Domestic Payments - v3.1.8

• Overview
• Endpoints
  • POST /domestic-payments
    • Status
  • GET /domestic-payments/{DomesticPaymentId}
    • Status
  • GET /domestic-payments/{DomesticPaymentId}/payment-details
    • Status
  • State Model
    • Payment Order
      • Multiple Authorisation
• Data Model
  • Reused Classes
    • OBDomestic2
  • Domestic Payment - Request
    • UML Diagram
    • Notes
    • Data Dictionary
  • Domestic Payment - Response
    • UML Diagram
    • Notes
    • Data Dictionary
  • Domestic Payment Order - Payment Details - Response
    • UML Diagram
    • Data Dictionary
• Usage Examples
  • POST /domestic-payments
    • Request
    • Response
  • GET /domestic-payments/{DomesticPaymentId}
    • Request
    • Response

Overview

The Domestic Payments resource is used by a PISP to initiate a Domestic 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-payments	POST	POST /domestic-payments	Mandatory	payments	Authorization Code	Signed Request Signed Response	Yes	OBWriteDomestic2	OBWriteDomesticResponse5
domestic-payments	GET	GET /domestic-payments/{DomesticPaymentId}	Mandatory	payments	Client Credentials	Signed Response	No	NA	OBWriteDomesticResponse5
payment-details	GET	GET /domestic-payments/{DomesticPaymentId}/payment-details	Optional	payments	Client Credentials	Signed Response	No	NA	OBWritePaymentDetailsResponse1

POST /domestic-payments

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

• This is done by making a POST request to the domestic-payments endpoint.
• This request is an instruction to the ASPSP to begin the domestic single immediate payment journey. The domestic payment must be submitted immediately, however, there are some scenarios where the domestic payment may not be executed immediately (e.g., busy periods at the ASPSP).
• The PISP must ensure that the Initiation and Risk sections of the domestic-payment match the corresponding Initiation and Risk sections of the domestic-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-payment resource will not result in a status change for the domestic-payment resource.

Status

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

The domestic-payment resource that is created successfully must have one of the following PaymentStatusCode code-set enumerations:

Status
Pending
Rejected
AcceptedSettlementInProcess
AcceptedSettlementCompleted
AcceptedWithoutPosting
AcceptedCreditSettlementCompleted

GET /domestic-payments/{DomesticPaymentId}

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

Status

The domestic-payment resource must have one of the following PaymentStatusCode code-set enumerations:

Status
Pending
Rejected
AcceptedSettlementInProcess
AcceptedSettlementCompleted
AcceptedWithoutPosting
AcceptedCreditSettlementCompleted

GET /domestic-payments/{DomesticPaymentId}/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-payment - 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-payment resource follows the behaviour and definitions for the ISO 20022 PaymentStatusCode code-set.

The definitions for the status:

	Status	Payment Status Description
1	Pending	Payment initiation or individual transaction included in the payment initiation is pending. Further checks and status update will be performed.
2	Rejected	Payment initiation or individual transaction included in the payment initiation has been rejected.
3	AcceptedSettlementInProcess	All preceding checks such as technical validation and customer profile were successful and therefore the payment initiation has been accepted for execution.
4	AcceptedSettlementCompleted	Settlement on the debtor's account has been completed.
5	AcceptedWithoutPosting	Payment instruction included in the credit transfer is accepted without being posted to the creditor customer’s account.
6	AcceptedCreditSettlementCompleted	Settlement on the creditor's account has been completed.

Multiple Authorisation

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

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 Payment API flows.

Reused Classes

OBDomestic2

The OBDomestic2 class is defined in the domestic-payment-consents page.

Domestic Payment - Request

The OBWriteDomestic2 object will be used for a call to:

• POST /domestic-payments

UML Diagram

Notes

The domestic-payment request object contains the:

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

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

Data Dictionary

Name	Occurrence	XPath	EnhancedDefinition	Class	Codes	Pattern
OBWriteDomestic2		OBWriteDomestic2		OBWriteDomestic2
Data	1..1	OBWriteDomestic2/Data		OBWriteDataDomestic2
ConsentId	1..1	OBWriteDomestic2/Data/ConsentId	OB: Unique identification as assigned by the ASPSP to uniquely identify the consent resource.	Max128Text
Initiation	1..1	OBWriteDomestic2/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 domestic payment.	OBDomestic2
Risk	1..1	OBWriteDomestic2/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 Payment - Response

