Title PAYMENT_ElectronicPayments_FSD_Shared Public.docx ✅

Electronic Payments Functional Specification 11 November 2016 Version V.02.3

Electronic Payments Functional Specification 2016-11-11 V.02.3 Page 3 of Table of Contents DOCUMENT HISTORY 4 GLOSSARY 5 Acronyms 5 Terms 7 BPMN diagram Symbols 9 Start Event Variables 11 DOCUMENTS REFERENCED 12 PRE-AMBLE 13 EXECUTIVE SUMMARY 17 1.1. In Scope 18 2. SOLUTION OVERVIEW 20 2.1. Context Diagram 20 2.2. High-Level System Architecture Diagram 21 3. PARTICIPATING PAYMENTS AND SERVICES OVERVIEW 22 4. REQUIREMENTS LISTS 23 4.1. Functional Requirements List 23 4.2. Informational Requirements List 25 4.3. Non-Functional Requirements List 26 5. LIST OF NEW INTERFACES / DATA FLOWS 28 6. EFT TRANSACTIONS 29 EFT Principles and Business Rules 29 6.1. CDV routine 30 6.2. EFT Payments initiated by customers (non-batch entry, Consumer Pay Now) 32 6.3. Bulk Payment Instructions submitted by SME customers 36 6.4. Bulk Collection Instruction submitted by SME customer to FPH 40 6.5. EFT Disputes initiated by customer 44 6.6. EFT Recalls initiated by customer 47 6.7. EFT Credit transaction from other banks 49 6.8. EFT Debit transaction (Collection Instruction) received from other banks 52 6.9. Debit Unpaids/Homebacks from BankservAfrica 56 6.10. Credit Unpaids/Homebacks on from BankservAfrica 59 6.11. Recalls from other Banks 62 7. AVS-Batch Transactions 64 7.1. AVS transaction initiated by customer 64 7.2. AVS transactions from other banks 67
Electronic Payments Functional Specification 2016-11-11 V.02.3 Page 4 of 7.3. AVS transaction query 68 8. NAEDO/QED Transactions 71 NAEDO/QED Principles and Business Rules 71 8.1. NAEDO/QED Collection Request initiated by customer 72 8.2. NAEDO/QED Collection Request received from other banks 75 8.3. NAEDO/QED Collection Dispute received from other banks 78 8.4. NAEDO/QED Dispute received from Payer 80 8.5. NAEDO/QED Recall instruction from customer 83 8.6. NAEDO/QED Recall instruction received from BankservAfrica 86 9. SHARED PROCESSES 89 9.1. SOD Preparation Extracts 89 9.2. Bank SOD (Early Window processing) 91 9.3. BankservAfrica SOD processing 108 9.4. Credits Received Notice from Core Banking 116 9.5. Exceptions Management 120 9.6. Create item 122 9.7. Read item 123 9.8. Update item 124 9.9. Delete item 125 9.10. Settlement file received from BankservAfrica 126 9.11. AXS Transmissions to BankservAfrica (BankservAfrica Queue) 127 10. GENERAL PRINCIPLES (Further Discussions to define) 128 10.1. Accounting Principles 128 10.2. General System Principles 128 10.3. Tracking Principles 128 10.4. Web-service principles 129 10.5. Randomisation Principles 129 11. REPORTS 130 11.1. General Reports 130 11.2. EFT Reports 135 11.3. NAEDO/QED Reports 138 APPENDIX A – WEB-SERVICES 140 APPENDIX B – TRACKING DAYS 141 NAEDO Codes 141 APPENDIX C – TRANSACTION/SERVICE TYPES 141 EFT TYPES 141 NAEDO/QED TYPES 142