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Payments - v1.44.91

v1.44.91​

Release Dates

  • Sandbox: 30.03.2026

Improvements​

Resolved timeout handling for outgoing SEPA instant payments with late confirmations​

Fixed issue where outgoing SEPA instant payments showed "Rejected Timeout" status but were successfully processed by the central bank, resulting in funds being credited to receiver accounts without proper debiting from customer accounts. The system now correctly handles pacs.008 messages that are accepted after the timeout period, ensuring proper account reconciliation with txId tracking.

Enabled SEPA 2025 rulebook compliance configuration​

Implemented configuration flags to support SEPA 2025 requirements: enable2025RulebookChanges flag for general SEPA 2025 features, sepaInstantTimeoutInSeconds set to 10 seconds for incoming instant payments, sepaInstantOutgoingTimeoutInSeconds set to 5 seconds for outgoing pacs.008 messages, and sepaOutgoingInstantPacs002WaitingTimeInSeconds set to 10 seconds for incoming pacs.002 timeout handling.

Added feature flag control for outgoing instant payment timeout processing​

Implemented enableSepaInstantOutgoingTimeout feature flag to control the Internal Processing Timeout functionality for outgoing instant payments, providing granular control over timeout behavior in production environments.

Configured default debit account for late instant payment confirmations​

Established default debit account ZSYW111 for Indexo tenant to handle scenarios where pacs.002 confirmations arrive after 10 seconds and the original debtor account has insufficient funds. This ensures proper settlement of outgoing instant credit transfers even when confirmations are delayed.

Corrected account debiting for timeout-accepted instant payments​

Resolved issue where funds remained unbooked when outgoing SEPA instant payments were accepted by the central bank after the 10-second timeout threshold. The system now properly debits funds from debtor accounts even when reservations are reversed due to late acceptance, maintaining accurate account balances for payments with delayed confirmations.

Optimized timeout handling and processing delays for instant payments​

Addressed performance issues in sandbox environment where 4-second delays between payment initiation and AML callout processing, combined with AML validation time, caused payments to exceed the 10-second timeout threshold. Improved processing efficiency to prevent legitimate payments from being incorrectly rejected due to internal processing delays.

For more information on the release timeline, see Mambu Release Cycle.

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