Mambu Payment Gateway
  • 03 Apr 2025
  • 5 Minutes To Read
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Mambu Payment Gateway

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Article summary

Removal of Mambu Payment Gateway

At Mambu we are committed to delivering cutting-edge financial technology. Our recent acquisition of Numeral allows us to provide you with an even more powerful and efficient payment solution with advanced payment capabilities.

Therefore we have made the decision to discontinue the development and support of Mambu Payment Gateway. Our teams are available to discuss your options, including a potential migration to Numeral. We understand the implication that this change may have on your operations and are committed to supporting you throughout the transition period.

The purpose of Payment Order capability is to orchestrate the movement of money between an account in Mambu and an account at a third-party financial institution (both domestic as well as international).

The orchestration includes triggering Payment Execution on the user-specified date, debiting / crediting the account in Mambu (i.e. calling transaction API), storing-and-forwarding the credit / debit instruction for settlement in a third party financial institution via the Mambu Payment Gateway (MPG), that in turn sends it out to Payment Network.

The tools needed to operate the payments functionality are:

  • Mambu UI
  • API development environment (e.g Postman)
  • Mambu Payment Gateway UI

Logging in

Depending on the level of security enabled for your instance you will either log in using regular authentication using just a username and password or multi-factor authentication (MFA) where a one time passcode is sent to a mobile phone number associated with your account. For more information, see User Administration and Audit Trail - Multi-factor authentication.


The navigation menu is located on the left of the page. The navigation menu gives access to the following sections:

  • Incoming - Payment messages received (e.g Payments received from the financial network)
  • Outgoing - Payment messages received (e.g Payments sent to the financial network)
  • Pending - Payment messages that require manual intervention of PG users
  • Configuration - System configurations such as Tenant BIC, AML enabling
  • Security - Users management and audit trail

Gateway Status


ActionFrom StateTo StatePost-ConditionsNotes
ReceiveN/AReceivedThe bulk credit instruction file (pacs.008) is received-
DebulkReceivedDebulkedThe bulk file is divided into each individual credit transfer instruction-
ReturnReceived / DebulkedReturnedIndividual credit transfer instruction is returned and corresponding pacs.004 file is generated-
SendReturnedSentGenerated pacs.004 file is sent to CSM via Mambu Payment Gateway Webhook-
Send-BulkedPayments are grouped/bulked in a sepa fileIf message doesn't proceed this status please check your webhook settings
SendBulkedSentMessage is available on the outgoing section-

Compliance checks


Incoming AML

Incoming Anti-money laundering (AML) allows banks and other financial institutions to send incoming payment details to the external third party AML provider (AML TPP) so that they can reduce the risk of money laundering with a frictionless flow in the Mambu Payment Gateway.

The MPG sends the transactions details and holds the payment process until it gets an AML result to the payments sent. The screening of a payment on the AML TPP can generate three types of results:

  • Accepted: No flags were raised on the AML TPP and payment can proceed the flow - crediting the beneficiary.
  • Suspended: Some flags were raised on the AML TPP and further analysis is being run on the AML TPP. The payment must be on hold until either an accepted or rejected is received.
  • Rejected: Payment was tagged on the AML TPP with a AML flag that lead to a rejection. The payment flow is stopped and the beneficiary is not credited.

image.png

Send payment details

	<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pacs.008.001.02">
   <FIToFICstmrCdtTrf>
      <GrpHdr>
         <MsgId>AML1</MsgId>
         <CreDtTm>2020-01-02T10:40:13</CreDtTm>
         <NbOfTxs>1</NbOfTxs>
         <TtlIntrBkSttlmAmt Ccy="EUR">1</TtlIntrBkSttlmAmt>
         <IntrBkSttlmDt>2020-01-02</IntrBkSttlmDt>
         <SttlmInf>
            <SttlmMtd>CLRG</SttlmMtd>
            <ClrSys>
               <Prtry>ST2</Prtry>
            </ClrSys>
         </SttlmInf>
         <InstgAgt>
            <FinInstnId>
               <BIC>CECAESMMXXX</BIC>
            </FinInstnId>
         </InstgAgt>
         <InstdAgt>
            <FinInstnId>
               <BIC>BTRLRO22</BIC>
            </FinInstnId>
         </InstdAgt>
      </GrpHdr>
      <CdtTrfTxInf>
         <PmtId>
            <InstrId>NOT1</InstrId>
            <EndToEndId>NOT1</EndToEndId>
            <TxId>NOT1</TxId>
         </PmtId>
         <PmtTpInf>
            <SvcLvl>
               <Cd>SEPA</Cd>
            </SvcLvl>
         </PmtTpInf>
         <IntrBkSttlmAmt Ccy="EUR">1</IntrBkSttlmAmt>
         <ChrgBr>SLEV</ChrgBr>
         <Dbtr>
            <Nm>Jane Doe</Nm>
            <PstlAdr>
               <Ctry>ES</Ctry>
            </PstlAdr>
            <Id>
               <OrgId>
                  <Othr>
                     <Id>GFA</Id>
                  </Othr>
               </OrgId>
            </Id>
         </Dbtr>
         <DbtrAcct>
            <Id>
               <IBAN>RO10INGBCBN4EVKASDJ8YNGT</IBAN>
            </Id>
         </DbtrAcct>
         <DbtrAgt>
            <FinInstnId>
               <BIC>CECAESMMXXX</BIC>
            </FinInstnId>
         </DbtrAgt>
         <CdtrAgt>
            <FinInstnId>
               <BIC>BTRLRO22</BIC>
            </FinInstnId>
         </CdtrAgt>
         <Cdtr>
            <Nm>John Doe</Nm>
            <PstlAdr>
               <Ctry>ES</Ctry>
            </PstlAdr>
            <Id>
               <OrgId>
                  <Othr>
                     <Id>V94025590</Id>
                  </Othr>
               </OrgId>
            </Id>
         </Cdtr>
         <CdtrAcct>
            <Id>
               <IBAN>RO71BTRLV67M9G4ASDEJ5D2</IBAN>
            </Id>
         </CdtrAcct>
         <RmtInf>
            <Ustrd>Incoming Payment</Ustrd>
         </RmtInf>
      </CdtTrfTxInf>
   </FIToFICstmrCdtTrf>
</Document>

