Processes on starting authorisations, update PSU identification or PSU authentication data and explicit authorisation of transactions by using SCA are very similar in PIS and AIS and signing baskets services. The API calls supporting these processes are described in the following independently from the service/endpoint. For reasons of clarity, the endpoints are defined always for the Payment Initiation Service, the payment cancellation, the Account Information Service (Consents), and Signing Baskets separately. These processes usually are used following a hyperlink of the ASPSP.
This method create a consent resource, defining access rights to dedicated accounts of a given PSU-ID. These accounts are addressed explicitly in the method as parameters as a core function.
Side Effects When this consent request is a request where the "recurringIndicator" equals "true", and if it exists already a former consent for recurring access on account information for the addressed PSU, then the former consent automatically expires as soon as the new consent request is authorised by the PSU.
Optional Extension: As an option, an ASPSP might optionally accept a specific access right on the access on all PSD2 related services for all available accounts.
As another option an ASPSP might optionally also accept a command, where only access rights are inserted without mentioning the addressed account. The relation to accounts is then handled afterwards between PSU and ASPSP. This option is not supported for the Embedded SCA Approach. As a last option, an ASPSP might in addition accept a command with access rights
X-Request-ID required | string <uuid> ID of the request, unique to the call, as determined by the initiating party. Example: 99391c7e-ad88-49ec-a2ad-99ddcb1f7721 |
Digest | string Is contained if and only if the "Signature" element is contained in the header of the request. Example: SHA-256=hl1/Eps8BEQW58FJhDApwJXjGY4nr1ArGDHIT25vq6A= |
Signature | string A signature of the request by the TPP on application level. This might be mandated by ASPSP. Example: keyId="SN=9FA1,CA=CN=D-TRUST CA 2-1 2015,O=D-Trust GmbH,C=DE",algorithm="rsa-sha256", headers="Digest X-Request-ID PSU-ID TPP-Redirect-URI Date", signature="Base64(RSA-SHA256(signing string))"
|
TPP-Signature-Certificate | string <byte> The certificate used for signing the request, in base64 encoding. Must be contained if a signature is contained. |
PSU-ID required | string Client ID of the PSU in the ASPSP client interface. Example: PSU-1234 |
PSU-ID-Type | string Type of the PSU-ID, needed in scenarios where PSUs have several PSU-IDs as access possibility. In this case, the mean and use are then defined in the ASPSP’s documentation. |
PSU-Corporate-ID | string Might be mandated in the ASPSP's documentation. Only used in a corporate context. |
PSU-Corporate-ID-Type | string Might be mandated in the ASPSP's documentation. Only used in a corporate context. |
TPP-Redirect-Preferred | boolean If it equals "true", the TPP prefers a redirect over an embedded SCA approach. If it equals "false", the TPP prefers not to be redirected for SCA. The ASPSP will then choose between the Embedded or the Decoupled SCA approach, depending on the choice of the SCA procedure by the TPP/PSU. If the parameter is not used, the ASPSP will choose the SCA approach to be applied depending on the SCA method chosen by the TPP/PSU. Default value True If true customer will be redirected to an Arion authentication website. If false customer will be using an app-to-app redirect approach trough the Arion app. |
TPP-Redirect-URI | string <uri> URI of the TPP, where the transaction flow shall be redirected to after a Redirect. Mandated for the Redirect SCA Approach, specifically when TPP-Redirect-Preferred equals "true". It is recommended to always use this header field. Remark for Future: This field might be changed to mandatory in the next version of the specification. |
TPP-Nok-Redirect-URI | string <uri> If this URI is contained, the TPP is asking to redirect the transaction flow to this address instead of the TPP-Redirect-URI in case of a negative result of the redirect SCA method. This might be ignored by the ASPSP. |
TPP-Explicit-Authorisation-Preferred | boolean If it equals "true", the TPP prefers to start the authorisation process separately, e.g. because of the usage of a signing basket. This preference might be ignored by the ASPSP, if a signing basket is not supported as functionality. If it equals "false" or if the parameter is not used, there is no preference of the TPP. This especially indicates that the TPP assumes a direct authorisation of the transaction in the next step, without using a signing basket. |
