# Domestic Payments Consents - v4.0

# Overview

The Domestic Payments Consent resource is used by a PISP to register an intent 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-payment-consents POST POST /domestic-payment-consents Mandatory payments Client Credentials Signed Request Signed Response Yes OBWriteDomesticConsent4 OBWriteDomesticConsentResponse5
domestic-payment-consents GET GET /domestic-payment-consents/{ConsentId} Mandatory payments Client Credentials Signed Response No NA OBWriteDomesticConsentResponse5
domestic-payment-consents GET GET /domestic-payment-consents/{ConsentId}/funds-confirmation Mandatory payments Authorization Code Signed Response No NA OBWriteFundsConfirmationResponse1

# POST /domestic-payment-consents

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

  • The POST action indicates to the ASPSP that a domestic 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 domestic-payment-consent resource and responds with a unique ConsentId to refer to the resource.

# Status

The default Status is "AWAU" immediately after the domestic-payment-consent has been created.

Status
AWAU

# GET /domestic-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 "AUTH".

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

Once a domestic-payment has been successfully created using the domestic-payment-consent, the Status of the domestic-payment-consent will be set to "COND".

The available status codes for the domestic-payment-consent resource are:

Status
AWAU
RJCT
AUTH
COND

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

The API endpoint allows the PISP to ask an ASPSP to confirm funds on a domestic-payment-consent resource.

  • An ASPSP can only respond to a funds confirmation request if the domestic-payment-consent resource has an AUTH status. If the status is not AUTH, an ASPSP must respond with a 400 (Bad Request) and a U009 error code.
  • Confirmation of funds requests do not affect the status of the domestic-payment-consent resource.

Refer to External_Internal_CodeSets (opens new window) -> OB_Internal_CodeSet -> OBInternalPermissions1Code.

# State Model

The state model for the domestic-payment-consent resource follows the generic consent state model.

Payment Order Consent

The definitions for the Status:

Status Status Description
1 AWAU The consent resource is awaiting PSU authorisation.
2 RJCT The consent resource has been rejected.
3 AUTH The consent resource has been successfully authorised.
4 COND The consented action has been successfully completed. This does not reflect the status of the consented action.

Changes to the Status, such as being rejected, should be captured in StatusReason, an array of StatusReasonCode, StatusReasonDescription and Path.

Field Description
StatusReasonCode Specifies the status reason in a code form. For a full description see OBExternalStatusReason1Code here (opens new window)
StatusReasonDescription Description of why the code was returned
Path Path is optional but relevant when the status reason refers to an object/field and hence conditional to provide JSON path.

# Data Model

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

# Reused Classes

# OBRemittanceInformation2

The OBRemittanceInformation2 class is defined in the payment-initiation-api-profile page.

# OBRegulatoryReporting1

The OBRegulatoryReporting1 class is defined in the payment-initiation-api-profile page.

# OBUltimateCreditor1

The OBUltimateCreditor1 class is defined in the payment-initiation-api-profile page.

# OBUltimateDebtor1

The OBUltimateDebtor1 class is defined in the payment-initiation-api-profile page.

# OBPostalAddress7

The OBPostalAddress7 class is defined in the payment-initiation-api-profile page

# OBDomestic2

This section describes the OBDomestic2 class which is reused as the Initiation object in the domestic-payment-consent resource.

# UML Diagram

OBDomestic2

# Notes

For the OBDomestic2 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 domestic-payment-consent request immediately.
  • If the ASPSP establishes a problem with the domestic-payment-consent after the API call, the ASPSP must set the Status of the domestic-payment-consent resource to 'RJCT' (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 domestic-payment-consent will be set to Rejected after PSU authentication.
  • Account Identification field usage:
    • Where "UK.OBIE.SortCodeAccountNumber" is specified as the SchemeName in the Account identification section (either DebtorAccount or CreditorAccount), the Identification field must be populated with the 6 digit Sort Code and 8 digit Account Number (a 14 digit field).
    • Where the "UK.OBIE.IBAN" is specified as the SchemeName in the Account identification section (either DebtorAccount or CreditorAccount), the Identification field must be populated with the full IBAN.
  • The element Reference has been renamed from CreditorReferenceInformation as this is the unique ISO 20022 element used in pain.001, rather than an ISO 20022 message component.
  • As a merchant may be initiating a payment via a PISP two identifiers are included in the payload:
    • InstructionIdentification is uniquely generated by the PISP. The expectation is that this is unique indefinitely across all time periods. The PISP can ensure that this is indefinitely unique by including a date or date-time element to the field, or by inserting a unique Id.
    • EndToEndIdentification is uniquely generated by the merchant.
  • Neither the InstructionIdentification nor EndToEndIdentification will be used as the domestic-payment-consent resource identifier (ConsentId) as the ConsentId must be uniquely generated by the ASPSP.
  • LocalInstrument is the requested payment scheme for execution. This is a free-text field.
  • Design decisions for the Initiation section of the payload and how this maps to the ISO 20022 messaging standard are articulated in the Mapping to Schemes and Standards section.
# Data Dictionary
Name Occurrence XPath EnhancedDefinition Class Codes Pattern
OBDomestic2 OBDomestic2 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
InstructionIdentification 1..1 OBDomestic2/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 1..1 OBDomestic2/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 OBDomestic2/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. For a full list of enumeration values refer to OB_Internal_CodeSet here (opens new window) OBInternalLocalInstrument1Code
InstructedAmount 1..1 OBDomestic2/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 OBDomestic2/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 OBDomestic2/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}$
DebtorAccount 0..1 OBDomestic2/DebtorAccount Unambiguous identification of the account of the debtor to which a debit entry will be made as a result of the transaction.
SchemeName 1..1 OBDomestic2/DebtorAccount/SchemeName Name of the identification scheme, in a coded form as published in an external list. For a full list of enumeration values refer to OB_Internal_CodeSet here (opens new window). OBInternalAccountIdentification4Code
Identification 1..1 OBDomestic2/DebtorAccount/Identification Identification assigned by an institution to identify an account. This identification is known by the account owner. Max256Text
Name 0..1 OBDomestic2/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 OBDomestic2/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
Proxy 0..1 OBDomestic2/DebtorAccount/Proxy Specifies an alternate assumed name for the identification of the account. OBProxy1
UltimateDebtor 0..1 OBDomestic2/UltimateDebtor Ultimate party that owes an amount of money to the (ultimate) creditor. OBUltimateDebtor1
CreditorAccount 1..1 OBDomestic2/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 OBDomestic2/CreditorAccount/SchemeName Name of the identification scheme, in a coded form as published in an external list. For a full list of enumeration values refer to OB_Internal_CodeSet here (opens new window). OBInternalAccountIdentification4Code
Identification 1..1 OBDomestic2/CreditorAccount/Identification Identification assigned by an institution to identify an account. This identification is known by the account owner. Max256Text
Name 1..1 OBDomestic2/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 OBDomestic2/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
Proxy 0..1 OBDomestic2/CreditorAccount/Proxy Specifies an alternate assumed name for the identification of the account. OBProxy1
UltimateCreditor 0..1 OBDomestic2/UltimateCreditor Ultimate party to which an amount of money is due. OBUltimateCreditor1
CreditorPostalAddress 0..1 OBDomestic2/CreditorPostalAddress Information that locates and identifies a specific address, as defined by postal services. OBPostalAddress7
RemittanceInformation 0..1 OBDomestic2/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. OBRemittanceInformation2
RegulatoryReporting 0..10 OBDomestic2/RegulatoryReporting Information needed due to regulatory and statutory requirements. OBRegulatoryReporting1
SupplementaryData 0..1 OBDomestic2/SupplementaryData Additional information that can not be captured in the structured fields and/or any other specific block. OBSupplementaryData1
CreditorAgent 0..1 OBDomestic2/CreditorAgent Financial institution servicing an account for the creditor. OBBranchAndFinancialInstitutionIdentification6
SchemeName 0..1 OBDomestic2/CreditorAgent/SchemeName Name of the identification scheme, in a coded form as published in an external list. For a full list of enumeration values refer to OB_Internal_CodeSet here (opens new window). OBExternalFinancialInstitutionIdentification4Code
Identification 0..1 OBDomestic2/CreditorAgent/Identification Unique and unambiguous identification of a financial institution or a branch of a financial institution. Max35Text
Name 0..1 OBDomestic2/CreditorAgent/Name Name by which an agent is known and which is usually used to identify that agent. Max140Text
LEI 0..1 OBDomestic2/CreditorAgent/LEI Legal Entity Identifier is a code allocated to a party as described in ISO 17442 "Financial Services - Legal Entity Identifier (LEI)". Max20Text ^[A-Z0-9]{18,18}[0-9]{2,2}$
PostalAddress 0..1 OBDomestic2/CreditorAgent/PostalAddress Information that locates and identifies a specific address, as defined by postal services. OBPostalAddress7

