Version Control

Version	Date	Author	Comments
3.0-draft1	18-Apr-2018	OB R/W API Team	Initial draft for Version 3.0
3.0-draft4	29 May 2018	OB R/W API Team	UML diagram update for Amount field, and data dictionary update to reflect UML diagram update. Clarified use of Idempotency Key in endpoint table.
3.0-draft5	13 Jun 2018	OB R/W API Team	Updated examples to change UTC to GMT to be in line with https://tools.ietf.org/html/rfc7231#page-66
3.0-draft6/rc1	27 Jun 2018	OB R/W API Team	Draft6 Changes: For consistency - added a Permission Codes section to clarify expected behaviour.
3.0-draft7	17 Jul 2018	OB R/W API Team	No Change
3.0-RC2	19 Jul 2018	OB R/W API Team	No Change
3.0-RC3	06 Aug 2018	OB R/W API Team	No Change
3.0	07 Sep 2018	OB R/W API Team	This is the baseline version. No change from RC3.

Endpoints

Endpoints for the resource - and available methods.

	Resource	HTTP Operation	Endpoint	Mandatory?	Scope	Grant Type	Idempotency Key	Parameters	Request Object	Response Object
1	direct-debits	GET	GET /accounts/{AccountId}/direct-debits	Conditional	accounts	Authorization Code	No			OBReadDirectDebit1
2	direct-debits	GET	GET /direct-debits	Optional	accounts	Authorization Code	No	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

Permission Codes

The resource requires the ReadDirectDebits permission. The resource response payload does not differ depending on the permissions granted.

Data Dictionary

Name	Occurrence	XPath	EnhancedDefinition	Class	Codes
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.	OBActiveOrHistoricCurrencyAndAmount
Amount	1..1	OBReadDirectDebit1/Data/DirectDebit/PreviousPaymentAmount/Amount	A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217.	ActiveCurrencyAndAmount_SimpleType
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 GMT
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