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
Documentation in progress
1.3. Incoming real-time payment
Documentation in progress
2. Outgoing payments
2.1. Outgoing transfer / RTGS payment
Documentation in progress
2.2. Outgoing direct debit
Documentation in progress
2.3 Outgoing real-time payment
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 6 hours ago
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