Debit accounting entries pertaining to payment amount and charge/tax amounts are sent to external DDA system for credit approval.

External Credit Approval is done for all the external accounts for which ‘External Credit Approval Required’ flag is enabled. ECA system for the credit check is derived based on the External Account maintenance.

If the ECA response status for a payment transaction is 'Approved', then further processing continues. If ECA validation fails i.e. the status is 'Override', 'Rejected', or 'Timed out', then the transaction is logged in ECA Exception queue.