SEPA
PAYMENTS SIGNAL · REFERENCE CARDRequest to Pay
Example Supplies Ltd asks Maya Chen to pay an invoice through a Request to Pay service. The request is delivered to Maya's bank; if she accepts, her bank sends a normal SEPA Instant credit transfer. A request is not a direct debit — Maya must agree. (SYNTHETIC / TRAINING ONLY)
Actors
- Example Supplies Ltd (creditor)customer
- Northstar Bank (creditor agent)bank
- Request-to-Pay serviceinfrastructure
- Bank Alfa (debtor agent)bank
- Maya Chen (debtor)customer
Messages
- pain.013
- pain.014
- pacs.008
The sequence
| # | Step | Route | Kind |
|---|---|---|---|
| 1 | pain.013 — Example Supplies raises a payment request | Example Ltd → Northstar | message |
| 2 | Route req — Northstar routes the request via the RtP service | Northstar → RtP service | message |
| 3 | Deliver req — The request is delivered to Maya's bank | RtP service → Bank Alfa | message |
| 4 | Accept? — Maya accepts, defers, or declines | Maya Chen | internal |
| 5 | pain.014 — Bank Alfa returns Maya's acceptance | Bank Alfa → Northstar | message |
| 6 | pacs.008 — Bank Alfa sends a SEPA Instant transfer | Bank Alfa → Northstar | message |
| 7 | Settlement — The transfer settles between the banks | Bank Alfa → Northstar | settlement |
| 8 | CR creditor — Northstar credits Example Supplies | Northstar | posting |
Exception rails
| Rail | Trigger | Where the money ends up | Next action |
|---|---|---|---|
| Declined: debtor says no | Maya does not owe the amount, disputes it, or simply chooses not to pay this request. | Untouched — Maya's account was never debited. · None. No pacs.008 was sent, so no settlement occurred. | Maya Chen — Example Supplies contacts Maya, corrects the request, or resends it with a new due date. |
| Part payment: a different amount by agreement | Maya agrees she owes some but not all of the EUR 120.00 — for example a disputed line — and pays a lower agreed amount. | EUR 80.00 moved by agreement; EUR 40.00 remains unpaid and outside this transfer. · The EUR 80.00 part payment settled; no settlement occurred for the balance. | Maya Chen — Example Supplies reconciles the EUR 80.00 and raises a new request for the remaining EUR 40.00 if still owed. |