Domestic Scheduled Payments - v3.1.4

# Overview

The Domestic Scheduled Payments resource is used by a PISP to initiate a Domestic Scheduled Payment.

This resource description should be read in conjunction with a compatible Payment Initiation API Profile.

# Endpoints

Resource HTTP Operation Endpoint Mandatory ? Scope Grant Type Message Signing Idempotency Key Request Object Response Object
domestic-scheduled-payments POST POST /domestic-scheduled-payments Conditional payments Authorization Code Signed Request Signed Response Yes OBWriteDomesticScheduled2 OBWriteDomesticScheduledResponse4
domestic-scheduled-payments GET GET /domestic-scheduled-payments/{DomesticScheduledPaymentId} Mandatory (if resource POST implemented) payments Client Credentials Signed Response No NA OBWriteDomesticScheduledResponse4
payment-details GET GET /domestic-scheduled-payments/{DomesticScheduledPaymentId}/payment-details Optional payments Client Credentials Signed Response No NA OBWritePaymentDetailsResponse1

# POST /domestic-scheduled-payments

Once the domestic-scheduled-payment-consent has been authorised by the PSU, the PISP can proceed to submitting the domestic-scheduled-payment for processing:

  • This is done by making a POST request to the domestic-scheduled-payments endpoint.
  • This request is an instruction to the ASPSP to begin the domestic scheduled payment journey. The PISP must submit the domestic scheduled payment immediately, however, there are some scenarios where the ASPSP may not warehouse the domestic scheduled payment immediately (e.g., busy periods at the ASPSP)
  • The PISP must ensure that the Initiation and Risk sections of the domestic-scheduled-payment match the corresponding Initiation and Risk sections of the domestic-scheduled-payment-consent resource. If the two do not match, the ASPSP must not process the request and must respond with a 400 (Bad Request).
  • Any operations on the domestic-scheduled-payment resource will not result in a Status change for the domestic-scheduled-payment resource.

# Status

A domestic-scheduled-payment can only be created if its corresponding domestic-scheduled-payment-consent resource has the status of "Authorised".

The domestic-scheduled-payment resource that is created successfully must have one of the following Status codes:

Status
InitiationPending
InitiationFailed
InitiationCompleted

# GET /domestic-scheduled-payments/{DomesticScheduledPaymentId}

A PISP can retrieve the domestic-scheduled-payment to check its status.

# Status

The domestic-scheduled-payment resource must have one of the following Status codes:

Status
InitiationPending
InitiationFailed
InitiationCompleted
Cancelled

# GET /domestic-scheduled-payments/{DomesticScheduledPaymentId}/payment-details

A PISP can retrieve the Details of the underlying payment transaction via this endpoint. This resource allows ASPSPs to return richer list of Payment Statuses, and if available payment scheme related statuses.

# Status

The domestic-scheduled-payments - payment-details must have one of the following PaymentStatusCode code-set enumerations:

Status
Accepted
AcceptedCancellationRequest
AcceptedTechnicalValidation
AcceptedCustomerProfile
AcceptedFundsChecked
AcceptedWithChange
Pending
Rejected
AcceptedSettlementInProcess
AcceptedSettlementCompleted
AcceptedWithoutPosting
AcceptedCreditSettlementCompleted
Cancelled
NoCancellationProcess
PartiallyAcceptedCancellationRequest
PartiallyAcceptedTechnicalCorrect
PaymentCancelled
PendingCancellationRequest
Received
RejectedCancellationRequest

# State Model

# Payment Order

The state model for the domestic-scheduled-payment resource describes the initiation status only. I.e., not the subsequent execution of the domestic-scheduled-payment.

Payment Order

The definitions for the Status:

Status Payment Status Description
1 InitiationPending The initiation of the payment order is pending.
2 InitiationFailed The initiation of the payment order has failed.
3 InitiationCompleted The initiation of the payment order is complete.
4 Cancelled Payment initiation has been successfully cancelled after having received a request for cancellation.
# Multiple Authorisation

If the payment-order requires multiple authorisations, the Status of the multiple authorisations will be updated in the MultiAuthorisation object.

