Direct Debit

Validate
Validate ability
Ability to
to recive
acceptmandates from ACH( ACTC
recived mandates MP : Accepted Technical Validation Completed ( Authentication and syntactica

Validate ability to send mandate file status in case of ACTC to ACH MP

Validate mandates Format ( PIC-Account number 16 digits - Currency is always "EGP" - Minimum Amount allowed "50 EGP" an

Response on mandate level :

Validate Ability to Reject received mandates , send mandate file status in case in case of rejection
Validate Ability to recived mandates response with returened for edit , send mandate file status in case in case of returened f
Validate ability to recive the confirmation of reception of the message from ACH MP
Validate ability to recive rejection or partial
rejection massage In case EBC found Technical issues in the batch or part of it, EBC sends a rejection or partial
Validate ability to cancel Mandate
Validate ability to send Mandate Cancellation Request message to EBC
Validate ability to recive confirmation massge from EBC in case of cancellation .
Validate ability to recive rejection or partial rejection massge from EBC in case of cancellation .

Validate ability to recive and accept Mandate Report message ( which includes all accepted/cancelled confirmed mandates
instructions for today.)
In case of aaccepted mandates :
Validte ability to recive batch file ( Payment File) from ACH 003 with mandate ID
Validate ability to match the incoming direct debit batch transactions automatically with database to validate the payment thr
Validate the ability of system to check the customer accounts balances automatically in case of acceptance , the system Perfo
file )

Rejection on Payment Level : ( TC: Perform the transaction using the rejection reason)
Validate ability to reject the payment file & generate rejection file and validate the Rejection
Validate ability to reject the payment file & generate rejection file and validate the Rejection
Validate ability to reject the payment file & generate rejection file and validate the Rejection
Validate ability to reject the payment file & generate rejection file and validate the Rejection
Validate ability to reject the payment file & generate rejection file and validate the Rejection
Validate ability to reject the payment file & generate rejection file and validate the Rejection
Validate ability to reject the payment file & generate rejection file and validate the Rejection
Validate ability to reject the payment file & generate rejection file and validate the Rejection

Cancellation on Payment Level : ( TC: Perform the transaction using the Cancellation reaso
Validate ability to Cancel the payment file & generate Cancellation file and validate the Cance
Validate ability to Cancel the payment file & generate Cancellation file and validate the Cance
Validate ability to Cancel the payment file & generate Cancellation file and validate the Cance
Validate ability to Cancel the payment file & generate Cancellation file and validate the Cance
Validate ability to Cancel the payment file & generate Cancellation file and validate the Cance

Return for edit on Payment Level : ( TC: Perform the transaction using the Return reason)
Validate ability to Return the payment file & generate Return file and validate the Return cod
Validate ability to Return the payment file & generate Return file and validate the Return cod
Validate ability to Return the payment file & generate Return file and validate the Return cod
Validate ability to Return the payment file & generate Return file and validate the Return cod
Validate ability to Return the payment file & generate Return file and validate the Return cod
Validate ability to Return the payment file & generate Return file and validate the Return cod
Validate ability to Return the payment file & generate Return file and validate the Return cod
Validate ability to Return the payment file & generate Return file and validate the Return cod
Validate ability to Return the payment file & generate Return file and validate the Return cod
Validate ability to Return the payment file & generate Return file and validate the Return cod
Validate ability to Return the payment file & generate Return file and validate the Return cod

Direct Credit
Direct Credit Initiated by AAIB ( Outgoing)
Validate ability to create single payment and vaildate the existance of mandatory field
Validate the format is coorect according to standard XML .
Validate ability to send Single payment file.
Validate ability to Receive a reposnse from ACH with the status and validate the cancellation
Validate ability to edit and send the payment after editing in case of return for edit.
in case of acceptance : Validate the ability to generate file (PACS 008) with due date today an
Validate that the amount mentioned in the file (PACS 008) is holded.
Validate ability to create Bulk payments , validate the existance of mandatory field for all cus
Validate ability to send Bulk payments.
Validate the format is coorect according to standard XML .
Validate ability to Receive reposnse from ACH to bulk of payments with different status. ( Ask
in case of acceptance : Validate the ability to generate file (PACS 008) with due date today an
Validate that the amounts mentioned in the file (PACS 008) is holded.
TCs for different number of customers mentioned in bulk ( 50 - 100 - 200 - 500 - 1000 - 3000)
N. Perform debit transaction for the holded amount from teller. (Customer has only the holede
N. Perform debit transaction for the holded amount from ATM.(Customer has only the holede
N. Perform debit transaction for the holded amount from POS. (Customer has only the holeded
N. Perform FT transaction Using the holded amount (Customer has only the holeded amount i
N. Perform STO transaction Using the holded amount (Customer has only the holeded amoun
N. Perform Loan payment transaction Using the holded amount (Customer has only the holed
N. Perform credit card settlement transaction Using the holded amount (Customer has only th
Validate ability to cancel payment file before settlement day (in case of forward value date) ,
Validate ability to initiate STO for direct credit transaction for single payment , and validate fi
Validate ability to initiate STO for direct credit transaction for bulk payments , and validate fil

