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Overview

Alacriti provides real-time payment processing and settlement solutions for US payment schemes. The Grand Central Alacriti connector enables seamless integration with Alacriti’s payment platform, supporting Fedwire, FedNow, RTP instant credit transfers, and ACH payments. The connector delivers comprehensive payment capabilities including initiation, status updates, cancellation, fee retrieval, and validation services through the Grand Central Unified API Specification.

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Key Features

  • Real-time payment processing: Immediate payment initiation and execution
  • Multiple payment schemes: Support for Fedwire, FedNow, RTP, and ACH
  • Batch payment support: Process multiple payments in one action
  • Payment status tracking: Real-time synchronous and asynchronous status updates
  • Payment cancellation: Cancel scheduled payments before processing
  • Payment modification: Update Fedwire payment instructions (Fedwire only)
  • Fee estimation: Real-time fee estimates for payments
  • Bank detail retrieval: Display bank information using ABA routing numbers
  • Recipient validation: Validate account details with prenote transactions (ACH)

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Supported Payment Schemes

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Fedwire

  • One-time payments
  • Recurring payments
  • Payment cancellation
  • Payment modification
  • Real-time status updates
  • Fee retrieval

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FedNow Instant Credit Transfers

  • One-time instant payments
  • Real-time status updates
  • Payment cancellation
  • Fee retrieval

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RTP Instant Credit Transfers

  • One-time instant payments
  • Real-time status updates
  • Payment cancellation
  • Fee retrieval

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ACH Payments

  • Batch payments with multiple SEC codes:
    • PPD (Prearranged Payment and Deposit)
    • CCD (Corporate Credit or Debit)
    • CCD Child support
    • CCD Tax payment
    • CTX (Corporate Trade Exchange)
  • Standard ACH
  • Same Day ACH
  • International ACH
  • Payment cancellation for entire batches
  • Fee retrieval (Standard, Same Day, International)
  • Prenote validation for recipient accounts

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Prerequisites

Before you begin, make sure that the following requirements are met:
  • Completion of Grand Central connector configuration prerequisites
  • An active Alacriti account with necessary permissions
  • Valid API credentials from Alacriti (API key, secret key, client key)
  • Grand Central Unified API Specification’s Payment API enabled in your environment
  • Allowlisted Alacriti API endpoints for inbound APIs in the Grand Central network

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Configuration

To configure your Alacriti connector:
  1. Set your APIM subscription key in the header:
    • Key: api-key
    • Value: your subscription key
  2. Request the Grand Central team to set up a connection with Alacriti and provide:
    • Secret keys received from Alacriti for Azure APIM keyvault
  3. Add the following configuration to your connector’s values.yaml file:
For gc-alacriti-payment-connector and gc-alacriti-batch-payment-connector:
KeyDescription
alacriti.baseUrlThe base URL to access the Alacriti environment
alacriti.client_keyThe client key received from Alacriti
alacriti.productThe product received from Alacriti
alacriti.payment_channelThe payment channel received from Alacriti
alacriti.requestor_typeThe requestor type received from Alacriti
alacriti.client_requestor_referenceThe client requestor reference received from Alacriti
alacriti.access_channelThe access channel received from Alacriti
retryFlagEnable retry between Grand Central and Alacriti (set to true)
For gc-alacriti-payment-inbound-connector and gc-alacriti-batch-payment-inbound-connector:
KeyDescription
asb.batch.status.update.event.typeEvent type for batch status updates
asb.batch.payment.status.update.event.typeEvent type for batch payment status updates
asb.batch.status.update.event.topicEvent topic for batch status updates
asb.batch.payment.status.update.event.topicEvent topic for batch payment status updates
asb.event.versionVersion of the ASB event
asb.producer.apiUriAPI URI for the ASB producer
backbase.gc.enable.batch.rejectionEnable batch rejection functionality
Example configuration location: 
├── iPaaS
└── azure/runtimes
    ├── dev
    └── test
        └── values
            ├── gc-alacriti
                └── payments-v0.values.yaml

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Supported Operations

  • Initiate one-time payments: Send single payment instructions for execution
  • Initiate recurring payments: Set up automated scheduled payments
  • Initiate batch payments: Submit multiple payment entries in one action
  • Update payment status: Receive real-time synchronous and asynchronous updates
  • Cancel payments: Cancel scheduled one-time, recurring, or batch payments
  • Modify payments: Update Fedwire payment instructions (Fedwire only)
  • Retrieve bank details: Get bank information using ABA routing numbers
  • Retrieve fees: Get real-time fee estimates for various payment types
  • Validate recipient accounts: Send prenote transactions for ACH validation

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Integration Benefits

  • Comprehensive US payment support: Access to major US payment schemes through one connector
  • Real-time processing: Immediate payment execution and status updates
  • Batch efficiency: Process payroll and bulk payments with ease
  • Proactive validation: Reduce payment failures with recipient account validation
  • Fee transparency: Provide customers with upfront cost estimates
  • Event-driven updates: Asynchronous notifications via SyncHub
  • Scalable solution: Handle high-volume payment processing
  • BIAN compliance: Standardized payment interactions