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# Payment Initiation API Profile - v3.1.7

# Overview

The Payment Initiation API Profile describes the flows and common functionality for the Payment Initiation API, which allows a Payment Initiation Service Provider ('PISP') to:

  • Register an intent to stage a payment-order consent.
  • Optionally confirm available funds for a payment-order
    • Domestic immediate, international immediate and international scheduled (immediate debit) payments only.
  • Subsequently submit the payment-order for processing.
  • Optionally retrieve the status of a payment-order consent or payment-order resource.

This profile should be read in conjunction with a compatible Read/Write Data API Profile which provides a description of the elements that are common across all the Read/Write Data APIs, and compatible individual resources.

# Document Overview

This document consists of the following parts:

Overview: Provides an overview of the profile.

Basics: Identifies the flows, restrictions and release management.

Security & Access Control: Specifies the means for PISPs and PSUs to authenticate themselves and provide consent.

Data Model: Documents mappings and enumerations that apply to all the end-points.

Alternative Flows: Documents rules for alternative flows.

# Resources

Each of the Payment Initiation API resources are documented in the Resources and Data Models/PISP area of the specification. Each resource is documented with:

  • Endpoints
    • The API endpoints available for the resource.
  • Data Model
    • Resource definition.
    • UML diagram.
    • Permissions as they relate to accessing the resource.
    • Data dictionary - which defines fields, re-usable classes, mandatory (1..1) or conditional (0..1) as defined in the Design Principles section, and enumerations.
  • Usage Examples

# Design Principles

# Scheme Agnostic

The API has been be designed so that it is agnostic to the underlying payment scheme that is responsible for carrying out the payment.

In doing so, this means we will not design field lengths and payloads to only match the Faster Payments message, and will instead rely on the field lengths and definitions in ISO 20022. Due diligence has been carried out to ensure that the API has the necessary fields to function with Bacs payments as per the agreed scope.

Further mapping guidance has been provided to ensure that differences are understood between the Open Banking Payment API standard, and other message formats in the Domestic Payment Message Formats sub-page.

# Status Codes

The API uses two status codes that serve two different purposes:

  • The HTTP Status Code reflects the outcome of the API call (the HTTP operation on the resource).
  • The Status field for the payment-order consent reflects the status of the PSU consent authorisation.
  • The Status field for the payment-order resource reflects the status of the payment-order initiation or execution.

# Basics

# Overview

The figure below provides a general outline of a payment flow for all payment-order types using the Payment APIs. The payment-order types covered in this profile include:

  • Domestic payments.
  • Domestic scheduled payments.
  • Domestic standing orders.
  • International payments.
  • International scheduled payments.

The payment-order consent and payment-order resource in the following flow generalises for the different payment-order types. e.g. for a domestic payment, the payment-order consent resource is domestic-payment-consents; and the payment-order resource is domestic-payments.

Payments Flow

# Steps

Step 1: Agree Payment-Order Initiation

  • This flow begins with a PSU consenting to a payment being made. The consent is between the PSU and the PISP.
  • The debtor account details can optionally be specified at this stage.

Step 2: Setup Payment-Order Consent

  • The PISP connects to the ASPSP that services the PSU's payment account and creates a new payment-order consent resource. This informs the ASPSP that one of its PSUs intends to make a payment-order. The ASPSP responds with an identifier for the payment-order consent resource (the ConsentId, which is the intent identifier).
  • This step is carried out by making a POST request to the payment-order consent resource.

Step 3: Authorise Consent

  • The PISP requests the PSU to authorise the consent. The ASPSP may carry this out by using a redirection flow or a decoupled flow.
    • In a redirection flow, the PISP redirects the PSU to the ASPSP.
      • The redirect includes the ConsentId generated in the previous step.
      • This allows the ASPSP to correlate the payment order consent that was setup.
      • The ASPSP authenticates the PSU.
      • The PSU selects the debtor account at this stage (if it has not been previously specified in Step 1).
      • The ASPSP updates the state of the payment order consent resource internally to indicate that the consent has been authorised.
      • Once the consent has been authorised, the PSU is redirected back to the PISP.
    • In a decoupled flow, the ASPSP requests the PSU to authorise consent on an authentication device that is separate from the consumption device on which the PSU is interacting with the PISP.
      • The decoupled flow is initiated by the PISP calling a back-channel authorisation request.
      • The request contains a 'hint' that identifies the PSU paired with the consent to be authorised.
      • The ASPSP authenticates the PSU
      • The PSU selects the debtor account at this stage (if it has not been previously specified in Step 1)
      • The ASPSP updates the state of the payment order consent resource internally to indicate that the consent has been authorised.
      • Once the consent has been authorised, the ASPSP can make a callback to the PISP to provide an access token.

Step 4: Confirm Funds (Domestic and International Single Immediate Payments Only)

  • Once the PSU is authenticated and authorised the payment-order-consent , the PISP can check whether funds are available to make the payment.
  • This is carried out by making a GET request, calling the funds-confirmation operator on the payment-order-consent resource.

Step 5: Create Payment-Order

  • The PISP creates a payment-order resource to indicate that the payment created in the steps above should be submitted for processing.
  • This is carried out by making a POST request to the appropriate payment-order resource.
  • The ASPSP returns the identifier for the payment-order resource to the PISP.

Step 6: Get Consent/Payment-Order/Payment-Details Status

  • The PISP can check the status of the payment-order consent (with the ConsentId) or payment-order resource (with the payment-order resource identifier) or payment-details(with the payment-order resource identifier) .
  • This is carried out by making a GET request to the payment-order consent or payment-order or payment-details resource.

# Sequence Diagram

Diagram source 
participant PSU
participant PISP
participant ASPSP Authorisation Server
participant ASPSP Resource Server

note over PSU, ASPSP Resource Server
Step 1: Agree Payment-Order Initiation
end note
PSU -> PISP: Agree payment-order initiation request

note over PSU, ASPSP Resource Server
 Setup 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 /payment-order-consents
state over ASPSP Resource Server: Consent Status: AwaitingAuthorisation
ASPSP Resource Server -> PISP: HTTP 201 (Created),  ConsentId

note over PSU, ASPSP Resource Server
 Step 3: Authorize Consent
end note
alt Redirection (Using authorization code grant)
        PISP -> PSU: HTTP 302 (Found), Redirect (ConsentId)
        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 if required
        state over ASPSP Resource Server: Consent Status: Authorised
        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
else Decoupled (Using CIBA)
        PISP -> ASPSP Authorisation Server: POST /bc-authorize (login_hint_token)
        ASPSP Authorisation Server -> PISP: OK

