Domestic Payment Usage Examples - v3.1.2

Merchant Initiation via PISP
1. Sequence Diagram
2. Illustrative Interactions
Person To Person Initiation via PISP
1. Sequence Diagram
2. Illustrative Interactions
BACS Payment Order Consent
1. POST /domestic-payment-consents request
2. POST /domestic-payment-consents response
CHAPS Payment Order Consent
1. POST /domestic-payment-consents request
2. POST /domestic-payment-consents response
Balance Transfer
1. POST /domestic-payment-consents request
2. POST /domestic-payment-consents response
Money Transfer
1. POST /domestic-payment-consents request
2. POST /domestic-payment-consents response

Merchant Initiation via PISP

This example set of flows and payload examples are for a domestic payment initiated by a merchant via a PISP.

In this scenario:

The merchant has not specified the Debtor Account details for the PSU. The PSU will select their account during the authorisation of consent.
The merchant’s account is a building society account with a roll number specified in the SecondaryIdentification field.

Sequence Diagram

Diagram source

``` participant PSU participant Merchant participant PISP participant ASPSP Authorisation Server participant ASPSP Resource Server note over PSU, ASPSP Resource Server Step 1: Agree Domestic Payment-Order Initiation end note PSU -> Merchant: Check-out and pay Merchant -> PISP: Send request to setup domestic payment consent note over PSU, ASPSP Resource Server Step 2: Setup Domestic Payment-Order Consent end note PISP <-> ASPSP Authorisation Server: Establish TLS 1.2 MA PISP -> ASPSP Authorisation Server: Initiate Client Credentials Grant ASPSP Authorisation Server -> PISP: access-token PISP <-> ASPSP Resource Server: Establish TLS 1.2 MA PISP -> ASPSP Resource Server: POST /domestic-payment-consents ASPSP Resource Server -> PISP: HTTP 201 (Created), ConsentId PISP -> Merchant: HTTP 302 (Found), Redirect (ConsentId) Merchant -> PSU: HTTP 302 (Found), Redirect (ConsentId) note over PSU, ASPSP Resource Server Step 3: Authorize consent end note PSU -> ASPSP Authorisation Server: Follow redirect (ConsentId) PSU <-> ASPSP Authorisation Server: authenticate PSU <-> ASPSP Authorisation Server: SCA if required PSU <-> ASPSP Authorisation Server: Select debtor account ASPSP Authorisation Server -> PSU: HTTP 302 (Found), Redirect (authorization-code) PSU -> PISP: Follow redirect (authorization-code) PISP <-> ASPSP Authorisation Server: Establish TLS 1.2 MA PISP -> ASPSP Authorisation Server: Exchange authorization-code for access token ASPSP Authorisation Server -> PISP: access-token PISP -> PSU: HTTP 302 (Found), Redirect back to merchant PSU -> Merchant: Follow redirect note over PSU, ASPSP Resource Server Step 4: Create Domestic Payment-Order end note PISP <-> ASPSP Resource Server: Establish TLS 1.2 MA PISP -> ASPSP Resource Server: POST /domestic-payments ASPSP Resource Server -> PISP: HTTP 201 (Created), DomesticPaymentId note over PSU, ASPSP Resource Server Step 5: Get Domestic Payment-Order status end note opt Merchant -> PISP: Check payment status PISP <-> ASPSP Resource Server: Establish TLS 1.2 MA PISP -> ASPSP Resource Server: GET /domestic-payments/{DomesticPaymentId} ASPSP Resource Server -> PISP: HTTP 200 (OK), domestic-payments resource PISP -> Merchant: HTTP 200 (OK), Return domestic-payments Status end opt ```

Illustrative Interactions

Notes:

As per the Security & Access Control section, examples are given where the call to GET must use a client credentials grant to obtain a token to make GET requests.

POST /domestic-payment-consents request

POST /domestic-payment-consents HTTP/1.1
Authorization: Bearer 2YotnFZFEjr1zCsicMWpAA
x-idempotency-key: FRESCO.21302.GFX.20
x-jws-signature: TGlmZSdzIGEgam91cm5leSBub3QgYSBkZXN0aW5hdGlvbiA=..T2ggZ29vZCBldmVuaW5nIG1yIHR5bGVyIGdvaW5nIGRvd24gPw==
x-fapi-auth-date: Sun, 10 Sep 2017 19:43:31 GMT
x-fapi-customer-ip-address: 104.25.212.99
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json
Accept: application/json

{
  "Data": {
    "Initiation": {
      "InstructionIdentification": "ACME412",
      "EndToEndIdentification": "FRESCO.21302.GFX.20",
      "InstructedAmount": {
        "Amount": "165.88",
        "Currency": "GBP"
      },
      "CreditorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080021325698",
        "Name": "ACME Inc",
        "SecondaryIdentification": "0002"
      },
      "RemittanceInformation": {
        "Reference": "FRESCO-101",
        "Unstructured": "Internal ops code 5120101"
      }
    }
  },
  "Risk": {
    "PaymentContextCode": "EcommerceGoods",
    "MerchantCategoryCode": "5967",
    "MerchantCustomerIdentification": "053598653254",
    "DeliveryAddress": {
      "AddressLine": [
        "Flat 7",
        "Acacia Lodge"
      ],
      "StreetName": "Acacia Avenue",
      "BuildingNumber": "27",
      "PostCode": "GU31 2ZZ",
      "TownName": "Sparsholt",
      "CountySubDivision": [
        "Wessex"
      ],
      "Country": "UK"
    }
  }
}

POST /domestic-payment-consents response

HTTP/1.1 201 Created
x-jws-signature: V2hhdCB3ZSBnb3QgaGVyZQ0K..aXMgZmFpbHVyZSB0byBjb21tdW5pY2F0ZQ0K
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json

{
  "Data": {
    "ConsentId": "58923",
    "Status": "AwaitingAuthorisation",
    "CreationDateTime": "2017-06-05T15:15:13+00:00",
    "StatusUpdateDateTime": "2017-06-05T15:15:13+00:00",
    "Initiation": {
      "InstructionIdentification": "ACME412",
      "EndToEndIdentification": "FRESCO.21302.GFX.20",
      "InstructedAmount": {
        "Amount": "165.88",
        "Currency": "GBP"
      },
      "CreditorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080021325698",
        "Name": "ACME Inc",
        "SecondaryIdentification": "0002"
      },
      "RemittanceInformation": {
        "Reference": "FRESCO-101",
        "Unstructured": "Internal ops code 5120101"
      }
    }
  },
  "Risk": {
    "PaymentContextCode": "EcommerceGoods",
    "MerchantCategoryCode": "5967",
    "MerchantCustomerIdentification": "053598653254",
    "DeliveryAddress": {
      "AddressLine": [
        "Flat 7",
        "Acacia Lodge"
      ],
      "StreetName": "Acacia Avenue",
      "BuildingNumber": "27",
      "PostCode": "GU31 2ZZ",
      "TownName": "Sparsholt",
      "CountySubDivision": [
        "Wessex"
      ],
      "Country": "UK"
    }
  },
  "Links": {
    "Self": "https://api.alphabank.com/open-banking/v3.1/pisp/domestic-payment-consents/58923"
  },
  "Meta": {}
}

GET /domestic-payment-consents/{ConsentId}/funds-confirmation Request

GET /domestic-payment-consents/58923/funds-confirmation HTTP/1.1
Authorization: Bearer Jhingapulaav
x-fapi-auth-date: Sun, 10 Sep 2017 19:43:31 GMT
x-fapi-customer-ip-address: 104.25.212.99
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Accept: application/json

