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AML Standard Flows

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Standard AML Flow for an Incoming Payment​


Accepted - The Beneficiary Account is credited with the amount specified in the payment

Standard AML Accepted Flow for an Incoming PaymentAML SystemPayment GatewayBeneficiary AccountIncoming Payment waiting for AML checkSubmit Payment AML Result "Accepted"credit account

Rejected - The Payment is returned and a Payment Return instruction (pacs.004.001.02) is issued by the Mambu Payment Gateway (MPG)

AML standard flow for an incoming payment which is rejected

Suspended - The payment is parked in the MPG until a definitive AML result has been provided

AML standard flow for an incoming payment which is suspended

Accepted when the payment was originally Suspended - The Beneficiary Account is credited with the amount specified in the payment

Standard AML Accepted Flow for an Incoming Payment which was originally SuspendedAML SystemPayment GatewayBeneficiary AccountIncoming Payment waiting for AML checkSubmit Payment AML Result "Suspended"Park payment until a definitive AML status is providedSubmit Payment AML Result "Accepted"credit account

Rejected when the payment was originally Suspended - The Payment is returned and a Payment Return instruction (pacs.004.001.02) is issued by the MPG

AML standard flow for an incoming payment which is rejected after having been suspended

Standard AML Flow for an Outgoing Payment​


Accepted - The Originator Account was already debited part of the standard outgoing payment clearing flow, and now a Credit Transfer Instruction (pacs.008.001.02) is issued by the MPG

AML standard flow for an outgoing payment which is accepted

Rejected - The Payment is marked as failed and the funds are credited back to the Originator Account

AML standard flow for an outgoing payment which is rejected

Suspended - The payment is parked in the MPG until a definitive AML result will be provided

Standard AML Accepted Flow for an Outgoing Payment which was originally SuspendedAML SystemPayment GatewayACHOutgoing Payment waiting for AML checkSubmit Payment AML Result "Suspended"Park payment until a definitive AML status is providedSubmit Payment AML Result "Accepted"Issue Outgoing Credit Transfer Instruction (pacs.008.001.02)

Accepted when the payment was originally Suspended - The Originator Account was already debited part of the standard outgoing payment clearing flow, and now a Credit Transfer Instruction (pacs.008.001.02) is issued by the MPG

AML standard flow for an outgoing payment which is accepted after having been suspended

Rejected when the payment was originally Suspended - The Payment is marked as failed and the funds are credited back to the Originator Account

AML standard flow for an outgoing payment which is rejected after having been suspended