Overview

This page details how the feature works, and how you will be notified of the outcome of an attempted international payment to one of your customers.

Customer Journey

A sender's details can now be assessed in real-time as part of the domestic leg of an international NPP payment. The sender of the funds will need to provide their full name and date of birth. We will use this data to assess if their details match known entities on sanctions watchlists and the outcome of the assessment will determine if the payment is accepted or automatically returned to the sender.

Customer Journey Sequence

The sender provides their name and date of birth as part of the payment instruction.
Shaype receives the payment instruction data and extracts the sender's data.
Shaype sends the sender's data for assessment in real-time.
1. If the sender's data matches the details of a sanctioned individual, the payment is rejected and returned to the sender.
2. If the sender's data does not match sanctions databases then the payment would be credited to the customer's account as per normal domestic NPP processing.

Notifications

As part of this feature, Shaype is extending its transaction notification webhooks to clarify the processing outcomes for international payments.

3 new values will appear in the outcome field in our notification webhooks.

Outcome	Context
REFUSED_UNABLE_TO_VALIDATE	This outcome reflects that Shaype did not complete a sanctions assessment for this customer but that the appropriate data for the sender was present in the request.
REFUSED_SANCTIONS	This outcome reflects that the data for the sender was present and allowed Shaype to make a sanctions assessment but the sender did not pass this assessment and cannot send money to your customer.
REFUSED_INSUFFICIENT_DATA	This outcome reflects that the minimum data Shaype requires to assess the sender was not present in the request.

Example Payload:

{
  "customerHayId": "2180ad6f-5f77-4de3-acee-f906202eddc4",
  "idempotencyKey": "decd923f-c361-4ad8-a9d0-fec1d98cc789",
  "type": "TRANSACTION",
  "transactionEvent": {
    "transactionHayId": "b50910f4-d291-450a-b971-d9c15e8c7628",
    "accountHayId": "9d0974fa-e4d0-40a9-8c69-7cd2d6cf42af",
    "currencyAmount": {
      "currency": "AUD",
      "amount": 1.41
    },
    "updatedBalance": {
      "currency": "AUD",
      "amount": 8.35
    },
    "isPending": false,
    "counterpartName": "vladimir putin",
    "outcome": "REFUSED_SANCTIONS",
    "transactionTimeUtc": "2024-03-28T15:03:32.834690225Z",
    "isAtmTransaction": false,
    "transactionType": "INTERBANK_TRANSFER_IN",
    "accountBalances": {
      "totalBalance": {
        "currency": "AUD",
        "amount": 8.35
      },
      "heldBalance": {
        "currency": "AUD",
        "amount": 0
      },
      "lockedBalance": {
        "currency": "AUD",
        "amount": 0
      },
      "stacksBalance": {
        "currency": "AUD",
        "amount": 0
      },
      "availableBalance": {
        "currency": "AUD",
        "amount": 8.35
      }
    }
  }
}