Multi Authorisation

The definitions for the Status:

Status Status Description
1 AwaitingFurtherAuthorisation The payment-order resource is awaiting further authorisation.
2 Rejected The payment-order resource has been rejected by an authoriser.
3 Authorised The payment-order resource has been successfully authorised by all required authorisers.

# Data Model

The data dictionary section gives the detail on the payload content for the Domestic Scheduled Payment API flows.

# Reused Classes

# OBDomesticScheduled2

The OBDomesticScheduled2 class is defined in the domestic-scheduled-payment-consents page.

# Domestic Scheduled Payment - Request

The OBWriteDomesticScheduled2 object will be used for a call to:

  • POST /domestic-scheduled-payments

# UML Diagram

Domestic Scheduled Payment - Request

# Notes

The domestic-scheduled-payment request object contains the:

  • ConsentId.
  • The full Initiation and Risk objects from the domestic-scheduled-payment-consent request.

The Initiation and Risk sections of the domestic-scheduled-payment request must match the Initiation and Risk sections of the corresponding domestic-scheduled-payment-consent request.

# Data Dictionary

Name Occurrence XPath EnhancedDefinition Class Codes Pattern
OBWriteDomesticScheduled2 OBWriteDomesticScheduled2 OBWriteDomesticScheduled2
Data 1..1 OBWriteDomesticScheduled2/Data OBWriteDataDomesticScheduled2
ConsentId 1..1 OBWriteDomesticScheduled2/Data/ConsentId OB: Unique identification as assigned by the ASPSP to uniquely identify the consent resource. Max128Text
Initiation 1..1 OBWriteDomesticScheduled2/Data/Initiation The Initiation payload is sent by the initiating party to the ASPSP. It is used to request movement of funds from the debtor account to a creditor for a single scheduled domestic payment. OBDomesticScheduled2
Risk 1..1 OBWriteDomesticScheduled2/Risk The Risk section is sent by the initiating party to the ASPSP. It is used to specify additional details for risk scoring for Payments. OBRisk1

# Domestic Scheduled Payment - Response

The OBWriteDomesticScheduledResponse4 object will be used for a response to a call to:

  • POST /domestic-scheduled-payments
  • GET /domestic-scheduled-payments/{DomesticScheduledPaymentId}

# UML Diagram

Domestic Scheduled Payment - Response

# Notes

The domestic-scheduled-payment response object contains the:

  • DomesticScheduledPaymentId.
  • ConsentId.
  • CreationDateTime the domestic-scheduled-payment resource was created.
  • Status and StatusUpdateDateTime of the domestic-scheduled-payment resource.
  • ExpectedExecutionDateTime for the domestic-scheduled-payment resource.
  • ExpectedSettlementDateTime for the domestic-scheduled-payment resource.
  • Refund account details, if requested by PISP as part of the domestic-payment-consents resource.
  • Charges array - for the breakdown of applicable ASPSP charges.
  • The Initiation object from the domestic-scheduled-payment-consent.
  • The MultiAuthorisation object if the domestic-scheduled-payment resource requires multiple authorisations.

