Regulatory and infrastructure terms
| Term | Definition |
|---|---|
| BACEN | Banco Central do Brasil — the Central Bank of Brazil. Regulates the financial system and operates SPB. |
| SPB | Sistema de Pagamentos Brasileiro — Brazil’s Payment System, the infrastructure for all interbank settlements. |
| STR | Sistema de Transferência de Reservas — Reserve Transfer System, the real-time settlement component of SPB. |
| RSFN | Rede do Sistema Financeiro Nacional — the secure national financial network connecting BACEN and financial institutions. |
| PSTI | Provedor de Serviço de Tecnologia da Informação — an IT service provider authorized by BACEN to operate RSFN connectivity infrastructure. JD Consultores is a PSTI. |
| ISPB | Identificador de Sistema de Pagamentos Brasileiro — 8-digit code that uniquely identifies each financial institution in SPB. |
| STR0008 | The BACEN message format for initiating a TED transfer. Sent from the originating institution to SPB. |
| STR0008R2 | The response/confirmation message for STR0008. Contains the settlement result. |
| STR0010R2 | The chargeback message format. Sent when a TED must be returned to the origin bank (e.g., recipient not found). |
| JD / JD SPB | JD Consultores — the PSTI used by Lerian to route TED messages to SPB. |
| NumCabSeq | Sequential message identifier assigned by JD SPB to each STR0008 submission. Used to track and query transfer status. |
Account type codes (ISO 20022)
| Code | Account Type |
|---|---|
| CACC | Current account (conta corrente) — most common type |
| SLRY | Salary account (conta salário) |
| SVGS | Savings account (conta poupança) |
| TRAN | Transit/payment account |
| OTHR | Other account type |
Transfer types
| Term | Definition |
|---|---|
| TED OUT | Outbound transfer — your client sends funds to an account at another bank. |
| TED IN | Inbound transfer — your institution receives funds from another bank, automatically detected and credited. |
| P2P | Internal transfer — between two accounts at the same institution (same ISPB). Faster and typically free. |
| D+0 | Same-day settlement — TED is a D+0 instrument when submitted before 17:00 Brasília time. |
Plugin-specific terms
| Term | Definition |
|---|---|
| PaymentInitiation | The entity created by POST /v1/transfers/initiate. Holds fee calculation and expires after 24 hours. |
| initiationId | UUID returned by the initiate endpoint. Required to confirm a transfer via POST /v1/transfers/process. |
| X-Idempotency | Required header for safe retries. The same key always returns the same response (cached for 24 hours). |
| Cashin fee | Fee deducted from a received TED IN amount. Configured per organization via Fees Engine. |
| Cashout fee | Fee added to a TED OUT amount. The sender’s account is debited for amount + fee. |
| Reconciliation | Process to match transfers in unknown state (PROCESSING with no confirmation) against JD SPB records. |
| DLQ | Dead-letter queue — transfers that cannot be processed after all retries are moved here for manual review. |