        PSU -> ASPSP Authorisation Server: Authorise (Consent Id)
        PSU <-> ASPSP Authorisation Server: authenticate
        PSU <-> ASPSP Authorisation Server: SCA if required
        PSU <-> ASPSP Authorisation Server: select accounts
        state over ASPSP Resource Server: Consent Status: Authorised

        alt Using callback
                ASPSP Authorisation Server -> PISP: Callback (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
        else Using polling
                PISP <-> ASPSP Authorisation Server: Establish TLS 1.2 MA
                PISP -> ASPSP Authorisation Server: Poll at /token using auth-req-id
                ASPSP Authorisation Server -> PISP: access-token
        end alt
end alt


note over PSU, ASPSP Resource Server
Step 4: Confirm Funds (Domestic and International Single Immediate Payments Only)
end note

opt
PISP <-> ASPSP Resource Server: Establish TLS 1.2 MA
PISP -> ASPSP Resource Server: GET /payment-order-consents/{ConsentId}/funds-confirmation
ASPSP Resource Server -> PISP: HTTP 200 (OK) funds-confirmation resource

end opt

note over PSU, ASPSP Resource Server
Step 5: Create Payment-Order
end note
PISP <-> ASPSP Resource Server: Establish TLS 1.2 MA
PISP -> ASPSP Resource Server: POST /payment-orders
state over ASPSP Resource Server: Consent Status: Consumed
alt Immediate Payment
state over ASPSP Resource Server: Payment Status: Pending
state over ASPSP Resource Server: Payment Status: AcceptedSettlementInProcess
state over ASPSP Resource Server: Payment Status: AcceptedSettlementComplete
else Standing Order or Future Dated Payment
state over ASPSP Resource Server: Payment Status: InitiationPending
state over ASPSP Resource Server: Payment Status: InitiationCompleted
end alt
ASPSP Resource Server -> PISP: HTTP 201 (Created), Payment-Order Id

note over PSU, ASPSP Resource Server
Step 6: Get Payment-Order-Consent/Payment-Order/Payment-details Status
end note

opt payment-order-consent
PISP <-> ASPSP Resource Server: Establish TLS 1.2 MA
PISP -> ASPSP Resource Server: GET /payment-order-consents/{ConsentId}
ASPSP Resource Server -> PISP: HTTP 200 (OK) payment-order-consent resource
end opt

opt payment-order
PISP <-> ASPSP Resource Server: Establish TLS 1.2 MA
PISP -> ASPSP Resource Server: GET /payment-orders/{Payment-Order Id}
ASPSP Resource Server -> PISP: HTTP 200 (OK) payment-order resource
end opt

opt payment-details
PISP <-> ASPSP Resource Server: Establish TLS 1.2 MA
PISP -> ASPSP Resource Server: GET /payment-orders/{Payment-Order Id}/payment-details
ASPSP Resource Server -> PISP: HTTP 200 (OK) payment-details resource
end opt

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# Payment Restrictions

The standard does not provide a uniform set of restrictions for payment-order types that can be supported through this API.

For example, but not limited to:

  • The maximum InstructedAmount allowable.
  • The domestic-standing-order Frequency patterns supported.
  • The maximum future date on a scheduled-payment.

Each ASPSP must determine appropriate restrictions that they support based on their individual practices, standards and limitations. These restrictions should be documented on ASPSP developer portals.

An ASPSP must reject the payment-order consent if the ASPSP is unable to handle the request.

# CutOffDateTime Behaviour

An ASPSP may return the specific CutOffDateTime when responding to a payment-order consent request.

An ASPSP must document the behaviour for a payment receipt before and after the CutOffDateTime for a payment-order has elapsed.

Two strategies for handling behaviour are:

  • Reject the payment-order (and steps associated with the creation of payment-order) if received after the applicable CutOffDateTime
  • Accept the payment-order (and steps associated with the creation of payment-order) if received after the applicable CutOffDateTime
# Reject the Payment-Order

In this scenario, the behaviour of payment-order execution is explicit to the PISP and PSU.

  • An ASPSP must reject the payment-order consent if the CutOffDateTime for a specific payment-order type has elapsed.
  • An ASPSP must reject an authorization request when the underlying intent object is associated with a CutoffDateTime that has elapsed. The ASPSP must not issue an access token in such a situation. The ASPSP must set the status of the payment-order consent resource to “Rejected”.
  • An ASPSP must reject the payment-order resource if the CutOffDateTime for a specific payment-order type, has been established and has elapsed.
  • A PISP must ensure that the PSU consent authorisation is completed and the payment-order resource is created before the CutOffDateTime elapses.

For a payment-order consent or a payment-order resource that has been rejected due to the elapsed CutoffDateTime, the PISP may decide to create a corresponding schedule payment endpoint to create a new payment-order consent. E.g. if a PISP attempts to make a BACS payment after 16:00, it would be rejected. The PISP may use the /domestic-scheduled-payment-consents endpoint to create a consent for the same payment for the next working day.

# Accept the Payment-Order

In this scenario, the behaviour of the payment-order execution is not explicit to the PISP and PSU, and the payment-order will be executed on the next available working day.

  • An ASPSP must accept the payment-order consent if the CutOffDateTime for a specific payment-order type has elapsed.
  • An ASPSP must accept an authorization request when the underlying intent object is associated with a CutoffDateTime that has elapsed.
  • An ASPSP must accept the payment-order resource if the CutOffDateTime for a specific payment-order type, has been established and has elapsed.
  • An ASPSP may update the payment-order consent or payment-order resource with the CutOffDateTime, ExpectedExecutionDateTime and ExpectedSettlementDateTime, to communicate expected execution behaviour if the CutOffDateTime has elapsed.

# Release Management

This section overviews the release management and versioning strategy for the Payment Initiation API. It applies to all Payment Order Consent and Payment Order resources, specified in the Endpoints section.

# POST
  • A PISP must not create a payment-order consent ConsentId on a newer version and use it to create a payment-order resource in a previous version
    • E.g., A ConsentId created in v3, must not be used to create a v1 PaymentSubmissionId
  • A PISP must not create a payment-order consent ConsentId on a previous version and use it to create a payment-order resource in a newer version
    • E.g., A PaymentId created in v1, must not be used to create a v3 DomesticPaymentId
# GET
  • A PISP must not access a payment-order ConsentId created in a newer version, via a previous version endpoint
    • E.g., A ConsentId created in v3 accessed via a v1 PaymentId
  • An ASPSP may choose to make ConsentIds accessible across versions
    • E.g., for a PaymentId created in v1, an ASPSP may or may not make it available via v3, as this is a short-lived consent
# GET
  • A PISP must not confirm funds using a payment-order-consent ConsentId created in a different version.
    • E.g. A ConsentId created in v3, must not be used to confirm funds on a v1 endpoint.

# Payment-Order Resource

# POST
  • A PISP must use a payment-order consent ConsentId within the same version to create the payment-order resource (in that version)
    • E.g., A v3 payment-order consent can only be used to create a payment-order resource in v3.
  • An ASPSP must not allow a PISP to use a ConsentId from a previous version to create a Payment Order in a newer version, and vice versa
# GET

  • A PISP must refer to the ASPSP's online Developer Portal for guidelines on accessibility of a payment-order resource in a newer version

  • A PISP must not access the payment-order resource types introduced in a newer version, on an older version endpoint:

    • E.g., an international-payment created in v3, that is accessed via the v1 payment-submissions endpoint.

  • A PISP must not access the payment-order resource created in a newer version on an older version endpoint:

    • E.g., for a domestic-payment resource created in v3, access via the v1 payment-submissions endpoint is not permitted.

  • An ASPSP must document the behaviour on the accessibility of a payment-order resource in a newer version on the ASPSP's online Developer Portal.

  • An ASPSP must allow access to the payment-order resource created in a previous version on a newer version endpoint (depending on an ASPSP's legal requirement for data retention):

    • E.g., a payment-submission created in v1, must be accessible as a v3 domestic-payment, with sensible defaults for additional fields introduced in v3 (e.g., if an ASPSP must make payment resources available for 7 years).

  • In the case where a payment-order type is the same, but the structure has changed in a newer version, sensible defaults may be used, with the ASPSP's Developer Portal clearly specifying the behaviour.

    • E.g., a new field StatusUpdateDateTime was introduced in v3, an ASPSPs must populate this with the last status update time (as the StatusUpdateDateTime is a mandatory field).

# Security & Access Control

# Scopes

The access tokens required for accessing the Payment APIs must have at least the following scope:

payments: Generic payment scope

# Grants Types

PISPs must use a client credentials grant to obtain a token to make POST requests to the payment-order consent endpoints. In the specification, this grant type is referred to as "Client Credentials".

PISPs must use an authorization code grant using a redirect or decoupled flow to obtain a token to make POST requests to the payment-order resource endpoints. This token may also be used to confirm funds on a payment-order consent resource. In the specification, this grant type is referred to as "Authorization Code".

PISPs must use a client credentials grant to obtain a token to make GET requests (excluding confirming funds).

OAuth 2.0 scopes are coarse-grained and the set of available scopes are defined at the point of client registration. There is no standard method for specifying and enforcing fine-grained scopes e.g., a scope to enforce payments of a specified amount on a specified date.

A consent authorisation is used to define the fine-grained scope that is granted by the PSU to the PISP.

The PISP must begin a payment-order request by creating a payment-order consent resource through a POST operation. These resources indicate the consent that the PISP claims it has been given by the PSU. At this stage, the consent is not yet authorised as the ASPSP has not yet verified this claim with the PSU.

The ASPSP responds with a ConsentId. This is the intent-id that is used when initiating the authorization code grant (as described in the Trust Framework).

As part of the authorization code grant:

  • The ASPSP authenticates the PSU.
  • The ASPSP plays back the consent (registered by the PISP) back to the PSU to get consent authorisation. The PSU may accept or reject the consent in its entirety (but not selectively).
  • If the consent did not indicate a debtor account the ASPSP presents the PSU with a list of accounts from which the PSU may select one.

Once these steps are complete, the consent is considered to have been authorised by the PSU.

# Multiple Authorisation

In a multiple authorisation context, the same consent authorisation steps are followed for the first PSU to authorise or stage the payment-order consent.

In the payment-order consent:

  • A PISP may request an AuthorisationType for the payment-order (i.e., Single or Any). If a value is not provided, an ASPSP will interpret the AuthorisationType as 'Any'.
  • A PISP may request a CompletionDateTime for the payment-order authorisation to be complete. If a value is not provided, an ASPSP will interpret the CompletionDateTime as unbounded.
  • An ASPSP must reject the payment-order consent if the AuthorisationType requested by the PISP does not match the DebtorAccount in the request.
  • An ASPSP must set the status of the payment-order consent to Rejected, if the AuthorisationType requested by the PISP cannot be satisfied, after PSU Authentication:
    • The ASPSP must respond back with an OAuth error response fields error specified as invalid_request and error_description containing an appropriate message.
  • An ASPSP must restrict the selection of DebtorAccount (in the ASPSP online channel) to accounts that match the AuthorisationType requested by the PISP.

In the payment-order resource:

  • An ASPSP must respond with the MultiAuthorisation object if the payment-order requires multiple authorisations. The MultiAuthorisation object indicates to the PISP that the payment-order requires multiple authorisations.
  • The ASPSP must populate the MultiAuthorisation object with the Status of the multiple authorisaitons.
  • The ASPSP may populate the MultiAuthorisation object with additional details of the multiple authorisation journey including:
    • The number of required authorisations (total required at the start of the multi authorisation journey).
    • The number of authorisations complete.
    • The date and time of the last authorisation update.
    • The date and time that the authorisation flow must be completed.

Once the final authorisation is received by the ASPSP, the ASPSP may notify the PISP that the payment-order resource has been fully Authorised using an Event Notification (as described in the Event Notification API Profile and Resources).

# Error Condition

If the PSU does not complete a successful consent authorisation (e.g., if the PSU has not authenticated successfully), the authorization code grant ends with a redirection to the TPP with an error response as described in RFC 6749 Section 4.1.2.1 (opens new window). The PSU is redirected to the TPP with an error parameter indicating the error that occurred.

A PSU cannot revoke a payment-order consent once it has been authorized.

This is required to comply with Article 80 of PSD2.

# Changes to Selected Account

For a payment-order consent, the selected debtor account cannot be changed once the consent has been authorized.

Payment consents are short-lived and cannot be re-authenticated by the PSU.

# Risk Scoring Information

During the design workshops, ASPSPs articulated a need to perform risk scoring on the payments initiated via the Payment API.

Information for risk scoring and assessment will come via:

  • FAPI HTTP headers. These are defined in Section 6.3 (opens new window) of the FAPI specification and in the Headers section above.
  • Additional fields identified by the industry as business logic security concerns which will be passed in the Risk section of the payload in the JSON object.

These are the set of additional fields in the risk section of the payload for v1.0 which will be specified by the PISP:

  • PaymentContextCode.
  • MerchantCategoryCode.
  • MerchantCustomerIdentification.
  • DeliveryAddress.

The PaymentContextCode describes the payment context and can have these values:

  • BillPayment.
  • EcommerceGoods.
  • EcommerceServices.
  • Other.
  • PartyToParty.

Payments for EcommerceGoods and EcommerceServices will be expected to have a MerchantCategoryCode and MerchantCustomerIdentification populated. Payments for EcommerceGoods will also have the DeliveryAddress populated.

These fields are documented further in the Data Payload section.

# Data Model

# Reused Classes

# OBRisk1

This section describes the Risk1 class which is reused in the payment-order consent and payment-order resources.

# UML Diagram

# Data Dictionary
Name Occurrence XPath EnhancedDefinition Class Codes Pattern
OBRisk1 OBRisk1 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
PaymentContextCode 0..1 OBRisk1/PaymentContextCode Specifies the payment context OBExternalPaymentContext1Code BillPayment
EcommerceGoods
EcommerceServices
Other PartyToParty
MerchantCategoryCode 0..1 OBRisk1/MerchantCategoryCode Category code conform to ISO 18245, related to the type of services or goods the merchant provides for the transaction. Min3Max4Text
MerchantCustomerIdentification 0..1 OBRisk1/MerchantCustomerIdentification The unique customer identifier of the PSU with the merchant. Max70Text
DeliveryAddress 0..1 OBRisk1/DeliveryAddress Information that locates and identifies a specific address, as defined by postal services or in free format text. PostalAddress18
AddressLine 0..2 OBRisk1/DeliveryAddress/AddressLine Information that locates and identifies a specific address, as defined by postal services, that is presented in free format text. Max70Text
StreetName 0..1 OBRisk1/DeliveryAddress/StreetName Name of a street or thoroughfare. Max70Text
BuildingNumber 0..1 OBRisk1/DeliveryAddress/BuildingNumber Number that identifies the position of a building on a street. Max16Text
PostCode 0..1 OBRisk1/DeliveryAddress/PostCode Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the sorting of mail. Max16Text
TownName 1..1 OBRisk1/DeliveryAddress/TownName Name of a built-up area, with defined boundaries, and a local government. Max35Text
CountrySubDivision 0..1 OBRisk1/DeliveryAddress/CountrySubDivision Identifies a subdivision of a country, for instance state, region, county. Max35Text
Country 1..1 OBRisk1/DeliveryAddress/Country Nation with its own government, occupying a particular territory. CountryCode ^[A-Z]{2,2}$

# OBCharge2

This section describes the OBCharge2 class - which is reused in the response payloads in the payment-order consent and payment-order resources.

# UML Diagram

# Data Dictionary
Name Occurrence XPath EnhancedDefinition Class Codes Pattern
OBCharge2 OBCharge2 Set of elements used to provide details of a charge for the payment initiation. OBCharge2
ChargeBearer 1..1 OBCharge2/ChargeBearer Specifies which party/parties will bear the charges associated with the processing of the payment transaction. OBChargeBearerType1Code BorneByCreditor
BorneByDebtor
FollowingServiceLevel
Shared
Type 1..1 OBCharge2/Type Charge type, in a coded form. OBExternalPaymentChargeType1Code
Amount 1..1 OBCharge2/Amount Amount of money associated with the charge type. OBActiveOrHistoricCurrencyAndAmount
Amount 1..1 OBCharge2/Amount/Amount A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217. OBActiveCurrencyAndAmount_SimpleType ^\d{1,13}$\|^\d{1,13}\.\d{1,5}$
Currency 1..1 OBCharge2/Amount/Currency A code allocated to a currency by a Maintenance Agency under an international identification scheme, as described in the latest edition of the international standard ISO 4217 "Codes for the representation of currencies and funds". ActiveOrHistoricCurrencyCode ^[A-Z]{3,3}$

# OBAuthorisation1

This section describes the OBAuthorisation1 class which is used in the payment-order consent request and payment-order consent response payloads.

# UML Diagram

# Data Dictionary
Name Occurrence XPath EnhancedDefinition Class Codes Pattern
OBAuthorisation1 OBAuthorisation1 The authorisation type request from the TPP. OBAuthorisation1
AuthorisationType 1..1 OBAuthorisation1/AuthorisationType Type of authorisation flow requested. OBExternalAuthorisation1Code Any
Single
CompletionDateTime 0..1 OBAuthorisation1/CompletionDateTime Date and time at which the requested authorisation flow must be completed. ISODateTime

# OBMultiAuthorisation1

This section describes the OBMultiAuthorisation1 class which used in the response payloads of payment-order resources.

# UML Diagram

# Data Dictionary
Name Occurrence XPath EnhancedDefinition Class Codes Pattern
OBMultiAuthorisation1 OBMultiAuthorisation1 The multiple authorisation flow response from the ASPSP. OBMultiAuthorisation1
Status 1..1 OBMultiAuthorisation1/Status Specifies the status of the authorisation flow in code form. OBExternalStatus2Code Authorised
AwaitingFurtherAuthorisation
Rejected
NumberRequired 0..1 OBMultiAuthorisation1/NumberRequired Number of authorisations required for payment order (total required at the start of the multi authorisation journey). Number
NumberReceived 0..1 OBMultiAuthorisation1/NumberReceived Number of authorisations received. Number
LastUpdateDateTime 0..1 OBMultiAuthorisation1/LastUpdateDateTime Last date and time at the authorisation flow was updated. ISODateTime
ExpirationDateTime 0..1 OBMultiAuthorisation1/ExpirationDateTime Date and time at which the requested authorisation flow must be completed. ISODateTime

# OBDomesticRefundAccount1

This section describes the OBDomesticRefundAccount1 class which is used in the response payloads of Domestic Payment, Domestic Scheduled Payment and Domestic Standing Order.

# UML Diagram

# Data Dictionary
Name Occurrence XPath EnhancedDefinition Class Codes Pattern
OBDomesticRefundAccount1 1..1 OBDomesticRefundAccount1 Unambiguous identification of the refund account to which a refund will be made as a result of the transaction. OBDomesticRefundAccount1
Account 1..1 OBWritePaymentDetails1/Account Provides the details to identify an account. OBCashAccountCreditor3
SchemeName 1..1 OBDomesticRefundAccount1/Account/SchemeName Name of the identification scheme, in a coded form as published in an external list. OBExternalAccountIdentification4Code
Identification 1..1 OBDomesticRefundAccount1/Account/Identification Identification assigned by an institution to identify an account. This identification is known by the account owner. Max256Text
Name 1..1 OBDomesticRefundAccount1/Account/Name Name of the account, as assigned by the account servicing institution. Usage: The account name is the name or names of the account owner(s) represented at an account level. The account name is not the product name or the nickname of the account. OB: ASPSPs may carry out name validation for Confirmation of Payee, but it is not mandatory. Max350Text
SecondaryIdentification 0..1 OBDomesticRefundAccount1/Account/SecondaryIdentification This is secondary identification of the account, as assigned by the account servicing institution. This can be used by building societies to additionally identify accounts with a roll number (in addition to a sort code and account number combination). Max34Text

# OBInternationalRefundAccount1

This section describes the OBInternationalRefundAccount1 class which is used in the response payloads of International Payment, International Scheduled Payment and International Standing Order.

# UML Diagram

# Data Dictionary
Name Occurrence XPath EnhancedDefinition Class Codes Pattern
OBInternationalRefundAccount1 1..1 OBInternationalRefundAccount1 Unambiguous identification of the refund account to which a refund will be made as a result of the transaction. OBInternationalRefundAccount1
Creditor 0..1 OBInternationalRefundAccount1/Creditor Party to which an amount of money is due. OBPartyIdentification43
Name 0..1 OBInternationalRefundAccount1/Creditor/Name Name by which a party is known and which is usually used to identify that party. Max350Text
PostalAddress 0..1 OBInternationalRefundAccount1/Creditor/PostalAddress Information that locates and identifies a specific address, as defined by postal services. OBPostalAddress6
AddressType 0..1 OBInternationalRefundAccount1/Creditor/PostalAddress/AddressType Identifies the nature of the postal address. OBAddressTypeCode Business Correspondence DeliveryTo MailTo POBox Postal Residential Statement
Department 0..1 OBInternationalRefundAccount1/Creditor/PostalAddress/Department Identification of a division of a large organisation or building. Max70Text
SubDepartment 0..1 OBInternationalRefundAccount1/Creditor/PostalAddress/SubDepartment Identification of a sub-division of a large organisation or building. Max70Text
StreetName 0..1 OBInternationalRefundAccount1/Creditor/PostalAddress/StreetName Name of a street or thoroughfare. Max70Text
BuildingNumber 0..1 OBInternationalRefundAccount1/Creditor/PostalAddress/BuildingNumber Number that identifies the position of a building on a street. Max16Text
PostCode 0..1 OBInternationalRefundAccount1/Creditor/PostalAddress/PostCode Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the sorting of mail. Max16Text
TownName 0..1 OBInternationalRefundAccount1/Creditor/PostalAddress/TownName Name of a built-up area, with defined boundaries, and a local government. Max35Text
CountrySubDivision 0..1 OBInternationalRefundAccount1/Creditor/PostalAddress/CountrySubDivision Identifies a subdivision of a country such as state, region, county. Max35Text
Country 0..1 OBInternationalRefundAccount1/Creditor/PostalAddress/Country Nation with its own government. CountryCode ^[A-Z]{2,2}$
AddressLine 0..7 OBInternationalRefundAccount1/Creditor/PostalAddress/AddressLine Information that locates and identifies a specific address, as defined by postal services, presented in free format text. Max70Text
Agent 0..1 OBInternationalRefundAccount1/Agent Financial institution servicing an account for the creditor. OBBranchAndFinancialInstitutionIdentification6
SchemeName 0..1 OBInternationalRefundAccount1/Agent/SchemeName Name of the identification scheme, in a coded form as published in an external list. OBExternalFinancialInstitutionIdentification4Code
Identification 0..1 OBInternationalRefundAccount1/Agent/Identification Unique and unambiguous identification of a financial institution or a branch of a financial institution. Max35Text
Name 0..1 OBInternationalRefundAccount1/Agent/Name Name by which an agent is known and which is usually used to identify that agent. Max140Text
PostalAddress 0..1 OBInternationalRefundAccount1/Agent/PostalAddress Information that locates and identifies a specific address, as defined by postal services. OBPostalAddress6
AddressType 0..1 OBInternationalRefundAccount1/Agent/PostalAddress/AddressType Identifies the nature of the postal address. OBAddressTypeCode Business Correspondence DeliveryTo MailTo POBox Postal Residential Statement
Department 0..1 OBInternationalRefundAccount1/Agent/PostalAddress/Department Identification of a division of a large organisation or building. Max70Text
SubDepartment 0..1 OBInternationalRefundAccount1/Agent/PostalAddress/SubDepartment Identification of a sub-division of a large organisation or building. Max70Text
StreetName 0..1 OBInternationalRefundAccount1/Agent/PostalAddress/StreetName Name of a street or thoroughfare. Max70Text
BuildingNumber 0..1 OBInternationalRefundAccount1/Agent/PostalAddress/BuildingNumber Number that identifies the position of a building on a street. Max16Text
PostCode 0..1 OBInternationalRefundAccount1/Agent/PostalAddress/PostCode Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the sorting of mail. Max16Text
TownName 0..1 OBInternationalRefundAccount1/Agent/PostalAddress/TownName Name of a built-up area, with defined boundaries, and a local government. Max35Text
CountrySubDivision 0..1 OBInternationalRefundAccount1/Agent/PostalAddress/CountrySubDivision Identifies a subdivision of a country such as state, region, county. Max35Text
Country 0..1 OBInternationalRefundAccount1/Agent/PostalAddress/Country Nation with its own government. CountryCode ^[A-Z]{2,2}$
AddressLine 0..7 OBInternationalRefundAccount1/Agent/PostalAddress/AddressLine Information that locates and identifies a specific address, as defined by postal services, presented in free format text. Max70Text
Account 1..1 OBInternationalRefundAccount1/Account Unambiguous identification of the account of the creditor to which a credit entry will be posted as a result of the payment transaction. OBCashAccountCreditor3
SchemeName 1..1 OBInternationalRefundAccount1/Account/SchemeName Name of the identification scheme, in a coded form as published in an external list. OBExternalAccountIdentification4Code
Identification 1..1 OBInternationalRefundAccount1/Account/Identification Identification assigned by an institution to identify an account. This identification is known by the account owner. Max256Text
Name 1..1 OBInternationalRefundAccount1/Account/Name The account name is the name or names of the account owner(s) represented at an account level. Note, the account name is not the product name or the nickname of the account. OB: ASPSPs may carry out name validation for Confirmation of Payee, but it is not mandatory. Max350Text
SecondaryIdentification 0..1 OBInternationalRefundAccount1/Account/SecondaryIdentification This is secondary identification of the account, as assigned by the account servicing institution. This can be used by building societies to additionally identify accounts with a roll number (in addition to a sort code and account number combination). Max34Text

# OBWritePaymentDetails1

This section describes the OBWritePaymentDetails1 class which used in the response payloads of payment-detail sub resources.

# UML Diagram

# Data Dictionary
Name Occurrence XPath EnhancedDefinition Class Codes Pattern
OBWritePaymentDetails1 1..1 OBWritePaymentDetails1 Payment status details. OBWritePaymentDetails1
PaymentTransactionId 1..1 OBWritePaymentDetails1/PaymentTransactionId Unique identifier for the transaction within an servicing institution. This identifier is both unique and immutable. Max210Text
Status 1..1 OBWritePaymentDetails1/Status Status of a transfer, as assigned by the transaction administrator. OBTransactionIndividualExtendedISOStatus1Code Accepted
AcceptedCancellationRequest
AcceptedCreditSettlementCompleted
AcceptedCustomerProfile
AcceptedFundsChecked
AcceptedSettlementCompleted
AcceptedSettlementInProcess
AcceptedTechnicalValidation
AcceptedWithChange
AcceptedWithoutPosting
Cancelled
NoCancellationProcess
PartiallyAcceptedCancellationRequest
PartiallyAcceptedTechnicalCorrect
PaymentCancelled
Pending
PendingCancellationRequest
Received
Rejected
RejectedCancellationRequest
StatusUpdateDateTime 1..1 OBWritePaymentDetails1/StatusUpdateDateTime Date and time at which the status was assigned to the transfer. ISODateTime
StatusDetail 0..1 OBWritePaymentDetails1/StatusDetail Payment status details as per underlying Payment Rail. OBPaymentStatusDetail1
LocalInstrument 0..1 OBWritePaymentDetails1/StatusDetail/LocalInstrument User community specific instrument.

Usage: This element is used to specify a local instrument, local clearing option and/or further qualify the service or service level.		 OBExternalLocalInstrument1Code
Status 1..1 OBWritePaymentDetails1/StatusDetail/Status Status of a transfer, as assigned by the transaction administrator. Max128Text
StatusReason 0..1 OBWritePaymentDetails1/StatusDetail/StatusReason Reason Code provided for the status of a transfer. OBTransactionIndividualStatusReason1Code Cancelled
PendingFailingSettlement
PendingSettlement
Proprietary
ProprietaryRejection
Suspended
Unmatched
StatusReasonDescription 0..1 OBWritePaymentDetails1/StatusDetail/StatusReasonDescription Reason provided for the status of a transfer. Max256Text

# OBSCASupportData1

This section describes the OBSCASupportData1 class, which is used across all payment order consent request resources, enabling PISPs to provide Supporting Data when requesting ASPSP for SCA Exemption.

# UML Diagram

# Data Dictionary
Name Occurrence XPath EnhancedDefinition Class Codes Pattern
OBSCASupportData1 SCASupportData Supporting Data provided by TPP, when requesting SCA Exemption. OBSCASupportData1
RequestedSCAExemptionType 0..1 SCASupportData/RequestedSCAExemptionType This field allows a PISP to request specific SCA Exemption for a Payment Initiation OBExternalSCAExemptionType1Code BillPayment
ContactlessTravel
EcommerceGoods
EcommerceServices
Kiosk
Parking
PartyToParty
AppliedAuthenticationApproach 0..1 SCASupportData/AppliedAuthenticationApproach Specifies a character string with a maximum length of 40 characters.

Usage: This field indicates whether the PSU was subject to SCA performed by the TPP		 OBExternalAppliedAuthenticationApproach1Code CA
SCA
ReferencePaymentOrderId 0..1 SCASupportData/ReferencePaymentOrderId If the payment is recurring, then this field is populated with the transaction identifier of the previous payment occurrence so that the ASPSP can verify that the PISP, amount and the payee are the same as the previous occurrence. The value here refers to the payment id e.g. DomesticPaymentId Max40Text

# Identifier Fields

This section describes the identifiers used through the Payment API flows, the direction of flow through the system, and how they are used.

The standard definitions for the elements in the API payloads are described in the Data Payload section. However, this table gives further detail on the business meaning, and how they are used.

Generated Identifier Business Description
Merchant/PISP Sent in API Payload EndToEndIdentification The EndToEndIdentification reference is a reference that can be populated by the debtor (or merchant in the ecommerce space). This reference is important to the debtor (could be an internal reference Id against the transaction), it Is NOT the reference information that will be primarily populated on the statement of the creditor (beneficiary).
Merchant/PISP Sent in API Payload InstructionIdentification The PISP generates the InstructionIdentification which is a unique transaction Id and passes it to the ASPSP (this is mandatory), but this does not have to go any further in the payment flow. The flow of this identifier needs to align with payment scheme rules.

The expectation is that this is unique indefinitely across all time periods. The PISP can ensure this is indefinitely unique by including a date or date time element to the field, or by inserting a unique Id.
Merchant/PISP Sent in API Payload RemittanceInformation The RemittanceInformation is the reference information that the creditor (or beneficiary) will need to reconcile (e.g. Invoice 123).
ASPSP / API System ConsentId A unique identification as assigned by the ASPSP to uniquely identify the payment-order consent resource.
ASPSP / API System Payment Order Id Anique identification as assigned by the ASPSP to uniquely identify the payment-order resource.

  • DomesticPaymentId
  • DomesticScheduledPaymentId
  • DomesticStandingOrderId
  • InternationalPaymentId
  • InternationalScheduledPaymentId
    • ASPSP / Payment Scheme Scheme Payment ID This is generated by the ASPSP to uniquely identify a payment through a processing scheme. In the case of FPS, this is the FPID.

    The tables below identify the actor that initially creates each of the message identifiers and their transmission and visibility to other actors.

    These flows are indicative and will be dependent on what payment schemes or agencies are able to support.

    Key:

    • O indicates the actor that creates the identifier.
    • => downstream direction of flow
    • <= upstream direction of flow

    # Merchant Flow

    Identifier PSU Merchant PISP ASPSP Originating Bank Payment Scheme Beneficiary
    EndToEndIdentification O => => => =>
    RemittanceInformation O => => => =>
    InstructionIdentification O =>
    ConsentId <= O
    Payment Order Id <= O
    Scheme Payment ID (e.g., FPID) O => =>

    # Party to Party Flow

    Identifier PSU Merchant PISP ASPSP Originating Bank Payment Scheme Beneficiary
    EndToEndIdentification O => => =>
    RemittanceInformation O => => => =>
    InstructionIdentification O =>
    ConsentId <= O
    Payment Order Id <= O
    Scheme Payment ID (e.g., FPID) O => =>

    # Enumerations

    # Static Enumerations

    This section gives the definitions for enumerations used in the Payment APIs.

    Code Class Name Definition
    OBExternalPaymentContext1Code BillPayment The context of the payment initiation is a bill payment.
    OBExternalPaymentContext1Code EcommerceGoods The context of the payment initiation is for goods via an ecommerce channel.
    OBExternalPaymentContext1Code EcommerceServices The context of the payment initiation is for services via an ecommerce channel.
    OBExternalPaymentContext1Code PartyToParty The context of the payment initiation is a party to party payment.
    OBExternalPaymentContext1Code Other The context of the payment initiation is of an other type.
    OBTransactionIndividualStatus1Code AcceptedSettlementCompleted Settlement on the debtor's account has been completed.

    Usage : this can be used by the first agent to report to the debtor that the transaction has been completed. Warning : this status is provided for transaction status reasons, not for financial information. It can only be used after bilateral agreement.

