Create a negative answer to a previous cancellation request with SEPA Instant Credit Transfer(camt.029)
This tutorial describes how you can request a cancellation of a previously sent SEPA Instant Credit Transfer (SCT Inst) via the PagoNxt Payments Hub API and accompanies the header information found in the Create and answer to a cancellation request message tutorial
For this tutorial, consider a scenario where a customer has sent a SEPA Instant payment, but realizes that it was incorrect, and wants to cancel it, hence the beneficiary bank receives a Payment Cancellation Request (camt.056). The payee decides not to return the requested payment, hence provides a negative answer (camt.029)
Sandbox
The instructions in this tutorial apply to the Sandbox environment
Negative answer to a previous Payment Cancellation Request
Request body
The request must include a JSON payload object in the request body. The JSON payload is a camt.029 ISO message with the rsltnOfInvstgtnroot element, and it contains the details for providing a negative answer.
The following table only provides information about some especially important fields. For details on all the required and optional message fields, see Message field definition for camt.029 .
Message field | Description |
|---|---|
| Assignment ID that uniquely identifies the investigation assignment. |
| Data structure containing the assigner details. For an Outgoing flow, this is the BIC of the Instructing Party. For an Incoming flow, it is the Iberpay BIC. |
| Data structure containing the assignee details. For an Outgoing flow, this is the Iberpay BIC. For an Incoming flow, it is the BIC of the Instructed Party. |
| Assignment creation date and time |
| Confirmation code that specifies the result of the investigation. The value must be RJCR = Requested cancellation has been rejected. |
| ID that uniquely identifies the cancellation request status, as assigned by the assigner. The ID can be used for reconciliation or to link tasks relating to the cancellation request. |
| Data structure containing group information from the original payment request |
| The instrId field from the pacs.008 message |
| The endToEndId field from the pacs.008 message |
| The txId field from the pacs.008 message |
| Transaction cancellation status. |
| The party originating the Resolution of Investigation (customer) |
| Reason for the cancellation status. The value is between 1 and 4 chars. The possible values are: · AC04 = Account number closed · AM04 = Insufficient funds in account · NOAS = No answer from beneficiary · NOOR = Original SCT Inst was never received · ARDT = SCT Inst has already been returned · CUST = Denial by customer beneficiary · LEGL = Denial for legal reasons |
| Array of further details on the cancellation status reason. The array has 1 to 13 ocurrencies of between 1 and 105 chars.
· A single mandatory occurrence (M) whose content begins with “ATR053/”, followed by the corresponding information. · Optionally, when the reason code of camt.029 equals LEGL, up to two occurrences are allowed to specify the reason. Their content must begin with “ATR057/”. · Additionally, when the reason code of camt.056 equals FRAD, up to ten additional occurrences are allowed. Their content must start with “FRAD/”, followed by all available information . For negative responses to RFROs, 1 to 11 occurrences are permitted: · A single mandatory occurrence (M) whose content begins with “ATR072/”, followed by the corresponding information. Optionally when the reason code of the camt.056. equals “AC03 IBAN incorrect”, up to ten additional occurrences are allowed. Their content must begin with “ATR078/”, followed by the available information. |
| Data structure containing the transaction reference used to identify the original transaction.
|
Example request body:
{
"RsltnOfInvstgtn": {
"Assgnmt": {
"Id": "STI029001092720250211133109208",
"Assgnr": {
"Agt": {
"FinInstnId": {
"BICFI": "IPAYESMMXXX"
}
}
},
"Assgne": {
"Agt": {
"FinInstnId": {
"BICFI": "OPENESMMXXX"
}
}
},
"CreDtTm": "2025-02-11T14:31:09"
},
"Sts": {
"Conf": "RJCR"
},
"CxlDtls": {
"TxInfAndSts": {
"CxlStsId": "8db39ae9-b6e7-3673-b36f-bf143108679",
"OrgnlGrpInf": {
"OrgnlMsgId": "STI00800108SBD-ESP25042DKBMDHDD",
"OrgnlMsgNmId": "pacs.008.001.08"
},
"OrgnlInstrId": "COREPI250420M8NWWGW8",
"OrgnlEndToEndId": "NOTPROVIDED",
"OrgnlTxId": "ESP25042DKBMDHDD",
"TxCxlSts": "RJCR",
"CxlStsRsnInf": {
"Orgtr": {
"Nm": "Robles Mitch Rodgers"
},
"Rsn": {
"Cd": "NOAS"
},
"AddtlInf": "ATR072/prueba"
},
"OrgnlTxRef": {
"IntrBkSttlmAmt": {
"@Ccy": "EUR",
"#text": "0.67"
},
"IntrBkSttlmDt": "2025-02-11",
"SttlmInf": {
"SttlmMtd": "CLRG",
"ClrSys": {
"Prtry": "LTR"
}
},
"PmtTpInf": {
"SvcLvl": {
"Cd": "SEPA"
},
"LclInstrm": {
"Cd": "INST"
}
},
"RmtInf": {
"Ustrd": "STCInst OUT"
},
"Dbtr": {
"Pty": {
"Nm": "Robles Mitch Rodgers",
"PstlAdr": {
"Ctry": "ES",
"AdrLine": "Poarisia,109,17175,GE,Sant Miquel d e "
}
}
},
"DbtrAcct": {
"Id": {
"IBAN": "ES9100730100542000017862"
}
},
"DbtrAgt": {
"FinInstnId": {
"BICFI": "OPENESMMXXX"
}
},
"CdtrAgt": {
"FinInstnId": {
"BICFI": "BSCHESMMXXX"
}
},
"Cdtr": {
"Pty": {
"Nm": "ESMERALDA"
}
},
"CdtrAcct": {
"Id": {
"IBAN": "ES0700490727282110219937"
}
}
}
}
}
}
}