The OBWriteDomesticConsent4 object will be used for the call to:

  • POST /domestic-payment-consents

# UML Diagram

OBWriteDomesticConsent4

# Notes

The domestic-payment-consent request contains these objects:

  • Initiation
  • Authorisation
  • SCASupportData
  • Risk

# Data Dictionary

Name Occurrence XPath EnhancedDefinition Class Codes Pattern
OBWriteDomesticConsent4 OBWriteDomesticConsent4 OBWriteDomesticConsent4
Data 1..1 OBWriteDomesticConsent4/Data OBWriteDataDomesticConsent4
ReadRefundAccount 0..1 OBWriteDomesticConsent4/Data/ReadRefundAccount Specifies to share the refund account details with PISP For a full list of enumeration values refer to OB_Internal_CodeSet here (opens new window). OBInternalReadRefundAccount1Code
Initiation 1..1 OBWriteDomesticConsent4/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
Authorisation 0..1 OBWriteDomesticConsent4/Data/Authorisation The authorisation type request from the TPP. OBAuthorisation1
SCASupportData 0..1 OBWriteDomesticConsent4/Data/SCASupportData Supporting Data provided by TPP, when requesting SCA Exemption. OBSCASupportData1
Risk 1..1 OBWriteDomesticConsent4/Data/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 OBWriteDomesticConsentResponse5 object will be used for a response to a call to:

  • POST /domestic-payment-consents
  • GET /domestic-payment-consents/{ConsentId}

# UML Diagram

OBWriteDomesticConsentResponse5

# Notes

Them domestic-payment-consent response contains the full original payload from the domestic-payment-consent request, with the additional elements below:

  • ConsentId
  • CreationDateTime the domestic-payment-consent resource was created.
  • Status and StatusUpdateDateTime of the domestic-payment-consent resource.
  • CutOffDateTime Behaviour is explained in Payment Initiation API Profile, Section - Payment Restrictions -> CutOffDateTime Behaviour.
  • ExpectedExecutionDateTime for the domestic-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 domestic-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 for the breakdown of applicable ASPSP charges.
  • 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.

