API Explorer

v2.2.0 (220 APIs)

Bank
Accounts
Views
Counterparties
Transactions

Answer Transaction Request Challenge

In Sandbox mode, any string that can be converted to a positive integer will be accepted as an answer.

This endpoint totally depends on createTransactionRequest, it need get the following data from createTransactionRequest response body.

1)TRANSACTION_REQUEST_TYPE : is the same as createTransactionRequest request URL .

2)TRANSACTION_REQUEST_ID : is the id field in createTransactionRequest response body.

3) id : is challenge.id field in createTransactionRequest response body.

4) answer : must be 123. if it is in sandbox mode. If it kafka mode, the answer can be got by phone message or other security ways.

Authentication is Mandatory

URL Parameters:

ACCOUNT_ID: 8ca8a7e4-6d02-40e3-a129-0b2bf89de9f0

BANK_ID: gh.29.uk

TRANSACTION_REQUEST_ID: 8138a7e4-6d02-40e3-a129-0b2bf89de9f1

TRANSACTION_REQUEST_TYPE: SEPA

VIEW_ID: owner

JSON request body fields:

answer:

id: d8839721-ad8f-45dd-9f78-2080414b93f9

JSON response body fields:

account_id: 8ca8a7e4-6d02-40e3-a129-0b2bf89de9f0

allowed_attempts: 5

amount: 10.12

bank_id: gh.29.uk

challenge:

challenge_type:

charge:

currency: EUR

description: This an optional field. Maximum length is 2000. It can be any characters here.

details:

end_date:

from:

id: d8839721-ad8f-45dd-9f78-2080414b93f9

start_date: 2020-01-27

status:

summary:

to:

transaction_ids:

type:

value: 5987953

Typical Successful Response:

								
									
{ "id":"82f92531-9c63-4246-abfc-96c20ec46188", "type":"SANDBOX_TAN", "from":{ "bank_id":"gh.29.uk", "account_id":"8ca8a7e4-6d02-40e3-a129-0b2bf89de9f0" }, "details":{ "to":{ "bank_id":"String", "account_id":"String" }, "value":{ "currency":"EUR", "amount":"100" }, "description":"String" }, "transaction_ids":"666666-9c63-4246-abfc-96c20ec46188", "status":"COMPLETED", "start_date":"1100-01-01T00:00:00Z", "end_date":"1100-01-01T00:00:00Z", "challenge":{ "id":"be1a183d-b301-4b83-b855-5eeffdd3526f", "allowed_attempts":3, "challenge_type":"SANDBOX_TAN" }, "charge":{ "summary":"Rent the flat", "value":{ "currency":"EUR", "amount":"0" } } }
Validations:
  • Required JSON Validation: No
  • Allowed Authentication Types: Not set
Possible Errors:
  • OBP-20001: User not logged in. Authentication is required!
  • OBP-30111: Invalid Bank Id. The BANK_ID should only contain 0-9/a-z/A-Z/'-'/'.'/'_', the length should be smaller than 255.
  • OBP-30110: Invalid Account Id. The ACCOUNT_ID should only contain 0-9/a-z/A-Z/'-'/'.'/'_', the length should be smaller than 255.
  • OBP-10001: Incorrect json format.
  • OBP-30001: Bank not found. Please specify a valid value for BANK_ID.
  • OBP-20017: Current user does not have access to the view. Please specify a valid value for VIEW_ID.
  • OBP-40011: Transaction Request Status is not INITIATED.
  • OBP-40009: The TRANSACTION_REQUEST_TYPE has changed.
  • OBP-40010: Invalid Challenge Id. Please specify a valid value for CHALLENGE_ID.
  • OBP-40014: Sorry, you've used up your allowed attempts.
  • OBP-00003: Transaction Requests is disabled in this API instance.
  • OBP-50000: Unknown Error.
Connector Methods:
Version: OBPv2.1.0, function_name: by answerTransactionRequestChallenge, operation_id: OBPv2.1.0-answerTransactionRequestChallenge Tags: Transaction-Request, Payment Initiation Service (PIS), PSD2,

Create Transaction Request (COUNTERPARTY)

Special instructions for COUNTERPARTY:

When using a COUNTERPARTY to create a Transaction Request, specificy the counterparty_id in the body of the request.
The routing details of the counterparty will be forwarded for the transfer.

Initiate a Payment via creating a Transaction Request.

In OBP, a transaction request may or may not result in a transaction. However, a transaction only has one possible state: completed.

A Transaction Request can have one of several states.

Transactions are modeled on items in a bank statement that represent the movement of money.

Transaction Requests are requests to move money which may or may not succeeed and thus result in a Transaction.

A Transaction Request might create a security challenge that needs to be answered before the Transaction Request proceeds.

Transaction Requests contain charge information giving the client the opportunity to proceed or not (as long as the challenge level is appropriate).

Transaction Requests can have one of several Transaction Request Types which expect different bodies. The escaped body is returned in the details key of the GET response.
This provides some commonality and one URL for many different payment or transfer types with enough flexibility to validate them differently.

The payer is set in the URL. Money comes out of the BANK_ID and ACCOUNT_ID specified in the URL.

In sandbox mode, TRANSACTION_REQUEST_TYPE is commonly set to SANDBOX_TAN. See getTransactionRequestTypesSupportedByBank for all supported types.

In sandbox mode, if the amount is less than 1000 EUR (any currency, unless it is set differently on this server), the transaction request will create a transaction without a challenge, else the Transaction Request will be set to INITIALISED and a challenge will need to be answered.

If a challenge is created you must answer it using Answer Transaction Request Challenge before the Transaction is created.

You can transfer between different currency accounts. (new in 2.0.0). The currency in body must match the sending account.

The following static FX rates are available in sandbox mode:

{
"XAF":{
"XAF":1.0,
"HKD":0.0135503,
"AUD":0.00228226,
"KRW":1.87975,
"JOD":0.00127784,
"GBP":0.00131092,
"MXN":0.0396,
"AED":0.00601555,
"INR":0.110241,
"XBT":2.9074795E-8,
"JPY":0.185328,
"USD":0.00163773,
"ILS":0.00641333,
"EUR":0.00152449
},
"HKD":{
"XAF":73.8049,
"HKD":1.0,
"AUD":0.178137,
"KRW":143.424,
"JOD":0.0903452,
"GBP":0.0985443,
"MXN":2.8067,
"AED":0.467977,
"INR":9.09325,
"XBT":2.164242461E-6,
"JPY":14.0867,
"USD":0.127427,
"ILS":0.460862,
"EUR":0.112495
},
"AUD":{
"XAF":438.162,
"HKD":5.61346,
"AUD":1.0,
"KRW":895.304,
"JOD":0.556152,
"GBP":0.609788,
"MXN":16.0826,
"AED":2.88368,
"INR":50.4238,
"XBT":1.2284055924E-5,
"JPY":87.0936,
"USD":0.785256,
"ILS":2.83558,
"EUR":0.667969
},
"KRW":{
"XAF":0.531986,
"HKD":0.00697233,
"AUD":0.00111694,
"KRW":1.0,
"JOD":6.30634E-4,
"GBP":6.97389E-4,
"MXN":0.0183,
"AED":0.00320019,
"INR":0.0586469,
"XBT":1.4234725E-8,
"JPY":0.0985917,
"USD":8.7125E-4,
"ILS":0.00316552,
"EUR":8.11008E-4
},
"JOD":{
"XAF":782.572,
"HKD":11.0687,
"AUD":1.63992,
"KRW":1585.68,
"JOD":1.0,
"GBP":1.06757,
"MXN":30.8336,
"AED":5.18231,
"INR":90.1236,
"XBT":2.3803244006E-5,
"JPY":156.304,
"USD":1.41112,
"ILS":5.02018,
"EUR":0.237707
},
"GBP":{
"XAF":762.826,
"HKD":10.1468,
"AUD":1.63992,
"KRW":1433.92,
"JOD":0.936707,
"GBP":1.0,
"MXN":29.242,
"AED":4.58882,
"INR":84.095,
"XBT":2.2756409956E-5,
"JPY":141.373,
"USD":1.2493,
"ILS":4.7002,
"EUR":1.16278
},
"MXN":{
"XAF":25.189,
"HKD":0.3562,
"AUD":0.0621,
"KRW":54.4512,
"JOD":0.0324,
"GBP":0.0341,
"MXN":1.0,
"AED":0.1688,
"INR":3.3513,
"XBT":8.1112586E-7,
"JPY":4.8687,
"USD":0.0459,
"ILS":0.1541,
"EUR":0.0384
},
"AED":{
"XAF":166.236,
"HKD":2.13685,
"AUD":0.346779,
"KRW":312.482,
"JOD":0.1930565,
"GBP":0.217921,
"MXN":5.9217,
"AED":1.0,
"INR":18.3255,
"XBT":4.603349217E-6,
"JPY":30.8081,
"USD":0.27225,
"ILS":0.968033,
"EUR":0.253425
},
"INR":{
"XAF":9.07101,
"HKD":0.109972,
"AUD":0.0198319,
"KRW":17.0512,
"JOD":0.0110959,
"GBP":0.0118913,
"MXN":0.2983,
"AED":0.0545671,
"INR":1.0,
"XBT":2.2689396E-7,
"JPY":1.68111,
"USD":0.0148559,
"ILS":0.0556764,
"EUR":0.0138287
},
"XBT":{
"XAF":3.4353824E7,
"HKD":460448.9,
"AUD":81168.603,
"KRW":7.0131575E7,
"JOD":41960.111,
"GBP":44188.118,
"MXN":1230503.3,
"AED":217414.47,
"INR":4407607.74,
"XBT":1.0,
"JPY":6805170.8,
"USD":59245.918,
"ILS":182981.21,
"EUR":52436.431
},
"JPY":{
"XAF":5.39585,
"HKD":0.0709891,
"AUD":0.0114819,
"KRW":10.1428,
"JOD":0.00639777,
"GBP":0.0070735,
"MXN":0.2053,
"AED":0.032459,
"INR":0.594846,
"XBT":1.47171931E-7,
"JPY":1.0,
"USD":0.00883695,
"ILS":0.0320926,
"EUR":0.00822592
},
"USD":{
"XAF":610.601,
"HKD":7.84766,
"AUD":1.27347,
"KRW":1147.78,
"JOD":0.708659,
"GBP":0.800446,
"MXN":21.748,
"AED":3.6731,
"INR":67.3135,
"XBT":1.69154E-5,
"JPY":113.161,
"USD":1.0,
"ILS":3.55495,
"EUR":0.930886
},
"ILS":{
"XAF":155.925,
"HKD":2.16985,
"AUD":0.352661,
"KRW":315.903,
"JOD":0.199196,
"GBP":0.212763,
"MXN":6.4871,
"AED":1.03302,
"INR":17.9609,
"XBT":5.452272147E-6,
"JPY":31.1599,
"USD":0.281298,
"ILS":1.0,
"EUR":1.19318
},
"EUR":{
"XAF":655.957,
"HKD":8.88926,
"AUD":1.49707,
"KRW":1233.03,
"JOD":0.838098,
"GBP":0.860011,
"MXN":26.0359,
"AED":3.94594,
"INR":72.3136,
"XBT":1.9087905636E-5,
"JPY":121.567,
"USD":1.07428,
"ILS":4.20494,
"EUR":1.0
}
}

Transaction Requests satisfy PSD2 requirements thus:

1) A transaction can be initiated by a third party application.

2) The customer is informed of the charge that will incurred.

3) The call supports delegated authentication (OAuth)

See this python code for a complete example of this flow.

There is further documentation here

Authentication is Mandatory

URL Parameters:

ACCOUNT_ID: 8ca8a7e4-6d02-40e3-a129-0b2bf89de9f0

BANK_ID: gh.29.uk

COUNTERPARTY:

VIEW_ID: owner

JSON request body fields:

amount: 10.12

charge_policy: SHARED

counterparty_id: 9fg8a7e4-6d02-40e3-a129-0b2bf89de8uh

currency: EUR

description: This an optional field. Maximum length is 2000. It can be any characters here.

to:

value: 5987953

future_date: 20200127

JSON response body fields:

account:

account_id: 8ca8a7e4-6d02-40e3-a129-0b2bf89de9f0

allowed_attempts: 5

amount: 10.12

bank_code: CGHZ

bank_id: gh.29.uk

branch_number:

challenge:

challenge_type:

charge:

counterparty_id: 9fg8a7e4-6d02-40e3-a129-0b2bf89de8uh

creditorAccount:

creditorName:

currency: EUR

date_of_birth: 2018-03-09

debtorAccount:

description: This an optional field. Maximum length is 2000. It can be any characters here.

details:

end_date:

from:

future_date: 20200127

iban: DE91 1000 0000 0123 4567 89

id: d8839721-ad8f-45dd-9f78-2080414b93f9

instructedAmount: 100

kyc_document:

legal_name: Eveline Tripman

message: 123456

mobile_phone_number: +49 30 901820

name: ACCOUNT_MANAGEMENT_FEE

nickname:

number:

otherAccountRoutingAddress: otherAccountRoutingAddress

otherAccountRoutingScheme: otherAccountRoutingScheme

otherAccountSecondaryRoutingAddress: otherAccountSecondaryRoutingAddress

otherAccountSecondaryRoutingScheme: otherAccountSecondaryRoutingScheme

otherBankRoutingAddress: otherBankRoutingAddress

otherBankRoutingScheme: otherBankRoutingScheme

otherBranchRoutingAddress: otherBranchRoutingAddress

otherBranchRoutingScheme: otherBranchRoutingScheme

start_date: 2020-01-27

status:

summary:

to:

transaction_ids:

transfer_type:

type:

value: 5987953

to_counterparty:

to_sandbox_tan:

to_sepa:

to_sepa_credit_transfers:

to_simple: to_simple

to_transfer_to_account:

to_transfer_to_atm:

to_transfer_to_phone:

Typical Successful Response:

								
									
{ "id":"4050046c-63b3-4868-8a22-14b4181d33a6", "type":"SANDBOX_TAN", "from":{ "bank_id":"gh.29.uk", "account_id":"8ca8a7e4-6d02-40e3-a129-0b2bf89de9f0" }, "details":{ "to_sandbox_tan":{ "bank_id":"String", "account_id":"String" }, "to_sepa":{ "iban":"String" }, "to_counterparty":{ "counterparty_id":"9fg8a7e4-6d02-40e3-a129-0b2bf89de8uh" }, "to_simple":{ "otherBankRoutingScheme":"BIC", "otherBankRoutingAddress":"GENODEM1GLS", "otherBranchRoutingScheme":"BRANCH-CODE", "otherBranchRoutingAddress":"DERBY6", "otherAccountRoutingScheme":"IBAN", "otherAccountRoutingAddress":"DE91 1000 0000 0123 4567 89", "otherAccountSecondaryRoutingScheme":"IBAN", "otherAccountSecondaryRoutingAddress":"DE91 1000 0000 0123 4567 89" }, "to_transfer_to_phone":{ "value":{ "currency":"EUR", "amount":"0" }, "description":"String", "message":"String", "from":{ "mobile_phone_number":"+44 07972 444 876", "nickname":"String" }, "to":{ "mobile_phone_number":"+44 07972 444 876" } }, "to_transfer_to_atm":{ "value":{ "currency":"EUR", "amount":"0" }, "description":"String", "message":"String", "from":{ "mobile_phone_number":"+44 07972 444 876", "nickname":"String" }, "to":{ "legal_name":"Eveline Tripman", "date_of_birth":"20181230", "mobile_phone_number":"+44 07972 444 876", "kyc_document":{ "type":"String", "number":"String" } } }, "to_transfer_to_account":{ "value":{ "currency":"EUR", "amount":"0" }, "description":"String", "transfer_type":"String", "future_date":"20181230", "to":{ "name":"String", "bank_code":"String", "branch_number":"String", "account":{ "number":"String", "iban":"String" } } }, "to_sepa_credit_transfers":{ "debtorAccount":{ "iban":"12345" }, "instructedAmount":{ "currency":"EUR", "amount":"0" }, "creditorAccount":{ "iban":"54321" }, "creditorName":"John Miles" }, "value":{ "currency":"EUR", "amount":"100" }, "description":"This an optional field. Maximum length is 2000. It can be any characters here." }, "transaction_ids":["902ba3bb-dedd-45e7-9319-2fd3f2cd98a1"], "status":"COMPLETED", "start_date":"1100-01-01T00:00:00Z", "end_date":"1100-01-01T00:00:00Z", "challenge":{ "id":"be1a183d-b301-4b83-b855-5eeffdd3526f", "allowed_attempts":3, "challenge_type":"SANDBOX_TAN" }, "charge":{ "summary":"Rent the flat", "value":{ "currency":"EUR", "amount":"0" } } }
Validations:
  • Required JSON Validation: No
  • Allowed Authentication Types: Not set
Possible Errors:
  • OBP-20001: User not logged in. Authentication is required!
  • OBP-20001: User not logged in. Authentication is required!
  • OBP-30111: Invalid Bank Id. The BANK_ID should only contain 0-9/a-z/A-Z/'-'/'.'/'_', the length should be smaller than 255.
  • OBP-30110: Invalid Account Id. The ACCOUNT_ID should only contain 0-9/a-z/A-Z/'-'/'.'/'_', the length should be smaller than 255.
  • OBP-10001: Incorrect json format.
  • OBP-30001: Bank not found. Please specify a valid value for BANK_ID.
  • OBP-30003: Account not found. Please specify a valid value for ACCOUNT_ID.
  • OBP-30005: View not found for Account. Please specify a valid value for VIEW_ID
  • OBP-40002: Insufficient authorisation to create TransactionRequest. The Transaction Request could not be created because the login user doesn't have access to the view of the from account or the consumer doesn't have the access to the view of the from account or the login user does not have the `CanCreateAnyTransactionRequest` role or the view does not have the permission canaddtransactionrequesttoanyaccount.
  • OBP-20017: Current user does not have access to the view. Please specify a valid value for VIEW_ID.
  • OBP-40001: Invalid value for TRANSACTION_REQUEST_TYPE
  • OBP-10001: Incorrect json format.
  • OBP-10002: Invalid Number. Could not convert value to a number.
  • OBP-40008: Can't send a payment with a value of 0 or less.
  • OBP-40003: Transaction Request Currency must be the same as From Account Currency.
  • OBP-00003: Transaction Requests is disabled in this API instance.
  • OBP-50000: Unknown Error.
Connector Methods:
Version: OBPv2.1.0, function_name: by createTransactionRequestCounterparty, operation_id: OBPv2.1.0-createTransactionRequestCounterparty Tags: Transaction-Request, Payment Initiation Service (PIS), PSD2,

Create Transaction Request (FREE_FORM)

Initiate a Payment via creating a Transaction Request.

In OBP, a transaction request may or may not result in a transaction. However, a transaction only has one possible state: completed.

A Transaction Request can have one of several states.

Transactions are modeled on items in a bank statement that represent the movement of money.

Transaction Requests are requests to move money which may or may not succeeed and thus result in a Transaction.

A Transaction Request might create a security challenge that needs to be answered before the Transaction Request proceeds.

Transaction Requests contain charge information giving the client the opportunity to proceed or not (as long as the challenge level is appropriate).

Transaction Requests can have one of several Transaction Request Types which expect different bodies. The escaped body is returned in the details key of the GET response.
This provides some commonality and one URL for many different payment or transfer types with enough flexibility to validate them differently.

The payer is set in the URL. Money comes out of the BANK_ID and ACCOUNT_ID specified in the URL.

In sandbox mode, TRANSACTION_REQUEST_TYPE is commonly set to SANDBOX_TAN. See getTransactionRequestTypesSupportedByBank for all supported types.

In sandbox mode, if the amount is less than 1000 EUR (any currency, unless it is set differently on this server), the transaction request will create a transaction without a challenge, else the Transaction Request will be set to INITIALISED and a challenge will need to be answered.

If a challenge is created you must answer it using Answer Transaction Request Challenge before the Transaction is created.

You can transfer between different currency accounts. (new in 2.0.0). The currency in body must match the sending account.

The following static FX rates are available in sandbox mode:

{
"XAF":{
"XAF":1.0,
"HKD":0.0135503,
"AUD":0.00228226,
"KRW":1.87975,
"JOD":0.00127784,
"GBP":0.00131092,
"MXN":0.0396,
"AED":0.00601555,
"INR":0.110241,
"XBT":2.9074795E-8,
"JPY":0.185328,
"USD":0.00163773,
"ILS":0.00641333,
"EUR":0.00152449
},
"HKD":{
"XAF":73.8049,
"HKD":1.0,
"AUD":0.178137,
"KRW":143.424,
"JOD":0.0903452,
"GBP":0.0985443,
"MXN":2.8067,
"AED":0.467977,
"INR":9.09325,
"XBT":2.164242461E-6,
"JPY":14.0867,
"USD":0.127427,
"ILS":0.460862,
"EUR":0.112495
},
"AUD":{
"XAF":438.162,
"HKD":5.61346,
"AUD":1.0,
"KRW":895.304,
"JOD":0.556152,
"GBP":0.609788,
"MXN":16.0826,
"AED":2.88368,
"INR":50.4238,
"XBT":1.2284055924E-5,
"JPY":87.0936,
"USD":0.785256,
"ILS":2.83558,
"EUR":0.667969
},
"KRW":{
"XAF":0.531986,
"HKD":0.00697233,
"AUD":0.00111694,
"KRW":1.0,
"JOD":6.30634E-4,
"GBP":6.97389E-4,
"MXN":0.0183,
"AED":0.00320019,
"INR":0.0586469,
"XBT":1.4234725E-8,
"JPY":0.0985917,
"USD":8.7125E-4,
"ILS":0.00316552,
"EUR":8.11008E-4
},
"JOD":{
"XAF":782.572,
"HKD":11.0687,
"AUD":1.63992,
"KRW":1585.68,
"JOD":1.0,
"GBP":1.06757,
"MXN":30.8336,
"AED":5.18231,
"INR":90.1236,
"XBT":2.3803244006E-5,
"JPY":156.304,
"USD":1.41112,
"ILS":5.02018,
"EUR":0.237707
},
"GBP":{
"XAF":762.826,
"HKD":10.1468,
"AUD":1.63992,
"KRW":1433.92,
"JOD":0.936707,
"GBP":1.0,
"MXN":29.242,
"AED":4.58882,
"INR":84.095,
"XBT":2.2756409956E-5,
"JPY":141.373,
"USD":1.2493,
"ILS":4.7002,
"EUR":1.16278
},
"MXN":{
"XAF":25.189,
"HKD":0.3562,
"AUD":0.0621,
"KRW":54.4512,
"JOD":0.0324,
"GBP":0.0341,
"MXN":1.0,
"AED":0.1688,
"INR":3.3513,
"XBT":8.1112586E-7,
"JPY":4.8687,
"USD":0.0459,
"ILS":0.1541,
"EUR":0.0384
},
"AED":{
"XAF":166.236,
"HKD":2.13685,
"AUD":0.346779,
"KRW":312.482,
"JOD":0.1930565,
"GBP":0.217921,
"MXN":5.9217,
"AED":1.0,
"INR":18.3255,
"XBT":4.603349217E-6,
"JPY":30.8081,
"USD":0.27225,
"ILS":0.968033,
"EUR":0.253425
},
"INR":{
"XAF":9.07101,
"HKD":0.109972,
"AUD":0.0198319,
"KRW":17.0512,
"JOD":0.0110959,
"GBP":0.0118913,
"MXN":0.2983,
"AED":0.0545671,
"INR":1.0,
"XBT":2.2689396E-7,
"JPY":1.68111,
"USD":0.0148559,
"ILS":0.0556764,
"EUR":0.0138287
},
"XBT":{
"XAF":3.4353824E7,
"HKD":460448.9,
"AUD":81168.603,
"KRW":7.0131575E7,
"JOD":41960.111,
"GBP":44188.118,
"MXN":1230503.3,
"AED":217414.47,
"INR":4407607.74,
"XBT":1.0,
"JPY":6805170.8,
"USD":59245.918,
"ILS":182981.21,
"EUR":52436.431
},
"JPY":{
"XAF":5.39585,
"HKD":0.0709891,
"AUD":0.0114819,
"KRW":10.1428,
"JOD":0.00639777,
"GBP":0.0070735,
"MXN":0.2053,
"AED":0.032459,
"INR":0.594846,
"XBT":1.47171931E-7,
"JPY":1.0,
"USD":0.00883695,
"ILS":0.0320926,
"EUR":0.00822592
},
"USD":{
"XAF":610.601,
"HKD":7.84766,
"AUD":1.27347,
"KRW":1147.78,
"JOD":0.708659,
"GBP":0.800446,
"MXN":21.748,
"AED":3.6731,
"INR":67.3135,
"XBT":1.69154E-5,
"JPY":113.161,
"USD":1.0,
"ILS":3.55495,
"EUR":0.930886
},
"ILS":{
"XAF":155.925,
"HKD":2.16985,
"AUD":0.352661,
"KRW":315.903,
"JOD":0.199196,
"GBP":0.212763,
"MXN":6.4871,
"AED":1.03302,
"INR":17.9609,
"XBT":5.452272147E-6,
"JPY":31.1599,
"USD":0.281298,
"ILS":1.0,
"EUR":1.19318
},
"EUR":{
"XAF":655.957,
"HKD":8.88926,
"AUD":1.49707,
"KRW":1233.03,
"JOD":0.838098,
"GBP":0.860011,
"MXN":26.0359,
"AED":3.94594,
"INR":72.3136,
"XBT":1.9087905636E-5,
"JPY":121.567,
"USD":1.07428,
"ILS":4.20494,
"EUR":1.0
}
}

Transaction Requests satisfy PSD2 requirements thus:

1) A transaction can be initiated by a third party application.

2) The customer is informed of the charge that will incurred.

3) The call supports delegated authentication (OAuth)

See this python code for a complete example of this flow.

There is further documentation here

Authentication is Mandatory

URL Parameters:

ACCOUNT_ID: 8ca8a7e4-6d02-40e3-a129-0b2bf89de9f0

BANK_ID: gh.29.uk

FREE_FORM:

VIEW_ID: owner

JSON request body fields:

amount: 10.12

currency: EUR

description: This an optional field. Maximum length is 2000. It can be any characters here.

value: 5987953

JSON response body fields:

account:

account_id: 8ca8a7e4-6d02-40e3-a129-0b2bf89de9f0

allowed_attempts: 5

amount: 10.12

bank_code: CGHZ

bank_id: gh.29.uk

branch_number:

challenge:

challenge_type:

charge:

counterparty_id: 9fg8a7e4-6d02-40e3-a129-0b2bf89de8uh

creditorAccount:

creditorName:

currency: EUR

date_of_birth: 2018-03-09

debtorAccount:

description: This an optional field. Maximum length is 2000. It can be any characters here.

details:

end_date:

from:

future_date: 20200127

iban: DE91 1000 0000 0123 4567 89

id: d8839721-ad8f-45dd-9f78-2080414b93f9

instructedAmount: 100

kyc_document:

legal_name: Eveline Tripman

message: 123456

mobile_phone_number: +49 30 901820

name: ACCOUNT_MANAGEMENT_FEE

nickname:

number:

otherAccountRoutingAddress: otherAccountRoutingAddress

otherAccountRoutingScheme: otherAccountRoutingScheme

otherAccountSecondaryRoutingAddress: otherAccountSecondaryRoutingAddress

otherAccountSecondaryRoutingScheme: otherAccountSecondaryRoutingScheme

otherBankRoutingAddress: otherBankRoutingAddress

otherBankRoutingScheme: otherBankRoutingScheme

otherBranchRoutingAddress: otherBranchRoutingAddress

otherBranchRoutingScheme: otherBranchRoutingScheme

start_date: 2020-01-27

status:

summary:

to:

transaction_ids:

transfer_type:

type:

value: 5987953

to_counterparty:

to_sandbox_tan:

to_sepa:

to_sepa_credit_transfers:

to_simple: to_simple

to_transfer_to_account:

to_transfer_to_atm:

to_transfer_to_phone:

Typical Successful Response:

								
									
{ "id":"4050046c-63b3-4868-8a22-14b4181d33a6", "type":"SANDBOX_TAN", "from":{ "bank_id":"gh.29.uk", "account_id":"8ca8a7e4-6d02-40e3-a129-0b2bf89de9f0" }, "details":{ "to_sandbox_tan":{ "bank_id":"String", "account_id":"String" }, "to_sepa":{ "iban":"String" }, "to_counterparty":{ "counterparty_id":"9fg8a7e4-6d02-40e3-a129-0b2bf89de8uh" }, "to_simple":{ "otherBankRoutingScheme":"BIC", "otherBankRoutingAddress":"GENODEM1GLS", "otherBranchRoutingScheme":"BRANCH-CODE", "otherBranchRoutingAddress":"DERBY6", "otherAccountRoutingScheme":"IBAN", "otherAccountRoutingAddress":"DE91 1000 0000 0123 4567 89", "otherAccountSecondaryRoutingScheme":"IBAN", "otherAccountSecondaryRoutingAddress":"DE91 1000 0000 0123 4567 89" }, "to_transfer_to_phone":{ "value":{ "currency":"EUR", "amount":"0" }, "description":"String", "message":"String", "from":{ "mobile_phone_number":"+44 07972 444 876", "nickname":"String" }, "to":{ "mobile_phone_number":"+44 07972 444 876" } }, "to_transfer_to_atm":{ "value":{ "currency":"EUR", "amount":"0" }, "description":"String", "message":"String", "from":{ "mobile_phone_number":"+44 07972 444 876", "nickname":"String" }, "to":{ "legal_name":"Eveline Tripman", "date_of_birth":"20181230", "mobile_phone_number":"+44 07972 444 876", "kyc_document":{ "type":"String", "number":"String" } } }, "to_transfer_to_account":{ "value":{ "currency":"EUR", "amount":"0" }, "description":"String", "transfer_type":"String", "future_date":"20181230", "to":{ "name":"String", "bank_code":"String", "branch_number":"String", "account":{ "number":"String", "iban":"String" } } }, "to_sepa_credit_transfers":{ "debtorAccount":{ "iban":"12345" }, "instructedAmount":{ "currency":"EUR", "amount":"0" }, "creditorAccount":{ "iban":"54321" }, "creditorName":"John Miles" }, "value":{ "currency":"EUR", "amount":"100" }, "description":"This an optional field. Maximum length is 2000. It can be any characters here." }, "transaction_ids":["902ba3bb-dedd-45e7-9319-2fd3f2cd98a1"], "status":"COMPLETED", "start_date":"1100-01-01T00:00:00Z", "end_date":"1100-01-01T00:00:00Z", "challenge":{ "id":"be1a183d-b301-4b83-b855-5eeffdd3526f", "allowed_attempts":3, "challenge_type":"SANDBOX_TAN" }, "charge":{ "summary":"Rent the flat", "value":{ "currency":"EUR", "amount":"0" } } }
Required Roles:
  • CanCreateAnyTransactionRequest - Please login to request this Role
Validations:
  • Required JSON Validation: No
  • Allowed Authentication Types: Not set
Possible Errors:
  • OBP-20001: User not logged in. Authentication is required!
  • OBP-20001: User not logged in. Authentication is required!
  • OBP-30111: Invalid Bank Id. The BANK_ID should only contain 0-9/a-z/A-Z/'-'/'.'/'_', the length should be smaller than 255.
  • OBP-30110: Invalid Account Id. The ACCOUNT_ID should only contain 0-9/a-z/A-Z/'-'/'.'/'_', the length should be smaller than 255.
  • OBP-10001: Incorrect json format.
  • OBP-30001: Bank not found. Please specify a valid value for BANK_ID.
  • OBP-30003: Account not found. Please specify a valid value for ACCOUNT_ID.
  • OBP-30005: View not found for Account. Please specify a valid value for VIEW_ID
  • OBP-40002: Insufficient authorisation to create TransactionRequest. The Transaction Request could not be created because the login user doesn't have access to the view of the from account or the consumer doesn't have the access to the view of the from account or the login user does not have the `CanCreateAnyTransactionRequest` role or the view does not have the permission canaddtransactionrequesttoanyaccount.
  • OBP-20017: Current user does not have access to the view. Please specify a valid value for VIEW_ID.
  • OBP-40001: Invalid value for TRANSACTION_REQUEST_TYPE
  • OBP-10001: Incorrect json format.
  • OBP-10002: Invalid Number. Could not convert value to a number.
  • OBP-40008: Can't send a payment with a value of 0 or less.
  • OBP-40003: Transaction Request Currency must be the same as From Account Currency.
  • OBP-00003: Transaction Requests is disabled in this API instance.
  • OBP-50000: Unknown Error.
  • OBP-20006: User is missing one or more roles:
Connector Methods:
Version: OBPv2.1.0, function_name: by createTransactionRequestFreeForm, operation_id: OBPv2.1.0-createTransactionRequestFreeForm Tags: Transaction-Request, Payment Initiation Service (PIS),

Create Transaction Request (SANDBOX_TAN)

When using SANDBOX_TAN, the payee is set in the request body.

Money goes into the BANK_ID and ACCOUNT_ID specified in the request body.

Initiate a Payment via creating a Transaction Request.

In OBP, a transaction request may or may not result in a transaction. However, a transaction only has one possible state: completed.

A Transaction Request can have one of several states.

Transactions are modeled on items in a bank statement that represent the movement of money.

Transaction Requests are requests to move money which may or may not succeeed and thus result in a Transaction.

A Transaction Request might create a security challenge that needs to be answered before the Transaction Request proceeds.

Transaction Requests contain charge information giving the client the opportunity to proceed or not (as long as the challenge level is appropriate).

Transaction Requests can have one of several Transaction Request Types which expect different bodies. The escaped body is returned in the details key of the GET response.
This provides some commonality and one URL for many different payment or transfer types with enough flexibility to validate them differently.

The payer is set in the URL. Money comes out of the BANK_ID and ACCOUNT_ID specified in the URL.

In sandbox mode, TRANSACTION_REQUEST_TYPE is commonly set to SANDBOX_TAN. See getTransactionRequestTypesSupportedByBank for all supported types.

In sandbox mode, if the amount is less than 1000 EUR (any currency, unless it is set differently on this server), the transaction request will create a transaction without a challenge, else the Transaction Request will be set to INITIALISED and a challenge will need to be answered.

If a challenge is created you must answer it using Answer Transaction Request Challenge before the Transaction is created.

You can transfer between different currency accounts. (new in 2.0.0). The currency in body must match the sending account.

