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Treasury and Trade SolutionsDetailed Payment Status onCitiDirect BE and ProactivePayment Status NotificationsImproved User Experience. Benefit fromNew Real-Time Status.Frequently Asked QuestionsNow Available: Real-time status tracking for funds transfers originated from the United States,the United Kingdom, Germany, the Netherlands, Belgium, Austria, Ireland, France, Australia,New Zealand, Bangladesh, Singapore, Denmark, Finland, Norway, Sweden, Spain, Jersey, Greeceand Luxembourg.Where aredetailed statusesand sub-statusesavailable?Currently, CitiDirect BE users are able to see real-time, detailed payment sub-statuses onCitiDirect BE for wire payment transactions originated from:United StatesUnited ceAustraliaNew enSpainJerseyGreeceLuxembourgThe goal is to provide transparency and real-time tracking so that CitiDirect BE users willknow the status of a transaction at any time just by logging into CitiDirect BE.Where will CitiDirect BEusers see the newreal-time paymentstatuses andsub-statuses?CitiDirect BE users can access CitiDirect from around the world to track wire paymentsstatuses. You will see real-time payment status and sub-statuses on CitiDirect’s PaymentModule. Here’s how: As you can see in the screenshot below, simply log onto CitiDirectBE and navigate to CitiDirect Services. From CitiDirect Services navigate to “MyTransactions & Services” and then select “View All” under “Payment Initiation.”
Treasury and Trade SolutionsWhere will CitiDirect BEusers see the newreal-time paymentstatuses andsub-statuses? (contd.)CitiDirect BE users will then see all the transactions on the screen. “Status” and “SubStatus” will appear as two separate columns. Users may need to refresh the screenperiodically to show the next status and/or sub-status to which those transactionshave progressed.Users can also search for the transaction by using the Search option.Please note: users can also subscribe for proactive payment status notifications forpending, rejected or returned payments.
Treasury and Trade SolutionsWhat are thestatuses? And whatdo they mean?The table below shows all the possible status and sub-status designations that CitiDirectBE users will see from the time the payment request is submitted until the transaction is“Processed” or “Rejected” or “Returned.” CitiDirect BE users will see one combination ofstatus and sub-status at each point in time during the transaction processing, and bothstatuses and sub-statuses will be updated in real time as the payment transaction movesthrough the cycle.CitiDirect StatusCitiDirect Sub-StatusCitiDirect Sub-Status DescriptionCB AcceptedReceived forCiti processingThe payment was received andsuccessfully handed off for processing.CB PendingSent to exceptionprocessingRequires manual handling to expeditefurther processing. Might require sometype of repair.CB PendingSent for balance check Completed account and compliancevalidations and is sent to check availablebalance or credit.CB PendingHeld for fundingDue to insufficient balance, balancecheck will keep retrying until sufficientbalance is available.CB PendingReady for releasefor value dateSuccessfully completed initial validations.Will be released when the value dateis reached.CB PendingRescheduled to nextavailable value dateCould not complete processing onvalue date and has been rolled over fornext-day processing.CB PendingSent to clearingsystemCompleted all validations and has beendelivered to the local clearing systemfor settlement.CB PendingReturned at clearingsystem attemptingto repairThe payment failed to settle at the localclearing system. Citi is reviewing thepayment for repair.CB PendingAdvice sent tobeneficiary bankAn advice with payment info is sent tothe beneficiary bank advising a paymentwill post.ProcessedSettled at clearingSystemCiti has received the acknowledgementthat the payment has successfully settledat clearing system.ProcessedBeneficiary accountcredited at CitiThe payment has successfully settledacross Citi books and the beneficiaryaccount has been credited.ProcessedPayment sent tocorrespondent/beneficiary bankCompleted processing and Citi generatedoutbound payment to correspondent/beneficiary bank.
Treasury and Trade SolutionsWhat are thestatuses? And what dothey mean? (contd.)CitiDirect StatusCitiDirect Sub-StatusCitiDirect Sub-Status DescriptionCB RejectedBlocked OriginatorAccountOriginator account blocked — prohibitingposting of transactions.CB RejectedTransaction ForbiddenTransaction could not be applied.CB RejectedInsufficient FundsInsufficient funds in originator account.CB RejectedDuplicate PaymentDuplicate payment.CB RejectedInconsistent WithEnd CustomerBeneficiary name and accountdo not match.CB RejectedMissing CreditorAddressMissing or incorrect beneficiary address.CB RejectedUnrecognizedInitiating PartyParty who initiated the payment is notrecognized by the beneficiary.CB RejectedMissing DebtorAddressMissing or incorrect originator address.CB RejectedIncorrect CurrencyPayment sent with incorrect currency.CB RejectedRequestedBy CustomerCancellation requested by the remitter.CB RejectedInvalid DateInvalid date (e.g., wrong settlement date).CB RejectedBalance Info RequestBalance of payments complementary infois requested.CB RejectedSettlement FailedSettlement failed.CB RejectedMissing MandatoryInformationIn MandateMandate related information data requiredby the scheme is missing.CB RejectedBank IdentifierIncorrectBank Identifier code specified in themessage has an incorrect format.CB RejectedNot UniqueTransaction ReferenceTransaction reference is not uniquewithin the message.CB RejectedMissing DebtorAccount orIdentificationMissing originator account oridentification.CB RejectedMissing DebtorName or AddressMissing originator name or address.CB RejectedMissing CreditorName or AddressMissing beneficiary name or address.CB RejectedRegulatory ReasonRegulatory reason.