processAmlResponse

Accepts AML check results for Payment Orders.

{
  "groupHeader": {
    "messageIdentification": "SCTORD200020190305ORD000011122"
  },
  "transactions": [
    {
      "status": "Accepted",
      "paymentIdentification": {
        "transactionIdentification": "00730100631BHGCSDW"
      },
      "debtorAgent": {
        "institutionIdentification": {
          "bicfi": "BTCLYU23"
        }
      },
      "interbankSettlementDate": "2019-06-28T00:00:00.000Z"
    }
  ]
}

Responses

CodeCode DescriptionResult
200OKThe AML check result has been prepared for processing.
400Bad requestValidation error occurred. This code will cover malformed syntax in request or incorrect data in payload.
405Method Not AllowedThis code is only sent when the HTTP method (PUT, POST, DELETE, GET etc.) is not supported on a specific endpoint. It has nothing to do with the consent, payment or account information data model.
415Unsupported Media TypeA media type which the serves does not support has been supplied.
500Internal Server ErrorInternal server error occurred
415Service UnavailableThe server is currently unavailable. Generally, this is a temporary state.
Business fieldBusiness descriptionFormatM/OXML / JSON tagExample
Message IdMessage reference created by the sender and forwarded in the SEPA messagetext{1,35}MmsgId22b8f938c6154877886a0c1fc
Creation Date TimeDate and time at which the message was createddateTimeMcreDtTm2019-05-22T12:24:13
Number of transactionsNumber of transactions in a given requesttext [0-9]{1,15}MnbOfTxs2
BICFinancial Institution Identificationtext [A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0]MbicABVRATW1XXX
Instruction IdentificationUnique identification, as assigned by an instructing party for an instructed party, to unambiguously identify the instruction.text{1,35}MinstrId82d7125b36014c2e8cc442a3
End To End IdentificationIt is generated by the originator bank to unambiguously identify the transaction.text{1,35}MendToEndIdNOT PROVIDED
Transaction IdentificationIt is generated by the Debtor bank, to unambiguously identify the transaction.text{1,35}MtxId4112f6688c846a89bee2b2c476f1145
Total Interbank Settlement AmountTotal amount of money moved between the originator bank and the beneficiary bank0 <= decimalMvalue100
CurrencyThe currency of the paymenttext[A-Z]{3,3}MccyEUR
Acceptance Date TimePoint in time when the payment order from the initiating party meets the processing conditions of the originator bank. This means that the originator bank has received the payment order and has applied checks such as authorisation, availability of funds, and so on.dateMaccptncDtTm2019-04-11 06:08:45
DebtorParty that owes an amount of money to a beneficiary. Name by which a party is known and which is usually used to identify that party.text{1,140}MnmJohn Doe
Postal AddressInformation that locates and identifies a specific address, as defined by the postal servicestext [A-Z]{2,2}OCtryES
Private IdentificationUnique and unambiguous identification of a person, like passport. Important Note: Either ‘Date and Place of Birth’ or one occurrence of ‘Other’ is allowedText{1,35} if ID or Date/text if DoB and PoBOBirthDtV94025590
Creditor AccountUnambiguous identification of the account of the creditor to which a credit entry will be posted as a result of the payment transaction.text[A-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,30}MibanRO75BTRLBSIJS00RPQWYLYWL

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