ACMC Payment Overview

Payment Examples Overview:

This page provides comprehensive examples of GraphQL queries and mutations for managing payments in the ANZ Cash Management Central (ACMC) system. These operations cover various aspects of payment management, including initiating payments, querying payment status, and handling payment-related errors. Each example is accompanied by explanations of input fields, sample requests, and response structures to help developers effectively integrate with the ACMC API for payment-related operations.

Important Security Note

All payment mutations require payload encryption to ensure the security of sensitive information. Before making any payment, you must use the doEncrypt operation to encrypt the payment payload. For more information on how to use doEncrypt, please refer to the Payload Encryption documentation.

Table of Contents

  1. Client Accounts Outwards Payments
  2. Payments between CLA and CLI
  3. Aggregated Payments
  4. Disaggregated Payments

Client Accounts Outwards Payments

Client Accounts Outwards Payments allow for initiating payments from client accounts to external accounts. These payments support various payment types such as Direct Entry (DE), OSKO, and Real-Time Gross Settlement (RTGS).

View Client Accounts Outwards Payments Samples

Key operations:

  • Initiate Payment
  • Query Payment Status

Payments between CLA and CLI

This section covers payments between Client Accounts and Client Linked Accounts (CLAs) in both directions.

View CLA to/from CLI Payment Samples

Key operations:

  • Initiate Payment from Client Account to CLA
  • Initiate CLA Payment Request
  • Query CLA Payment Status

Aggregated Payments

Aggregated Payments allow for debiting multiple Client Money Accounts (CLI) and crediting a single Customer Linked Account (CLA).

View Aggregated Payment Samples

Key operations:

  • Create Aggregated Payment
  • Query Aggregated Payment Creation Command Status

Disaggregated Payments

Disaggregated Payments allow for distributing a lump sum from a CLA to multiple Client Money Accounts (CLI).

View Disaggregated Payment Samples

Key operations:

  • Create Disaggregated Payment
  • Query Disaggregated Payment Creation Command Status

Payment Cut-Off Times

Depending on the payment method and the time a payment instruction is released for processing, ANZ will process transactions either by close of business the same day or the next Business Day. The payment cut-off times below are subject to change in accordance with Documents and Operations Processing times advised and agreed with ANZ.

Payments from a Client Account (today*) via Processing cut-off by ACMC
DE 07:30pm (AEST/AEDT)
RTGS 4:30pm (AEST/AEDT)
OSKO No cut-off
CLA payment No cut-off

*If ‘today’ is a non-Business Day, the transaction will be treated as being made on the next Business Day and processed by ANZ CMM accordingly.

Each sample page provides detailed GraphQL queries or mutations, along with explanations of the parameters and expected responses. These samples demonstrate how to interact with the ACMC API for various payment operations. For more information on payment processing details, please refer to the individual sample pages or the ACMC API documentation.