Payment scheme

The payment scheme that transactions participate in is used to clearly identify, sort, filter, and otherwise manage the transactions. You can define a different payment scheme for inbound and outbound transactions.

Payment schemes define whether Saturdays and Sundays are considered as work days or not. A payment scheme can also have holidays that are unique to it. You can configure holidays that apply globally or you can associate them with specific payment schemes.

Inbound payment schemes are defined by associating a payment scheme with an inbound transmission type. Outbound payment schemes are defined by associating a payment scheme with an outbound transmission definition.

Business day calculation

The payment scheme that is assigned affects how the previous or the next business day is determined. By using the payment scheme during the business day calculation, the way that the payment scheme handles Saturday and Sunday, such as whether they are work days or not, can be considered. Also, the calculation can accommodate for any potential payment-scheme-specific holidays.

Dynamic action menus by payment scheme

The menu actions that are available on some pages are created dynamically and are based on the inbound and outbound payment scheme IDs of the records that you selected.

If the inbound and outbound payment schemes are different from each other, the actions for both schemes are available and are displayed in alphabetical order. If the records that you selected have multiple inbound or multiple outbound schemes, only the Add comment, Reset flags, and View as spreadsheet actions are available as defaults. When no records are selected, only the View as spreadsheet action is available.

The actions and their associated payment schemes are shown in the following table.

Table 1. Actions and the payment schemes that are associated with them
Action Associated payment schemes
Accept
  • The Clearing House RTP (TCH RTP)
Accept and Return
  • The Clearing House RTP (TCH RTP)
Add Comment This action is available by default and for the following payment schemes.
  • Check
  • Fedwire
  • Payments Canada automated funds transfer (AFT)
  • Posting file
  • SWIFT
  • The Clearing House RTP (TCH RTP)
Cancel
  • Check
  • Payments Canada automated funds transfer (AFT)
Expire Request
  • The Clearing House RTP (TCH RTP)
Reject
  • The Clearing House RTP (TCH RTP)
Request Information
  • The Clearing House RTP (TCH RTP)
Request Return of Funds
  • The Clearing House RTP (TCH RTP)
Reset Flags This action is available by default and for the following payment schemes.
  • Check
  • Fedwire
  • Payments Canada automated funds transfer (AFT)
  • Posting file
  • SWIFT
  • The Clearing House RTP (TCH RTP)
Reset Flags - Disputed
Return
  • Payments Canada automated funds transfer (AFT)
  • The Clearing House RTP (TCH RTP)
Send Information
  • The Clearing House RTP (TCH RTP)
View as Spreadsheet This action is available by default and for the following payment schemes.
  • Check
  • Fedwire
  • Payments Canada automated funds transfer (AFT)
  • Posting file
  • SWIFT
  • The Clearing House RTP (TCH RTP)