GET /domestic-payment-consents/{ConsentId}/funds-confirmation Response

HTTP/1.1 200 OK
x-jws-signature: V2hhdCB3ZSBnb3QgaGVyZQ0K..aXMgZmFpbHVyZSB0byBjb21tdW5pY2F0ZQ0K
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json

{
    "Data": {
        "FundsAvailableResult": {
            "FundsAvailableDateTime": "2017-06-05T15:15:23+00:00",
            "FundsAvailable": true
        }
    },
    "Links": {
        "Self": "https://api.alphabank.com/open-banking/v3.1/pisp/domestic-payment-consents/58923/funds-confirmation"
    },
    "Meta": {}
}

Create Domestic Payment Order

POST /domestic-payments Request

POST /domestic-payments HTTP/1.1
Authorization: Bearer Jhingapulaav
x-idempotency-key: FRESNO.1317.GFX.22
x-jws-signature: TGlmZSdzIGEgam91cm5leSBub3QgYSBkZXN0aW5hdGlvbiA=..T2ggZ29vZCBldmVuaW5nIG1yIHR5bGVyIGdvaW5nIGRvd24gPw==
x-fapi-auth-date: Sun, 10 Sep 2017 19:43:31 GMT
x-fapi-customer-ip-address: 104.25.212.99
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json
Accept: application/json

{
  "Data": {
    "ConsentId": "58923",
    "Initiation": {
      "InstructionIdentification": "ACME412",
      "EndToEndIdentification": "FRESCO.21302.GFX.20",
      "InstructedAmount": {
        "Amount": "165.88",
        "Currency": "GBP"
      },
      "CreditorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080021325698",
        "Name": "ACME Inc",
        "SecondaryIdentification": "0002"
      },
      "RemittanceInformation": {
        "Reference": "FRESCO-101",
        "Unstructured": "Internal ops code 5120101"
      }
    }
  },
  "Risk": {
    "PaymentContextCode": "EcommerceGoods",
    "MerchantCategoryCode": "5967",
    "MerchantCustomerIdentification": "053598653254",
    "DeliveryAddress": {
      "AddressLine": [
        "Flat 7",
        "Acacia Lodge"
      ],
      "StreetName": "Acacia Avenue",
      "BuildingNumber": "27",
      "PostCode": "GU31 2ZZ",
      "TownName": "Sparsholt",
      "CountySubDivision": [
        "Wessex"
      ],
      "Country": "UK"
    }
  }
}

POST /domestic-payments Response

HTTP/1.1 201 Created
x-jws-signature: V2hhdCB3ZSBnb3QgaGVyZQ0K..aXMgZmFpbHVyZSB0byBjb21tdW5pY2F0ZQ0K
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json

{
  "Data": {
    "DomesticPaymentId": "58923-001",
    "ConsentId": "58923",
    "Status": "AcceptedSettlementInProcess",
    "CreationDateTime": "2017-06-05T15:15:22+00:00",
    "StatusUpdateDateTime": "2017-06-05T15:15:13+00:00",
    "Initiation": {
      "InstructionIdentification": "ACME412",
      "EndToEndIdentification": "FRESCO.21302.GFX.20",
      "InstructedAmount": {
        "Amount": "165.88",
        "Currency": "GBP"
      },
      "CreditorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080021325698",
        "Name": "ACME Inc",
        "SecondaryIdentification": "0002"
      },
      "RemittanceInformation": {
        "Reference": "FRESCO-101",
        "Unstructured": "Internal ops code 5120101"
      }
    }
  },
  "Links": {
    "Self": "https://api.alphabank.com/open-banking/v3.1/pisp/domestic-payments/58923-001"
  },
  "Meta": {}
}

GET /domestic-payment-consents/{ConsentId} Request

GET /domestic-payment-consents/58923 HTTP/1.1
Authorization: Bearer Jhingapulaav
x-fapi-auth-date: Sun, 10 Sep 2017 19:43:31 GMT
x-fapi-customer-ip-address: 104.25.212.99
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Accept: application/json

GET /domestic-payment-consents/{ConsentId} Response

HTTP/1.1 200 OK
x-jws-signature: V2hhdCB3ZSBnb3QgaGVyZQ0K..aXMgZmFpbHVyZSB0byBjb21tdW5pY2F0ZQ0K
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json

{
  "Data": {
    "ConsentId": "58923",
    "Status": "Authorised",
    "CreationDateTime": "2017-06-05T15:15:13+00:00",
    "StatusUpdateDateTime": "2017-06-05T15:15:22+00:00",
    "Initiation": {
      "InstructionIdentification": "ACME412",
      "EndToEndIdentification": "FRESCO.21302.GFX.20",
      "InstructedAmount": {
        "Amount": "165.88",
        "Currency": "GBP"
      },
      "CreditorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080021325698",
        "Name": "ACME Inc",
        "SecondaryIdentification": "0002"
      },
      "RemittanceInformation": {
        "Reference": "FRESCO-101",
        "Unstructured": "Internal ops code 5120101"
      }
    }
  },
  "Risk": {
    "PaymentContextCode": "EcommerceGoods",
    "MerchantCategoryCode": "5967",
    "MerchantCustomerIdentification": "053598653254",
    "DeliveryAddress": {
      "AddressLine": [
        "Flat 7",
        "Acacia Lodge"
      ],
      "StreetName": "Acacia Avenue",
      "BuildingNumber": "27",
      "PostCode": "GU31 2ZZ",
      "TownName": "Sparsholt",
      "CountySubDivision": [
        "Wessex"
      ],
      "Country": "UK"
    }
  },
  "Links": {
    "Self": "https://api.alphabank.com/open-banking/v3.1/pisp/domestic-payment-consents/58923"
  },
  "Meta": {}
}

Get Domestic Payment Order

GET /domestic-payments/{DomesticPaymentId} Request

GET /domestic-payments/58923-001 HTTP/1.1
Authorization: Bearer 2YotnFZFEjr1zCsicMWpAA
x-fapi-auth-date:  Sun, 10 Sep 2017 19:43:31 GMT
x-fapi-customer-ip-address: 104.25.212.99
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Accept: application/json

GET /domestic-payments/{DomesticPaymentId} Response

HTTP/1.1 200 OK
x-jws-signature: V2hhdCB3ZSBnb3QgaGVyZQ0K..aXMgZmFpbHVyZSB0byBjb21tdW5pY2F0ZQ0K
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json

{
  "Data": {
    "DomesticPaymentId": "58923-001",
    "ConsentId": "58923",
    "Status": "AcceptedSettlementInProcess",
    "CreationDateTime": "2017-06-05T15:15:22+00:00",
    "StatusUpdateDateTime": "2017-06-05T15:15:22+00:00",
    "Initiation": {
      "InstructionIdentification": "ACME412",
      "EndToEndIdentification": "FRESCO.21302.GFX.20",
      "InstructedAmount": {
        "Amount": "165.88",
        "Currency": "GBP"
      },
      "CreditorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080021325698",
        "Name": "ACME Inc",
        "SecondaryIdentification": "0002"
      },
      "RemittanceInformation": {
        "Reference": "FRESCO-101",
        "Unstructured": "Internal ops code 5120101"
      }
    }
  },
  "Links": {
    "Self": "https://api.alphabank.com/open-banking/v3.1/pisp/domestic-payments/58923-001"
  },
  "Meta": {}
}

Person To Person Initiation via PISP

This example set of flows and payload examples are for a domestic payment initiated by a person to another person via a PISP.

In this scenario:

The PSU has pre-specified the account from which funds will be transferred (i.e., the Debtor Account details)
No building society accounts are involved in this interaction, and there only the sort code and account number are specified in the DebtorAccount and CreditorAccount sections.

Sequence Diagram

P2P Payment

Diagram source

``` participant PSU participant PISP participant ASPSP Authorisation Server participant ASPSP Resource Server note over PSU, ASPSP Resource Server Step 1: Agree Domestic Payment-Order initiation end note PSU <-> PISP: Initiate a funds transfer PSU -> PISP: Select debtor and creditor accounts note over PSU, ASPSP Resource Server Step 2: Setup Domestic Payment-Order Consent end note PISP <-> ASPSP Authorisation Server: Establish TLS 1.2 MA PISP -> ASPSP Authorisation Server: Initiate Client Credentials Grant ASPSP Authorisation Server -> PISP: access-token PISP <-> ASPSP Resource Server: Establish TLS 1.2 MA PISP -> ASPSP Resource Server: POST /domestic-payment-consents ASPSP Resource Server -> PISP: HTTP 201 (Created), ConsentId PISP -> PSU: HTTP 302 (Found), Redirect (ConsentId) note over PSU, ASPSP Resource Server Step 3: Authorize consent end note PSU -> ASPSP Authorisation Server: Follow redirect (ConsentId) PSU <-> ASPSP Authorisation Server: authenticate PSU <-> ASPSP Authorisation Server: SCA if required ASPSP Authorisation Server -> PSU: HTTP 302 (Found), Redirect (authorization-code) PSU -> PISP: Follow redirect (authorization-code) PISP <-> ASPSP Authorisation Server: Establish TLS 1.2 MA PISP -> ASPSP Authorisation Server: Exchange authorization-code for access token ASPSP Authorisation Server -> PISP: access-token note over PSU, ASPSP Resource Server Step 4: Create Domestic Payment-Order end note PISP <-> ASPSP Resource Server: Establish TLS 1.2 MA PISP -> ASPSP Resource Server: POST /domestic-payments ASPSP Resource Server -> PISP: HTTP 201 (Created), DomesticPaymentId note over PSU, ASPSP Resource Server Step 5: Get Domestic Payment-Order status end note opt PISP <-> ASPSP Resource Server: Establish TLS 1.2 MA PISP -> ASPSP Resource Server: GET /domestic-payments/{DomesticPaymentId} ASPSP Resource Server -> PISP: HTTP 200 (OK), domestic-payments resource end opt ```

