Payment processing times
If a payment was confirmed
by the bank, this table shows how many working days it is expected to take to arrive in your Connect account. For non-instant schemes, this does not include weekends and public holidays. The maximum time indicates the point after which we’ll assume the payment is not going to be received.
Payment scheme | Location | Instant | Expected | Maximum |
---|---|---|---|---|
Faster Payments Scheme (FPS) | UK | Yes | Same day | 1 day |
SEPA Credit Transfer | Within country | No | Next day | 8 days |
SEPA Credit Transfer | Within SEPA zone | No | Next day | 8 days |
SEPA Instant | Within country | Yes | Same day | 1 day |
SEPA Instant | Within SEPA zone | Yes | Same day | 1 day |
SWIFT | Worldwide | No | 1 – 3 days | 8 days |
CHAPS | UK | No | Same day | 3 days |
ELIXIR | Poland | No | 1 – 2 days | 2 days |
BACS | UK | No | 3 days | 5 days |
NICS | Norway | No | 1 day | 1 day |
RIX | Sweden | No | 1 day | 1 day |
Notifications
If the payment is not received within the maximum timeframe above, we’ll change the payment status
to NOT_RECEIVED and send the following notification to your notifications endpoint.
Notification header
POST /payment_notification_url HTTP/1.1
Host: customer.com
Content-Type: application/json
User-Agent: Volt/2.0
X-Volt-Timed: 20200131123456
X-Volt-Signed: eda5e46baa6a676851975365e12b4ae61ee48442c0cbb8d0e3c3cfd47c3e1085
X-Volt-Type: payment_not_received
Notification body
{
"payment":"75809566-3fbe-4f14-bd8d-e6cd49ecedb7",
"reference":"PayerReference",
"amount":1234567,
"status":"NOT_RECEIVED",
"currency":"GBP",
"timestamp":"2019-10-28T12:34:56+01:00"
}
Notification fields
payment
is Volt’s internal ID for the payment, as returned in your initial payment requestreference
is the reference you specified for the paymentamount
is the amount of the payment, as always in minor units of currency (pence, cents) rather than pounds, euros or dollarsstatus
is the status of the paymentcurrency
is the currency of the paymenttimestamp
is when the notification was generated
Testing on sandbox
Test what happens when a payment is not received into a Connect account, without having to wait, by using our sandbox environment.
Simply request a payment for any currency that you have a Connect account setup, with an amount
of exactly 2050 and process it via one of our mock banks.
{
"currencyCode": "GBP",
"amount": 2050,
"type": "OTHER",
"uniqueReference": "test54321",
"payer": {
"reference": "u59kt9yh",
"email": "john.smith@example.com",
"name": "John Smith",
"ip": "192.168.0.1"
}
}
Expected result
You should receive a NOT_RECEIVED
notification as detailed above and the payment should be visible in Fuzebox.
- On this page
- Payment processing times
- Notifications
- Testing on sandbox