‘External Credit Approval Required’ flag at the External Customer Account Input (STDCRACC) maintenance is referred for the debit account.

If the flag is set as Yes, then the ‘External Credit Approval System’ is picked up from the account maintenance.

An EAC request XML is prepared that includes the details like a debit account, amount to be debited, and charge components with charge amount to be debited.

A record is logged in to the ECA Queue. The request is in ECA Queue with status as ‘Pending’ till the final response (Accept / Reject / Seizure) is received.

If the debit account type is Vostro or If the transaction is a Reverse Message transaction and if the debit account level 'ECA Check Required' flag is checked, then ECA request is generated and sent out to the ECA system.

The ECA request reference / ECA status values at transaction level gets updated with the ECA queue reference and the latest status of the ECA check.

After receiving the response from the ECA system, the transaction gets processed further based on the response.