1. India IMPS Payments User Guide
  2. IMPS Outbound Payments
  3. IMPS Outbound Payments Processing
  4. Outbound IMPS Payment Processing
  5. Initial Validations

Initial Validations

The following processing are covered as part of initial validations:
  • Data enrichment - Account / Bank Re-direction, Network character replacement
  • Beneficiary ID Validation if registered for the IMPS network with corresponding Beneficiary Type
  • Mandatory fields validations
  • Network Limit validations
  • Account/Customer Validations based on core maintenance
  • Network Character replacement
  • If Account re-direction or bank re-direction is maintained, then the account / bank details are replaced by that values. Account re-direction is applicable for debtor account only.
  • Network character replacement is done for characters not allowed by the Network if the corresponding maintenance is available in the screen (PMDSPCHR).
  • Mandatory Fields / Referential data checks are done based on the details received in the payment request and the values populated by system. Validation is available to verify if the below fields are present in the request.
    • Host Code
    • Network Code
    • Transaction Branch
    • IMPS Transaction Type
    • Debtor Account (Validation is available to check only INR currency accounts allowed for IMPS)
    • IFSC Code
    • Beneficiary Account Number
    • Beneficiary Name
    • Transaction Currency
    • Transaction Amount
    • Instruction Date
    • Beneficiary bank IFSC Code is allowed for IMPS network (PMDBKMNT)
  • Future Value transactions are not allowed for IMPS.
  • Transaction amount limit check is done for the minimum and maximum amount limits defined for the Network, as maintained in IMPS Outbound Payment Preferences (PJDNWOPF).
  • In case of validation failure for any of the above, transaction is rejected with proper error code. Transaction is moved to Process Exception Queue.
  • Account Type Restrictions: System validates if the debtor account type is allowed for the Network Code as maintained in Account Type Restrictions screen (PJDACSTR) for the outbound payment. If the account type is not allowed for the network, system shows error message ‘This Account Type is not allowed for IMPS transfer.’ Transaction is moved to Process Exception Queue.
    • If the validation is successful, it is moved to the next step of outbound processor.
    • In cases where beneficiary account type is not input, system still processes the transaction as validation successful.
  • Customer /Account Status validations:
    • System validates whether account record is open and authorized.
  • System checks the Account Type Value present in the incoming channel requests for Debtor Account Type and Beneficiary Account Type.
  • If the user selects any value other than the LOV available for Debtor Account Type and Beneficiary Account Type, the system rejects the transaction.

Parent topic: Outbound IMPS Payment Processing