    PISPs must not use this status as confirmation that settlement is complete on the creditor's account.
    OBTransactionIndividualStatus1Code AcceptedSettlementInProcess All preceding checks such as technical validation and customer profile were successful and therefore the payment initiation has been accepted for execution.
    OBTransactionIndividualStatus1Code Pending Payment initiation or individual transaction included in the payment initiation is pending. Further checks and status update will be performed.
    OBTransactionIndividualStatus1Code Rejected Payment initiation or individual transaction included in the payment initiation has been rejected.
    OBTransactionIndividualStatus1Code AcceptedWithoutPosting Payment instruction included in the credit transfer is accepted without being posted to the creditor customer's account.
    OBTransactionIndividualStatus1Code AcceptedCreditSettlementCompleted Settlement on the creditor's account has been completed.
    OBExternalConsentStatus1Code AwaitingAuthorisation The consent resource is awaiting PSU authorisation.
    OBExternalConsentStatus1Code Rejected The consent resource has been rejected.
    OBExternalConsentStatus1Code Authorised The consent resource has been successfully authorised.
    OBExternalConsentStatus1Code Consumed The consented action has been successfully completed. This does not reflect the status of the consented action.
    OBChargeBearerType1Code BorneByCreditor All transaction charges are to be borne by the creditor.
    OBChargeBearerType1Code BorneByDebtor All transaction charges are to be borne by the debtor.
    OBChargeBearerType1Code FollowingServiceLevel Charges are to be applied following the rules agreed in the service level and/or scheme.
    OBChargeBearerType1Code Shared In a credit transfer context, means that transaction charges on the sender side are to be borne by the debtor, transaction charges on the receiver side are to be borne by the creditor. In a direct debit context, means that transaction charges on the sender side are to be borne by the creditor, transaction charges on the receiver side are to be borne by the debtor.
    OBExternalAuthorisation1Code Any Any authorisation type is requested.
    OBExternalAuthorisation1Code Multiple Multiple authorisation type is requested.
    OBExternalAuthorisation1Code Single Single authorisation type is requested.
    OBExternalStatus1Code InitiationCompleted The payment-order initiation has been completed.
    OBExternalStatus1Code InitiationFailed The payment-order initiation has failed.
    OBExternalStatus1Code InitiationPending The payment-order initiation is pending.
    OBExternalStatus2Code Authorised The multiple authorisation flow has been fully authorised.
    OBExternalStatus2Code AwaitingFurtherAuthorisation The multiple authorisation flow is awaiting further authorisation.
    OBExternalStatus2Code Rejected The multiple authorisation flow has been rejected.
    OBExternalStatus3Code InitiationCompleted The payment-order initiation has been completed.
    OBExternalStatus3Code InitiationFailed The payment-order initiation has failed.
    OBExternalStatus3Code InitiationPending The payment-order initiation is pending.
    OBExternalStatus3Code Cancelled Payment initiation has been successfully cancelled after having received a request for cancellation.
    OBExchangeRateType2Code Actual Exchange rate is the actual rate.
    OBExchangeRateType2Code Agreed Exchange rate is the agreed rate between the parties.
    OBExchangeRateType2Code Indicative Exchange rate is the indicative rate.
    OBPriority2Code Normal Priority is normal.
    OBPriority2Code Urgent Priority is urgent.
    OBAddressTypeCode Business Address is the business address.
    OBAddressTypeCode Correspondence Address is the address where correspondence is sent.
    OBAddressTypeCode DeliveryTo Address is the address to which delivery is to take place.
    OBAddressTypeCode MailTo Address is the address to which mail is sent.
    OBAddressTypeCode POBox Address is a postal office (PO) box.
    OBAddressTypeCode Postal Address is the complete postal address.
    OBAddressTypeCode Residential Address is the home address.
    OBAddressTypeCode Statement Address is the address where statements are sent.
    OBTransactionIndividualExtendedISOStatus1Code Accepted Request is accepted.
    OBTransactionIndividualExtendedISOStatus1Code AcceptedCancellationRequest Cancellation is accepted.
    OBTransactionIndividualExtendedISOStatus1Code AcceptedCreditSettlementCompleted Settlement on the creditor's account has been completed.
    OBTransactionIndividualExtendedISOStatus1Code AcceptedCustomerProfile Preceding check of technical validation was successful. Customer profile check was also successful.
    OBTransactionIndividualExtendedISOStatus1Code AcceptedFundsChecked Preceding check of technical validation and customer profile was successful and an automatic funds check was positive.
    OBTransactionIndividualExtendedISOStatus1Code AcceptedSettlementCompleted Settlement on the debtor's account has been completed.

    Usage : this can be used by the first agent to report to the debtor that the transaction has been completed.

    Warning : this status is provided for transaction status reasons, not for financial information. It can only be used after bilateral agreement
    OBTransactionIndividualExtendedISOStatus1Code AcceptedSettlementInProcess All preceding checks such as technical validation and customer profile were successful and therefore the payment initiation has been accepted for execution.
    OBTransactionIndividualExtendedISOStatus1Code AcceptedTechnicalValidation Authentication and syntactical and semantical validation are successful
    OBTransactionIndividualExtendedISOStatus1Code AcceptedWithChange Instruction is accepted but a change will be made, such as date or remittance not sent.
    OBTransactionIndividualExtendedISOStatus1Code AcceptedWithoutPosting Payment instruction included in the credit transfer is accepted without being posted to the creditor customer’s account.
    OBTransactionIndividualExtendedISOStatus1Code Cancelled Request is cancelled.
    OBTransactionIndividualExtendedISOStatus1Code NoCancellationProcess No cancellation process.
    OBTransactionIndividualExtendedISOStatus1Code PartiallyAcceptedCancellationRequest Cancellation is partially accepted.
    OBTransactionIndividualExtendedISOStatus1Code PartiallyAcceptedTechnicalCorrect Authentication and syntactical and semantical validation are successful.
    OBTransactionIndividualExtendedISOStatus1Code PaymentCancelled Transaction has been cancelled.
    OBTransactionIndividualExtendedISOStatus1Code Pending Payment initiation or individual transaction included in the payment initiation is pending. Further checks and status update will be performed.
    OBTransactionIndividualExtendedISOStatus1Code PendingCancellationRequest Cancellation request is pending.
    OBTransactionIndividualExtendedISOStatus1Code Received Payment initiation has been received by the receiving agent.
    OBTransactionIndividualExtendedISOStatus1Code Rejected Payment initiation or individual transaction included in the payment initiation has been rejected.
    OBTransactionIndividualExtendedISOStatus1Code RejectedCancellationRequest Cancellation request is rejected
    OBTransactionIndividualStatusReason1Code Cancelled Reason why the payment status is cancelled
    OBTransactionIndividualStatusReason1Code PendingFailingSettlement Reason why the payment status is pending (failing settlement).
    OBTransactionIndividualStatusReason1Code PendingSettlement Reason why the payment status is pending (settlement).
    OBTransactionIndividualStatusReason1Code Proprietary Defines a free text proprietary reason.
    OBTransactionIndividualStatusReason1Code ProprietaryRejection Defines the reason that has been used by the Local Instrument system to reject the transaction
    OBTransactionIndividualStatusReason1Code Suspended Reason why the payment status is suspended.
    OBTransactionIndividualStatusReason1Code Unmatched Reason why the payment status is unmatched.
    OBExternalSCAExemptionType1Code BillPayment Bill Payment
    OBExternalSCAExemptionType1Code ContactlessTravel Contactless Travel
    OBExternalSCAExemptionType1Code EcommerceGoods Ecommerce Goods
    OBExternalSCAExemptionType1Code EcommerceServices Ecommerce Services
    OBExternalSCAExemptionType1Code Kiosk Kisok
    OBExternalSCAExemptionType1Code Parking Parking
    OBExternalSCAExemptionType1Code PartyToParty Party To Party
    OBExternalAppliedAuthenticationApproach1Code CA Single Factor Strong Customer Authentication
    OBExternalAppliedAuthenticationApproach1Code SCA Multi Factor Strong Customer Authentication
    OBReadRefundAccount1Code Yes Yes
    OBReadRefundAccount1Code No No

    # ISO Enumerations

    These following ISO Enumerations are used in the Payment APIs.

    ISO Data Type Fields ISO Enumeration Values URL
    Min3Max4Text MerchantCategoryCode https://www.iso.org/standard/33365.html
    ActiveOrHistoricCurrencyCode Currency https://www.iso20022.org/external_code_list.page
    CountryCode Country https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2#Officially_assigned_code_elements

    # Namespaced Enumerations

    The enumerated values specified by Open Banking are documented in Swagger specification and Namespaced Enumerations page.

    # Alternative and Error Flows

    Note: this flow has been generalised for all payment-order types.

