When an incoming_payment is created and linked to an internal_account mapped to Mambu Core, Mambu Payments automatically handles the associated verification and transaction booking.

Payment validation

As with outgoing payments, you can configure validation rules for incoming payments to either:

• Create an authorization hold on the corresponding deposit account
• Book the transaction directly

These validations can be combined with others, such as AML or sanctions screening.

Payment processing

Depending on the payment type and validation rules configured, the following outcomes are possible:

Payment rejected

For certain payment types (e.g. SCT Instant), Mambu Payments can automatically reject an incoming payment if the customer's account returns an error.

sequenceDiagram
participant C as You
participant N as Mambu Payments
participant M as Mambu Core
participant S as Connector
S->>N: Forward incoming SCT Instant
N->>+M: Create authorization hold
M->>-N: Refuse authorization hold
N->>S: Reject payment
N-->>C: incoming_payment.rejected

Payment received on customer account

If the payment is accepted, Mambu Payments books the corresponding transaction on the customer's account, settling any authorization hold created during payment validation.

sequenceDiagram
participant C as You
participant N as Mambu Payments
participant M as Mambu Core
participant S as Connector
S->>N: Forward incoming payment
N-->>C: incoming_payment.pending_approval
N->>+M: Create authorization hold
M->>-N: Accept authorization hold
N-->>C: incoming_payment.received
N->>M: Settle authorization hold
N-->>C: incoming_payment.cbs_authorization_settled

Payment received on suspense account

For payment types that cannot be rejected (e.g. classic SCT), Mambu Payments can automatically book the transaction to a configured suspense account when the customer's deposit account is unavailable.

sequenceDiagram
participant C as You
participant N as Mambu Payments
participant M as Mambu Core
participant S as Connector
S->>N: Forward incoming payment
N-->>C: incoming_payment.pending_approval
N->>+M: Create authorization hold
M->>-N: Refuse authorization hold
N-->>C: incoming_payment.received
N->>+M: Book on suspense account (if configured)