TPP-Brand-Logging-Information | string This header might be used by TPPs to inform the ASPSP about the brand used by the TPP towards the PSU. This information is meant for logging entries to enhance communication between ASPSP and PSU or ASPSP and TPP. This header might be ignored by the ASPSP. |
TPP-Notification-URI | string URI for the Endpoint of the TPP-API to which the status of the payment initiation should be sent. This header field may by ignored by the ASPSP. For security reasons, it shall be ensured that the TPP-Notification-URI as introduced above is secured by the TPP eIDAS QWAC used for identification of the TPP. The following applies: URIs which are provided by TPPs in TPP-Notification-URI shall comply with the domain secured by the eIDAS QWAC certificate of the TPP in the field CN or SubjectAltName of the certificate. Please note that in case of example-TPP.com as certificate entry TPP- Notification-URI like www.example-TPP.com/xs2a-client/v1/ASPSPidentifcation/mytransaction- id/notifications or notifications.example-TPP.com/xs2a-client/v1/ASPSPidentifcation/mytransaction- id/notifications would be compliant. Wildcard definitions shall be taken into account for compliance checks by the ASPSP. ASPSPs may respond with ASPSP-Notification-Support set to false, if the provided URIs do not comply. |
TPP-Notification-Content-Preferred | string The string has the form status=X1, ..., Xn where Xi is one of the constants SCA, PROCESS, LAST and where constants are not repeated. The usage of the constants supports the of following semantics: SCA: A notification on every change of the scaStatus attribute for all related authorisation processes is preferred by the TPP. PROCESS: A notification on all changes of consentStatus or transactionStatus attributes is preferred by the TPP. LAST: Only a notification on the last consentStatus or transactionStatus as available in the XS2A interface is preferred by the TPP. This header field may be ignored, if the ASPSP does not support resource notification services for the related TPP. |
PSU-IP-Port | string The forwarded IP Port header field consists of the corresponding HTTP request IP Port field between PSU and TPP, if available. Example: 1234 |
PSU-IP-Address required | string <ipv4> The forwarded IP Address header field consists of the corresponding http request IP Address field between PSU and TPP. If not available, the TPP shall use the IP Address used by the TPP when submitting this request. Example: 192.168.8.78 |
PSU-Accept | string The forwarded IP Accept header fields consist of the corresponding HTTP request Accept header fields between PSU and TPP, if available. |
PSU-Accept-Charset | string The forwarded IP Accept header fields consist of the corresponding HTTP request Accept header fields between PSU and TPP, if available. |
PSU-Accept-Encoding | string The forwarded IP Accept header fields consist of the corresponding HTTP request Accept header fields between PSU and TPP, if available. |
PSU-Accept-Language | string Language that the SCA page will be presented in. Possible options are:
If parameter is empty, the default language will be English. |
PSU-User-Agent | string The forwarded Agent header field of the HTTP request between PSU and TPP, if available. |
PSU-Http-Method | string HTTP method used at the PSU ? TPP interface, if available. Valid values are:
|
PSU-Device-ID | string <uuid> UUID (Universally Unique Identifier) for a device, which is used by the PSU, if available. UUID identifies either a device or a device dependant application installation. In case of an installation identification this ID needs to be unaltered until removal from device. Example: 99435c7e-ad88-49ec-a2ad-99ddcb1f5555 |
PSU-Geo-Location | stringGEO:-?[0-9]{1,2}\.[0-9]{6};-?[0-9]{1,3}\.[0-9... The forwarded Geo Location of the corresponding http request between PSU and TPP if available. Example: GEO:52.506931;13.144558 |
Ocp-Apim-Subscription-Key required | string Azure API management subscription key |
Request body for a consents request.
Created
Bad Request
Unauthorized
Forbidden
Not found
Method Not Allowed
Not Acceptable
Request Timeout
Conflict
Unsupported Media Type
Too Many Requests
Internal Server Error
Service Unavailable
Consent request on dedicated accounts.