# Data Dictionary

Name Occurrence XPath EnhancedDefinition Class Codes Pattern
OBWriteDomesticScheduledResponse4 OBWriteDomesticScheduledResponse4 OBWriteDomesticScheduledResponse4
Data 1..1 OBWriteDomesticScheduledResponse4/Data OBWriteDataDomesticScheduledResponse4
DomesticScheduledPaymentId 1..1 OBWriteDomesticScheduledResponse4/Data/DomesticScheduledPaymentId OB: Unique identification as assigned by the ASPSP to uniquely identify the domestic schedule payment resource. Max40Text
ConsentId 1..1 OBWriteDomesticScheduledResponse4/Data/ConsentId OB: Unique identification as assigned by the ASPSP to uniquely identify the consent resource. Max128Text
CreationDateTime 1..1 OBWriteDomesticScheduledResponse4/Data/CreationDateTime Date and time at which the message was created. ISODateTime
Status 1..1 OBWriteDomesticScheduledResponse4/Data/Status Specifies the status of the payment order resource. OBExternalStatus3Code InitiationCompleted InitiationFailed InitiationPending Cancelled
StatusUpdateDateTime 1..1 OBWriteDomesticScheduledResponse4/Data/StatusUpdateDateTime Date and time at which the resource status was updated. ISODateTime
ExpectedExecutionDateTime 0..1 OBWriteDomesticScheduledResponse4/Data/ExpectedExecutionDateTime Expected execution date and time for the payment resource. ISODateTime
ExpectedSettlementDateTime 0..1 OBWriteDomesticScheduledResponse4/Data/ExpectedSettlementDateTime Expected settlement date and time for the payment resource. ISODateTime
Refund 0..1 OBWriteDomesticScheduledResponse4/Data/Refund Unambiguous identification of the refund account to which a refund will be made as a result of the transaction. OBDomesticRefundAccount1
Charges 0..n OBWriteDomesticScheduledResponse4/Data/Charges Set of elements used to provide details of a charge for the payment initiation. OBCharge2
Initiation 1..1 OBWriteDomesticScheduledResponse4/Data/Initiation The Initiation payload is sent by the initiating party to the ASPSP. It is used to request movement of funds from the debtor account to a creditor for a single scheduled domestic payment. OBDomesticScheduled2
MultiAuthorisation 0..1 OBWriteDomesticScheduledResponse4/Data/MultiAuthorisation The multiple authorisation flow response from the ASPSP. OBMultiAuthorisation1

# Domestic Schedule Payment Order - Payment Details - Response

The OBWritePaymentDetailsResponse1 object will be used for a response to a call to:

  • GET /domestic-scheduled-payments/{DomesticScheduledPaymentId}/payment-details

# UML Diagram

Domestic Schedule Payment Order - Payment Details - Response

# Data Dictionary

Name Occurrence XPath EnhancedDefinition Class Codes Pattern
OBWritePaymentDetailsResponse1 OBWritePaymentDetailsResponse1 OBWritePaymentDetailsResponse1
Data 1..1 OBWritePaymentDetailsResponse1/Data OBWriteDataPaymentOrderStatusResponse1
PaymentStatus 0..unbounded OBWritePaymentDetailsResponse1/Data/PaymentStatus Payment status details. OBWritePaymentDetails1

# Usage Examples

# Create a Domestic Scheduled Payment

# POST /domestic-scheduled-payments Request
POST /domestic-scheduled-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": "89f0a53a91ee47f6a383536f851d6b5a",
      "RequestedExecutionDateTime": "2018-08-06T00:00:00+00:00",
      "InstructedAmount": {
        "Amount": "200.00",
        "Currency": "GBP"
      },
      "DebtorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "11280001234567",
        "Name": "Andrea Frost"
      },
      "CreditorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080021325698",
        "Name": "Tom Kirkman"
      },
      "RemittanceInformation": {
        "Reference": "DSR-037",
        "Unstructured": "Internal ops code 5120103"
      }
    }
  },
  "Risk": {
    "PaymentContextCode": "PartyToParty"
  }
}
# POST /domestic-scheduled-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": {
    "DomesticScheduledPaymentId": "7290-003",
    "ConsentId": "7290",
    "Status": "InitiationPending",
    "CreationDateTime": "2018-05-05T15:15:13+00:00",
    "StatusUpdateDateTime": "2018-05-05T15:15:13+00:00",
    "Refund": {
      "Account": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080021325677",
        "Name": "NTPC Inc"
      }
    },
    "Initiation": {
      "InstructionIdentification": "89f0a53a91ee47f6a383536f851d6b5a",
      "RequestedExecutionDateTime": "2018-08-06T00:00:00+00:00",
      "InstructedAmount": {
        "Amount": "200.00",
        "Currency": "GBP"
      },
      "DebtorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "11280001234567",
        "Name": "Andrea Frost"
      },
      "CreditorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080021325698",
        "Name": "Tom Kirkman"
      },
      "RemittanceInformation": {
        "Reference": "DSR-037",
        "Unstructured": "Internal ops code 5120103"
      }
    }
  },
  "Links": {
    "Self": "https://api.alphabank.com/open-banking/v3.1/pisp/domestic-scheduled-payments/7290-003"
  },
  "Meta": {}
}