Create NCBCT payment

POST /v1/payments/norwegian-cross-border-credit-transfers

See XS2A Framework Implementation Guidelines, Section 5.3.1 and Bits PSD2 appendix for additional details. This payment product is meant to be used for cross border transfers of NOK100.000 or more.

Sample Request Body

  "instructedAmount": {
    "amount": "100.33",
    "currency": "SEK"
  },
  "creditorName": "Company 123",
  "creditorAgent": "AAA100",
  "creditorAccount": {
    "bban": "95360573002",
    "currency": "SEK"
  },
  "creditorAddress": {
    "street": "Street",
    "buildingNumber": "56",
    "postalCode": "7014",
    "city": "Trondheim",
    "country": "NO"
  },
  "debtorAccount": {
    "bban": "95360573002",
    "currency": "NOK"
  },
  "regulatoryReportingCode": "26",
  "regulatoryReportingInformation": "Rent for skiapartment"
}

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.handelsbanken.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

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.

creditorAgent string

The creditor's agent, otherwise known as BIC, BICFI or SWIFT, required if using BBAN in creditorAccount.

creditorAccount

object

required

A reference to either a BBAN or an IBAN of an account.

bban Bban (string)

Possible values: <= 30 characters

Identifier that uniquely identifies an individual account at a specific financial institution in a particular country and which includes a bank identifier of the financial institution servicing that account.

iban string

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

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

A reference to either a BBAN or an IBAN of an account.

bban Bban (string)

Possible values: <= 30 characters

iban string

Possible values: <= 34 characters

currency Currency (string)required

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.

purposeCode PurposeCode (string)

Possible values: [INVS, SALA, IDCP, CASH, CORT, INTC, PENS, SSBE, SUPP, TAXS, TREA, VATX, LOAN, OTHR]

Supported subset of ISO 20022 ExternalPurpose1Code.

requestedExecutionDate Date

Payment execution date as ISO 8601 Date.

regulatoryReportingCode string

Possible values: [14, 26, 29, 31, 35, 38, 41, 43, 45, 51, 52, 53, 71, 79, 81, 82]

Required for transfers of 100 000 NOK or more. Reporting code documenting the payment type required by norwegian tax authorities. (see Bits appendix for details).

regulatoryReportingInformation string

Possible values: <= 140 characters

Required for transfers of 100 000 NOK or more. Free text description of payment purpose.

Responses

CREATED

application/json

Schema
Example (from 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

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]

{
  "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.handelsbanken.no/",
      "verbs": [
        "GET"
      ]
    }
  }
}

Bad Request

application/json

Schema
Example (from schema)
FORMAT_ERROR

Schema

id string

system string

status number

code string

message string

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

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

Unauthorized

application/json

Schema
Example (from schema)

Schema

_links

object

property name*

Link

href stringrequired

verbs string[]required

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

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

Forbidden

application/json

Schema
Example (from schema)
PRODUCT_INVALID

Schema

id string

system string

status number

code string

message string

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

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

Not Found

application/json

Schema
Example (from schema)
RESOURCE_UNKNOWN

Schema

id string

system string

status number

code string

message string

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

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

Internal Server Error

application/json

Schema
Example (from schema)
SYSTEM_ERROR

Schema

id string

system string

status number

code string

message string

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

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

Create NCBCT payment

/v1/payments/norwegian-cross-border-credit-transfers

Request​

Query Parameters

Header Parameters

Body

Responses​

Request

Responses