Page Comparison

Title

Requirement

Calculation

Benchmark

Availability of the API

The percentage uptime of the API, calculated as 100% minus the percentage downtime for each day

For every 24 hours (from 00:00:00 to 23:59:59 every day), we calculate 100% minus the total percentage downtime in that period.

Downtime will be calculated as follows:

• The total number of concurrent seconds per API calls per 24-hour period, starting and ending at midnight, that any element of the API interface is not available divided by 86,400 (the number of seconds in 24 hours) and expressed as a percentage.

• The clock for downtime will start immediately after the first 'failed' API request or response has been logged and will stop once a 'successful' API response has been logged. In addition, any unexpected connectivity issues causing the LFI not to be able to receive any API calls from the OFP will also be measured as downtime.

Downtime will be measured if:

• The OFP authorization and/or resource server is not fully accessible and accepting all valid TPP requests.

• Any LFI downstream system required to support these API endpoints is also not responding in a way that affects the availability of the OFP authorization and/or resource servers.

• Any of the LFI screens and/or functionality of the customer authentication flow is unavailable to enable customers to grant TPPs access to their account(s).

• This will include all 5xx errors.

• Errors based on 4xx HTTP status codes are mainly attributable to TPP or User actions or failures and hence will not be included in the calculation.

• This will include both planned and unplanned downtime during each day.

• Even if this only affects some TPPs and/or customers, downtime will still be reported, i.e., partial downtime will still be measured as downtime.

• This will be attributed to the LFI for any vendor/supplier failures if the LFI has contracted the vendor/supplier to deliver a related service, e.g., the LFI's hosting provider or any Certificate Authority (CA) the LFI has selected for their certificates.

However, this will exclude errors resulting from issues outside the LFI and OFP’s direct control, such as issues with TPP software, infrastructure, or connectivity.

Uptime of 99.5%.

This allows for just under four hours per month of downtime to cover planned releases, updates, and unplanned downtime.

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.