Payment Instruction (Source Bank to Source IPS)
The Payment initiation request will follow the local standards of the Source and Destination IPS, respectively. Nexus will initiate the payment at the Destination IPS and will update the payment instruction with the new details (such as converted amount and account holder details).
Attribute | Type | Condition | Description |
Message ID | UUID | Mandatory | Unique ID of the message |
Creation DateTime | ISODateTime | Mandatory | Date and Time at which the message was created |
Total Interbank Settlement Amount | Amount | Mandatory | Amount to be settled (including all fees) in source currency |
Payment Type Information | Code | Optional | For now, only instant is supported |
Payment ID | UUID | Mandatory | Unique identification, as assigned by the first instructing agent, to unambiguously identify the payment that is passed on, unchanged, throughout the entire interbank chain. If provided in the pre-approval step, this needs to be the same as the payment id in the pre-approval request, to allow for correlation. |
Clearing System Reference | String | Mandatory | Indicates Nexus (and as such, the notion this is a cross-border payment) as clearing channel |
Charge Bearer | String | Mandatory | Specifies which party/parties will bear the charges associated with the processing of the payment. |
Instruction for Creditor Agent | UUID | Mandatory | To be filled in with QuoteId |
Destination Bank Identifier | String | Mandatory | Filled in as Ultimate Creditor Agent (or similar according to local guidelines) |
Destination Bank Account Number | String | Mandatory | Filled in as Ultimate Creditor (or similar according to local guidelines) |
Destination Bank Account Holder Name | String | Mandatory | |
Destination Bank Account Holder Address | String | Conditional | |
Destination Bank Account Holder Date of Birth | String | Conditional | |
Destination Bank Account Holder Place of Birth | String | Conditional | |
Destination Bank Account Holder National ID | String | Conditional | |
Source Bank Account Number | String | Mandatory | Filled in as Debtor (or similar according to local guidelines) |
Source Bank ID | String | Mandatory | Filled in as Debtor Agent (or similar according to local guidelines) |
Source Bank Account Holder Name | String | Mandatory | |
Source Bank Account Holder Address | String | Conditional | |
Source Bank Account Holder Date and Place of Birth | String | Conditional | |
Source Bank Account Holder National ID | String | Conditional | |
Source Liquidity Provider | String | Mandatory | Filled in as Creditor (or similar according to local guidelines) |
Remittance Information | String | Optional | |
The response will be filled in according to the local standards, as configured by the IPS, but the following fields will be reported by Nexus to the Source Bank:
Attribute | Type | Condition | Description |
Message ID | UUID | Mandatory | Unique ID of the message |
Payment ID | UUID | Mandatory | Reference back to the payment id of the original request |
Status | String | Mandatory | Status of the payment |
Status Reason Information | String | Mandatory | Specifies the reason for the status report. |
The following ISO 20022 Codes may be used for the Status reason Information:
ISO Code | ISO Name | Reason |
AB05 | TimeoutCreditorAgent | Payment stopped due to timeout at the Creditor Agent. |
AB06 | TimeoutInstructedAgent | Payment stopped due to timeout at the Instructed Agent. |
AB07 | OfflineAgent | Agent of message is not online. |
AB08 | OfflineCreditorAgent | Creditor Agent is not online. |
AB09 | ErrorCreditorAgent | Payment stopped due to error at the Creditor Agent. |
AB10 | ErrorInstructedAgent | Payment stopped due to error at the Instructed Agent. |
AC01 | IncorrectAccountNumber | Account identifier incorrect (ie invalid IBAN) |
AC04 | ClosedAccountNumber | Account Closed |
AC06 | BlockedAccount | Account Blocked |
AG01 | TransactionForbidden | Credit Transfer Forbidden for this type of account |
AG02 | InvalidBankOperationCode | Payment Code invalid |
AG09 | PaymentNotReceived | Original Payment never received (in case of recall) |
AG10 | AgentSuspended | Agent is suspended |
AG11 | CreditorAgentSuspended | Creditor Agent is suspended |
AM02 | NotAllowedAmount | Amount exceeds maximum allowed value |
AM05 | Duplication | Duplicate payment |
AM23 | AmountExceedsSettlementLimit | Amount exceeds allowed limit |
BE04 | MissingCreditorAddress | Account address missing or invalid |
MD07 | EndCustomerDeceased | Beneficiary deceased |
MS02 | NotSpecifiedReasonCustomer Generated | By order of the Beneficiary |
MS03 | | Reason not specified |
RC01 | BankIdentifierIncorrect | PSP identifier incorrect (ie invalid BIC) |
RR01 | MissingDebtorAccountOrIdentification | Regulatory Reason |
RR02 | MissingDebtorsNameOrAddress | Regulatory Reason |
RR03 | MissingCreditorsNameOrAddress | Regulatory Reason |
RR04 | RegulatoryReason | Regulatory Reason |
DNOR | Debtor bank is not registered | Originator PSP is not registered under this BIC in the CSM |
CNOR | Creditor bank is not registered | |
TM01 | InvalidCutOffTime | Time-out – maximum execution time has been exceeded |
The payment recall request will follow the IPS’s domestic format. The Nexus Gateway will internally use the camt.056 format.
The investigation messages will follow the IPS’s domestic format. The Nexus Gateway will internally use the camt.028 format.