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Detailed ISO 20022 message-based integration flows

Learn more about detailed integration flows using ISO 20022 messages

1. Incoming payments

1.1. Incoming credit transfer / RTGS payment

1.1.1. Receiving an incoming credit transfer / RTGS payment

sequenceDiagram
participant Mambu Payments
participant Customer
participant Partner bank / clearing house

Partner bank / clearing house ->> Customer: Credit transfer/RTGS payment
Customer ->> Customer: Format ISO 20022 pacs.008 FI to FI credit transfer 
Customer ->> Mambu Payments: Send pacs.008 to SFTP / API
Mambu Payments->>Mambu Payments:Validate pacs.008 FI to FI credit transfer against XSD schema
Mambu Payments->>Mambu Payments:Parse pacs.008 FI to FI credit transfer
Mambu Payments->>Mambu Payments:Create incoming payment
Mambu Payments->>Customer:Send webhook event

1.1.2. Returning an incoming credit transfer / RTGS payment

sequenceDiagram
participant Mambu Payments
participant Customer
participant Partner bank / clearing house

Mambu Payments->>Mambu Payments:Create return
Mambu Payments->>Customer: Send ISO 20022 pacs.004 Payment return
Mambu Payments->>Customer:Send webhook event
Customer->>Customer: Validate pacs.004 against XSD schema
Customer->>Partner bank / clearing house: Send return

Partner bank / clearing house->>Customer: Return payment status report
Customer->>Customer: Format ISO 20022 pacs.002 Payment status report
Customer->>Mambu Payments: Send pacs.002 to SFTP / API
Mambu Payments->>Mambu Payments:Validate pacs.002 Payment status report against XSD schema
Mambu Payments->>Mambu Payments:Parse pacs.002 Payment status report
Mambu Payments->>Mambu Payments:Update return status
Mambu Payments->>Customer:Send webhook event

1.1.3. Receiving and responding to a recall of an incoming credit transfer / RTGS payment

sequenceDiagram
participant Mambu Payments
participant Customer
participant Partner bank / clearing house

Partner bank / clearing house ->> Customer: Recall payment
Customer ->> Customer: Format ISO 20022 pacs.056 FI to FI payment cancellation request 
Customer ->> Mambu Payments: Send pacs.056 to SFTP / API
Mambu Payments->>Mambu Payments:Validate  pacs.056 FI to FI payment<br/>cancellation request against XSD schema
Mambu Payments->>Mambu Payments:Parse pacs.056 FI to FI payment<br/>cancellation request
Mambu Payments->>Mambu Payments:Create return request
Mambu Payments->>Customer:Send webhook event

Note over Mambu Payments: Later

alt Recall denied
  Mambu Payments->>Customer: Send ISO 20022 camt.029 negative response to recall
  Mambu Payments->>Customer:Send webhook event
  Customer->>Customer: Validate camt.029 against XSD schema
  Customer->>Partner bank / clearing house: Send recall response
else Recall accepted
  Mambu Payments->>Customer: Send ISO 20022 pacs.004 positive response to recall
  Mambu Payments->>Customer:Send webhook event
  Customer->>Customer: Validate camt.004 against XSD schema
  Customer->>Partner bank / clearing house: Send recall response
  
  Partner bank / clearing house->>Customer: Return payment status report
  Customer->>Customer: Format ISO 20022 pacs.002 Payment status report
  Customer->>Mambu Payments: Send pacs.002 to SFTP / API
  Mambu Payments->>Mambu Payments:Validate pacs.002 Payment status report against XSD schema
  Mambu Payments->>Mambu Payments:Parse pacs.002 Payment status report
  Mambu Payments->>Mambu Payments:Update status
  Mambu Payments->>Customer:Send webhook event
end

1.1.4. Receiving an investigation request on an incoming credit transfer / RTGS payment

sequenceDiagram
participant Mambu Payments
participant Customer
participant Partner bank / clearing house

Partner bank / clearing house ->> Customer: Payment investigation request
Customer ->> Customer: Format ISO 20022 pacs.028 FI to FI payment investigation request 
Customer ->> Mambu Payments: Send pacs.028 to SFTP / API
Mambu Payments->>Mambu Payments:Validate  pacs.028 FI to FI payment<br/>investigation request against XSD schema
Mambu Payments->>Mambu Payments:Parse pacs.028 FI to FI payment<br/>investigation request
Mambu Payments->>Mambu Payments:Create inquiry
Mambu Payments->>Customer:Send webhook event

Note over Mambu Payments: Later

Mambu Payments->>Customer: Send ISO 20022 camt.029 Resolution of investigation
Mambu Payments->>Customer:Send webhook event
Customer->>Customer: Validate camt.029 against XSD schema
Customer->>Partner bank / clearing house: Send investigation response

1.1.5. Receiving a payment modification request of an incoming credit transfer / RTGS payment

sequenceDiagram
participant Mambu Payments
participant Customer
participant Partner bank / clearing house

Partner bank / clearing house ->> Customer: Payment modification request
Customer ->> Customer: Format ISO 20022 pacs.087 FI to FI payment modification request 
Customer ->> Mambu Payments: Send pacs.087 to SFTP / API
Mambu Payments->>Mambu Payments:Validate  pacs.087 FI to FI payment<br/>modification request against XSD schema
Mambu Payments->>Mambu Payments:Parse pacs.087 FI to FI payment<br/>modification request
Mambu Payments->>Mambu Payments:Create inquiry
Mambu Payments->>Customer:Send webhook event

Note over Mambu Payments: Later

Mambu Payments->>Customer: Send ISO 20022 camt.029 Resolution of investigation
Mambu Payments->>Customer:Send webhook event
Customer->>Customer: Validate camt.029 against XSD schema
Customer->>Partner bank / clearing house: Send investigation response

1.2. Incoming direct debit

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Documentation in progress

1.3. Incoming real-time payment

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Documentation in progress

2. Outgoing payments

2.1. Outgoing transfer / RTGS payment

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Documentation in progress

2.2. Outgoing direct debit

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Documentation in progress

2.3 Outgoing real-time payment

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Documentation in progress

3. Reporting

sequenceDiagram
participant Mambu Payments
participant Customer
participant Partner bank / central bank

Partner bank / central bank->>Partner bank / central bank: Generate camt.053 account statement
Partner bank / central bank<<->>Customer: Send / retrieve camt.053 account statement
Customer->>Mambu Payments:Send camt.053 account statement to SFTP / API
Mambu Payments->>Mambu Payments:Validate camt.053 account statement against XSD schema
Mambu Payments->>Mambu Payments:Parse camt.053 account statement
Mambu Payments->>Mambu Payments:Create balance
Mambu Payments->>Customer:Send webhook event
Mambu Payments->>Mambu Payments:Create transaction
Mambu Payments->>Customer:Send webhook event

Updated about 2 hours ago

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