Domestic
PAYMENTS SIGNAL · REFERENCE CARDA simple domestic transfer
One person pays another at a different bank in the same country. The simplest complete journey: instruct, check, move the message, move the money, credit.
Actors
- Payercustomer
- Bank Alfa (payer's bank)bank
- Clearing systeminfrastructure
- Nordbank (payee's bank)bank
- Payeecustomer
Messages
No standard message — a book / internal transfer.
The sequence
| # | Step | Route | Kind |
|---|---|---|---|
| 1 | Instruction — The payer asks their bank to pay | Payer → Bank Alfa | message |
| 2 | Checks — Bank Alfa checks the instruction | Bank Alfa | internal |
| 3 | Money out — The payer's balance goes down | Bank Alfa | posting |
| 4 | Payment message — The instruction travels to the clearing system | Bank Alfa → Clearing | message |
| 5 | Add it up — The clearing system adds everything up | Clearing | clearing |
| 6 | Banks settle — The banks settle up | Bank Alfa → Nordbank | settlement |
| 7 | Payment message — Nordbank receives the details | Clearing → Nordbank | message |
| 8 | Money in — The payee's balance goes up | Nordbank | posting |