NPS & NIP Payment Events

BankLingo automatically dispatches process events for every payment message exchanged over NPS (NIBSS Payment System) and NIP. These events let you build BPMN workflows that react to transfers, mandates, direct debits, requests to pay, and account reports — without polling databases or writing custom integration code.

All events are dispatched with triggeredBy: "BankLingoPaymentService".

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How Payloads Work

Each event carries a standard payload dictionary in the process context. The keys documented below are available in BPM conditions and script tasks using standard variable syntax (e.g., {{ payload.msgId }}).

Common fields present in every NPS event:

Field	Type	Description
messageType	string	ISO 20022 message name, e.g. "pacs.008", "pain.009"
provider	string	Always "NPS" for NPS events; "nip" etc. for NIP

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Transfer Events

OnOutboundTransferInitiated — value 403

Fired when a customer-initiated outbound transfer has been submitted to NPS or NIP and is awaiting a settlement response.

Entity type: TransferRequest (102)
Entity ID: the OutwardCreditTransferRequest.ID

Payload field	Type	Source
messageType	string	"pacs.008" (NPS) or "nip.credit.transfer" (NIP) or "transfer.initiation"
msgId	string	NPS MsgId if assigned, otherwise SessionID
sessionId	string	Internal session reference
senderAccountNumber	string	Originator account number
senderName	string	Originator account name
beneficiaryAccountNumber	string	Destination account number
beneficiaryName	string	Beneficiary account name
beneficiaryBankCode	string	Destination institution code
amount	decimal	Transfer amount
provider	string	"nps" or "nip"

Example use cases:

• Trigger a compliance hold for transfers above a threshold
• Notify an approver for large or unusual transfers
• Start a fraud-screening subprocess

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OnOutboundTransferSettled — value 404

Fired when NPS returns a successful pacs.002 confirming that the outbound transfer was settled.

Entity type: TransferRequest (102)

Payload field	Type	Source
messageType	string	"pacs.002"
msgId	string	MsgId of the pacs.002
originalMsgId	string	MsgId of the original pacs.008
sessionId	string	Internal session reference
senderAccountNumber	string	Originator account
beneficiaryAccountNumber	string	Beneficiary account
beneficiaryName	string	Beneficiary name
beneficiaryBankCode	string	Destination institution code
amount	decimal	Settled amount
status	string	Final settlement status
reasonCode	string	NPS reason code (empty on success)
detail	string	Human-readable reason detail
provider	string	"NPS"

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OnOutboundTransferRejected — value 405

Fired when NPS returns a pacs.002 rejection for an outbound transfer.

Entity type: TransferRequest (102)

Same payload structure as OnOutboundTransferSettled, with non-empty reasonCode and detail.

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OnInboundDirectDebitReceived — value 504

Fired when another institution sends us a pacs.003 direct debit request (they are the creditor, our customer is the debtor).

Entity type: InwardTransaction (14)

Payload field	Type	Source
messageType	string	"pacs.003"
msgId	string	Inbound MsgId
senderAccountNumber	string	Debtor (our customer) account number
senderBankCode	string	Debtor bank code
beneficiaryAccountNumber	string	Creditor account number
beneficiaryBankCode	string	Creditor bank code
debtorName	string	Debtor name
amount	decimal	Debit amount
responseCode	string	Response code sent back to NPS
provider	string	"NPS"

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OnOutboundDirectDebitInitiated — value 505

Fired when we send a pacs.003 direct debit as the creditor bank (we are debiting a customer at another bank).

Entity type: TransferRequest (102)

Payload field	Type	Source
messageType	string	"pacs.003"
senderAccountNumber	string	Our creditor account
beneficiaryAccountNumber	string	Debtor account at other bank
amount	decimal	Debit amount
mandateId	string	Mandate reference this debit is under
npsStatusCode	string	NPS synchronous status
provider	string	"NPS"

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Mandate Events

OnMandateInitiationReceived — value 2500

Fired when another institution sends us a pain.009 requesting a mandate against one of our customers.

