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Transactions v2.3.3

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Version Control

Version

Date

Author

Comments

2.0.0

Payments NZ API Working Group

Baseline

2.1-draft1

 

Gavin Wong (Unlicensed)

Updated:

Removed:

2.1-rc2

Gavin Wong (Unlicensed)

Updated:

  • Scope definition based on Business WG feedback

2.2-draft1

Gavin Wong (Unlicensed)

Updated:

  • Updated statements and party endpoints to be mandatory as per v2.2 scope

2.3.1

Nigel Somerfield

Patch update to Swagger specification to BECSRemittance - DebtorReference and CreditorReference - specify additionalProperties: false

2.3.2

Nigel Somerfield

Patch update to Swagger to reflect /wiki/spaces/PaymentsDirectionAPIStandardsDevelopment/pages/1455358006, which determined that the standard error response body should be included in all non-success HTTP responses.

2.3.3

Nigel Somerfield

Patch update to clarify the explanation of BookingDateTime:

  • The BookingDateTime is the date the transaction is booked (or posted)
    and becomes immutable - which is not the date the transaction took place

was replaced with:

  • The BookingDateTime is the date the transaction is booked (or posted)
    and becomes immutable - which is not necessarily the date the transaction
    took place

Definition

A resource that describes a posting to an account that results in an increase or decrease to a balance.

For a specific date range - an account (AccountId) may have no transactions booked, or may have multiple transactions booked.

Endpoints

Resource


Endpoint

Mandatory?

Scope

Grant Type

Idempotency Key

Parameters

Request Object

Response Object

transactions

GET

GET /accounts/{AccountId}/transactions

Mandatory

accounts

Redirect Flow; or

Decoupled Flow

No

Pagination

Filtering


OBReadTransaction2

transactions

GET

GET /transactions

Optional

accounts

Redirect Flow; or

Decoupled Flow

No

Pagination

Filtering


OBReadTransaction2

GET /accounts/{AccountId}/transactions

The API endpoint allows a Third Party to retrieve the transactions for a specific AccountId (which is retrieved in the call to GET /accounts).

  • The Third Party must have an access token issued by the API Provider using an authorization flow (either redirect flow or decoupled flow). 

GET /transactions

The API endpoint allows a Third Party to retrieve the transactions in bulk, if an API Provider has implemented the bulk retrieval endpoint.

  • The Third Party must have an access token issued by the API Provider using an authorization flow (either redirect flow or decoupled flow). 

  • This will retrieve the transactions for all accounts linked to the account-access-consent.

Data Model

The OBReadTransaction2 object will be used for the call to:

  • GET /accounts/{AccountId}/transactions

  • GET /transactions

UML Diagram

Notes

  • The use of the term "Transaction" has been made consistently in the Transaction endpoint payload (instead of "Entry" which is the ISO20022 element name)

  • A DateTime element has been used instead of a complex choice element of Date and DateTime. Where time elements do not exist in API Provider systems - the time portion of the DateTime element will be defaulted to 00:00:00+00:00

  • The BookingDateTime has been set to mandatory - as all API Providers must provide this field for pagination and filtering. The BookingDateTime is the date the transaction is booked (or posted) and becomes immutable - which is not necessarily the date the transaction took place.

  • Either the BankTransactionCode (which is the ISO transaction code list), or ProprietaryBankTransactionCode, or both may be populated. While the expectation is that at least one of BankTransactionCode or ProprietaryBankTransactionCode are populated - we have decided not to enforce this behaviour in the payload structure - as this would require nesting elements, and introducing complex choice elements.

  • The BankTransactionCode (ISO) code-list is documented on the ISO20022 website: https://www.iso20022.org/external_code_list.page; and External Code Sets spreadsheet.

    • The ISO 20022 BankTransactionCode Code and SubCode are specified as a 4 letter codes. However - the principle we have applied for the code lists is to have longer more descriptive codes.

    • The BankTransactionCode Code and SubCode will be populated with the long form description of the ISO 20022 code, with delimiters removed. E.g., the Family Code "CNTR" has a description of "Counter Transactions" which is populated as "CounterTransactions"

  • API Providers must have the ability to provide transactions through APIs for a period that at least equals the period provided through their online channels.

Filtering

Limited support for filtering is provided on the transactions resource.

Name

Occurrence

Enhanced Definition

Class

fromBookingDateTime

0..1

Specifies start date and time for filtering of the Transaction records on the Transaction/BookingDateTime field

ISODateTime

toBookingDateTime

0..1

Specifies end date and time for filtering of the Transaction records on the Transaction/BookingDateTime field.

ISODateTime

The API Provider must treat the following as valid input:

  • Non-working days (e.g. a Sunday or a Public holiday) or any other days on which no transactions are recorded

  • Dates that fall outside the range for which transaction information is provided through APIs

  • Dates that fall outside the range for which a consent authorisation is available

  • Timezone may be included in the filter request - but must be ignored by the API Provider

In the above situations, the API Provider must return data for the remaining valid period specified by the filter.

