Open Banking Payment Initiation

Open Banking Payment Initiation

This API provides the ability for authorised payment initiation service providers (PISPs, TPPs – third party providers) to initiate and set up new domestic, international , international scheduled and file based payments. The TPPs will be able to initiate requests directly from the customer’s (PSU- payment service user) current - personal or business - accounts, after being granted consent. Within Domestic Payments, Faster and CHAPS immediate payments can be initiated. This API is developed according to the Open Banking Read/Write API Specifications and fulfils PSD2 regulation, see https://www.openbanking.org.uk


Key Features:

  • Domestic payments (in GBP)
  • Domestic scheduled payments (in GBP)
  • Domestic standing orders (in GBP)
  • International payments
  • International scheduled payments
  • File payments (Domestic payments in GBP, File Status & Report File)

New in this version:

Scheduled International Payments:

All instructions will be setup through the chosen and authorised third party provider for a specific amount, to a specific payee, on a specific future and initiated and executed by Santander.

DestinationCountryCode is required to be submitted on a request. NCCCode and NCCIdentification are available for several country destinations, where a National Clearing Code (NCC) can be indicated for routing in addition to a Mandatory BIC, and for payments to USA an NCC (Fedwire) can optionally be specified instead of a BIC if the transfer currency is USD.

Country NCCCode NCCIdentification Fixed Length NCCIdentificationCharacter Type
AustraliaAUBSB 6 N
Canada CACPA9 N
Hong Kong HKNCC3 N
India INFSC11 A
New Zealand NZNCC6 N
Russia RUCBC9 N
South Africa ZANCC6 N
United State USABA9 N

N -Numeric Characters only

A - Alphanumeric characters permitted

Supported currencies that are available to process an international payment are:

AED AUD CAD CHF CZK DKK EUR GBP

HKD HUF ILS INR JPY MAD MXN NOK

NZD PHP PLN SEK SGD THB USD ZAR

International Scheduled payment requests to Santander UK will be processed in alignment with existing operational cut off times during business days. Any payments that are submitted outside of these hours will be processed on the next business day. If the requested execution date is not a working day, then it will be executed on the following working day. Cancellation of the payment scheduled via Open Banking can be actioned via the online service.


Not in this version:

Domestic Payments

Santander do not support the object "Authorisation" for the domestic-payment-consents endpoint. If a PISP consent request is received with this object, it will be rejected as a HTTP 400 BAD request.

International Payments

Santander do not support "InstructionPriority" for the international-payment-consents endpoint. If a PISP consent request is received with this, it will be rejected as a HTTP 400 BAD request.

Santander only support DebtorAccount/SchemeName equal to UK.OBIE.SortCodeAccountNumber or SortCodeAccountNumber for the international-payment-consents endpoint, when populated in the request. If a PISP consent request is received with a different DebtorAccount/SchemeName, (or with a DebtorAccount structure but the SchemeName value = NULL), it will be rejected as a HTTP 400 BAD request.

Santander only support a CreditorAgent/SchemeName of UK.OBIE.BICFI or BICFI for the international-payment-consents endpoint. If a PISP consent request is received with a different CreditorAgent/SchemeName, (or with UK.OBIE.BICFI or BICFI but further validations are not passed), it will be rejected as a HTTP 400 BAD request. A request for sending USD to US can provide the NCCCode and NCCIdentification in SupplementaryData instead of the CreditorAgent SchemeName and Identification (see below).

Santander only support an international payment request where the CreditorAccount/SchemeName is UK.OBIE.IBAN or UK.Santander.OtherAccount (or IBAN or OtherAccount) for the international-payment-consents endpoint. If a PISP consent request is received with a different CreditorAccount/SchemeName it will be rejected as a HTTP 400 BAD request.

Please note that customers executing an international payment will not have visibility of personalised charges/final charges and exchange rates until the requested payment has been executed by Santander UK.

Execution of any SEPA payments for Corporate customers is not available.

File Payments

Santander only supports Bulk Faster Payment File processing (1 debit for multiple credit payments) for SBBI & Corporate Business Customers. OB File Payments processing is not supported for Retail Santander customers (including Cahoot).

Santander will only support payment files uploaded in the 'UK.OBIE.PaymentInitiation.3.1' format. Any other type of file format uploaded will result in the file being rejected.

Santander will only accept domestic payments specified in the PaymentInitiation file that will be processed via faster payment scheme. The payments will need to have the LocalInstrument value set to ‘UK.OBIE.FPS’. Any other payment type will result in the file being rejected.

Santander does not currently support scheduled payments for domestic file payments processing.

Santander does not currently support multi-auth processing for BULK faster payments file processing.

Santander will not currently provide individual payment status details in the report-file for BULK file payments.

Scheduled International Payments

Santander do not support "InstructionPriority" for the scheduled-international-payment-consents endpoint. If a PISP consent request is received with this, it will be rejected as a HTTP 400 BAD request.

