Receive a book transfer
This guide will walk you through receiving a book transfer to one of your accounts. Payment processing is a multi-step process which requires interacting with several resource types. Learn about payments, transactions, submissions and admissions here
This guide covers receipt of a book transfer, view our other guide to learn about sending book transfers.
Prerequisites
You have already set up a bank account to make the payment from, and one to receive the payment into - if you haven’t, you can learn more about bank accounts here.
If you are attempting to receive a payment into a pooled account, the account must first have one or more pooled account members added to it. You can view the guide to add pooled account members here.
Receive a book transfer
We recommend creating a webhook in order to receive notifications of new inbound payments. The examples below illustrate a typical set of notifications that you will receive for an inbound book transfer.
The payment-created
event informs you that an inbound payment has been received.
{
"event-url": "/v0/events/ev.MG7WpgsiWrqVlfQlYnwZ3w",
"event-type": "payment-created",
"event-payload": {
"created-at": "2023-12-12T14:46:03.706Z",
"creditor": {
"account-url": "/v0/bank/accounts/ba.bihSK9VMQRCVhrFm5Rv7MA",
"creditor-type": "griffin-bank-account"
},
"debtor": {
"account-holder": "Jane Doe",
"account-number": "60484240",
"account-number-code": "bban",
"bank-id": "000000",
"bank-id-code": "gbdsc"
},
"payment-admissions-url": "/v0/payments/pm.BEPkS5c_XAy9ILoXr4rTYA/admissions",
"payment-amount": {
"currency": "GBP",
"value": "20.00"
},
"payment-direction": "inbound-payment",
"payment-url": "/v0/payments/pm.BEPkS5c_XAy9ILoXr4rTYA"
},
"created-at": "2023-12-12T14:46:03.706Z"
}
The admission-created
, event can also be used to identify when a payment has been received, the admission-scheme-information
indicates the payment-scheme
, which in this case is book-transfer
. Additionally you can use admissions to monitor the payment as it is being processed.
{
"event-url": "/v0/events/ev.2mTHGtHNUjSVYgGEGUeuMQ",
"event-type": "admission-created",
"event-payload": {
"admission-scheme-information": {
"payment-scheme": "book-transfer"
},
"admission-status": "processing",
"admission-url": "/v0/admissions/pa.b-zT_tXrXHO7KkuuRx8eXQ",
"created-at": "2023-12-12T14:46:03.706Z",
"payment-url": "/v0/payments/pm.BEPkS5c_XAy9ILoXr4rTYA"
},
"created-at": "2023-12-12T14:46:03.706Z"
}
The admission-updated
event signals an update to the payment as a result of processing; in this case its status is delivered
, signalling that the payment amount has been credited to the recipient, but it could also signal a rejection or return.
{
"event-url": "/v0/events/ev.y3pDUTezWC-G41Pk0ilYfg",
"event-type": "admission-updated",
"event-payload": {
"admission-scheme-information": {
"payment-scheme": "book-transfer"
},
"admission-status": "delivered",
"admission-url": "/v0/admissions/pa.b-zT_tXrXHO7KkuuRx8eXQ",
"created-at": "2023-12-12T14:46:03.706Z",
"payment-url": "/v0/payments/pm.BEPkS5c_XAy9ILoXr4rTYA"
},
"created-at": "2023-12-12T14:46:03.706Z"
}
The transaction-created
event also signals that the payment amount has been credited to the recipient. transaction-created
events additonally include account-balance
information, so they are useful for maintaining an account statement, or for reconcilliation.
{
"event-url": "/v0/events/ev.mrsba9YxUtaoo4JP5eOv6Q",
"event-type": "transaction-created",
"event-payload": {
"account-balance": {
"currency": "GBP",
"value": "20.00"
},
"account-transaction-url": "/v0/bank/transactions/tr.PK8zcJ9wVnOn5jHghsNJew",
"account-url": "/v0/bank/accounts/ba.bihSK9VMQRCVhrFm5Rv7MA",
"balance-change-direction": "credit",
"balance-change": {
"currency": "GBP",
"value": "20.00"
},
"payment-url": "/v0/payments/pm.BEPkS5c_XAy9ILoXr4rTYA",
"post-datetime": "2023-12-12T14:46:03.978Z",
"transaction-origin-type": "payment"
},
"created-at": "2023-12-12T14:46:03.706Z"
}