Channel interface

The channel interface implements the integration points for the systems that host the customer facing channels of the bank.

These channels allow customers to send payments, send other related messages, receive status, and notification messages. The channel interface supports the following operations:

Table 1. Channels interface
Category Operation Direction Description Message
Payment Immediate Payment Instruction In Payment initiation message that is triggered by the customer of the bank (debtor) sending money to the creditor. pacs.008
Payment Status Out Notification to the customer of the bank (debtor) of the final status of the payment that they initiated. pacs.002
Credit Notification Out Notification to the customer of the bank (creditor) stating that the funds are credited to their account. ISF
Request for Information 1 Request for Information In Request message that is triggered by the customer of the bank requesting more information relating to a payment they have received. camt.026
Request for Information Acknowledgment Out Acknowledgment back to the customer channel indicating whether the Request for Information is delivered or not. pacs.002
Request for Information Notification Out Notification to a customer of the bank that the recipient of a previous payment from this customer is requesting more information. camt.026
Response to Request for Information In Response message that is triggered by the customer of the bank providing more information to a payment they sent earlier. Sent in response to a Request for Information camt.028
Response to Request for Information Acknowledgment Out Acknowledgment back to the customer channel indicating whether the Response to Request for Information has been delivered or not. pacs.002
Response to Request for Information Notification Out Notification to a customer of the bank that the Response to their previous Request for Information has been received. camt.028
Return of Funds1 Request for Return of Funds In Request message that is triggered by the customer of the bank requesting return of a payment that they previously made. camt.056
Request for Return of Funds Acknowledgment Out Acknowledgment back to the customer channel indicating whether the Request for Return of Funds has been delivered or not. pacs.002
Request for Return of Funds Notification Out Notification to a customer of the bank that the initiator of a previous payment received is requesting a return of funds. camt.056
Response to Request for Return of Funds In Response message that is triggered by the customer of the bank indicating their decision for the return of funds request. camt.029
Response to Request for Return of Funds Acknowledgment Out Acknowledgment back to the customer channel indicating whether the Response to Request for Return of Funds is delivered or not. pacs.002
Response to Request for Return of Funds Notification Out Notification to the customer of the bank of the decision about their previous Request for Return of Funds. camt.029
Payment Acknowledgment1 Payment Acknowledgment In Message sent by the customer to acknowledge receipt of the payment funds received in a previous payment. camt.035
Payment Acknowledgment Status Out Notification to the customer of the bank of the final status of the payment acknowledgment they sent. pacs.002
Payment Acknowledgment Notification Out Notification to the customer of the bank of the receipt of a payment acknowledgment that is related to a payment they sent. camt.035

1Not supported for all clearing and settlement mechanisms (CSMs). See the Functional flow sections.

The channel interface is implemented by using four logical FTM channels, each using an IBM® MQ transport by default.

FTM channel: Payment from channel

Queue name Operations
PAYMENT.FROM.CHANNEL2
  • Immediate Payment Instruction

FTM channel: Request from channel

Queue name Operations
REQUEST.FROM.CHANNEL2
  • Request for Information
  • Response to Request for Information
  • Request for Return of Funds
  • Response to Request for Return of Funds

FTM channel: Status to channel

Queue name Operations
STATUS.TO.CHANNEL2
  • Payment Status
  • Request for Information Acknowledgment
  • Response to Request for Information Acknowledgment
  • Request for Return of Funds Acknowledgment
  • Response to Request for Return of Funds Acknowledgment

FTM channel: Notification to channel

Queue name Operations
NOTIFICATION.TO.CHANNEL2
  • Credit Notification
  • Request for Information Notification
  • Response to Request for Information Notification
  • Request for Return of Funds Notification
  • Response to Request for Return of Funds Notification

2 By default, all IBM MQ names are prefixed with the placeholders ++FXRQPFX++ and ++FXRAPPPFX++.