Treasury and Trade SolutionsWhat are thestatuses? And what dothey mean? (contd.)CitiDirect StatusCitiDirect Sub-StatusCitiDirect Sub-Status DescriptionCB RejectedSpecific Serviceoffered byDebtor AgentDue to originator bank accountconfiguration.CB RejectedSpecific Serviceoffered by CreditorAgentDue to beneficiary bank accountconfiguration.CB RejectedMissed Cut-Off TimeMissed cut-off time.CB RejectedReject reasonnot specifiedReject reason not specified.ReturnedDue to BeneficiaryBank AccountConfigurationDue to beneficiary bank accountconfiguration.ReturnedIncorrect BeneficiaryAccount NumberBeneficiary account number is formattedincorrectly.ReturnedClosed BeneficiaryAccount NumberBeneficiary account number is closed.ReturnedBlocked OriginatorAccountOriginator account blocked — prohibitingposting of transactions.ReturnedTransaction ForbiddenTransaction could not be applied.ReturnedBlocked AmountAmount of funds available to coverspecified message amount is insufficient.ReturnedWrong AmountAmount received is not the amountagreed or expected.ReturnedInvalid Control SumSum of instructed amounts does not equalthe control sum.ReturnedInconsistent withEnd CustomerBeneficiary name and accountdo not match.ReturnedMissing CreditorAddressMissing or incorrect beneficiary address.ReturnedParty Who Initiatedthe Payment is notRecognized by theBeneficiaryParty who initiated the payment is notrecognized by the beneficiary.ReturnedUnknown EndCustomerEnd customer specified is not known atassociated Sort/National Bank Code orno longer exists in the books.ReturnedMissing or IncorrectOriginator AddressMissing or incorrect originator address.ReturnedIncorrect CurrencyPayment sent with incorrect currency.ReturnedRequested BYCustomerCancellation requested by the remitter.
Treasury and Trade SolutionsWhat are thestatuses? And what dothey mean? (contd.)CitiDirect StatusCitiDirect Sub-StatusCitiDirect Sub-Status DescriptionReturnedInvalid DateInvalid date (e.g., wrong settlement date).ReturnedUnsuccessfulCorrespondent/BeneBank ValidationUnsuccessful Correspondent/Bene Bankvalidation such as invalid SWIFT ID orincorrect Clearing Code.ReturnedRegulatory ReasonRegulatory reason.ReturnedBalance of paymentscomplementary info isrequestedBalance of payments complementary infois requested.ReturnedSettlement FailedSettlement failed.ReturnedNo MandateNo Mandate.ReturnedMissing MandatoryInformationIn MandateMandate related information data requiredby the scheme is missing.ReturnedRefund RequestBy End CustomerReturn of funds requested by endcustomer.ReturnedEnd CustomerDeceasedEnd Customer is Deceased.ReturnedNot Specified ReasonCustomer GeneratedReason has not been specified by endcustomer.ReturnedNot Specified ReasonAgent GeneratedReason has not been specified by agent.ReturnedReject reasonnot specifiedReject reason not specified.ReturnedBank identifierIncorrectBank Identifier code specified in themessage has an incorrect format(formerly Incorrect Format ForRouting Code).ReturnedNot UniqueTransaction ReferenceTransaction reference is not unique withinthe message.ReturnedMissing DebtorAccount orIdentificationSpecification of the debtor's account orunique identification needed for reasonsof regulatory requirements is insufficientor missing.ReturnedMissing DebtorName or AddressMissing originator name or address.ReturnedMissing CreditorName or AddressMissing beneficiary name or address.ReturnedMissed Cut-Off TimeMissed cut-off time.ReturnedDuplicate PaymentDuplicate payment.
