Host-To-Host DebiCheck

Overview

DebiCheck is a type of debit order that is confirmed by the customer with the bank, electronically and once off, before the creditor can process monthly debit orders.

The bank will therefore have a record of all DebiCheck mandates and will be able to verify the information before the debit order is processed to the debtor's account.

From the creditor's (Juristic) perspective, DebiCheck provides them with the ability to effect valid collections on client accounts with less chance of them returning as disputes.

Description

This service allows you to:

• Initiate a mandate request for the debtor to accept (authenticate) so that a collection to the debtor can be processed.
• Initiate an amendment to a registered mandate.
• Request the cancellation of an active mandate and/or a mandate awaiting activation and/or a mandate amendment that is in progress.
• Receive a mandate acceptance report that will inform you of the acceptance, rejection or expiry of the mandate registration request.
• Receive a mandate status report that will inform you of the outcome of the Bank validations.
• Process the collection of funds from the debtor's to the creditor's Bank account.

Important Update

Initial Status Report (ISR) Transaction Level Failure:

Certain transaction level failures can now be provided for upfront validations such as Check Digit Validation (CDV) validations in the Initial Response Report (ISR). If you opt-in for this functionality, the failed transactions will be reported in the ISR. If you do not opt-in for this functionality, the ISR remains the same and the failures will be reported in the Sponsoring Bank Status Report (SBSR) and Paying Bank Status Report (PBSR).

Future Dated Collections:

We have introduced warehousing where you can send transactions that are future dated. These transactions will be settled on action date as per the request.

New status for Collections:

Future Dated Collections - ACWP

Auto-bump on Collections:

Auto-bump has now been enabled for collections. Opting in for this feature means that your transactions will be auto bumped to the next processing business day should you miss cut-off.

New status for Collections:

Auto-bumped Collections - ACWC

View Transactions on OBE:

Transactions processed on our channel can now be seen on Online Banking Enterprise ™ under DebiCheck.

Message Statuses:

New status for Collections:

All messages with mixed statuses will carry a "PART" status. This refers to a situation where a certain number of transactions have been accepted, whereas another number of transactions have not yet achieved 'accepted' status.

New status and reason codes for Mandates:

For Paying Bank Status Report (PBSR) we have added a new pending status code and reason description

Status: PDNG Reason: Awaiting debtor's response or acceptance report

Overview

The client should already have been onboarded as a bank client, have FirstID and Online Banking Enterprise ™ credentials.

In order to use the DebiCheck ISO PAIN messages that the Bank as adopted you need to have the following in place:

• You need to be a registered collector
• You need to have an account that you can collect into
• Have an abbreviate name to collect

If you don't have these items in place, please contact your Relationship Manager to assist you in setting this up.

You can select to connect to this service using your own account or via a third-party.

Channel Features

If you don't have these items in place, please contact your Relationship Manager to assist you in setting this up. You can select to connect to this service using your own account or via a third-party.

Auto-bump

When transactions are submitted by clients who have Auto-bump enabled on their profile, the action date of the transactions (whether future-dated or current-dated) are checked using the auto-bump functions to ensure that the action date is a processing day (not a Sunday or public holiday). If the action date is not a processing date or transactions have been received after cut-off time , and auto-bump is enabled, the action date is updated to the next processing day.

It is important to note that Auto-bump is dependent on Product rules and transactions might be disputable when auto-bump is activated.

Warehousing

When future dated transactions are submitted, the transaction will be held in the Warehouse until their action date is reached. On Action date, the transaction will be processed.

With DebiCheck Collections you can enable Auto-bumping as well as Warehousing of the collection

Response Options

Negative responses to the message files sent will always be sent.

You can opt-in or opt-out of the following message responses:

There are a few ways in which you can get the API.

• Sponsoring Bank Status Report (SBSR), this response communicates the outcome of the Product or Industry validations
• Paying Bank Status Report (PBSR), this report communicates the results of validations by the paying Bank

Both of these reports are free and should be opted into to maximise the benefits of DebiCheck.

File naming conventions

Fintegrate ™ follows a generic file naming convention to make easier to identify and correlate request and response files however you also have the ability to configure your own naming that works better with your system convention on both request and response files.

Connect Direct

IBM Sterling Connect is optimized for high volume delivery of files It also provides script based automation, scheduling and alert notifications for 24x7 unattended operations.

In terms of setup, you will be required to issue us with your Connect Direct details for test and production environment if you are connecting on your own account.

MQ (Message Queue)

Messaging Queue IBM® MQ is robust messaging middleware that simplifies and accelerates the integration of diverse applications and business data across multiple platforms.

MQ is recommended for real time processing for maximum efficiency.

In terms of setup, you will be required to issue us with your MQ details for test and production environment if you are connecting on your own account.

SFTP

SFTP is a widely accepted protocol, and is recommended if you will be sending high volumes of transactions in one request.

In terms of setup, it is your organisation's responsibility to install the protocol on your Server / AS400 / Mainframe. In addition, you will be required to provide us with your SFTP details for test and production environment if you are connecting on your own account.

If you are connecting on your own account, your system is required to send and fetch responses from the Bank. Our channel does not send responses to or fetch requests from your environment.

Mandate Initiation Request

Mandate Initiation Message is based on the Bank's specific rules and usage guidelines derived from the base ISO20022 PAIN.009.001.03 message.

A Mandate Initiation Request is sent by a creditor so that the paying Bank may request that the debtor accepts (authenticates) the mandate initiation request sent by the creditor.

If accepted by the initiators counterparty, this Mandate Initiation Request together with the Mandate Acceptance Report, confirming the acceptance, will be considered as a valid mandate by all parties, instructing the debtor agent to accept instructions from the creditor, through the creditor's Bank, to debit the account of the debtor.

Mandate Acceptance Report

The Mandate Acceptance Report is based on the Bank's specific rules and usage guidelines derived from the base message ISO20022 PAIN.012.001.03.

The Mandate Acceptance Report sent or made available to you by Bank. It is mainly used to inform you of the acceptance, rejection or expiry of each mandate registration request.

The Mandate Acceptance Report provides the final state of a Mandate instruction file sent to the Bank.

Mandate Amendment Message

The Mandate Amendment Message is based on the Bank's specific rules and usage guidelines derived from the base ISO20022 PAIN.010.001.03 message.

A Mandate Amendment Request is sent to the sponsoring Bank, by the creditor, to request an amendment to a registered mandate.

Mandate Cancellation Message

The Mandate Cancellation Message is based on the Bank's specific rules and usage guidelines derived from the base ISO20022 PAIN.011.001.03 message.

Mandate Cancellation Request is sent by the creditor to the sponsoring Bank. The Mandate Cancellation Request message is used to request the cancellation of an active mandate, and/or a mandate awaiting activation, and/or a mandate amendment that is in progress.

Mandate Status Report

Mandate Status Report is based on the Bank's specific rules and usage guidelines derived from the base message ISO20022 PAIN.002.001.03.

The Mandate Status Report is sent or made available to you by the Bank. It is mainly used to inform you of the outcome of the Bank validation's, the status of a mandate instruction file sent to the bank and the status of each mandate in the file.

Financial Status Report Message

The Financial Status Report is based on the Banks's specific rules and usage guidelines derived from the base ISO20022 PAIN.002.001.03 message.

The Mandate Status Report sent or made available to you by the Bank. It is mainly used to inform you of the outcome of Bank validation's, the status of a payment instruction file sent to the Bank and the status of each payment transaction in the file.

Customer Direct Debit Initiation Message

The Customer Direct Debit Initiation Message is based on the Bank's specific rules and usage guidelines derived from the base ISO20022 PAIN.008.001.06 message.

The Customer Direct Debit Initiation Message sent by a creditor to the Bank to request movement of fund.