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Title: Bacs Inbound Direct Credit Held with Fincrime _:{fa-check-circle} _Prerequisites_ note: * ClearBank **IBAN** is mapped to Mambu Deposit account & **Virtual Account ID** is linked to Deposit Account * **Client Money Account** & **Bacs Suspense Account** are Available and Active * **Deposit Account** is Active | Approved * `monitorDirectCreditTransaction` is `true` in Mambu Config * **Accounting** is configured at `Deposit Product` level group:**Bacs: three-day processing cycle** _: **`Day One of Processing`** Bacs --> Bacs: **Input Day**: The Service User submits the payment to Bacs _: **`Day Two of Processing`** ClearBank --> ClearBank: **The Processing Day**: The Service User submits the payment to Bacs Bacs --> ClearBank: _Bacs_ outputs to _ClearBank_ ClearBank ->> MPO: {fa-assistive-listening-systems} **BacsDirectCreditInboundPaymentCreated** webhook is sent MPO -->> ClearBank: Confirm received webhook MPO -> MPO: AML status: `Pending` MPO --> Mambu: *Accounting*: (Debit) Scheme & (Credit) Transit MPO -> ComplyAdvantage: Submit **transaction** to ComplyAdvantage _:{fa-cogs} Alerts Review if: Accepted Transaction MPO -->>MPO:{fa-thumbs-up} AML status: `Accepted` MPO -->>MPO: {fa-box} Store the payment in AML _Accepted_ state note_: {fa-flag} **Accepted** Flow continues on `Day Three of Processing` end if: Rejected Transaction MPO -->>MPO:{fa-thumbs-up} AML status: `Rejected` MPO -->>MPO: {fa-box} Store the payment in AML _Rejected_ state note_: {fa-flag} **Rejected** Flow continues on `Day Three of Processing` end if: Suspended Transaction MPO -->>MPO:{fa-thumbs-up} AML status: `Suspended` MPO -->>MPO: {fa-box} Store the payment in AML _Suspended_ state note_: {fa-flag} **Suspended** Flow continues on `Day Three of Processing` end _: **`Day Three of Processing`** ClearBank ->> MPO: {fa-assistive-listening-systems} **BacsDirectCreditInboundPaymentHeld** webhook is sent MPO -->> ClearBank: Confirm received webhook MPO ->> Mambu: {fa-envelope} [INFO] Notification is sent if: Transaction is False Positive ClearBank ->> MPO: {fa-assistive-listening-systems} **TransactionSettled** webhook is sent MPO -->> ClearBank: Confirm received webhook if: Accepted Transaction MPO -->>MPO:{fa-thumbs-up} AML status: `Accepted` MPO -> Mambu: **Deposit** transaction is created in Mambu MPO --> Mambu: *Accounting*: (_Debit_) Suspense & (_Credit_) Savings Control MPO -->>MPO: {fa-box} Store the payment in AML _Accepted_ state end if: Rejected Transaction if: Rejected was sent until/on Day 4 MPO -->>MPO:{fa-box} Store the payment in AML _Returned_ state MPO --> Mambu: *Accounting*: (_Debit_) Suspense & (_Credit_) Scheme MPO -> ClearBank: Initiate **Return** transaction in ClearBank ClearBank ->> MPO: {fa-assistive-listening-systems} **BacsDirectCreditReturnCreated** webhook is sent MPO -->> ClearBank: Confirm received webhook end if: Rejected was sent after Day 4 MPO --> Mambu: *Accounting*: (_Debit_) Transit & (_Credit_) Withhold MPO -->>MPO:{fa-box} Store the payment in AML _Rejected_ state _:{fa-bell} Send **Notification** end end if: Transaction is True Positive Note []: {fa-exclamation} No webhook or notification is sent by ClearBank MPO ->> ClearBank: **Polling Mechanism:** Transaction is searched in ClearBank note: The search is made after 12 hours from the moment the **BacsDirectCreditInboundPaymentHeld** webhook arrvied. if: Transaction is not found in ClearBank MPO ->> Mambu: {fa-envelope} Notification is sent if: Accepted Transaction MPO -->>MPO: {fa-box} Store the payment in Rejected by ClearBank state MPO --> Mambu: *Accounting*: (_Debit_) Transit & (_Credit_) Withhold end if: Rejected Transaction MPO -->>MPO: {fa-box} Store the payment in Rejected by ClearBank state MPO --> Mambu: *Accounting*: (_Debit_) Transit & (_Credit_) Withhold end if: Suspended Transaction MPO -->>MPO: {fa-box} Store the payment in Rejected by ClearBank state MPO --> Mambu: *Accounting*: (_Debit_) Suspense & (_Credit_) Withhold end end end end