Transactions
The Transactions screen provides a consolidated view of all SEPA Instant Payment messages processed by the system, regardless of their actual status and direction. It allows users to monitor the processing results, check settlement information, and export transaction data for reporting or analysis.
This screen is based on the platform’s common table view. To avoid duplication, this page focuses only on features specific to SEPA Instant payments.
This page focuses only on SEPA Instant–specific features of the Transactions screen.
If you need more context, the following topics may help.
Understand the full capabilities of the Transactions screen across all payment areas:
Learn about the generic controls used across all table views:
See how related messages form a payment lifecycle group:
Complete Filter Reference
In the Filter Panel you may choose between the following filters to narrow down the search result displayed in the transaction table:
Amount Filter
The Amount filter lets you search for transactions based on their payment value.
Enter Range:
- Type a minimum value (e.g.,
10000) to display only transactions above that amount. - Optionally, enter a maximum value to limit the upper range.
- The table updates automatically to show transactions within the specified range.
- Enter a minimum value only, to display all transactions greater than or equal to that amount.
- Enter a maximum value only, to display all transactions less than or equal to that amount.
- Enter both values, to display all transactions within the specified range.
Creditor/Debtor BIC Filter
The Creditor BIC filter lets you search transactions by the beneficiary’s or payer’s bank.
Enter BIC:
- Type or paste the BIC (Bank Identifier Code) of the creditor’s or payer’s bank.
- The transaction list updates to show only payments where the receiving or sending bank matches the entered BIC.
Creditor/Debtor IBAN Filter
The Creditor IBAN or Debtor IBAN filter lets you find transactions linked to a specific beneficiary or payer account.
Enter IBAN:
- Type or paste the IBAN of the beneficiary (creditor) or payer (debtor) into the search field.
- The table will update to show only transactions where the selected IBAN is the receiving or sending account.
Creditor/Debtor Name Filter
The Creditor Name or Debtor Name filter lets you search for transactions by the beneficiary’s or payer’s account holder name.
Enter Name:
- Type the creditor’s or payer’s name (or part of it) into the search field.
Direction Filter
The Direction filter helps you distinguish between payments sent by your bank and those received from other banks.
Options:
- Incoming – Payments received from other banks.
- Outgoing – Payments initiated by your bank.
Global Id Filter
The Global Id filter allows you to search and group transactions that belong to the same end-to-end payment flow. Unlike other ids that identify a single message, the Global Id connects all related messages exchanged during the lifecycle of a payment.
Enter Global Id:
- Type or paste the Global Id into the search field.
- The transaction list updates to display all messages belonging to that Global Id.
Use Global Id whenever you need to understand the full story of a payment.
Internal Id Filter
The Internal Id filter allows you to locate a transaction using the unique identifier generated by the payments platform.
Enter Internal Id
- Type or paste the Internal Id into the search field.
- The transaction list will display the exact record tied to that Id.
- Use Internal Id when troubleshooting within the platform or coordinating with technical teams.
- For interactions with external parties (banks, ACH, customers), use Transaction Id or Global Id instead, since they are recognized outside the platform.
- When escalating internally, providing both Internal Id and Global Id ensures complete traceability.
Message Status Filter
The Message Status filter lets you refine transactions by their SEPA message lifecycle state.
Options:
- None – No status assigned.
- ACH Acknowledged – Clearing House acknowledged the transaction.
- ACH Not Acknowledged – Clearing House rejected the transaction.
- ACH Timeout – Clearing House request ran into a timeout.
- AML Confirmed – Anti Money Laundring check confirmed the transaction.
- AML Failed – Anti Money Laundring check refused the transaction.
- AML Pending – Anti Money Laundring check needs to be executed manually.
- AML Timeout – Anti Money Laundring request ran into a timeout.
- Approval Pending – Message awaiting approval.
- Approval Rejected – Message approval got rejected.
- Booked – Transaction booked into the account.
- Booking Failed – Booking the transaction into the account failed.
- Booking Pending – Booking request is pending.
- Booking Timeout – Booking request ran into a timeout.
- Created – Message has been generated.
- Duplicate – Message is a duplication.
- Failed – Message processing failed.
- Not Settled – Settlement at the scheme pool failed.
- Recall Pending – Message response is pending.
- Recalled – Message was successfully recalled.
- Received – Message was received from the counterparty.
- Release Failed – Funds release request failed.
- Release Pending – Funds release request is pending.
- Release Timeout – Funds release request ran into a timeout.
- Released – Funds reservation for the payment was successfully released.
- Reservation Pending – Funds reservation request is pending.
- Reserve Failed – Funds reservation request failed.
- Reserve Timeout – Funds reservation request ran into a timeout.
- Reserved – Funds for the payment reservation was successful.
- Resolution Pending –
- Resolved –
- Return Pending – Payment return request is pending.
- Returned – Payment was successfully returned.
- Sent – Message was successfully sent out.
- Sent to CSM – Message was successfully sent to the Clearing House.
- Settled – Successfully settled at scheme level.
- Validation Confirmed – Passed system or scheme validation.
- Validation Failed – Failed checks (e.g., scheme rules, formatting).
- Validation Pending – Pending system or scheme validation.
- Validation Timeout – Validation not completed within the expected time.
- Focus on Validation Failed and Validation Timeout to detect issues needing immediate action.
- Duplicate helps avoid double processing and must be monitored.
- Settled is the confirmation state — always verify disputed transactions have reached this stage.
Message Type Filter
Use Message Type to narrow transactions by the kind of SEPA Instant message.
