Step 4: Source PSP processes the results

The Source PSP will now receive an acmt.024 response message from Nexus.

1. The Source PSP will check the acmt.024 to see if the proxy or account resolution has been successful.

   • If the proxy or account resolution has failed, the Source PSP will display the reason to the Sender, based on the Reason Code provided. (For example: “This proxy is not associated with any account.”)

2. If the proxy resolution is successful, the Source PSP must:

   1. Check if the display name is provided in the acmt.024 response message (in the Account > Name element):

      1. If a display name is provide, the Source PSP should the display name to the Sender and ask them to confirm that this is the name they’re expecting to see (see Step 9 of the User Journey).

      2. If no display name is provided, the app should show the Sender a warning to the effect of “We were unable to check the name of the account holder. Please double-check the account details are correct before sending the payment.” The Sender may proceed with the payment at their own discretion.

If no real name was provided in Party > Name, the Source PSP does not have sufficient information about the Recipient to complete the necessary compliance and sanctions screening checks.

In this case, the Source PSP must ask the Sender to provide this information. (This is the least preferred outcome as it relies on potentially inaccurate information from the Sender, rather than verified information from the Destination PSP or Proxy Directory.)