How to use the PIS API · Open Payments

This API is used to get consent for and initiating payments. Note that the consent from the consent API is only used to access the account information API and that this API has its own consent procedure. (Very similar to the one in the consent API.)

Available AUTH_HOST values

Environment	URL
Sandbox	https://auth.sandbox.openbankingplatform.com
Production	https://auth.openbankingplatform.com

Available API_HOST values

Environment	URL
Sandbox	https://api.sandbox.openbankingplatform.com
Production	https://api.openbankingplatform.com

Payment Initiation Services (PIS) Flow

PlantUML model

Acquire an access token for Payment Initiation

Get a token to use for subsequent calls to the API. The scope should be set to paymentinitiation private to perform payments from private accounts and paymentinitiation corporate for payments originating from corporate accounts.

curl -X POST
    [AUTH_HOST]/connect/token
    -H 'Content-Type: application/x-www-form-urlencoded'
    -d 'client_id=[CLIENT_ID]&client_secret=[CLIENT_SECRET]&scope=paymentinitiation private&grant_type=client_credentials'

This post will return a JSON object that looks like this:

{
    "access_token": "[ACCESS_TOKEN]",
    "expires_in": 3600,
    "token_type": "Bearer"
}

Create Payment Initiation

curl -X POST
    [API_HOST]/psd2/paymentinitiation/v1/payments/[PAYMENT_PRODUCT]
    -H 'Authorization: Bearer [ACCESS_TOKEN]'
    -H 'Content-Type: application/json'
    -H 'PSU-IP-Address: [PSU_IP_ADDRESS]'
    -H 'X-BicFi: [BICFI]'
    -H 'X-Request-ID: [GUID]'
    -d '{
        "instructedAmount":
        {
            "currency": "SEK",
            "amount": "142.66"
        },
        "debtorAccount":
        {
            "iban": "[DEBTOR_IBAN]",
            "currency": "SEK"
        },
        "creditorName": "Enterprise Inc",
        "creditorAccount":
        {
            "iban": "[CREDITOR_IBAN]",
            "currency": "SEK"
        },
        "remittanceInformationUnstructured": "[MESSAGE]"
    }'

Headers

PSU-IP-Address is the IP address of the end user.
X-BicFi the BICFI for the user's ASPSP. Find it in the ASPSP API.
X-Request-ID used to verify that the response matches the request.

Path parameters

PAYMENT_PRODUCT can be one of:

domestic - this is a non-euro payment within one country.
sepa-credit-transfers - this is a EURO payment from one EURO ASPSP to another
international - this is an international payment

The Get ASPSP Details endpoint will tell you what payment products that are available for that ASPSP.

Response

{
    "transactionStatus": "ACTC",
    "paymentId": "[PAYMENT_ID]",
    "_links": {
        "startAuthorisationWithTransactionAuthorisation": {
            "href": "/psd2/paymentinitiation/v1/payments/[PAYMENT_PRODUCT]/[PAYMENT_ID]/authorisations"
        },
        "self": {
            "href": "/psd2/paymentinitiation/v1/payments/[PAYMENT_PRODUCT]/[PAYMENT_ID]"
        },
        "status": {
            "href": "/psd2/paymentinitiation/v1/payments/[PAYMENT_PRODUCT]/[PAYMENT_ID]/status"
        }
    },
    "psuMessage": "Please confirm payment [PAYMENT_ID]"
}

Response headers

X-Request-ID

Get Payment Initiation

curl -X GET
    [API_HOST]/psd2/paymentinitiation/v1/payments/[PAYMENT_PRODUCT]/[PAYMENT_ID]
    -H 'Authorization: Bearer [ACCESS_TOKEN]'
    -H 'PSU-IP-Address: [PSU_IP_ADDRESS]'
    -H 'X-BicFi: [BICFI]'
    -H 'X-Request-ID: [GUID]'

Headers

See Create Payment Initiation

Path parameters

PAYMENT_ID that was returned from the initiation request.

Response

{
    "creditorAgent": "[BICFI]",
    "remittanceInformationUnstructured": "[MESSAGE]",
    "transactionStatus": "ACTC",
    "creditorAccount": {
        "iban": "[CREDITOR_IBAN]",
        "currency": "SEK"
    },
    "creditorName": "Enterprise Inc",
    "debtorAccount": {
        "iban": "[DEBTOR_IBAN]",
        "currency": "SEK"
    },
    "instructedAmount": {
        "currency": "SEK",
        "amount": "142.66"
    }
}

Response headers

X-Request-ID

Cancel Payment Initiation

Not implemented yet.

Get Payment Initiation Status

curl -X GET
    [API_HOST]/psd2/paymentinitiation/v1/payments/[PAYMENT_PRODUCT]/[PAYMENT_ID]/status
    -H 'Authorization: Bearer [ACCESS_TOKEN]'
    -H 'PSU-IP-Address: [PSU_IP_ADDRESS]'
    -H 'X-BicFi: [BICFI]'
    -H 'X-Request-ID: [GUID]'

Headers

See Create Payment Initiation

Path parameters

PAYMENT_ID that was returned from the initiation request.

Response

{
    "transactionStatus": "ACTC"
}

Response headers

X-Request-ID

Start Payment Initiation Authorisation Process

curl -X POST
    [API_HOST]/psd2/paymentinitiation/v1/payments/[PAYMENT_PRODUCT]/[PAYMENT_ID]/authorisations
    -H 'Authorization: Bearer [ACCESS_TOKEN]'
    -H 'Content-Type: application/json'
    -H 'PSU-IP-Address: [PSU_IP_ADDRESS]'
    -H 'X-BicFi: [BICFI]'
    -H 'X-Request-ID: [GUID]'
    -d ''

Note that this call does not need a body.

Headers

See Create Payment Initiation

Path parameters

PAYMENT_ID that was returned from the initiation request.

Response

{
    "authorisationId": "[PAYMENT_AUTH_ID]",
    "scaStatus": "received",
    "scaMethods": [
        {
            "authenticationType": "PUSH_OTP",
            "authenticationMethodId": "[AUTHENTICATION_METHOD_ID]"
        }
    ],
    "_links": {
        "authoriseTransaction": {
            "href": "/psd2/paymentinitiation/v1/payments/[PAYMENT_PRODUCT]/[PAYMENT_ID]/authorisations/[PAYMENT_AUTH_ID]"
        }
    }
}

Response headers

ASPSP-SCA-Approach - see below for different values.
X-Request-ID

Get Payment Initiation Authorisation Sub-Resources

curl -X GET
    [API_HOST]/psd2/paymentinitiation/v1/payments/[PAYMENT_PRODUCT]/[PAYMENT_ID]/authorisations
    -H 'Authorization: Bearer [ACCESS_TOKEN]'
    -H 'PSU-IP-Address: [PSU_IP_ADDRESS]'
    -H 'X-BicFi: [BICFI]'
    -H 'X-Request-ID: [GUID]'

Headers

See Create Payment Initiation

Path parameters

PAYMENT_ID that was returned from the initiation request.

Response

{
    "authorisationIds": [
        "[PAYMENT_AUTH_ID]"
    ]
}

Response headers

X-Request-ID

Get Payment Initiation Authorisation SCA Status

curl -X GET
    [API_HOST]/psd2/paymentinitiation/v1/payments/[PAYMENT_PRODUCT]/[PAYMENT_ID]/authorisations/[PAYMENT_AUTH_ID]
    -H 'Authorization: Bearer [ACCESS_TOKEN]'
    -H 'PSU-IP-Address: [PSU_IP_ADDRESS]'
    -H 'X-BicFi: [BICFI]'
    -H 'X-Request-ID: [GUID]'

Headers

See Create Payment Initiation

Path parameters

PAYMENT_ID that was returned from the initiation request.

Response

{
    "scaStatus": "received"
}

Response headers

X-Request-ID

Update PSU Data for Payment Initiation

curl -X PUT
    [API_HOST]/psd2/paymentinitiation/v1/payments/[PAYMENT_PRODUCT]/[PAYMENT_ID]/authorisations/[PAYMENT_AUTH_ID]
    -H 'Authorization: Bearer [ACCESS_TOKEN]'
    -H 'Content-Type: application/json'
    -H 'PSU-IP-Address: [PSU_IP_ADDRESS]'
    -H 'X-BicFi: [BICFI]'
    -H 'X-Request-ID: [GUID]'
    -d '{
        "authenticationMethodId": "[AUTHENTICATION_METHOD_ID]"
    }'

Headers

See Create Payment Initiation

Path parameters

PAYMENT_ID that was returned from the initiation request.

Response

{
    "chosenScaMethod": {
        "authenticationType": "PUSH_OTP",
        "authenticationMethodId": "[AUTHENTICATION_METHOD_ID]"
    },
    "_links": {
        "scaOAuth": {
            "href": "[AUTH_HOST]/connect/authorize?client_id=[CLIENT_ID]&scope=paymentinitiation%20private&response_type=code&redirect_uri=[TPP_REDIRECT_URI]&state=[TPP_STATE]&acr_values=idp:[BICFI]%20paymentId:[PAYMENT_ID]%20paymentAuthorisationId:[PAYMENT_AUTH_ID]"
        }
    },
    "scaStatus": "scaMethodSelected"
}

Response headers

X-Request-ID
ASPSP-SCA-Approach - see below for different values.

Test procedure

If the ASPSP uses OAuth:

The above endpoint returns an OAuth authorize URL in the scaOAuth field.
Replace all the bracketed fields with real values. In your code you will have to replace only the two TPP values.
- TPP_REDIRECT_URI should be the URL to redirect to after auth is completed.
- TPP_STATE can be anything the TPP wants.
- BICIFI
Run it in a browser. Test data may differ for different banks, please see individual docs at supported banks.
When you submit the data you will be redirected to the [TPP_REDIRECT_URI]
On this URI a code param will be added.
Use this code in the subsequent call when getting the account information token.

Call the OAuth token endpoint to finalize payment.

curl -X POST
    [AUTH_HOST]/connect/token
    -H 'Content-Type: application/x-www-form-urlencoded'
    -H 'X-PaymentAuthorisationId: [PAYMENT_AUTH_ID]'
    -H 'X-PaymentId: [PAYMENT_ID]'
    -d 'client_id=[CLIENT_ID]&client_secret=[CLIENT_SECRET]&code=[CODE]&redirect_uri=[TPP_REDIRECT_URI]&scope=paymentinitiation&grant_type=authorization_code'

Schemas

Transaction status

Read more about the potential values in the NextGen specification.

ASPSP-SCA-Approach

This is a response header that describes how to proceed with authentication. Can be one of the following values. See the NextGen specs for more details.

EMBEDDED
DECOUPLED
REDIRECT

Payment authorisation status

scaStatus for a payment authorisation can be one of the following values:

received
psuIdentified
psuAuthenticated
scaMethodSelected
started
finalised
failed
exempted

Authentication type

authenticationType for a payment authorisation can be one of the following values:

SMS_OTP
CHIP_OTP
PHOTO_OTP
PUSH_OTP