Frequently Asked Questions

Instant Payments (IP) are electronic money transfers that process and settle in real-time, 24 hours a day, 365 days a year, with immediate availability of funds to the recipient. Unlike traditional payment methods that can take 1-3 business days to clear, instant payments provide immediate transfer of funds.

Instant Payments are typically processed within seconds. Once submitted, the payment is validated, processed, and the funds are made available to the recipient almost immediately, regardless of the time of day or day of the week.

iDebit supports several ISO 20022 payment message types:

• pacs.008 - Customer Credit Transfer (for sending payments)
• pacs.004 - Payment Return (for returning payments)
• pacs.028 - Payment Status Request (for checking payment status)
• camt.056 - Payment Cancellation Request (for canceling payments)

iDebit has three main user roles with different access levels:

• Regular User - Can view basic forms, check payment status, and access their profile
• Manager - Has all Regular User permissions plus can initiate payments, returns, and cancellations
• Administrator - Has full system access, including user management, approvals, and system settings

After registration, new users must be approved by an Administrator before they can access the system. The approval process includes:

1. User registers with email and creates a password
2. Admin receives notification of pending approval
3. Admin approves the user and assigns appropriate role
4. User receives notification and completes their profile

This process ensures only authorized personnel at financial institutions can access the system.

Regular Users can access:

• Payment Status Request (pacs.028)
• Profile management
• Dashboard and reports (view-only)

Managers can additionally access:

• Customer Credit Transfer (pacs.008)
• Payment Return (pacs.004)
• Payment Cancellation Request (camt.056)

Administrators have full access to all forms plus:

• User management
• System settings
• Bank management (for global admins)

iDebit implements multiple layers of security:

• Encryption - All data is encrypted in transit using TLS protocol
• Authentication - Secure password policies with hashing and salting
• Authorization - Role-based access control limits user actions
• Token-based Security - JWT tokens for secure session management
• Activity Logging - Comprehensive audit trails of user actions

For security reasons, passwords must meet the following requirements:

• Minimum of 8 characters in length
• Contain at least one uppercase letter
• Contain at least one lowercase letter
• Contain at least one number
• Contain at least one special character

Passwords are never stored in plain text and are securely hashed in our database.

If you suspect any unauthorized access to your account or notice suspicious activity:

1. Change your password immediately
2. Contact your system administrator
3. Contact iDebit support at support@idebit.com
4. Document any suspicious transactions or activities you've noticed

To send an Instant Payment:

1. Navigate to the Banking Forms section
2. Select the "pacs.008 Customer Credit Transfer" form
3. Fill in the required information including debtor details, creditor details, and payment amount
4. Review all information carefully
5. Submit the form
6. A confirmation message will appear with the payment reference

Note: You must have Manager or Admin permissions to send payments.

To check payment status, you'll need:

• Original Message ID (the unique identifier assigned to the payment)
• Message Name ID (typically "pacs.008.001.08")
• Optionally, you can include the Bank Reference Number for more specific results

Use the "pacs.028 Payment Status Request" form to submit your inquiry.

Use the Payment Return form when you need to return funds that were sent in error or for other valid reasons, such as:

• Incorrect account information
• Suspected fraud
• Regulatory compliance issues
• Customer request for return

The form requires the original message ID, return reason code, and return amount. Additional information may be required for specific return reasons.

Payment Return (pacs.004): Used after a payment has been settled to return the funds from the recipient back to the sender.

Payment Cancellation (camt.056): Used to request cancellation of a payment that has been submitted but not yet settled or to initiate a return investigation.

In simple terms, cancellation is an attempt to stop a payment before it completes, while a return processes after the payment has been completed.

To update your profile:

1. Click on your name in the top navigation bar
2. Select "My Profile" from the dropdown menu
3. Click the "Edit Profile" button
4. Update your information
5. Click "Save Changes"

To change your password:

1. Click on your name in the top navigation bar
2. Select "My Profile" from the dropdown menu
3. Click the "Change Password" button
4. Enter your current password
5. Enter and confirm your new password
6. Click "Change Password"

If you forget your password:

1. Go to the login page
2. Click "Forgot Password"
3. Enter the email address associated with your account
4. Check your email for password reset instructions
5. Follow the link in the email to create a new password

The password reset link expires after 1 hour for security purposes.

An account may be locked after multiple failed login attempts or by administrator action. If your account is locked:

1. Wait 15 minutes before trying to log in again
2. Use the "Forgot Password" feature to reset your password
3. If you still cannot access your account, contact your administrator or the iDebit support team at support@idebit.com