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v4.0.0
OB PaymentInitiation Sandbox
This API provides the ability for authorised payment initiation service providers (PISPs, TPPs - third party providers) to try out Open Banking Payment Initiation Service endpoints to sample responses for typical happy and unhappy path payment and consent scenarios. All OB PIS payment types and journeys are supported. Scenarios or predefined and responses are fixed based on set inputs. This API is developed according to the Open Banking Read/Write API Specifications and fulfils PSD2 regulation, see https://www.openbanking.org.uk
v4.0.0
OB Payment Initiation
This API provides the ability for authorised payment initiation service providers (PISPs, TPPs - third party providers) to initiate and set up new domestic, international and file based payments. The TPPs will be able to initiate requests directly from the customer's (PSU - Payment Service User) current, personal or business - accounts, after being granted consent. Within Domestic Payments, Faster and CHAPS immediate payments can be initiated.
1.0.0
Open Banking Aggregated Polling API
This API provides the ability for approved/authorised Account Information Service Providers (AISPs), Card Based Payment Instrument Issuers (CBPIIs) and Payment Initiation Service Providers (PISPs) to retrieve a list of all revoked or cancelled consents that have been made against the Account & Transactions APIs and/or the Confirmation of Funds APIs and/or the VariableRecurringPayment APIs. This API is developed according to the Open Banking Read/Write API Specifications and fulfils PSD2 regulation. See https://www.openbanking.org.uk
4.0.0
Confirmation of Funds V4.0
The API endpoints described here allow a Card Based Payment Instrument
Issuer (CBPII) to:
* Register an intent to confirm funds by creating a "funds confirmation consent" resource with an ASPSP, for agreement between the PSU and ASPSP. This consent is a long lived consent, and contains the length of time (expiration date) the customer (PSU) would like to provide to the CBPII, and subsequently make a request to confirm funds are available.
* Funds can only be confirmed against the currency of the account.
This API is developed according to the Open Banking Read/Write API
Specifications and fulfils PSD2 regulation, see
[https://www.openbanking.org.uk](https://www.openbanking.org.uk)
Frequently Asked Questions
What is Open Banking?
Open Banking is a reform, called for by the Competitions & Market Authority (CMA), which mandates Santander and the eight other largest current account providers (CMA9) to securely share customer account data and initiate payments with registered third party providers (TPPs) provided the customer has given their consent.
What are our Open Banking APIs?
All our Open Banking APIs are documented in the API Catalogue. Please refer to the API Catalogue in the Developer Portal for details.
How can I access Santander's Read/Write APIs?
As a TPP, in order to access our Read/Write APIs, you need to be enrolled with Open Banking (Enrolling Onto Open Banking Guide) and registered with the Financial Conduct Authority (FCA) or a National Competent Authority (NCA), as either an AISP and/or PISP, TSP or CBPII.
This will then enable you to access our APIs through the Santander Developer Portal.
How do I dynamically register with Open Banking APIs?
Santander supports the Open Banking Dynamic Client Registration implementation (RFC 7591). You can use the DCR API to dynamically register with us.