Online FAST response messages

This method allows for the inclusion of balance updates in the FAST response messages.

These updates are provided through additional balance fields specified within the FAST response.

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This feature is optional; thus, if the balance is included in the FAST response, it will be used to revise the account balance accordingly.

However, if the balance is not included in the FAST response, the existing balance in our system will remain unchanged and continue to be used as the basis for further transactions.

This flexible approach ensures that balance updates can be seamlessly integrated when available, while maintaining continuity in transaction processing when not provided.

Shadow balance fields in FAST response

The SHADOW field is an optional field present in the JSON payload. It encapsulates additional financial information related to the transaction and account balances on the client side which will later help Banking.Live to perform STIP on your behalf.

Structure

The SHADOW field is a nested object containing the following properties:

*The primary reason for receiving an array is to update or sync other currency accounts associated with the token. You are required to send the balance for the currency used during the transaction.

Providing balances for other accounts is optional and is used for synchronization purposes. (You can also call the Update Account Balance API to sync balances.)

Available balance calculation

The available balance should be calculated as the sum of the actual and blocked balances . Therefore, you must ensure that you provide both positive and negative amounts in the actual and blocked balances fields to calculate the available balance accurately.

For example, if actual balance is 1000.00 and blocked balance is -600.00, the available balance will be 400.00.

Optional field

The presence of the SHADOW field is not mandatory in the JSON payload. If this field is not included, the transaction processing flow remains unaffected, and the system processes the transaction as usual.

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The SHADOW field is only utilized when the product is configured with STIP functionality.

Validation

If the SHADOW field is present, it must contain all the specified properties with non-null values. The balances array must include at least one balance object with all required properties (actual, blocked, currency).

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Failure to include any of these properties or providing a null value for any property will result in using our current system default behavior, i.e., using previously stored data and will not update any balances.

FAST response sample with balance fields

{
    "Message_Type": "0110",
    "RID": 83363,
    "TID": 11791,
    "DE2": "476368472",
    "DE4": "000000000100",
    "DE6": "000000000100",
    "DE7": "0516063159",
    "DE11": "000006",
    "DE38": "109494",
    "DE39": "00",
    "SHADOW": {
        "balances": [
            {
                "actual": 1000.00,
                "blocked": -600.00,
                "currency": "840"
            }
        ],
        "amount": 100,
        "creditDebitIndicator": "DEBIT",
        "currency": "840"
    }
}

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Best practices

For more information on how to best use online FAST response messages for balance listing, you can refer to our Balance listing - Best practices.