Payments not received

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 request
reference is the reference you specified for the payment
amount is the amount of the payment, as always in minor units of currency (pence, cents) rather than pounds, euros or dollars
status is the status of the payment
currency is the currency of the payment
timestamp 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.

Example payment request

{
  "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.