2️⃣Сallback 1 “Pay-in”
DCM platform sends a callback to the Initiator Bank JWT format after:
1. POST/payment_message request has been sent by the Initiator Bank.
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 BIC
"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": "string" (only for status reject)
}Response
Code 2xx: DCM platform sends the "Pay-in" callback to the Merchant.
Code 4xx: DCM platform sends the "Pay-out" callback to the Initiator Bank in JWT format with:
status "Reject"
reason "There is no response from the receiver's bank. Payment message is not processed."
Code 5xx: DCM platformsends retries according to the retry policy (10 retries). After 10 unsuccessful attempts, the "Pay-out" callback is sent to the Initiator Bank with the same response as Code 4xx.
2. receipt of a "Pay-in" callback from the Merchant, which contains a refusal to conduct the transaction (response is not equal to 2xx).