Illustrative Interactions

POST /domestic-payment-consents request

POST /domestic-payment-consents HTTP/1.1
Authorization: Bearer 2YotnFZFEjr1zCsicMWpAA
x-idempotency-key: FRESCO.21302.GFX.20
x-jws-signature: TGlmZSdzIGEgam91cm5leSBub3QgYSBkZXN0aW5hdGlvbiA=..T2ggZ29vZCBldmVuaW5nIG1yIHR5bGVyIGdvaW5nIGRvd24gPw==
x-fapi-auth-date:  Sun, 10 Sep 2017 19:43:31 GMT
x-fapi-customer-ip-address: 104.25.212.99
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json
Accept: application/json

{
  "Data": {
    "Initiation": {
      "InstructionIdentification": "ANSM023",
      "EndToEndIdentification": "FRESCO.21302.GFX.37",
      "InstructedAmount": {
        "Amount": "20.00",
        "Currency": "GBP"
      },
      "DebtorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "11280001234567",
        "Name": "Andrea Smith"
      },
      "CreditorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080021325698",
        "Name": "Bob Clements"
      },
      "RemittanceInformation": {
        "Reference": "FRESCO-037",
        "Unstructured": "Internal ops code 5120103"
      }
    }
  },
  "Risk": {
    "PaymentContextCode": "PartyToParty"
  }
}

POST /domestic-payment-consents response

HTTP/1.1 201 Created
x-jws-signature: V2hhdCB3ZSBnb3QgaGVyZQ0K..aXMgZmFpbHVyZSB0byBjb21tdW5pY2F0ZQ0K
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json

{
  "Data": {
    "ConsentId": "7290",
    "Status": "AwaitingAuthorisation",
    "CreationDateTime": "2017-06-05T15:15:13+00:00",
    "StatusUpdateDateTime": "2017-06-05T15:15:13+00:00",
    "Initiation": {
      "InstructionIdentification": "ANSM023",
      "EndToEndIdentification": "FRESCO.21302.GFX.37",
      "InstructedAmount": {
        "Amount": "20.00",
        "Currency": "GBP"
      },
      "DebtorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "11280001234567",
        "Name": "Andrea Smith"
      },
      "CreditorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080021325698",
        "Name": "Bob Clements"
      },
      "RemittanceInformation": {
        "Reference": "FRESCO-037",
        "Unstructured": "Internal ops code 5120103"
      }
    }
  },
  "Risk": {
    "PaymentContextCode": "PartyToParty"
  },
  "Links": {
    "Self": "https://api.alphabank.com/open-banking/v3.1/pisp/domestic-payment-consents/7290"
  },
  "Meta": {}
}

Create Domestic Payment Order

POST /domestic-payments request

POST /domestic-payments HTTP/1.1
Authorization: Bearer 2YotnFZFEjr1zCsicMWpAA
x-idempotency-key: FRESNO.1317.GFX.22
x-jws-signature: TGlmZSdzIGEgam91cm5leSBub3QgYSBkZXN0aW5hdGlvbiA=..T2ggZ29vZCBldmVuaW5nIG1yIHR5bGVyIGdvaW5nIGRvd24gPw==
x-fapi-auth-date:  Sun, 10 Sep 2017 19:43:31 GMT
x-fapi-customer-ip-address: 104.25.212.99
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json
Accept: application/json

