Introduction to NPP Cuscal Instant Payments Interface, Address Resolution and PayTo

This module provides the Pay Id registration, address resolution service for Pay Id and payments interface to CUSCAL for NPP Instant Payments.

Click here to understand the terms and abbreviations used in this module.

Alias Resolution and Addressing Interface

New Payments Platform (NPP) allows banks to process the two types below of Osko payment options given below via online or mobile banking and also receive payments. It applies when the customer has NPP enabled for an account and both Financial Institutions (FI’s) involved in a payment are certified and registered for NPP.

• Using a Bank State Branch (BSB) and account number.
• Using a Pay Id created by an individual customer through the channel or created by a bank staff on behalf of a corporate customer, for example, mobile or email address (for individual customers), Australian Business Number (ABN) or Organisation Name for (corporate customers).

The following items have been created as part of this functionality:

• The AUNPPC.PARAMETER,INPUT version is used to configure various NPP parameters in Temenos Transact.
• The ST.PROXY.DIRECTORY,INPUT.AU version is used for Pay Id creation in Temenos Transact initiated through the channel.
• The ST.PROXY.DIRECTORY,REGISTER.PAYID.AU version is used for Pay Id creation within Temenos Transact.
• The ST.PROXY.DIRECTORY,STATUS.AMEND.AU version is used for Pay Id status change initiated through the channel.
• The ST.PROXY.DIRECTORY,PORT.PAYID.AU, ST.PROXY.DIRECTORY,DISABLE.PAYID.AU, ST.PROXY.DIRECTORY,ENABLE.PAYID.AU, and ST.PROXY.DIRECTORY,DEREGISTER.PAYID.AU versions are used for the Pay Id status changes within Temenos Transact.
• The ST.PROXY.DIRECTORY.RETRIEVE.AU enquiry is used for Pay Id retrieval so that an existing Pay Id can be amended.
• The ST.PROXY.DIRECTORY,ACCT.AMEND.AU version is used for alias name change request.
• The BENEFICIARY,INPUT.AU version is used to update the beneficiary details along with the Pay Id.
• The BENEFICIARY.RETRIEVE.AU enquiry is used to list all beneficiaries belonging to a customer.

NPP Pay Id Maintenance Version 2

This functionality, banks are able to register and update the details of registered aliases or pay Ids, check their availability, and search for them using alias or alias account Id. Additionally, banks have the ability to check the status of an alias and view the history of any deregistered aliases through the API call to Cuscal.

Also, this functionality allows banks to verify the payee's Pay Id before initiating a payment transaction, check the institution resolution and retrieve the accounts registered with Cuscal using APIs.

This functionality allows for the conversion of Cuscal's RAP, RAPR, RTFR and MAPR messages into neutral messages before they are pushed into the Payments system.

The following items have been created as part of this functionality:

• The ST.PROXY.DIRECTORY,UPDATE.PAYID.AU version has been released as part of this functionality to update the registered Pay Id. The records can only be updated when they are in Active status. Additionally, only the account Id and alias name can be modified in an update request.
• The AUNPPC.ALIAS.SEARCH enquiry has been introduced as part of this functionality to list the details retrieved from Cuscal for a specific alias value.
• The AUNPPC.ALIAS.ACCOUNT.SEARCH enquiry has been introduced as part of this functionality to retrieve from Cuscal, all the Pay Id identifiers attached to an account owned by the Account Servicer.
• The AUNPPC.ALIAS.DEREGISTER.HISTORY enquiry has been introduced as part of this functionality to invoke a deregister history request to Cuscal.
• The Availability, Services, Registration Date Time and Last Updated date time fields have been added to the AUNPPC.ADDRESS.RESOLUTION,VERIFY.PAYEE version as part of this functionality, to support the version 2 changes.
• The AUNPPC.NOFILE.GET.ACCOUNT.DETAILS enquiry has been introduced as part of this functionality to make a GET Account Maintenance API Call, to return the accounts registered and their availability status in the Cuscal system.
• The ST.PROXY.DIRECTORY,AUNPPC.API.INPUT.2.0.0 version, exposed as an API, has been introduced as part of this functionality to create a new registration record for Alias Management.
• The ST.PROXY.DIRECTORY,AUNPPC.API.AMEND.ALIASNAME.2.0.0 version, exposed as an API, has been introduced as part of this functionality to update the alias details of the registered Pay Id.
• The AUNPPC.API.PROXY.AU.RETRIEVE.2.0.0 enquiry, exposed as an API, has been introduced as part of this functionality to display all the proxy identifiers or, a particular proxy identifier by providing proxy value and proxy identifier.
• The AUNPPC.GET.PROXY.DEREGISTER.HISTORY.API.1.0.0 enquiry, exposed as an API, has been introduced as part of this functionality to display the list of all Pay Id deregistration transactions which occurred in the past 90 days on any proxy identifier.
• The AUNPPC.ALIAS.SEARCH.API.1.0.0 enquiry, exposed as an API, has been introduced as part of this functionality to display the account details and status, such as Active, Portable, Disabled or Deregistered for the given alias type and value from Cuscal.
• The AUNPPC.ALIAS.ACCOUNT.SEARCH.API.1.0.0 enquiry, exposed as an API, has been introduced as part of this functionality to display all the pay identifiers attached to an account owned by the account servicer from Cuscal.
• The ST.PROXY.DIRECTORY,AUNPPC.API.STATUS.AMEND.AU.2.0.0 version, exposed as an API, has been introduced as part of this functionality to update the status of the proxy identifier linked to an account.
• The AUNPPC.API.GET.ACCOUNT.DETAILS.1.0.0 enquiry, exposed as an API, has been introduced as part of this functionality to display the customer account details like scheme, issuer, debit and credit status.
• The AUNPPC.ADDRESS.RESOLUTION,NPP.API.VERIFY.PAYEE.2.0.0 version, exposed as an API, has been introduced as part of this functionality to create a new address resolution record.

Payments Interface

New Payments Platform (NPP) offers services like Pay Id management, address resolution and faster payments. NPP Payments Partner (CUSCAL) is one of the major service providers for NPP. CUSCAL clients, the indirect participants connect with NPP via the CUSCAL Application Programming Interface (API’s).

This functionality allows banks to interface with the API’s to support CUSCAL NPP requirements. A new interface layer has been created to support a wide range of services offered by NPP via CUSCAL.

The interface layer will handle the NPP payments messages. It supports the incoming and outgoing API payment messages between Temenos Transact and CUSCAL. The APIs are RESTful APIs which manage the synchronous request and response messages.

The following items are supported as part of the NPP Payments Interface functionality.

• Make a Payment: MAP initiated from the payment screen is an outgoing payment request from Temenos Transact to CUSCAL.
• Receive a Payment: RAP initiated from CUSCAL is an incoming settlement notification.
• RTRF Notification: Incoming request from CUSCAL to cancel the received payment.
• Make a Payment Returns: Outgoing API call from TPH for the RTRF transaction.
• Receive a Payment Returns: Incoming API call from CUSCAL to return the MAP payment.

NPP PayTo - Mandate and Interface

NPP (New Payments Platform) Australia has been working with the financial services industry to develop the PayTo service. PayTo will enable customers to authorise third parties to initiate payments from their bank accounts.

PayTo is a new way to pre-authorise payments from bank accounts, it’s a digital way for businesses and merchants to initiate real-time payments from their customer’s bank accounts. It provides customers with more visibility and control over their payment arrangements through an enhanced, digital customer experience.

A PayTo agreement (mandate) is a record of payment authorisation given by a debtor customer in favour of an NPP payment to a creditor account.

The following items have been introduced as part of this functionality:

• The Npp Allowed and Npp Payto Allowed fields have been added to the ACCOUNT property class to allow users to amend the customer’s account settings.
• The AUNPPC.API.AU.CUSTOMERID.RETRIEVE.1.0.0 enquiry has been created to provide the customer Id details for a pay Id or account number to the channels so that customers will be notified about agreements.
• New fields have been added to the AUNPPC.PARAMETER application to allow users to capture the NPP debit status and description related to the posting restriction.
• The NPP MAP JSON API, MAP JSON Response API and Payment Status enquiry for MAP have been upgraded to Version 2.