The following static FX rates are available in sandbox mode:

{
"XAF":{
"XAF":1.0,
"HKD":0.0135503,
"AUD":0.00228226,
"KRW":1.87975,
"JOD":0.00127784,
"GBP":0.00131092,
"MXN":0.0396,
"AED":0.00601555,
"INR":0.110241,
"XBT":2.9074795E-8,
"JPY":0.185328,
"USD":0.00163773,
"ILS":0.00641333,
"EUR":0.00152449
},
"HKD":{
"XAF":73.8049,
"HKD":1.0,
"AUD":0.178137,
"KRW":143.424,
"JOD":0.0903452,
"GBP":0.0985443,
"MXN":2.8067,
"AED":0.467977,
"INR":9.09325,
"XBT":2.164242461E-6,
"JPY":14.0867,
"USD":0.127427,
"ILS":0.460862,
"EUR":0.112495
},
"AUD":{
"XAF":438.162,
"HKD":5.61346,
"AUD":1.0,
"KRW":895.304,
"JOD":0.556152,
"GBP":0.609788,
"MXN":16.0826,
"AED":2.88368,
"INR":50.4238,
"XBT":1.2284055924E-5,
"JPY":87.0936,
"USD":0.785256,
"ILS":2.83558,
"EUR":0.667969
},
"KRW":{
"XAF":0.531986,
"HKD":0.00697233,
"AUD":0.00111694,
"KRW":1.0,
"JOD":6.30634E-4,
"GBP":6.97389E-4,
"MXN":0.0183,
"AED":0.00320019,
"INR":0.0586469,
"XBT":1.4234725E-8,
"JPY":0.0985917,
"USD":8.7125E-4,
"ILS":0.00316552,
"EUR":8.11008E-4
},
"JOD":{
"XAF":782.572,
"HKD":11.0687,
"AUD":1.63992,
"KRW":1585.68,
"JOD":1.0,
"GBP":1.06757,
"MXN":30.8336,
"AED":5.18231,
"INR":90.1236,
"XBT":2.3803244006E-5,
"JPY":156.304,
"USD":1.41112,
"ILS":5.02018,
"EUR":0.237707
},
"GBP":{
"XAF":762.826,
"HKD":10.1468,
"AUD":1.63992,
"KRW":1433.92,
"JOD":0.936707,
"GBP":1.0,
"MXN":29.242,
"AED":4.58882,
"INR":84.095,
"XBT":2.2756409956E-5,
"JPY":141.373,
"USD":1.2493,
"ILS":4.7002,
"EUR":1.16278
},
"MXN":{
"XAF":25.189,
"HKD":0.3562,
"AUD":0.0621,
"KRW":54.4512,
"JOD":0.0324,
"GBP":0.0341,
"MXN":1.0,
"AED":0.1688,
"INR":3.3513,
"XBT":8.1112586E-7,
"JPY":4.8687,
"USD":0.0459,
"ILS":0.1541,
"EUR":0.0384
},
"AED":{
"XAF":166.236,
"HKD":2.13685,
"AUD":0.346779,
"KRW":312.482,
"JOD":0.1930565,
"GBP":0.217921,
"MXN":5.9217,
"AED":1.0,
"INR":18.3255,
"XBT":4.603349217E-6,
"JPY":30.8081,
"USD":0.27225,
"ILS":0.968033,
"EUR":0.253425
},
"INR":{
"XAF":9.07101,
"HKD":0.109972,
"AUD":0.0198319,
"KRW":17.0512,
"JOD":0.0110959,
"GBP":0.0118913,
"MXN":0.2983,
"AED":0.0545671,
"INR":1.0,
"XBT":2.2689396E-7,
"JPY":1.68111,
"USD":0.0148559,
"ILS":0.0556764,
"EUR":0.0138287
},
"XBT":{
"XAF":3.4353824E7,
"HKD":460448.9,
"AUD":81168.603,
"KRW":7.0131575E7,
"JOD":41960.111,
"GBP":44188.118,
"MXN":1230503.3,
"AED":217414.47,
"INR":4407607.74,
"XBT":1.0,
"JPY":6805170.8,
"USD":59245.918,
"ILS":182981.21,
"EUR":52436.431
},
"JPY":{
"XAF":5.39585,
"HKD":0.0709891,
"AUD":0.0114819,
"KRW":10.1428,
"JOD":0.00639777,
"GBP":0.0070735,
"MXN":0.2053,
"AED":0.032459,
"INR":0.594846,
"XBT":1.47171931E-7,
"JPY":1.0,
"USD":0.00883695,
"ILS":0.0320926,
"EUR":0.00822592
},
"USD":{
"XAF":610.601,
"HKD":7.84766,
"AUD":1.27347,
"KRW":1147.78,
"JOD":0.708659,
"GBP":0.800446,
"MXN":21.748,
"AED":3.6731,
"INR":67.3135,
"XBT":1.69154E-5,
"JPY":113.161,
"USD":1.0,
"ILS":3.55495,
"EUR":0.930886
},
"ILS":{
"XAF":155.925,
"HKD":2.16985,
"AUD":0.352661,
"KRW":315.903,
"JOD":0.199196,
"GBP":0.212763,
"MXN":6.4871,
"AED":1.03302,
"INR":17.9609,
"XBT":5.452272147E-6,
"JPY":31.1599,
"USD":0.281298,
"ILS":1.0,
"EUR":1.19318
},
"EUR":{
"XAF":655.957,
"HKD":8.88926,
"AUD":1.49707,
"KRW":1233.03,
"JOD":0.838098,
"GBP":0.860011,
"MXN":26.0359,
"AED":3.94594,
"INR":72.3136,
"XBT":1.9087905636E-5,
"JPY":121.567,
"USD":1.07428,
"ILS":4.20494,
"EUR":1.0
}
}

Transaction Requests satisfy PSD2 requirements thus:

1) A transaction can be initiated by a third party application.

2) The customer is informed of the charge that will incurred.

3) The call supports delegated authentication (OAuth)

See this python code for a complete example of this flow.

There is further documentation here

Authentication is Mandatory

URL Parameters:

ACCOUNT_ID: 8ca8a7e4-6d02-40e3-a129-0b2bf89de9f0

BANK_ID: gh.29.uk

SANDBOX_TAN:

VIEW_ID: owner

JSON request body fields:

account_id: 8ca8a7e4-6d02-40e3-a129-0b2bf89de9f0

amount: 10.12

bank_id: gh.29.uk

currency: EUR

description: This an optional field. Maximum length is 2000. It can be any characters here.

to:

value: 5987953

JSON response body fields:

account:

account_id: 8ca8a7e4-6d02-40e3-a129-0b2bf89de9f0

allowed_attempts: 5

amount: 10.12

bank_code: CGHZ

bank_id: gh.29.uk

branch_number:

challenge:

challenge_type:

charge:

counterparty_id: 9fg8a7e4-6d02-40e3-a129-0b2bf89de8uh

creditorAccount:

creditorName:

currency: EUR

date_of_birth: 2018-03-09

debtorAccount:

description: This an optional field. Maximum length is 2000. It can be any characters here.

details:

end_date:

from:

future_date: 20200127

iban: DE91 1000 0000 0123 4567 89

id: d8839721-ad8f-45dd-9f78-2080414b93f9

instructedAmount: 100

kyc_document:

legal_name: Eveline Tripman

message: 123456

mobile_phone_number: +49 30 901820

name: ACCOUNT_MANAGEMENT_FEE

nickname:

number:

otherAccountRoutingAddress: otherAccountRoutingAddress

otherAccountRoutingScheme: otherAccountRoutingScheme

otherAccountSecondaryRoutingAddress: otherAccountSecondaryRoutingAddress

otherAccountSecondaryRoutingScheme: otherAccountSecondaryRoutingScheme

otherBankRoutingAddress: otherBankRoutingAddress

otherBankRoutingScheme: otherBankRoutingScheme

otherBranchRoutingAddress: otherBranchRoutingAddress

otherBranchRoutingScheme: otherBranchRoutingScheme

start_date: 2020-01-27

status:

summary:

to:

transaction_ids:

transfer_type:

type:

value: 5987953

to_counterparty:

to_sandbox_tan:

to_sepa:

to_sepa_credit_transfers:

to_simple: to_simple

to_transfer_to_account:

to_transfer_to_atm:

to_transfer_to_phone:

Typical Successful Response:

								
									
