Cater Allen

Owned by Adam Pretlove (Unlicensed)
Last updated: Dec 14, 2023 by Alessandro Greco
4 min read
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

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?

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£25,000.00Per transaction and account
PISP - Daily Payment Limit£100,000.00
How many months of transaction do you provide?>5 years 
Are you planning to implement TRIs(Transactional Risk Indicator enhancements included in v3.1.10), if so, implementation date?YesDelivered 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 OBIE 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
  • Other (Please define) 

Security Profile - Next Planned Version Implementation DateN/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 DateN/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 
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

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 SupportedNo

Are you enrolled to Dispute Management System?

  • Yes
  • No

Are you Seeking Fallback Exemption?

  • Yes
  • No


Article 10 - Maximum time period after authenticationN/AIt'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 URLSandbox: 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