Access to Environments
Ikano Bank AB Denmark
|Launch date||10 September 2021|
Ikano Denmark Sandbox BG
|Creation date||10 March 2020|
Test credentials (Oauth)
One Time Code
|Authorisation||The XS2A API will allow an ASPSP to implement OAuth2 as a support for the authorisation of the PSU towards the TPP for the payment initiation and/or account information service. In this case, the TPP will be the client, the PSU the resource owner and the ASPSP will be the resource server in the abstract OAuth2 model.|
|Consent||A range of rules on security, providing access to accounts, and enabling traceability and the mitigation of fraud risks.|
|Provider||Represents the ASPSP. A bank or financial institution that offer payment accounts with online access.|
|TPP||A third party provider application.|
|Customer||A bank account holder. The end-user of payment services.|
|AISP||Account Information Service Provider. A Client application that allows a Customer to list account and holder information.|
|Session||Any activity that is forwarded by Salt Edge PSD2 Compliance on behalf of a Customer.|
|Scopes||A set of permissions granted to a TPP application.|
|SCA||Strong Customer Authentication using Salt Edge Authenticator.|
The process of TPP registration is made via an API request to TPP Register endpoint. In order to access Provider Sandbox you need to use eIDAS QSEAL test certificate.
Access to production environment is allowed only with production QSEAL certificates. It is possible to add a QSEAL or QWAC certificate via API request to TPP Certficate endpoint.
After adding a certificate, the registered TPP will have assigned a set of scopes based on the provided certificate.
I.e. AISP certificate will result in account, transactions, kyc scopes, while a PISP certificate will result in payments, funds_availability scopes. The available scopes can be seen when creating an TPP Application.
The table below describes the list of all API endpoints available at Salt Edge PSD2 Compliance Solution. The endpoints are based on NextGenPSD2 Framework version 1.3.6. also known as BerlinGroup Standard. BerlinGroup endpoints are name-spaced after selected provider_code. Ex: for Ikano Bank AB Denmark, the endpoints will start with /ikano-dk-prod/api...
|/v1/accounts/refresh||POST||This endpoint is responsible for starting the process of refreshing account information data on Salt Edge PSD2 Compliance Solution side. Due to asynchronous nature of this action, TPP has to poll the status of this process using
|/v1/accounts/refresh/status||GET||This endpoint is responsible for returning the current status of fetching account information process.|
|/v1/aspsps/product_templates||GET||Used by TPP for obtaining the list of payment products which support NextGenPSD2 standard.|
|/v1/card-accounts/:account_id/balances||GET||Reads balance data from a given card account addressed by account-id.|
|/v1/card-accounts||GET||Reads a list of card accounts with additional information, e.g. balance information. It is assumed that a consent of the PSU to this access is already given and stored on Salt Edge Compliance system. The addressed list of card accounts depends on the PSU ID and the stored consent addressed by consentId.|
|/v1/card-accounts/:account_id||GET||Reads details about a card account. It is assumed that a consent of the PSU to this access is already given and stored on the Salt Edge Compliance system. The addressed details of this account depends on the stored consent addressed by consentId.|
|/v1/card-accounts/:account_id/transactions||GET||Read transaction reports or transaction lists of a given card account addressed by account-id.|
|/v1/consents/:consent_id/authorisations/:authorisation_id||GET||This method returns the SCA status of a consent initiation's authorisation subresource.|
|/v1/consents||POST||This method creates a consent resource, defining access rights to dedicated accounts of a given PSU-ID. These accounts are addressed explicitly in the method as parameters as a core function.|
|/v1/consents/:consent_id||DELETE||This method deletes a consent.|
|/v1/consents/:consent_id||GET||Returns the content of an account information consent object. This returns the data for the TPP especially in cases, where the consent was directly managed between ASPSP and PSU e.g. in a redirect SCA Approach.|
|/v1/consents/:consent_id/status||GET||Read the status of an account information consent resource.|
|/v1/tpp/certificates||POST||Used for adding certificate. After action, you will receive a letter of confirmation on your representative email.|
|/v1/tpp/register||POST||Used for registration in Salt Edge PSD2 Compliance Dashboard. After registration, you will receive a letter of confirmation on your representative email.|
|payments||grants TPP right to initiate payment orders on behalf of Customer|
|accounts||grants TPP access to Customer's accounts data|
|transactions||grants TPP access to transactions which belong to Customer's account|
|kyc||grants TPP access to view Customer's KYC data|
|funds_availability||grants TPP right to check availability of funds under specific account which belongs to Customer|
During any request or flow originating either on TPP or Salt Edge PSD2 Compliance side, a number of errors may appear. In order to standardize errors while still giving some degree of freedom in explaining an error callback, parameters should include both error_text and error_code. Error message serves the purpose of communicating the issue to the Customer, whereas error class should be used by TPPs in order to be able to handle various scenarios.
Contents of the error_code are entirely up to the Provider, they may even be localized. However, values sent within error_text parameter should be from the standardized list. This list may and will be extended over time.
|ServiceInvalid||400||Something went wrong on Provider(ASPSP) side.|
|FormatError||400||Invalid input. More info in
|ConsentInvalid||401||The consent was created by this TPP but is not valid for the addressed service/resource.|
|ConsentUnknown||401||The Consent-ID cannot be matched by the ASPSP relative to the TPP.|
|CertificateMissing||401||This request cannot be performed without
|CertificateInvalid||401||Given certificate is invalid.|
|SignatureMalformed||401||Given signature is malformed.|
|SignatureMissing||401||This request cannot be performed without
|SignatureInvalid||401||Given signature is invalid.|
|ConsentExpired||401||The consent was created by this TPP but has expired and needs to be renewed.|
|AccessDenied||403||Action you want to perform is not allowed. More in
|ProductInvalid||403||The payment product is not supported by the addressed service/resource.|
|ResourceUnknown||404||The addressed resource is unknown relative to the TPP.|
|ProductUnknown||404||The payment product wasn't found.|
|CancellationInvalid||405||The addressed payment is not cancellable e.g. due to cut off time passed or legal constraints.|
|AccessExceeded||429||Exceeded the number of requests for this action.|