{ "id":"4050046c-63b3-4868-8a22-14b4181d33a6", "type":"SANDBOX_TAN", "from":{ "bank_id":"gh.29.uk", "account_id":"8ca8a7e4-6d02-40e3-a129-0b2bf89de9f0" }, "details":{ "to_sandbox_tan":{ "bank_id":"String", "account_id":"String" }, "to_sepa":{ "iban":"String" }, "to_counterparty":{ "counterparty_id":"9fg8a7e4-6d02-40e3-a129-0b2bf89de8uh" }, "to_simple":{ "otherBankRoutingScheme":"BIC", "otherBankRoutingAddress":"GENODEM1GLS", "otherBranchRoutingScheme":"BRANCH-CODE", "otherBranchRoutingAddress":"DERBY6", "otherAccountRoutingScheme":"IBAN", "otherAccountRoutingAddress":"DE91 1000 0000 0123 4567 89", "otherAccountSecondaryRoutingScheme":"IBAN", "otherAccountSecondaryRoutingAddress":"DE91 1000 0000 0123 4567 89" }, "to_transfer_to_phone":{ "value":{ "currency":"EUR", "amount":"0" }, "description":"String", "message":"String", "from":{ "mobile_phone_number":"+44 07972 444 876", "nickname":"String" }, "to":{ "mobile_phone_number":"+44 07972 444 876" } }, "to_transfer_to_atm":{ "value":{ "currency":"EUR", "amount":"0" }, "description":"String", "message":"String", "from":{ "mobile_phone_number":"+44 07972 444 876", "nickname":"String" }, "to":{ "legal_name":"Eveline Tripman", "date_of_birth":"20181230", "mobile_phone_number":"+44 07972 444 876", "kyc_document":{ "type":"String", "number":"String" } } }, "to_transfer_to_account":{ "value":{ "currency":"EUR", "amount":"0" }, "description":"String", "transfer_type":"String", "future_date":"20181230", "to":{ "name":"String", "bank_code":"String", "branch_number":"String", "account":{ "number":"String", "iban":"String" } } }, "to_sepa_credit_transfers":{ "debtorAccount":{ "iban":"12345" }, "instructedAmount":{ "currency":"EUR", "amount":"0" }, "creditorAccount":{ "iban":"54321" }, "creditorName":"John Miles" }, "value":{ "currency":"EUR", "amount":"100" }, "description":"This an optional field. Maximum length is 2000. It can be any characters here." }, "transaction_ids":["902ba3bb-dedd-45e7-9319-2fd3f2cd98a1"], "status":"COMPLETED", "start_date":"1100-01-01T00:00:00Z", "end_date":"1100-01-01T00:00:00Z", "challenge":{ "id":"be1a183d-b301-4b83-b855-5eeffdd3526f", "allowed_attempts":3, "challenge_type":"SANDBOX_TAN" }, "charge":{ "summary":"Rent the flat", "value":{ "currency":"EUR", "amount":"0" } } }
Validations:
  • Required JSON Validation: No
  • Allowed Authentication Types: Not set
Possible Errors:
  • OBP-20001: User not logged in. Authentication is required!
  • OBP-20001: User not logged in. Authentication is required!
  • OBP-30111: Invalid Bank Id. The BANK_ID should only contain 0-9/a-z/A-Z/'-'/'.'/'_', the length should be smaller than 255.
  • OBP-30110: Invalid Account Id. The ACCOUNT_ID should only contain 0-9/a-z/A-Z/'-'/'.'/'_', the length should be smaller than 255.
  • OBP-10001: Incorrect json format.
  • OBP-30001: Bank not found. Please specify a valid value for BANK_ID.
  • OBP-30003: Account not found. Please specify a valid value for ACCOUNT_ID.
  • OBP-30005: View not found for Account. Please specify a valid value for VIEW_ID
  • OBP-40002: Insufficient authorisation to create TransactionRequest. The Transaction Request could not be created because the login user doesn't have access to the view of the from account or the consumer doesn't have the access to the view of the from account or the login user does not have the `CanCreateAnyTransactionRequest` role or the view does not have the permission canaddtransactionrequesttoanyaccount.
  • OBP-20017: Current user does not have access to the view. Please specify a valid value for VIEW_ID.
  • OBP-40001: Invalid value for TRANSACTION_REQUEST_TYPE
  • OBP-10001: Incorrect json format.
  • OBP-10002: Invalid Number. Could not convert value to a number.
  • OBP-40008: Can't send a payment with a value of 0 or less.
  • OBP-40003: Transaction Request Currency must be the same as From Account Currency.
  • OBP-00003: Transaction Requests is disabled in this API instance.
  • OBP-50000: Unknown Error.
Connector Methods:
Version: OBPv2.1.0, function_name: by createTransactionRequestSandboxTan, operation_id: OBPv2.1.0-createTransactionRequestSandboxTan Tags: Transaction-Request, Payment Initiation Service (PIS), PSD2,

Create Transaction Request (SEPA)

Special instructions for SEPA:

When using a SEPA Transaction Request, you specify the IBAN of a Counterparty in the body of the request.
The routing details (IBAN) of the counterparty will be forwarded to the core banking system for the transfer.

Initiate a Payment via creating a Transaction Request.

In OBP, a transaction request may or may not result in a transaction. However, a transaction only has one possible state: completed.

A Transaction Request can have one of several states.

Transactions are modeled on items in a bank statement that represent the movement of money.

Transaction Requests are requests to move money which may or may not succeeed and thus result in a Transaction.

A Transaction Request might create a security challenge that needs to be answered before the Transaction Request proceeds.

Transaction Requests contain charge information giving the client the opportunity to proceed or not (as long as the challenge level is appropriate).

Transaction Requests can have one of several Transaction Request Types which expect different bodies. The escaped body is returned in the details key of the GET response.
This provides some commonality and one URL for many different payment or transfer types with enough flexibility to validate them differently.

The payer is set in the URL. Money comes out of the BANK_ID and ACCOUNT_ID specified in the URL.

In sandbox mode, TRANSACTION_REQUEST_TYPE is commonly set to SANDBOX_TAN. See getTransactionRequestTypesSupportedByBank for all supported types.

In sandbox mode, if the amount is less than 1000 EUR (any currency, unless it is set differently on this server), the transaction request will create a transaction without a challenge, else the Transaction Request will be set to INITIALISED and a challenge will need to be answered.

If a challenge is created you must answer it using Answer Transaction Request Challenge before the Transaction is created.

You can transfer between different currency accounts. (new in 2.0.0). The currency in body must match the sending account.

The following static FX rates are available in sandbox mode:

{
"XAF":{
"XAF":1.0,
"HKD":0.0135503,
"AUD":0.00228226,
"KRW":1.87975,
"JOD":0.00127784,
"GBP":0.00131092,
"MXN":0.0396,
"AED":0.00601555,
"INR":0.110241,
"XBT":2.9074795E-8,
"JPY":0.185328,
"USD":0.00163773,
"ILS":0.00641333,
"EUR":0.00152449
},
"HKD":{
"XAF":73.8049,
"HKD":1.0,
"AUD":0.178137,
"KRW":143.424,
"JOD":0.0903452,
"GBP":0.0985443,
"MXN":2.8067,
"AED":0.467977,
"INR":9.09325,
"XBT":2.164242461E-6,
"JPY":14.0867,
"USD":0.127427,
"ILS":0.460862,
"EUR":0.112495
},
"AUD":{
"XAF":438.162,
"HKD":5.61346,
"AUD":1.0,
"KRW":895.304,
"JOD":0.556152,
"GBP":0.609788,
"MXN":16.0826,
"AED":2.88368,
"INR":50.4238,
"XBT":1.2284055924E-5,
"JPY":87.0936,
"USD":0.785256,
"ILS":2.83558,
"EUR":0.667969
},
"KRW":{
"XAF":0.531986,
"HKD":0.00697233,
"AUD":0.00111694,
"KRW":1.0,
"JOD":6.30634E-4,
"GBP":6.97389E-4,
"MXN":0.0183,
"AED":0.00320019,
"INR":0.0586469,
"XBT":1.4234725E-8,
"JPY":0.0985917,
"USD":8.7125E-4,
"ILS":0.00316552,
"EUR":8.11008E-4
},
"JOD":{
"XAF":782.572,
"HKD":11.0687,
"AUD":1.63992,
"KRW":1585.68,
"JOD":1.0,
"GBP":1.06757,
"MXN":30.8336,
"AED":5.18231,
"INR":90.1236,
"XBT":2.3803244006E-5,
"JPY":156.304,
"USD":1.41112,
"ILS":5.02018,
"EUR":0.237707
},
"GBP":{
"XAF":762.826,
"HKD":10.1468,
"AUD":1.63992,
"KRW":1433.92,
"JOD":0.936707,
"GBP":1.0,
"MXN":29.242,
"AED":4.58882,
"INR":84.095,
"XBT":2.2756409956E-5,
"JPY":141.373,
"USD":1.2493,
"ILS":4.7002,
"EUR":1.16278
},
"MXN":{
"XAF":25.189,
"HKD":0.3562,
"AUD":0.0621,
"KRW":54.4512,
"JOD":0.0324,
"GBP":0.0341,
"MXN":1.0,
"AED":0.1688,
"INR":3.3513,
"XBT":8.1112586E-7,
"JPY":4.8687,
"USD":0.0459,
"ILS":0.1541,
"EUR":0.0384
},
"AED":{
"XAF":166.236,
"HKD":2.13685,
"AUD":0.346779,
"KRW":312.482,
"JOD":0.1930565,
"GBP":0.217921,
"MXN":5.9217,
"AED":1.0,
"INR":18.3255,
"XBT":4.603349217E-6,
"JPY":30.8081,
"USD":0.27225,
"ILS":0.968033,
"EUR":0.253425
},
"INR":{
"XAF":9.07101,
"HKD":0.109972,
"AUD":0.0198319,
"KRW":17.0512,
"JOD":0.0110959,
"GBP":0.0118913,
"MXN":0.2983,
"AED":0.0545671,
"INR":1.0,
"XBT":2.2689396E-7,
"JPY":1.68111,
"USD":0.0148559,
"ILS":0.0556764,
"EUR":0.0138287
},
"XBT":{
"XAF":3.4353824E7,
"HKD":460448.9,
"AUD":81168.603,
"KRW":7.0131575E7,
"JOD":41960.111,
"GBP":44188.118,
"MXN":1230503.3,
"AED":217414.47,
"INR":4407607.74,
"XBT":1.0,
"JPY":6805170.8,
"USD":59245.918,
"ILS":182981.21,
"EUR":52436.431
},
"JPY":{
"XAF":5.39585,
"HKD":0.0709891,
"AUD":0.0114819,
"KRW":10.1428,
"JOD":0.00639777,
"GBP":0.0070735,
"MXN":0.2053,
"AED":0.032459,
"INR":0.594846,
"XBT":1.47171931E-7,
"JPY":1.0,
"USD":0.00883695,
"ILS":0.0320926,
"EUR":0.00822592
},
"USD":{
"XAF":610.601,
"HKD":7.84766,
"AUD":1.27347,
"KRW":1147.78,
"JOD":0.708659,
"GBP":0.800446,
"MXN":21.748,
"AED":3.6731,
"INR":67.3135,
"XBT":1.69154E-5,
"JPY":113.161,
"USD":1.0,
"ILS":3.55495,
"EUR":0.930886
},
"ILS":{
"XAF":155.925,
"HKD":2.16985,
"AUD":0.352661,
"KRW":315.903,
"JOD":0.199196,
"GBP":0.212763,
"MXN":6.4871,
"AED":1.03302,
"INR":17.9609,
"XBT":5.452272147E-6,
"JPY":31.1599,
"USD":0.281298,
"ILS":1.0,
"EUR":1.19318
},
"EUR":{
"XAF":655.957,
"HKD":8.88926,
"AUD":1.49707,
"KRW":1233.03,
"JOD":0.838098,
"GBP":0.860011,
"MXN":26.0359,
"AED":3.94594,
"INR":72.3136,
"XBT":1.9087905636E-5,
"JPY":121.567,
"USD":1.07428,
"ILS":4.20494,
"EUR":1.0
}
}