# Data Dictionary

Name Occurrence XPath EnhancedDefinition Class Codes Pattern
OBWriteDomesticConsentResponse5 OBWriteDomesticConsentResponse5 OBWriteDomesticConsentResponse5
Data 1..1 OBWriteDomesticConsentResponse5/Data OBWriteDataDomesticConsentResponse5
ConsentId 1..1 OBWriteDomesticConsentResponse5/Data/ConsentId OB: Unique identification as assigned by the ASPSP to uniquely identify the consent resource. Max128Text
CreationDateTime 1..1 OBWriteDomesticConsentResponse5/Data/CreationDateTime Date and time at which the resource was created. ISODateTime
Status 1..1 OBWriteDomesticConsentResponse5/Data/Status Specifies the status of consent resource in code form. For a full list of enumeration values refer to OB_Internal_CodeSet here (opens new window) OBInternalConsentStatus1Code
StatusReason 0..* OBWriteDomesticConsentResponse5/Data/StatusReason An array of StatusReasonCode OBStatusReason
StatusReasonCode 0..1 OBWriteDomesticConsentResponse5/Data/StatusReason/StatusReasonCode Specifies the status reason in a code form. For a full list of enumeration values refer to OB_Internal_CodeSet here (opens new window) OBExternalStatusReason1Code
StatusReasonDescription 0..1 OBWriteDomesticConsentResponse5/Data/StatusReason/StatusReasonDescription Description supporting the StatusReasonCode. Max500Text
Path 0..1 OBWriteDomesticConsentResponse5/Data/StatusReason/Path Path is optional but relevant when the status reason refers to an object/field and hence conditional to provide JSON path. Max500Text
StatusUpdateDateTime 1..1 OBWriteDomesticConsentResponse5/Data/StatusUpdateDateTime Date and time at which the resource status was updated. ISODateTime
ReadRefundAccount 0..1 OBWriteDomesticConsentResponse5/Data/ReadRefundAccount Specifies to share the refund account details with PISP For a full list of enumeration values refer to OB_Internal_CodeSet here (opens new window). OBInternalReadRefundAccount1Code
CutOffDateTime 0..1 OBWriteDomesticConsentResponse5/Data/CutOffDateTime Specified cut-off date and time for the payment consent. ISODateTime
ExpectedExecutionDateTime 0..1 OBWriteDomesticConsentResponse5/Data/ExpectedExecutionDateTime Expected execution date and time for the payment resource. ISODateTime
ExpectedSettlementDateTime 0..1 OBWriteDomesticConsentResponse5/Data/ExpectedSettlementDateTime Expected settlement date and time for the payment resource. ISODateTime
Charges 0..* OBWriteDomesticConsentResponse5/Data/Charges Set of elements used to provide details of a charge for the payment initiation. OBCharge2
Initiation 1..1 OBWriteDomesticConsentResponse5/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
Authorisation 0..1 OBWriteDomesticConsentResponse5/Data/Authorisation The authorisation type request from the TPP. OBAuthorisation1
SCASupportData 0..1 OBWriteDomesticConsentResponse5/Data/SCASupportData Supporting Data provided by TPP, when requesting SCA Exemption. OBSCASupportData1
Debtor 0..1 OBWriteDomesticConsentResponse5/Data/Debtor Set of elements used to identify a person or an organisation. OBCashAccountDebtor4
Risk 1..1 OBWriteDomesticConsentResponse5/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 /domestic-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

Note, further usage examples are available here.

