Introduction to Fednow Request For Payment

Fednow Request For Payment (RFP) module is enabled to receive and process an incoming RFP Request (pain.013) message from FedNow clearing and send out the receipt acknowledgement (admi.007) message for successful receipt of RFP (pain.013) message and respond with the following messages.

• RFP (pain.014) message with the status RCVD if the received RFP (pain.013) message file is accepted (file level acceptance) by the module successfully.
• RFP (pain.014) message with the status PRES if the received RFP (pain.013) message is viewed by the end customer via channel for the 1st time.
• RFP (pain.014) message with the status ACTC if the received RFP request is approved by the end customer or by the bank user ( on behalf of the end customer).
• RFP (pain.014) message with the status RJCT if the received RFP request is rejected by the end customer or by the bank user ( on behalf of the end customer).

RFP module is also enabled to receive and process an incoming RFP cancellation request (camt.055) message from FedNow clearing and send out the receipt acknowledgement (admi.007) message for successful receipt of RFP cancellation request (camt.055) message and automatically respond with the following messages, based on the status of underlying RFP order.

• RFP cancellation request response (camt.029) message with status code RJCR if the received RFP cancellation request is rejected by the system
• RFP cancellation request response (camt.029) message with status code "CNCL" if the received RFP cancellation request is accepted by the system.

RFP Request and RFP Request Response - RFP Receive Only

This functionality enables banks to receive and process an incoming RFP Request (pain.013) message from the FedNow clearing and send out the receipt acknowledgement (admi.007) message for a successful receipt of the RFP (pain.013) message and respond with the RFP (pain.014) message.

Banks are able to receive and process the receipt acknowledgement (admi.007) message if the sent RFP response message is validated at the FedNow clearing and payee bank, and handle the incoming message reject (admi.002) from the FedNow clearing due to a rejection of the sent RFP (pain.014) message. Also, banks are able to receive the payment status request (pacs.028) message and send out the receipt acknowledgement (admi.007) message for a successfully received pacs.028 message. TPH will send the latest sent RFP (pain.014) message as a response to the received (pacs.028) message based on the status of the RFP order.

New configurations, mappings and process flows have been released to support the FedNow RFP message processing.

RFP Cancellation Request and RFP Cancellation Request Response - RFP Cancellation Request Receive

This functionality allows banks to receive and process the incoming RFP cancellation request (camt.055) messages from FedNow clearing and send out the receipt acknowledgement (admi.007) messages for successful receipt of RFP cancellation request (camt.055) messages and automatically respond with RFP cancellation request response (camt.029) messages, based on the status of underlying RFP order.

Banks are able to receive and process the receipt acknowledgement (admi.007) message if the sent RFP cancellation request response (camt.029) message is validated at the FedNow clearing and Payee bank, and handle the incoming message reject (admi.002) from the FedNow clearing due to rejection of the sent RFP cancellation request response (camt.029) message. This functionality allows the payer bank to process the incoming RFP cancellation request (camt.055) message and send the admi.007 acknowledgement message for the received pain.013 message.

For all the sent RFP cancellation request response (camt.029) message, the debtor agent will receive the incoming receipt acknowledgement (admi.007) message from the FedNow clearing and Creditor agent.

New configurations, mappings and process flows have been released to support the FedNow RFP message processing.

RFP Information Request and Response

This functionality allows the debtor agent (payer bank) to generate the outgoing Information Request (camt.026) message for the received RFP request and receive a receipt acknowledgement (admi.007) message if the sent IR (camt.026) message is validated successfully and also handle the incoming Message Reject (admi.002) if the sent IR (camt.026) message got rejected at FedNow clearing. For the sent IR (camt.026) message the system will have the ability to receive and process the following response messages:

• Information Request Response (camt.029) message with the status code PDNG.
• Information Request Response (camt.029) message with the status code IPAY.
• Information Request Response (camt.029) message with the status code IDUP.
• Information Request Response (camt.029) message with the status code NINF.
• Information Request Response (camt.029) message with the status code INFO.
• Additional Payment Information (camt.028) message.

For all the received response messages, the debtor agent will send the receipt acknowledgement (admi.007) message to the FedNow clearing and Creditor agent (via FedNow clearing). Upon receiving Information Request Response with (camt.029) message with the code INFO, the module will be enabled to receive Addition Payment Information (camt.028) message.

Also, this functionality enables banks to amend the RFP order based on the received Additional Payment Information (camt.028) message.

RFP module is enabled to generate outward Information Request (camt.026) message to the FedNow clearing for the received RFP request (bank user can initiate an IR or IR can be initiated based on the received API response from the end customer channel).

This functionality enables the debtor agent (payer bank) to generate the outgoing Information Request (camt.026) message for the received RFP request.

Outward RFP Request and Response

The creditor agent (payer bank) is enabled to generate the outgoing RFP (pain.013) message either by the bank user or based on the received API request from end customer channel.

For the RFP (pain.013) message, the system will have the ability to receive and process the following response messages:

• RFP response pain.014 message with RCVD status as soon as the RFP sent has been successfully accepted in the payers system.
• RFP Response pain.014 message with ACTC status as soon as the RFP sent has been successfully accepted in the payers system.
• RFP Response pain.014 message with RJCT status as soon as the RFP sent is rejected by the payer.

The creditor bank is enabled to automatically initiate outward payment status request (pacs.028) message for the outward RFP (pain.013) message, if the system does not receive RFP response (pain.014) message within the set time in the scheme.