Entity type: NibssMandate (311)

Payload field	Type	Source
messageType	string	"pain.009"
msgId	string	pain.009 GrpHdr MsgId
mandateId	string	Mandate reference number
debtorAccountNumber	string	Our customer's account (the debtor)
debtorBankCode	string	Our bank code (debtor agent)
creditorAccountNumber	string	Creditor account at requesting bank
creditorName	string	Creditor name
creditorBankCode	string	Requesting bank code
amount	decimal	Collection amount
accepted	bool	Whether we accepted the mandate
provider	string	"NPS"

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OnMandateInitiationSent — value 2501

Fired when we send a pain.009 to initiate a mandate against a customer at another bank.

Entity type: NibssMandate (311)

Payload field	Type	Source
messageType	string	"pain.009"
msgId	string	pain.009 MsgId
mandateId	string	Mandate reference number
debtorAccountNumber	string	Debtor account at other bank
debtorBankCode	string	Debtor's bank code
creditorAccountNumber	string	Our creditor account
creditorName	string	Our creditor name
amount	decimal	Collection amount
provider	string	"NPS"

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OnMandateAcceptanceReceived — value 2502

Fired when we receive a pain.012 acceptance/rejection response for a mandate we initiated (pain.009).

Entity type: NibssMandate (311)

Payload field	Type	Source
messageType	string	"pain.012"
originalMsgId	string	MsgId of the original pain.009
mandateId	string	Mandate reference number
accepted	bool	true if accepted, false if rejected
provider	string	"NPS"

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OnMandateAmendmentReceived — value 2503

Fired when another institution sends us a pain.010 to amend an existing mandate.

Entity type: NibssMandate (311)

Payload field	Type	Source
messageType	string	"pain.010"
mandateId	string	Original mandate reference
debtorAccountNumber	string	Our customer's account
debtorBankCode	string	Our bank code
creditorAccountNumber	string	Creditor account
creditorName	string	Creditor name
accepted	bool	Whether we accepted the amendment
provider	string	"NPS"

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OnMandateAmendmentSent — value 2504

Fired when we send a pain.010 to amend a mandate we initiated.

Entity type: NibssMandate (311)

Payload field	Type	Source
messageType	string	"pain.010"
originalMandateId	string	Mandate reference being amended
provider	string	"NPS"

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OnMandateCancellationReceived — value 2505

Fired when another institution sends us a pain.011 to cancel a mandate.

Entity type: NibssMandate (311)

Payload field	Type	Source
messageType	string	"pain.011"
mandateId	string	Mandate reference being cancelled
debtorAccountNumber	string	Our customer's account
debtorBankCode	string	Our bank code
accepted	bool	Whether we accepted the cancellation
provider	string	"NPS"

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OnMandateCancellationSent — value 2506

Fired when we send a pain.011 to cancel a mandate we initiated.

Entity type: NibssMandate (311)

Payload field	Type	Source
messageType	string	"pain.011"
mandateId	string	Mandate reference
creditorAccountNumber	string	Our creditor account
debtorAccountNumber	string	Debtor account at other bank
debtorBankCode	string	Debtor's bank code
reasonCode	string	Cancellation reason code
provider	string	"NPS"

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OnMandateCollectionInitiated — value 2507

Fired when a mandate-based collection (debit) transfer has been submitted to NPS.

Entity type: TransferRequest (102)

Payload field	Type	Source
messageType	string	"mandate.collection"
sessionId	string	Internal session reference
debtorAccountNumber	string	Account being debited
debtorBankCode	string	Debtor's bank code
creditorAccountNumber	string	Our creditor account
amount	decimal	Collection amount
responseCode	string	Response code from NPS
provider	string	"nps" or other provider

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Request to Pay (RTP) Events

OnRequestToPayReceived — value 2600

Fired when another institution sends us a pain.013 Request to Pay — they want our customer to approve a payment.

