Due to the complexity of international wire transfers, various errors may occur resulting in failed or returned transfers. You can simulate those errors during development in our Sandbox.
You can simulate various transfer failures that may occur at different stages of outgoing transfer requests. To trigger a transfer failure, you can set
message_to_beneficiary_bank in your request with special values. The following special values are supported:
request-invalid: request rejected by the Swift network during validation: invalid BIC, invalid IBAN, etc.
request-delivery-failed: request rejected by the Swift network during delivery: Swift system issues, aborted, etc.
request-delivery-delayed: request delayed by the Swift network, but it is finally delivered successfully
request-returned-by-correspondent-bank: request returned by our correspondent bank due to invalid FX contract, missing required country-specific information, etc.
request-returned-by-beneficiary-bank: request returned by the beneficiary bank due to invalid beneficiary data, invalid account numbers, etc. We will deduct
USD 10.00from the transfer amount to simulate return charges by beneficiary or intermediary banks. If transfer amount is less than
USD 10.00, no return charge will be deducted.
Any other values for
message_to_beneficiary_bank will result in normal settlement flows for outgoing transfers.
curl https://api.column.com/transfers/international-wire \ -XPOST \ -u :<YOUR API KEY> \ -d amount=100000 \ -d currency_code=CNY \ -d bank_account_id=bacc_xxx \ -d counterparty_id=cpty_xxx \ -d description="test transfer failure" \ -d "remittance_info[general_info]"="Invoice ID 123" \ -d message_to_beneficiary_bank="request-returned-by-correspondent-bank"
You can also simulate incoming international wires in our Sandbox.
curl https://api.column.com/simulate/receive-international-wire \ -XPOST \ -u :<YOUR API KEY> \ -d destination_account_number_id=acno_xxx \ -d amount=100000 \ -d currency_code=CNY