A payment confirmation report is a downloadable PDF, which is a written record that a specific payment has been processed. It is designed to help you self-serve this information directly from the TrueLayer Console, without needing to raise a request with TrueLayer.

The Scheme Transaction ID and Statement Reference in the PDF enables your user’s bank to independently trace the payment through the relevant payment scheme (eg SEPA or the Faster Payments Service).

Availability & Prerequisites

Supported payment types and countries

Payment Confirmation is available for the following payment types:

• Closed-loop payins (deposits)
• Payouts (withdrawals and refunds)
• Faster Payments (UK)
• SEPA Credit Transfer and SEPA Instant (Europe)

The following are not currently supported:

• Open-loop pay-ins
• Bank on File payments

The download button is only visible in the Console for users with the following roles:

• Owner
• Admin
• Payment Operator
• Payment Controller

Download a Payment Confirmation report

To access the report:

1. Log in to the TrueLayer Console.
2. Go to the relevant app.
3. Go to Payments > Payment activity.
4. Navigate to the relevant pay-in or payout transaction, and select it.
5. Check that the transaction has reached a terminal status (settled or executed).
6. Click the Download Payment Confirmation button.
7. The PDF is generated and downloaded immediately.

What's in the report

Each Payment Confirmation report contains the following fields. The document format is consistent across all banking partners.

• 1. Creation date and time — when the payment was initiated
• 2. Amount and currency — the value of the payment
• 3. Beneficiary details — account holder name (AHN) and IBAN of the recipient
• 4. Remitter details — account holder name (AHN) and IBAN of the sender
• 5. Statement reference — the reference as it appears on the user’s bank statement
• 6. TrueLayer payment / transaction ID — your internal TrueLayer identifier for the transaction
• 7. Scheme Transaction ID — an ID for the scheme level transaction. Your user’s bank can use this ID to trace a specific payment.
• 8. Scheme type — indicates which payment scheme was used for the transaction (eg SEPA_CREDIT_TRANSFER, SEPA_INSTANT, FASTER_PAYMENTS)
• 9. Payment status — the terminal status of the payment
• 10. Settlement timestamp — when the payment settled (if applicable)

Scheme transaction ID

The scheme transaction ID is the most important field for end-user payment tracing.

Below are some examples of what a scheme transaction ID might look like, depending on the country and scheme with which a transaction was processed:

If your user raises a query about a particular payment, share the report with them so they can follow up with their bank. The bank will then use it to trace the payment through the relevant scheme.