--- title: "EP-15 — R-Transaction Message Party Addresses" url: "https://dev.ionova.ai/apis/ars-address-resolution-service-4/versions/fdd2c316-7f84-4f04-8bb7-64e9bf97893b/operations/rTransactionMessagePartyAddresses" --- > Full API specification: https://dev.ionova.ai/apis/ars-address-resolution-service-4/versions/fdd2c316-7f84-4f04-8bb7-64e9bf97893b.md # EP-15 — R-Transaction Message Party Addresses `POST` `/r-transaction-message-party-addresses` Operation ID: `rTransactionMessagePartyAddresses` 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. ## Header parameters - `X-Request-ID` (string, uuid, optional) - Client-supplied correlation ID echoed in response headers for tracing. - `Content-Digest` (string, optional) - 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). - `Signature` (string, optional) - 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-Input` (string, optional) - Signature metadata (RFC 9421) — identifies the signature algorithm, covered components, and key identifier used to produce the Signature header. Required whenever Signature is present. ## Request body (required) Content types: `application/json`, `application/xml` ## Responses - `200` - R-transaction message assessment completed - `400` - Bad Request — malformed request body or invalid parameter. - `401` - Unauthorized — missing or invalid authentication credentials. - `422` - Unprocessable Entity — semantic validation failure (e.g. R-transaction type submitted to a non-R endpoint). - `429` - Too Many Requests — rate limit exceeded. - `500` - Internal Server Error — unexpected server-side failure. ## OpenAPI definition ```yaml openapi: 3.0.3 info: title: ARS — Address Resolution Service version: 4.3.1 servers: - url: https://api-uat.ionova.ai/ars description: UAT (test data only) paths: /r-transaction-message-party-addresses: post: tags: - Layer 2 — Regulatory summary: EP-15 — R-Transaction Message Party Addresses description: > 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. operationId: rTransactionMessagePartyAddresses parameters: - $ref: "#/components/parameters/XRequestId" - $ref: "#/components/parameters/ContentDigest" - $ref: "#/components/parameters/Signature" - $ref: "#/components/parameters/SignatureInput" requestBody: required: true content: application/json: schema: $ref: "#/components/schemas/RTransactionMessageRequest" example: channelName: MY_SEPA_SCT originalExecutionDatetime: 2026-10-01T08:00:00Z messageXml: ... application/xml: schema: $ref: "#/components/schemas/RTransactionMessageRequest" example: > MY_SEPA_SCT 2026-10-01T08:00:00Z ...]]> responses: "200": description: R-transaction message assessment completed headers: Content-Digest: $ref: "#/components/headers/ContentDigestResp" Signature: $ref: "#/components/headers/SignatureResp" Signature-Input: $ref: "#/components/headers/SignatureInputResp" content: application/json: schema: $ref: "#/components/schemas/RTransactionMessageResponse" application/xml: schema: $ref: "#/components/schemas/RTransactionMessageResponse" example: > ACCEPT pacs.004 2026-10-01T08:00:00Z true 2026-11-22T02:30:00Z true 2 2026-10-15T10:30:00Z "400": $ref: "#/components/responses/BadRequest" "401": $ref: "#/components/responses/Unauthorized" "422": $ref: "#/components/responses/UnprocessableEntity" "429": $ref: "#/components/responses/TooManyRequests" "500": $ref: "#/components/responses/InternalServerError" security: - ApiKeyAuth: [] security: - ApiKeyAuth: [] components: parameters: XRequestId: name: X-Request-ID in: header required: false schema: type: string format: uuid description: Client-supplied correlation ID echoed in response headers for tracing. ContentDigest: name: Content-Digest in: header required: false schema: type: string description: > 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). Signature: name: Signature in: header required: false schema: type: string description: | 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). SignatureInput: name: Signature-Input in: header required: false schema: type: string description: | Signature metadata (RFC 9421) — identifies the signature algorithm, covered components, and key identifier used to produce the Signature header. Required whenever Signature