1. India Unified Payment Interface (UPI) User Guide
  2. India Unified Payments Interface - UPI
  3. UPI Pay Request – Beneficiary Bank – Request for Credit Processing
  4. ReqPay Credit – API 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
  • Account/Customer Validations based on core maintenance
  • If Account re-direction or bank re-direction is maintained, then the account / bank details are replaced by that values.
  • Network character replacement is done for characters not allowed by the Network.
  • Mandatory Fields / Referential data checks are done based on the details received in the payment request and the values populated by system.

In case of any validation failure, then the transaction is rejected with proper error code.

  • Account Type Restrictions: System validates if the creditor (Payee) account type is allowed for the Network Code as maintained in Account Type Restrictions screen (PJDACSTR) for the outbound payment. After the above step, If the creditor (Payee) account type is found to be ‘40’ i.e. NRE account type, then system will apply Non NRE to NRE payments Check validation.
  • Customer / Account Status validations: Customer/Account Status checks are not performed in OBPM. ECA / DDA system performs these checks.

Parent topic: ReqPay Credit – API Processing