# International Scheduled Payment Consents - v3.1.8

# Overview

The International Scheduled Payment Consent resource is used by a PISP to register an intent to initiate an International 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
international-scheduled-payment-consents POST POST /international-scheduled-payment-consents Conditional payments Client Credentials Signed Request Signed Response Yes OBWriteInternationalScheduledConsent5 OBWriteInternationalScheduledConsentResponse6
international-scheduled-payment-consents GET GET /international-scheduled-payment-consents/{ConsentId} Mandatory (if resource POST implemented) payments Client Credentials Signed Response No NA OBWriteInternationalScheduledConsentResponse6
international-scheduled-payment-consents GET GET /international-scheduled-payment-consents/{ConsentId}/funds-confirmation Mandatory (if immediate debit supported) payments Authorization Code Signed Response No NA OBWriteFundsConfirmationResponse1

# POST /international-scheduled-payment-consents

The API endpoint allows the PISP to ask an ASPSP to create a new international-scheduled-payment-consent resource.

  • The POST action indicates to the ASPSP that an international scheduled payment consent has been staged. At this point, the PSU may not have been identified by the ASPSP, and the request payload may not contain any information of the account that should be debited.
  • The endpoint allows the PISP to send a copy of the consent (between PSU and PISP) to the ASPSP for the PSU to authorise.
  • The ASPSP creates the international-scheduled-payment-consent resource and responds with a unique ConsentId to refer to the resource.

# Status

The default Status is "AwaitingAuthorisation" immediately after the international-scheduled-payment-consent has been created.

Status
AwaitingAuthorisation

# GET /international-scheduled-payment-consents/{ConsentId}

A PISP can optionally retrieve a payment consent resource that they have created to check its status.

# Status

Once the PSU authorises the payment-consent resource, the Status of the payment-consent resource will be updated with "Authorised".

If the PSU rejects the consent or the international-scheduled-payment-consent has failed some other ASPSP validation, the Status will be set to "Rejected".

Once an international-scheduled-payment has been successfully created using the international-scheduled-payment-consent, the Status of the international-scheduled-payment-consent will be set to "Consumed".

The available Status codes for the international-scheduled-payment-consent resource are:

Status
AwaitingAuthorisation
Rejected
Authorised
Consumed

# GET /international-scheduled-payment-consents/{ConsentId}/funds-confirmation

The API endpoint allows the PISP to ask an ASPSP to confirm funds on an international-scheduled-payment-consent resource, where the payment is for immediate debit.

  • An ASPSP can only respond to a funds confirmation request if the international-scheduled-payment-consent resource has an Authorised status. If the status is not Authorised, an ASPSP must respond with a 400 (Bad Request) and a UK.OBIE.Resource.InvalidConsentStatus error code.
  • Confirmation of funds requests do not affect the status of the international-scheduled-payment-consent resource.

# State Model

The state model for the international-scheduled-payment-consent resource follows the generic consent state model. However, does not use the "Revoked" status, as the consent for an international-scheduled-payment is not a long-lived consent.

image2018-5-18_10-24-21

The definitions for the Status:

Status Status Description
1 AwaitingAuthorisation The consent resource is awaiting PSU authorisation.
2 Rejected The consent resource has been rejected.
3 Authorised The consent resource has been successfully authorised.
4 Consumed The consented action has been successfully completed. This does not reflect the status of the consented action.

# Data Model

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

# Reused Classes

# OBInternationalScheduled3

This section describes the OBInternationalScheduled3 class which is reused as the Initiation object in the international-scheduled-payment-consent resource.

# UML Diagram

OBInternationalScheduled3

# Notes

For the OBInternationalScheduled3 Initiation object:

  • All elements in the Initiation payload, that are specified by the PISP must not be changed via the ASPSP as this is part of formal consent from the PSU.
  • If the ASPSP is able to establish a problem with payload or any contextual error during the API call, the ASPSP must reject the international-scheduled-payment-consent consent request immediately.
  • If the ASPSP establishes a problem with the international-scheduled-payment-consent after the API call, the ASPSP must set the Status of the international-scheduled-payment-consent resource to Rejected.
  • DebtorAccount is optional as the PISP may not know the account identification details for the PSU.
  • If the DebtorAccount is specified by the PISP and is invalid for the PSU, then the international-scheduled-payment-consent will be set to Rejected after PSU authentication.
  • CreditorAgent must at least have either of the pairs provided: SchemeName and Identification, or Name and PostalAddress.
  • Account Identification field usage:
    • SchemeName is a free-text field which will be populated with identification schemes an ASPSP accepts.
    • Identification is a field which is populated with the Identification of the account, using the valid identification scheme provided.
  • Valid UK Account Identification SchemeName values include, but are not restricted to:
    • "UK.OBIE.SortCodeAccountNumber" - Identification field must be populated with the 6 digit Sort Code and 8 digit Account Number (a 14 digit field).
    • "UK.OBIE.IBAN" - The Identification field must be populated with the full IBAN.
    • "UK.OBIE.PAN" - The Identification field must be populated with the full PAN. A PAN may be an instrument (e.g., a debit card) linked to a payment account, and may not be the only PAN linked to the payment account.
    • "UK.OBIE.Paym" - The Identification field must be populated with the Paym proxy value.
  • LocalInstrument is the requested payment scheme for execution. This is a free-text field.
  • InstructionPrioirty may be used by the ASPSP to determine the payment scheme for execution.
  • The InstructedAmount object must be populated with the desired Amount and Currency of transfer, regardless of the currency of the DebtorAccount. I.e., a PSU may wish to transfer 100EUR from a GBP DebtorAccount (the InstructedAmount will be 100EUR), or 100GBP in EUR (the InstructedAmount will be 100GBP).
  • The CurrencyOfTransfer must be used to specify the currency the funds will be transferred. I.e., a PSU may wish to transfer 100USD from a GBP DebtorAccount to a Rupee INR CreditorAccount in India.
  • The ChargeBearer field is used by the PISP to indicate the bearer of charges. An ASPSP must Reject the Initiation request if the requested charge allocation cannot be fulfilled.
  • Permission field is restricted to "Create" however, may be extended to "Update" and "Delete" in a future iteration of the specification.
  • RequestedExecutionDateTime allows a PISP to specify the date for an ASPSP to execute the international scheduled payment.

The ExchangeRateInformation object must conform to these behaviours:

  • A PISP must specify the DebtorAccount currency in the UnitCurrency field if the PISP is requesting a specific RateType so the ASPSP can respond with an exchange rate quote prior to PSU authorisation.
  • A PISP may indicate an exchange rate request using the RateType with these enumerations:
    • Actual.
    • Agreed.
    • Indicative.
  • A PISP must specify ExchangeRate and ContractIdentification when requesting an Agreed RateType. If an invalid ContractIdentification and ExchangeRate are requested together, an ASPSP must reject the request.
    • For an "Agreed" RateType - a requested exchange rate is populated in the ExchangeRate field, against the UnitCurrency. I.e, if the UnitCurrency is GBP and CurrencyOfTransfer is USD, then ExchangeRate will be 1.34 (USD to 1 GBP).
    • For an "Agreed" RateType - the exchange rate contract identifier is populated in the ContractIdentification field.
  • A PISP must not specify ExchangeRate and/or ContractIdentification when requesting an Actual RateType.
  • A PISP must not specify ExchangeRate and/or ContractIdentification when requesting an Indicative RateType.
# Data Dictionary
Name Occurrence XPath EnhancedDefinition Class Codes Pattern
OBInternationalScheduled3 OBInternationalScheduled3 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 international payment. OBInternationalScheduled3
InstructionIdentification 1..1 OBInternationalScheduled3/InstructionIdentification Unique identification as assigned by an instructing party for an instructed party to unambiguously identify the instruction. Usage: the instruction identification is a point to point reference that can be used between the instructing party and the instructed party to refer to the individual instruction. It can be included in several messages related to the instruction. Max35Text
EndToEndIdentification 0..1 OBInternationalScheduled3/EndToEndIdentification Unique identification assigned by the initiating party to unambiguously identify the transaction. This identification is passed on, unchanged, throughout the entire end-to-end chain. Usage: The end-to-end identification can be used for reconciliation or to link tasks relating to the transaction. It can be included in several messages related to the transaction. OB: The Faster Payments Scheme can only access 31 characters for the EndToEndIdentification field. Max35Text
LocalInstrument 0..1 OBInternationalScheduled3/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
InstructionPriority 0..1 OBInternationalScheduled3/InstructionPriority Indicator of the urgency or order of importance that the instructing party would like the instructed party to apply to the processing of the instruction. OBPriority2Code Normal Urgent
Purpose 0..1 OBInternationalScheduled3/Purpose Specifies the external purpose code in the format of character string with a maximum length of 4 characters. The list of valid codes is an external code list published separately. External code sets can be downloaded from www.iso20022.org. OBExternalPurpose1Code1
ExtendedPurpose 0..1 OBInternationalScheduled3/ExtendedPurpose Specifies the purpose of an international payment, when there is no corresponding 4 character code available in the ISO20022 list of Purpose Codes. Max140Text
ChargeBearer 0..1 OBInternationalScheduled3/ChargeBearer Specifies which party/parties will bear the charges associated with the processing of the payment transaction. OBChargeBearerType1Code BorneByCreditor BorneByDebtor FollowingServiceLevel Shared
RequestedExecutionDateTime 1..1 OBInternationalScheduled3/RequestedExecutionDateTime Date at which the initiating party requests the clearing agent to process the payment. Usage: This is the date on which the debtor's account is to be debited. ISODateTime
CurrencyOfTransfer 1..1 OBInternationalScheduled3/CurrencyOfTransfer Specifies the currency of the to be transferred amount, which is different from the currency of the debtor's account. ActiveOrHistoricCurrencyCode ^[A-Z]{3,3}$
DestinationCountryCode 0..1 OBInternationalScheduled3/DestinationCountryCode Country in which Credit Account is domiciled. Nation with its own government. CountryCode ^[A-Z]{2,2}$
InstructedAmount 1..1 OBInternationalScheduled3/InstructedAmount Amount of money to be moved between the debtor and creditor, before deduction of charges, expressed in the currency as ordered by the initiating party. Usage: This amount has to be transported unchanged through the transaction chain. OBActiveOrHistoricCurrencyAndAmount
Amount 1..1 OBInternationalScheduled3/InstructedAmount/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 OBInternationalScheduled3/InstructedAmount/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}$
ExchangeRateInformation 0..1 OBInternationalScheduled3/ExchangeRateInformation Provides details on the currency exchange rate and contract. OBExchangeRate1
UnitCurrency 1..1 OBInternationalScheduled3/ExchangeRateInformation/UnitCurrency Currency in which the rate of exchange is expressed in a currency exchange. In the example 1GBP = xxxCUR, the unit currency is GBP. ActiveOrHistoricCurrencyCode ^[A-Z]{3,3}$
ExchangeRate 0..1 OBInternationalScheduled3/ExchangeRateInformation/ExchangeRate The factor used for conversion of an amount from one currency to another. This reflects the price at which one currency was bought with another currency. BaseOneRate
RateType 1..1 OBInternationalScheduled3/ExchangeRateInformation/RateType Specifies the type used to complete the currency exchange. OBExchangeRateType2Code Actual Agreed Indicative
ContractIdentification 0..1 OBInternationalScheduled3/ExchangeRateInformation/ContractIdentification Unique and unambiguous reference to the foreign exchange contract agreed between the initiating party/creditor and the debtor agent. Max256Text
DebtorAccount 0..1 OBInternationalScheduled3/DebtorAccount Unambiguous identification of the account of the debtor to which a debit entry will be made as a result of the transaction. OBCashAccountDebtor4
SchemeName 1..1 OBInternationalScheduled3/DebtorAccount/SchemeName Name of the identification scheme, in a coded form as published in an external list. OBExternalAccountIdentification4Code
Identification 1..1 OBInternationalScheduled3/DebtorAccount/Identification Identification assigned by an institution to identify an account. This identification is known by the account owner. Max256Text
Name 0..1 OBInternationalScheduled3/DebtorAccount/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 OBInternationalScheduled3/DebtorAccount/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
Creditor 0..1 OBInternationalScheduled3/Creditor Party to which an amount of money is due. OBPartyIdentification43
Name 0..1 OBInternationalScheduled3/Creditor/Name Name by which a party is known and which is usually used to identify that party. Max350Text
PostalAddress 0..1 OBInternationalScheduled3/Creditor/PostalAddress Information that locates and identifies a specific address, as defined by postal services. OBPostalAddress6
AddressType 0..1 OBInternationalScheduled3/Creditor/PostalAddress/AddressType Identifies the nature of the postal address. OBAddressTypeCode Business Correspondence DeliveryTo MailTo POBox Postal Residential Statement
Department 0..1 OBInternationalScheduled3/Creditor/PostalAddress/Department Identification of a division of a large organisation or building. Max70Text
SubDepartment 0..1 OBInternationalScheduled3/Creditor/PostalAddress/SubDepartment Identification of a sub-division of a large organisation or building. Max70Text
StreetName 0..1 OBInternationalScheduled3/Creditor/PostalAddress/StreetName Name of a street or thoroughfare. Max70Text
BuildingNumber 0..1 OBInternationalScheduled3/Creditor/PostalAddress/BuildingNumber Number that identifies the position of a building on a street. Max16Text
PostCode 0..1 OBInternationalScheduled3/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 OBInternationalScheduled3/Creditor/PostalAddress/TownName Name of a built-up area, with defined boundaries, and a local government. Max35Text
CountrySubDivision 0..1 OBInternationalScheduled3/Creditor/PostalAddress/CountrySubDivision Identifies a subdivision of a country such as state, region, county. Max35Text
Country 0..1 OBInternationalScheduled3/Creditor/PostalAddress/Country Nation with its own government. CountryCode ^[A-Z]{2,2}$
AddressLine 0..7 OBInternationalScheduled3/Creditor/PostalAddress/AddressLine Information that locates and identifies a specific address, as defined by postal services, presented in free format text. Max70Text
CreditorAgent 0..1 OBInternationalScheduled3/CreditorAgent Financial institution servicing an account for the creditor. OBBranchAndFinancialInstitutionIdentification6
SchemeName 0..1 OBInternationalScheduled3/CreditorAgent/SchemeName Name of the identification scheme, in a coded form as published in an external list. OBExternalFinancialInstitutionIdentification4Code
Identification 0..1 OBInternationalScheduled3/CreditorAgent/Identification Unique and unambiguous identification of a financial institution or a branch of a financial institution. Max35Text
Name 0..1 OBInternationalScheduled3/CreditorAgent/Name Name by which an agent is known and which is usually used to identify that agent. Max140Text
PostalAddress 0..1 OBInternationalScheduled3/CreditorAgent/PostalAddress Information that locates and identifies a specific address, as defined by postal services. OBPostalAddress6
AddressType 0..1 OBInternationalScheduled3/CreditorAgent/PostalAddress/AddressType Identifies the nature of the postal address. OBAddressTypeCode Business Correspondence DeliveryTo MailTo POBox Postal Residential Statement
Department 0..1 OBInternationalScheduled3/CreditorAgent/PostalAddress/Department Identification of a division of a large organisation or building. Max70Text
SubDepartment 0..1 OBInternationalScheduled3/CreditorAgent/PostalAddress/SubDepartment Identification of a sub-division of a large organisation or building. Max70Text
StreetName 0..1 OBInternationalScheduled3/CreditorAgent/PostalAddress/StreetName Name of a street or thoroughfare. Max70Text
BuildingNumber 0..1 OBInternationalScheduled3/CreditorAgent/PostalAddress/BuildingNumber Number that identifies the position of a building on a street. Max16Text
PostCode 0..1 OBInternationalScheduled3/CreditorAgent/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 OBInternationalScheduled3/CreditorAgent/PostalAddress/TownName Name of a built-up area, with defined boundaries, and a local government. Max35Text
CountrySubDivision 0..1 OBInternationalScheduled3/CreditorAgent/PostalAddress/CountrySubDivision Identifies a subdivision of a country such as state, region, county. Max35Text
Country 0..1 OBInternationalScheduled3/CreditorAgent/PostalAddress/Country Nation with its own government. CountryCode ^[A-Z]{2,2}$
AddressLine 0..7 OBInternationalScheduled3/CreditorAgent/PostalAddress/AddressLine Information that locates and identifies a specific address, as defined by postal services, presented in free format text. Max70Text
CreditorAccount 1..1 OBInternationalScheduled3/CreditorAccount 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 OBInternationalScheduled3/CreditorAccount/SchemeName Name of the identification scheme, in a coded form as published in an external list. OBExternalAccountIdentification4Code
Identification 1..1 OBInternationalScheduled3/CreditorAccount/Identification Identification assigned by an institution to identify an account. This identification is known by the account owner. Max256Text
Name 1..1 OBInternationalScheduled3/CreditorAccount/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 OBInternationalScheduled3/CreditorAccount/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
RemittanceInformation 0..1 OBInternationalScheduled3/RemittanceInformation Information supplied to enable the matching of an entry with the items that the transfer is intended to settle, such as commercial invoices in an accounts' receivable system. OBRemittanceInformation1
Unstructured 0..1 OBInternationalScheduled3/RemittanceInformation/Unstructured Information supplied to enable the matching/reconciliation of an entry with the items that the payment is intended to settle, such as commercial invoices in an accounts' receivable system, in an unstructured form. Max140Text
Reference 0..1 OBInternationalScheduled3/RemittanceInformation/Reference Unique reference, as assigned by the creditor, to unambiguously refer to the payment transaction. Usage: If available, the initiating party should provide this reference in the structured remittance information, to enable reconciliation by the creditor upon receipt of the amount of money. If the business context requires the use of a creditor reference or a payment remit identification, and only one identifier can be passed through the end-to-end chain, the creditor's reference or payment remittance identification should be quoted in the end-to-end transaction identification. OB: The Faster Payments Scheme can only accept 18 characters for the ReferenceInformation field - which is where this ISO field will be mapped. Max35Text
SupplementaryData 0..1 OBInternationalScheduled3/SupplementaryData Additional information that can not be captured in the structured fields and/or any other specific block. OBSupplementaryData1

# OBExchangeRate2

This section describes the OBExchangeRate2 class which is reused in the response payloads in the international-scheduled-payment-consent resource.

OBExchangeRate2

# Data Dictionary
Name Occurrence XPath EnhancedDefinition Class Codes Pattern
OBExchangeRate2 OBExchangeRate2 Further detailed information on the exchange rate that has been used in the payment transaction. OBExchangeRate2
UnitCurrency 1..1 OBExchangeRate2/UnitCurrency Currency in which the rate of exchange is expressed in a currency exchange. In the example 1GBP = xxxCUR, the unit currency is GBP. ActiveOrHistoricCurrencyCode ^[A-Z]{3,3}$
ExchangeRate 1..1 OBExchangeRate2/ExchangeRate The factor used for conversion of an amount from one currency to another. This reflects the price at which one currency was bought with another currency. BaseOneRate
RateType 1..1 OBExchangeRate2/RateType Specifies the type used to complete the currency exchange. OBExchangeRateType2Code Actual Agreed Indicative
ContractIdentification 0..1 OBExchangeRate2/ContractIdentification Unique and unambiguous reference to the foreign exchange contract agreed between the initiating party/creditor and the debtor agent. Max256Text
ExpirationDateTime 0..1 OBExchangeRate2/ExpirationDateTime Specified date and time the exchange rate agreement will expire. ISODateTime

The OBWriteInternationalScheduledConsent5 object will be used for the call to:

  • POST /international-scheduled-payment-consents

# UML Diagram

OBWriteInternationalScheduledConsent5

# Notes

The international-scheduled-payment-consent request contains these objects:

  • Initiation
  • Authorisation
  • SCASupportData
  • Risk

Exchange rate behaviour:

  • An ASPSP must respond to an Agreed RateType request.
  • An ASPSP may respond to an Actual RateType request or may reject the request.
  • An ASPSP may respond to an Indicative RateType request or may reject the request.
  • An ASPSP must reject the international-scheduled-payment-consent request if the specified Initiation/ExchangeRateInformation cannot be fulfilled.

# Data Dictionary

Name Occurrence XPath EnhancedDefinition Class Codes Pattern
OBWriteInternationalScheduledConsent5 OBWriteInternationalScheduledConsent5 OBWriteInternationalScheduledConsent5
Data 1..1 OBWriteInternationalScheduledConsent5/Data OBWriteDataInternationalScheduledConsent5
Permission 1..1 OBWriteInternationalScheduledConsent5/Data/Permission Specifies the Open Banking service request types. OBExternalPermissions2Code Create
ReadRefundAccount 0..1 OBWriteInternationalScheduledConsent5/Data/ReadRefundAccount Specifies to share the refund account details with PISP OBReadRefundAccount1Code Yes No
Initiation 1..1 OBWriteInternationalScheduledConsent5/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 international payment. OBInternationalScheduled3
Authorisation 0..1 OBWriteInternationalScheduledConsent5/Data/Authorisation The authorisation type request from the TPP. OBAuthorisation1
SCASupportData 0..1 OBWriteInternationalScheduledConsent5/Data/SCASupportData Supporting Data provided by TPP, when requesting SCA Exemption. OBSCASupportData1
Risk 1..1 OBWriteInternationalScheduledConsent5/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

