Implementation Guide: Capital One

This page has been created and maintained by the relevant ASPSP, and OBIE takes no liability for the completeness nor accuracy of this data.

Note to ASPSP: Please indicate which brands this applies to and/or duplicate this page per brand if relevant.


ASPSPCapital One (Europe)
BrandCapital One
Date
Developer portal (s)https://developer.capitalone.co.uk/apis

Announcements:

Improvement

Delivery date



Change to Production:

Improvement

Delivery date

Client Registration support for private_key_jwt:

TPPs will need to register specifying private_key_jwt as the token_endpoint_auth_method (as shown through our Open ID Configuration.) Note: Clients already registered with client_secret_post and client_secret_basic will be able to continue requesting tokens with their respective method. The intention is that the TPPs currently using client_secret_basic and client_secret_post will be asked to update clients to use private_key_jwt in the future.

 



On-boarding

Supports dynamic client registration (Y/N)Y
Instructions for manual onboardingN/A
OIDC .well-known endpoint

https://integrations.capitalone.co.uk/.well-known/openid-configuration

Notes on testingTPPs must be registered with the Open Banking Directory
Other on-boarding notes
  • There is currently no support for Client Management
  • SSA must be issued by Open Banking
  • redirect_uris MUST match or be a subset of the software_redirect_uris claim in the SSA
  • See well-known endpoint for supported configurations
  • When onboarding if any challenges arise please contact ukdevelopersupport@capitalone.com

  • private_key_jwt must be specified as the the token_endpoint_auth_method
Documentation URL


https://developer.capitalone.co.uk/api/

Account Information API

Note to ASPSP: Please add a column per brand if relevant

Swagger versionv3
Base URI
https://open-banking.capitalone.co.uk/open-banking/v3.1/aisp
General variances to specification 

Time format - our interface supports the following data time format 2011-12-03T10:15:30

Non-functional limitations

Pagination is not supported

Re-authentication - Customers must re-confirm consent to share their data at least every 90 days. This can be completed by using the existing intent ID in a request to the /authorize endpoint (as per the OBIE specifications).

API Call Limits - Our interface implements rate-limiting on TPP data requests where the Customer is not present (as indicated by x-fapi-customer-ip-address header) where reached a 429 response will be returned.

RefAreaEndpointsNotes

Account Access Consents

POST /account-access-consents

GET /account-access-consents/{consentId}

DELETE /account-access-consents/{consentId}


Supported Permissions:

Note: These align with the data endpoints supported by our API implementation, other permissions other than list will be rejected.

    • ReadAccountsBasic
    • ReadAccountsDetail
    • ReadBalances
    • ReadTransactionsBasic
    • ReadTransactionsDetail
    • ReadTransactionsCredits
    • ReadTransactionsDebits

Accounts

GET /accounts

GET /accounts/{accountId}

The following fields will be included in the response where appropriate

Data.Account.AccountId
Data.Account.Currency
Data.Account.AccountType
Data.Account.AccountSubType
Data.Account.Description
Data.Account.Account
Data.Account.Account.SchemeName        // always UK.OBIE.PAN
Data.Account.Account.Identification           // last four of masked PAN
Data.Account.Account.Name

We do not support any optional fields


Balances

GET /balances

GET /balances/{accountId}

The following fields will be included in the response where appropriate

Data.Balance.AccountId
Data.Balance.CreditDebitIndicator
Data.Balance.Type                    // only support OpeningBooked
Data.Balance.DateTime
Data.Balance.Amount
Data.Balance.Amount.Amount
Data.Balance.Amount.Currency
Data.Balance.CreditLine
Data.Balance.CreditLine.Types

We do not support any optional fields


Transactions

GET /transactions

GET /transactions/{accountId}

The following fields will be included in the response where appropriate

Data.Transaction.AccountId
Data.Transaction.TransactionReference
Data.Transaction.CreditDebitIndicator
Data.Transaction.Status
Data.Transaction.BookingDateTime
Data.Transaction.ValueDateTime
Data.Transaction.TransactionInformation
Data.Transaction.AddressLine
Data.Transaction.Amount
Data.Transaction.Amount.Amount
Data.Transaction.Amount.Currency
Data.Transaction.MerchantDetails
Data.Transaction.MerchantDetails.MerchantName

We do not support any optional fields