X-Request-IDstring(uuid)
Client-supplied correlation ID echoed in response headers for tracing.
EP-14 — Extract Message Party Addresses
Non-destructive address inventory. Returns format, XPath, XSD variant, raw address fields,
isMandatory, and complianceReady for every party address. Nothing processed or modified.
Primary endpoint for SR2026 pre-migration assessment.
Ideal for PMPG self-check framework (Grace Period Guide Section 11).
- isMandatory: uses sendingCountry and receivingCountry from context or channelProfile.
- complianceReady: evaluates against SR2026 rules (FULLY_STRUCTURED or HYBRID = true).
Processing precedence: channelProfile → processingOptions → context.
post
https://api-uat.ionova.ai/ars/extract-message-party-addresses
Headers
Body
Body
ExtractMessageRequest
EP-14 request. Extracts and inventories all party addresses in message.
channelNamestring
executionDatetimestring(date-time)
messageContentobject
messageXmlstring
processingOptionsobject
Per-request overrides of the channelProfile configuration. Only fields present
here override the corresponding channelProfile value. Fields absent here fall
through to channelProfile. This is NOT a general-purpose configuration block —
it only overrides values already set in channelProfile.
Show Child Parameters
contextobject
Provide sendingCountry and receivingCountry for accurate mandate assessment.
Show Child Parameters
includearray[string]
Response
Response
Extraction completed
ExtractMessageResponse
messageTypestring
ISO 20022 message type. R-transaction types (pain.002, pain.007, pacs.002,
pacs.004, camt.029, camt.052, camt.053, camt.054, camt.055, camt.056, camt.058, camt.110, camt.111) must be submitted to R-transaction endpoints only
(EP-07, EP-15). Submitting them to Check/Convert endpoints returns HTTP 422 (REG-06).
Allowed values:pain.001pain.002pain.007pain.008pacs.002pacs.003pacs.004pacs.008pacs.009pacs.010camt.029camt.052camt.053camt.054camt.055camt.056camt.057camt.058camt.060camt.105camt.106camt.107camt.108camt.109camt.110camt.111
schemestring
Payment scheme identifier.
Allowed values:SCTSCT_INSTSDD_CORESDD_B2BOCT_INSTCBPRPLUSCHAPST2EURO1FEDWIREOTHER
discoveredAddressesinteger
partyAddressesarray[object]
Show Child Parameters
timestampstring(date-time)
post/extract-message-party-addresses
Authentication
Headers
Body
{
"channelName": "MY_SEPA_SCT",
"executionDatetime": "2026-10-15T10:00:00Z",
"messageXml": "<Document>...</Document>",
"context": {
"sendingCountry": "DE",
"receivingCountry": "FR"
}
}
Layer 2 — Regulatory
R-transaction exemption assessment at message level.
EP-15 — R-Transaction Message Party Addresses
Message-level equivalent of EP-07. Submit a complete R-transaction message — ARS
auto-extracts originalExecutionDatetime from XML, evaluates EPC §8.3 exemption
for each address. No address ever modified.
Auto-extraction looks for OrgnlGrpInf/OrgnlCreDtTm and TxInf/OrgnlTxRef/IntrBkSttlmDt.
If exemptionApplicable is TRUE, all addresses accepted regardless of format.
Requires HTTP Message Signature in production.
Processing precedence: channelProfile → processingOptions → context.
post
https://api-uat.ionova.ai/ars/r-transaction-message-party-addresses
Headers
X-Request-IDstring(uuid)
Client-supplied correlation ID echoed in response headers for tracing.
Content-Digeststring
SHA-256 digest of the request body (RFC 9530). Required input for HTTP
Message Signature verification on this request. Optional in sandbox;
required in production for operations that mandate signing (see operation
description).
Signaturestring
HTTP Message Signature (RFC 9421) over the request, including the
Content-Digest header. Optional in sandbox; required in production for
operations that mandate signing (see operation description).
Signature-Inputstring
Signature metadata (RFC 9421) — identifies the signature algorithm,
covered components, and key identifier used to produce the Signature
header. Required whenever Signature is present.
Body
Body
RTransactionMessageRequest
EP-15 request. R-transaction exemption assessment for all addresses in message.
channelNamestring
originalExecutionDatetimestring(date-time)
Optional — ARS auto-extracts from message XML if not provided.
messageContentobject
messageXmlstring
processingOptionsobject
Per-request overrides of the channelProfile configuration. Only fields present
here override the corresponding channelProfile value. Fields absent here fall
through to channelProfile. This is NOT a general-purpose configuration block —
it only overrides values already set in channelProfile.
Show Child Parameters
contextobject
Analytics/audit passthrough AND processing fallback layer.
