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OB Standards

This Section applies to ASPSPs that have impletemented 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

Read/Write API - Which date are you planning to implement your latest version?Q4 2023

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


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?6We are aiming provide transactions over 6 months in Q4 2023.
Are you planning to implement TRIs(Transactional Risk Indicator enhancements included in v3.1.10), if so, implementation date?No
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?

12/09/2022Implemented and gone live on 12/09/2022

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


The following will apply from the Implementation Date:

  • All AIS consents issued after the implementation date will be long-lived, and not require re-authentication 90 days later.
  • For all pre-existing consents, the same will apply the first-time re-authentication takes place after the Implementation Date.
  • In line with NewDay’s current implementation, access and refresh tokens will continue to be used. Access tokens will continue to have a TTL of 60 minutes.
  • When the AISP calls to exchange a Refresh Token, the expiry of that Refresh Token shall be aligned with the most recent Consent.
    • Consents created with no Expiry Date - Refresh Token shall have a long-lived Expiry Date 
    • Consents that still have an Expiry Date - Refresh Token Expiry Date aligns with Consent Expiry Date
  • Re-authentication will also be required for scenarios where the customer has revoked access using the bank’s facilities
  • We do not expect TPPs will need to take any action after the Implementation Date
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 authentication30Please specify the time period in minutes
SCA-RTS implementation status (updated by OBIE PS team only)

IMPLEMENTED


Security Profile


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

(Lowest version = Current, Highest version = Planned)

  • OB Security Profile (Legacy)
  • FAPI
  • Other (Please define) 

Security Profile - Next Planned Version Implementation DateQ4 2023
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?
 

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

No


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 OBIE 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

Which date are you planning to implement your latest CEG version?TBC
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?Yes
Transaction IDs Supported

Are you enrolled to Dispute Management System?

  • Yes
  • No

Are you Seeking Fallback Exemption?

  • Yes
  • No


Article 10 - Maximum time period after authentication5 minutes
Article 10 - Endpoints exempt of SCA

Balances, Transactions, Statements


Major Milestones

AISP (v3.1.1) CBPII (v3.1), Production Facility 14/06/2019

PISP(v3.1.1) Production Facility 30/11/2023
Brand(s)aqua, Fluid, marbles, opus, John Lewis, pulse, Argos, bip, Burton, Debenhams, Dorothy Perkins, Evan, NewPay, TUI, Wallis
ASPSP Dev Portal and Contact Details

Location of Well Known Endpoints

Open Banking Technical Directory

Modified Customer Interface URL (if applicable)



Dev Portal URLhttps://docs.newdaytechnology.co.uk/solutions-catalogue/open-banking/
Test Facility URLhttps://api.newdaycards.com/sandbox
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@newday.co.uk
02071697799

Key Implementations

High Cost Credit

N/A to Credit Cards
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