The OBWriteDomesticResponse5 object will be used for a response to a call to:

• POST /domestic-payments
• GET /domestic-payments/{DomesticPaymentId}

UML Diagram

Notes

The domestic-payment response object contains the:

• DomesticPaymentId.
• ConsentId.
• CreationDateTime the domestic-payment resource was created.
• Status and StatusUpdateDateTime of the domestic-payment resource.
• ExpectedExecutionDateTime for the domestic-payment resource.
• ExpectedSettlementDateTime for the domestic-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-payment-consent.
• The MultiAuthorisation object if the domestic-payment resource requires multiple authorisations.
• An ASPSP should conditionally provide Debtor/Name in the Payment Order Response, even when the Payer didn't provide the Debtor Account via PISP.

Data Dictionary

Name	Occurrence	XPath	EnhancedDefinition	Class	Codes	Pattern
OBWriteDomesticResponse5		OBWriteDomesticResponse5		OBWriteDomesticResponse5
Data	1..1	OBWriteDomesticResponse5/Data		OBWriteDataDomesticResponse5
DomesticPaymentId	1..1	OBWriteDomesticResponse5/Data/DomesticPaymentId	OB: Unique identification as assigned by the ASPSP to uniquely identify the domestic payment resource.	Max40Text
ConsentId	1..1	OBWriteDomesticResponse5/Data/ConsentId	OB: Unique identification as assigned by the ASPSP to uniquely identify the consent resource.	Max128Text
CreationDateTime	1..1	OBWriteDomesticResponse5/Data/CreationDateTime	Date and time at which the resource was created.	ISODateTime
Status	1..1	OBWriteDomesticResponse5/Data/Status	Specifies the status of the payment information group.	OBTransactionIndividualStatus1Code	AcceptedCreditSettlementCompleted AcceptedWithoutPosting AcceptedSettlementCompleted AcceptedSettlementInProcess Pending Rejected
StatusUpdateDateTime	1..1	OBWriteDomesticResponse5/Data/StatusUpdateDateTime	Date and time at which the resource status was updated.	ISODateTime
ExpectedExecutionDateTime	0..1	OBWriteDomesticResponse5/Data/ExpectedExecutionDateTime	Expected execution date and time for the payment resource.	ISODateTime
ExpectedSettlementDateTime	0..1	OBWriteDomesticResponse5/Data/ExpectedSettlementDateTime	Expected settlement date and time for the payment resource.	ISODateTime
Refund	0..1	OBWriteDomesticResponse5/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	OBWriteDomesticResponse5/Data/Charges	Set of elements used to provide details of a charge for the payment initiation.	OBCharge2
Initiation	1..1	OBWriteDomesticResponse5/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 domestic payment.	OBDomestic2
MultiAuthorisation	0..1	OBWriteDomesticResponse5/Data/MultiAuthorisation	The multiple authorisation flow response from the ASPSP.	OBMultiAuthorisation1
Debtor	0..1	OBWriteDomesticResponse5/Data/Debtor	Set of elements used to identify a person or an organisation.
SchemeName	0..1	OBWriteDomesticResponse5/Data/Debtor/SchemeName	Name of the identification scheme, in a coded form as published in an external list.	OBExternalAccountIdentification4Code
Identification	0..1	OBWriteDomesticResponse5/Data/Debtor/Identification	Identification assigned by an institution to identify an account. This identification is known by the account owner.	Max256Text
Name	0..1	OBWriteDomesticResponse5/Data/Debtor/Name	The account name is the name or names of the account owner(s) represented at an account level, as displayed by the ASPSP's online channels. Note, the account name is not the product name or the nickname of the account.	Max350Text
SecondaryIdentification	0..1	OBWriteDomesticResponse5/Data/Debtor/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

Domestic Payment Order - Payment Details - Response

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

• GET /domestic-payments/{DomesticPaymentId}/payment-details

UML Diagram

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

Note, further usage examples are available here.

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",
      "CountrySubDivision": "Wessex",
      "Country": "UK"
    }
  }
}

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",
    "Refund": {
      "Account": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080021325677",
        "Name": "NTPC Inc"
      }
    },
    "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-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

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"
      }
    },
    "Debtor": {
      "Name": "D Jones"
    }
  },
  "Links": {
    "Self": "https://api.alphabank.com/open-banking/v3.1/pisp/domestic-payments/58923-001"
  },
  "Meta": {}
}