Response Time Limits

Acknowledgement

All HTTP requests received over the Electrum API need to be acknowledged within 1 second. A positive acknowledgement will take the form of a 2xx HTTP status. A valid error response is considered a negative acknowledgement.

If no acknowledgement is received within the time limit, then the request may be retried. It is therefore important to make sure that the processing of requests is idempotent. That is, if you receive a request that is identical to a previously processed message, then it should be treated as a duplicate and not affect the outcome of the request in any way.

Scheme Event Limit
All Acknowledge receipt of incoming message 1 sec

Scheme Mandated Processing Times

Certain processing time limits must be adhered to according to the respective payment schemes' service-level agreements.

Scheme Event Limit
PayShap The end-to-end processing time for the proxy resolution phase of the transaction. This includes the following steps:
  • Sender initiates a proxy resolution request
  • Scheme processes the request and returns the result
  • Sender is prompted to confirm that the account holder name is correct

    Note that the time taken for the customer to respond to the prompt is not included in this limit.

  • 10 sec
    PayShap The end-to-end processing time to complete a payment after the sender has confirmed the account holder name. 10 sec
    RTC The end-to-end time to complete a payment after initiation. 60 sec
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