During initial validation, system checks if the incoming N02 message is for Return of outgoing payment or Normal Incoming payment.

If the field (:2006) ‘Related Reference number’ has any value, then the N02 message is identified as Return of outgoing payment. For more details on Return, refer to Return of payments section.

If the field (:2006) ‘Related Reference number’ does not have any value and only the field (:2020) ‘Transaction reference number’ has value, it is processed as incoming payment.