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What's new?

New functionality has and specifications have been added in relation to the following:

  • Business rules and API specifications for International Payments. Please be aware that the current API specification does not allow for a TPP to access an FX rate prior to the user authentication. Although this functionality is included in the business rules for now, its implementation is under consideration and subject to further industry engagement.

  • Business rules and data model for retail motor insurance use cases.

  • Centralized (Federated) Authentication and AuthorizationInsurance API description that fulfils the data sharing requirements for motor insurance policies.

  • Pushed Authorization Request Endpoint description that provides details of the Rich Authorization Request Schema Objects used to initiate User authentication and authorization.

What’s changed ?

Since the previous draft, the following elements functionality and specifications have been updated:

  • Business rule changes to support Variable Beneficiaries for Multi-Payments.

  • Consent States - How consent moves between these states in its lifecycle.

  • We have redacted Decoupled CIBA as an Authentication/Authorization ModelBank Data Sharing API description includes the /parties endpoint to provide details of the User as held by the LFI.

  • Bank Service Initiation API description includes the Refunds endpoint and consent flag that allows debtor account details to be retrieved.

  • Bank Service Initiation API description includes the Bulk/Batch payments operations that allows TPPs to submit a file of payment instructions to an LFI via the OFP.

  • Bank Service Initiation API description references Aani codes rather than ISO 20022 for the property PaymentPurposeCode.

  • Bank Data Sharing and Bank Service Initiation API descriptions have been amended to include a standardised prefix of “AE” for Schema Object names.

  • API description pages have been renamed from “Swagger Documentation” to “OpenAPI Documentation” to provide the correct name of the API description language used.

What's to come?

Future drafts will include some/all of the following functionality :

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Refunds functionality

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Fast-track Single Immediate Payments

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Request to Pay

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Enhanced Product data

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Balance Checks

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Delegated Authentication

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and specifications: