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CIB PSD2 API Sandbox

Welcome to the new world of banking services!
What services does CIB PSD2 API Sandbox offer?

What services does CIB PSD2 API Sandbox offer?

 

The CIB PSD2 API service provides an opportunity for your business to provide account information and payment initiation services to customers of our bank who have a payment account. 

In integrating the PSD2 API our bank follows the Berlin Group guideline version 1.3. Please review the CIB PSD2 API documentation and test your development using the Sandbox. 

Once the statutory conditions have been fulfilled and in possession of the required certificates, you can use our service starting from 14 September 2019.

 

Differences compared to the Berlin Group guideline

Differences compared to the Berlin Group guideline

 

1. General information

 

The purpose of the documentation is to support interface integration testing in the following cases:

  • To service providers providing account information and payment initiation services to customers who have accounts at CIB Bank.
  • For the confirmation request activity of payment service providers that issue card-based cashless payment instruments. 

 

CIB Bank applied version 1.3 of the guideline proposed by the Berlin Group in developing the interface, therefore we recommend studying it prior to starting the testing. 

 

Below we present the differences compared to the Berlin Group guidelines. 

 

2. Abbreviations and terms

 

Abbreviation

Description

TPP (Third Party Payment Provider):

A service provider other than the bank (so-called third party) that provides account information or payment initiation services

AISP:

Account Information Service Provider

PISP:

Payment Initiation Service Provider

PSU:

Payment Service User

SCA:

Strong Customer Authentication

 

 

3. Differences compared to the Berlin Group guideline version 1.3

 

Our Bank does not support the request concerning the cancellation (deletion) of payment orders:

  • DELETE {payment-service}/{payment-product}/{paymentId} 

The PSU can cancel (delete) payment initiations submitted via the TPPs only through other electronic channels provided by our bank.


On the following interface, use of the “both” value in the bookingStatus parameter is not supported:

  • GET /v1/accounts/{account-id}/transactions
  • GET /v1/card-accounts/{account-id}/transactions

Only one transaction by bookingStatus can be queried at a time. bookingStatus parameters that can be used:

  • pending: queries the items pending
  • notFulfilled: queries the items not fulfilled
  • booked: items fulfilled


In the case of payment initiation requests, our Bank supports different payment order types (payment products), which are: 

  • cross-border-credit-transfers – one-time foreign currency transfers (intrabank, interbank)
  • hungarian-credit-transfers – one-time and recurring forint transfers (intrabank, interbank)


Payment order types (payment products) and services can be interpreted in the following combinations:

payment product

payments

bulk-payments

periodic-payments

cross-border-credit-transfers

supported

not supported

supported

Hungarian-credit-transfers

supported

not supported

not supported


4. Things to know about how CIB PSD2 API Sandbox works

 

The bank supports interface testing via a Sandbox application that has the following characteristics:

  • uses a fixed system date: 2019-02-10 (validations will check this, too)
  • interfaces give fixed responses to fixed requests, and support for this is provided by the attached sandbox_teszt.txt
  • account balances do not change
  • of the payment services, the bank does not support periodic payments and bulk payments

 

CIB PSD2 API Sandbox does not support the following requests:

  • GET card-accounts 
  • GET card-accounts/{account-id} 
  • GET card-accounts/{account-id}/balances 
  • GET card-accounts/{account-id}/transactions 
  • POST bulk-payments/{payment-product} 
  • GET bulk-payments/{payment-product}/{paymentId} 
  • GET bulk-payments/{payment-product}/{paymentId}/status 
  • POST periodic-payments/{payment-product} 
  • GET periodic-payments/{payment-product}/{paymentId} 
  • GET periodic-payments/{payment-product}/{paymentId}/status 
  • DELETE consents/{consentId} 
Things to know about using CIB PSD2 API Sandbox

Things to know about using CIB PSD2 API Sandbox

 

How much does the use of CIB PSD2 API Sandbox cost?

CIB Bank ensures use of the CIB PSD2 API Sandbox free of charge to those interested.

 

On what address can CIB PSD2 API Sandbox be accessed?

https://api-test.cib.hu

 

From when can the system be used live?

According to the requirements of the PSD2 Directive, CIB PSD2 API Sandbox can be used live starting from 14 September 2019.

 

How can we learn of API changes?

The bank publishes the documentation of changes occurring in the technical information required for using the CIB PSD2 API Sandbox by version updates on its website (www.cib.hu). 

 

What international standard does the bank follow in integrating the PSD2 API?

In integrating the PSD2 API our bank follows the Berlin Group guideline version 1.3 (https://www.berlin-group.org), with some differences. The summary of differences is included in the Related documents part.

 

How does CIB PSD2 API Sandbox work?

Connect your application to the CIB Bank API Gateway at the address https://api-test.cib.hu. In the test, the CIB PSD2 API Sandbox interfaces provide fixed answers to fixed requests. Account balances do not change in the test.

 

What do the AISP, ASPSP, PISP, PSU, SCA, TPP abbreviations mean?

  • AISP: Account Information Service Provider (TPP)
  • ASPS: Account Servicing Payment Service Provider
  • PISP: Payment Initiation Service Provider (TPP)
  • PSU: Payment Service User
  • SCA: Strong Customer Authentication
  • TPP: Third-party PSD2 service provider.
How can we help?

How can we help?

 

If you have any question about the CIB PSD2 API Sandbox please send us an email to PSD2_support@cib.hu and we answer you to the e-mail address you have provided. Please check the accuracy of the e-mail address provided. We try to answer as soon as possible. Thank you for your patience.

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