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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

AISP, CBPII & PISP - v3.1.10 (Also compatible with v3.1)

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

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 
Not Applicable 

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

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

Have you implemented ECA Standard?

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

ECA Implementation details


Contact: [enter contact details for the relevant person(s) at your organisation]

[You can use this space to provide your status with respect to the Standard]

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 

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

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

Contact: [enter contact details for the relevant person(s) at your organisation]

[You can use this space to provide implementation details relevant to VRP]
PISP - Single Payment Limit£
PISP - Daily Payment Limit£
How many months of transaction do you provide?6 MonthsLast 6 Months worth of transactions
Are Have you planning to implement implemented TRIs (Transactional Risk Indicator enhancements included in v3.1.10Indicators), if sonot, implementation 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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Which date are you planning on implementing the SCA reauthentication exemption?


We implemented this on 14/11/2022.

See the below for reference.

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


  • As part of v3.1.10 Implementation, Vanquis will introduce a long lived refresh token of 60 years.
  • Consent will not be expire and if the consent is revoked then need to create new consent.
  • AIS consents created after implementation of v3.1.10 will no longer require re-authentication every 90 days. The new rules in place will ask for customer reconfirmation with the AISP not ASPSP.
  • Consents issued and authorised before v3.1.10 implementation will remain valid for 90 days.
  • There are no changes to Vanquis current implementation of Access Tokens. Third parties should continue to pass OAuth credentials in a Get Access Token call.  In response, the Vanquis authorisation server issues an access token, reuse the access token until it expires. When it expires, you can get a new token.
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 authentication
Please specify the time period in minutes
SCA-RTS implementation status (updated by OBIE OBL PS team only)

Status
colourGreen
titleImplemented




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titleSecurity Profile


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-Which Security profile have you Implemented or planning to implement?

(Lowest version = Current, Highest version = Planned)

  •  OB Security Profile (Legacy)
  •  FAPI (ID2)
  •  FAPI 1 Advanced
  •  Other (Please define) 

Security Profile - Next Planned Version Implementation Date



CIBA Profile - Implemented or planning to implement

(Lowest version = Current, Highest version = Planned)

  •  None
  •  CIBA
  •  CIBA FAPI Profile

CIBA Profile - Next Planned Version Implementation Date

Security Profile Certification date?
 05/12/2019
https://openid.net/certification/#FAPI_OPs
Token Endpoint Authentication Methods Supported
  •  
    client_secret_post
  •  
    client_secret_basic
  •  
    client_secret_jwt
  •  
    tls_client_auth
  •  Private_key_jwt

Planned date to Cease support for client id and client secret token endpoint authenticationn/a
POST-BREXIT POST TRANSITION - Certificates Accepted (from 1st Jul 2021)
  •  eIDAS QWAC
  •  eIDAS QSealC
  •  OB legacy (obtransport, obsigning)
  •  OBWAC
  •  OBSeal
  •  Other (Please define) 



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titleCustomer Journey


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-What is your approach to Implementing OBIE 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?

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



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titlePSD2


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  •  Yes
  •  No
-Which Directory are you using as your Trust Framework?Open Banking
Are you caching the Directory?No
Transaction IDs Supported

Are you enrolled to Dispute Management System?



Are you Seeking Fallback Exemption?

  •  Yes
  •  No

Exempted. 

Article 10 - Maximum time period after authenticationN/A
Article 10 - Endpoints exempt of SCA

Accounts, Balances, Transactions, Products, Offers, Statements


Major Milestones

Completed

  - Decommissioning of legacy web application 'eVanquis'

 - Migration to internally hosted Test Facility.

 - Implementation of eIDAS certificates.

  - SCA Implementation on Web Channel for Open Banking 

  - Payment Initiation APIs implemented (Money Transfer)

  - Payment Initiation APIs implemented (Balance Transfer)

  - Implemented Open Banking Version 3.1.10.


Brand(s)




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titleASPSP Dev Portal and Contact Details


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Location of Well Known Endpoints

OB Technical Directory and OB ASPSP Implementation GuideImplementation Guide: Vanquis Bank

Modified Customer Interface URL (if applicable)



Dev Portal URLhttps://www.vanquis.co.uk/developer-portal
Test Facility URL

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@vanquisbank.co.uk



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