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Title | Requirement | Calculation | Benchmark |
API performance | Daily average time (in milliseconds) taken, per request, for the LFI to provide the TPP via the OFP with all the requested information for the following API endpoints: Bank Data GET /account-access-consents GET /accounts GET /accounts/{AccountID}/balances GET /accounts/{AccountID}/beneficiaries GET /accounts/{AccountID}/consents GET /accounts/{AccountID}/direct-debits GET /accounts/{AccountID}/parties GET /accounts/{AccountID}/product GET /accounts/{AccountID}/scheduled-payments GET /accounts/{AccountID}/standing-orders GET /accounts/{AccountID}/transactions Bank Service Initiation GET /payment-consents GET /payment-consents{ConsentId} GET /payment-consents{ConsentId}/refund POST /payment-consents/{ConsentId}/file PATCH /payment-consents{ConsentId} GET /payments/{PaymentId} POST /payments HEAD /payments GET /file-payments/{PaymentId} POST /file-payments HEAD /file-payments GET /file-payments/{PaymentId}/report Confirmation of Payee POST /confirmation POST /discovery Insurance GET /insurance-consents GET /insurance-consents{ConsentId} PATCH /insurance-consents{ConsentId} GET /insurance-policies GET /insurance-policies/{InsurancePolicyId} | For every 24 hours (from 00:00:00 to 23:59:59 every day), the average API response time will be calculated in milliseconds (ms) for each API endpoint as follows: Avg = T / V Where: Avg = average API response time in ms T = total API response time in ms for all API calls for each API endpoint in a given day V = total volume of API calls for each API endpoint in a given day The benchmark will be apportioned in an equal split between the OFP and the LFI, subject to amendment in a future version of the Standard. API response time is measured as the Time to Last Byte (TTLB) for each API endpoint, defined as the period in ms from when the LFI receives the API endpoint request from the OFP until the requesting TPP gets all the data in the response message via the OFP. The response time will include the time it takes for any checks that the LFI may choose to make on the authorization/registration of TPPs. This MAY include validation of the access token, validation of the request payload, authentication/validation of the request, etc. The response time will not include the time the User takes to complete any authentication process. | Service Initiation An average TTLB of 500ms per response across all service initiation APIs, excluding batch/file payments. Bank Data An average TTLB of 500ms per response across all bank data APIs, or per page of up to 100 records for large datasets. |
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