Account PND — Post No Debit

Overview

These commands place or remove a Post No Debit (PND) restriction on a deposit account in core banking.
While PND is active, the account cannot be debited; credits are still processed normally.

The core banking provider (BankOne, BankLingo, etc.) is resolved automatically from the account number prefix using the tenant's routing rules — no provider field is required in the request.

Permission Required

DepositManagement.LockAccount

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ActivatePndOnAccountBpmCommand

Places a PND restriction on an account.

Request

{
  "cmd": "ActivatePndOnAccountBpmCommand",
  "data": {
    "accountNumber": "0123456789",
    "reason": "Suspicious transaction pattern — under investigation"
  }
}

Request Fields

Field	Type	Required	Description
accountNumber	string	Yes	The account number to restrict
reason	string	Yes	Reason for placing PND — stored in core banking and audit log

Response

{
  "isSuccessful": true,
  "statusCode": "00",
  "message": "Account '0123456789' has been placed on PND. No debit transactions will be allowed.",
  "data": {
    "accountNumber": "0123456789",
    "isOnPND": true,
    "reason": "Suspicious transaction pattern — under investigation",
    "referenceId": "A3F9D2B1C4E7",
    "route": "EmpireTrust"
  }
}

---

ReleasePndFromAccountBpmCommand

Removes an existing PND restriction and restores normal debit access.

Request

{
  "cmd": "ReleasePndFromAccountBpmCommand",
  "data": {
    "accountNumber": "0123456789",
    "reason": "Investigation concluded — no fraud found"
  }
}

Request Fields

Field	Type	Required	Description
accountNumber	string	Yes	The account number to unblock
reason	string	No	Reason for releasing PND (defaults to "PND released.")

Response

{
  "isSuccessful": true,
  "statusCode": "00",
  "message": "PND restriction on account '0123456789' has been lifted.",
  "data": {
    "accountNumber": "0123456789",
    "isOnPND": false,
    "reason": "Investigation concluded — no fraud found",
    "referenceId": "B7E2A1D3F509",
    "route": "EmpireTrust"
  }
}

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How Provider Routing Works

The handler calls ICoreBankingRepositoryWrapper.GetProvider(accountNumber) which matches the account prefix against the tenant's routing configuration and returns the appropriate ICoreBankingInterface implementation (BankOne, BankLingo, etc.). No provider code needs to be passed in the request.