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Flow

The order is the point.

Reference, screening, route, entry, notice. Each step assumes the previous one finished, and that is not a matter of style: a screen that runs after the instruction is not a screen, it is a report.

  1. / 01

    Reference

    The instruction carries an id from the client system. The same id a second time returns the same entry, not a new one.

  2. / 02

    Screen

    Payer, beneficiary and beneficial owners are checked against the lists before money is instructed. A hit stops the instruction.

  3. / 03

    Route

    SIC, SEPA, or a supervised ramp. The chosen route and the counterparty stay on the record.

  4. / 04

    Entry

    Debit, credit, currency, rate and time. A refund is a new line, not a correction of the old one.

  5. / 05

    Notice

    The client system receives a signed message with the final status. A retry does not change that status.