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AML Standard Flows
  • 03 Feb 2022
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AML Standard Flows

  • Updated On 03 Feb 2022
  • 1 Minute To Read
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Article summary

Standard AML Flow for incoming payments involves crediting the Beneficiary Account if accepted, returning the payment if rejected, or parking it until a definitive AML result is provided if suspended. For outgoing payments, if accepted, the Originator Account is debited and a Credit Transfer Instruction is issued; if rejected, the payment fails and funds are returned to the Originator Account; if suspended, the payment is parked until an AML result is provided. Accepted payments are processed, while rejected payments are returned with instructions.

Standard AML Flow for an Incoming Payment


Accepted - The Beneficiary Account is credited with the amount specified in the payment

AML standard flow for an incoming payment which is accepted

Rejected - The Payment is returned and a Payment Return instruction (pacs.004.001.02) is issued by the Mambu Payment Gateway (MPG)

AML standard flow for an incoming payment which is rejected

Suspended - The payment is parked in the MPG until a definitive AML result has been provided

AML standard flow for an incoming payment which is suspended

Accepted when the payment was originally Suspended - The Beneficiary Account is credited with the amount specified in the payment

AML standard flow for an incoming payment which is accepted after having been suspended

Rejected when the payment was originally Suspended - The Payment is returned and a Payment Return instruction (pacs.004.001.02) is issued by the MPG

AML standard flow for an incoming payment which is rejected after having been suspended

Standard AML Flow for an Outgoing Payment


Accepted - The Originator Account was already debited part of the standard outgoing payment clearing flow, and now a Credit Transfer Instruction (pacs.008.001.02) is issued by the MPG

AML standard flow for an outgoing payment which is accepted

Rejected - The Payment is marked as failed and the funds are credited back to the Originator Account

AML standard flow for an outgoing payment which is rejected

Suspended - The payment is parked in the MPG until a definitive AML result will be provided

AML standard flow for an outgoing payment which is suspended

Accepted when the payment was originally Suspended - The Originator Account was already debited part of the standard outgoing payment clearing flow, and now a Credit Transfer Instruction (pacs.008.001.02) is issued by the MPG

AML standard flow for an outgoing payment which is accepted after having been suspended

Rejected when the payment was originally Suspended - The Payment is marked as failed and the funds are credited back to the Originator Account

AML standard flow for an outgoing payment which is rejected after having been suspended

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