The APIs presented in this section can be used to access a PSU’s (Payment Service User) bank account, held with any reachable ASPSP. Retrieval of PSU’s account information is only allowed upon explicit consent of the account holder.
With AIS APIs, the following information can be retrieved:
1. List of PSU’s accounts
2. Accounts’ balances
3. Transactions history
The sequence diagram represents the message flow between the actors for AIS.
**REDIRECT CONSENT FLOW**
As the diagram below shows, after having selected the ASPSP, the PSU is redirected to the ASPSP environment for authentication and authorization (Post psus/aspsps/consents). Based on authorization, the TPP solution will get the unique access token from the ASPSP and stores this for further secured communication and information exchange with the ASPSP.
The next step is to get the status of the consent (Get psus/aspsps/consents/status).
The following step is the retrieval of the PSU’s authorized accounts list (Get psus/aspsps/accounts).
Once the TPP solution has received the list of accounts, which the PSU has authorized the TPP to access, the Initiating Party can retrieve the balance(s) of the accounts and/or details of listed accounts’ transactions.
**DECOUPLED CONSENT FLOW**
Currently under development (Coming soon)