Receive an IP IN

Sequence diagram

👍

Xpollens is eligible to instant payment. Once a payer sends an IP, it is received in seconds on the Xpollens account.

sequenceDiagram
Title: Receive an IP IN
autoNumber
Actor External User
Participant Counter part Bank
Participant XPO
Participant Partner
Actor Xpollens User
External User ->> Counter part Bank : Initiate an IP OUT
Counter part Bank->> External User  : Retour OK
Counter part Bank ->> XPO : IP for Xpollens
Note over XPO, Counter part Bank: Checks between XPO and BPCE PS <br/> Need to answer in less than 8 secondes
XPO --) XPO : Create Transaction / Created/type Credit )
XPO --) XPO : Check Payment allowed ammount
XPO --) XPO : Update Transaction ( Authorized / Approved ) 
XPO --) Counter part Bank: IP validation (AccountingEvent / AEC02)
XPO -->> Partner : Callback InstantPaymentCreatedOrUpdated  <br/> {status:Completed / direction:credit}
Partner --) Xpollens User: Notification

🔗Callback "InstantPaymentCreatedOrUpdated"

Display the debtor on your app

When an instant payment is received, a beneficiary is automatically created for the debtor who made the transfer.

This beneficiaryId is available in the webhook InstantPaymentCreatedOrUpdated and the GET instant-payment.

{
    "sepaInstantPaymentId": "OzEu3O1RnkGeqc3UEo2vjQ",
    "accountId": "accountId",
    "amount": {
        "value": "10.00",
        "currency": "EUR"
    },
    "direction": "Credit",
    "isRTransaction": false,
    "status": "Completed",
    "description": "Ip-in_test-01",
    "reference": "Ip-in_test-01",
    "endToEndId": "20252023_1",
    "debtor": {
        "iban": "FR7616528001810000000031054",
        "bic": "REVOFRP2XXX",
        "beneficiaryId": "beneficiaryId"
    },
    "creditor": {
        "iban": "FR7616528001310000019281066",
        "bic": "SMOEFRP1"
    },
    "creationDate": "2025-10-23T13:25:07.257Z",
    "verificationOfPayee": null
}

Thanks to this ID, you can retrieve information about the debtor.

{
    "id": 1202614,
    "beneficiaryId": "beneficiaryId",
    "displayName": "Max verstappen",
    "bic": "REVOFRP2XXX",
    "iban": "FR7616528001810000000031054",
    "creationDate": "2025-10-23T13:25:07.383Z",
    "modificationDate": "2025-10-23T13:25:07.383Z"
}

Recall IP IN

Recall request from an external bank processed by our banking production department

Succeeded

sequenceDiagram
Title: Receive an Recall IP IN
autoNumber
Actor External User
Participant Counter part Bank
Actor Xpollens/Production Bancaire
Participant XPO
Participant Partner
Actor Xpollens Enduser

External User -->> Xpollens Enduser: Instant Payment
External User -->> Counter part Bank: recall request
Counter part Bank  ->> Xpollens/Production Bancaire : Recall Approved Request
Xpollens/Production Bancaire ->> Xpollens/Production Bancaire : Reception of Recall
Note over Xpollens/Production Bancaire, XPO: 10 days to answer
Xpollens/Production Bancaire ->> XPO  : Validate Recall

XPO --) XPO : Check initial operation exist ( Credit )
XPO --) XPO : Check initial operation is successed / Completed
XPO --) XPO :Created recall transaction ( Created / Debit )
XPO -->> Counter part Bank: OK
XPO -->> Partner : Callback InstantPaymentCreatedOrUpdated  <br/> {status:Completed, isRTransaction:true, direction:debit}

❗️

Account debited

Failed

sequenceDiagram
Title: Receive an Recall IP IN
autoNumber
Actor External User
Participant Counter part Bank
Actor Xpollens/Production Bancaire
Participant XPO
Participant Partner
Actor Xpollens Enduser

External User -->> Xpollens Enduser: Instant Payment
External User -->> Counter part Bank: recall request
Counter part Bank  ->> Xpollens/Production Bancaire : Recall Approved Request
Xpollens/Production Bancaire -->> Xpollens/Production Bancaire : Reception of Recall
Note over Xpollens/Production Bancaire, XPO: 10 days to answer
Xpollens/Production Bancaire -->> Counter part Bank  : Refuse Recall

❗️

Account not debited

IP IN

Simulator to come, to create cases ask your Customer Integration Manager.