The OBWriteInternationalScheduledConsentResponse6 object will be used for a response to a call to:

  • POST /international-scheduled-payment-consents
  • GET /international-scheduled-payment-consents/{ConsentId}

# UML Diagram

 OBWriteInternationalScheduledConsentResponse6

# Notes

The international-scheduled-payment-consent response contains the full original payload from the international-scheduled-payment-consent request with the additional elements below:

  • ConsentId.
  • CreationDateTime the international-scheduled-payment-consent resource was created.
  • Status and StatusUpdateDateTime of the international-scheduled-payment-consent resource.
  • Permission field in the original request.
  • CutOffDateTime Behaviour is explained in Payment Initiation API Profile, Section - Payment Restrictions -> CutOffDateTime Behaviour.
  • ExpectedExecutionDateTime for the international-scheduled-payment resource, if created before CutOffDateTIme, the expected DateTime the payment is executed against the Debtor Account. If populated, the ASPSP must update the value with any changes (e.g., after PSU authorisation).
  • ExpectedSettlementDateTime for the international-scheduled-payment resource, if created before CutOffDateTIme, the expected DateTime the payment will be received at the Creditor Account. If populated, the ASPSP must update the value with any changes (e.g., after PSU authorisation).
  • Charges array which will be used by the ASPSP to indicate charges, and the ChargeBearer as relevant.
  • Post successful PSU Authentication, an ASPSP may provide Debtor/Name in the Payment Order Consent Response, even when the Payer didn't provide the Debtor Account via PISP.
  • ExchangeRateInformation (the ASPSP response) - this object will be used to communicate exchange rate information back to the PISP. It must be consistent with what is requested in the Initiation object from the PISP.

Exchange rate behaviour:

  • For an Agreed RateType - if an ASPSP chooses to respond with Data/ExchangeRateInformation object:
    • An ASPSP may respond with the same requested exchange rate in the Data/ExchangeRateInformation object.
    • An ASPSP must not populate Data/ExchangeRateInformation/ExpirationDateTime.
  • For an Actual RateType - if an ASPSP chooses to respond with Data/ExchangeRateInformation object:
    • An ASPSP must respond with an actual ExchangeRate quote in the Data/ExchangeRateInformation object.
    • An ASPSP must respond with an ExpirationDateTime
    • An ASPSP must reject the international-payment request if the PISP does not submit the international-payment within the ExchangeRateInformation/ExpirationDateTime
    • An ASPSP may choose to debit the DebtorAccount with the agreed exchange rate on the date the international-scheduled-payment is created and settle on the RequestedExecutionDateTime
  • For an Indicative RateType - if an ASPSP chooses to respond with Data/ExchangeRateInformation object:
    • An ASPSP must respond with an indicative quote in the Data/ExchangeRateInformation object.
    • An ASPSP must respond with an indicative ExchangeRate quote
    • An ASPSP must not populate Data/ExchangeRateInformation/ExpirationDateTime for the exchange rate, as it is the market rate on the date of execution (date on which the DebtorAccount is debited)

