Send a single payment request initiation in €

Context

This call is used to send to the account-holding bank (ASPSP) of a customer (PAO) a request for payment initiation in order to debit the PAO account and to credit the account of the payment service user (PSU) for which the Payment Service Provider (PISP) is connected.

For the time being, the initiation of single payment in euros is only accepted in our treatments. When submitting the request and if all the fields are correctly formatted, a response (HTPP 201) will be returned.

This response will contain the resourceID of the payment initiation request, as well as the SCA Redirect authentication mode (sole mode available), the consent URL depending on the payer's bank (urlconsent_approval_URL ) and nonce.

 

Prerequisite

In order to process this request it's needed to fill the eligibility (see "Eligibility" use case), and to get the OAUTH2 access token (see "Retrieve your access token" use case).

 

Request POST

The entry point depends on the bank code <bkcode>.

You need to insert the same <bkcode> parameter as the one used for requesting the access token.

As a reminder, the list of our banking institutions and the possible values ​​of <bkcode> are specified in the "Limits" use case, see examples below :

Bank code <bkcode>

Bank name

Bank short name

13807

B.P Grand Ouest

BPGO

17515

CE Ile de France 

CEIDF

For instance the URI will be :

 

Mandatory or facultative body parameters needed for calling the service

Body structure and mandatory fields are described in the STET standard.

The parameters below must be setup at the following values :

  • serviceLevel => "SEPA"
  • currency => "EUR" => international currency transfers will not be available in 2020.
  • requestedExecutionDate => equal or greater than transaction date 
  • numberOfTransactions => "1" (only one single payment initiation) 
  • executionRule => "FWNG--following" (payment execution the next working day) 
  • frequency => not valued as not applicable (multiple or recurrent payments not available)  => this feature will be available in September 2020
  • only for Banques Populaires: localInstrument => not valued as only SCT CORE payments are processes => instant payment feature will not be available in 2020
  • only for Banques PopulairesrequestedExecutionDate data can't be a week-end or Target 2 closing day for SCT CORE payments, see calendar on https://www.ecb.europa.eu/paym/target/target2/profuse/calendar/html/index.en.html
  • "Iban", "debtorAccount", "creditorAccount" => a valid normalized IBAN
  • successfullReportUrl => mandatory parameter for the REDIRECT mode 
  • unsuccessfullReportUrl => if not filled, the data in "successfullReportUrl" will be used 
  • supplementaryData => "REDIRECT"
  • scaHint => field ignored whatever value is set  => SCA exemptions management will not be available in 2020.
  • creationDateTime => ISO8601
    • The three regular expressions allowed are:
      • YYYY-MM-DDTHH:MM:SS.SSS+HH:MM
      • YYYY-MM-DDTHH:MM:SS.SSS+HHMM
      • YYYY-MM-DDTHH:MM:SS.SSS
    • Examples:
      • 2019-11-12T00:00:00.000+02:00
      • 2019-11-12T00:00:00.000+0200
      • 2019-11-12T00:00:00.000

 

 

Error Codes

Error type

HTTP code

Description

Reason

Generic, bad structure

400

Bad request

error code : FF01
message : RJCT

Wrong format for BIC

400

Bad request

error code : FF01
message : RJCT
error : the field creditorAgent.bicFi bicFi-Code allocated to a financial institution by the ISO 9362 Registration Authority as described in ISO 9362

Wrong format for serviceLevel

400

Bad request

error code : FF01
message : RJCT
error : value not one of declared Enum instance names: [SEPA, NURG]

Wrong format for chargeBearer different from SLEV

400

Bad request

error code: FF01
message: RJCT
error: value not one of declared Enum instance names: [SLEV]

Wrong format for schemeName

400

Bad request

error code: FF01
message : RJCT
error : the field creditor.privateId.schemeName schemeName-Possible values BANK,COID,SREN,DSRET,NIDN,OAUT,CPAN

Wrong format for purpose 400 Bad request error code: FF01
message: RJCT
error: value not one of declared Enum instance names: [TRPT, CASH, CPKC, ACCT, COMC]

Wrong format for categoryPurpose

400

Bad request

error code: FF01
message: RJCT
error: value not one of declared Enum instance names: [CASH, DVPM]

Wrong access token, authentication issue

403

Forbidden

 

Unknown request resource

404

Not Found

 

Wrong request, or request out of authorized scope

405

Method not allowed

 

Generic message

500

Internal server error

 

Duplicate request

500

Internal server error

error : Database insertion problem, duplicate unique key