is present. schemas: RTransactionMessageRequest: type: object xml: name: RTransactionMessageRequest description: EP-15 request. R-transaction exemption assessment for all addresses in message. properties: channelName: type: string originalExecutionDatetime: type: string format: date-time description: Optional — ARS auto-extracts from message XML if not provided. messageContent: type: object messageXml: type: string processingOptions: $ref: "#/components/schemas/ProcessingOptions" context: $ref: "#/components/schemas/Context" RTransactionMessageResponse: type: object xml: name: RTransactionMessageResponse properties: decision: $ref: "#/components/schemas/Decision" messageType: $ref: "#/components/schemas/MessageType" originalExecutionDatetime: type: string format: date-time rTransactionContext: $ref: "#/components/schemas/RTransactionContext" discoveredAddresses: type: integer results: type: array items: $ref: "#/components/schemas/MessageAddressResult" statistics: $ref: "#/components/schemas/Statistics" issues: type: array items: $ref: "#/components/schemas/Issue" timestamp: type: string format: date-time ProcessingOptions: type: object xml: name: ProcessingOptions description: > 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. properties: scheme: allOf: - $ref: "#/components/schemas/SchemeCode" description: Per-request override of channelProfile.scheme. schemeVersion: allOf: - $ref: "#/components/schemas/SchemeVersion" description: Per-request override of channelProfile.schemeVersion. SR2025 or SR2026. quality: allOf: - $ref: "#/components/schemas/Quality" description: Per-request override of channelProfile.quality. verification: type: boolean description: Per-request override. When false, skips postal DB lookup. Forced false for Basic quality. detectMisplacedIdentifiers: type: boolean description: Per-request override. When true, flags BIC/LEI/IBAN found in AddressLine (R-04). validateNameContent: type: boolean description: Per-request override. When true, checks for party name duplication in address lines (R-05). redaction: type: string enum: - NONE - PARTIAL - FULL description: Per-request override. PII redaction level applied to response address fields. targetFormat: allOf: - $ref: "#/components/schemas/TargetFormat" description: Per-request override of channelProfile default targetFormat. repairConfidenceThreshold: type: number minimum: 0 maximum: 1 description: Per-request override of channelProfile.repairConfidenceThreshold (0.0–1.0). payerPspCountry: type: string pattern: ^[A-Z]{2}$ description: Per-request override of channelProfile.payerPspCountry. ISO 3166-1 alpha-2. payeePspCountry: type: string pattern: ^[A-Z]{2}$ description: Per-request override of channelProfile.payeePspCountry. ISO 3166-1 alpha-2. Context: type: object xml: name: Context description: > 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. properties: name: type: string description: Analytics only. ISO 20022 party name used for entity conflict detection. scheme: allOf: - $ref: "#/components/schemas/SchemeCode" description: Analytics + Processing fallback. Payment scheme. schemeVersion: allOf: - $ref: "#/components/schemas/SchemeVersion" description: Analytics + Processing fallback. SR2025 or SR2026. Controls post-cutover enforcement. executionDatetime: type: string format: date-time description: Analytics + Processing fallback. Payment execution datetime in ISO 8601 UTC. Used for SR2026 cutover enforcement (cutover = 2026-11-22T02:30:00Z). direction: allOf: - $ref: "#/components/schemas/Direction" description: Analytics + Processing fallback. OUTBOUND | INBOUND. partyRole: allOf: - $ref: "#/components/schemas/PartyRole" description: Analytics + Processing fallback. Party role for this request. outputMode: allOf: - $ref: "#/components/schemas/OutputMode" description: Analytics + Processing fallback. Address line rendering constraints. sendingCountry: type: string pattern: ^[A-Z]{2}$ description: Analytics + Processing fallback. Country of the sending PSP (ISO 3166-1 alpha-2). receivingCountry: type: string pattern: ^[A-Z]{2}$ description: Analytics + Processing fallback. Country of the receiving PSP. messageType: allOf: - $ref: "#/components/schemas/MessageType" description: Analytics + Processing fallback. ISO 20022 message type. timezone: type: string description: Analytics + Processing fallback. IANA timezone for executionDatetime evaluation. inputFormat: allOf: - $ref: "#/components/schemas/AddressFormat" description: Analytics only. Format of the originating input. outputFormat: allOf: - $ref: "#/components/schemas/AddressFormat" description: Analytics only. Expected output format. source: type: string description: Analytics only. Sending system identifier (e.g. PAYMENT_HUB, SWIFT_ALLIANCE). sender: type: string description: Analytics only. BIC of the sending institution. receiver: type: string description: Analytics only. BIC of the receiving institution. paymentMethod: type: string description: Analytics only. Payment method for audit reporting. channel: allOf: - $ref: "#/components/schemas/ChannelType" description: Analytics only. Delivery channel for audit. application: type: string description: Analytics only. Caller application identifier. reference: type: string description: Analytics only. Business reference for audit trail (e.g. payment ID, batch ID). partyType: type: string enum: - COMPANY - INDIVIDUAL description: Analytics only. Whether the party is a company or individual. Decision: type: string description: Top-level processing decision. enum: - ACCEPT - REJECT - PARTIAL_SUCCESS MessageType: type: string description: > 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). enum: - pain.001 - pain.002 - pain.007 - pain.008 - pacs.002 - pacs.003 - pacs.004 - pacs.008 - pacs.009 - pacs.010 - camt.029 - camt.052 - camt.053 - camt.054 - camt.055 - camt.056 - camt.057 - camt.058 - camt.060 - camt.105 - camt.106 - camt.107 - camt.108 - camt.109 - camt.110 - camt.111 RTransactionContext: type: object xml: name: RTransactionContext description: R-transaction exemption assessment result. properties: exemptionApplicable: type: boolean nullable: true description: TRUE if original predates SR2026 cutover and exemption applies; FALSE if postdates; null if originalExecutionDatetime not provided. cutoverDatetime: type: string format: date-time description: Always 2026-11-22T02:30:00Z — the SR2026 cutover reference datetime. example: 2026-11-22T02:30:00Z originalIsPreCutover: type: boolean description: TRUE if the original payment execution datetime predates the SR2026 cutover. MessageAddressResult: xml: name: MessageAddressResult allOf: - $ref: "#/components/schemas/AddressResult" - type: object properties: xpath: type: string description: XPath location of this party address within the ISO 20022 message. postalAddressVariant: type: string enum: - __1 - __2 description: PostalAddress24 XSD variant (__1 = debtor/creditor, __2 = ultimate/initiating). Statistics: type: object xml: name: Statistics description: Processing statistics block returned on all endpoints. properties: processingTimeMs: type: integer description: Total processing time in milliseconds. totalRecords: type: integer description: Total number of records submitted. processedRecords: type: integer description: Number of records successfully processed. acceptedCount: type: integer rejectedCount: type: integer Issue: type: object xml: name: Issue description: > Legacy issue object. Preserved for backward compatibility with v4.0 integrations. New integrations should use reasons[] instead. properties: severity: type: string enum: - ERROR - WARNING - INFO code: type: string message: type: string field: type: string ErrorResponse: type: object xml: name: ErrorResponse description: Standard error envelope returned on 4xx and 5xx responses. properties: code: type: integer description: HTTP status code. message: type: string description: Human-readable error description. requestId: type: string description: Correlation ID for support. SchemeCode: type: string description: Payment scheme identifier. enum: - SCT - SCT_INST - SDD_CORE - SDD_B2B - OCT_INST - CBPRPLUS - CHAPS - T2 - EURO1 - FEDWIRE - OTHER SchemeVersion: type: string description: ISO 20022 scheme version / SR year. enum: - SR2025 - SR2026 Quality: type: string description: Postal database verification depth. enum: - premium - standard - basic TargetFormat: type: string description: > Target conversion