Domestic Payment Usage Examples - v4.0

• Merchant Initiation via PISP
  • Sequence Diagram
  • Illustrative Interactions
    • Create Domestic Payment Order Consent
      • POST /domestic-payment-consents request
      • POST /domestic-payment-consents response
    • Confirm Funds on Domestic Payment Order Consent
      • GET /domestic-payment-consents/{ConsentId}/funds-confirmation Request
      • GET /domestic-payment-consents/{ConsentId}/funds-confirmation Response
    • Create Domestic Payment Order
      • POST /domestic-payments Request
      • POST /domestic-payments Response
    • Get Domestic Payment Order Consent
      • GET /domestic-payment-consents/{ConsentId} Request
      • GET /domestic-payment-consents/{ConsentId} Response
    • Get Domestic Payment Order
      • GET /domestic-payments/{DomesticPaymentId} Request
      • GET /domestic-payments/{DomesticPaymentId} Response
• Person To Person Initiation via PISP
  • Sequence Diagram
  • Illustrative Interactions
    • Create Domestic Payment Order Consent
      • POST /domestic-payment-consents request
      • POST /domestic-payment-consents response
    • Create Domestic Payment Order
      • POST /domestic-payments request
      • POST /domestic-payments response
    • Get Domestic Payment Order Consent
      • GET /domestic-payment-consents/{ConsentId} request
      • GET /domestic-payment-consents/{ConsentId} response
    • Get Domestic Payment Order
      • GET /domestic-payments/{DomesticPaymentId} request
      • GET /domestic-payments/{DomesticPaymentId} response
• BACS Payment Order Consent
  • POST /domestic-payment-consents request
  • POST /domestic-payment-consents response
• CHAPS Payment Order Consent
  • POST /domestic-payment-consents request
  • POST /domestic-payment-consents response
• Balance Transfer
  • POST /domestic-payment-consents request
  • POST /domestic-payment-consents response
• Money Transfer
  • POST /domestic-payment-consents request
  • POST /domestic-payment-consents response

Merchant Initiation via PISP

This example set of flows and payload examples are for a domestic payment initiated by a merchant via a PISP.

In this scenario:

• The merchant has not specified the Debtor Account details for the PSU. The PSU will select their account during the authorisation of consent.
• The merchant's account is a building society account with a roll number specified in the SecondaryIdentification field.

Sequence Diagram

Diagram source

participant PSU
participant Merchant
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 -> Merchant: Check-out and pay
Merchant -> PISP: Send request to setup domestic payment consent
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 -> Merchant: HTTP 302 (Found), Redirect (ConsentId)
Merchant -> 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
PSU <-> ASPSP Authorisation Server: Select debtor account
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
PISP -> PSU: HTTP 302 (Found), Redirect back to merchant
PSU -> Merchant: Follow redirect
note over PSU, ASPSP Resource Server
Step 4: Create Domestic 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
note over PSU, ASPSP Resource Server
Step 5: Get Domestic Payment-Order status
end note
opt
Merchant -> PISP: Check payment status
PISP <-> ASPSP Resource Server: Establish TLS 1.2 MA
PISP -> ASPSP Resource Server: GET /domestic-payments/{DomesticPaymentId}
ASPSP Resource Server -> PISP: HTTP 200 (OK), domestic-payments resource
PISP -> Merchant: HTTP 200 (OK), Return domestic-payments Status
end opt

Illustrative Interactions

Notes:

• As per the Security & Access Control section, examples are given where the call to GET must use a client credentials grant to obtain a token to make GET requests.

Create Domestic Payment Order Consent

POST /domestic-payment-consents request

POST /domestic-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": {
    "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": "EcommerceMerchantInitiatedPayment",
    "ContractPresentIndicator": false,
    "PaymentPurposeCode": "EPAY",
    "BeneficiaryPaymentDetailsPrepopulatedIndicator": false,
    "BeneficiaryAccountType": "Business",
    "MerchantCustomerIdentification": "053598653254",
    "DeliveryAddress": {
      "AddressLine": [
        "Flat 7",
        "Acacia Lodge"
      ],
      "StreetName": "Acacia Avenue",
      "BuildingNumber": "27",
      "PostCode": "GU31 2ZZ",
      "TownName": "Sparsholt",
      "CountrySubDivision": "Wessex",
      "Country": "UK"
    }
  }
}

POST /domestic-payment-consents 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": {
    "ConsentId": "58923",
    "Status": "AWAU",
    "CreationDateTime": "2017-06-05T15:15:13+00:00",
    "StatusUpdateDateTime": "2017-06-05T15:15:13+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"]
      }
    }
  },
  "Risk": {
    "PaymentContextCode": "EcommerceMerchantInitiatedPayment",
    "ContractPresentIndicator": false,
    "PaymentPurposeCode": "EPAY",
    "BeneficiaryPaymentDetailsPrepopulatedIndicator": false,
    "BeneficiaryAccountType": "Business",
    "MerchantCustomerIdentification": "053598653254",
    "DeliveryAddress": {
      "AddressLine": [
        "Flat 7",
        "Acacia Lodge"
      ],
      "StreetName": "Acacia Avenue",
      "BuildingNumber": "27",
      "PostCode": "GU31 2ZZ",
      "TownName": "Sparsholt",
      "CountrySubDivision": "Wessex",
      "Country": "UK"
    }
  },
  "Links": {
    "Self": "https://api.alphabank.com/open-banking/v4.0/pisp/domestic-payment-consents/58923"
  },
  "Meta": {}
}

Confirm Funds on Domestic Payment Order Consent

GET /domestic-payment-consents/{ConsentId}/funds-confirmation Request

GET /domestic-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

GET /domestic-payment-consents/{ConsentId}/funds-confirmation 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/v4.0/pisp/domestic-payment-consents/58923/funds-confirmation"
    },
    "Meta": {}
}

Create Domestic Payment Order

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": "EcommerceMerchantInitiatedPayment",
    "ContractPresentIndicator": false,
    "PaymentPurposeCode": "EPAY",
    "BeneficiaryPaymentDetailsPrepopulatedIndicator": false,
    "BeneficiaryAccountType": "Business",
    "MerchantCustomerIdentification": "053598653254",
    "DeliveryAddress": {
      "AddressLine": [
        "Flat 7",
        "Acacia Lodge"
      ],
      "StreetName": "Acacia Avenue",
      "BuildingNumber": "27",
      "PostCode": "GU31 2ZZ",
      "TownName": "Sparsholt",
      "CountrySubDivision": "Wessex",
      "Country": "UK"
    }
  }
}

POST /domestic-payments Response

HTTP/1.1 201 Created
x-jws-signature: V2hhdCB3ZSBnb3QgaGVyZQ0K..aXMgZmFpbHVyZSB0byBjb21tdW5pY2F0ZQ0K
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json

{
  "Data": {
    "DomesticPaymentId": "58923-001",
    "ConsentId": "58923",
    "Status": "ACSP",
    "CreationDateTime": "2017-06-05T15:15:22+00:00",
    "StatusUpdateDateTime": "2017-06-05T15:15:13+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"]
      }
    }
  },
  "Links": {
    "Self": "https://api.alphabank.com/open-banking/v4.0/pisp/domestic-payments/58923-001"
  },
  "Meta": {}
}

Get Domestic Payment Order Consent

GET /domestic-payment-consents/{ConsentId} Request

GET /domestic-payment-consents/58923 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

GET /domestic-payment-consents/{ConsentId} 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": {
    "ConsentId": "58923",
    "Status": "AUTH",
    "CreationDateTime": "2017-06-05T15:15:13+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"]
      }
    }
  },
  "Risk": {
    "PaymentContextCode": "EcommerceMerchantInitiatedPayment",
    "ContractPresentIndicator": false,
    "PaymentPurposeCode": "EPAY",
    "BeneficiaryPaymentDetailsPrepopulatedIndicator": false,
    "BeneficiaryAccountType": "Business",
    "MerchantCustomerIdentification": "053598653254",
    "DeliveryAddress": {
      "AddressLine": [
        "Flat 7",
        "Acacia Lodge"
      ],
      "StreetName": "Acacia Avenue",
      "BuildingNumber": "27",
      "PostCode": "GU31 2ZZ",
      "TownName": "Sparsholt",
      "CountrySubDivision": "Wessex",
      "Country": "UK"
    }
  },
  "Links": {
    "Self": "https://api.alphabank.com/open-banking/v4.0/pisp/domestic-payment-consents/58923"
  },
  "Meta": {}
}

Get Domestic Payment Order

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

GET /domestic-payments/{DomesticPaymentId} 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": "ACSP",
    "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"]
      }
    }
  },
  "Links": {
    "Self": "https://api.alphabank.com/open-banking/v4.0/pisp/domestic-payments/58923-001"
  },
  "Meta": {}
}

Person To Person Initiation via PISP

This example set of flows and payload examples are for a domestic payment initiated by a person to another person via a PISP.

In this scenario:

• The PSU has pre-specified the account from which funds will be transferred (i.e., the Debtor Account details)
• No building society accounts are involved in this interaction, and there only the sort code and account number are specified in the DebtorAccount and CreditorAccount sections.

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 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
PISP -> ASPSP Resource Server: POST /domestic-payments
ASPSP Resource Server -> PISP: HTTP 201 (Created), DomesticPaymentId


note over PSU, ASPSP Resource Server
Step 5: Get Domestic Payment-Order status
end note
opt
PISP <-> ASPSP Resource Server: Establish TLS 1.2 MA
PISP -> ASPSP Resource Server: GET /domestic-payments/{DomesticPaymentId}
ASPSP Resource Server -> PISP: HTTP 200 (OK), domestic-payments resource

end opt

Illustrative Interactions

Create Domestic Payment Order Consent

POST /domestic-payment-consents request

POST /domestic-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": {
    "Initiation": {
      "InstructionIdentification": "ANSM023",
      "EndToEndIdentification": "FRESCO.21302.GFX.37",
      "InstructedAmount": {
        "Amount": "20.00",
        "Currency": "GBP"
      },
      "DebtorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "11280001234567",
        "Name": "Andrea Smith"
      },
      "CreditorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080021325698",
        "Name": "Bob Clements"
      },
      "RemittanceInformation": {
        "Reference": "FRESCO-037",
        "Unstructured": ["Internal ops code 5120103"]
      }
    }
  },
  "Risk": {
    "PaymentContextCode": "TransferToThirdParty"
  }
}

POST /domestic-payment-consents 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": {
    "ConsentId": "7290",
    "Status": "AWAU",
    "CreationDateTime": "2017-06-05T15:15:13+00:00",
    "StatusUpdateDateTime": "2017-06-05T15:15:13+00:00",
    "Initiation": {
      "InstructionIdentification": "ANSM023",
      "EndToEndIdentification": "FRESCO.21302.GFX.37",
      "InstructedAmount": {
        "Amount": "20.00",
        "Currency": "GBP"
      },
      "DebtorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "11280001234567",
        "Name": "Andrea Smith"
      },
      "CreditorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080021325698",
        "Name": "Bob Clements"
      },
      "RemittanceInformation": {
        "Reference": "FRESCO-037",
        "Unstructured": ["Internal ops code 5120103"]
      }
    }
  },
  "Risk": {
    "PaymentContextCode": "TransferToThirdParty"
  },
  "Links": {
    "Self": "https://api.alphabank.com/open-banking/v4.0/pisp/domestic-payment-consents/7290"
  },
  "Meta": {}
}

Create Domestic Payment Order

POST /domestic-payments request

POST /domestic-payments HTTP/1.1
Authorization: Bearer 2YotnFZFEjr1zCsicMWpAA
x-idempotency-key: FRESNO.1317.GFX.22
x-jws-signature: TGlmZSdzIGEgam91cm5leSBub3QgYSBkZXN0aW5hdGlvbiA=..T2ggZ29vZCBldmVuaW5nIG1yIHR5bGVyIGdvaW5nIGRvd24gPw==
x-fapi-auth-date:  Sun, 10 Sep 2017 19:43:31 GMT
x-fapi-customer-ip-address: 104.25.212.99
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json
Accept: application/json

{
  "Data": {
    "ConsentId": "7290",
    "Initiation": {
      "InstructionIdentification": "ANSM023",
      "EndToEndIdentification": "FRESCO.21302.GFX.37",
      "InstructedAmount": {
        "Amount": "20.00",
        "Currency": "GBP"
      },
      "DebtorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "11280001234567",
        "Name": "Andrea Smith"
      },
      "CreditorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080021325698",
        "Name": "Bob Clements"
      },
      "RemittanceInformation": {
        "Reference": "FRESCO-037",
        "Unstructured": ["Internal ops code 5120103"]
      }
    }
  },
  "Risk": {
    "PaymentContextCode": "TransferToThirdParty"
  }
}

POST /domestic-payments response

HTTP/1.1 201 Created
x-jws-signature: V2hhdCB3ZSBnb3QgaGVyZQ0K..aXMgZmFpbHVyZSB0byBjb21tdW5pY2F0ZQ0K
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json

{
  "Data": {
    "DomesticPaymentId": "7290-003",
    "ConsentId": "7290",
    "Status": "ACSP",
    "CreationDateTime": "2017-06-05T15:15:22+00:00",
    "StatusUpdateDateTime": "2017-06-05T15:15:22+00:00",
    "Initiation": {
      "InstructionIdentification": "ANSM023",
      "EndToEndIdentification": "FRESCO.21302.GFX.37",
      "InstructedAmount": {
        "Amount": "20.00",
        "Currency": "GBP"
      },
      "DebtorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "11280001234567",
        "Name": "Andrea Smith"
      },
      "CreditorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080021325698",
        "Name": "Bob Clements"
      },
      "RemittanceInformation": {
        "Reference": "FRESCO-037",
        "Unstructured": ["Internal ops code 5120103"]
      }
    }
  },
  "Links": {
    "Self": "https://api.alphabank.com/open-banking/v4.0/pisp/domestic-payments/7290-003"
  },
  "Meta": {}
}

Get Domestic Payment Order Consent

GET /domestic-payment-consents/{ConsentId} request

GET /domestic-payment-consents/7290 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

GET /domestic-payment-consents/{ConsentId} 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": {
    "ConsentId": "7290",
    "Status": "COND",
    "CreationDateTime": "2017-06-05T15:15:13+00:00",
    "StatusUpdateDateTime": "2017-06-05T15:15:13+00:00",
    "Initiation": {
      "InstructionIdentification": "ANSM023",
      "EndToEndIdentification": "FRESCO.21302.GFX.37",
      "InstructedAmount": {
        "Amount": "20.00",
        "Currency": "GBP"
      },
      "DebtorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "11280001234567",
        "Name": "Andrea Smith"
      },
      "CreditorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080021325698",
        "Name": "Bob Clements"
      },
      "RemittanceInformation": {
        "Reference": "FRESCO-037",
        "Unstructured": ["Internal ops code 5120103"]
      }
    }
  },
  "Risk": {
    "PaymentContextCode": "TransferToThirdParty"
  },
  "Links": {
    "Self": "https://api.alphabank.com/open-banking/v4.0/pisp/domestic-payment-consents/7290"
  },
  "Meta": {}
}

Get Domestic Payment Order

GET /domestic-payments/{DomesticPaymentId} request

GET /domestic-payments/7290-003 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

GET /domestic-payments/{DomesticPaymentId} 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": "7290-003",
    "ConsentId": "7290",
    "Status": "ACSP",
    "CreationDateTime": "2017-06-05T15:15:22+00:00",
    "StatusUpdateDateTime": "2017-06-05T15:15:22+00:00",
    "Initiation": {
      "InstructionIdentification": "ANSM023",
      "EndToEndIdentification": "FRESCO.21302.GFX.37",
      "InstructedAmount": {
        "Amount": "20.00",
        "Currency": "GBP"
      },
      "DebtorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "11280001234567",
        "Name": "Andrea Smith"
      },
      "CreditorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080021325698",
        "Name": "Bob Clements"
      },
      "RemittanceInformation": {
        "Reference": "FRESCO-037",
        "Unstructured": ["Internal ops code 5120103"]
      }
    }
  },
  "Links": {
    "Self": "https://api.alphabank.com/open-banking/v4.0/pisp/domestic-payments/7290-003"
  },
  "Meta": {}
}

BACS Payment Order Consent

Use of LocalInstrument and CutOffDateTime.

POST /domestic-payment-consents request

POST /domestic-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": {
    "Initiation": {
      "InstructionIdentification": "ANSM023",
      "EndToEndIdentification": "FRESCO.21302.GFX.37",
      "LocalInstrument": "UK.OBIE.BACS",
      "InstructedAmount": {
        "Amount": "20.00",
        "Currency": "GBP"
      },
      "DebtorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "11280001234567",
        "Name": "Andrea Smith"
      },
      "CreditorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080021325698",
        "Name": "Bob Clements"
      },
      "RemittanceInformation": {
        "Reference": "FRESCO-037",
        "Unstructured": ["Internal ops code 5120103"]
      }
    }
  },
  "Risk": {
    "PaymentContextCode": "TransferToThirdParty"
  }
}

POST /domestic-payment-consents 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": {
    "ConsentId": "7290",
    "Status": "AWAU",
    "CreationDateTime": "2017-06-05T15:15:13+00:00",
    "StatusUpdateDateTime": "2017-06-05T15:15:13+00:00",
    "CutOffDateTime":"2017-06-05T17:30:00+00:00",
    "Initiation": {
      "InstructionIdentification": "ANSM023",
      "EndToEndIdentification": "FRESCO.21302.GFX.37",
      "LocalInstrument": "UK.OBIE.BACS",
      "InstructedAmount": {
        "Amount": "20.00",
        "Currency": "GBP"
      },
      "DebtorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "11280001234567",
        "Name": "Andrea Smith"
      },
      "CreditorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080021325698",
        "Name": "Bob Clements"
      },
      "RemittanceInformation": {
        "Reference": "FRESCO-037",
        "Unstructured": ["Internal ops code 5120103"]
      }
    }
  },
  "Risk": {
    "PaymentContextCode": "TransferToThirdParty"
  },
  "Links": {
    "Self": "https://api.alphabank.com/open-banking/v4.0/pisp/domestic-payment-consents/7290"
  },
  "Meta": {}
}

CHAPS Payment Order Consent

Use of LocalInstrument, CreditorPostalAddress, CutOffDateTime and Charges.

POST /domestic-payment-consents request

POST /domestic-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": {
    "Initiation": {
      "InstructionIdentification": "ANSM023",
      "EndToEndIdentification": "FRESCO.21302.GFX.37",
      "LocalInstrument": "UK.OBIE.CHAPS",
      "InstructedAmount": {
        "Amount": "20.00",
        "Currency": "GBP"
      },
      "DebtorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "11280001234567",
        "Name": "Andrea Smith"
      },
      "CreditorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080021325698",
        "Name": "Bob Clements"
      },
      "CreditorPostalAddress": {
        "AddressType": "Correspondence",
        "StreetName": "Liberty",
        "BuildingNumber":"1",
        "PostCode":"AB1 2CD",
        "TownName":"London",
        "Country":"UK"
      },
      "RemittanceInformation": {
        "Reference": "FRESCO-037",
        "Unstructured": ["Internal ops code 5120103"]
      }
    }
  },
  "Risk": {
    "PaymentContextCode": "TransferToThirdParty"
  }
}

POST /domestic-payment-consents 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":{
      "ConsentId":"7290",
      "Status":"AWAU",
      "CreationDateTime":"2017-06-05T15:15:13+00:00",
      "StatusUpdateDateTime":"2017-06-05T15:15:13+00:00",
      "CutOffDateTime":"2017-06-05T17:30:00+00:00",
      "Initiation":{
         "InstructionIdentification":"ANSM023",
         "EndToEndIdentification":"FRESCO.21302.GFX.37",
         "LocalInstrument":"UK.OBIE.CHAPS",
         "InstructedAmount":{
            "Amount":"20.00",
            "Currency":"GBP"
         },
         "DebtorAccount":{
            "SchemeName":"UK.OBIE.SortCodeAccountNumber",
            "Identification":"11280001234567",
            "Name":"Andrea Smith"
         },
         "CreditorAccount":{
            "SchemeName":"UK.OBIE.SortCodeAccountNumber",
            "Identification":"08080021325698",
            "Name":"Bob Clements"
         },
        "CreditorPostalAddress": {
            "AddressType": "Correspondence",
            "StreetName": "Liberty",
            "BuildingNumber":"1",
            "PostCode":"AB1 2CD",
            "TownName":"London",
            "Country":"UK"
         },
         "RemittanceInformation":{
            "Reference":"FRESCO-037",
            "Unstructured": ["Internal ops code 5120103"]
         }
      },
      "Charges":[
         {
            "ChargeBearer":"BorneByDebtor",
            "Type":"UK.OBIE.ChapsOut",
            "Amount":{
               "Amount":"30.00",
               "Currency":"GBP"
            }
         }
      ]
   },
   "Risk":{
      "PaymentContextCode":"TransferToThirdParty"
   },
   "Links":{
      "Self":"https://api.alphabank.com/open-banking/v4.0/pisp/domestic-payment-consents/7290"
   },
   "Meta":{}
}

Balance Transfer

Below in an example illustrating a balance transfer offer available on a Card A.

To facilitate a Balance Transfer, a PISP can initiate a Payment from Card B to Card A with LocalInstrument as UK.OBIE.BalanceTransfer, Account SchemeName as UK.OBIE.PAN and if there is an Offer Code/Id provided by Issuer of the Card A, then it can be supplied in the field: RemittanceInformation.Reference. Example below:

POST /domestic-payment-consents request

POST /domestic-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": {
        "Initiation": {
            "InstructionIdentification": "ANSM023",
            "EndToEndIdentification": "FRESCO.21302.GFX.37",
            "LocalInstrument": "UK.OBIE.BalanceTransfer",
            "InstructedAmount": {
                "Amount": "3000.00",
                "Currency": "GBP"
            },
            "DebtorAccount": {
                "SchemeName": "UK.OBIE.PAN",
                "Identification": "5555555555554444",
                "Name": "Andrea Smith"
            },
            "CreditorAccount": {
                "SchemeName": "UK.OBIE.PAN",
                "Identification": "4444333322221111",
                "Name": "Andrea Smith"
            },
            "RemittanceInformation": {
                "Reference": "BT-OfferCode-12",
                "Unstructured": ["Internal ops code 5120103"]
            }
        }
    },
    "Risk": {
        "PaymentContextCode": "TransferToThirdParty"
    }
}

POST /domestic-payment-consents 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": {
        "ConsentId": "7290",
        "Status": "AWAU",
        "CreationDateTime": "2017-06-05T15:15:13+00:00",
        "StatusUpdateDateTime": "2017-06-05T15:15:13+00:00",
        "CutOffDateTime": "2017-06-05T17:30:00+00:00",
        "Initiation": {
            "InstructionIdentification": "ANSM023",
            "EndToEndIdentification": "FRESCO.21302.GFX.37",
            "LocalInstrument": "UK.OBIE.BalanceTransfer",
            "InstructedAmount": {
                "Amount": "3000.00",
                "Currency": "GBP"
            },
            "DebtorAccount": {
                "SchemeName": "UK.OBIE.PAN",
                "Identification": "5555555555554444",
                "Name": "Andrea Smith"
            },
            "CreditorAccount": {
                "SchemeName": "UK.OBIE.PAN",
                "Identification": "4444333322221111",
                "Name": "Andrea Smith"
            },
            "RemittanceInformation": {
                "Reference": "BT-OfferCode-12",
                "Unstructured": ["Internal ops code 5120103"]
            }
        }
    },
    "Risk": {
        "PaymentContextCode": "TransferToThirdParty"
    },
    "Links": {
        "Self": "https://api.alphabank.com/open-banking/v4.0/pisp/domestic-payment-consents/7290"
    },
    "Meta": {}
}

Money Transfer

Below in an example illustrating Money transfer from a card account to a bank account.

POST /domestic-payment-consents request

POST /domestic-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": {
        "Initiation": {
            "InstructionIdentification": "ANSM023",
            "EndToEndIdentification": "FRESCO.21302.GFX.37",
            "LocalInstrument": "UK.OBIE.MoneyTransfer",
            "InstructedAmount": {
                "Amount": "3000.00",
                "Currency": "GBP"
            },
            "DebtorAccount": {
                "SchemeName": "UK.OBIE.PAN",
                "Identification": "5555555555554444",
                "Name": "Andrea Smith"
            },
            "CreditorAccount": {
                "SchemeName": "UK.OBIE.SortCodeAccountNumber",
                "Identification": "11280001234567",
                "Name": "Andrea Smith"
            },
            "RemittanceInformation": {
                "Reference": "MT-OfferCode-24",
                "Unstructured": ["Internal ops code 5120103"]
            }
        }
    },
    "Risk": {
        "PaymentContextCode": "TransferToThirdParty"
    }
}

POST /domestic-payment-consents 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": {
        "ConsentId": "7290",
        "Status": "AWAU",
        "CreationDateTime": "2017-06-05T15:15:13+00:00",
        "StatusUpdateDateTime": "2017-06-05T15:15:13+00:00",
        "CutOffDateTime": "2017-06-05T17:30:00+00:00",
        "Initiation": {
            "InstructionIdentification": "ANSM023",
            "EndToEndIdentification": "FRESCO.21302.GFX.37",
            "LocalInstrument": "UK.OBIE.MoneyTransfer",
            "InstructedAmount": {
                "Amount": "3000.00",
                "Currency": "GBP"
            },
            "DebtorAccount": {
                "SchemeName": "UK.OBIE.PAN",
                "Identification": "5555555555554444",
                "Name": "Andrea Smith"
            },
            "CreditorAccount": {
                "SchemeName": "UK.OBIE.SortCodeAccountNumber",
                "Identification": "11280001234567",
                "Name": "Andrea Smith"
            },
            "RemittanceInformation": {
                "Reference": "MT-OfferCode-24",
                "Unstructured": ["Internal ops code 5120103"]
            }
        }
    },
    "Risk": {
        "PaymentContextCode": "TransferToThirdParty"
    },
    "Links": {
        "Self": "https://api.alphabank.com/open-banking/v4.0/pisp/domestic-payment-consents/7290"
    },
    "Meta": {}
}