback, the Merchant's Bank may decide to provide credit to the Merchant if stipulated by the business model.

Receiving a 4xx response to the "Credit callback" 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 platformk staff in collaboration with the Receiver Bank.

The transaction is considered "successful" and is included in the consolidated gross settlement register.

JWT format

eyJhbGciOiJSUzI1NiIsImtpZCI6IjljMzdlYjc5LWI2YmYtNDQzNC1hYzNhLTM1NTZjOGI0YjBmNyIsInR5cCI6IkpXVCJ9.eyJwYXltZW50X21lc3NhZ2UiOnsiYW1vdW50IjoyMSwiY3JlZGl0b3IiOnsiY3JlZGl0b3JfYWNjb3VudCI6IlVBMDYzODA4MTYwMDQxNDY5OTQ4MzIyNTIzMzg5IiwiY3JlZGl0b3JfaWQiOiI0NDY4Mzg1NiIsImNyZWRpdG9yX25hbWUiOiJBdXRvbWF0aW9uIE1lcmNoIiwiY3JlZGl0b3JfdWlkIjoiOGIyZWNmYmYtZTdmNC1jZTc2LTU3ZjQtMmJiNGExYTBhNWNkIn0sImNyZWRpdG9yX2FnZW50Ijp7ImNyZWRpdG9yX2FnZW50X2JpYyI6IjM4MDgxNiIsImNyZWRpdG9yX2FnZW50X25hbWUiOiJU0J_QnSDQkdCw0L3QuiJ9LCJjdXJyZW5jeSI6IlVBSCIsImRlYnRvciI6eyJkZWJ0b3JfYWNjb3VudCI6IlVBNDMzODA4MTY3ODMxNzY2NDYxOTYwOTcwMDAwIiwiZGVidG9yX2lkIjoiMTczMzM1MDYzOTgzNSIsImRlYnRvcl9uYW1lIjoiSm9obiBEb3cxNzMzMzUwNjM5ODM1In0sImRlYnRvcl9hZ2VudCI6eyJkZWJ0b3JfYWdlbnRfYmljIjoiMzgwODE2IiwiZGVidG9yX2FnZW50X25hbWUiOiJU0J_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.PCjn6SlfVHk47MmAGsuM4cBkg-RYan_CHk0a-Zu9F6MojO-_Xx64XzXK2bap59dTp78_KAflvJYuZQqbnbWVIxgO_yWdT8mEJ4-RWyyQTKftDzvXHboRlQIrXg7P4IxfWazayMxZ0cPCNWCtecjGktvW79WXCAm6XjuUtiii3sQ5hmn_DtmX9__kVMs_6gzMWReog4pNnHgxS4CE-my8OcL-MUKLksqtiOJeZSAFwEbXN1r38BYHTc1jr4wRrkR1YEtthfdKLGRjumvvFn-ydwYnVkMEDyetK9duKOHtxzhkcQqdNntry_7Fqu4xdbCmWO4ReTPvu_VPYCQrdFkbHA

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" - callback status 
  "reason": "Credit is allowed"
  }