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titleOB Standards

This Section applies to ASPSPs that have implemented OB Standards

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idTC-OB Standards


-Have you Implemented OB Standards?
  •  Yes
  •  No

Open Data - Which version have you Implemented?
  •  None
  •  V2.2
  •  V2.3
  •  V2.4

Read/Write API Specification Implemented or planning to implement

(Lowest version = Current, Highest version = Planned)

  •  V3.0
  •  V3.1
  •  V3.1.1
  •  V3.1.2
  •  V3.1.3
  •  V3.1.4
  •  V3.1.5
  •  V3.1.6
  •  V3.1.7
  •  V3.1.8
  •  V3.1.9
  •  V3.1.10
  •  V3.1.11
  •  V4.0

Read/Write API - Which date are you planning to implement your latest version?

v4.0 Read/Write API delivery on or after 09 09

  includes all endpoints for AIS, PIS Domestic (SIP, FDP, SO), Confirmation of funds (CBPII).

Sweeping VRPs and PIS International expected in Q1 2025, will be confirmed in a future update. 


Have you implemented v4.0 information flows, if not date planned to Implement?

  •  Already Implemented
  •  Planning to implement
  •  Not planning to implement 

Dynamic Client Registration - Which version have you Implemented or planning to implement?

(Lowest version = Current, Highest version = Planned)

  •  None
  •  V3.1
  •  V3.2
  •  V3.3

DCR - Which date are you planning to implement your latest version?

Have you implemented Trusted beneficiaries, if not date planned to Implement?

  •  Already Implemented
  •  Planning to implement
  •  Not planning to implement 

Have you implemented Reverse Payments, if not date planned to Implement?

  •  Already Implemented
  •  Planning to implement
  •  Not planning to implement 

Have you implemented ECA Standard?

  •  Already Implemented
  •  Planning to implement
  •  Not planning to implement 

ECA Implementation details

NA


Have you implemented Bulk/File Payments?

  •  Already Implemented
  •  Planning to implement
  •  Not planning to implement 

Have you implemented VRP – Sweeping, if not date planned to Implement?

  •  Already Implemented
  •  Planning to implement
  •  Not planning to implement 

MRO completed, VRP - Sweeping now live

Have you implemented VRP non-Sweeping, if not date planned to Implement?

  •  Already Implemented
  •  Planning to implement
  •  Not planning to implement 

Contact: nav.khan@hsbc.com; marcin.pieniazek@hsbc.com 

PISP - Single Payment Limit-For the latest details on payment limits, refer to our Implementation Guide on our Dev Portal.
PISP - Daily Payment Limit-For the latest details on payment limits, refer to our Implementation Guide on our Dev Portal.
How many months of transaction do you provide?

PCA and Savings - 6 years;

Credit Cards – 18 months billed and 1 month unbilled


Have you implemented TRIs (Transactional Risk Indicators), if not, date planned to Implement?

What is your approach to Implementing TRIs?
  •  Accept payload with TRI fields – Process all fields
  •  Accept payload with TRI fields – Ignore all fields
  •  Reject payload with TRI fields – Error back to TPP
  •  Accept payload with TRI fields – Process few fields (Provide list of accepted fields)  



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titleSCA-RTS 90-day reauth Implementation


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idSCA-RTS


Which date are you planning on implementing the SCA reauthentication exemption?

Implemented on 22/08/2022

What is your approach to token management to enable application of the reauthentication exemption? (see link to FCA guidance)

Issue a long-lived refresh token during one final SCA

- Any AIS consents created after the Implementation Date will no longer need to be re-authenticated every 90 days; their access expiry date will be the same as the consent expiry date, if one is provided

- For any pre-existing consents, the same will apply the first time re-authentication takes place after the Implementation Date. For example, if a customer re-authenticates a pre-existing consent in November 2022, the access expiry date will be aligned to the consent expiry date, if one is provided

​​- Consent Expiry Date is an optional field. If consent expiry date is not populated, the consent will never expire (unless revoked by the TPP). If consent expiry date is populated, its maximum value must be before 19/01/2038. Any value above 19/01/2038 will get 500 Internal Server Error (ErrorCode\":\"UK.OBIE.UnexpectedError\",\"Message\":\"Consent Exception)

- In line with HSBC’s current implementation, access and refresh tokens will continue to be used. Access tokens will continue to have a TTL of 60 minutes. The expiry date for refresh tokens issued after the Implementation Date will be aligned to the consent expiry date, if one is provided. If a consent expiry date is not provided, refresh tokens issued after the Implementation Date will not expire

- There will be no change to the data clusters available to TPPs without customer present. For the avoidance of doubt, only Balances and Transactions less than 90 days’ old will be accessible without customer present. All other data points will only be available within 60 minutes after SCA

Article 10A - Endpoints exempt of SCA-RTS
  •  

    Accounts

  •  

    Transactions (90days)

  •  

    Balances

  •  

    Standing orders

  •  

    Direct debits

  •  

    Beneficiaries

  •  

    Products

  •  

    Offers

  •  

    Parties

  •  

    Scheduled Payments

  •  

    Statements


Article 10A - Endpoints not exempt of SCA-RTS
  •  

    Transactions (more than 90days)

  •  

    Standing orders

  •  

    Direct debits

  •  

    Beneficiaries

  •  

    Products

  •  

    Offers

  •  

    Parties

  •  

    Scheduled Payments

  •  

    Statements


Article 10A - Maximum time period after authentication60 minutesPlease specify the time period in minutes
SCA-RTS implementation status (updated by OBL PS team only)

Status
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titleImplemented

Planned / In-progress / Implemented / TBC



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titleCustomer Journey


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-What is your approach to Implementing OBL Customer Experience Guidelines (CEG)?

(tick all that apply)

  •  Already Implemented
  •  Planning to implement or upgrade
  •  Not planning to implement CEG

Which version have you implemented or planning to implement?

(Lowest version = Current, Highest version = Planned)

  •  V3.1.2
  •  V3.1.3
  •  V3.1.4
  •  V3.1.5
  •  V3.1.6
  •  V3.1.7
  •  V3.1.8
  •  V3.1.9
  •  V3.1.10
  •  V3.1.11
  •  V4.0

Which date are you planning to implement your latest CEG version?

09  


Redirection Model
  •  App to App redirection
  •  Decoupled authentication
  •  Embedded Flow
  •  Bespoke User Journeys



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-Which Directory are you using as your Trust Framework?Open Banking
Are you caching the Directory?No
Transaction IDs Supported  - Option 2 ImplementedHSBC generates a Unique Transaction ID from a set of Immutable fields, which is then passed on to TPPs via the API

Are you Seeking Fallback Exemption?

  •  Yes
  •  No


Article 10 - Maximum time period after authentication60 minutes
Article 10 - Endpoints exempt of SCA

Accounts. Balances. Transactions  (last 90 days only)


Major Milestones



Brand(s)



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titleASPSP Dev Portal and Contact Details


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Location of Well Known Endpoints

OB Technical Directory

Modified Customer Interface URL (if applicable)



Dev Portal URLhttps://develop.hsbc.com/
Test Facility URLhttps://develop.hsbc.com/
Brand Landing Pages URL
[You can use this space to explain your guidance on using Brand logos]

ASPSP Support Desk Email or Phone Number

(including queries about consent success rates) 

openbankingsupport@hsbc.com



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