Transaction Requests satisfy PSD2 requirements thus:

1) A transaction can be initiated by a third party application.

2) The customer is informed of the charge that will incurred.

3) The call supports delegated authentication (OAuth)

See this python code for a complete example of this flow.

There is further documentation here

Authentication is Mandatory

URL Parameters:

ACCOUNT_ID: 8ca8a7e4-6d02-40e3-a129-0b2bf89de9f0

BANK_ID: gh.29.uk

SEPA:

VIEW_ID: owner

JSON request body fields:

amount: 10.12

charge_policy: SHARED

currency: EUR

description: This an optional field. Maximum length is 2000. It can be any characters here.

iban: DE91 1000 0000 0123 4567 89

to:

value: 5987953

future_date: 20200127

JSON response body fields:

account:

account_id: 8ca8a7e4-6d02-40e3-a129-0b2bf89de9f0

allowed_attempts: 5

amount: 10.12

bank_code: CGHZ

bank_id: gh.29.uk

branch_number:

challenge:

challenge_type:

charge:

counterparty_id: 9fg8a7e4-6d02-40e3-a129-0b2bf89de8uh

creditorAccount:

creditorName:

currency: EUR

date_of_birth: 2018-03-09

debtorAccount:

description: This an optional field. Maximum length is 2000. It can be any characters here.

details:

end_date:

from:

future_date: 20200127

iban: DE91 1000 0000 0123 4567 89

id: d8839721-ad8f-45dd-9f78-2080414b93f9

instructedAmount: 100

kyc_document:

legal_name: Eveline Tripman

message: 123456

mobile_phone_number: +49 30 901820

name: ACCOUNT_MANAGEMENT_FEE

nickname:

number:

otherAccountRoutingAddress: otherAccountRoutingAddress

otherAccountRoutingScheme: otherAccountRoutingScheme

otherAccountSecondaryRoutingAddress: otherAccountSecondaryRoutingAddress

otherAccountSecondaryRoutingScheme: otherAccountSecondaryRoutingScheme

otherBankRoutingAddress: otherBankRoutingAddress

otherBankRoutingScheme: otherBankRoutingScheme

otherBranchRoutingAddress: otherBranchRoutingAddress

otherBranchRoutingScheme: otherBranchRoutingScheme

start_date: 2020-01-27

status:

summary:

to:

transaction_ids:

transfer_type:

type:

value: 5987953

to_counterparty:

to_sandbox_tan:

to_sepa:

to_sepa_credit_transfers:

to_simple: to_simple

to_transfer_to_account:

to_transfer_to_atm:

to_transfer_to_phone:

Typical Successful Response:

								
									
{ "id":"4050046c-63b3-4868-8a22-14b4181d33a6", "type":"SANDBOX_TAN", "from":{ "bank_id":"gh.29.uk", "account_id":"8ca8a7e4-6d02-40e3-a129-0b2bf89de9f0" }, "details":{ "to_sandbox_tan":{ "bank_id":"String", "account_id":"String" }, "to_sepa":{ "iban":"String" }, "to_counterparty":{ "counterparty_id":"9fg8a7e4-6d02-40e3-a129-0b2bf89de8uh" }, "to_simple":{ "otherBankRoutingScheme":"BIC", "otherBankRoutingAddress":"GENODEM1GLS", "otherBranchRoutingScheme":"BRANCH-CODE", "otherBranchRoutingAddress":"DERBY6", "otherAccountRoutingScheme":"IBAN", "otherAccountRoutingAddress":"DE91 1000 0000 0123 4567 89", "otherAccountSecondaryRoutingScheme":"IBAN", "otherAccountSecondaryRoutingAddress":"DE91 1000 0000 0123 4567 89" }, "to_transfer_to_phone":{ "value":{ "currency":"EUR", "amount":"0" }, "description":"String", "message":"String", "from":{ "mobile_phone_number":"+44 07972 444 876", "nickname":"String" }, "to":{ "mobile_phone_number":"+44 07972 444 876" } }, "to_transfer_to_atm":{ "value":{ "currency":"EUR", "amount":"0" }, "description":"String", "message":"String", "from":{ "mobile_phone_number":"+44 07972 444 876", "nickname":"String" }, "to":{ "legal_name":"Eveline Tripman", "date_of_birth":"20181230", "mobile_phone_number":"+44 07972 444 876", "kyc_document":{ "type":"String", "number":"String" } } }, "to_transfer_to_account":{ "value":{ "currency":"EUR", "amount":"0" }, "description":"String", "transfer_type":"String", "future_date":"20181230", "to":{ "name":"String", "bank_code":"String", "branch_number":"String", "account":{ "number":"String", "iban":"String" } } }, "to_sepa_credit_transfers":{ "debtorAccount":{ "iban":"12345" }, "instructedAmount":{ "currency":"EUR", "amount":"0" }, "creditorAccount":{ "iban":"54321" }, "creditorName":"John Miles" }, "value":{ "currency":"EUR", "amount":"100" }, "description":"This an optional field. Maximum length is 2000. It can be any characters here." }, "transaction_ids":["902ba3bb-dedd-45e7-9319-2fd3f2cd98a1"], "status":"COMPLETED", "start_date":"1100-01-01T00:00:00Z", "end_date":"1100-01-01T00:00:00Z", "challenge":{ "id":"be1a183d-b301-4b83-b855-5eeffdd3526f", "allowed_attempts":3, "challenge_type":"SANDBOX_TAN" }, "charge":{ "summary":"Rent the flat", "value":{ "currency":"EUR", "amount":"0" } } }
Validations:
  • Required JSON Validation: No
  • Allowed Authentication Types: Not set
Possible Errors:
  • OBP-20001: User not logged in. Authentication is required!
  • OBP-20001: User not logged in. Authentication is required!
  • OBP-30111: Invalid Bank Id. The BANK_ID should only contain 0-9/a-z/A-Z/'-'/'.'/'_', the length should be smaller than 255.
  • OBP-30110: Invalid Account Id. The ACCOUNT_ID should only contain 0-9/a-z/A-Z/'-'/'.'/'_', the length should be smaller than 255.
  • OBP-10001: Incorrect json format.
  • OBP-30001: Bank not found. Please specify a valid value for BANK_ID.
  • OBP-30003: Account not found. Please specify a valid value for ACCOUNT_ID.
  • OBP-30005: View not found for Account. Please specify a valid value for VIEW_ID
  • OBP-40002: Insufficient authorisation to create TransactionRequest. The Transaction Request could not be created because the login user doesn't have access to the view of the from account or the consumer doesn't have the access to the view of the from account or the login user does not have the `CanCreateAnyTransactionRequest` role or the view does not have the permission canaddtransactionrequesttoanyaccount.
  • OBP-20017: Current user does not have access to the view. Please specify a valid value for VIEW_ID.
  • OBP-40001: Invalid value for TRANSACTION_REQUEST_TYPE
  • OBP-10001: Incorrect json format.
  • OBP-10002: Invalid Number. Could not convert value to a number.
  • OBP-40008: Can't send a payment with a value of 0 or less.
  • OBP-40003: Transaction Request Currency must be the same as From Account Currency.
  • OBP-00003: Transaction Requests is disabled in this API instance.
  • OBP-50000: Unknown Error.
Connector Methods:
Version: OBPv2.1.0, function_name: by createTransactionRequestSepa, operation_id: OBPv2.1.0-createTransactionRequestSepa Tags: Transaction-Request, Payment Initiation Service (PIS), PSD2,

Get Transaction Request Types at Bank

Get the list of the Transaction Request Types supported by the bank.

Authentication is Optional

URL Parameters:

BANK_ID: gh.29.uk

JSON response body fields:

transaction_request_type: SEPA

transaction_request_types:

Typical Successful Response:

								
									
{ "transaction_request_types":[{ "transaction_request_type":"SandboxTan" }] }
Validations:
  • Required JSON Validation: No
  • Allowed Authentication Types: Not set
Possible Errors:
  • OBP-50000: Unknown Error.
Connector Methods:
Version: OBPv2.1.0, function_name: by getTransactionRequestTypesSupportedByBank, operation_id: OBPv2.1.0-getTransactionRequestTypesSupportedByBank Tags: Transaction-Request, Bank,

Get Transaction Request Types for Account

Returns the Transaction Request Types that the account specified by ACCOUNT_ID and view specified by VIEW_ID has access to.

These are the ways this API Server can create a Transaction via a Transaction Request
(as opposed to Transaction Types which include external types too e.g. for Transactions created by core banking etc.)

A Transaction Request Type internally determines:

  • the required Transaction Request 'body' i.e. fields that define the 'what' and 'to' of a Transaction Request,
  • the type of security challenge that may be be raised before the Transaction Request proceeds, and
  • the threshold of that challenge.

For instance in a 'SANDBOX_TAN' Transaction Request, for amounts over 1000 currency units, the user must supply a positive integer to complete the Transaction Request and create a Transaction.

This approach aims to provide only one endpoint for initiating transactions, and one that handles challenges, whilst still allowing flexibility with the payload and internal logic.

Authentication is Mandatory

URL Parameters:

ACCOUNT_ID: 8ca8a7e4-6d02-40e3-a129-0b2bf89de9f0

BANK_ID: gh.29.uk

VIEW_ID: owner

JSON response body fields:

amount: 10.12

charge:

currency: EUR

summary:

transaction_request_types:

value: 5987953

Typical Successful Response:

								
									
{ "transaction_request_types":[{ "value":"10", "charge":{ "summary":"The bank fixed charge", "value":{ "currency":"EUR", "amount":"0" } } }] }
Validations:
  • Required JSON Validation: No
  • Allowed Authentication Types: Not set
Possible Errors:
  • OBP-20001: User not logged in. Authentication is required!
  • OBP-30001: Bank not found. Please specify a valid value for BANK_ID.
  • OBP-30003: Account not found. Please specify a valid value for ACCOUNT_ID.
  • Please specify a valid value for CURRENCY of your Bank Account.
  • Current user does not have access to the view
  • account not found at bank
  • user does not have access to owner view
  • OBP-40018: Sorry, Transaction Requests are not enabled in this API instance.
  • OBP-50000: Unknown Error.
Connector Methods:
Version: OBPv1.4.0, function_name: by getTransactionRequestTypes, operation_id: OBPv1.4.0-getTransactionRequestTypes Tags: Transaction-Request, Payment Initiation Service (PIS), PSD2,

Get Transaction Requests

Returns transaction requests for account specified by ACCOUNT_ID at bank specified by BANK_ID.

The VIEW_ID specified must be 'owner' and the user must have access to this view.

Version 2.0.0 now returns charge information.

Transaction Requests serve to initiate transactions that may or may not proceed. They contain information including:

  • Transaction Request Id
  • Type
  • Status (INITIATED, COMPLETED)
  • Challenge (in order to confirm the request)
  • From Bank / Account
  • Details including Currency, Value, Description and other initiation information specific to each type. (Could potentialy include a list of future transactions.)
  • Related Transactions

PSD2 Context: PSD2 requires transparency of charges to the customer.
This endpoint provides the charge that would be applied if the Transaction Request proceeds - and a record of that charge there after.
The customer can proceed with the Transaction by answering the security challenge.

Authentication is Mandatory

URL Parameters:

ACCOUNT_ID: 8ca8a7e4-6d02-40e3-a129-0b2bf89de9f0

BANK_ID: gh.29.uk

VIEW_ID: owner

JSON response body fields:

account:

account_id: 8ca8a7e4-6d02-40e3-a129-0b2bf89de9f0

allowed_attempts: 5

amount: 10.12

bank_code: CGHZ

bank_id: gh.29.uk

branch_number:

challenge:

challenge_type:

charge:

counterparty_id: 9fg8a7e4-6d02-40e3-a129-0b2bf89de8uh

creditorAccount:

creditorName:

currency: EUR

date_of_birth: 2018-03-09

debtorAccount:

description: This an optional field. Maximum length is 2000. It can be any characters here.

details:

end_date:

from:

future_date: 20200127

iban: DE91 1000 0000 0123 4567 89

id: d8839721-ad8f-45dd-9f78-2080414b93f9

instructedAmount: 100

kyc_document:

legal_name: Eveline Tripman

message: 123456

mobile_phone_number: +49 30 901820

name: ACCOUNT_MANAGEMENT_FEE

nickname:

number:

otherAccountRoutingAddress: otherAccountRoutingAddress

otherAccountRoutingScheme: otherAccountRoutingScheme

otherAccountSecondaryRoutingAddress: otherAccountSecondaryRoutingAddress

otherAccountSecondaryRoutingScheme: otherAccountSecondaryRoutingScheme

otherBankRoutingAddress: otherBankRoutingAddress

otherBankRoutingScheme: otherBankRoutingScheme

otherBranchRoutingAddress: otherBranchRoutingAddress

otherBranchRoutingScheme: otherBranchRoutingScheme

start_date: 2020-01-27

status:

summary:

to:

transaction_ids:

transaction_requests_with_charges:

transfer_type:

type:

value: 5987953

to_counterparty:

to_sandbox_tan:

to_sepa:

to_sepa_credit_transfers:

to_simple: to_simple

to_transfer_to_account:

to_transfer_to_atm:

to_transfer_to_phone:

Typical Successful Response:

								
									
{ "transaction_requests_with_charges":[{ "id":"4050046c-63b3-4868-8a22-14b4181d33a6", "type":"SANDBOX_TAN", "from":{ "bank_id":"gh.29.uk", "account_id":"8ca8a7e4-6d02-40e3-a129-0b2bf89de9f0" }, "details":{ "to_sandbox_tan":{ "bank_id":"String", "account_id":"String" }, "to_sepa":{ "iban":"String" }, "to_counterparty":{ "counterparty_id":"9fg8a7e4-6d02-40e3-a129-0b2bf89de8uh" }, "to_simple":{ "otherBankRoutingScheme":"BIC", "otherBankRoutingAddress":"GENODEM1GLS", "otherBranchRoutingScheme":"BRANCH-CODE", "otherBranchRoutingAddress":"DERBY6", "otherAccountRoutingScheme":"IBAN", "otherAccountRoutingAddress":"DE91 1000 0000 0123 4567 89", "otherAccountSecondaryRoutingScheme":"IBAN", "otherAccountSecondaryRoutingAddress":"DE91 1000 0000 0123 4567 89" }, "to_transfer_to_phone":{ "value":{ "currency":"EUR", "amount":"0" }, "description":"String", "message":"String", "from":{ "mobile_phone_number":"+44 07972 444 876", "nickname":"String" }, "to":{ "mobile_phone_number":"+44 07972 444 876" } }, "to_transfer_to_atm":{ "value":{ "currency":"EUR", "amount":"0" }, "description":"String", "message":"String", "from":{ "mobile_phone_number":"+44 07972 444 876", "nickname":"String" }, "to":{ "legal_name":"Eveline Tripman", "date_of_birth":"20181230", "mobile_phone_number":"+44 07972 444 876", "kyc_document":{ "type":"String", "number":"String" } } }, "to_transfer_to_account":{ "value":{ "currency":"EUR", "amount":"0" }, "description":"String", "transfer_type":"String", "future_date":"20181230", "to":{ "name":"String", "bank_code":"String", "branch_number":"String", "account":{ "number":"String", "iban":"String" } } }, "to_sepa_credit_transfers":{ "debtorAccount":{ "iban":"12345" }, "instructedAmount":{ "currency":"EUR", "amount":"0" }, "creditorAccount":{ "iban":"54321" }, "creditorName":"John Miles" }, "value":{ "currency":"EUR", "amount":"100" }, "description":"This an optional field. Maximum length is 2000. It can be any characters here." }, "transaction_ids":["902ba3bb-dedd-45e7-9319-2fd3f2cd98a1"], "status":"COMPLETED", "start_date":"1100-01-01T00:00:00Z", "end_date":"1100-01-01T00:00:00Z", "challenge":{ "id":"be1a183d-b301-4b83-b855-5eeffdd3526f", "allowed_attempts":3, "challenge_type":"SANDBOX_TAN" }, "charge":{ "summary":"Rent the flat", "value":{ "currency":"EUR", "amount":"0" } } }] }
Validations:
  • Required JSON Validation: No
  • Allowed Authentication Types: Not set
Possible Errors:
  • OBP-20001: User not logged in. Authentication is required!
  • OBP-30001: Bank not found. Please specify a valid value for BANK_ID.
  • OBP-30003: Account not found. Please specify a valid value for ACCOUNT_ID.
  • OBP-50000: Unknown Error.
Connector Methods:
Version: OBPv2.1.0, function_name: by getTransactionRequests, operation_id: OBPv2.1.0-getTransactionRequests Tags: Transaction-Request, PSD2, Old-Style,