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PSD2: Account Information

Obtaining consent for AIS

Before calling the Account Information Service the TPP must obtain consent for a specific IBAN for a period of time (maximum 90 days)

  1. The consent process starts by a PSU being asked to provide access to their account information (the PSU must provide an IBAN) via your organisation as the TPP. You need to post a request to Unifiedpost Payments to obtain the consent.
  2. The consent request is made by executing ./consent.sh which will issue a POST to /external/psd2/v1/consents to request a consent for "emma" for account BE52504001001556.
  3. You will receive a JSON response (example below).
  4. You should store the consentId along with the status URL and redirect the PSU's browser to the scaRedirect.
  5. The PSU will normally use a mobile app to approve/reject the consent. In the sandbox environment a web page is provided where the TPP can simulate approval/rejection.
  6. In all cases, Unifiedpost Payments will redirect the PSU's browser to the URL provided in the header TPP-Redirect-URI  of the original request.  Note: in the scripts we set a dummy URL for the sandbox but it must be a URL at the TPP so the PSU can continue the process. (You should set some unique identifier in the URL so that you can link this callback with the original request: the shell script uses the X-Request-Id but you are free to choose any other unique Id).
  7. When you receive the callback, make a call to the status URL to obtain the result of the PSU's decision.

See psd2-sandbox-general for the PSUs and related IBANs defined in the sandbox.  

Consent Response Example
Consent Status
Calling the  Account Information Service

Once the consent has been provided by the PSU the TPP may call the Account Information Service with the script ./account-information.sh. (The consent.sh script writes a file "last-consent-id.txt" which the  ./account-information.sh script uses to submit the request).

PSD2

More information

Getting started
Registration
Payment initiation
Sandbox details
Fallback