Cater Allen

OB Standards

This Section applies to ASPSPs that have implemented 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	Implemented version 3.1.10. Planning to implement v. 3.1.11.
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	Delivery date TBD
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	N/A	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	£25,000.00	Per transaction and account
PISP - Daily Payment Limit	£100,000.00
How many months of transaction do you provide?	>5 years
Have you implemented TRIs (Transactional Risk Indicators), if not, date planned to Implement?	Yes	Delivered to PROD
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)

SCA-RTS 90-day reauth Implementation

Which date are you planning on implementing the SCA reauthentication exemption?		27/09/2022 (delivered to PROD)
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, with refresh token rotation implemented. As part of our transitions for the 90 Day Re-auth Article 10 Changes, Cater Allen is planning to extend the refresh tokens for all TPPs with new long lived unlimited tokens. Date TBC
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		200 Years = 105,120,000 Minutes
SCA-RTS implementation status (updated by OBL PS team only)	IMPLEMENTED	In-progress

Security Profile

-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	N/A
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	N/A
Security Profile Certification date?	July 2021
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 authentication	03 Jul 2019
POST-BREXIT POST TRANSITION - Certificates Accepted (from 1st Jul 2021)	eIDAS QWAC eIDAS QSealC OB legacy (obtransport, obsigning) OBWAC OBSeal Other (Please define)

Customer Journey

-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	Implemented version 3.1.10. Planning to implement v. 3.1.11.
Which date are you planning to implement your latest CEG version?	September 2021
Redirection Model	App to App redirection Decoupled authentication Embedded Flow Bespoke User Journeys

PSD2

-Which Directory are you using as your Trust Framework?	Open Banking
Are you caching the Directory?	No
Transaction IDs Supported	No
Are you Seeking Fallback Exemption?	Yes No
Article 10 - Maximum time period after authentication	N/A	It's immediate.
Article 10 - Endpoints exempt of SCA	N/A	For article 10 we are only going with the 90 days re-authentication but not restrictions on payment types (DDs, SOs) or data for more than 90 days away. Please note: We do not display statements
Major Milestones	Version 3.1.10 was implemented in January 2023 and Security Conformance SUITE re-certification in progress. Live with AIS, PIS and CBPII. DCR components live.
Brand(s)

ASPSP Dev Portal and Contact Details

Location of Well Known Endpoints	OB Technical Directory	The Well Known Endpoint for our Sandbox is: https://sandbox.caterallen.co.uk/.well-known/openid-configuration It is also indicated in the support section together with other relevant info: https://sandbox.caterallen.co.uk/store/site/pages/faq.jag The Production Well Known Endpoint is: https://developer.caterallen.co.uk/.well-known/openid-configuration It is also indicated in the support section together with other relevant info: https://developer.caterallen.co.uk/devportal/faq
Modified Customer Interface URL (if applicable)
Dev Portal URL	Prod: https://developer.caterallen.co.uk/devportal/apis	For Production URL we are live with AIS, PIS and CBPII. Full live proving has been provided for AIS and PIS. For CBPII endpoints we are in Managed Rollout phase testing. Please contact us for further information.
Test Facility URL	Sandbox: https://sandbox.caterallen.co.uk/devportal/apis
Brand Landing Pages URL		Please find the guidelines on using Cater Allen Brand and logos:
ASPSP Support Desk Email or Phone Number (including queries about consent success rates)	caterallenopenbanking@santander.co.uk

Information on error codes for Cater Allen APIs

Key Implementations

High Cost Credit	Cater Allen - HCC.xlsx