Payments

The Payments API allows customers to securely make account-to-account payments in Europe from your app or website in real time.
Finqware Payments API (currently in public beta) enables third parties to set up secure payments on behalf of customers. It provides a unified way of registering new payments on behalf of customers in all integrated banks and works by letting customers connect to their banks and authorize a payment directly from their accounts. Once authorized by the customer, the payment is submitted for processing.
Under PSD2, a 'Payment Initiation Service' is an online service which accesses a user's payment account to initiate a payment with the user's consent and authentication, according to PSD2 regulations
Given the extensive research already done by Swift for ISO20022 standard, the API closely follows the spec as a guideline for architecting the structure of the API. This allows us to integrate different types of payments ranging from Single Domestic Payments to International and Bulk Payments.
Although initially intended to integrate PSD2 Payment Initiation APIs, future extensions will potentially add more capabilities such as working with custom payment APIs (e.g.: private corporate APIs).
post
https://api.finqware.com
/v1/sessions/:id/steps
Submit Payment Intent step 
Payment input data object
In particular, we are following the conventions set by the ISO20022 CustomerCreditTransferInitiationV03 message.
psu_redirect_link: string - An URL the end-user is redirected to after completing the flow, back to the tenant app.
psu_id: string (optional) - End-user identification information (e.g.: a username used also on the bank's web-banking app). It is required for specific skills.
group_header: object (optional) - Payment group header; not used in single-payments scenario
message_id: string
txs_no: number
payment_info: array - List of elements related to the debit side of the transaction. The information is common to all the credit transfers attached to this Payment Information.
payment_info_id: string (optional) - Unique identification of the Payment Information part assigned by the Initiating Party. Used in bulk payments scenarios. Not required for single payments.
debtor: object (optional) - Personal information of the debtor
name: string - Debtor name
address: string (optional) - Debtor address
postcode: string (optional) - Debtor postcode
country: string (optional) - Debtor ISO3166 Country code
debtor_account: object (optional) - Debtor account
identification: object - account identification; the only supported option at the moment is IBAN
iban: string - IBAN account number;
currency: string - 3 Letter ISO Currency Code (ISO 4217)
transactions: array - List of Credit Transfer Transaction Information
amount: object - amount that needs to be transferred
instructed_amount: object - Instructed amount; the only supported option at the moment
value: string - amount that needs to be transferred
currency: string_ - _3 Letter ISO Currency Code (ISO 4217)
creditor: object - Personal information of the creditor
name: string - Creditor name
address: string (optional) - Creditor address
postcode: string (optional) - Creditor postcode
country: string (optional) - Creditor ISO3166 Country code
creditor_account: object - Creditor account
identification: object - account identification; the only supported option at the moment is IBAN
iban: string - IBAN account number;
currency: string - 3 Letter ISO Currency Code (ISO 4217)
payment_identification: object (optional) - Payment identification; required by specific skills.
end_to_end_id: string - Unique identification assigned by the payer to identify the transaction. This identification will be returned to the payer and passed on to the beneficiary.
remittance_information: object (optional) - Payment details. Credit transfer may contain either free text as unstructured remittance information or structured remittance information, but not both at the same time (with the exception of ERI, which makes it possible to send both at the same time). In currency payments, unstructured information can be used as long as the initiating bank doesn’t change a structured message to an unstructured one.
unstructured: string - Payment unstructured details
Example request body
{
    "client_id": "{{client_id}}",
    "nonce": "{{nonce}}",
    "skill": "rzb_ro_pisp1_sbx_#2.0",
    "step": "payment_intent",
    "data": {
        "psu_redirect_link": "http://your_redirect_uri",
        "psu_id": "9999999998",
        "payment_info": [
            {
                "payment_info_id": "123123",
                "debtor_account": {
                    "identification": {
                        "iban": "RO36RZBR5381428631716833"
                    },
                    "currency": "RON"
                },
                "transactions": [
                    {
                        "amount": {
                            "instructed_amount": {
                                "value": "1",
                                "currency": "RON"
                            }
                        },
                        "creditor": {
                            "name": "Madonna",
                            "postcode": "00000",
                            "country": "RO",
                            "town": "Bucuresti",
                            "address": "Bulevardul 1 Mai"
                        },
                        "creditor_account": {
                            "currency": "RON",
                            "identification": {
                                "iban": "RO34RZBR4494386347175899"
                            }
                        },
                        "payment_identification": {
                            "end_to_end_id": "1"
                        },
                        "remittance_information": {
                            "unstructured": "test rzb-ing"
                        }
                    }
                ]
            }
        ]
    }
}
post
https://api.finqware.com/v1
/payments/get
Get payment
API - Previous
Transactions
Next - API
Consents
Last modified 11mo ago