# Data Dictionary

Name Occurrence XPath EnhancedDefinition Class Codes Pattern
OBWriteInternationalScheduledConsentResponse6 OBWriteInternationalScheduledConsentResponse6 OBWriteInternationalScheduledConsentResponse6
Data 1..1 OBWriteInternationalScheduledConsentResponse6/Data OBWriteDataInternationalScheduledConsentResponse6
ConsentId 1..1 OBWriteInternationalScheduledConsentResponse6/Data/ConsentId OB: Unique identification as assigned by the ASPSP to uniquely identify the consent resource. Max128Text
CreationDateTime 1..1 OBWriteInternationalScheduledConsentResponse6/Data/CreationDateTime Date and time at which the resource was created. ISODateTime
Status 1..1 OBWriteInternationalScheduledConsentResponse6/Data/Status Specifies the status of consent resource in code form. OBExternalConsentStatus1Code Authorised AwaitingAuthorisation Consumed Rejected
StatusUpdateDateTime 1..1 OBWriteInternationalScheduledConsentResponse6/Data/StatusUpdateDateTime Date and time at which the resource status was updated. ISODateTime
Permission 1..1 OBWriteInternationalScheduledConsentResponse6/Data/Permission Specifies the Open Banking service request types. OBExternalPermissions2Code Create
ReadRefundAccount 0..1 OBWriteInternationalScheduledConsentResponse6/Data/ReadRefundAccount Specifies to share the refund account details with PISP OBReadRefundAccount1Code Yes No
CutOffDateTime 0..1 OBWriteInternationalScheduledConsentResponse6/Data/CutOffDateTime Specified cut-off date and time for the payment consent. ISODateTime
ExpectedExecutionDateTime 0..1 OBWriteInternationalScheduledConsentResponse6/Data/ExpectedExecutionDateTime Expected execution date and time for the payment resource. ISODateTime
ExpectedSettlementDateTime 0..1 OBWriteInternationalScheduledConsentResponse6/Data/ExpectedSettlementDateTime Expected settlement date and time for the payment resource. ISODateTime
Charges 0..n OBWriteInternationalScheduledConsentResponse6/Data/Charges Set of elements used to provide details of a charge for the payment initiation. OBCharge2
ExchangeRateInformation 0..1 OBWriteInternationalScheduledConsentResponse6/Data/ExchangeRateInformation Further detailed information on the exchange rate that has been used in the payment transaction. OBExchangeRate2
Initiation 1..1 OBWriteInternationalScheduledConsentResponse6/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 international payment. OBInternationalScheduled3
Authorisation 0..1 OBWriteInternationalScheduledConsentResponse6/Data/Authorisation The multiple authorisation flow response from the ASPSP. OBAuthorisation1
SCASupportData 0..1 OBWriteInternationalScheduledConsentResponse6/Data/SCASupportData Supporting Data provided by TPP, when requesting SCA Exemption. OBSCASupportData1
Debtor 0..1 OBWriteInternationalScheduledConsentResponse6/Data/Debtor Set of elements used to identify a person or an organisation.
SchemeName 0..1 OBWriteInternationalScheduledConsentResponse6/Data/Debtor/SchemeName Name of the identification scheme, in a coded form as published in an external list. OBExternalAccountIdentification4Code
Identification 0..1 OBWriteInternationalScheduledConsentResponse6/Data/Debtor/Identification Identification assigned by an institution to identify an account. This identification is known by the account owner. Max256Text
Name 0..1 OBWriteInternationalScheduledConsentResponse6/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 OBWriteInternationalScheduledConsentResponse6/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
Risk 1..1 OBWriteInternationalScheduledConsentResponse6/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

The OBWriteFundsConfirmationResponse1 object will be used for a response to a call to:

  • GET /international-scheduled-payment-consents/{ConsentId}/funds-confirmation

# UML Diagram

 OBWriteConfirmFundsResponse1

# Notes

The confirmation of funds response contains the result of a funds availability check, or SupplementaryData.

# Data Dictionary

Name Occurrence XPath EnhancedDefinition Class Codes Pattern
OBWriteFundsConfirmationResponse1 OBWriteFundsConfirmationResponse1 OBWriteFundsConfirmationResponse1
Data 1..1 OBWriteFundsConfirmationResponse1/Data OBWriteDataFundsConfirmationResponse1
FundsAvailableResult 0..1 OBWriteFundsConfirmationResponse1/Data/FundsAvailableResult Result of a funds availability check. OBFundsAvailableResult1
FundsAvailableDateTime 1..1 OBWriteFundsConfirmationResponse1/Data/FundsAvailableResult/FundsAvailableDateTime Date and time at which the funds availability check was generated. ISODateTime
FundsAvailable 1..1 OBWriteFundsConfirmationResponse1/Data/FundsAvailableResult/FundsAvailable Flag to indicate the availability of funds given the Amount in the consent request. xs:boolean
SupplementaryData 0..1 OBWriteFundsConfirmationResponse1/Data/SupplementaryData Additional information that can not be captured in the structured fields and/or any other specific block. OBSupplementaryData1

