Receive an SCT IN

States diagram

stateDiagram
    [*] --> Rejected
    [*] --> Completed
    Rejected --> [*]
    Completed --> [*]

SCT IN sequence diagram

sequenceDiagram
Title: Receive an SCT IN
autoNumber
Actor External User
Participant External bank
Participant XPO
Participant Partner
Actor Xpollens User

External User ->> External bank : Initiate an SCT OUT
External bank ->> XPO : SEPA interbank area
XPO --) XPO : Does Account Exist
XPO --) XPO : Payment Decision System checks

alt Transaction accepted
rect rgb(0, 255, 0, 0.1)
    XPO --) XPO :Update Operation status "Completed"
    XPO -->> Partner : Callback SepaCreditTransferCreatedOrUpdated  <br/> {direction:credit / status:Completed }
end

else Transaction rejected <br> UnauthorizedAccountStatus/InsufficientFunds/AccountLimitsExceeded/ ...
    rect rgb(250, 195, 197)
        XPO --) XPO :Update Operation status "Rejected"
        XPO -->> Partner : Callback SepaCreditTransferCreatedOrUpdated  <br/> {direction:credit / status:Rejected }
    end
end
Partner --) Xpollens User: Notification

🔗Callback "SepaCreditTransferCreatedOrUpdated"

Display the debtor on your app

When a sepa credit transfer is received, a beneficiary is automatically created for the debtor who made the transfer.

This beneficiaryId is available in the webhook SepaCreditTransferCreatedOrUpdate and the GET .

{
    "sepaCreditTransferId": "93563866-20d2-4647-b33d-fb31135efafe",
    "accountId": "accountId",
    "initialSepaCreditTransferId": null,
    "direction": "Credit",
    "isRTransaction": false,
    "status": "Completed",
    "debtor": {
        "iban": "LT400037280290520076",
        "bic": "FYSOCZP1",
        "beneficiaryId": "beneficiaryId"
    },
    "creditor": {
        "iban": "FR76165XXXXXXXXXXx40801001",
        "bic": "SMOEFRP1",
        "beneficiaryId": null
    },
    "amount": {
        "value": "1500.00",
        "currency": "EUR"
    },
    "description": "SCT IN",
    "reference": "reference",
    "endToEndId": null,
    "sepaRejectCode": null,
    "sepaRejectReason": null,
    "creationDate": "2025-10-23T14:07:26.933Z",
    "expectedExecutionDate": "2025-10-23T09:30:00.000Z",
    "executedDate": "2025-10-23T14:07:27.130Z",
    "isCorrective": false,
    "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 SCT IN

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

Succeeded

sequenceDiagram
Title: Receive an Recall SCT IN
autoNumber
Actor External User
Participant External bank
Actor Xpollens/Production Bancaire
Participant XPO
Participant Partner
Actor Xpollens Enduser

External User -->> Xpollens Enduser: SCT
External User -->> External bank: recall request
External 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 origin operation exist ( Credit )
XPO --) XPO : Check origin operation is successed / Completed
XPO --) XPO :Created recall transaction ( Created / Debit )
XPO -->> External bank: OK
XPO -->> Partner : Callback SepaCreditTransferCreatedOrUpdated <br/> {status:Completed, isRTransaction:true, direction:debit}

👍

Account debited

Failed

sequenceDiagram
Title: Receive an Recall SCT IN
autoNumber
Actor External User
Participant External bank
Actor Xpollens/Production Bancaire
Participant XPO
Participant Partner
Actor Xpollens Enduser

External User -->> Xpollens Enduser: SCT
External User -->> External bank: recall request
External 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 -->> External bank : Refuse Recall

❗️

Account not debited

How to Test

Receive a SCT IN

POST /v1.1/users/{{appUserId}}/sct/in/registration

{
  "amountRequest": {
    "value": "20.00", // amount
    "currency": "EUR"
  },
  "executionDate": "2024-07-18T15:06:56.619276+02:00",
  "externalBankAccountModel": {
    "thirdPartyIban": "FR7616528000510000001751068",
    "thirdPartyBIC": "SMOEFRP1",
    "thirdPartyFullName": "John Doe"
  },
  "partnerOperationId": "310a8513-fa13-43cb-bb2b-2f7e49112315_20240719_1",
  "message": "Sending money through SCT",
  "motif": "Sending money with Xpollens"
}