When attempted PayOuts are unpaid (for example because the beneficiaries account is blocked), a notification will be sent to the callback URL.
The callback URL is provided by you when uploading the batch via API in the value <CallBackUrl>.
Unfortunately, these callbacks can't be replicated in test.
In live the notifications look like the sample below.
Unpaid Dispute:
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<Response>
<Result>OK</Result>
<BatchCode>123456</BatchCode>
<NaedoResults>
<Result>
<AccountNumber>123456789</AccountNumber>
<BranchCode>632005</BranchCode>
<FirstName>Name</FirstName>
<Surname>Surname</Surname>
<Reference>Bank Reference</Reference>
<CustomerCode>001</CustomerCode>
<Result>Dispute</Result>
<ResultMessage>Authorisation cancelled</ResultMessage>
</Result>
</NaedoResults>
</Response>
Success:
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<Response>
<Result>OK</Result>
<BatchCode>123456</BatchCode>
<NaedoResults>
<Result>
<AccountNumber>123456789</AccountNumber>
<BranchCode>632005</BranchCode>
<FirstName>Name</FirstName>
<Surname>Surname</Surname>
<Reference>Bank Reference</Reference>
<CustomerCode>001</CustomerCode>
<Result>Successful</Result>
<ResultMessage/>
</Result>
</NaedoResults>
</Response>
Tracking:
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<Response>
<Result>OK</Result>
<BatchCode>123456</BatchCode>
<NaedoResults>
<Result>
<AccountNumber>123456789</AccountNumber>
<BranchCode>632005</BranchCode>
<FirstName>Name</FirstName>
<Surname>Surname</Surname>
<Reference>Bank Reference</Reference>
<CustomerCode>001</CustomerCode>
<Result>Tracking</Result>
<ResultMessage/>
</Result>
</NaedoResults>
</Response>
Unsuccessful Callback:
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<Response>
<Result>OK</Result>
<BatchCode>123456</BatchCode>
<NaedoResults>
<Result>
<AccountNumber>123456789</AccountNumber>
<BranchCode>632005</BranchCode>
<FirstName>Name</FirstName>
<Surname>Surname</Surname>
<Reference>Bank Reference</Reference>
<CustomerCode>001</CustomerCode>
<Result>Unsuccessful</Result>
<ResultMessage>Insufficient funds</ResultMessage>
</Result>
</NaedoResults>
</Response>
Note: The unpaid responses can continue for several days after the batch is submitted.