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Process documentationActive Recall of SEPA Credit Transfers Locate this document in the navigation structure

 

The active recall of SEPA credit transfers (SCT) describes what happens at the originator bank when an SCT recall takes place.

Prerequisites

  • The SEPA credit transfer is a duplicate, is technically incorrect, or has been triggered with fraudulent intent.

  • The originator bank triggers the recall within 10 bank working days of the settlement of the SEPA credit transfer.

Process

You can manually enter an active SCT recall (customer phones and requests a recall). The system creates an outgoing message (camt.056) in the Output Manager for the SCT recall for the recall of external payment items. This requests the recall of the original SCT (pacs.008) at the beneficiary bank. If the beneficiary bank returns the SCT, it returns a pacs.004 message. If the beneficiary bank does not return the SCT, it returns a camt.029 message (result of investigation). The Input Manager monitors and matches the camt.029 and pacs.004 messages to existing request agents.

The process is as follows:

  1. The customer can use the Create Recall BAPI (/PE1/BAPI_RECALL_CREATE) to enter the information in a manual payment item recall. The system creates a request agent for each recall to enable monitoring and status updates.

  2. The Activate Recall BAPI (/PE1/BAPI_RECALL_ACTIVATE) searches for payment items that match the recall.

  3. If no payment item is found, the Activate Recall BAPI (/PE1/BAPI_RECALL_ACTIVATE) returns this information to the interface. The recall is deactivated after a certain period has elapsed, and the status of the request agent is set to Completed.

  4. If a payment item is found, the system assigns the payment item to the recall. It then transfers the payment item to Exception Handling as follows:

    • If a payment item has not been posted or sent to the beneficiary bank, it does not need to be recalled with a camt.056 message at the beneficiary bank. The system must clear only posted ordering party items, and does so by redirecting them to a CpD account. Once the ordering party item has been cleared in the account management system and received in FS-PE, the system sets the request agent status to Received.

      The following graphic shows the active recall process if a payment item has not been posted or sent to the beneficiary bank:

      This graphic is explained in the accompanying text.

      Active recall process if a payment item has not been posted or sent to the beneficiary bank

    • If a payment item has been forwarded to the beneficiary bank after settlement, it cannot be posted to the account management system. Therefore, the system groups the relevant payment items according to recipient BIC from the original outgoing payment order, and uses the request agent to generate the outgoing camt.056 message. (From the SAP Easy Access menu, you choose   Payment Engine   Periodic Processing   Processes   Request Agent Mass Processing   to schedule this in end-of-day processing, with the action Forward.)

    • A response to the camt.056 message comes from the beneficiary bank as either a camt.029 message (notification that the payment item could not be recalled) or a pacs.004 message (recall successful) to the input converter in FS-PE. The Input Manager finds the request agent for each message and updates its status accordingly.

    • If a payment item has been forwarded to the beneficiary bank before settlement, the ordering party account and clearing account must be balanced in the account management system before the system can create the outgoing camt.056 message. The system groups the relevant payment items according to recipient BIC of the original outgoing order, and uses the request agent to generate the outgoing camt.056 message. The system assumes that either a pacs.002S2 message is returned from the clearing house, or that the beneficiary bank returns a negative or positive response.

      If the payment item has not yet been sent to the recipient bank and is processed in the same cycle as the camt.056 message at the clearing house, the clearing house sends the pacs.002S2 message, which is a payment cancellation report. This means that the original payment item was successfully recalled, and nothing is sent to the recipient bank. Payment Engine (FS-PE) imports the pacs.002S2 message and creates a return posting. If this is successful, the system sets the request agent Feedback field to 0001 (Accepted). If the pacs.002S2 message contains incorrect items (such as items that were not found in Payment Engine (FS-PE), that have already been returned), these are written to the import log and a request agent is created with the status 99 (Error) for each item.

      For more information, see Processing of Active Returns.

      The following graphic shows the active recall process if a payment item has been posted and sent to the beneficiary bank:

      This graphic is explained in the accompanying text.

      Active recall process if a payment item has been posted and sent to the beneficiary bank

    • If a payment item is internal before settlement, the ordering party and recipient account must also be balanced directly, similar to external payment items before settlement. The system sets the status of the request agent to 30 (Feedback Received) after the confirmation of the ordering party items is received from the account management system.

    • If a payment item is internal after settlement, and thus has been posted, the ordering party item (return posting order) must be postprocessed in the account management system. The system updates the request agent status to 30 (Feedback Received).

    • During end-of-day processing, the system changes the status of all the request agents from Received to Completed. (From the SAP Easy Access menu, you choose   Payment Engine   Periodic Processing   Processes   Request Agent Mass Processing   to schedule this in end-of-day processing, with the action Process.)

      The following graphic shows the active recall process if a payment item is internal:

      This graphic is explained in the accompanying text.

      Active recall process if a payment item is internal

More Information

For more information about the request agent, see Request Agent.

For more information about the passive return of SCT recalls, see Passive Recall of SEPA Credit Transfers.

For more information about recalls, see Recall.