Here you find Questions & Answers to PSD2 API related topics.
Accounts
Q: Why is the accountlist for a paymentserviceuser empty?
A: If the payment service user does not have power of attorney of any payment accounts in the web bank, then the account list will be empty.
Q: How can I see the accountholder name?
A: You must create a consent with "allAccountsWithOwnerName". See ConsentApi.
Q: Why is one or more accounts not appearing in the account list?
A: If the PSU can see the account in the accountlist in MobileBank or WebBank, contact the bank to check if the account is categorized as a payment account.
Q: Why does the account balance not match the balance received after the latest transaction?
A: Please note the difference between the 2 balance types: "interimAvailable" and "forwardAvailable" - see yaml file for Account.
Certificates/Onboarding
Q: Can we use more than one TPP callback uri?
A: Yes
Q: Can we change/add another callback uri to our existing app?
A: Yes. Contact our support to add/remove a callback uri.
Consent
Q: Can a PSU restrict access to specific accounts when giving consent?
A: Our PSD2 APIs only support "Global Consent", this applies to all current and future PSU paymentaccounts.
Payments
Q: Why has a payment been rejected?
A: Due to client confidentiality we can not answer that question. You must ask the PSU to contact the bank.
Q: Why is an instant payment rejected instantly after PSU signed the payment?
A: An instant payment cannot be pending and will therefore immediately be rejected e.g if daily limit is exceeded or if there are insufficient funds.
Q: What are the cutoff hours for each payment type?
A: The cutoff hours for each payment type can be individual for each bank, but are often as follows:
- domestic credit transfers: 22:30
- instant domestic credit transfers: (no cutoff)
- intraday domestic credit transfers: 12:30
- domestic paymentslip: 20:00
- sepa credit transfers : (individual)
- cross border credit transfers: (individual)
Q: Why does a payment have status "Pending" (PNDG) ?
A: Due to client confidentiality, reasons for pending payments are not available through the API. We recommend that the PSU contacts the bank directly to clarify the root cause.
Transactions
Q: How far back can we request transaction history?
A: Directly after a PSU has given consent and signed with strong customer authentication, transaction history as far back as wanted can be retrieved as the PSU is present.
Afterwards, the transaction history is limited to 90 days, because you call with consent id and the PSU is not present.