Inbound Payments follows the listed processing steps:

• Initial Validations
• Debit Agreement Validation
• Duplicate Check
• Sanctions Check
• FX Processing
• Pricing
• ECA Check
• Accounting; Notification XML & IR XML generation
• Sending Accept Response (or reject response in case of exceptions)

Initial Validations

System performs the below validations similar to the Outbound Payments:

• Account/Bank re-direction 'Account re-direction is done for the credit account
• Mandatory field checks/ Referential data checks

Any failure during validation in Inbound Debit processing results in sending the Reject
response to the Creditor Bank.

Debit Agreement Validations

The following validations related to Debit Agreements are done before further processing the
Inward Request for Debit.

System validates the Debit Agreement validation if the same is enabled for Network in Network preferences for the Inbound transaction for the payment method. The system fetches the customer agreement maintenance for the Debit Account, Transfer Currency and Agreement Number received in the Debit Request. The records maintained for the specific Agreement Number are fetched on priority. If no record is maintained for specific Agreement Number, the record maintained with Agreement Number 'ALL' is considered. If no Agreement is found the Debit transaction is moved to Business override Queue. The following error message is displayed for the record:

Error Code	Error Code Description
PE_DI_01	Debit Agreement is not maintained for the Account/Currency

After fetching the record, system matches of the transaction details received with the Agreement maintained. The validation is done if the filed details is maintained in the Debit Agreement.

• Creditor Account Number
• Credit Name
• Creditor Bank Account
• Business Type
• Business Category Type

If the field value is not maintained in the Debit Agreement, the validation is skipped. If the field matching fails, the Debit transaction is moved to Business Override Queue following Error code is:

Error Code	Error Code Description
PE_DA_01	$1 field value is not matched with Debit Agreement maintained

If the Debit Agreement validation is successful, the system proceeds with Duplicate Check, Sanctions Screening, FX processing, Pricing External Credit Approval & Accounting.

The following accounting entries are passed Debiting the Customer Account: