Create SCT payment

POST 
/v1/payments/sepa-credit-transfers

See XS2A Framework Implementation Guidelines, Section 5.3.1 and 11.1 for additional details.

Sample Request Body

  "instructedAmount": {
    "amount": "100.33",
    "currency": "EUR"
  },
  "creditorName": "Company 123",
  "creditorAccount": {
    "iban": "DE89 3704 0044 0532 0130 00",
    "currency": "EUR"
  },
  "debtorAccount": {
    "iban": "NO95360573002",
    "currency": "NOK"
  }
}

Request

Query Parameters

allowLogicalDuplicate boolean
Advertises whether or not logical duplicate payments should be allowed.
Example: true

Header Parameters

x-accept-fix stringrequired
Make a published future breaking change active before the date when it is going to be made default, for adopting changes early. (see Future Breaking Changes)
Example: new-feature-name-as-publised-in-documentation
Accept string
Advertises which content types, expressed as MIME types, the client is able to understand. Using content negotiation, the server then selects one of the proposals, uses it and informs the client of its choice with the Content-Type response header.
Example: application/json
Accept-Charset string
Advertises which character set the client is able to understand. Using content negotiation, the server then selects one of the proposals, uses it and informs the client of its choice within the Content-Type response header.
Example: utf-8
Accept-Encoding string
Advertises which content encoding, usually a compression algorithm, the client is able to understand. Using content negotiation, the server selects one of the proposals, uses it and informs the client of its choice with the Content-Encoding response header.
Example: deflate, gzip;q=1.0, *;q=0.5
Accept-Language string
Advertises which natural languages the client is able to understand, and which locale variant is preferred. Using content negotiation, the server then selects one of the proposals, uses it and informs the client of its choice with the Content-Language response header.
Example: en-US,en;q=0.7,nb;q=0.3
Host string
The domain name of the server (for virtual hosting), and (optionally) the TCP port number on which the server is listening.
Example: openbanking.spareskillingsbanken.no
X-Request-ID stringrequired
Request identifier, unique to the call, as determined by the TPP.
Example: 4eba4445-1a4b-47b8-bdd5-4e56ef026b19
TPP-Session-ID stringrequired
TPP session identifier.
Example: b29f79d9-12ea-462b-ad8a-8ad38b8c57b7
TPP-Redirect-URI stringrequired
URI of the TPP, where the transaction flow shall be redirected to after a Redirect.
Example: https://httpbin.org/get
TPP-Redirect-Preferred string
Set to false to automatically trigger biometric authentication for mobile apps whenever available. Default is true.
Example: false
TPP-Brand-Logging-Information string
Logged TPP brand used towards the PSU if applicable
Example: Brand X
Digest stringrequired
Base64 encoded sha256 or sha512 hash of the message body, used with the signature.
The Digest header is defined by RFC3230 and sha256/sha512 si defined by RFC5843.
Example: MIFFTzCCAzegAkIBAgMJANnQVDLqktJUMA0GCS....8WLZOabcX3YxNoH4k==
TPP-Signature-Certificate stringrequired
The certificate used for signing the request in base64 encoding.
Example: MIFFTzCCAzegAkIBAgMJANnQVDLqktJUMA0GCS....8WLZOX3YxNoH4k==
Signature stringrequired
HTTP Message Signature as specified by https://tools.ietf.org/html/draft-cavage-http-signatures-10 with requirements imposed by Berlin Group's NextGenPSD2 Framework.
• keyId must be formatted as keyId="SN=XXX,CA=YYY" where XXX is the serial number of the signing certificate in hexadecimal encoding and YYY is the ful Distinguished Name of the Certificate Authority having certificate
• algorithm must identify the same algorithm for the signature as presented in the signing certificate and should be rsa-sha256
• headers must contain date, digest, x-request-id, psu-id, psu-corporate-id, and tpp-redirect-uri when available
• signature must be computed as Base64(RSA-SHA256(signingString))
If any values in the Signature header is ISO-8859-1 or UTF-8 encoded you need to URL encode the Signature header according to RFC 2047 which means MIME encoding the signature.
Also the signature must be wrapped using this format: =?charset?encoding?encoded signature?=
Example of this encoding: =?utf-8?B?a2V5QTQsQ0E9Mi41LjQuOTc9IzB........jMTM1MDUzNDQ0ZTRmMmQ0NjUz?=
Java example of how to implement encoding:
if (charset.equals(StandardCharsets.UTF_8)) {
  Signature = String.format("=?utf-8?B?%s?=", Base64.getEncoder().encodeToString(signature.getBytes(StandardCharsets.UTF_8)));
}
Example: keyId="SN=6AEB4444FBAAD267,CA=O=PSDNO-FSA-ABCA,L=Trondheim,C=NO", algorithm="rsa-sha256", headers="date x-request-id tpp-redirect-uri psu-id", signature="***************"
PSU-ID UUIDrequired
The PSU identifier.
Example: 49ae0cfe-6b72-4310-81f5-ad4eef897fe3
X-PSU-IDENTITY string
As an alternative to PSU-ID, the PSU can be identified by norwegian personal identification number (national identity number/D-number)
Example: 01010123456
PSU-Corporate-ID string
The PSU Corporate agreement identifier.
Example: aog5kNSbDNo2srEPAqsCGaR8LNCAfLVlKPzbwKZQJzI=
PSU-Context string
Possible values: [PRIVATE, CORPORATE]
Explicitly set PSU context. Required for single SCA payment initiation.
Example: PRIVATE
PSU-IP-Address stringrequired
The forwarded IP Address header field consists of the corresponding HTTP request IP Address field between PSU and TPP.
Example: 153.110.241.229
PSU-IP-Port string
The forwarded IP Port header field consists of the corresponding HTTP request IP Port field between PSU and TPP, if available.
Example: 443
PSU-User-Agent string
The forwarded value for the User-Agent header field between the PSU and TPP, if available.
Example: Mozilla/5.0 (Windows NT 10.0; …) Gecko/20100101 Firefox/63.0
PSU-Accept string
The forwarded value for the Accept header field between the PSU and TPP, if available.
Example: application/json
PSU-Accept-Charset string
The forwarded value for the Accept-Charset header field between the PSU and TPP, if available.
Example: utf-8
PSU-Accept-Encoding string
The forwarded value for the Accept-Encoding header field between the PSU and TPP, if available.
Example: gzip, deflate, br
PSU-Accept-Language string
The forwarded value for the Accept-Language header field between the PSU and TPP, if available.
Example: en-US,en;q=0.7,nb;q=0.3
PSU-HTTP-Method string
Possible values: [GET, POST, PUT, PATCH, DELETE]
The forwarded value for the HTTP method used between the PSU and TPP, if available.
Example: GET
PSU-Device-ID UUID
The forwarded value of the device ID used by the PSU, if available.
Example: 35-67660-48540-8
PSU-Geo-Location string
The forwarded value of the Geo Location of the corresponding HTTP request between the PSU and TPP, if available.
Example: GEO:52.506931,13.144558

application/json

Body

required

payload

endToEndIdentification string

Possible values: <= 35 characters

An optional end-to-end identification for diagnostic and audit purposes.

instructedAmount

object

required

amount stringrequired

Note that even though the contract sets a precision of 18 and a scale of 5, the provided fraction digits must adhere to the minor units as defined in ISO 4217 for the provided currency code.

currency Currency (string)required

Possible values: [AED, AFN, ALL, AMD, ANG, AOA, ARS, AUD, AWG, AZN, BAM, BBD, BDT, BGN, BHD, BIF, BMD, BND, BOB, BRL, BSD, BTN, BWP, BYR, BZD, CAD, CDF, CHF, CLP, CNY, COP, CRC, CUC, CUP, CVE, CZK, DJF, DKK, DOP, DZD, EGP, ERN, ETB, EUR, FJD, FKP, GBP, GEL, GGP, GHS, GIP, GMD, GNF, GTQ, GYD, HKD, HNL, HRK, HTG, HUF, IDR, ILS, IMP, INR, IQD, IRR, ISK, JEP, JMD, JOD, JPY, KES, KGS, KHR, KMF, KPW, KRW, KWD, KYD, KZT, LAK, LBP, LKR, LRD, LSL, LYD, MAD, MDL, MGA, MKD, MMK, MNT, MOP, MRO, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PAB, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SAR, SBD, SCR, SDG, SEK, SGD, SHP, SLL, SOS, SPL, SRD, STD, SVC, SYP, SZL, THB, TJS, TMT, TND, TOP, TRY, TTD, TVD, TWD, TZS, UAH, UGX, USD, UYU, UZS, VEF, VND, VUV, WST, XAF, XCD, XDR, XOF, XPF, YER, ZAR, ZMW, ZWD]

ISO 4217 Alphabetic Currency Code.

creditorName stringrequired

Possible values: <= 70 characters

The creditor's full name.

creditorAccount

object

required

iban stringrequired

Possible values: <= 34 characters

Expanded version of the basic bank account number (BBAN), structured as defined by ISO 13616-1:2007, intended for use internationally, which uniquely identifies an individual account at a specific financial institution, in a particular country.

currency Currency (string)required

Possible values: [AED, AFN, ALL, AMD, ANG, AOA, ARS, AUD, AWG, AZN, BAM, BBD, BDT, BGN, BHD, BIF, BMD, BND, BOB, BRL, BSD, BTN, BWP, BYR, BZD, CAD, CDF, CHF, CLP, CNY, COP, CRC, CUC, CUP, CVE, CZK, DJF, DKK, DOP, DZD, EGP, ERN, ETB, EUR, FJD, FKP, GBP, GEL, GGP, GHS, GIP, GMD, GNF, GTQ, GYD, HKD, HNL, HRK, HTG, HUF, IDR, ILS, IMP, INR, IQD, IRR, ISK, JEP, JMD, JOD, JPY, KES, KGS, KHR, KMF, KPW, KRW, KWD, KYD, KZT, LAK, LBP, LKR, LRD, LSL, LYD, MAD, MDL, MGA, MKD, MMK, MNT, MOP, MRO, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PAB, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SAR, SBD, SCR, SDG, SEK, SGD, SHP, SLL, SOS, SPL, SRD, STD, SVC, SYP, SZL, THB, TJS, TMT, TND, TOP, TRY, TTD, TVD, TWD, TZS, UAH, UGX, USD, UYU, UZS, VEF, VND, VUV, WST, XAF, XCD, XDR, XOF, XPF, YER, ZAR, ZMW, ZWD]

ISO 4217 Alphabetic Currency Code.

creditorAddress

object

street string

Possible values: <= 70 characters

buildingNumber string

postalCode string

city string

country Country (string)required

Possible values: <= 2 characters, [AF, AX, AL, DZ, AS, AD, AO, AI, AQ, AG, AR, AM, AW, AU, AT, AZ, BH, BS, BD, BB, BY, BE, BZ, BJ, BM, BT, BO, BQ, BA, BW, BV, BR, IO, BN, BG, BF, BI, KH, CM, CA, CV, KY, CF, TD, CL, CN, CX, CC, CO, KM, CG, CD, CK, CR, CI, HR, CU, CW, CY, CZ, DK, DJ, DM, DO, EC, EG, SV, GQ, ER, EE, ET, FK, FO, FJ, FI, FR, GF, PF, TF, GA, GM, GE, DE, GH, GI, GR, GL, GD, GP, GU, GT, GG, GN, GW, GY, HT, HM, VA, HN, HK, HU, IS, IN, ID, IR, IQ, IE, IM, IL, IT, JM, JP, JE, JO, KZ, KE, KI, KP, KR, KW, KG, LA, LV, LB, LS, LR, LY, LI, LT, LU, MO, MK, MG, MW, MY, MV, ML, MT, MH, MQ, MR, MU, YT, MX, FM, MD, MC, MN, ME, MS, MA, MZ, MM, NA, NR, NP, NL, NC, NZ, NI, NE, NG, NU, NF, MP, NO, OM, PK, PW, PS, PA, PG, PY, PE, PH, PN, PL, PT, PR, QA, RE, RO, RU, RW, BL, SH, KN, LC, MF, PM, VC, WS, SM, ST, SA, SN, RS, SC, SL, SG, SX, SK, SI, SB, SO, ZA, GS, SS, ES, LK, SD, SR, SJ, SZ, SE, CH, SY, TW, TJ, TZ, TH, TL, TG, TK, TO, TT, TN, TR, TM, TC, TV, UG, UA, AE, GB, US, UM, UY, UZ, VU, VE, VN, VG, VI, WF, EH, YE, ZM, ZW]

ISO 3166-1 Alpha-2 Country Code.

debtorAccount

object

required

iban stringrequired

Possible values: <= 34 characters

Expanded version of the basic bank account number (BBAN), structured as defined by ISO 13616-1:2007, intended for use internationally, which uniquely identifies an individual account at a specific financial institution, in a particular country.

currency Currency (string)required

Possible values: [AED, AFN, ALL, AMD, ANG, AOA, ARS, AUD, AWG, AZN, BAM, BBD, BDT, BGN, BHD, BIF, BMD, BND, BOB, BRL, BSD, BTN, BWP, BYR, BZD, CAD, CDF, CHF, CLP, CNY, COP, CRC, CUC, CUP, CVE, CZK, DJF, DKK, DOP, DZD, EGP, ERN, ETB, EUR, FJD, FKP, GBP, GEL, GGP, GHS, GIP, GMD, GNF, GTQ, GYD, HKD, HNL, HRK, HTG, HUF, IDR, ILS, IMP, INR, IQD, IRR, ISK, JEP, JMD, JOD, JPY, KES, KGS, KHR, KMF, KPW, KRW, KWD, KYD, KZT, LAK, LBP, LKR, LRD, LSL, LYD, MAD, MDL, MGA, MKD, MMK, MNT, MOP, MRO, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PAB, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SAR, SBD, SCR, SDG, SEK, SGD, SHP, SLL, SOS, SPL, SRD, STD, SVC, SYP, SZL, THB, TJS, TMT, TND, TOP, TRY, TTD, TVD, TWD, TZS, UAH, UGX, USD, UYU, UZS, VEF, VND, VUV, WST, XAF, XCD, XDR, XOF, XPF, YER, ZAR, ZMW, ZWD]

ISO 4217 Alphabetic Currency Code.

remittanceInformationUnstructured string

Possible values: non-empty and <= 140 characters

Unstructured representation of remittance information. Supported character encodings are ASCII and UTF-8. Note that this information may be truncated or change encoding during processing.

requestedExecutionDate Date

Payment execution date as ISO 8601 Date.

Responses

201

CREATED

application/json

Schema

Schema

paymentId stringrequired
transactionStatus TransactionStatus (string)required

Possible values: [ACCP, ACSC, ACSP, ACTC, ACWC, ACWP, RCVD, PDNG, RJCT, CANC, PART]

transactionFees

object

amount stringrequired

Note that even though the contract sets a precision of 18 and a scale of 5, the provided fraction digits must adhere to the minor units as defined in ISO 4217 for the provided currency code.

currency Currency (string)required

Possible values: [AED, AFN, ALL, AMD, ANG, AOA, ARS, AUD, AWG, AZN, BAM, BBD, BDT, BGN, BHD, BIF, BMD, BND, BOB, BRL, BSD, BTN, BWP, BYR, BZD, CAD, CDF, CHF, CLP, CNY, COP, CRC, CUC, CUP, CVE, CZK, DJF, DKK, DOP, DZD, EGP, ERN, ETB, EUR, FJD, FKP, GBP, GEL, GGP, GHS, GIP, GMD, GNF, GTQ, GYD, HKD, HNL, HRK, HTG, HUF, IDR, ILS, IMP, INR, IQD, IRR, ISK, JEP, JMD, JOD, JPY, KES, KGS, KHR, KMF, KPW, KRW, KWD, KYD, KZT, LAK, LBP, LKR, LRD, LSL, LYD, MAD, MDL, MGA, MKD, MMK, MNT, MOP, MRO, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PAB, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SAR, SBD, SCR, SDG, SEK, SGD, SHP, SLL, SOS, SPL, SRD, STD, SVC, SYP, SZL, THB, TJS, TMT, TND, TOP, TRY, TTD, TVD, TWD, TZS, UAH, UGX, USD, UYU, UZS, VEF, VND, VUV, WST, XAF, XCD, XDR, XOF, XPF, YER, ZAR, ZMW, ZWD]

ISO 4217 Alphabetic Currency Code.

transactionFeeIndicator boolean

Indicates if the created payment will incur a fee. The total transaction fee amount will then be available in the transactionFees property. This total will also include any currency conversion fees if applicable.

tppMessages

object[]

messages to the TPP on operational issues.

