# Funds Confirmation - v4.0
# Overview
The Funds Confirmation resource is used by an CBPII to request to confirm funds are available.
This resource description should be read in conjunction with a compatible Confirmation of Funds API Profile.
# Endpoints
| Resource | HTTP Operation | Endpoint | Mandatory ? | Scope | Grant Type | Message Signing | Idempotency Key | Request Object | Response Object |
|---|---|---|---|---|---|---|---|---|---|
| funds-confirmation | POST | POST /funds-confirmations | Mandatory | fundsconfirmations | Authorization Code | No | No | OBFundsConfirmation1 | OBFundsConfirmationResponse1 |
# POST /funds-confirmations
If the CBPII would like to confirm funds with the ASPSP, it should create a new funds-confirmation resource, and check the funds available flag in the response.
- The ASPSP creates the funds-confirmation resource and responds with a unique FundsConfirmationId to refer to the resource, and a flag confirming if funds are available.
- The CBPII must use a token issued via an authorization code grant and specify the ConsentId in the request payload.
- This CBPII must use a currency of the account.
# Data Model
This data dictionary section gives the detail on the payload content.
# Funds Confirmation - Request
The OBFundsConfirmation1 object will be used for the following:
- Request to POST /funds-confirmations
# UML Diagram
Notes:
- Funds can only be confirmed against the currency of the account, ASPSP must reject the request when Amount is in a different currency than the currency of the underlying account.
# Data Dictionary
| Name | Occurrence | XPath | EnhancedDefinition | Class | Codes | Pattern |
|---|---|---|---|---|---|---|
| OBFundsConfirmation1 | OBFundsConfirmation1 | OBFundsConfirmation1 | ||||
| Data | 1..1 | OBFundsConfirmation1/Data | OBFundsConfirmationData1 | |||
| ConsentId | 1..1 | OBFundsConfirmation1/Data/ConsentId | Unique identification as assigned by the ASPSP to uniquely identify the funds confirmation consent resource. | Max128Text | ||
| Reference | 1..1 | OBFundsConfirmation1/Data/Reference | Unique reference, as assigned by the CBPII, to unambiguously refer to the request related to the payment transaction. | Max35Text | ||
| InstructedAmount | 1..1 | OBFundsConfirmation1/Data/InstructedAmount | Amount of money to be confirmed as available funds in the debtor account. Contains an Amount and a Currency. | OBActiveOrHistoricCurrencyAndAmount | ||
| Amount | 1..1 | OBFundsConfirmation1/Data/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 | OBFundsConfirmation1/Data/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}$ |
# Funds Confirmation - Response
The OBFundsConfirmationResponse1 object will be used for the following:
- Response to POST /funds-confirmations
# UML Diagram
Notes:
The OBFundsConfirmationResponse1 object contains the same information as the OBFundsConfirmation1, but with additional fields:
- FundsConfirmationId - to uniquely identify the funds-confirmation resource.
- FundsAvailable - to indicate the result of a confirmation of funds check.
- CreationDateTime - to indicate when the resource was created.
# Data Dictionary
| Name | Occurrence | XPath | EnhancedDefinition | Class | Codes | Pattern |
|---|---|---|---|---|---|---|
| OBFundsConfirmationResponse1 | OBFundsConfirmationResponse1 | OBFundsConfirmationResponse1 | ||||
| Data | 1..1 | OBFundsConfirmationResponse1/Data | OBFundsConfirmationDataResponse1 | |||
| FundsConfirmationId | 1..1 | OBFundsConfirmationResponse1/Data/FundsConfirmationId | Unique identification as assigned by the ASPSP to uniquely identify the funds confirmation resource. | Max40Text | ||
| ConsentId | 1..1 | OBFundsConfirmationResponse1/Data/ConsentId | Unique identification as assigned by the ASPSP to uniquely identify the funds confirmation consent resource. | Max128Text | ||
| CreationDateTime | 1..1 | OBFundsConfirmationResponse1/Data/CreationDateTime | Date and time at which the resource was created. | ISODateTime | ||
| FundsAvailable | 1..1 | OBFundsConfirmationResponse1/Data/FundsAvailable | Flag to indicate the result of a confirmation of funds check. | xs:boolean | ||
| Reference | 1..1 | OBFundsConfirmationResponse1/Data/Reference | Unique reference, as assigned by the CBPII, to unambiguously refer to the request related to the payment transaction. | Max35Text | ||
| InstructedAmount | 1..1 | OBFundsConfirmationResponse1/Data/InstructedAmount | Amount of money to be confirmed as available funds in the debtor account. Contains an Amount and a Currency. | OBActiveOrHistoricCurrencyAndAmount | ||
| Amount | 1..1 | OBFundsConfirmationResponse1/Data/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 | OBFundsConfirmationResponse1/Data/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}$ |
# Usage Examples
# Funds Confirmation
# Example with all permitted fields
# Request
Post Funds Confirmation Request
POST /funds-confirmations HTTP/1.1
Content-Type: application/json
Authorization: Bearer 1t1satruthun1v3rs4lly
Accept: application/json; charset=utf-8
x-fapi-interaction-id: hook5i13-ntIg-4th3-rP41-3ro535touch3
{
"Data": {
"ConsentId": "88379",
"Reference": "Purchase01",
"InstructedAmount": {
"Amount": "20.00",
"Currency": "GBP"
}
}
}
# Response
Post Funds Confirmation Response
HTTP/1.1 201 Created
Content-Type: application/json
x-fapi-interaction-id: hook5i13-ntIg-4th3-rP41-3ro535touch3
{
"Data": {
"FundsConfirmationId": "123456",
"ConsentId": "88379",
"CreationDateTime": "2017-05-02T00:00:00+00:00",
"FundsAvailable": true,
"Reference": "Purchase01",
"InstructedAmount": {
"Amount": "20.00",
"Currency": "GBP"
}
},
"Links": {
"Self": "https://api.alphabank.com/open-banking/v4.0/cbpii/funds-confirmations/123456"
},
"Meta": {}
}
# Example with a USD account
A funds confirmation check can be made in a currency other than GBP as long as the InstructedAmount is in the currency of the payment account.
In this example, a USD funds check is made on a USD payment account.
# Request
Post Funds Confirmation Request
POST /funds-confirmations HTTP/1.1
Content-Type: application/json
Authorization: Bearer 1t1satruthun1v3rs4lly
Accept: application/json; charset=utf-8
x-fapi-interaction-id: hook5i13-ntIg-4th3-rP41-3ro535touch3
{
"Data": {
"ConsentId": "912304",
"Reference": "Purchase02",
"InstructedAmount": {
"Amount": "20.00",
"Currency": "USD"
}
}
}
# Response
Post Funds Confirmation Response
HTTP/1.1 201 Created
Content-Type: application/json
x-fapi-interaction-id: hook5i13-ntIg-4th3-rP41-3ro535touch3
{
"Data": {
"FundsConfirmationId": "836403",
"ConsentId": "912304",
"CreationDateTime": "2017-06-02T00:00:00+00:00",
"FundsAvailable": true,
"Reference": "Purchase02",
"InstructedAmount": {
"Amount": "20.00",
"Currency": "USD"
}
},
"Links": {
"Self": "https://api.alphabank.com/open-banking/v4.0/cbpii/funds-confirmations/836403"
},
"Meta": {}
}