# 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": {
    "ReadRefundAccount": "Yes",
    "Initiation": {
      "InstructionIdentification": "ACME412",
      "EndToEndIdentification": "FRESCO.21302.GFX.20",
      "LocalInstrument": "UK.OBIE.Paym",
      "InstructedAmount": {
        "Amount": "165.88",
        "Currency": "GBP"
      },
      "DebtorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080025612489",
        "SecondaryIdentification": "080801562314789",
        "Name": "Jane Smith",
        "Proxy": {
          "Identification": "441234012345",
          "Code": "TELE",
          "Type": "Telephone"
        }
      },
      "CreditorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080021325698",
        "Name": "ACME Inc",
        "SecondaryIdentification": "0002",
        "Proxy": {
          "Identification": "2360549017905188",
          "Code": "TELE",
          "Type": "Telephone"
        }
      },
      "CreditorPostalAddress": {
        "AddressType": "BIZZ",
        "Department": "Finance",
        "SubDepartment": "Payroll",
        "StreetName": "Bank Street",
        "BuildingNumber": "11",
        "BuildingName": "Tower Bridges",
        "Floor": "6",
        "UnitNumber": "UNIT591",
        "Room": "844",
        "PostBox": "PO Box 123456",
        "PostCode": "Z78 4TY",
        "TownLocationName": "Bank",
        "TownName": "London",
        "DistrictName": "Greater London",
        "CareOf": "Ms Jane Smith",
        "CountrySubDivision": "England",
        "Country": "UK"
      },
      "UltimateDebtor": {
        "SchemeName": "UK.OBIE.BICFI",
        "Identification": "2360549017905161589",
        "Name": "Ultimate Debtor",
        "LEI": "8200007YHFDMEODY1965",
        "PostalAddress": {
          "AddressType": "BIZZ",
          "StreetName": "Bank Street",
          "BuildingNumber": "11",
          "Floor": "6",
          "PostCode": "Z78 4TY",
          "TownName": "London",
          "Country": "UK"
        }
      },
      "CreditorAgent": {
        "LEI": "IZ9Q00LZEVUKWCQY6X15",
        "SchemeName": "UK.OBIE.BICFI",
        "Identification": "80200112344562",
        "Name": "The Credit Agent",
        "PostalAddress": {
          "AddressType": "BIZZ",
          "StreetName": "Bank Street",
          "BuildingNumber": "11",
          "Floor": "6",
          "PostCode": "Z78 4TY",
          "TownName": "London",
          "Country": "UK"
        }
      },
      "UltimateCreditor": {
        "SchemeName": "UK.OBIE.BICFI",
        "Identification": "2360549017905161589",
        "Name": "Ultimate Creditor",
        "LEI": "60450004FECVJV7YN339",
        "PostalAddress": {
          "AddressType": "BIZZ",
          "StreetName": "Bank Street",
          "BuildingNumber": "11",
          "Floor": "6",
          "PostCode": "Z78 4TY",
          "TownName": "London",
          "Country": "UK"
        }
      },
      "RegulatoryReporting": [
        {
          "DebitCreditReportingIndicator": "CRED",
          "Authority": {
            "Name": "string",
            "CountryCode": "UG"
          },
          "Details": [
            {
              "Type": "CRED",
              "Date": "2024-04-25T13:26:41.911Z",
              "Information": [
                "Reg info1",
                "Reg info2"
              ],
              "Country": "QG",
              "Amount": {
                "Amount": "4.68702",
                "Currency": "JGM"
              }
            }
          ]
        }
      ],
      "RemittanceInformation": {
        "Structured": [
          {
            "ReferredDocumentInformation": [
              {
                "Code": "CINV",
                "Issuer": "Issuer01",
                "Number": "Number_01",
                "RelatedDate": "2024-04-25T13:26:41.911Z",
                "LineDetails": [
                  "LineDetail"
                ]
              }
            ],
            "ReferredDocumentAmount": 1,
            "CreditorReferenceInformation": {
              "Code": "DISP",
              "Issuer": "Issuer01",
              "Reference": "REF_26518"
            },
            "Invoicer": "INVR51856",
            "Invoicee": "INVE5161856",
            "TaxRemittance": "Tax Remittance related information",
            "AdditionalRemittanceInformation": [
              "Free text for additional information"
            ]
          }
        ],
        "Unstructured": ["Internal ops code 5120101"]
      }
    },
    "Authorisation": {
      "AuthorisationType": "Any",
      "CompletionDateTime": "2025-05-30T10:35:27Z"
    },
    "SCASupportData": {
      "RequestedSCAExemptionType": "EcommerceGoods",
      "AppliedAuthenticationApproach": "SCA",
      "ReferencePaymentOrderId": "O-611265"
    },
    "Risk": {
      "PaymentContextCode": "EcommerceMerchantInitiatedPayment",
      "ContractPresentIndicator": false,
      "PaymentPurposeCode": "EPAY",
      "CategoryPurposeCode": "CASH",
      "BeneficiaryPaymentDetailsPrepopulatedIndicator": false,
      "BeneficiaryAccountType": "Business",
      "MerchantCategoryCode": "7300",
      "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": {
    "ConsentId": "58923",
    "Status": "AWAU",
    "LocalInstrument": "UK.OBIE.CHAPS", 
    "StatusReason": {
      "StatusReasonCode": "U036", 
      "StatusReasonDescription":"Waiting for completion of consent authorisation to be completed by user",
