AVAILABLE FOR USE BY:
Consent and Account Information APIs: Account information Service Providers with a PSD2 license/TPP certificate
Availability of Funds API: Account information Service Providers, Payment Initiation Service Providers and Card Based Payment Instrument Issuers with a PSD2 license/TPP certificate
OVERVIEW
With this type of information, you may provide your users with a consolidated view of their available balance, incomes, and spending. Based on the transactions history you may understand the spending behaviour of your users, both private and corporate, predict overdrafts and notify or offer them a credit line from your partner credit institutions, reconcile invoices with payments for corporates, alert for the possibility of fraud when abnormal spends occur, etc.
KEY FEATURES
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Consent
The user grants the TPP the consent to access the account information.
Define Accounts
The user can define which accounts to be made available to the TPP.
Account Access
A user can access via mobile phone or web browser the account transactions accessible through its Bank interface.
Customer Authentication
The Bank validates the identity of the user prior to any request for action.
Corporate & Fintech Order
The user can grant any registered AISP the access to the account information.
Withdraw Consent
The user may revoke the consent at any time.
INCLUDED APIs
Account Information
Account Information API enables access to account identification data, account balances, and account transaction history.
Consent
Consent API performs the PSU authentication and returns a consent resource identifier that will allow you to access the ASPSP accounts that the PSU has provided consent to access.
Availability of Funds
Availability of Funds API enables you to check in real-time if your clients have enough available funds to honour a purchase they are doing with the card you issued to them.
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