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Mettle

Mettle

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
  • V4.0.1


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


Already implement 3.1.10

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
  • V3.4

BoA V3.3
Already implemented compliance with
3.3

DCR - Which date are you planning to implement your latest version?


Already Implemented V3.3

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 Bulk/File Payments?

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

[Please use this space to provide more details on bulk/file payments implementation]

(e.g. maximum value/volume of payments per file, maximum file size, requirement for payees to be existing trusted beneficiaries, etc)

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 


PISP - Single Payment Limit

£10000


PISP - Daily Payment Limit

No Limit at present


How many months of transaction do you provide?

No limit at present


Have you implemented TRIs (Transactional Risk Indicators), if not, date planned to Implement?

Under Review


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)  

TBC

SCA-RTS 90-day reauth Implementation

Which date are you planning on implementing the SCA reauthentication exemption?

n/a


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

n/a


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 OBL PS team only)


Planned / In-progress / Implemented / TBC

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

n/a

CIBA Profile - Next Planned Version Implementation Date

n/a


Security Profile Certification date?

 24/10/2022


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

n/a


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
  • V4.0.1

Already implemented V3.1.10

Which date are you planning to implement your latest CEG version?

Already implemented V3.1.10


Redirection Model

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

Browser Redirection & App to App redirection

PSD2

-Which Directory are you using as your Trust Framework?

The Open Banking Directory


Are you caching the Directory?

No


Transaction IDs Supported

Transaction IDs are supported, please
refer to:
3.1.6 Transaction Endpoint Documentation - Bank of
APIs


Are you Seeking Fallback Exemption?

  • Yes
  • No


Article 10 - Maximum time period after authentication

Mettle is adopting Article 10 Exemption for
90-day reauthentication, no further
restrictions are being applied under Article
10.


Article 10 - Endpoints exempt of SCA

VRP payment endpoint is exempt of SCA
using the ‘trusted beneficiary’ exemption


Major Milestones

Exited the VRP MRO in February 2023.


Brand(s)

Mettle


ASPSP Dev Portal and Contact Details

Location of Well Known Endpoints


https://auth.openbanking.prdmettle.
co.uk/.well-known/openidconfiguration

Modified Customer Interface URL (if applicable)

N/a


Dev Portal URL

https://www.bankofapis.com/


Test Facility URL

https://bankofapis.com/sandbox


Brand Landing Pages URL


Logo for Mettle  


ASPSP Support Desk Email or Phone Number

(including queries about consent success rates) 

~APIServiceDesk@natwest.com


Key Implementations

High Cost Credit

N/A