OpenFinancePayment Explorerv0.2.0·#85

⌘K

Payments

Home A2A Overlay Card Overlay Card payment Digital Wallet Instant A2A scheme PISP A2A SEPA Credit Transfer (SCT)SEPA Direct Debit (SDD)SEPA Instant (SCT Inst)SWIFT / CBPR+Swiss Credit Transfer (SIC / SIC IP)

Infrastructure

A2A overlay platformScheme operators (e.g. EPI / Wero)euroSICSIX RT1EBA Clearing SICSIX STEP2EBA Clearing TIPSEurosystem

Tools

About Compare pacs.008 Debug quiz Glossary Interop map Live showcase Try editor

Flows

Account information

Account access with redirect SCA

Clearing & settlement

Clearing leg: initiation to settlement euroSIC EUR clearing leg Instant Payment (IP) flow via Payment Hub & ILM Non-Instant Payment (Standard Batch) flow via Payment Hub & ILM SIC CHF customer credit (Regular Payment)SIC Instant Payment (SIC IP)TARGET2 / T2 regular credit transfer Verification of Payee

Exception handling

Payment cancellation before settlement Recall: camt.056 to pacs.004 Rejection: reading a pacs.002 RJCT SCT Inst recall after settlement SCT Inst reject inside the window SCT Inst timeout & investigation SIC IP timeout and enquiry

Funds confirmation

Funds confirmation (PIIS)

Payment initiation

SCT Inst happy path (≤10s)SCT Inst with Verification of Payee SEPA credit transfer with decoupled SCA STET payment request and confirmation UK domestic payment with detached JWS

Payment schemes

A2A overlay payment (Wero sample)

API standards

A2A overlay (Wero / EPI)Pan-European Czech Open Banking StandardCzech Republic NextGenPSD2 XS2A FrameworkPan-European Open Banking Read/Write APIUnited Kingdom PolishAPIPoland SEPA Instant Credit Transfer (SCT Inst)SEPA / EEA STET PSD2 APIFrance, Belgium Swiss Payment Standards / SICSwitzerland

ISO 20022

acmt

acmt.023IdentificationVerificationRequestV04 acmt.024IdentificationVerificationReportV04

camt

camt.026UnableToApplyV10 camt.029ResolutionOfInvestigationV09 camt.052BankToCustomerAccountReportV08 camt.053BankToCustomerStatementV08 camt.054BankToCustomerDebitCreditNotificationV08 camt.055CustomerPaymentCancellationRequestV08 camt.056FIToFIPaymentCancellationRequestV08 camt.087RequestToModifyPaymentV09

pacs

pacs.002FIToFIPaymentStatusReportV10 pacs.004PaymentReturnV09 pacs.008FIToFICustomerCreditTransferV08 pacs.009FinancialInstitutionCreditTransferV09 pacs.028FIToFIPaymentStatusRequestV04

pain

pain.001CustomerCreditTransferInitiationV09 pain.002CustomerPaymentStatusReportV10 pain.008CustomerDirectDebitInitiationV08 pain.013CreditorPaymentActivationRequestV09 pain.014CreditorPaymentActivationRequestStatusReportV09

Pocket

Receive money from a friend

You are Marie: push, credit, statement — from the beneficiary side.

Happy
Alex sent you €25 (instant)
Beneficiary view: push → credit in seconds.
Happy
Alex sent you €25 (next day)
Pending overnight, then camt.054.
Happy
Alex paid you via Wero
Payee COMPLETED on the overlay.
Recall
Incoming recall from Alex
Alex asked to take the money back.

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