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Title: Bacs Inbound Direct Credit _:{fa-check-circle} _Prerequisite_ 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 `false` in Mambu Config group:**Bacs: three-day processing cycle** _: **`Day 1 of Bacs Processing Cycle`** Bacs --> Bacs: **Input Day**: The Service User submits the payment to Bacs _: **`Day 2 of Bacs Processing Cycle`** ClearBank --> ClearBank: **The Processing Day**: Payment details are validated Bacs --> ClearBank: _Bacs_ outputs to _ClearBank_ ClearBank ->> MPO: {fa-assistive-listening-systems} **BacsDirectCreditInboundPaymentCreated** webhook is sent MPO -->> ClearBank: Confirm received webhook _: **`Day 3 of Bacs Processing Cycle`** ClearBank --> ClearBank: **The Entry Day**: Settlement of the funds ClearBank ->> MPO: {fa-assistive-listening-systems} **TransactionSettled** (_Credit_) webhook is sent MPO -->> ClearBank: Confirm received webhook ClearBank -->> ClearBank: **Client Money Account** balance is updated (_Direct Credit Payment_) note_: Process `Inbound Direct Credit - Deposit [API]` is triggered Mambu -->> MPO: Search **depositAccountId** by IBAN in Mambu Mambu -->> MPO: Get Mambu Client/Group & **Deposit** Details if:** `confirmationOfPayee` = true ** note_1: Mambu **Client Name** `is different` to Clearbank **Transaction Owner Name** transaction is Returned else:** `confirmationOfPayee` = true/false ** MPO -> MPO: Mambu **Client Name** `is different` to Clearbank **Owner Name** transaction MPO -> ClearBank: **Update** Virtual Account *Owner Name* in ClearBank ClearBank -->> MPO : Verify **Virtual Account ID** and **IBAN** linkage in ClearBank _: **IF** *virtualAccountStatus* is `enabled` and *virtualAccountIBAN* `equals` *depositIban* MPO -> Mambu: **Deposit** transaction is posted in Mambu Mambu -->> Mambu: Deposit Account **Total/Available Balance** is updated _:{fa-bell} Send **Notification**