Confirmation of funds request
curl --request POST \
--url https://api.example.com/open-banking/v1/funds-confirmations \
--header 'Content-Type: application/json' \
--header 'X-Request-ID: <x-request-id>' \
--data '
{
"account": {
"iban": "DE40100100103307118608",
"bban": "1234567890",
"pan": "5409050000000000",
"maskedPan": "123456xxxxxx1234",
"msisdn": "+49170123456",
"currency": "EUR"
},
"instructedAmount": {
"currency": "EUR",
"amount": "123.50"
},
"cardNumber": "12345678901234",
"payee": "Merchant ABC"
}
'import requests
url = "https://api.example.com/open-banking/v1/funds-confirmations"
payload = {
"account": {
"iban": "DE40100100103307118608",
"bban": "1234567890",
"pan": "5409050000000000",
"maskedPan": "123456xxxxxx1234",
"msisdn": "+49170123456",
"currency": "EUR"
},
"instructedAmount": {
"currency": "EUR",
"amount": "123.50"
},
"cardNumber": "12345678901234",
"payee": "Merchant ABC"
}
headers = {
"X-Request-ID": "<x-request-id>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {'X-Request-ID': '<x-request-id>', 'Content-Type': 'application/json'},
body: JSON.stringify({
account: {
iban: 'DE40100100103307118608',
bban: '1234567890',
pan: '5409050000000000',
maskedPan: '123456xxxxxx1234',
msisdn: '+49170123456',
currency: 'EUR'
},
instructedAmount: {currency: 'EUR', amount: '123.50'},
cardNumber: '12345678901234',
payee: 'Merchant ABC'
})
};
fetch('https://api.example.com/open-banking/v1/funds-confirmations', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.example.com/open-banking/v1/funds-confirmations",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'account' => [
'iban' => 'DE40100100103307118608',
'bban' => '1234567890',
'pan' => '5409050000000000',
'maskedPan' => '123456xxxxxx1234',
'msisdn' => '+49170123456',
'currency' => 'EUR'
],
'instructedAmount' => [
'currency' => 'EUR',
'amount' => '123.50'
],
'cardNumber' => '12345678901234',
'payee' => 'Merchant ABC'
]),
CURLOPT_HTTPHEADER => [
"Content-Type: application/json",
"X-Request-ID: <x-request-id>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.example.com/open-banking/v1/funds-confirmations"
payload := strings.NewReader("{\n \"account\": {\n \"iban\": \"DE40100100103307118608\",\n \"bban\": \"1234567890\",\n \"pan\": \"5409050000000000\",\n \"maskedPan\": \"123456xxxxxx1234\",\n \"msisdn\": \"+49170123456\",\n \"currency\": \"EUR\"\n },\n \"instructedAmount\": {\n \"currency\": \"EUR\",\n \"amount\": \"123.50\"\n },\n \"cardNumber\": \"12345678901234\",\n \"payee\": \"Merchant ABC\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("X-Request-ID", "<x-request-id>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.example.com/open-banking/v1/funds-confirmations")
.header("X-Request-ID", "<x-request-id>")
.header("Content-Type", "application/json")
.body("{\n \"account\": {\n \"iban\": \"DE40100100103307118608\",\n \"bban\": \"1234567890\",\n \"pan\": \"5409050000000000\",\n \"maskedPan\": \"123456xxxxxx1234\",\n \"msisdn\": \"+49170123456\",\n \"currency\": \"EUR\"\n },\n \"instructedAmount\": {\n \"currency\": \"EUR\",\n \"amount\": \"123.50\"\n },\n \"cardNumber\": \"12345678901234\",\n \"payee\": \"Merchant ABC\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.example.com/open-banking/v1/funds-confirmations")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["X-Request-ID"] = '<x-request-id>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"account\": {\n \"iban\": \"DE40100100103307118608\",\n \"bban\": \"1234567890\",\n \"pan\": \"5409050000000000\",\n \"maskedPan\": \"123456xxxxxx1234\",\n \"msisdn\": \"+49170123456\",\n \"currency\": \"EUR\"\n },\n \"instructedAmount\": {\n \"currency\": \"EUR\",\n \"amount\": \"123.50\"\n },\n \"cardNumber\": \"12345678901234\",\n \"payee\": \"Merchant ABC\"\n}"
response = http.request(request)
puts response.read_body{
"fundsAvailable": true
}{
"tppMessages": [
{
"category": "ERROR",
"code": "SERVICE_UNAVAILABLE",
"path": "access.balances",
"text": "The ASPSP server is currently unavailable"
}
],
"_links": {
"scaRedirect": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"scaOAuth": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"confirmation": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisation": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithPsuIdentification": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updatePsuIdentification": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithProprietaryData": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updateProprietaryData": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updatePsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updateAdditionalPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithEncryptedPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updateEncryptedPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updateAdditionalEncryptedPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithAuthenticationMethodSelection": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"selectAuthenticationMethod": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"creditorNameConfirmation": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"self": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"status": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"scaStatus": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"account": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"balances": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"transactions": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"cardAccount": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"cardTransactions": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"transactionDetails": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"first": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"next": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"previous": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"last": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"download": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
}
}
}{
"tppMessages": [
{
"category": "ERROR",
"code": "SERVICE_UNAVAILABLE",
"path": "access.balances",
"text": "The ASPSP server is currently unavailable"
}
],
"_links": {
"scaRedirect": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"scaOAuth": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"confirmation": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisation": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithPsuIdentification": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updatePsuIdentification": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithProprietaryData": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updateProprietaryData": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updatePsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updateAdditionalPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithEncryptedPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updateEncryptedPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updateAdditionalEncryptedPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithAuthenticationMethodSelection": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"selectAuthenticationMethod": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"creditorNameConfirmation": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"self": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"status": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"scaStatus": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"account": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"balances": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"transactions": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"cardAccount": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"cardTransactions": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"transactionDetails": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"first": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"next": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"previous": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"last": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"download": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
}
}
}{
"tppMessages": [
{
"category": "ERROR",
"code": "SERVICE_UNAVAILABLE",
"path": "access.balances",
"text": "The ASPSP server is currently unavailable"
}
],
"_links": {
"scaRedirect": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"scaOAuth": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"confirmation": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisation": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithPsuIdentification": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updatePsuIdentification": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithProprietaryData": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updateProprietaryData": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updatePsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updateAdditionalPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithEncryptedPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updateEncryptedPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updateAdditionalEncryptedPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithAuthenticationMethodSelection": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"selectAuthenticationMethod": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"creditorNameConfirmation": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"self": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"status": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"scaStatus": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"account": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"balances": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"transactions": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"cardAccount": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"cardTransactions": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"transactionDetails": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"first": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"next": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"previous": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"last": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"download": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
}
}
}{
"tppMessages": [
{
"category": "ERROR",
"code": "SERVICE_UNAVAILABLE",
"path": "access.balances",
"text": "The ASPSP server is currently unavailable"
}
],
"_links": {
"scaRedirect": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"scaOAuth": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"confirmation": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisation": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithPsuIdentification": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updatePsuIdentification": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithProprietaryData": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updateProprietaryData": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updatePsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updateAdditionalPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithEncryptedPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updateEncryptedPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updateAdditionalEncryptedPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithAuthenticationMethodSelection": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"selectAuthenticationMethod": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"creditorNameConfirmation": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"self": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"status": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"scaStatus": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"account": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"balances": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"transactions": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"cardAccount": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"cardTransactions": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"transactionDetails": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"first": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"next": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"previous": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"last": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"download": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
}
}
}Confirmation of Funds
Confirmation of funds request
Checks whether funds are available on the PSU’s account for a given amount
POST
/
open-banking
/
v1
/
funds-confirmations
Confirmation of funds request
curl --request POST \
--url https://api.example.com/open-banking/v1/funds-confirmations \
--header 'Content-Type: application/json' \
--header 'X-Request-ID: <x-request-id>' \
--data '
{
"account": {
"iban": "DE40100100103307118608",
"bban": "1234567890",
"pan": "5409050000000000",
"maskedPan": "123456xxxxxx1234",
"msisdn": "+49170123456",
"currency": "EUR"
},
"instructedAmount": {
"currency": "EUR",
"amount": "123.50"
},
"cardNumber": "12345678901234",
"payee": "Merchant ABC"
}
'import requests
url = "https://api.example.com/open-banking/v1/funds-confirmations"
payload = {
"account": {
"iban": "DE40100100103307118608",
"bban": "1234567890",
"pan": "5409050000000000",
"maskedPan": "123456xxxxxx1234",
"msisdn": "+49170123456",
"currency": "EUR"
},
"instructedAmount": {
"currency": "EUR",
"amount": "123.50"
},
"cardNumber": "12345678901234",
"payee": "Merchant ABC"
}
headers = {
"X-Request-ID": "<x-request-id>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {'X-Request-ID': '<x-request-id>', 'Content-Type': 'application/json'},
body: JSON.stringify({
account: {
iban: 'DE40100100103307118608',
bban: '1234567890',
pan: '5409050000000000',
maskedPan: '123456xxxxxx1234',
msisdn: '+49170123456',
currency: 'EUR'
},
instructedAmount: {currency: 'EUR', amount: '123.50'},
cardNumber: '12345678901234',
payee: 'Merchant ABC'
})
};
fetch('https://api.example.com/open-banking/v1/funds-confirmations', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.example.com/open-banking/v1/funds-confirmations",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'account' => [
'iban' => 'DE40100100103307118608',
'bban' => '1234567890',
'pan' => '5409050000000000',
'maskedPan' => '123456xxxxxx1234',
'msisdn' => '+49170123456',
'currency' => 'EUR'
],
'instructedAmount' => [
'currency' => 'EUR',
'amount' => '123.50'
],
'cardNumber' => '12345678901234',
'payee' => 'Merchant ABC'
]),
CURLOPT_HTTPHEADER => [
"Content-Type: application/json",
"X-Request-ID: <x-request-id>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.example.com/open-banking/v1/funds-confirmations"
payload := strings.NewReader("{\n \"account\": {\n \"iban\": \"DE40100100103307118608\",\n \"bban\": \"1234567890\",\n \"pan\": \"5409050000000000\",\n \"maskedPan\": \"123456xxxxxx1234\",\n \"msisdn\": \"+49170123456\",\n \"currency\": \"EUR\"\n },\n \"instructedAmount\": {\n \"currency\": \"EUR\",\n \"amount\": \"123.50\"\n },\n \"cardNumber\": \"12345678901234\",\n \"payee\": \"Merchant ABC\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("X-Request-ID", "<x-request-id>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.example.com/open-banking/v1/funds-confirmations")
.header("X-Request-ID", "<x-request-id>")
.header("Content-Type", "application/json")
.body("{\n \"account\": {\n \"iban\": \"DE40100100103307118608\",\n \"bban\": \"1234567890\",\n \"pan\": \"5409050000000000\",\n \"maskedPan\": \"123456xxxxxx1234\",\n \"msisdn\": \"+49170123456\",\n \"currency\": \"EUR\"\n },\n \"instructedAmount\": {\n \"currency\": \"EUR\",\n \"amount\": \"123.50\"\n },\n \"cardNumber\": \"12345678901234\",\n \"payee\": \"Merchant ABC\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.example.com/open-banking/v1/funds-confirmations")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["X-Request-ID"] = '<x-request-id>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"account\": {\n \"iban\": \"DE40100100103307118608\",\n \"bban\": \"1234567890\",\n \"pan\": \"5409050000000000\",\n \"maskedPan\": \"123456xxxxxx1234\",\n \"msisdn\": \"+49170123456\",\n \"currency\": \"EUR\"\n },\n \"instructedAmount\": {\n \"currency\": \"EUR\",\n \"amount\": \"123.50\"\n },\n \"cardNumber\": \"12345678901234\",\n \"payee\": \"Merchant ABC\"\n}"
response = http.request(request)
puts response.read_body{
"fundsAvailable": true
}{
"tppMessages": [
{
"category": "ERROR",
"code": "SERVICE_UNAVAILABLE",
"path": "access.balances",
"text": "The ASPSP server is currently unavailable"
}
],
"_links": {
"scaRedirect": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"scaOAuth": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"confirmation": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisation": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithPsuIdentification": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updatePsuIdentification": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithProprietaryData": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updateProprietaryData": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updatePsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updateAdditionalPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithEncryptedPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updateEncryptedPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updateAdditionalEncryptedPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithAuthenticationMethodSelection": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"selectAuthenticationMethod": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"creditorNameConfirmation": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"self": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"status": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"scaStatus": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"account": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"balances": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"transactions": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"cardAccount": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"cardTransactions": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"transactionDetails": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"first": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"next": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"previous": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"last": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"download": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
}
}
}{
"tppMessages": [
{
"category": "ERROR",
"code": "SERVICE_UNAVAILABLE",
"path": "access.balances",
"text": "The ASPSP server is currently unavailable"
}
],
"_links": {
