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).

Submit Payment Intent step

POST https://api.finqware.com/v1/sessions/:id/steps

- Once an on-boarding session is started, you can submit data using the session_idand thenoncereceived in the previous step. Each session is an iteration of steps.

- Each skill has a different on-boarding process. This example illustrates a payment intent step. At the end of a successful Session, you will receive a SCA link.

Request Body

Name

Type

Description

client_id*

string

A unique id for a tenant app, generated through the developer portal.

nonce*

string

Executing the next step/iteration requires a nonce

skill*

string

step*

string

e.g. "payment_intent"

data*

object

Input data for payment step

{
  "status": "SESSION_IN_PROGRESS",
  "data": {
    "headers": {
      "Content-Type": "application/x-www-form-urlencoded"
    },
    "method": "GET",
    "url": "https://www.testbank.com/v1/payments/sepa-credit-transfers/authorize?client_id=XXXXXXXXXXX&code_challenge=BYihra....ChCM&code_challenge_method=S256&redirect_uri=https%3A%2F%2Fdev-api.finqware.com%2Fv1%2Fredirects%2Faisp&response_type=code&scope=PIS%3Ac26a97f&state=de53cb2e-...-a092503c1737"
  }
}

// check the errors docs page for details
{
  "id": "uuid",
  "type": "invalid_request",
  "http": 400,
  "code": "invalid_client_id",
  "message": "error message"
}

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"
                        }
                    }
                ]
            }
        ]
    }
}

Get payment

POST https://api.finqware.com/v1/payments/get

Retrieve a payment details and/or status updates. Every time this endpoint is called, Finqware makes a back-to-back API call to the bank for updates.

Request Body

Name

Type

Description

client_id*

string

An identifier for your client app.

client_secret*

string

A tenant app secret

credentials_id*

string

A pointer to the payment object

access_token*

string

An auth token for the payment object

{
    "id": "e2dbc9cf-d1fd-4d77-9ee7-9864b868dec9",
    "data": {
        "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"
                        }
                    }
                ]
            }
        ]
    },
    "status": "payment_completed"
}

// check the errors docs page for details
{
  "id": "uuid",
  "type": "invalid_request",
  "http": 400,
  "code": "invalid_client_id",
  "message": "error message"
}

Payment lifecycle

A payment goes through a number of stages reflected by a changing status.

Status

Description

new_payment_input

The user started a new session and sent the payment details to Finqware

payment_input_submitted

Finqware submitted the payment details to the bank

payment_received

The bank received the payment details and responded with a payment_id

payment_authorized

The user authorized the payment and Finqware received an ACK through a redirect or polling after payment status

payment_in_process

The payment is processed by the bank

payment_completed

The payment is settled in both debtor's and creditor's accounts

payment_failed

Payment cancelled, rejected or failed

PreviousTransactions NextConsents

Last updated 1 year ago

Submit Payment Intent step

Request Body

Payment input data object

Example request body

Get payment

Request Body

Payment lifecycle

Payment input `data` object