format. `auto` lets ARS select the best achievable format. enum: - auto - FULLY_STRUCTURED - HYBRID - FULLY_UNSTRUCTURED Direction: type: string description: Payment processing direction. OUTBOUND = sending; INBOUND = receiving. enum: - OUTBOUND - INBOUND PartyRole: type: string description: > 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. enum: - debtor - creditor - ultimate_debtor - ultimate_creditor - initiating_party OutputMode: type: string description: | Address line rendering constraints applied during output formatting. - EPC: 2 lines × 70 chars - CBPR_PLUS: 3 lines × 35 chars - MT_LEGACY: 2 lines × 35 chars - COMPLIANCE: 7 lines × 70 chars enum: - EPC - CBPR_PLUS - MT_LEGACY - COMPLIANCE AddressFormat: type: string description: Detected or target address format classification. enum: - FULLY_STRUCTURED - HYBRID - FULLY_UNSTRUCTURED ChannelType: type: string description: Payment delivery channel type. enum: - api - file - other AddressResult: type: object description: Full address processing result object (used in EP-01 and all Layer 1 responses). xml: name: AddressResult properties: partyRole: $ref: "#/components/schemas/PartyRole" inputFormat: allOf: - $ref: "#/components/schemas/AddressFormat" description: Format detected in the submitted address. outputFormat: allOf: - $ref: "#/components/schemas/AddressFormat" description: Format of the processed output address. status: $ref: "#/components/schemas/AutoCorrectStatus" output: allOf: - $ref: "#/components/schemas/PostalAddress" description: Processed PostalAddress24 output. xml: name: PstlAdr verification: type: object description: Postal DB verification result. properties: status: type: string enum: - verified - partial - unverified score: type: number minimum: 0 maximum: 1 extractedIdentifiers: type: object description: Identifiers extracted from AddressLine (R-04 entity extraction). properties: bic: type: string lei: type: string iban: type: string detectedNameInAddress: type: string description: Party name text found embedded within address lines (R-05 PMPG non-duplication). confidence: type: object description: Overall confidence score (0.0–1.0) and per-field confidence scores. properties: overall: type: number minimum: 0 maximum: 1 fields: type: object additionalProperties: type: number canonical: type: object description: Canonical normalised address and SHA-256 fingerprint. Present when `include` contains `canonical`. properties: address: $ref: "#/components/schemas/PostalAddress" fingerprint: type: string description: SHA-256 hash of the canonical address for deduplication. rTransactionExempt: type: boolean description: TRUE if this address is exempt from SR2026 enforcement under EPC §8.3. reasons: type: array items: $ref: "#/components/schemas/ReasonCode" AutoCorrectStatus: type: string description: Outcome of AutoCorrect processing for an address. enum: - VALIDATED - REPAIRED - PARTIALLY_REPAIRED - NOT_REPAIRED PostalAddress: type: object description: > ISO 20022 PostalAddress24 object. All 14 structured fields are supported. Country is strongly recommended for all submissions. AddressLine is limited to max 7 elements in schema; practical publishing limits are governed by OutputMode (EPC=2, CBPR_PLUS=3, MT_LEGACY=2, COMPLIANCE=7). PMPG non-duplication rule: structured fields (TownName, Country) must NOT also appear in AddressLine simultaneously. properties: addressLine: type: array items: type: string maxLength: 70 maxItems: 7 description: Unstructured address lines (max 70 chars each). Max 3 for __1 variant parties, max 2 for __2 variant parties. xml: name: AdrLine wrapped: false streetName: type: string maxLength: 70 xml: name: StrtNm buildingNumber: type: string maxLength: 16 xml: name: BldgNb buildingName: type: string maxLength: 35 xml: name: BldgNm floor: type: string maxLength: 70 xml: name: Flr postBox: type: string maxLength: 16 xml: name: PstBx room: type: string maxLength: 70 xml: name: Room postCode: type: string maxLength: 16 xml: name: PstCd townName: type: string maxLength: 35 description: Required for __2 variant parties (ultimate_debtor, ultimate_creditor, initiating_party). Best practice for all. xml: name: TwnNm townLocationName: type: string maxLength: 35 xml: name: TwnLctnNm