    },
    "CutOffDateTime": "2017-07-05T15:15:22+00:00",
    "ExpectedExecutionDateTime": "2017-06-05T15:15:22+00:00",
    "ExpectedSettlementDateTime": "2017-06-06T15:15:22+00:00",
    "CreationDateTime": "2017-06-05T15:15:13+00:00",
    "StatusUpdateDateTime": "2017-06-05T15:15:13+00:00",
    "ReadRefundAccount": "Yes",
    "Authorisation": {
      "Type": "Any",
      "CompletionDateTime": "2024-05-30T10:35:27Z"
    },
    "Charges": [{
       "ChargeBearer": "Shared",
       "Type": "UK.OBIE.CHAPSOut",
       "Amount"  {
        "Amount": "0.88",
        "Currency": "GBP"
      },
    }],
    "Initiation": {
      "InstructionIdentification": "ACME412",
      "EndToEndIdentification": "FRESCO.21302.GFX.20",
      "LocalInstrument": "UK.OBIE.Paym",
      "InstructedAmount": {
        "Amount": "165.88",
        "Currency": "GBP"
      },
       "DebtorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080025612489",
        "SecondaryIdentification": "080801562314789",
        "Name": "Jane Smith",
        "Proxy": {
          "Identification": "441234012345",
          "Code": "TELE",
          "Type": "Telephone"
        },
      },
      "CreditorAccount": {
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080021325698",
        "Name": "ACME Inc",
        "SecondaryIdentification": "0002",
        "Proxy": {
          "Identification": "441234012885",
          "Code": "TELE",
          "Type": "Telephone"
        },
      },
       "CreditorAgent": {  
          "LEI": "IZ9Q00LZEVUKWCQY6X15",
          "SchemeName": "UK.OBIE.BICFI",
          "Identification": "80200112344562",
          "Name": "The Credit Agent", 
          "PostalAddress": { 
            "AddressType": "BIZZ",
            "StreetName": "Bank Street",
            "BuildingNumber": "11",
            "Floor": "6",
            "PostCode": "Z78 4TY",
            "TownName": "London",
            "Country": "UK"
        }
      },
      "CreditorPostalAddress":{
        "AddressType": "BIZZ",
        "StreetName": "Bank Street",
        "BuildingNumber": "11",
        "Floor": "6",
        "PostCode": "Z78 4TY",
        "TownName": "London",
        "Country": "UK"
      },
      "UltimateDebtor": {
        "SchemeName": "UK.OBIE.BICFI",
        "Identification": "2360549017905161589",
        "Name": "Ultimate Debtor",
        "LEI": "8200007YHFDMEODY1965",
        "PostalAddress": {
          "AddressType": "BIZZ",
          "StreetName": "Bank Street",
          "BuildingNumber": "11",
          "Floor": "6",
          "PostCode": "Z78 4TY",
          "TownName": "London",
          "Country": "UK"
        }
      },
      "UltimateCreditor": {
        "SchemeName": "UK.OBIE.BICFI",
        "Identification": "2360549017905161589",
        "Name": "Ultimate Creditor",
        "LEI": "60450004FECVJV7YN339",
        "PostalAddress": {
          "AddressType": "BIZZ",
          "StreetName": "Bank Street",
          "BuildingNumber": "11",
          "Floor": "6",
          "PostCode": "Z78 4TY",
          "TownName": "London",
          "Country": "UK"
          }
        },
      "Debtor": {
        "Name": "D Jones",
        "SchemeName": "UK.OBIE.SortCodeAccountNumber",
        "Identification": "08080021325698",
        "SecondaryIdentification": "0002",
        "LEI": "8200007YHFDMEODY1965",
      },
      "RegulatoryReporting": [{
          "DebitCreditReportingIndicator": "CRED",
          "Authority": {
            "Name": "string",
            "CountryCode": "UG"
          },
          "Details": [{
              "Type": "CRED",
              "Date": "2024-04-25T13:26:41.911Z",
              "Information": ["Reg info1", "Reg info2"],
              "Country": "QG",
              "Amount": {
                "Amount": "4.68702",
                "Currency": "JGM"
              }
            }]
        }],
      "RemittanceInformation": {
        "Structured": [{
            "ReferredDocumentInformation": [{
                "Code": "CINV",
                "Issuer": "Issuer01",
                "Number": "Number_01",
                "RelatedDate": "2024-04-25T13:26:41.911Z",
                "LineDetails": [
                  "string"
                ]
              }],
            "ReferredDocumentAmount": 1,
            "CreditorReferenceInformation": {
              "Code": "DISP",
              "Issuer": "Issuer01",
              "Reference": "REF_26518"
            },
            "Invoicer": "INVR51856",
            "Invoicee": "INVE5161856",
            "TaxRemittance": "Tax Remittance related information",
            "AdditionalRemittanceInformation": ["Free text for additional information"],
          }],
          "Unstructured": ["Internal ops code 5120101"]
        }
      }
  },
  "SCASupportData": {
    "RequestedSCAExemptionType": "EcommerceGoods",
    "AppliedAuthenticationApproach": "SCA",
    "ReferencePaymentOrderId": "O-611265",
  },
  "Risk": {
    "PaymentContextCode": "EcommerceMerchantInitiatedPayment",
    "ContractPresentIndicator": false,
    "PaymentPurposeCode": "EPAY",
    "CategoryPurposeCode": "CASH", 
    "BeneficiaryPaymentDetailsPrepopulatedIndicator": false,
    "BeneficiaryAccountType": "Business",
    "MerchantCategoryCode": "7300", 
    "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-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

