Instant Payment

Create a beneficiary

Before being able to perform an instant transfer, it is necessary to add the transfer recipient to one's list of beneficiaries.

The Create a beneficiary endpoint is used in order to create and associate an external beneficiary account in order to perfom a Sepa Out operation.

• The BIC (Bank Identifier Code) is optionnal to add a beneficiary.
• The IBAN (International Bank Account Number) is mandatory to create the beneficiary

The following sequence diagram shows the API workflow to add a beneficiary :

Important

When the add beneficiary feature is triggered by a manual action from an end user, it is mandatory to use the sca route to add a beneficiary as user authentication is required for security / compliance reasons.

::: note API reference
API : https://docs.xpollens.com/api/TransferBeneficiary#tag--Beneficiary
:::

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Initiate an IP OUT

State diagram

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IP OUT succeeded

POST /api/v3.0/sepa-instant-payments

Callback "InstantPaymentCreatedOrUpdated"

Succeeded during the post sepa-instant-payments Check Eligibility

Synchrone reponse

Succeeded during the process between Xpollens and BPCE PS

Asynchrone reponse

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IP OUT failed

Failed during the post sepa-instant-payments

Status HTTP	Error code	Reason	Definition
400	715	ERR_API_PARAMETER_INVALID	Non éligble à l'ip
404	147	ERR_USER_NOTFOUND	*
404	302	ERR_IBAN_NOT_FOUND	*
201			Created
500		XPOLLENS INTERNAL ERROR	*

Failed during the process between Xpollens and BPCE PS

Status	SepaRejectCode	sepaRejectReason
Rejected	500	Reason not communicated, please contact Xpollens
Rejected	AB05	Transaction stopped due to timeout at the creditor agent
Rejected	AB06	Transaction stopped due to timeout at the Instructed Agent
Rejected	AB07	Agent of message is not online. Generic usage if it cannot be determined who exactly is not online
Rejected	AB08	Creditor Agent is not online
Rejected	AB09	Transaction stopped due to error at the Creditor Agent
Rejected	AB10	Transaction stopped due to error at the Instructed Agent
Rejected	AC01	Account identifier invalid or incorrect (i.e. invalid IBAN or account number does not exist)
Rejected	AC04	Account closed
Rejected	AC06	Account blocked
Rejected	AG01	Credit transfer forbidden on this account
Rejected	AAM02	Not allowed amount
Rejected	AM04	Insufficient funds on the account
Rejected	AM05	Duplicate payment
Rejected	AM09	Wrong amount
Rejected	CNOR	Beneficiary bank is not registered under this BIC in the CSM
Rejected	FF01	Operation/transaction code
Rejected	FRAD	Fraudulent originated (instant) credit transfer
Rejected	ISSUE-DISPCHECK-TIMEOUT-RESPONSE	Timeout on PSP communication, please retry
Rejected	MS01	Reason not specified
Rejected	MS02	By order of the Beneficiary
Rejected	MS03	Reason not specified, please contact Xpollens
Rejected	RR02	Missing Debtor’s Name Or Address
Rejected	RR04	Regulatory Reason
Rejected	TM01	Time-out – maximum execution time has been exceeded

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Receive an IP IN

Xpollens is eligible to instant payment.

• Callback "InstantPaymentCreatedOrUpdated"

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Recall IP

Recall IP OUT

How the partner can do a recall > Zendesk ticket to Xpollens' banking production department

Succeeded

• Account credited
• Callback "InstantPaymentCreatedOrUpdated"

Failed

• Account not debited
• Callback "InstantPaymentCreatedOrUpdated"

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Recall IP IN

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

Succeeded

• Account debited
• Callback "InstantPaymentCreatedOrUpdated"

Failed

• Account not debited

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How to test

IP OUT

/!\ Only the ibans of unmocked environment pass the Luhn key checks and can be used.

POST /api/v2.0/users/{appUserId}/beneficiary

{
  "displayName": "Compte Xpollens 1",
  "iban": "FR7630001007941234567890185",
  "bic": "SMOEFRP1",
  "firstName": "John",
  "lastName": "Doe",
  "companyName": "Xpollens",
  "zipCode": "75001",
  "email": "john.doe@xpollens.com",
  "phoneNumber": "0123456789"
}

Response

{
[...]
"beneficiaryId": "YourBeneficiaryId",
[...]
}

POST /api/v3.0/sepa-instant-payments

{
  "sepaInstantPaymentId": "Ip-out-1",
  "accountId": "account-partner-reference",
  "creditor": {
    "beneficiaryId": "YourBeneficiaryId"
  },
  "amount": {
    "value": "5.00",
    "currency": "EUR"
  },
  "reference": "Reference-Ip-Out",
  "description": "Ip-Out-Description"
}

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IP IN

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

IP OUT

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

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FAQ

Coming soon