This APIs will allow the initiation of a payment from any payment account to another payment account in Europe, held by any reachable ASPSP provided the account holder has given his explicit consent as is stipulated by the Payment Services Directive 2 (PSD2).
There are three APIs in this group:
1. Post payment:
After the PSU has selected its bank from the Reach Directory, the Initiating Party will start a payment initiation request via the TPP solution towards the PSU’s ASPSP (see menu-item: API services - XS2A - Reach Directory). This is the first API call in the message flow. Depending on the authentication method the PSU will be redirected to the ASPSP website or a decoupled device for authentication and granting consent.
2. Get payment/status:
Based on the payment Status Check Request from the Initiation party, the TPP solution will check the Payment Status with the ASPSP.
3. Post payment/confirmation:
This API call is sometimes required by ASPSPs to proceed with payment. This follows from the Status Response from the ASPSP.
**REDIRECT CONSENT FLOW**
See diagram below
**DECOUPLED CONSENT FLOW**
Currently under development (coming soon)