{
  "service": "Creditcrest Payments",
  "version": "1.0.0",
  "not_a_decision": "These are payment instructions and records built from what the lender supplied. They move no money and send nothing to any bank; whether to debit, pay or pursue a borrower is the lender’s decision. Creditcrest Technologies is not a credit provider, is not a credit assistance provider, and does not hold an Australian credit licence. Its software produces evidence; the licensee makes the decision.",
  "stores": "nothing",
  "sources": {
    "aba": {
      "cite": "BECS direct entry (ABA / Cemtex) file format",
      "urls": [
        "https://www.cemtexaba.com/aba-format/cemtex-aba-file-format-details/",
        "https://www.nab.com.au/content/dam/nab/documents/guides/banking/nab-direct-link-australian-direct-entry-payments-and-dishonour-report.pdf"
      ],
      "read": "2026-09-26"
    },
    "returns": {
      "cite": "BECS return reason codes (return record type 2, position 18)",
      "urls": [
        "https://www.nab.com.au/content/dam/nab/documents/guides/banking/nab-direct-link-australian-direct-entry-payments-and-dishonour-report.pdf"
      ],
      "read": "2026-09-26"
    }
  },
  "transaction_codes": {
    "13": "Debit Items",
    "50": "Credit Items",
    "51": "Australian Government Security Interest",
    "52": "Basic Family Payments/Additional Family Payment",
    "53": "Pay",
    "54": "Pension",
    "55": "Allotment",
    "56": "Dividend",
    "57": "Debenture/Note Interest"
  },
  "return_codes": {
    "1": {
      "says": "Invalid BSB number",
      "authorityEnded": false,
      "payerCancelled": false,
      "fix": "The lender’s record of the BSB is wrong; correct it before debiting again."
    },
    "2": {
      "says": "Payment stopped",
      "authorityEnded": true,
      "payerCancelled": true,
      "fix": "The payer stopped the payment. Do not debit again under this authority."
    },
    "3": {
      "says": "Account closed",
      "authorityEnded": true,
      "payerCancelled": false,
      "fix": "The account is closed. A new authority over another account is needed."
    },
    "4": {
      "says": "Customer deceased",
      "authorityEnded": true,
      "payerCancelled": false,
      "fix": "Stop debiting. This is a deceased estate matter, not arrears."
    },
    "5": {
      "says": "No account or incorrect account number",
      "authorityEnded": false,
      "payerCancelled": false,
      "fix": "The account number on record is wrong; confirm it with the borrower."
    },
    "6": {
      "says": "Refer to customer",
      "authorityEnded": false,
      "payerCancelled": false,
      "fix": "Usually insufficient funds; the bank gives no more. Contact the borrower before debiting again."
    },
    "8": {
      "says": "Invalid User ID Number",
      "authorityEnded": false,
      "payerCancelled": false,
      "fix": "The lender’s APCA user id was wrong on the file — the lender’s error, not the borrower’s."
    },
    "9": {
      "says": "Technically invalid",
      "authorityEnded": false,
      "payerCancelled": false,
      "fix": "The record was malformed — the lender’s error, not the borrower’s."
    }
  },
  "endpoints": {
    "POST /v1/payments/aba": "{header, trace, remitter, items, balance?} — a BECS direct entry file, or the reasons it was refused",
    "POST /v1/payments/debits": "{on, accounts: [{reference, terms, events, authority}]} — the debits to raise on a day",
    "POST /v1/payments/return": "{payment, code, on} — a returned debit as ledger events and conduct",
    "POST /v1/payments/payto": "{events: [{to, on, by}]} — a PayTo agreement replayed",
    "POST /v1/payments/reconcile": "{expected, settled}",
    "POST /v1/payments/payouts": "{contracts: [{reference, state, amount, payee, nameCheck}]}"
  }
}