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Status Submitted
Workspace Financial Transaction Manager
Components Canadian Payments Association (CPA)
Created by Guest
Created on Feb 13, 2026

RELATED IDEAS

Corelation of incoming reject transaction (reason code 900 rejects)

Bank of Nova Scotia (aka Scotia Bank) in Canada is implementing IBM FTM CPS to support electronic payments processing compliant with Payments Canada Standard 005.

For processing of incoming rejects with reason code 900, there are certain fields that must be validated during the processing of the transaction to ensure proper corelation with original payment.

As part of FTM-I-36, the field corelation was implemented for payment return and reversal processing. We need to modify this implementation to cater the 900 rejects corelation.

For Incoming rejected transactions with Reason Code 900

FTM CPS must support a simplified correlation and validation mechanism. Only the following fields should be validated and used for correlating the rejected transaction to the original forward transaction:

  1. Amount
  2. Date Funds to Be Available
  3. Originating Direct Clearer’s User ID
  4. Originator’s Cross Reference Number
  5. Stored Transaction Type (must match the original transaction’s transaction type)

All other CPA005 mandatory field validations should be bypassed for 900 Rejects.
If any of the above validations fail, CPS should reject the 900 transaction and must not update the status of the original forward transaction.
This behaviour should be configurable and apply only to Reason Code 900, without impacting other Return/Reversal processing.

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