AML Standard Flows
  • 15 Feb 2021
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AML Standard Flows

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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 Payment Gateway

AML standard flow for an incoming payment which is rejected


Suspended - The payment is parked in the Payment Gateway 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 Payment Gateway

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 Payment Gateway

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 Payment Gateway 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 Payment Gateway

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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