Verifying Transaction Notifications

Processing transaction notifications includes the following:

1. Instant Bank Transfer sends the notification.
   • Transaction – Regardless of transaction status (successful or rejected), Instant Bank Transfer sends a notification to the transaction notification URL specified by the merchant during the system integration. For more information, see Notifications.
   • FI returns – Instant Bank Transfer sends a return notification to the event (return) notification URL specified by the merchant during the system integration.
2. The merchant parses the notification. The merchant system now parses the notification and completes the following tasks:
   • Determines whether the transaction is successful or rejected, and then displays a message to the consumer.
   • Compares the transaction request data with the transaction notification data.
   • Stores the accountToken, bankAccountType, fiName, and accountLabel to use in returning consumer tokenized transactions.
3. The merchant updates the consumer account balance.
   • If the notification verification is returned without errors and the payin request matches the data in the transaction notification, the merchant can credit the consumer account.
   • If the transaction notification is not received or the verification from Instant Bank Transfer contains an error, the merchant should not credit the consumer. The payment can be marked as Pending until the merchant verifies the payment by other means.
4. The merchant sends a verification request. After parsing the transaction notification message and performing the necessary actions, the merchant system must echo back to Instant Bank Transfer an exact copy of the original notification message to the notify verification service URL. The copy must be a string that matches the notification message exactly and not parsed as a set of parameters.

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   The merchant system must parse the notification before sending the verification request. Sending the verification request before parsing the notification can result in the notification being incorrectly marked as successful in cases where the notification processing fails on the merchant system.

5. Instant Bank Transfer sends the verification response. When the Instant Bank Transfer system receives the verification request, it compares the string received with the notification message, and returns the verification response. A verification response with no errors indicates that the notification is verified.