AML Standard Flows

Standard AML Flow for an Incoming Payment

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

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

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

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

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

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

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

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

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

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