AML Suspense Accounting Flows
  • 15 Feb 2021
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AML Suspense Accounting Flows

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Suspense Accounting AML Flow for an Incoming Payment


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

AML flow using suspense accounting 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 Payment Gateway

AML flow using suspense accounting for an incoming payment which is rejected


Suspended - The Suspense Account is Credited with the amount specified in the payment

AML flow using suspense accounting for an incoming payment which is suspended


Accepted when the payment was originally Suspended - The Suspense Account is Debited and the Beneficiary Account is Credited with the original amount

AML flow using suspense accounting for an incoming payment which is accepted after having been suspended


Rejected when the payment was originally Suspended - The Suspense Account is Debited and a Payment Return instruction (pacs.004.001.02) is sent out by the Payment Gateway

AML flow using suspense accounting for an incoming payment which is rejected after having been suspended


Manual Redirect Internal - transaction AML status is updated accordingly, the actual internal payment execution must be initiated through the standard Payment Initiation flow.

AML flow using suspense accounting for an incoming payment which is manually redirected to an internal account after having been suspended


Manual Redirect External - transaction AML status is updated accordingly, the actual external payment execution must be initiated through the standard Payment Initiation flow.

AML flow using suspense accounting for an incoming payment which is manually redirected to an external account after having been suspended


Suspense Accounting 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 Payment Gateway

AML flow using suspense accounting 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 flow using suspense accounting for an outgoing payment which is rejected


Suspended - The Originator Account was already debited part of the standard outgoing payment clearing flow, and now the Suspense Account is Credited with the original payment amount

AML flow using suspense accounting for an outgoing payment which is suspended


Accepted when the payment was originally Suspended - The Suspense Account is Debited and a Credit Transfer Instruction (pacs.008.001.02) is issued by the Payment Gateway

AML flow using suspense accounting for an outgoing payment which is accepted after having been suspended


Rejected when the payment was originally Suspended - The Suspense Account is Debited and the Originator Account is Credited with the original amount

AML flow using suspense accounting for an outgoing payment which is rejected after having been suspended


Manual Redirect Internal - transaction AML status is updated accordingly, the actual internal payment execution must be initiated through the standard Payment Initiation flow.

AML flow using suspense accounting for an outgoing payment which is manually redirected to an internal account after having been suspended


Manual Redirect External - transaction AML status is updated accordingly, the actual external payment execution must be initiated through the standard Payment Initiation flow.

AML flow using suspense accounting for an outgoing payment which is manually redirected to an external account after having been suspended


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