# Usage Examples

# POST /international-scheduled-payment-consents

# Request

POST /international-scheduled-payment-consents HTTP/1.1
Authorization: Bearer 2YotnFZFEjr1zCsicMWpAA
x-idempotency-key: FRESCO.21302.GFX.20
x-jws-signature: TGlmZSdzIGEgam91cm5leSBub3QgYSBkZXN0aW5hdGlvbiA=..T2ggZ29vZCBldmVuaW5nIG1yIHR5bGVyIGdvaW5nIGRvd24gPw==
x-fapi-auth-date: Sun, 10 Sep 2017 19:43:31 GMT
x-fapi-customer-ip-address: 104.25.212.99
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json
Accept: application/json
{
  "Data": {
    "Permission":"Create",
	"ReadRefundAccount": "Yes",
    "Initiation": {
      "InstructionIdentification": "ACME412",
      "EndToEndIdentification": "FRESCO.21302.GFX.20",
      "RequestedExecutionDate": "2018-08-06T00:00:00+00:00",
      "InstructedAmount": {
        "Amount": {
           "Amount": "165.88",
           "Currency": "USD"
         }
      },
      "CurrencyOfTransfer":"USD",
      "CreditorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080021325698",
        "Name": "ACME Inc",
        "SecondaryIdentification": "0002"
      },
      "RemittanceInformation": {
        "Reference": "FRESCO-101",
        "Unstructured": "Internal ops code 5120101"
      },
	  "ExchangeRateInformation": {
		"UnitCurrency": "GBP",
	  	"RateType": "Actual"
	  }
    }
  },
  "Risk": {
    "PaymentContextCode": "PartyToParty"
  }
}

# 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": {
		"Permission": "Create",
		"ReadRefundAccount": "Yes",
		"ConsentId": "58923",
		"Status": "AwaitingAuthorisation",
		"CutOffDateTime": "2017-06-05T16:00:13+00:00",
		"CreationDateTime": "2017-06-05T15:15:13+00:00",
		"StatusUpdateDateTime": "2017-06-05T15:15:13+00:00",
		"Initiation": {
			"InstructionIdentification": "ACME412",
			"EndToEndIdentification": "FRESCO.21302.GFX.20",
            "RequestedExecutionDate": "2018-08-06T00:00:00+00:00",	     
			"InstructedAmount": {
		        "Amount": {
    		       "Amount": "165.88",
		           "Currency": "USD"
        		 }
		      },
			"CurrencyOfTransfer":"USD",
			"CreditorAccount": {
				"SchemeName": "UK.OBIE.SortCodeAccountNumber",
				"Identification": "08080021325698",
				"Name": "ACME Inc",
				"SecondaryIdentification": "0002"
			},
			"RemittanceInformation": {
				"Reference": "FRESCO-101",
				"Unstructured": "Internal ops code 5120101"
			},
		  	"ExchangeRateInformation": {
				"UnitCurrency": "GBP",
	  			"RateType": "Actual"
	  		}
		},
		"ExchangeRateInformation": {
			"UnitCurrency": "GBP",
			"ExchangeRate": "1.10",
			"RateType": "Actual",
			"ExpirationDateTime": "2017-06-05T15:45:13+00:00"
		}
	},
	"Risk": {
		"PaymentContextCode": "PartyToParty"

	},
	"Links": {
		"Self": "https://api.alphabank.com/open-banking/v3.1/pisp/international-scheduled-payment-consents/58923"
	},
	"Meta": {}
}

# GET /international-scheduled-payment-consents/{ConsentId}/funds-confirmation

# Request

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

# Response

HTTP/1.1 200 OK
x-jws-signature: V2hhdCB3ZSBnb3QgaGVyZQ0K..aXMgZmFpbHVyZSB0byBjb21tdW5pY2F0ZQ0K
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json
{
	"Data": {
		"FundsAvailableResult": {
			"FundsAvailableDateTime": "2017-06-05T15:15:23+00:00",
			"FundsAvailable": true
		}
	},
	"Links": {
		"Self": "https://api.alphabank.com/open-banking/v3.1/pisp/international-scheduled-payment-consents/58923/funds-confirmation"
	},
	"Meta": {}
}