How our A2Apay Domestic Cross Border payment works.

1. How it works
Sending Money Domestic and Cross Border
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3. Payment Flow
Name/Label Description
At each milestone, processing may lead to a successful outcome (green arrow) or return
of an error message (red arrow).
Green/Red Arrows
The flowchart represents two business cases as coloured paths/ outlines:
• Yellow. A simple domestic P2P transaction.
Orange/Blue Flows
• Blue. A cross-border P2P transaction.
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4. Payment Flow (cont’d)
Name/Label Description
Recommended that all transaction sequences begin with Account Lookup and
Account Verification:
Account Lookup improves customer experience by determining:
A • Recipient or Sender’s account type.
• Recipient’s country and billing currency codes, which can be used by FX, for
example, to populate Request properties.
• Funds delivery speed; also, recipient eligibility to receive Original Credit
Transactions generally.
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5. Payment Flow (cont’d)
Name/Label Description
Account Verification is an anti-fraud measure that performs Address Verification
Service (AVS), Random Amount and CVV2 validation for the sender’s account. Optionally,
transactions may run Watch List and/or FX:
Watch List determines whether sender should be screened against a regulatory watch
list per A2A rules; if yes, it obtains a score and checksum to be populated in any
B Original Credit request.
FX determines A2A’s currency conversion rate for a given currency pair.
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6. Payment Flow (cont’d)
Name/Label Description
These methods return data useful primarily in cross-border transactions.
Non-Account Funding transactions (for example, purchases and ATM withdrawals) are
C
not supported.
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7. Payment Flow (cont’d)
Name/Label Description
They provides a sequence of three methods that facilitate movement of funds:
Account Funding debits (pulls) funds from a sender’s credit card or bank account.
Original Credit credits (pushes) funds to a recipient’s credit card or bank account.
D
Optionally, Funding Reversal credits (pushes back) funds to the sender’s credit card or
bank account (for example, when the Original Credit authorization is declined).
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