Direct Credit received by AAIB

Validate Receive file (batches) and load it to T24.
Ability to validate file format and send response in case of acceptance
Vaidate ability to reject batchs using rejection codes
Vaidate ability to return batchs using reurn codes
Vaidate ability to cancel batchs using cancellation codes
Vaildate bulk payments for SCCD upon receiving
vaildate bulk payments for SALA upon receiving
vaildate bulk payments for PENG upon receiving
vaildate bulk payments for PENS upon receiving
vaildate bulk payments for PAYR upon receiving
TCs for record doesn’t match the requirement to validate that will be dropped in the repair queue mak
TCs for charges deduction with precentage of 2/1000
Validte ability to generate batch file ( Payment File) from ACH & validate type of account ( CA
Validte ability to generate batch file ( Payment File) from ACH & validate type of account ( LO
Validte ability to generate batch file ( Payment File) from ACH & validate type of account (SLR
Validte ability to generate batch file ( Payment File) from ACH & validate type of account ( SV
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Direct Credit received by Bank (2.2.1)
Direct Credit Initiated By the Bank >> used to credit customer accounts at another banks using PA
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Direct Credit Initiated By the Bank >> used to credit customer accounts at another banks using PA
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 Direct Debit on Customer (2.1.4)
Validate that the user has an access guranteed to log in to the portal in order to receive the mandate
Validate that the mandate includes the right account format full A/C ex. (GRD1562893961001) (Positive and negative scenari
Validate that the user is able to upload excel sheet extracted from mandate portal web system
Validate that the user will process the payment through checking the UMR (unified mandate record) code while the system a
Validate that the system will automatically check the validated customer account balances according to the sufficiency of fund
Validate that the system will accept the payment --> Integration
Validate that the system will reject the payments by giving the proper reasons stating "insufficient funds" >> Integration >> +v

Validate that the system will reject the payments by giving the proper reasons stating "closed account" >> Integration >> +ve a
Validate that the system will reject the payments by giving the proper reasons stating "Dormant account"> Integration >> +ve
Validate that the system will reject the payments by giving the proper reasons stating "GL Closed" >> Integration >> +ve and -v
Validate that the system will reject the payments by giving the proper reasons stating "Missing Account Number" >> Integratio
Validate that the system will reject the payments by giving the proper reasons stating "Insufficient Payment Details" >> Integra
Validate that the system will reject the payments by giving the proper reasons stating "Incorrect Account Number" >> Integrati
Validate that the system will reject the payments by giving the proper reasons stating "Invalid Currency" >> Integration >> +ve
Validate that the system will reject the payments by giving the proper reasons stating "Frozen or Blocked Account" >> Integrati
Validate that the system will reject the payments by giving the proper reasons stating "Rejected By Beneficiary" >> Integration
Validate that the system will reject the payments by giving the proper reasons stating "Regulatory Reason" >> Integration >> +
Validate that the system will reject the payments by giving the proper reasons stating "Invalid Credit Instructions" >> Integrati
Validate that the system will reject the payments by giving the proper reasons stating "Invalid Account Details" >> Integration
Validate that the system will reject the payments by giving the proper reasons stating "Duplicate Payment" >> Integration >> +
Validate that the system will automatically reject the payment process upon insufficiency of funds as well as sending PACS002
Validate that the system will drop payments which doesn’t contain pre-existed UMR (unified Mandate Record) in the data bas

Direct Credit received by Bank (2.2.1)

Direct Credit Initiated By the Bank >> used to credit customer accounts at another banks using PACS 0
Validate that the account holder is able to initiate a transaction in which money is transferred directly from one bank account
Validate that a third party is able to initiate a transaction in which money is transferred directly from one bank account to ano
Validate that the recipient has no control over the transaction and cannot initiate a transfer of funds from the account of the p

