Payment Processing for Individual Transactions

The following processing steps are completed for each payment:

Payment validations resulting in Process Exception, Repair or Business Override

Since the status validations for customer/debit account are already done at batch level, this is not be repeated again while processing individual transactions for current dated batches. For book transfers, credit account status validations are done.

Sanction Check

User can process sanction seizure for an individual transaction. Credit accounting will be to seizure GL in such cases. Messaging is not be applicable.

Charge Calculation

If a charge account is provided in the payment request the same is used for debiting the charges. If not available in the request the charge claim account maintained in customer preferences PMDFLPRF is used as debit amount for charges. If no preference is available transaction debit account is the charge account as well.

No amount block is done for charge accounting. Charges are force posted.

EAC Check for Credit Accounts in Book Transfers

The individual payment processing completion updates status of payment as one of the following:

Success - All processing steps listed above are completed
Cancelled - Payment is cancelled from any of the exception queue
Seized - Sanction seizure applied to the payment
Pending - Payment is pending in an exception queue

Note:

For ACH CT transaction received in Bulk file, carry forward action from transaction exception queues are restricted, as date change is linked to the consolidate batch.

Parent topic: pain.001 Batch Processing