{- "access": {
- "balances": [
- {
- "iban": "DE40100100103307118608"
}, - {
- "iban": "DE02100100109307118603",
- "currency": "USD"
}, - {
- "iban": "DE67100100101306118605"
}
], - "transactions": [
- {
- "iban": "DE40100100103307118608"
}, - {
- "maskedPan": "123456xxxxxx1234"
}
]
}, - "recurringIndicator": "true",
- "validUntil": "2017-11-01",
- "frequencyPerDay": 4
}
Consent request response in case of a redirect.
{- "consentStatus": "received",
- "consentId": "1234-wertiq-983",
- "_links": {
- "status": {
- "href": "/v1/consents/1234-wertiq-983/status"
}, - "scaStatus": {
- "href": "v1/consents/1234-wertiq-983/authorisations/123auth567"
}
}
}
Returns the content of an account information consent object. This is returning the data for the TPP especially in cases, where the consent was directly managed between ASPSP and PSU e.g. in a redirect SCA Approach.
OK
Bad Request
Unauthorized
Forbidden
Not found
Method Not Allowed
Not Acceptable
Request Timeout
Conflict
Unsupported Media Type
Too Many Requests
Internal Server Error
Service Unavailable
Consent request on account list or without indication of accounts.
{- "access": {
- "balances": [
- {
- "iban": "DE2310010010123456789"
}
], - "transactions": [
- {
- "iban": "DE2310010010123456789"
}, - {
- "pan": "123456xxxxxx3457"
}
]
}, - "recurringIndicator": "true",
- "validUntil": "2017-11-01",
- "frequencyPerDay": 4,
- "consentStatus": "valid",
- "_links": {
- "account": {
- "href": "/v1/accounts"
}
}
}
The TPP can delete an account information consent object if needed.
No Content
Bad Request
Unauthorized
Forbidden
Not found
Method Not Allowed
Not Acceptable
Request Timeout
Conflict
Unsupported Media Type
Too Many Requests
Internal Server Error
Service Unavailable
{- "tppMessages": [
- {
- "category": "ERROR",
- "code": "FORMAT_ERROR",
- "path": "string",
- "text": "string"
}
], - "_links": {
- "scaRedirect": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "scaOAuth": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "confirmation": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "startAuthorisation": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "startAuthorisationWithPsuIdentification": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "updatePsuIdentification": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "startAuthorisationWithProprietaryData": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "updateProprietaryData": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "startAuthorisationWithPsuAuthentication": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "updatePsuAuthentication": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "startAuthorisationWithEncryptedPsuAuthentication": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "updateEncryptedPsuAuthentication": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "updateAdditionalPsuAuthentication": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "updateAdditionalEncryptedPsuAuthentication": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "startAuthorisationWithAuthenticationMethodSelection": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "selectAuthenticationMethod": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "startAuthorisationWithTransactionAuthorisation": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "authoriseTransaction": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "self": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "status": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "scaStatus": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "account": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "balances": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "transactions": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "transactionDetails": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "cardAccount": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "cardTransactions": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "first": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "next": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "previous": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "last": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "download": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "property1": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}, - "property2": {
- "href": "/v1/payments/sepa-credit-transfers/1234-wertiq-983"
}
}
}
Read the status of an account information consent resource.
OK
Bad Request
Unauthorized
Forbidden
Not found
Method Not Allowed
Not Acceptable
Request Timeout
Conflict
Unsupported Media Type
Too Many Requests
Internal Server Error
Service Unavailable
Response for a consent status request.
{- "consentStatus": "valid"
}
Return a list of all authorisation subresources IDs which have been created.
This function returns an array of hyperlinks to all generated authorisation sub-resources.
OK
Bad Request
Unauthorized
Forbidden
Not found
Method Not Allowed
Not Acceptable
Request Timeout
Conflict
Unsupported Media Type
Too Many Requests
Internal Server Error
Service Unavailable
{- "authorisationIds": [
- "123auth456"
]
}
This method returns the SCA status of a consent initiation's authorisation sub-resource.
OK
Bad Request
Unauthorized
Forbidden
Not found
Method Not Allowed
Not Acceptable
Request Timeout
Conflict
Unsupported Media Type
Too Many Requests
Internal Server Error
Service Unavailable
{- "scaStatus": "psuAuthenticated",
- "psuMessage": "string",
- "trustedBeneficiaryFlag": false
}