8.2.2 Negative Payment Status Report

This topic explains the details of negative payment status report. This report displays the payment transactions that have encountered issues during processing.

Below processing changes are applicable only if Negative Payment Status Report (pacs.002) messages is received:
  • FX Rate Fetch: System picks the exchange rate applied on the original pacs.008/pacs.009 message and apply the same exchange rate for calculating the customer credit amount.
  • External Customer Account Check: The External Credit Approval System is picked up from the External Customer Account (STDCRACC). An EAC request XML is prepared which includes the details like a debit account, amount to be debited and charge components along with charge amount to be debited is included in the request.

    A record is logged in to the EAC Queue. The request is in EAC Queue with status as Pending till the final response (Accept or Reject or Seizure) is received. The Carry Forward user action is not allowed on the message in EAC queue.
    On cancelling the transaction from EAC queue, accounting entry is posted for parking the funds in Return GL. The Return GL maintained in the Generic Wires Outbound Network Preference (PSDOGWNP) screen from the R-Transaction Preference tab is referred.

    Note:

    EAC request is sent with Inbound Payment Status Report (pacs.002) message Transaction Reference Number.
  • Accounting: Accounting Handoff is prepared and sent to accounting system. A record is logged into the Accounting Queue (PQSACCQU) reflecting the status of the handoff.

    Note:

    Accounting entries are posted with Inbound Payment Status Report (pacs.002) message Transaction Reference Number.
  • Transaction Status Update: Transaction Status for the original transaction is updated as Rejected. The Payment Status Report (pacs.002) message status is updated as Processed upon successful processing. The transaction status on the payment status report and parent transactions are displayed as below:

    Table 8-9 Transaction Status

    Scenario Payment Status Report (that is, pacs.002) Transaction status Payment Status Report (that is, pacs.002) Match status Parent (that is, pacs.008/pacs.009) Transaction Status
    Positive or Negative Payment Status Report received and Not Matched In Progress Unmatched Processed
    Positive or Negative Payment Status Report received and Matched In Progress Matched Processed
    Positive or Negative Payment Status Report is pending in Queue Exception Matched Processed
    Positive or Negative Payment Status Report Seized by SC Seized Matched Processed
    Positive or Negative Payment Status Report rejected by SC Cancelled Matched Processed
    Negative Payment Status Report rejected by EAC Cancelled Matched Processed
    Positive Payment Status Report successfully completed Processed Matched Processed
    Negative Payment Status Report successfully completed Processed Matched Rejected
    Payment Status Report received and Not Matched Blank Unmatched Processed
    Payment Status Report received and Matched Blank Matched Processed
  • Message Generation: The Outbound Payment Return (pacs.004) or Payment Status Report (pacs.002) message generation populates the captured reason code in the outbound message generated:
    • The system checks the Reject Reason code maintained against the Error Code in the Generic Wires ISO Reason Code mapping (PSDRJTRM) maintenance and populate the same in the reason code field of the outbound message generated.
    • If Reject Reason code is not maintained against the Error Code in the Generic Wires ISO Reason Code mapping (PSDRJTRM) maintenance, then the system checks the Default Reject Reason code maintained and populate the same in the reason code field of the outbound message generated.
    • If Reject Reason code maintenance is not present in the Generic Wires ISO Reason Code mapping (PSDRJTRM) maintenance, then Default Reject or Return Reason code MS03 with Reason Description as Reason has not been specified by agent is populated in the reason code field of the outbound message generated.
  • Foreign Exchange Rate Fetch
    Foreign Exchange Rate Fetch is a process that allows the system picks the exchange rate applied on the original pacs.008/pacs.009 message and apply the same exchange rate for calculating the Customer credit amount.
  • External Customer Account Check
  • Accounting Handoff
    Accounting Handoff is prepared and sent to Accounting system. A record is logged into the Accounting Queue (PQSACCQU) reflecting the status of the handoff.
  • Transaction Status Update
    This topic explains the details of updating the transaction status.
  • Message Generation
    This topic provides the details of the message generation for the negative payment status report.

Parent topic: Inbound Payment Status Report Processing