Credit Transfer Inbound

The CreditTransferInbound method enables to process the Inbound Transactions (CCT_IN)

Method: InboundServiceClient:CreditTransferInbound

Metadata

Name	Value
Credential	"Basic c3VwcG9ydCsxQG5ldHN5cy1pbmMuY29tOjM5ZDYxOGJkNTVmN5NWQxY2RlNDE5"
Signature	"{{signature}}"

Example

Payload Parameters

Parameter	Description
creditorAccount Mandatory	Object
accountNumber Mandatory	String Account number of the beneficiary Example – "123457890"
address Optional (Applicable only for FedNow)	Object
streetName Optional	String Street name of the sender address Example – "Lakeland Terrace"
buildingNo Optional	String Building number of the sender address Example – "1294"
postBox Optional	String Post box number of the sender address Example – "48185"
postalCode Optional	String Postal code of the sender address Example – "48185"
room Optional	String Room number of the sender address Example – "1055"
townName Optional	String Town name of the sender address Example – "Michigan"
countrySubDiv Optional	String Code of a subdivision which can be a state, province, or region Example – "WL"
country Optional	String Country code of the sender address Example – "US"
memberId Mandatory	String Routing numer of the beneficiary bank/financial institution Example – "101115315"
name Mandatory	String Name of the beneficiary Example – "John"
debtorAccount Mandatory	Object
accountNumber Mandatory	String Account number of the sender Example – "123457890"
address Optional (Applicable only for FedNow)	Object
streetName Optional	String Street name of the sender address Example – "Lakeland Terrace"
buildingNo Optional	String Building number of the sender address Example – "1294"
postBox Optional	String Post box number of the sender address Example – "48185"
postalCode Optional	String Postal code of the sender address Example – "48185"
room Optional	String Room number of the sender address Example – "1055"
townName Optional	String Town name of the sender address Example – "Michigan"
countrySubDiv Optional	String Code of a subdivision which can be a state, province, or region Example – "WL"
country Optional	String Country code of the sender address Example – "US"
memberId Mandatory	String Routing numer of the sender bank/financial institution Example – "987654321"
name Mandatory	String Name of the sender Example – "Steve"
endToEndId Mandatory	String ID that enables to trace the transaction at any time during the process Example – "EOTS"
instructedAmount Mandatory	Object
amount Mandatory	Number Amount of transaction Example – 20100
currency Mandatory	String Currency code in which the transaction happens Example – "USD"
instructingID Mandatory	String Payment reference ID of the transaction Example – "20231026990000001T1BTTST57395911389"
instrumentProp Mandatory (Applicable only for TCH)	String Proprietary code of Instant payment Example – "STANDARD"
msgID Mandatory	String Unique message identifier to identify the pacs.008 message Example – "M20231026990000001T1BTST57395911389"
processor Mandatory	String Payment channel through which the transaction happens Example – "TCH"
rawMessage Mandatory	String Raw response message encoded in Base64 Example – "Base64 encoded data for received xml message"
referenceNumber Mandatory	String Reference number of the transaction Example – "M202311099876665149078836456"
settlementDate Mandatory (Applicable only for FedNow)	String Date and time of the transaction was completed Example – "2024-04-01"
SenderType Mandatory (Applicable only for TCH)	String Type of customer Example – "CONSUMER"
transactionID Mandatory	String Unique ID generated for the transaction Example – "20231026101115315T1BTTST74395911389"
transactionType Mandatory	String Type of the transaction Example – "TCH_CCT_IN" or "FED_CCT_IN"
uuid Mandatory	String Unique ID present in the message Example – "ca974bcb-50f7-4791-b2c5-884303933ebc"

Request Body (Applicable for both FedNow and TCH)

{
  "creditorAccount": {
    "accountNumber": "123457890",
    "address": { //applicable only for FedNow
            "streetName": "Barnes Street",
            "buildingNo": "4518",
            "postBox": "328221111",
            "postalCode": "32822",
            "room": "5444",
            "townName": "Florida",
            "countrySubDiv": "OL",
            "country": "US"
        },
    "memberId": "101115315",
    "name": "John"
  },
  "debtorAccount": {
    "accountNumber": "123457890",
    "address": { //applicable only for FedNow
            "streetName": "Barnes Street",
            "buildingNo": "4518",
            "postBox": "328221111",
            "postalCode": "32822",
            "room": "5444",
            "townName": "Florida",
            "countrySubDiv": "OL",
            "country": "US"
        },
    "memberId": "987654321",
    "name": "Steve"
  },
  "endToEndID": "EOTS",
  "instructedAmount": {
    "amount": 20100,
    "currency": "USD"
  },
  "instructingID": "20231026990000001T1BTTST57395911389",
  "instrumentProp": "STANDARD", //applicable only for TCH
  "msgID": "M20231026990000001T1BTST57395911389",
  "processor": "TCH",
  "rawMessage": "Base64 encoded data for received xml message",
  "referenceNumber": "M20231026990000001T1BTST57395911389",
  "settlementDate": "2024-04-01", //applicable only for FedNow
  "senderType": "CONSUMER", //applicable only for TCH
  "transactionID": "20231026101115315T1BTTST74395911389",
  "transactionType": "TCH_CCT_IN",
  "uuid": "ca974bcb-50f7-4791-b2c5-884303933ebc"
}

Response

Response Parameters

Parameter	Description
referenceNumber	String Reference number of the transaction Example – "M20231026990000001T1BTST57395911389"
reason	String Reason code for rejection Example – "AC03"
status	String Status of the transaction Example – "ACTC" Possible values: "ACTC", "ACWP", "RJCT"
transactionType	String Type of the transaction Example – "TCH_CCT_IN" or "FED_CCT_IN"

Response Body (Applicable for both FedNow and TCH)

//Response for Status "Accepted"
{
    "referenceNumber": "M20231026990000001T1BTST57395911389",
    "status": "ACTC",
    "transactionType": "TCH_CCT_IN"
}
//Response for Status "Accepted with Pending"
{
  "referenceNumber": "202404010000000059MEWR6U78Oi3oPx",
  "status": "ACWP",
  "transactionType": "TCH_CCT_IN"
}
//Response for Status "Rejected"
{
    "reason": "AC03",
    "referenceNumber": "M20231026990000001T1BTST57395911389",
    "status": "RJCT",
    "transactionType": "TCH_CCT_IN"
}