# 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",
    "ReadRefundAccount": "Yes",
    "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",
        "Proxy": {
          "Identification": "441234012885",
          "Code": "TELE",
          "Type": "Telephone"
        },
      },
      "CreditorPostalAddress":{
        "AddressType": "BIZZ",
        "StreetName": "Bank Street",
        "BuildingNumber": "11",
        "Floor": "6",
        "PostCode": "Z78 4TY",
        "TownName": "London",
        "Country": "UK"
      },
      "CreditorAgent": {  
          "LEI": "IZ9Q00LZEVUKWCQY6X15",
          "SchemeName": "UK.OBIE.BICFI",
          "Identification": "80200112344562",
          "Name": "The Credit Agent", 
          "PostalAddress": { 
            "AddressType": "BIZZ",
            "StreetName": "Bank Street",
            "BuildingNumber": "11",
            "Floor": "6",
            "PostCode": "Z78 4TY",
            "TownName": "London",
            "Country": "UK"
        }
      },
      "UltimateDebtor": {
        "SchemeName": "UK.OBIE.BICFI",
        "Identification": "2360549017905161589",
        "Name": "Ultimate Debtor",
        "LEI": "8200007YHFDMEODY1965",
        "PostalAddress": {
          "AddressType": "BIZZ",
          "StreetName": "Bank Street",
          "BuildingNumber": "11",
          "Floor": "6",
          "PostCode": "Z78 4TY",
          "TownName": "London",
          "Country": "UK"
        }
      },
      "UltimateCreditor": {
        "SchemeName": "UK.OBIE.BICFI",
        "Identification": "2360549017905161589",
        "Name": "Ultimate Creditor",
        "LEI": "60450004FECVJV7YN339",
        "PostalAddress": {
          "AddressType": "BIZZ",
          "StreetName": "Bank Street",
          "BuildingNumber": "11",
          "Floor": "6",
          "PostCode": "Z78 4TY",
          "TownName": "London",
          "Country": "UK"
          }
        },
      "RegulatoryReporting": [{
          "DebitCreditReportingIndicator": "CRED",
          "Authority": {
            "Name": "string",
            "CountryCode": "UG"
          },
          "Details": [{
            "Date": "2024-04-25T13:26:41.911Z",
            "Country": "QG",
            "Amount": {
              "Amount": "4.68702",
              "Currency": "JGM"
            }
            }]
        }],
      "RemittanceInformation": {
        "Structured": [{
            "ReferredDocumentInformation": [{
                "Code": "CINV",
                "Issuer": "Issuer01",
                "Number": "Number_01",
                "RelatedDate": "2024-04-25T13:26:41.911Z",
                "LineDetails": [
                  "string"
                ]
              }],
            "ReferredDocumentAmount": 1,
            "CreditorReferenceInformation": {
              "Code": "DISP",
              "Issuer": "Issuer01",
              "Reference": "REF_26518"
            },
            "Invoicer": "INVR51856",
            "Invoicee": "INVE5161856",
            "TaxRemittance": "Tax Remittance related information",
            "AdditionalRemittanceInformation": ["Free text for additional information"],  
          }
        ],
        "Unstructured": ["Internal ops code 5120101"]
       }
    },
    "Debtor": {
      "Name": "D Jones",
      "SchemeName": "UK.OBIE.SortCodeAccountNumber",
      "Identification": "08080021325698",
      "SecondaryIdentification": "0002",
      "LEI": "8200007YHFDMEODY1965",
    }
  },
  "SCASupportData": {
   "RequestedSCAExemptionType": "EcommerceGoods",
    "AppliedAuthenticationApproach": "SCA",
    "ReferencePaymentOrderId": "O-611265",
  },
  "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": {}
}