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Let us assume the following:
–
MT103 is sent from Bank A to NBS
–
NBS sends an MT196 with a wait state
–
Bank sends an MT195 to check the status of the 103
–
NBS sends an MT196 with a wait state
Once the PC transaction is booked and if the product is an RTGS product, the system
processes the transaction. When a payment initiated from Bank A is in the wait status in NBS
and subsequent checking from the Bank on the status of the message, the processing for the
message is done in the following sequence:

First the system generates an MT103 message with the funding status ‘WAIT’ and the
Reply Status as ‘NULL’.

Subsequently, NBS which is the RTGS servicing bank sends an MT196. If the status of
the MT196 is ‘WAIT then the Reply Status of the original MT103 is marked as ‘WAIT’
state.

The bank then sends an MT195 to verify the status of the MT103 message.

Finally, NBS sends an MT196. If the status of this MT196 is ‘WAIT’ then the reply status
of the MT195 is marked as ‘WAIT’ state.
Case 5:
The following example illustrates the process in which MT192 request for cancellation of the
MT103 in Wait State is handled in the system along with the approval of cancellation by NBS.
Assume Company A orders Bank A to pay Company B’s account in Bank B. The diagram
below depicts the transaction and message flow in the system.
Let us assume the following:

MT103 is sent from Bank A to NBS
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