    Diagram source 
    participant PSU
participant PISP
participant ASPSP Authorisation Server
participant ASPSP Resource Server

note over PSU, ASPSP Resource Server
Step 2: Setup Payment Order Consent (generalised for all payment orders)
end note
PISP <-> ASPSP Authorisation Server: Establish TLS 1.2 MA
PISP -> ASPSP Authorisation Server: Initiate Client Credentials Grant
ASPSP Authorisation Server -> PISP: token
PISP <-> ASPSP Resource Server: Establish TLS 1.2 MA
PISP -> ASPSP Resource Server: POST /payment-order-consents (x-idempotency-key={pisp-guid-1})
ASPSP Resource Server -> ASPSP Resource Server: Create new resource (ConsentId=1001)
alt unexpected failure
PISP -> ASPSP Resource Server: POST /payment-order-consents (x-idempotency-key={pisp-guid-1})
note right of ASPSP Resource Server
    The resource server recognizes that
    this is the same request as earlier.
    A new resource is not created.
    The ConsentId remains the same (e.g. 1001) as above.
    The status of the resource may be different if it has changed.

    This operation can be retried multiple times if required.
end note
end alt

ASPSP Resource Server -> PISP: HTTP 201(Created), ConsentId=1001
PISP -> PSU: Redirect (ConsentId)

option footer=bar

    # Idempotent Payment Order

    Note: this flow has been generalised for all payment-order types.

    Diagram source 
    participant PSU
participant PISP
participant ASPSP Authorisation Server
participant ASPSP Resource Server

note over PSU, ASPSP Resource Server
 Step 4: Create payment-order (generalised for all payment orders)
end note
PISP <-> ASPSP Resource Server: Establish TLS 1.2 MA
PISP -> ASPSP Resource Server: POST /payment-orders ConsentId = 1001, x-idempotency-key={pisp-guid-2}

alt PISP attempts to POST to /payment-orders with same ConsentId
PISP -> ASPSP Resource Server: POST /payment-orders ConsentId = 1001, x-idempotency-key={pisp-guid-2}
ASPSP Resource Server -> PISP: HTTP 201 (Created), PaymentOrderId

note right of ASPSP Resource Server
    The resource server recognizes that this
    is the same request as earlier.
    A new resource is not created.
    The PaymentOrderId remains the same as above.
    The status of the resource may be different if it has changed.

    The operation can be retried multiple times if required.
end note
end alt
option footer=bar

    Diagram source 
    autonumber

participant PSU Initial Authoriser
participant PSU Final Authoriser
participant PISP
participant ASPSP Authorisation Server
participant ASPSP Resource Server

note over PSU Initial Authoriser, ASPSP Resource Server
Step 1: Agree domestic payment Initiation
end note
PSU Initial Authoriser -> PISP: Agree domestic payment initiation request

note over PSU Initial Authoriser, ASPSP Resource Server
 Step 2: Setup Payment-Order Consent
end note
PISP <-> ASPSP Authorisation Server: Establish TLS 1.2 MA
PISP -> ASPSP Authorisation Server: Initiate Client Credential Grant
ASPSP Authorisation Server -> PISP: access-token
PISP <-> ASPSP Resource Server: Establish TLS 1.2 MA
PISP -> ASPSP Resource Server: POST /domestic-payment-consents
state over ASPSP Resource Server: Consent Status: AwaitingAuthorisation
ASPSP Resource Server -> PISP: HTTP 201 (Created),ConsentId
PISP -> PSU Initial Authoriser: HTTP 302 (Found),Redirect (ConsentId)

note over PSU Initial Authoriser, ASPSP Resource Server
 Step 3: Authorize Consent - Initial Authoriser
end note
PSU Initial Authoriser -> ASPSP Authorisation Server: Follow redirect (ConsentId)
PSU Initial Authoriser <-> ASPSP Authorisation Server: Authenticate (SCA if required) and Authorise consent
state over ASPSP Resource Server: Consent Status: Authorised
ASPSP Authorisation Server -> PSU Initial Authoriser: HTTP 302 (Found), Redirect (authorization-code)
PSU Initial Authoriser -> 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 Initial Authoriser, ASPSP Resource Server
Step 4: Create 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
state over ASPSP Resource Server: Consent Status: Consumed
state over ASPSP Resource Server: Payment Status: Pending
state over ASPSP Resource Server: MultiAuthorisation Status: AwaitingFurtherAuthorisation

note over PSU Initial Authoriser, ASPSP Resource Server
 Step 5: Authorize Consent - Final Authoriser
end note

PSU Final Authoriser -> ASPSP Authorisation Server: Authenticate (SCA if required) and Authorise consent

state over ASPSP Resource Server: MultiAuthorisation Status: Authorised
state over ASPSP Resource Server: Payment Status: AcceptedSettlementInProcess
state over ASPSP Resource Server: Payment Status: AcceptedSettlementComplete

    alt If PISP has registered a URL for event notification
        ASPSP Resource Server -> PISP: POST /event-notifications
        PISP -> ASPSP Resource Server: HTTP 200 (OK)
        PISP -> ASPSP Resource Server: GET /domestic-payments/{DomesticPaymentId}
        ASPSP Resource Server -> PISP: HTTP 200 (OK) domestic-payment resource
    else PISP may poll payment order status
        loop
            PISP -> ASPSP Resource Server: GET /domestic-payments/{DomesticPaymentId}
            ASPSP Resource Server -> PISP: HTTP 200 (OK) domestic-payment resource
        end
    end

option footer=bar

    This example illustrates a scenario where an ASPSP choses to Reject the Payment-Order consent/resource request, after the CutoffTime. We have a CHAPS payment-order consent created after the CutOffDateTime, and ASPSP rejects the Consent, and the PISP chooses to place a Scheduled Payment-Order consent.

    Diagram source 
    autonumber
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 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
note over PISP, ASPSP Resource Server
CHAPS Payment cutoff time expired, so consent initiation is rejected
end note
ASPSP Resource Server -> PISP: HTTP 400 (BAD_REQUEST)
PISP -> PSU: Try setting up a Scheduled Payment

note over PSU, ASPSP Resource Server
Step 3: Setup Domestic Scheduled Payment Consent
end note

note over PSU, ASPSP Resource Server
Step 4: Authorize consent
end note

note over PSU, ASPSP Resource Server
Step 5: Create Domestic Scheduled Payment-Order
end note

note over PSU, ASPSP Resource Server
Step 6: Get Domestic Scheduled Payment-Order status
end note
option footer=bar

    # Reject the Payment Order Creation After CutOffDateTime

    This example illustrates a scenario where an ASPSP choses to Reject the Payment-Order consent/resource request, after the CutoffTime. We have a CHAPS payment-order Consent created and the Authorisation completed before the CutOffDateTime, but the Payment-Order submission happened after the CutOffDateTime, so the ASPSP has rejected it.

    Diagram source 
    autonumber
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
note over PISP, ASPSP Authorisation Server
Delay in Redirection or
User spent too long to Authorise or
PISP took too long to submit Payment Order,
leading to Expiry of CHAPS Cutoff Time
end note

PISP -> ASPSP Resource Server: POST /domestic-payments
ASPSP Resource Server -> PISP: HTTP 400 (BAD_REQUEST)
PISP -> PSU: Try setting up a Scheduled Payment

note over PSU, ASPSP Resource Server
Step 5: Setup Domestic Scheduled Payment Consent
end note

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