Entity type: TransferRequest (102)

Payload field	Type	Source
messageType	string	"pain.013"
msgId	string	GrpHdr message ID
paymentInformationId	string	PmtInfId from pain.013
debtorAccountNumber	string	Our customer who must pay
debtorName	string	Debtor name
debtorBankCode	string	Our bank code
creditorAccountNumber	string	Creditor account at requesting bank
creditorName	string	Creditor name
creditorBankCode	string	Requesting bank code
amount	decimal	Requested payment amount
narration	string	Payment narration
expiryDateTime	datetime	Request expiry
clientCode	string	Our customer's client code (if resolved)
provider	string	"NPS"

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OnRequestToPayInitiated — value 2601

Fired when we send a pain.013 requesting payment from a customer at another bank.

Entity type: TransferRequest (102)

Payload field	Type	Source
messageType	string	"pain.013"
creditorAccountNumber	string	Our account expecting payment
debtorAccountNumber	string	Debtor account at other bank
amount	decimal	Requested amount
npsStatusCode	string	NPS synchronous response code
provider	string	"NPS"

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OnRequestToPayDecided — value 2602

Fired when our customer approves or rejects an inbound Request to Pay (pain.013) via internal decision.

Entity type: TransferRequest (102)

Payload field	Type	Source
messageType	string	"pain.014"
paymentInformationId	string	PmtInfId being decided
msgId	string	Original request message ID
decision	string	"approved" or "rejected"
reasonCode	string	Rejection reason code (empty if approved)
debtorAccountNumber	string	Our customer's account
debtorName	string	Debtor name
debtorBankCode	string	Our bank code
creditorAccountNumber	string	Creditor account
creditorName	string	Creditor name
creditorBankCode	string	Creditor bank code
amount	decimal	Amount from the original request
provider	string	"NPS"

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OnRequestToPayStatusReceived — value 2603

Fired when we receive a pain.014 response to a Request to Pay we sent — the other bank's customer has made a decision.

Entity type: TransferRequest (102)

Payload field	Type	Source
messageType	string	"pain.014"
originalPmtInfId	string	PmtInfId from our original pain.013
status	string	Decision status
provider	string	"NPS"

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EasyPay Events (pain.001 / pain.008 / pain.002)

OnBulkCreditTransferInitiated — value 2700

Fired when an EasyPay credit transfer (pain.001) is submitted to NPS.

Entity type: TransferRequest (102)

Payload field	Type	Source
messageType	string	"pain.001"
msgId	string	NPS MsgId assigned to this transfer
sessionId	string	Internal session reference
senderAccountNumber	string	Originator account
beneficiaryAccountNumber	string	Beneficiary account
beneficiaryName	string	Beneficiary name
amount	decimal	Transfer amount
provider	string	"NPS"

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OnBulkDirectDebitInitiated — value 2701

Fired when an EasyPay direct debit (pain.008) is submitted to NPS.

Entity type: TransferRequest (102)

Same payload structure as OnBulkCreditTransferInitiated, with messageType = "pain.008".

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OnBulkPaymentStatusReceived — value 2702

Fired when NPS returns a pain.002 payment status report for an EasyPay submission.

Entity type: TransferRequest (102)

Payload field	Type	Source
messageType	string	"pain.002"
originalMsgId	string	MsgId of the original pain.001 or pain.008
sessionId	string	Internal session reference
senderAccountNumber	string	Originator account
beneficiaryAccountNumber	string	Beneficiary account
beneficiaryBankCode	string	Destination institution code
status	string	Group payment status
reasonCode	string	NPS reason code
detail	string	Human-readable reason detail
amount	decimal	Amount
provider	string	"NPS"

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Account Report Events (camt)

OnAccountReportRequested — value 2800

Fired when we send a camt.060 account report request to another bank.

Entity type: None (0)

Payload field	Type	Source
messageType	string	"camt.060"
msgId	string	Our camt.060 MsgId
accountNumber	string	Account we are requesting a report for
reportType	string	"camt.052" or "camt.053"
beneficiaryBankCode	string	Institution we sent the request to
provider	string	"NPS"

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OnAccountReportRequestReceived — value 2801

Fired when another institution sends us a camt.060 requesting an account report.

