3️⃣Callback "Pay-out"

The DCM platform sends a callback to the recipient's bank in JWT format Payload сallback

The structure of the "Pay-out" callback is identical to the "Pay-in" callback. Additionally, a "Reason" field is introduced, which provides an explanation of the transaction status.

{ 
“payment_message”: {
"jti": "T12fa2213", 
"payment_message_external_id": "112663", 
"amount": 5, 
"currency": "UAH", 
"debtor_agent": { 
"debtor_agent_name": "TPN Bank", 
"debtor_agent_bic": "306500" 
}, 
"debtor": { 
"debtor_name": "encrypted value", 
"debtor_id": "encrypted value", 
"debtor_account": "UA761372924114433543273694797", 
}, 
"creditor_agent": { 
"creditor_agent_name": "Second Bank", 
"creditor_agent_bic": "380816" 
}, 
"creditor": { 
"creditor_name": "encrypted value", 
"creditor_id": "encrypted value", 
"creditor_account": "UA761372924114433543273694797", 
}, 
"order_id": "a38c4e9a-ee54-4e3c-90a4-d6af5e39cfc7", 
"purpose": "Tesgtft777", 
"msg_creation_date": "2023-12-10", 
"msg_creation_time": "12:12:12", 
"pm_type": "p2p", 
"sender_account_type": "limit-related", 
"encryption": { 
"nonce": "A1B2C3D4E5F6G7H8", 
"encrypted_key": "a1b2c3d4e5f6g7h8i9j0" 
}, 
"public_key": { 
    "alg": "RS256"
    "e": "AQAB", 
    "n": "iwdsLwz7LyT4i9MJVfHbuLESFqFN5ezuXMweum25ATblKxSupdc8kaVSC85n3YIocq, 
    "kid": "9A21DD62-DA56-402D-87A5-4714B113DAD4", 
    "kty": "RSA", 
    "use": "sig" 
  } 
}, 
"payment_message_guid": "8af3c3f5-7543-4bc2-8a0f-2e27f4d16972",
"status": "success"
"reason": "Payment message is approved by the receiver's bank" 
}

Response

• Code "2хх

Receiving a 4xx Response from the recipient bank for the "Pay-out" callback does not stop the transaction process in the DCM platform.

The DCM platform performs retry attempts according to its Retry Policy to obtain a 2xx response. If a 4xx response is received again, the callback is escalated for manual processing. Manual processing is carried out by DCM platform staff in coordination with the initiating bank.

The transaction is considered "successful" and is included in the aggregated settlement registers for payment.