The document describes how domestic and cross-border payments work. It shows a payment flow chart with steps like account lookup, verification, watch list screening, currency conversion, account funding, original credit of funds to the recipient, and optional funding reversal. The flow chart illustrates both a simple domestic transaction and a more complex cross-border transaction involving additional steps.

1. How it works
Sending Money Domestic and Cross Border
1
Tuesday, February 7, 2012

2. 2
Tuesday, February 7, 2012

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.
3
Tuesday, February 7, 2012

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.
4
Tuesday, February 7, 2012

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.
5
Tuesday, February 7, 2012

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.
6
Tuesday, February 7, 2012

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).
7
Tuesday, February 7, 2012