{
  "Data": {
    "ConsentId": "7290",
    "Initiation": {
      "InstructionIdentification": "ANSM023",
      "EndToEndIdentification": "FRESCO.21302.GFX.37",
      "InstructedAmount": {
        "Amount": "20.00",
        "Currency": "GBP"
      },
      "DebtorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "11280001234567",
        "Name": "Andrea Smith"
      },
      "CreditorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080021325698",
        "Name": "Bob Clements"
      },
      "RemittanceInformation": {
        "Reference": "FRESCO-037",
        "Unstructured": "Internal ops code 5120103"
      }
    }
  },
  "Risk": {
    "PaymentContextCode": "PartyToParty"
  }
}

POST /domestic-payments response

HTTP/1.1 201 Created
x-jws-signature: V2hhdCB3ZSBnb3QgaGVyZQ0K..aXMgZmFpbHVyZSB0byBjb21tdW5pY2F0ZQ0K
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json

{
  "Data": {
    "DomesticPaymentId": "7290-003",
    "ConsentId": "7290",
    "Status": "AcceptedSettlementInProcess",
    "CreationDateTime": "2017-06-05T15:15:22+00:00",
    "StatusUpdateDateTime": "2017-06-05T15:15:22+00:00",
    "Initiation": {
      "InstructionIdentification": "ANSM023",
      "EndToEndIdentification": "FRESCO.21302.GFX.37",
      "InstructedAmount": {
        "Amount": "20.00",
        "Currency": "GBP"
      },
      "DebtorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "11280001234567",
        "Name": "Andrea Smith"
      },
      "CreditorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080021325698",
        "Name": "Bob Clements"
      },
      "RemittanceInformation": {
        "Reference": "FRESCO-037",
        "Unstructured": "Internal ops code 5120103"
      }
    }
  },
  "Links": {
    "Self": "https://api.alphabank.com/open-banking/v3.1/pisp/domestic-payments/7290-003"
  },
  "Meta": {}
}

GET /domestic-payment-consents/{ConsentId} request

GET /domestic-payment-consents/7290 HTTP/1.1
Authorization: Bearer 2YotnFZFEjr1zCsicMWpAA
x-fapi-auth-date:  Sun, 10 Sep 2017 19:43:31 GMT
x-fapi-customer-ip-address: 104.25.212.99
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Accept: application/json

GET /domestic-payment-consents/{ConsentId} response

HTTP/1.1 200 OK
x-jws-signature: V2hhdCB3ZSBnb3QgaGVyZQ0K..aXMgZmFpbHVyZSB0byBjb21tdW5pY2F0ZQ0K
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json

{
  "Data": {
    "ConsentId": "7290",
    "Status": "Consumed",
    "CreationDateTime": "2017-06-05T15:15:13+00:00",
    "StatusUpdateDateTime": "2017-06-05T15:15:13+00:00",
    "Initiation": {
      "InstructionIdentification": "ANSM023",
      "EndToEndIdentification": "FRESCO.21302.GFX.37",
      "InstructedAmount": {
        "Amount": "20.00",
        "Currency": "GBP"
      },
      "DebtorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "11280001234567",
        "Name": "Andrea Smith"
      },
      "CreditorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080021325698",
        "Name": "Bob Clements"
      },
      "RemittanceInformation": {
        "Reference": "FRESCO-037",
        "Unstructured": "Internal ops code 5120103"
      }
    }
  },
  "Risk": {
    "PaymentContextCode": "PartyToParty"
  },
  "Links": {
    "Self": "https://api.alphabank.com/open-banking/v3.1/pisp/domestic-payment-consents/7290"
  },
  "Meta": {}
}

Get Domestic Payment Order

GET /domestic-payments/{DomesticPaymentId} request

GET /domestic-payments/7290-003 HTTP/1.1
Authorization: Bearer 2YotnFZFEjr1zCsicMWpAA
x-fapi-auth-date:  Sun, 10 Sep 2017 19:43:31 GMT
x-fapi-customer-ip-address: 104.25.212.99
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Accept: application/json

GET /domestic-payments/{DomesticPaymentId} response

HTTP/1.1 200 OK
x-jws-signature: V2hhdCB3ZSBnb3QgaGVyZQ0K..aXMgZmFpbHVyZSB0byBjb21tdW5pY2F0ZQ0K
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json

{
  "Data": {
    "DomesticPaymentId": "7290-003",
    "ConsentId": "7290",
    "Status": "AcceptedSettlementInProcess",
    "CreationDateTime": "2017-06-05T15:15:22+00:00",
    "StatusUpdateDateTime": "2017-06-05T15:15:22+00:00",
    "Initiation": {
      "InstructionIdentification": "ANSM023",
      "EndToEndIdentification": "FRESCO.21302.GFX.37",
      "InstructedAmount": {
        "Amount": "20.00",
        "Currency": "GBP"
      },
      "DebtorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "11280001234567",
        "Name": "Andrea Smith"
      },
      "CreditorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080021325698",
        "Name": "Bob Clements"
      },
      "RemittanceInformation": {
        "Reference": "FRESCO-037",
        "Unstructured": "Internal ops code 5120103"
      }
    }
  },
  "Links": {
    "Self": "https://api.alphabank.com/open-banking/v3.1/pisp/domestic-payments/7290-003"
  },
  "Meta": {}
}

Use of LocalInstrument and CutOffDateTime.

POST /domestic-payment-consents request

POST /domestic-payment-consents HTTP/1.1
Authorization: Bearer 2YotnFZFEjr1zCsicMWpAA
x-idempotency-key: FRESCO.21302.GFX.20
x-jws-signature: TGlmZSdzIGEgam91cm5leSBub3QgYSBkZXN0aW5hdGlvbiA=..T2ggZ29vZCBldmVuaW5nIG1yIHR5bGVyIGdvaW5nIGRvd24gPw==
x-fapi-auth-date:  Sun, 10 Sep 2017 19:43:31 GMT
x-fapi-customer-ip-address: 104.25.212.99
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json
Accept: application/json

{
  "Data": {
    "Initiation": {
      "InstructionIdentification": "ANSM023",
      "EndToEndIdentification": "FRESCO.21302.GFX.37",
      "LocalInstrument": "UK.OBIE.BACS",
      "InstructedAmount": {
        "Amount": "20.00",
        "Currency": "GBP"
      },
      "DebtorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "11280001234567",
        "Name": "Andrea Smith"
      },
      "CreditorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080021325698",
        "Name": "Bob Clements"
      },
      "RemittanceInformation": {
        "Reference": "FRESCO-037",
        "Unstructured": "Internal ops code 5120103"
      }
    }
  },
  "Risk": {
    "PaymentContextCode": "PartyToParty"
  }
}

POST /domestic-payment-consents response

HTTP/1.1 201 Created
x-jws-signature: V2hhdCB3ZSBnb3QgaGVyZQ0K..aXMgZmFpbHVyZSB0byBjb21tdW5pY2F0ZQ0K
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json

{
  "Data": {
    "ConsentId": "7290",
    "Status": "AwaitingAuthorisation",
    "CreationDateTime": "2017-06-05T15:15:13+00:00",
    "StatusUpdateDateTime": "2017-06-05T15:15:13+00:00",
    "CutOffDateTime":"2017-06-05T17:30:00+00:00",
    "Initiation": {
      "InstructionIdentification": "ANSM023",
      "EndToEndIdentification": "FRESCO.21302.GFX.37",
      "LocalInstrument": "UK.OBIE.BACS",
      "InstructedAmount": {
        "Amount": "20.00",
        "Currency": "GBP"
      },
      "DebtorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "11280001234567",
        "Name": "Andrea Smith"
      },
      "CreditorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080021325698",
        "Name": "Bob Clements"
      },
      "RemittanceInformation": {
        "Reference": "FRESCO-037",
        "Unstructured": "Internal ops code 5120103"
      }
    }
  },
  "Risk": {
    "PaymentContextCode": "PartyToParty"
  },
  "Links": {
    "Self": "https://api.alphabank.com/open-banking/v3.1/pisp/domestic-payment-consents/7290"
  },
  "Meta": {}
}

Use of LocalInstrument, CreditorPostalAddress, CutOffDateTime and Charges.

POST /domestic-payment-consents request

POST /domestic-payment-consents HTTP/1.1
Authorization: Bearer 2YotnFZFEjr1zCsicMWpAA
x-idempotency-key: FRESCO.21302.GFX.20
x-jws-signature: TGlmZSdzIGEgam91cm5leSBub3QgYSBkZXN0aW5hdGlvbiA=..T2ggZ29vZCBldmVuaW5nIG1yIHR5bGVyIGdvaW5nIGRvd24gPw==
x-fapi-auth-date:  Sun, 10 Sep 2017 19:43:31 GMT
x-fapi-customer-ip-address: 104.25.212.99
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json
Accept: application/json

{
  "Data": {
    "Initiation": {
      "InstructionIdentification": "ANSM023",
      "EndToEndIdentification": "FRESCO.21302.GFX.37",
      "LocalInstrument": "UK.OBIE.CHAPS",
      "InstructedAmount": {
        "Amount": "20.00",
        "Currency": "GBP"
      },
      "DebtorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "11280001234567",
        "Name": "Andrea Smith"
      },
      "CreditorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080021325698",
        "Name": "Bob Clements"
      },
      "CreditorPostalAddress": {
        "AddressType": "Correspondence",
        "StreetName": "Liberty",
        "BuildingNumber":"1",
        "PostCode":"AB1 2CD",
        "TownName":"London",
        "Country":"UK"
      },
      "RemittanceInformation": {
        "Reference": "FRESCO-037",
        "Unstructured": "Internal ops code 5120103"
      }
    }
  },
  "Risk": {
    "PaymentContextCode": "PartyToParty"
  }
}

POST /domestic-payment-consents response

HTTP/1.1 201 Created
x-jws-signature: V2hhdCB3ZSBnb3QgaGVyZQ0K..aXMgZmFpbHVyZSB0byBjb21tdW5pY2F0ZQ0K
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json