Validating that the system once the outgoing payments are debited from customer accounts will be credited to ACH holdover
Validate that user can initiate outgoing transfer
Validate that the user filled all mandatory fields in the right (required) formats >> +ve and -ve scenarios
Validate that user has sufficient balace to cover transfer amount + fees (if applicable) +ve and -ve scenarios
Validate the receipt of appropriate message in case of insufficient funds (or other valid rejection reason)
Validate user has no posting restrictions and reciept of success message if so
Validate that the user will receive of appropriate message if posting restriction exists
Validate that correct amount is debited from customer's account and credited to ACH holdover account (GL)
Validate settlement of correct amount against CBE nostro account at the end of settlement window >> +ve and -ve scenario
Validate that standing orders can be initiated through ACH similar to SWIFT
Validate that system generates PACS008 with correct transaction data based on user's action
Validate that cancellation can be done within cancellation window and confirm generation of PACS006 by the system
Validate that user can perform a bulk outgoing ACH transfers such as payroll by uploading excel sheet directly to the system a
Direct Credit Initiated By the Bank >> used to credit customer accounts at another banks using PACS 0
Validate that the user is receiving the file (Batch) and load it to Temenos
Validate that the user (maker) can reject the payment and will drop any record doesn’t match the requirement in the repair qu
Questions/Concerns to be raised with the business

N/A

What kind of accounts types/Rejection reasons should be rejected >> Seeking the bank
support to share the list of those types of accounts/Rejection Reasons

TD ? Overdraft? Can we make a transfer?

No debit -ve
No credit +ve
Held accounts >> partial +ve
-ve all the amounts are held

N/A
Repair Queue >> Seeking more clarification
N/A

N/A

GLs >> Need more clarification about the workflow related GL hold over

N/A
 N/A

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3. Validation rules
>>> Validation rules should be provided by the bank
Need to seek the bank support and approvals for the validation rules as it varies
from a bank to another >> Very important
SN Module/Sub-module/CBS
1 Direct Credit received
2 Direct Credit received
3 ACH
4 Foreign Currency (Direct Credit and Debit)
5 ACH
6 Direct Debit
7 ACH

8 ACH

9 TEMENOS
10 ACH
11 Window Timing (Settlement)
12 ACH

13 Customer E-Statement
14 Gap Sheet

15 ACH - Overall process

Points to be clarified
By applying any direct credit incoming payment debits the ach incoming holdover and credit the customer account
Resend ACH >> Know How ?
Commission Fees and Rejection fees >> What should be the right Flow ? Any conditions ?
Know How ?
Single and Bulk Payment process ? Know How ?
In case of Cheque Duplication ? What should be the right flow ?
What's the difference between >> Cancelled,Rejected and Returned ?

Bank << Acknowldgement >> CBE:

Need to have a clarification for the right acknowldgement workflow between the Bank and CBE during the payment
process with Debit or credit
Seeking your humble support to observe the system in case it's working and not down
CAD (Credit Admin team) >> is it involved in the ACH Payment process ? And if so, could we know their intervention ?
Is it fixed by CBE or it depends from a bank to another ?
GLs (Debit and Credit) >> need to observe those transactions worflow

Need to know the right description on the customer E-statement

Seeking confirmation from HDB that all the OOS/Core Functionality Gap points will be not included in our TCs design
Page 6:
3. Validation rules
>>> Validation rules should be provided by the bank
Need to seek the bank support and approvals for the validation rules as it varies from a bank to another
>> Very important
Account Type Description
CACC Current account
LOAN Account used for loans
SLRY Salary account
SVGS Account used for savings

Valid Rejection Codes

Rejection Code Description
1 Closed Account
2 Dormant Account
3 Missing Account Number
4 Insufficient Payment Details
5 Incorrect Account Number
6 Invalid Currency
7 Frozen or Blocked Account
8 Rejected By Beneficiary
9 Regulatory Reason
10 Insufficient Fund
11 Invalid Credit Instructions
12 Invalid Account Details
13 Duplicate Payment

Valid Return Codes

Return Code Description
100 Incorrect Account Number
101 Closed Account
102 Frozen or Blocked Account
103 Dormant Account
104 Invalid Currency
105 Insufficient Payment Details
106 Invalid Credit Instructions
107 Duplicate Payment
108 Invalid Account Details
109 Insufficient Fund
110 Regulatory Reason
111 Missing Account Number
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High Level - TC Design ACH
Validate that the currency field will be dimmed (not editable) based on the customer account's currency >> +ve and -ve Scena