Options:
- Confirmation – Confirms settlement or execution of a transaction.
- Credit – Standard credit transfer (payment sent).
- Customer Status – Updates provided to the originator about their payment request.
- Inquiry – Request for information or clarification about a previously sent transaction.
- Instruction – Payment initiation instructions awaiting processing.
- Recall – Request to recall (cancel) a payment already sent.
- Resolution – Message related to resolving an investigation case.
- Return – Reversal of a payment, typically when funds cannot be credited.
- Status Report – Technical message giving status updates on prior instructions.
- Status Request – Query for the latest processing status of a previously submitted payment.
Message Version Filter
The Message Version filter lets you see which ISO 20022 message version a transaction uses (e.g., pacs.008.001.09).
Enter Version:
- Type or choose the version (e.g., 001.09).
- The table updates to show only transactions with that version.
Useful during scheme migrations to confirm whether transactions are processed in the correct version.
Processing Date Time Filter
The Processing Date Time filter allows you to view transactions based on when they were processed in the system.
Select Date & Time Range:
- Choose a start date and time and an end date and time using the calendar and time picker.
- The transaction list updates to show only items processed within that period.
- Enter a start date and time only, to display all transactions greater than or equal to that timestamp.
- Enter an end date and time only, to display all transactions less than or equal to that timestamp.
- Enter both dates and times, to display all transactions within the specified range.
Settlement Date Filter
The Settlement Date filter allows you to find transactions based on the date they were settled at the clearing or scheme level.
Select Date Range:
- Choose a start date and an end date using the calendar picker.
- Only transactions with settlement dates within the chosen range will be displayed.
- Enter a start date only, to display all transactions greater than or equal to that date.
- Enter an end date only, to display all transactions less than or equal to that date.
- Enter both dates, to display all transactions within the specified range.
Status Filter
The Status filter lets you refine transactions based on their current internal processing state.
Options:
- None – No status assigned.
- Processing – Transaction is being processed.
- Processed – Transaction successfully handled.
- Booked – Transaction booked into the account.
- Rejected – Transaction failed due to validation or processing rules.
- Error – Transaction encountered a technical or system error.
- Use Rejected and Error to quickly identify issues that need investigation.
- Processed and Booked are final states that confirm successful handling.
- If a transaction remains in Processing for too long, escalate for system or network checks.
Transaction Id Filter
The Transaction Id filter allows you to search for a specific payment using the identifier assigned by an external system (such as a clearing house, ACH, or counterparty bank).
Enter Transaction Id:
- Type or paste the Transaction Id into the search field.
- The transaction list updates to show the exact payment message with that Id.
- Use Transaction Id when communicating with external parties (customers, other banks, ACH), as they will not know your internal ids.
- If you need to see all related lifecycle messages, switch to Global Id.
- For troubleshooting within your own system only, use Internal Id instead.
Actions for SEPA Instant Processing
The Transactions screen allows users to approve transactions, recall outbound payments or respond to an incoming Recall request by returning the funds or resolve the recall.
The availability of these functionalities is depending on user roles and permissions.
Approve a Transaction
See 👉 Screen Reference ➞ Approval Actions for an explanation of the Approval functionality.
Recall an Outbound Payment
Create a Recall
To open the Recall screen you have to:
- Select one row by ticking its checkbox
- Click on the Recall button
Clicking the button fills a new Recall message (camt.056) from the original Credit details and opens the Recall screen presenting this new transaction:
Fill in the Recall Information
Before you can submit a Recall, you must first select a Reason Code from the dropdown list. Only valid reason codes for the current transaction will be shown.
When a reason is selected, the system automatically fills the Originator information based on the context e.g.,
- Selecting
CUST – Requested by Customer→ the Debtor Name is used as the originator.
- Selecting
DUPL – Duplicate Payment→ the Debtor Bank BIC is used as the originator.
These values can still be adjusted manually if needed.
Some reason codes require additional information.
If so, the corresponding field becomes visible and must be completed before submitting:
Clicking the Submit button validates the transaction and submits it further to the Clearing House.
To Cancel the Recall creation, just close the screen by clicking on the close icon (✖️) in the top right corner.
Return Funds on a Recall
Create a Return
To open the Return screen you have to:
- Identify the inbound Credit in status Recalled
- Open the Credit group to display all related messages
- Select the row presenting the Recall message by ticking its checkbox
- Click on the Return button
Clicking the button fills a new Return message (pacs.004) from the original Credit details and opens the Return screen presenting this new transaction:
Fill in the Return Information
Before you submit a Return, you may fill in Additional Information in the regarding field.
Clicking the Submit button validates the transaction and submits it further to the Clearing House.
To Cancel the Return creation, just close the screen by clicking on the close icon (✖️) in the top right corner.
Reject a Recall
Create a Resolution
To open the Resolution screen you have to:
- Identify the inbound Credit in status Recalled
- Open the Credit group to display all related messages
- Select the row presenting the Recall message by ticking its checkbox
- Click on the Resolve button
Clicking the button fills a new Resolution message (camt.029) from the original Credit details and opens the Resolution screen presenting this new transaction:
Fill in the Resolution Information
Before you can submit a Resolution, you must first select a Reason Code from the dropdown list. Only valid reason codes for the current transaction will be shown.
When a reason is selected, the system automatically fills parts of the Additional Information based on the context, if necessary.
The Additional Information can also be adjusted manually if needed.
Clicking the Submit button validates the transaction and submits it further to the Clearing House.
To Cancel the Resolution creation, just close the screen by clicking on the close icon (✖️) in the top right corner.