Standing Orders - v3.1.2

1. Overview
2. Endpoints
   1. GET /accounts/{AccountId}/standing-orders
   2. GET /standing-orders
3. Data Model
   1. Resource Definition
   2. UML Diagram
   3. Notes
   4. Frequency Examples
   5. Permission Codes
   6. Data Dictionary
4. Usage Examples
   1. Specific Account
      1. Get Accounts Standing Orders Request
      2. Get Accounts Standing Orders Response
   2. Bulk
      1. Get Standing Orders Request
      2. Get Standing Orders Response

Overview

The standing-orders resource is used by an AISP to retrieve the standing orders for a specific AccountId or to retrieve the standing orders in bulk for all the accounts that the PSU has consented to.

This resource description should be read in conjunction with a compatible Account Information Services API Profile.

Endpoints

Endpoints for the resource and available methods.

GET /accounts/{AccountId}/standing-orders

An AISP may retrieve the standing-order resource for a specific AccountId (which is retrieved in the call to GET /accounts).

GET /standing-orders

If an ASPSP has implemented the bulk retrieval endpoints, an AISP may optionally retrieve the standing-order resources in bulk. This will retrieve the resources for all authorised accounts linked to the account-request.

Data Model

The OBReadStandingOrder5 object will be used for the call to:

• GET /accounts/{AccountId}/standing-orders
• GET /standing-orders

Resource Definition

A resource that contains a set of elements that describes the list of standing-orders that have been set up on a specific account (AccountId). An account (AccountId) may have no standing orders set up, or may have multiple standing orders set up.

UML Diagram

Notes

• The Creditor Account and CreditorAgent blocks replicate what is used consistently throughout the Account Information APIs to identify an account.
• For the /accounts/{AccountId}/standing-orders endpoint, the Creditor Account and CreditorAgent blocks represent the account that is receiving funds (so has been named the CreditorAccount for consistency with the PISP use case).
• A DateTime element has been used so that there is consistency across all API endpoints using dates. Where time elements do not exist in ASPSP systems, the time portion of the DateTime element will be defaulted to 00:00:00+00:00.
• The Amount elements all have embedded Currency elements for consistency is ISO 20022, and across the other API endpoints.

Frequency Examples

Permission Codes

The resource differs depending on the permissions (ReadStandingOrdersBasic and ReadStandingOrdersDetail) used to access resource. In the event the resource is accessed with both ReadStandingOrdersBasic and ReadStandingOrdersDetail, the most detailed level (ReadStandingOrdersDetail) must be used.

• These objects must not be returned without the ReadStandingOrdersDetail permission:
  • OBReadStandingOrder5/Data/StandingOrder/CreditorAgent
  • OBReadStandingOrder5/Data/StandingOrder/CreditorAccount
• If the ReadStandingOrdersDetail is granted by the PSU:
  • OBReadStandingOrder5/Data/StandingOrder/CreditorAgent may be returned if applicable to the account and ASPSP (0..1)
  • OBReadStandingOrder5/Data/StandingOrder/CreditorAccount must be returned (1..1)

If the ReadPAN permission is granted by the PSU, the ASPSP may choose to populate the OBReadStandingOrder5/Data/StandingOrder/CreditorAccount/Identification with the unmasked PAN (if the PAN is being populated in the response).

Data Dictionary

Usage Examples

Specific Account

Get Accounts Standing Orders Request

GET /accounts/22289/standing-orders HTTP/1.1
Authorization: Bearer Az90SAOJklae
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 Accounts Standing Orders Response

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

{
  "Data": {
    "StandingOrder": [
      {
        "AccountId": "22289",
        "StandingOrderId": "Ben3",
        "Frequency": "EvryWorkgDay",
        "Reference": "Towbar Club 2 - We Love Towbars",
        "FirstPaymentDateTime": "2017-08-12T00:00:00+00:00",
        "FirstPaymentAmount": {
          "Amount": "0.57",
          "Currency": "GBP"
        },
        "NextPaymentDateTime": "2017-08-13T00:00:00+00:00",
        "NextPaymentAmount": {
          "Amount": "0.56",
          "Currency": "GBP"
        },
        "FinalPaymentDateTime": "2027-08-12T00:00:00+00:00",
        "FinalPaymentAmount": {
          "Amount": "0.56",
          "Currency": "GBP"
        },
        "StandingOrderStatusCode": "Active",
        "CreditorAccount": {
          "SchemeName": "UK.OBIE.SortCodeAccountNumber",
          "Identification": "80200112345678",
          "Name": "Mrs Juniper"
        }
      }
    ]
  },
  "Links": {
    "Self": "https://api.alphabank.com/open-banking/v3.1/aisp/accounts/22289/standing-orders/"
  },
  "Meta": {
    "TotalPages": 1
  }
}

Bulk

Get Standing Orders Request

GET /standing-orders HTTP/1.1
Authorization: Bearer Az90SAOJklae
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 Standing Orders Response

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

{
  "Data": {
    "StandingOrder": [
      {
        "AccountId": "22289",
        "StandingOrderId": "Ben3",
        "Frequency": "EvryWorkgDay",
        "Reference": "Towbar Club 2 - We Love Towbars",
        "FirstPaymentDateTime": "2017-08-12T00:00:00+00:00",
        "FirstPaymentAmount": {
          "Amount": "0.57",
          "Currency": "GBP"
        },
        "NextPaymentDateTime": "2017-08-13T00:00:00+00:00",
        "NextPaymentAmount": {
          "Amount": "0.56",
          "Currency": "GBP"
        },
        "FinalPaymentDateTime": "2027-08-12T00:00:00+00:00",
        "FinalPaymentAmount": {
          "Amount": "0.56",
          "Currency": "GBP"
        },
        "StandingOrderStatusCode": "Active",
        "CreditorAccount": {
          "SchemeName": "UK.OBIE.SortCodeAccountNumber",
          "Identification": "80200112345678",
          "Name": "Mrs Juniper"
        }
      },
      {
        "AccountId": "22289",
        "StandingOrderId": "Ben5",
        "Frequency": "WkinMnthDay(2)",
        "Reference": "Golf - We Love Golf",
        "FirstPaymentDateTime": "2017-06-12T00:00:00+00:00",
        "FirstPaymentAmount": {
          "Amount": "23.00",
          "Currency": "GBP"
        },
        "NextPaymentDateTime": "2017-07-12T00:00:00+00:00",
        "NextPaymentAmount": {
          "Amount": "23.00",
          "Currency": "GBP"
        },
        "FinalPaymentDateTime": "2018-06-12T00:00:00+00:00",
        "FinalPaymentAmount": {
          "Amount": "23.00",
          "Currency": "GBP"
        },
        "StandingOrderStatusCode": "Active",
        "CreditorAccount": {
          "SchemeName": "UK.OBIE.SortCodeAccountNumber",
          "Identification": "23605490179017",
          "Name": "Mr Tee"
        }
      }
    ]
  },
  "Links": {
    "Self": "https://api.alphabank.com/open-banking/v3.1/aisp/standing-orders/"
  },
  "Meta": {
    "TotalPages": 1
  }
}