Echo Service

Introduction

The Echo Service is a sandbox-only testing feature that automatically returns payments to the sender. When a payment is sent with a specific reference format, the service echoes the original amount back as multiple return payments.

This functionality is intended for integration testing and validation and is available only in the sandbox environment using approved test accounts.

How It Works

When you include a payment reference in the format TEST<number>, the Echo Service:

• Detects the reference pattern

• Processes the payment in the sandbox environment

• Returns the original amount to the sender

• Splits the returned amount into equal parts based on the number specified

Example behavior:

• Sending €100 with TEST4 returns 4 payments of €25 each

• Sending €75 with TEST3 returns 3 payments of €25 each

Prerequisites

Before using the Echo Service, ensure that:

• You are operating in the sandbox environment

• vThe destination account is enabled for Echo Service testing

• The payment method is SEPA Instant (SEPA INST)

Important: The Echo Service currently supports SEPA Instant payments only.

How to Use

1. In the payment reference / purpose field, enter: TEST<number>

   • <number> must be an integer between 1 and 10.

   • Use uppercase letters only.

   • Do not include spaces.

   Example: TEST5

2. Send the payment to one of the approved Echo Service IBANs.

3. The system will automatically return the original amount, split into equal payments according to the specified number.

Approved IBANs

The following accounts are enabled for Echo Service testing:

IBAN	BIC
LT613240010000000004	TRLULT21XXX
LT323982800000000004	NSPYLT22XXX

Payments sent to other accounts will not trigger the Echo Service.

Rules and Limits

The Echo Service enforces the following rules and constraints:

Reference format	Must exactly match TEST<number>	Valid: TEST7 · Invalid: TEST 7, test7, TEST11
Allowed range	<number> must be between 1 and 10	Values outside this range are rejected
Account restriction	Only approved accounts are supported	Payments to other accounts are ignored
Payment scheme	SEPA Instant only	Other SEPA schemes are not supported
Amount splitting	Amount must be evenly divisible	€0.01 cannot be split into multiple parts
Case sensitivity	Uppercase only	TEST5 is valid, test5 is not
Formatting	No spaces or extra characters	Reference must contain only TEST<number>

Troubleshooting

If the Echo Service does not return payments as expected, verify the following:

1. Confirm the reference strictly follows TEST<number>

2. Ensure uppercase letters and no spaces

3. Confirm the IBAN is listed in the approved Echo Service accounts

4. Ensure the amount can be evenly divided by the specified number

5. Confirm the payment is sent as SEPA Instant

Notes:

• The Echo Service is not available in production.

• Intended strictly for testing and validation purposes.