Entity type: None (0)

Payload field	Type	Source
messageType	string	"camt.060"
msgId	string	Inbound camt.060 MsgId
accountNumber	string	Account being requested
senderBankCode	string	Institution that sent the request
reportType	string	"camt.052" or "camt.053"
clientCode	string	Client code of the account owner (if resolved)
provider	string	"NPS"

Example use case: Auto-generate the report in a background subprocess and send a camt.052/053 response.

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OnAccountReportReceived — value 2802

Fired when we receive a camt.052 intraday account report in response to a camt.060 we sent.

Entity type: None (0)

Payload field	Type	Source
messageType	string	"camt.052"
msgId	string	Inbound camt.052 MsgId
originalMsgId	string	MsgId of the camt.060 we sent
accountNumber	string	Account the report covers
senderBankCode	string	Institution that sent the report
entryCount	int	Number of transaction entries in the report
provider	string	"NPS"

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OnAccountStatementReceived — value 2803

Fired when we receive a camt.053 end-of-day statement in response to a camt.060 we sent.

Entity type: None (0)

Same payload structure as OnAccountReportReceived, with messageType = "camt.053".

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Configuring a Process Trigger

To react to any of the events above, create a process definition in the BPM Designer and set its start event to one of these trigger types.

Example — auto-approve small transfers:

process: auto-approve-small-nps-transfer
startEvent:
  trigger: OnOutboundTransferInitiated
  condition: "payload.amount < 50000 && payload.provider == 'nps'"
tasks:
  - name: "Approve transfer"
    type: ServiceTask
    action: "approveTransfer(payload.sessionId)"

Example — react to mandate acceptance:

process: notify-on-mandate-accepted
startEvent:
  trigger: OnMandateAcceptanceReceived
  condition: "payload.accepted == true"
tasks:
  - name: "Send notification"
    type: ServiceTask
    action: "sendSms(payload.debtorAccountNumber, 'Your direct debit mandate has been set up.')"

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Event Reference Table

Event	Value	Message	Direction	Entity
OnOutboundTransferInitiated	403	pacs.008 / nip	Outbound	TransferRequest (102)
OnOutboundTransferSettled	404	pacs.002	Inbound callback	TransferRequest (102)
OnOutboundTransferRejected	405	pacs.002	Inbound callback	TransferRequest (102)
OnInboundDirectDebitReceived	504	pacs.003	Inbound	InwardTransaction (14)
OnOutboundDirectDebitInitiated	505	pacs.003	Outbound	TransferRequest (102)
OnMandateInitiationReceived	2500	pain.009	Inbound	NibssMandate (311)
OnMandateInitiationSent	2501	pain.009	Outbound	NibssMandate (311)
OnMandateAcceptanceReceived	2502	pain.012	Inbound	NibssMandate (311)
OnMandateAmendmentReceived	2503	pain.010	Inbound	NibssMandate (311)
OnMandateAmendmentSent	2504	pain.010	Outbound	NibssMandate (311)
OnMandateCancellationReceived	2505	pain.011	Inbound	NibssMandate (311)
OnMandateCancellationSent	2506	pain.011	Outbound	NibssMandate (311)
OnMandateCollectionInitiated	2507	mandate.collection	Outbound	TransferRequest (102)
OnRequestToPayReceived	2600	pain.013	Inbound	TransferRequest (102)
OnRequestToPayInitiated	2601	pain.013	Outbound	TransferRequest (102)
OnRequestToPayDecided	2602	pain.014	Internal	TransferRequest (102)
OnRequestToPayStatusReceived	2603	pain.014	Inbound	TransferRequest (102)
OnBulkCreditTransferInitiated	2700	pain.001	Outbound	TransferRequest (102)
OnBulkDirectDebitInitiated	2701	pain.008	Outbound	TransferRequest (102)
OnBulkPaymentStatusReceived	2702	pain.002	Inbound callback	TransferRequest (102)
OnAccountReportRequested	2800	camt.060	Outbound	None (0)
OnAccountReportRequestReceived	2801	camt.060	Inbound	None (0)
OnAccountReportReceived	2802	camt.052	Inbound	None (0)
OnAccountStatementReceived	2803	camt.053	Inbound	None (0)