API Explorer

								
									{
  "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"
    }
  }
}

Request Headers:

Response Headers:

Required Roles:

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

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

to:

value: 5987953

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"
    }
  }
}

Request Headers:

Response Headers:

Required Roles:

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 can_add_transaction_request_to_any_account or the view does not have the permission can_add_transaction_request_to_beneficiary.
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)