Treasury and Trade SolutionsWhat are thestatuses? And what dothey mean? (contd.)CitiDirect StatusCitiDirect Sub-StatusCitiDirect Sub-Status DescriptionReturnedToo Low AmountSpecified transaction amount is less thanagreed minimum.ReturnedZero AmountSpecified message amount is equalto zero.ReturnedDue to originator bankaccount configurationDue to originator bank accountconfiguration.ReturnedBank IdentifierIncorrectBank Identifier code specified in themessage has an incorrect format.ReturnedNot Allowed AmountSpecific transaction/message amount isgreater than allowed maximum.ReturnedIncorrect CurrencySpecified message amount is anon-processable currency outsideof existing agreement.ReturnedInsufficient FundsInsufficient funds in originator account.Status descriptions at the bottom of the preview pane:When users click one of the transactions on the “View All” screen, they can view moreinformation about that transaction in the preview pane at the bottom of the screen, asusual. The last line in the preview pane will display the description of the payment statusfor the highlighted transaction.How long does it typicallytake for a paymentto go through theentire cycle?The entire payment cycle varies depending on the type of transaction and the systemsthat it goes through. It might take anywhere from a few minutes to a few days for apayment transaction to be processed or rejected. Cross-Border Funds Transfer cantake up to three business days for the beneficiary to receive the credit.Whom should I contactwith questions?For further questions: Please contact your designated Citi Account Manager or ServiceRepresentative. You can find Local Service contacts on CitiDirect Online Banking byaccessing the “Contacts” link from the homepage.
Treasury and Trade SolutionsWill all payments show theenhanced sub-statuses?CitiDirect BE users will see the new sub-statuses for their payments that meet ALL OFTHE FOLLOWING THREE CRITERIA:1) Payments that are originated from an account domiciled in:United StatesUnited ceAustraliaNew enSpainJerseyGreeceLuxembourg2) Ad hoc payment requests that are initiated on CitiDirect or files uploaded via CitiDirect(such as Citi File Exchange and Citi Swift Exchange ). The new sub-statuses donot apply to payments that are initiated via other channels, including SWIFT viaCitiSwitch , since those payments are not reported on CitiDirect.3) Wire payments that belong to one of the following categories: Book Transfer Cross-Border and Domestic Funds Transfer The detailed sub-statuses do not apply to ACH and Checks transactions at this time.What is Proactive PaymentStatus Notificationscapability?This capability gives CitiDirect BE users the option to subscribe for email or/and SMSnotifications about their payment status changes from CitiDirect BE, instead of callingService representative or logging into CitiDirect BE.Does a user have to be anactive mobile user tosubscribe for PaymentStatus alerts?No, all users can receive payment status notifications even if they are not enabled forCitiDirect BE Mobile.How can users subscribefor Proactive PaymentStatus Notifications?Security Administrator can subscribe users for Payment Status Notifications throughMobile & Tablet User Management access setup.To begin the user set up, Security Administrator should select “Mobile & Tablet UserManagement” under “User Administration” dropdown. Security Administrator then should make a selection of user that belongs to the selectedclient that needs the setup. Also, the look up will display only users that are not alreadyset up for notifications. It is possible to select multiple users on the Input/Modify, Authorization Req’d and Viewtabs in order to improve the efficiency of granting and adjusting user entitlements.Highlight multiple users and select “Go to details.” It will be possible to click “Next” atthe bottom of the screen, which will save changes and move to the next selected user.
Treasury and Trade SolutionsHow can users subscribefor Proactive PaymentStatus Notifications?(contd.) To set up new notifications preferences for Payments Status Notifications, SecurityAdministrator should click on the New button on the summary grid. The popup page willopen up. Select “Payments” under “Services” and required statuses under “Processes.”
Treasury and Trade SolutionsHow can users subscribefor Proactive PaymentStatus Notifications?(contd.)What payment statusesare supported forProactive PaymentStatus Notifications? CB Rejected Returned Pending with the following sub-statuses:––Sent to Exception Processing (sent to repair for manual handling)––Held for funding––Rescheduled to next available value date (rolled over for next day processing)––Sent for FX ConversionDoes Citi charge forProactive PaymentStatus Notifications?Are emails delivered asregular emails or assecured messages?Can user select multipleemail ID’s to deliveremail notifications?No, Citi does not charge for this service.Emails are delivered as regular emails.The user can select up to two email ID’s which must end with “.com” in orderto be supported.
Treasury and Trade SolutionsWhat languages areemail notificationsavailable in?What details will SMSnotification provide?Email alerts are available in English, Polish, Turkish and Italian.SMS notification will provide the beneficiary name, amount, currency, value date andpayment status.Due to the limitation of the allowed number of SMS characters, we are not passing thepayment sub-status or description through the SMS notification.What details will emailnotification provide?Email notification will provide the beneficiary name, masked beneficiary account number,amount, currency, value date, payment status and sub-status.Treasury and Trade Solutionsciti.com/treasuryandtradesolutions 2015 Citibank, N.A. All rights reserved. Citi and Arc Design, CitiDirect and CitiDirect BE are registeredservice marks of Citigroup Inc. All other trademarks are the property of their respective owners.1377261 GTS06236 11/15
Citi processing The payment was received and successfully handed off for processing. CB Pending Sent to exception processing Requires manual handling to expedite further processing. Might require some type of repair. CB Pending Sent for balance check Completed account and compliance validations and is sent to check available balance or credit.