"scaRedirect": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"scaOAuth": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"confirmation": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisation": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithPsuIdentification": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updatePsuIdentification": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithProprietaryData": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updateProprietaryData": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updatePsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updateAdditionalPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithEncryptedPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updateEncryptedPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updateAdditionalEncryptedPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithAuthenticationMethodSelection": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"selectAuthenticationMethod": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"creditorNameConfirmation": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"self": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"status": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"scaStatus": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"account": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"balances": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"transactions": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"cardAccount": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"cardTransactions": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"transactionDetails": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"first": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"next": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"previous": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"last": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"download": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
}
}
}{
"tppMessages": [
{
"category": "ERROR",
"code": "SERVICE_UNAVAILABLE",
"path": "access.balances",
"text": "The ASPSP server is currently unavailable"
}
],
"_links": {
"scaRedirect": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"scaOAuth": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"confirmation": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisation": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithPsuIdentification": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updatePsuIdentification": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithProprietaryData": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updateProprietaryData": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updatePsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updateAdditionalPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithEncryptedPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updateEncryptedPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updateAdditionalEncryptedPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithAuthenticationMethodSelection": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"selectAuthenticationMethod": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"creditorNameConfirmation": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"self": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"status": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"scaStatus": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"account": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"balances": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"transactions": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"cardAccount": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"cardTransactions": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"transactionDetails": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"first": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"next": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"previous": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"last": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"download": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
}
}
}{
"tppMessages": [
{
"category": "ERROR",
"code": "SERVICE_UNAVAILABLE",
"path": "access.balances",
"text": "The ASPSP server is currently unavailable"
}
],
"_links": {
"scaRedirect": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"scaOAuth": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"confirmation": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisation": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithPsuIdentification": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updatePsuIdentification": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithProprietaryData": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updateProprietaryData": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updatePsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updateAdditionalPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithEncryptedPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updateEncryptedPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"updateAdditionalEncryptedPsuAuthentication": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"startAuthorisationWithAuthenticationMethodSelection": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"selectAuthenticationMethod": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"creditorNameConfirmation": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"self": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"status": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"scaStatus": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"account": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"balances": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"transactions": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"cardAccount": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"cardTransactions": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"transactionDetails": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"first": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"next": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"previous": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"last": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
},
"download": {
"href": "/v1/payments/sepa-credit-transfers/1234-payment-567"
}
}
}Headers
ID of the consent resource. Shall be provided if the consent was established through the consent process
ID of the request, unique to the call, as determined by the initiating party
Body
application/json
Confirmation of funds request body
PSU's account number
Show child attributes
Show child attributes
Transaction amount to be checked
Show child attributes
Show child attributes
Card number of the card issued by the PIISP
Maximum string length:
35Example:
"12345678901234"
The merchant where the card is accepted
Maximum string length:
70Example:
"Merchant ABC"
Response
Confirmation of funds request was correctly performed
Equals true if sufficient funds are available at the time of the request, false otherwise
Example:
true
Last modified on April 17, 2026
⌘I