If a beneficiary cannot receive a transfer due to issues with regard to his or her bank accounts, the banking institution will make a reversal attempt.

The banking institution returns the funds to the payer's bank account and notifies WorldFirst(Alipay) about the reversal. WorldFirst(Alipay) notifies the Partner about the reversal. The Partner needs to alert the payer to check the beneficiary's information and submit another transfer request.

Note: WorldFirst(Alipay) handles transfer reversals manually.

Workflow

Figure 1. Reversal handling process

Procedure

The process has the following steps:

1. Beneficiary agent or banking institutions notify WorldFirst(Alipay) of the reversal. The reversal information includes the original transfer ID, transfer amount, and reversal reason.

2. WorldFirst(Alipay) notifies the Partner about the reversal. For more details, refer to the Sample response section.
3. Partner obtains the correct Beneficiary information from the Payer or Customer.
4. Partner retries the transfer with the correct information.
5. WorldFirst(Alipay) initiates the internal process to retry the transfer.
6. WorldFirst(Alipay) returns the result of the transfer to Partner.

Sample response

Sample response from WorldFirst(Alipay) after the Partner calls the transfer API in this scenario:

{
  "transferFactor": {
    "delegationMode": "TRANSFER",
    "transferFundType": "GLOBAL_GLOBAL_SERVICE"
  },
  "transferFinishTime": "2022-07-05T15:58:12+08:00",
  "transferFromDetail": {
    "feeAmount": {
      "currency": "USD",
      "value": "1000"
    },
    "transferFromAmount": {
      "currency": "USD",
      "value": "8445298"
    }
  },
  "transferId": "1234567890",
  "transferRequestId": "1234567890",
  "transferResult": {
    "resultCode": "ORDER_IS_REVERSED",
    "resultMessage": "account closed",
    "resultStatus": "F"
  },
  "transferToDetail": {
    "reverseAmount": {
      "currency": "USD",
      "value": "100"
    },
    "transferToAmount": {
      "currency": "USD",
      "value": "100"
    },
    "transferToMethod": {
      "paymentMethodMetaData": "{\"bankAccount\":\"{\\\"cardAddress\\\":\\\"***\\\",\\\"holderAccountName\\\":{\\\"fullName\\\":\\\"H***D\\\"},\\\"holderAccountType\\\":\\\"COMPANY\\\",\\\"bankBIC\\\":\\\"WIHBHKHH\\\",\\\"bankAccountNo\\\":\\\"*****2831\\\",\\\"bankName\\\":\\\"OCBC WING HANG BANK LIMITED\\\",\\\"bankAddress\\\":{\\\"region\\\":\\\"HK\\\"}}\",\"paymentMethodDetailType\":\"bankAccount\"}",
      "paymentMethodType": "BANK_ACCOUNT"
    }
  }
}

In this sample response:

• The actual reversed amount that the Partner received is defined by the reverseAmount parameter.
• The transfer fee charged by WorldFirst(Alipay) from the Partner is defined by the feeAmount parameter.
• The reversal fee charged by the banking institution is determined by the banking institution and not indicated in the response message.