Array [

category stringrequired

Possible values: [ERROR, WARNING]

code stringrequired

Possible values: [SYSTEM_ERROR, BAD_REQUEST, FORBIDDEN, NOT_FOUND, CONFLICT, HTTP_HEADER_REQUIRED, QUERY_PARAMETER_REQUIRED, SCA_NOT_FOUND, SCA_EXPIRED, SCA_INVALID, FORMAT_ERROR, RESOURCE_UNKNOWN, PSU_CREDENTIALS_INVALID, CONSENT_UNKNOWN, CONSENT_INVALID, CONSENT_EXPIRED, ACCESS_EXCEEDED, PRODUCT_UNKNOWN, PRODUCT_INVALID, KID_MISSING, KID_INVALID, PAYMENT_FAILED, EXECUTION_DATE_INVALID]

path string

text string

Possible values: <= 512 characters

]

psuMessage string

Possible values: <= 512 characters

Text to be displayed to the PSU

_links

object

A collection of hyperlinks.

property name*

Link

href stringrequired

verbs string[]required

Possible values: [GET, PUT, POST, DELETE]

Example (from schema)

{
  "paymentId": "enc!!H6fD9HS7Y7peXJh1HqC34RFgGfF992bjabcRx5n==",
  "transactionStatus": "RCVD",
  "transactionFees": {
    "amount": "100.33",
    "currency": "NOK"
  },
  "transactionFeeIndicator": false,
  "tppMessages": [
    {
      "category": "ERROR",
      "code": "SYSTEM_ERROR",
      "path": "/v1/payments/norwegian-domestic-credit-transfers",
      "text": "Example text"
    }
  ],
  "psuMessage": "Preliminary calculated countervalue in NOK: 642.63",
  "_links": {
    "self": {
      "href": "https://openbanking.spareskillingsbanken.no/",
      "verbs": [
        "GET"
      ]
    }
  }
}

400

Bad Request

application/json

Schema

Schema

id string
system string
status number
code string
message string

Example (from schema)

{
  "id": "5884127160",
  "system": "ERA-PSD2",
  "status": 400,
  "code": "ERROR_CODE",
  "message": "error message appears here"
}

FORMAT_ERROR

{
  "id": "5615873375",
  "status": 400,
  "system": "ERA-PSD2",
  "code": "FORMAT_ERROR"
}

401

Unauthorized

application/json

Schema

Schema

_links

object

property name*

Link

href stringrequired

verbs string[]required

Possible values: [GET, PUT, POST, DELETE]

Example (from schema)

{
  "_links": {
    "scaRedirect": {
      "href": "https://openbanking.spareskillingsbanken.no/tap?route_secesb_id=1&flow=psd2&state=ca477daf-d824-4f0b-b405-6c8fc385dc0b&locale=no-NB, no; q=1.0",
      "verbs": [
        "GET"
      ]
    }
  }
}

403

Forbidden

application/json

Schema

Schema

id string
system string
status number
code string
message string

Example (from schema)

{
  "id": "5884127160",
  "system": "ERA-PSD2",
  "status": 400,
  "code": "ERROR_CODE",
  "message": "error message appears here"
}

PRODUCT_INVALID

{
  "id": "5615873376",
  "system": "ERA-PSD2",
  "status": 403,
  "code": "PRODUCT_INVALID"
}

404

Not Found

application/json

Schema

Schema

id string
system string
status number
code string
message string

Example (from schema)

{
  "id": "5884127160",
  "system": "ERA-PSD2",
  "status": 400,
  "code": "ERROR_CODE",
  "message": "error message appears here"
}

RESOURCE_UNKNOWN

{
  "id": "5615873376",
  "system": "ERA-PSD2",
  "status": 404,
  "code": "RESOURCE_UNKNOWN"
}

500

Internal Server Error

application/json

Schema

Schema

id string
system string
status number
code string
message string

Example (from schema)

{
  "id": "5884127160",
  "system": "ERA-PSD2",
  "status": 400,
  "code": "ERROR_CODE",
  "message": "error message appears here"
}

SYSTEM_ERROR

{
  "id": "5615873378",
  "system": "ERA-PSD2",
  "status": 500,
  "code": "SYSTEM_ERROR"
}

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