This module will not be further enhanced. Support is limited to defect fixing only.

Introduction to Customer Payment Initiations

The Customer Payment Initiations functionality covers two aspects of payment initiations, incoming native files (formats ABBL,CSV,VIR2000,PAIN.001,PAIN.008) and card files from SIX through SOFIE. Includes ISANOTE payment status report through MultiLine portals.

This guide describes the financial and non-financial files received from a third party service provider SIX and how they are processed in Temenos Transact.

In case of financial files, the cardholder’s accounts are debited for the settlement amount and the nostro account is credited. The functionality allows you to handle reversal transactions that are identified through specific indicator at the header of a batch.

In case of non-financial files, relevant card details are created or updated in the core CARD.ISSUE application.

MultiLine Payments

In the EURO zone, the payments system usually receives a credit transfer initiation based on Pain.001 standard format. The Pain.001 stands for payments initiation and is used for initiating credit transfer messages. The Pain.002 is a payment status report, which transports credit transfer return instructions between banks and remitting customers.

TPH receives PAIN.001 messages and routes them to the multiline channel created. TPH validates the received messages and process the payment. TPH is enhanced to have capability to generate payment status report in the form of ISANOTE.

Unsupported File Format

Payment initiations are communicated through different channels, media and file formats. The enhancement in TPH enables the processing of incoming payment files in certain native formats.