Service Description
A first set of 3 APIs is proposed in order for you to initiate a SEPA instant payment:
- SEPA Instant Payment Reachability API: check the reachability of the creditor bank.
- SEPA Instant Payment Request API: initiate instant payment instruction.
- SEPA Instant Payment Status API: retrieve the status of initiated instant payment instruction.
In case the beneficiary is not reachable or that SEPA Instant Payment is rejected for another reason, you can use a second set of APIs related to SEPA Standard Payment, as a back up solution:
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SEPA Standard Unitary Payment Request API (can also be used as Instant Payment backup): initiate standard unitary SEPA payment instruction.
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SEPA Standard Unitary Payment Status API (can also be used as Instant Payment backup) : retrieve the status of initiated standard unitary SEPA payment instruction.
Format
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The payment instruction is formatted in JSON and follows a pain.001.001.03 ISO 20022 structure.
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The status is formatted in JSON and follows a pain.002 ISO 20022 structure.
Prerequisites for all use cases
- You provided a valid SSL/TLS certificate to BNP Paribas.
- You provided a valid Electronic Signature certificate (Eidas or RGS* or RGS** or 3SKEY) to BNP Paribas.
- You were provided with your credentials (ClientID, ClientSecret and KeyID), by BNP Paribas, allowing you to request an access token (type "Client Credentials").
Payment Process
Your payment initiation request will generate a unique BNPP reference {requestTransactionId} which will allow you to call the status of your instant payment or SEPA standard transfer.
Notes
- The reachability check is embedded in the payment initiation, but can be called as a standalone service.