districtName: type: string maxLength: 35 xml: name: DstrctNm countrySubDivision: type: string maxLength: 35 xml: name: CtrySubDvsn country: type: string pattern: ^[A-Z]{2}$ description: ISO 3166-1 alpha-2. Strongly recommended. Required for __2 variant parties. xml: name: Ctry countryOfResidence: type: string pattern: ^[A-Z]{2}$ description: ISO 3166-1 alpha-2. Country where the party is resident. Distinct from country in the postal address. xml: name: CtryOfRes ReasonCode: type: object xml: name: ReasonCode description: > Structured reason code. Prefix indicates category: FMT = format, FLD = field, REG = regulatory, ENT = entity, VRF = verification, CNV = conversion. required: - code - severity - message properties: code: type: string description: Reason code in PREFIX-NN format (e.g. FMT-01, REG-05, VRF-03). example: REG-05 severity: type: string enum: - ERROR - WARNING - INFO description: Severity level. field: type: string description: ISO 20022 field name the reason applies to (e.g. TownName, AddressLine). message: type: string description: Human-readable explanation. ruleSource: type: string description: Regulatory reference (e.g. EPC SCT Rulebook §3.4, CBPR+ MP §2.1). headers: ContentDigestResp: description: SHA-256 digest of the response body (RFC 9530). schema: type: string SignatureResp: description: Server-generated HTTP Message Signature (RFC 9421) over the response. schema: type: string SignatureInputResp: description: Signature metadata (RFC 9421) for SignatureResp. schema: type: string responses: BadRequest: description: Bad Request — malformed request body or invalid parameter. content: application/json: schema: $ref: "#/components/schemas/ErrorResponse" example: code: 400 message: Request body is not valid JSON. requestId: b1a2c3d4-0000-0000-0000-000000000000 application/xml: schema: $ref: "#/components/schemas/ErrorResponse" example: | 400 Request body is not valid JSON. b1a2c3d4-0000-0000-0000-000000000000 Unauthorized: description: Unauthorized — missing or invalid authentication credentials. content: application/json: schema: $ref: "#/components/schemas/ErrorResponse" example: code: 401 message: Authentication credentials are missing or invalid. requestId: b1a2c3d4-0000-0000-0000-000000000001 application/xml: schema: $ref: "#/components/schemas/ErrorResponse" example: > 401 Authentication credentials are missing or invalid. b1a2c3d4-0000-0000-0000-000000000001 UnprocessableEntity: description: Unprocessable Entity — semantic validation failure (e.g. R-transaction type submitted to a non-R endpoint). content: application/json: schema: $ref: "#/components/schemas/ErrorResponse" example: code: 422 message: R-transaction message types (e.g. pacs.002) are not permitted on this endpoint. Use /r-transaction-message-party-addresses. requestId: b1a2c3d4-0000-0000-0000-000000000004 application/xml: schema: $ref: "#/components/schemas/ErrorResponse" example: > 422 R-transaction message types (e.g. pacs.002) are not permitted on this endpoint. b1a2c3d4-0000-0000-0000-000000000004 TooManyRequests: description: Too Many Requests — rate limit exceeded. headers: Retry-After: schema: type: integer description: Seconds to wait before retrying. content: application/json: schema: $ref: "#/components/schemas/ErrorResponse" example: code: 429 message: Rate limit exceeded. Retry after 10 seconds. requestId: b1a2c3d4-0000-0000-0000-000000000005 application/xml: schema: $ref: "#/components/schemas/ErrorResponse" example: | 429 Rate limit exceeded. Retry after 10 seconds. b1a2c3d4-0000-0000-0000-000000000005 InternalServerError: description: Internal Server Error — unexpected server-side failure. content: application/json: schema: $ref: "#/components/schemas/ErrorResponse" example: code: 500 message: An unexpected error occurred. Please contact support with your requestId. requestId: b1a2c3d4-0000-0000-0000-000000000006 application/xml: schema: $ref: "#/components/schemas/ErrorResponse" example: | 500 An unexpected error occurred. b1a2c3d4-0000-0000-0000-000000000006 securitySchemes: ApiKeyAuth: type: apiKey in: header name: X-API-Key description: Your ioNova platform API key. Generate it from your organisation admin in the ioNova app, then paste it here to test. ```