Santander only support DebtorAccount/SchemeName equal to UK.OBIE.SortCodeAccountNumber or SortCodeAccountNumber for the international-payment-consents endpoint, when populated in the request. If a PISP consent request is received with a different DebtorAccount/SchemeName, (or with a DebtorAccount structure but the SchemeName value = NULL), it will be rejected as a HTTP 400 BAD request.

Santander only support a CreditorAgent/SchemeName of UK.OBIE.BICFI or BICFI for the international-payment-consents endpoint. If a PISP consent request is received with a different CreditorAgent/SchemeName, (or with UK.OBIE.BICFI or BICFI but further validations are not passed), it will be rejected as a HTTP 400 BAD request. A request for sending USD to US can provide the NCCCode and NCCIdentification in SupplementaryData instead of the CreditorAgent SchemeName and Identification (see below).

Santander only support an scheduled international payment request where the CreditorAccount/SchemeName is UK.OBIE.IBAN or UK.Santander.OtherAccount (or IBAN or OtherAccount) for the scheduled-international-payment-consents endpoint. If a PISP consent request is received with a different CreditorAccount/SchemeName it will be rejected as a HTTP 400 BAD request.

Please note that customers executing an scheduled international payment will not have visibility of personalised charges/final charges and exchange rates until the requested payment has been executed by Santander UK.

Santander does not support the ‘SCASupportData’ data object. If a PISP consent request is received with this, it will be rejected as a HTTP 400 BAD request.

Santander does not support the ‘ReadRefundAccount’ field or refund related endpoints. If a PISP consent request is received with this, it will be rejected as a HTTP 400 BAD request.

Santander is also not implementing the new creditorAgent schemeName enum UK.OBIE.NCC.XX. If a PISP consent request is received with this, it will be rejected as a HTTP 400 BAD request.

Santander does not support the ‘OBWriteInternationalScheduledConsent5/Data/Authorisation structure. If a PISP consent request is received with Authorisation present, it will be rejected as a HTTP 400 BAD request.


What can you do?

  1. Register an intent to setup a payment instruction.
  2. Optionally confirm available funds for the specific instruction (domestic payments only)
  3. Subsequently submit the payment instruction for processing
  4. Optionally retrieve the status of a payment setup or submission

Who can have access to the API?

Access to the Payment Initiation Service API is limited to approved/authorised PISPs. Approval and authorisation is managed by the Financial Conduct Authority in the UK (FCA, see https://www.fca.org.uk/) and other relevant competent authorities across the EU. Approved/Authorised organisations should then be enrolled to use the Open Banking Directory. By successfully accomplishing these prerequisites, a PISP will obtain the necessary digital identities and certificates which enable organisations to securely connect and communicate via the Open Banking Security Profile (OIDC) in a standard manner and to best protect all parties within the Open Banking ecosystem.

API Documention

Payment Initiation V3

3.1.19
Reference documentation Download swagger spec

Contact

Name: Support Mailbox Email: openbankingAPI@santander.co.uk
Default Planlock
Rate limits: 200 per minute
Burst limits: 10 per second
... to use this plan
Show all plan details
ActionPathCall Rate
POST /domestic-payment-consents 2 rate limits *
GET /domestic-payment-consents/{consent_id} 2 rate limits *
GET /domestic-payment-consents/{consent_id}/funds-confirmation 2 rate limits *
POST /domestic-payments 2 rate limits *
GET /domestic-payments/{domestic_payment_id} 2 rate limits *
POST /domestic-scheduled-payment-consents 2 rate limits *
GET /domestic-scheduled-payment-consents/{consent_id} 2 rate limits *
POST /domestic-scheduled-payments 2 rate limits *
GET /domestic-scheduled-payments/{domestic_scheduled_payment_id} 2 rate limits *
POST /domestic-standing-order-consents 2 rate limits *
GET /domestic-standing-order-consents/{consent_id} 2 rate limits *
POST /domestic-standing-orders 2 rate limits *
GET /domestic-standing-orders/{domestic_standing_order_id} 2 rate limits *
POST /international-payment-consents 2 rate limits *
GET /international-payment-consents/{consent_id} 2 rate limits *
GET /international-payment-consents/{consent_id}/funds-confirmation 2 rate limits *
POST /international-payments 2 rate limits *
GET /international-payments/{international_payment_id} 2 rate limits *
POST /file-payment-consents 2 rate limits *
GET /file-payment-consents/{consent_id} 2 rate limits *
POST /file-payment-consents/{consent_id}/file 2 rate limits *
GET /file-payment-consents/{consent_id}/file 2 rate limits *
POST /file-payments 2 rate limits *
GET /file-payments/{file_payment_id} 2 rate limits *
GET /file-payments/{file_payment_id}/report-file 2 rate limits *

Use this API

To use this API, you must be registered for Production access in the Open banking Directory.