{
   "Data":{
      "ConsentId":"7290",
      "Status":"AwaitingAuthorisation",
      "CreationDateTime":"2017-06-05T15:15:13+00:00",
      "StatusUpdateDateTime":"2017-06-05T15:15:13+00:00",
      "CutOffDateTime":"2017-06-05T17:30:00+00:00",
      "Initiation":{
         "InstructionIdentification":"ANSM023",
         "EndToEndIdentification":"FRESCO.21302.GFX.37",
         "LocalInstrument":"UK.OBIE.CHAPS",
         "InstructedAmount":{
            "Amount":"20.00",
            "Currency":"GBP"
         },
         "DebtorAccount":{
            "SchemeName":"UK.OBIE.SortCodeAccountNumber",
            "Identification":"11280001234567",
            "Name":"Andrea Smith"
         },
         "CreditorAccount":{
            "SchemeName":"UK.OBIE.SortCodeAccountNumber",
            "Identification":"08080021325698",
            "Name":"Bob Clements"
         },
        "CreditorPostalAddress": {
            "AddressType": "Correspondence",
            "StreetName": "Liberty",
            "BuildingNumber":"1",
            "PostCode":"AB1 2CD",
            "TownName":"London",
            "Country":"UK"
         },
         "RemittanceInformation":{
            "Reference":"FRESCO-037",
            "Unstructured":"Internal ops code 5120103"
         }
      },
      "Charges":[
         {
            "ChargeBearer":"BorneByDebtor",
            "Type":"UK.OBIE.ChapsOut",
            "Amount":{
               "Amount":"30.00",
               "Currency":"GBP"
            }
         }
      ]
   },
   "Risk":{
      "PaymentContextCode":"PartyToParty"
   },
   "Links":{
      "Self":"https://api.alphabank.com/open-banking/v3.1/pisp/domestic-payment-consents/7290"
   },
   "Meta":{}
}

Balance Transfer

Below in an example illustrating a balance transfer offer available on a Card A.

To facilitate a Balance Transfer, a PISP can initiate a Payment from Card B to Card A with LocalInstrument as UK.OBIE.BalanceTransfer, Account SchemeName as UK.OBIE.PAN and if there is an Offer Code/Id provided by Issuer of the Card A, then it can be supplied in the field: RemittanceInformation.Reference. Example below:

POST /domestic-payment-consents request

POST /domestic-payment-consents HTTP/1.1
Authorization: Bearer 2YotnFZFEjr1zCsicMWpAA
x-idempotency-key: FRESCO.21302.GFX.20
x-jws-signature: TGlmZSdzIGEgam91cm5leSBub3QgYSBkZXN0aW5hdGlvbiA=..T2ggZ29vZCBldmVuaW5nIG1yIHR5bGVyIGdvaW5nIGRvd24gPw==
x-fapi-auth-date:  Sun, 10 Sep 2017 19:43:31 GMT
x-fapi-customer-ip-address: 104.25.212.99
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json
Accept: application/json

{
    "Data": {
        "Initiation": {
            "InstructionIdentification": "ANSM023",
            "EndToEndIdentification": "FRESCO.21302.GFX.37",
            "LocalInstrument": "UK.OBIE.BalanceTransfer",
            "InstructedAmount": {
                "Amount": "3000.00",
                "Currency": "GBP"
            },
            "DebtorAccount": {
                "SchemeName": "UK.OBIE.PAN",
                "Identification": "5555555555554444",
                "Name": "Andrea Smith"
            },
            "CreditorAccount": {
                "SchemeName": "UK.OBIE.PAN",
                "Identification": "4444333322221111",
                "Name": "Andrea Smith"
            },
            "RemittanceInformation": {
                "Reference": "BT-OfferCode-12",
                "Unstructured": "Internal ops code 5120103"
            }
        }
    },
    "Risk": {
        "PaymentContextCode": "PartyToParty"
    }
}

POST /domestic-payment-consents response

HTTP/1.1 201 Created
x-jws-signature: V2hhdCB3ZSBnb3QgaGVyZQ0K..aXMgZmFpbHVyZSB0byBjb21tdW5pY2F0ZQ0K
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json

{
    "Data": {
        "ConsentId": "7290",
        "Status": "AwaitingAuthorisation",
        "CreationDateTime": "2017-06-05T15:15:13+00:00",
        "StatusUpdateDateTime": "2017-06-05T15:15:13+00:00",
        "CutOffDateTime": "2017-06-05T17:30:00+00:00",
        "Initiation": {
            "InstructionIdentification": "ANSM023",
            "EndToEndIdentification": "FRESCO.21302.GFX.37",
            "LocalInstrument": "UK.OBIE.BalanceTransfer",
            "InstructedAmount": {
                "Amount": "3000.00",
                "Currency": "GBP"
            },
            "DebtorAccount": {
                "SchemeName": "UK.OBIE.PAN",
                "Identification": "5555555555554444",
                "Name": "Andrea Smith"
            },
            "CreditorAccount": {
                "SchemeName": "UK.OBIE.PAN",
                "Identification": "4444333322221111",
                "Name": "Andrea Smith"
            },
            "RemittanceInformation": {
                "Reference": "BT-OfferCode-12",
                "Unstructured": "Internal ops code 5120103"
            }
        }
    },
    "Risk": {
        "PaymentContextCode": "PartyToParty"
    },
    "Links": {
        "Self": "https://api.alphabank.com/open-banking/v3.1/pisp/domestic-payment-consents/7290"
    },
    "Meta": {}
}

Money Transfer

Below in an example illustrating Money transfer from a card account to a bank account.

POST /domestic-payment-consents request

POST /domestic-payment-consents HTTP/1.1
Authorization: Bearer 2YotnFZFEjr1zCsicMWpAA
x-idempotency-key: FRESCO.21302.GFX.20
x-jws-signature: TGlmZSdzIGEgam91cm5leSBub3QgYSBkZXN0aW5hdGlvbiA=..T2ggZ29vZCBldmVuaW5nIG1yIHR5bGVyIGdvaW5nIGRvd24gPw==
x-fapi-auth-date:  Sun, 10 Sep 2017 19:43:31 GMT
x-fapi-customer-ip-address: 104.25.212.99
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json
Accept: application/json

{
    "Data": {
        "Initiation": {
            "InstructionIdentification": "ANSM023",
            "EndToEndIdentification": "FRESCO.21302.GFX.37",
            "LocalInstrument": "UK.OBIE.MoneyTransfer",
            "InstructedAmount": {
                "Amount": "3000.00",
                "Currency": "GBP"
            },
            "DebtorAccount": {
                "SchemeName": "UK.OBIE.PAN",
                "Identification": "5555555555554444",
                "Name": "Andrea Smith"
            },
            "CreditorAccount": {
                "SchemeName": "UK.OBIE.SortCodeAccountNumber",
                "Identification": "11280001234567",
                "Name": "Andrea Smith"
            },
            "RemittanceInformation": {
                "Reference": "MT-OfferCode-24",
                "Unstructured": "Internal ops code 5120103"
            }
        }
    },
    "Risk": {
        "PaymentContextCode": "PartyToParty"
    }
}

POST /domestic-payment-consents response

HTTP/1.1 201 Created
x-jws-signature: V2hhdCB3ZSBnb3QgaGVyZQ0K..aXMgZmFpbHVyZSB0byBjb21tdW5pY2F0ZQ0K
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json

{
    "Data": {
        "ConsentId": "7290",
        "Status": "AwaitingAuthorisation",
        "CreationDateTime": "2017-06-05T15:15:13+00:00",
        "StatusUpdateDateTime": "2017-06-05T15:15:13+00:00",
        "CutOffDateTime": "2017-06-05T17:30:00+00:00",
        "Initiation": {
            "InstructionIdentification": "ANSM023",
            "EndToEndIdentification": "FRESCO.21302.GFX.37",
            "LocalInstrument": "UK.OBIE.MoneyTransfer",
            "InstructedAmount": {
                "Amount": "3000.00",
                "Currency": "GBP"
            },
            "DebtorAccount": {
                "SchemeName": "UK.OBIE.PAN",
                "Identification": "5555555555554444",
                "Name": "Andrea Smith"
            },
            "CreditorAccount": {
                "SchemeName": "UK.OBIE.SortCodeAccountNumber",
                "Identification": "11280001234567",
                "Name": "Andrea Smith"
            },
            "RemittanceInformation": {
                "Reference": "MT-OfferCode-24",
                "Unstructured": "Internal ops code 5120103"
            }
        }
    },
    "Risk": {
        "PaymentContextCode": "PartyToParty"
    },
    "Links": {
        "Self": "https://api.alphabank.com/open-banking/v3.1/pisp/domestic-payment-consents/7290"
    },
    "Meta": {}
}

Domestic Payment Usage Examples - v3.1.2

Merchant Initiation via PISP

Sequence Diagram

Illustrative Interactions

Create Domestic Payment Order Consent

POST /domestic-payment-consents request

POST /domestic-payment-consents response

Confirm Funds on Domestic Payment Order Consent

GET /domestic-payment-consents/{ConsentId}/funds-confirmation Request

GET /domestic-payment-consents/{ConsentId}/funds-confirmation Response

Create Domestic Payment Order

POST /domestic-payments Request

POST /domestic-payments Response

Get Domestic Payment Order Consent

GET /domestic-payment-consents/{ConsentId} Request

GET /domestic-payment-consents/{ConsentId} Response

Get Domestic Payment Order

GET /domestic-payments/{DomesticPaymentId} Request

GET /domestic-payments/{DomesticPaymentId} Response

Person To Person Initiation via PISP

Sequence Diagram

Illustrative Interactions

Create Domestic Payment Order Consent

POST /domestic-payment-consents request

POST /domestic-payment-consents response

Create Domestic Payment Order

POST /domestic-payments request

POST /domestic-payments response

Get Domestic Payment Order Consent

GET /domestic-payment-consents/{ConsentId} request

GET /domestic-payment-consents/{ConsentId} response

Get Domestic Payment Order

GET /domestic-payments/{DomesticPaymentId} request

GET /domestic-payments/{DomesticPaymentId} response

BACS Payment Order Consent

POST /domestic-payment-consents request

POST /domestic-payment-consents response

CHAPS Payment Order Consent

POST /domestic-payment-consents request

POST /domestic-payment-consents response

Balance Transfer

POST /domestic-payment-consents request

POST /domestic-payment-consents response

Money Transfer

POST /domestic-payment-consents request

POST /domestic-payment-consents response