Direct Debits v2.0.0
Version Control
| Version | Date | Author | Comments |
|---|---|---|---|
| 2.0-rc2 | Open Banking Read/Write API Team | This is the first Release Candidate with Split from One Page Specification.
| |
| 2.0-rc3 | Open Banking Read/Write API Team | This is the initial version for release candidate 3 Updates:
| |
| 2.0.0 | Open Banking Read/Write API Team | This is the baseline version. No changes from v2.0-rc3. |
Endpoints
Endpoints for the resource - and available methods.
| Resource | HTTP Operation | Endpoint | Mandatory? | Scope | Grant Type | Idempotent | Parameters | Request Object | Response Object | |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | direct-debits | GET | GET /accounts/{AccountId}/direct-debits | Conditional | accounts | Authorization Code | OBReadDirectDebit1 | |||
| 2 | direct-debits | GET | GET /direct-debits | Optional | accounts | Authorization Code | Pagination | OBReadDirectDebit1 |
GET /accounts/{AccountId}/direct-debits
An ASPSP must provide this endpoint for AISPs to retrieve the direct-debits for a specific account identified by AccountId.
GET /direct-debits
An ASPSP may provide this endpoint for AISPs to retrieve direct-debits for all accounts that the PSU has consented to. This will retrieve the direct-debit resources for all authorised accounts linked to the account-request.
Data Model
Resource Definition
A resource that contains a set of elements that describes the list of direct-debits that have been set up on a specific account (AccountId).
An account (AccountId) may have no direct debits set up, or may have multiple direct debits set up.
UML Diagram
Data Dictionary
| Name | Occurrence | XPath | EnhancedDefinition | Class | Codes | Pattern |
|---|---|---|---|---|---|---|
| OBReadDirectDebit1 | OBReadDirectDebit1 | OBReadDirectDebit1 | ||||
| Data | 1..1 | OBReadDirectDebit1/Data | OBReadDataDirectDebit1 | |||
| DirectDebit | 0..n | OBReadDirectDebit1/Data/DirectDebit | Account to or from which a cash entry is made. | OBDirectDebit1 | ||
| AccountId | 1..1 | OBReadDirectDebit1/Data/DirectDebit/AccountId | A unique and immutable identifier used to identify the account resource. This identifier has no meaning to the account owner. | Max40Text | ||
| DirectDebitId | 0..1 | OBReadDirectDebit1/Data/DirectDebit/DirectDebitId | A unique and immutable identifier used to identify the direct debit resource. This identifier has no meaning to the account owner. | Max40Text | ||
| MandateIdentification | 1..1 | OBReadDirectDebit1/Data/DirectDebit/MandateIdentification | Direct Debit reference. For AUDDIS service users provide Core Reference. For non AUDDIS service users provide Core reference if possible or last used reference. | Max35Text | ||
| DirectDebitStatusCode | 0..1 | OBReadDirectDebit1/Data/DirectDebit/DirectDebitStatusCode | Specifies the status of the direct debit in code form. | OBExternalDirectDebitStatus1Code | Active Inactive | |
| Name | 1..1 | OBReadDirectDebit1/Data/DirectDebit/Name | Name of Service User. | Max70Text | ||
| PreviousPaymentDateTime | 0..1 | OBReadDirectDebit1/Data/DirectDebit/PreviousPaymentDateTime | Date of most recent direct debit collection. | ISODateTime | ||
| PreviousPaymentAmount | 0..1 | OBReadDirectDebit1/Data/DirectDebit/PreviousPaymentAmount | The amount of the most recent direct debit collection. | ActiveOrHistoricCurrencyAndAmount | ^\d{1,13}\.\d{1,5}$ | |
| Currency | 1..1 | OBReadDirectDebit1/Data/DirectDebit/ PreviousPaymentAmount/Currency | A code allocated to a currency by a Maintenance Agency under an international identification scheme, as described in the latest edition of the international standard ISO 4217 "Codes for the representation of currencies and funds". | ActiveOrHistoricCurrencyCode | ^[A-Z]{3,3}$ |
Usage Examples
Specific Account
Request
Get Accounts Direct Debits Request
GET /accounts/22289/direct-debits HTTP/1.1 Authorization: Bearer Az90SAOJklae x-fapi-financial-id: OB/2017/001 x-fapi-customer-last-logged-time: Sun, 10 Sep 2017 19:43:31 UTC x-fapi-customer-ip-address: 104.25.212.99 x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d Accept: application/json
Response
Get Accounts Direct Debits Response
HTTP/1.1 200 OK
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json
{
"Data": {
"DirectDebit": [
{
"AccountId": "22289",
"DirectDebitId": "DD03",
"MandateIdentification": "Caravanners",
"DirectDebitStatusCode": "Active",
"Name": "Towbar Club 3 - We Love Towbars",
"PreviousPaymentDateTime": "2017-04-05T10:43:07+00:00",
"PreviousPaymentAmount": {
"Amount": "0.57",
"Currency": "GBP"
}
}
]
},
"Links": {
"Self": "https://api.alphabank.com/open-banking/v2.0/accounts/22289/direct-debits/"
},
"Meta": {
"TotalPages": 1
}
}
Bulk
Request
Get Direct Debits Request
GET /direct-debits HTTP/1.1 Authorization: Bearer Az90SAOJklae x-fapi-financial-id: OB/2017/001 x-fapi-customer-last-logged-time: Sun, 10 Sep 2017 19:43:31 UTC x-fapi-customer-ip-address: 104.25.212.99 x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d Accept: application/json
Response
Get Direct Debits Response
HTTP/1.1 200 OK
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json
{
"Data": {
"DirectDebit": [
{
"AccountId": "22289",
"DirectDebitId": "DD03",
"MandateIdentification": "Caravanners",
"DirectDebitStatusCode": "Active",
"Name": "Towbar Club 3 - We Love Towbars",
"PreviousPaymentDateTime": "2017-04-05T10:43:07+00:00",
"PreviousPaymentAmount": {
"Amount": "0.57",
"Currency": "GBP"
}
},
{
"AccountId": "31820",
"DirectDebitId": "DD77",
"MandateIdentification": "Golfers",
"DirectDebitStatusCode": "Active",
"Name": "Golf Club",
"PreviousPaymentDateTime": "2017-05-06T09:00:00+00:00",
"PreviousPaymentAmount": {
"Amount": "22.30",
"Currency": "GBP"
}
}
]
},
"Links": {
"Self": "https://api.alphabank.com/open-banking/v2.0/direct-debits/"
},
"Meta": {
"TotalPages": 1
}
}
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