How Does A Receiving LFI Identify Open Finance Payments?

Date

Oct 28, 2024

Response

The CreditorReference in the POST /payments is passed to Aani as part of payment initiation, and has a structured format

The structured pattern for this CreditorReference field is:

"^TPP=[0-9a-f]{8}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{12},BIC=[A-Z0-9]{4}[A-Z0-9]{2}[A-Z0-9]{2}([A-Z0-9]{3}){0,1}($|,.+$)"

Receiving LFIs are able to parse this CreditorReference field for the structured reference to identify Open Finance payments.