# About payments

With the Tuum BackOffice platform, you can initialise outgoing payments, and manage incoming and outgoing payments.

### Payment types

Depending on the payment direction, there are 2 types of payments:

* **Incoming payments -** Initiated from external financial institutions and dedicated to the beneficiary with Tuum.
* **Outgoing payments -** Initiated in Tuum and dedicated to the beneficiary with other financial institutions.

The payment process consists of the following steps:

{% tabs %}
{% tab title="Outgoing payments process" %}

1. **Payment initiation:** Creating a draft of the payment order and confirming it.
2. **Anti Money Laundering (AML) check:** Ensuring the payment passes money-laundering prevention measures.
3. **Payment settlement:** Sending the payment data to the service provider-specific module responsible for generating the message based on the provider requirements and sending it to the provider system.
   {% endtab %}

{% tab title="Incoming payments process" %}

1. **Receiving message of incoming payments:** Receiving a file that consists of one or several incoming payments.
2. **Anti Money Laundering (AML) check:** Ensuring the payment passes money-laundering prevention measures.
3. **Crediting the beneficiary's account:** Transferring funds to the beneficiary’s account in the Tuum system.
   {% endtab %}
   {% endtabs %}

Based on the payment rules and currency, the Tuum system divides payments into:

* **Intrabank -** A payment in any currency when the payer and the beneficiary have accounts with Tuum.
* **SEPA payment -** A payment in Euros made according to the Single Euro Payments Area rules.
* **SWIFT payment -** A payment in any currency made by the SWIFT rules. In almost all cases, cross-border payments.
* **Local payment -** A payment made by the payment rules of the country of the payment currency.

{% hint style="info" %}

* The availability of the payment types depends on the configuration of the settlement providers that your company uses with Tuum. Contact the Tuum team to clarify the different options.
* The initiation of the local payments via the BackOffice is currently under development. You can initiate local payments via API.
  {% endhint %}

### Payment type codes

Each payment type has dedicated type codes used in the Tuum system to identify the type and direction of the payment.

<table><thead><tr><th width="309">Payment type</th><th>Payment type code</th></tr></thead><tbody><tr><td>Intrabank</td><td><ul><li><strong>ACC2ACC:</strong> Account-to-account payments.</li></ul></td></tr><tr><td>SEPA payments</td><td><ul><li><strong>ACC2SEPA:</strong> Account-to-SEPA outgoing Euro payments.</li><li><strong>SEPA2ACC:</strong> SEPA-to-account incoming Euro payments.</li></ul></td></tr><tr><td>SWIFT payments</td><td><ul><li><strong>ACC2SWIFT:</strong> Account-to-SWIFT outgoing payments sent via the SWIFT network.</li><li><strong>SWIFT2ACC:</strong> SWIFT-to-account incoming payments received via the SWIFT network.</li></ul></td></tr><tr><td>Local payments</td><td><ul><li><strong>ACC2LOCAL:</strong> Account-to-local outgoing local payments.</li><li><strong>LOCAL2ACC:</strong> Local-to-account incoming local payments.</li></ul></td></tr></tbody></table>

In this guide, you will find information about:

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