Fields labelled “Analytics + Processing fallback” are used as last-resort defaults
when both channelProfile and processingOptions leave a parameter unresolved.
Pure analytics fields are written to the ARS audit log but do not affect processing.
Processing precedence: channelProfile → processingOptions → context.
Show Child Parameters
Response
Response
R-transaction message assessment completed
RTransactionMessageResponse
decisionstring
Top-level processing decision.
Allowed values:ACCEPTREJECTPARTIAL_SUCCESS
messageTypestring
ISO 20022 message type. R-transaction types (pain.002, pain.007, pacs.002,
pacs.004, camt.029, camt.052, camt.053, camt.054, camt.055, camt.056, camt.058, camt.110, camt.111) must be submitted to R-transaction endpoints only
(EP-07, EP-15). Submitting them to Check/Convert endpoints returns HTTP 422 (REG-06).
Allowed values:pain.001pain.002pain.007pain.008pacs.002pacs.003pacs.004pacs.008pacs.009pacs.010camt.029camt.052camt.053camt.054camt.055camt.056camt.057camt.058camt.060camt.105camt.106camt.107camt.108camt.109camt.110camt.111
originalExecutionDatetimestring(date-time)
rTransactionContextobject
R-transaction exemption assessment result.
Show Child Parameters
discoveredAddressesinteger
resultsarray
Full address processing result object (used in EP-01 and all Layer 1 responses).
Show Child Parameters
statisticsobject
Processing statistics block returned on all endpoints.
Show Child Parameters
issuesarray[object]
Legacy issue object. Preserved for backward compatibility with v4.0 integrations.
New integrations should use reasons[] instead.
Show Child Parameters
timestampstring(date-time)
post/r-transaction-message-party-addresses
Authentication
Headers
Body
{
"channelName": "MY_SEPA_SCT",
"originalExecutionDatetime": "2026-10-01T08:00:00Z",
"messageXml": "<Document>...</Document>"
}
Layer 3 — Regulatory
Address mandate determination under EU Regulation 2023/1113.
EP-16 — Mandate Party Address
Answers: must this party provide an address for this transaction?
Based on payment scheme, party role, and EEA status of payer/payee PSPs
under EU Regulation 2023/1113.
Mandate rules:
- OCT Inst: payer address ALWAYS mandatory regardless of EEA status.
- SCT / SCT_INST / SDD_CORE / SDD_B2B: payer address mandatory only if either PSP
is in a non-EEA SEPA country. Payee address always optional. - 11 non-EEA SEPA countries: Andorra, UK, Gibraltar, Vatican City, Monaco,
San Marino, Switzerland, Saint-Pierre-et-Miquelon, Guernsey, Jersey, Isle of Man.
channelName is required — loads pspCountry, payerPspCountry, payeePspCountry, scheme defaults.
Processing precedence: channelProfile → processingOptions → context.
post
https://api-uat.ionova.ai/ars/mandate-party-address
Headers
X-Request-IDstring(uuid)
Client-supplied correlation ID echoed in response headers for tracing.
Body
Body
MandatePartyAddressRequest
EP-16 request. Address mandate determination for a single party.
Processing precedence: channelProfile → processingOptions → context.
channelNamestringrequired
Required. Name of a registered channelProfile. Loads pspCountry, payerPspCountry, payeePspCountry, scheme, schemeVersion.
processingOptionsobject
Per-request overrides — scheme, schemeVersion, payerPspCountry, payeePspCountry.
Show Child Parameters
contextobject
Provide sendingCountry/receivingCountry as fallback for EEA determination.
Show Child Parameters
Response
Response
Mandate determination completed
MandatePartyAddressResponse
partyRolestring
ISO 20022 party role. Determines the PostalAddress24 XSD variant:
- __2 variant (ultimate_debtor, ultimate_creditor, initiating_party):
TownName AND Country are MANDATORY. FULLY_UNSTRUCTURED is NEVER permitted (REG-05). - __1 variant (debtor, creditor):
Max 3 AddressLines. FULLY_UNSTRUCTURED is permitted until SR2026 cutover (2026-11-22T02:30:00Z) for INBOUND;
banned OUTBOUND post-cutover.
Allowed values:debtorcreditorultimate_debtorultimate_creditorinitiating_party
addressMandatoryboolean
TRUE if address is legally required for this transaction context.
reasonstring
Plain-English explanation of mandate determination.
ruleSourcestring
Regulatory reference (e.g. EU Regulation 2023/1113 Art 4, OCT Inst Rulebook §3.2).
post/mandate-party-address
Authentication
Headers
Body
{
"channelName": "MY_SEPA_SCT",
"processingOptions": {
"payerPspCountry": "CH",
"payeePspCountry": "DE"
},
"context": {
"partyRole": "debtor"
}
}