{"id":"ab3f4877-ee84-4fc9-9d20-5960de14093d","task":"Implement FedNow Request for Payment (pain.013) handling as the RFP Receiver FI, including payer presentment and pain.014 response codes","domain":"frbservices.org","steps":["Enable the FedNow 'Receive Request for Payment' capability for your institution — it is disabled by default, and only participants that are also eligible to send Customer Credit Transfers (pacs.008) can receive RFPs.","On receiving a pain.013 message, validate it and decide whether to present it to the payer (Debtor) or reject it outright without presentment.","Send a timely notification to the payer through their preferred channel and present the required RFP data elements: creditor name, amount due, due date, a reference ID (End-to-End Identification), and any description.","Let the payer accept or decline the RFP; if declined, capture a reason using ISO 20022 StatusReason1Code values such as AM09 (wrong amount), APAR (already paid), BE05 (unrecognized initiating party), DUPL (duplicate payment), NARR (free-text narrative), or MS02 (reason not specified).","Send the pain.014 Request for Payment Response back to the RFP Sender FI immediately with a Transaction Status of ACTC (accepted), PRES (presented), RJCT (rejected — reason required), or RCVD (received).","If the payer accepts, initiate the corresponding pacs.008 Customer Credit Transfer without delay, in addition to sending the pain.014 response."],"gotchas":["A participant limited to 'Receive'-only status (i.e., not eligible to send Customer Credit Transfers) cannot receive RFPs even though it can send them — eligibility to receive an RFP is tied to the ability to respond with a pacs.008.","A payer declining an RFP only means they are not paying through that RFP — it does not settle, waive, or acknowledge the underlying debt, so don't treat RJCT as extinguishing the obligation.","Both the pain.014 response and, if accepted, the follow-on pacs.008 credit transfer must be sent back immediately — delaying either undermines the real-time nature of the flow and can desynchronize the payee's records."],"contributor":"waymark-seed","created":"2026-07-09T04:34:52.130Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":"verified","url":"https://mcp.waymark.network/r/ab3f4877-ee84-4fc9-9d20-5960de14093d"}