Filtering Examples

// All transactions from 1st Jan, 2015
GET /transactions?fromBookingDateTime=2015-01-01T00:00:00

// All transactions in 2016
GET /transactions?fromBookingDateTime=2016-01-01T00:00:00&toBookingDateTime=2016-12-31T23:59:59

// All transactions in a specific account up to 31-Mar-2017
GET /accounts/1/transactions?toBookingDateTime=2017-03-31T23:59:59

Permission Codes

The resource response differs depending on the permissions (ReadTransactionsBasic and ReadTransactionsDetail) used to access the resource. In the event the resource is accessed with both ReadTransactionsBasic and ReadTransactionsDetail, the most detailed level (ReadTransactionsDetail) must be used.

  • These objects must not be returned without the ReadTransactionsDetail permission:

    • OBReadTransaction2/Data/Transaction/TransactionInformation

    • OBReadTransaction2/Data/Transaction/Balance

    • OBReadTransaction2/Data/Transaction/MerchantDetails

    • OBReadTransaction2/Data/Transaction/CreditorAccount

    • OBReadTransaction2/Data/Transaction/DebtorAccount

    • OBReadTransaction2/Data/Transaction/CreditorAgent

    • OBReadTransaction2/Data/Transaction/DebtorAgent

  • If the ReadTransactionsDetail is granted by the Customer:

    • OBReadTransaction2/Data/Transaction/TransactionInformation may be returned if applicable to the transaction and API Provider (0..1)

    • OBReadTransaction2/Data/Transaction/Balance may be returned if applicable to the transaction and API Provider (0..1)

    • OBReadTransaction2/Data/Transaction/MerchantDetails may be returned if applicable to the transaction and API Provider (0..1)

    • OBReadTransaction2/Data/Transaction/CreditorAccount may be returned if applicable to the transaction and API Provider (0..1)

    • OBReadTransaction2/Data/Transaction/DebtorAccount may be returned if applicable to the transaction and API Provider (0..1)

    • OBReadTransaction2/Data/Transaction/CreditorAgent may be returned if applicable to the transaction and API Provider (0..1)

    • OBReadTransaction2/Data/Transaction/DebtorAgent may be returned if applicable to the transaction and API Provider (0..1)

Data Dictionary

Name

Occurrence

XPath

EnhancedDefinition

Class

Codes

Pattern

OBReadTransaction2


OBReadTransaction2


OBReadTransaction2



Data

1..1

OBReadTransaction2/Data


OBReadDataTransaction2



Transaction

0..n

OBReadTransaction2/Data/Transaction


OBTransaction2



AccountId

1..1

OBReadTransaction2/Data/Transaction/AccountId

A unique and immutable identifier used to identify the account resource. This identifier has no meaning to the account owner.

Max40Text



TransactionId

0..1

OBReadTransaction2/Data/Transaction/TransactionId

Unique identifier for the transaction within an servicing institution. This identifier is both unique and immutable.

Max40Text



StatementReference

0..n

OBReadTransaction2/Data/Transaction/StatementReference

Unique reference for the statement. This reference may be optionally populated if available.

Max35Text



CreditDebitIndicator

1..1

OBReadTransaction2/Data/Transaction/CreditDebitIndicator

Indicates whether the transaction is a credit or a debit entry.

OBCreditDebitCode

Credit
Debit


Status

1..1

OBReadTransaction2/Data/Transaction/Status

Status of a transaction entry on the books of the account servicer.

OBEntryStatus1Code

Booked
Pending


BookingDateTime

1..1

OBReadTransaction2/Data/Transaction/BookingDateTime

Date and time when a transaction entry is posted to an account on the account servicer's books.

Usage: Booking date is the expected booking date, unless the status is booked, in which case it is the actual booking date.

ISODateTime



ValueDateTime

0..1

OBReadTransaction2/Data/Transaction/ValueDateTime

Date and time at which assets become available to the account owner in case of a credit entry, or cease to be available to the account owner in case of a debit transaction entry.
Usage: If transaction entry status is pending and value date is present, then the value date refers to an expected/requested value date.
For transaction entries subject to availability/float and for which availability information is provided, the value date must not be used. In this case the availability component identifies the number of availability days.

ISODateTime



TransactionInformation

0..1

OBReadTransaction2/Data/Transaction/TransactionInformation

Further details of the transaction.
This is the transaction narrative, which is unstructured text.

Max500Text



AddressLine

0..1

OBReadTransaction2/Data/Transaction/AddressLine

Information that locates and identifies a specific address for a transaction entry, that is presented in free format text.

Max70Text



Amount

1..1

OBReadTransaction2/Data/Transaction/Amount

Amount of money in the cash transaction entry.

OBActiveOrHistoricCurrencyAndAmount



Amount

1..1

OBReadTransaction2/Data/Transaction/Amount/Amount

A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217.

ActiveCurrencyAndAmount_SimpleType


^\d{1,13}\.\d{1,5}$

Currency

1..1

OBReadTransaction2/Data/Transaction/Amount/Currency

A code allocated to a currency by a Maintenance Agency under an international identification scheme, as described in the latest edition of the international standard ISO 4217 "Codes for the representation of currencies and funds".

ActiveOrHistoricCurrencyCode


^[A-Z]{3,3}$

TransactionReference

0..1

OBReadTransaction2/Data/Transaction/TransactionReference

Remittance information for use with BECSElectronicCredit payment scheme.

NZBECSRemittance1



CreditorName

1..1

OBReadTransaction2/Data/Transaction/TransactionReference/CreditorName

The Creditor's Name.

Max20Text



DebtorName

0..1

OBReadTransaction2/Data/Transaction/TransactionReference/DebtorName

The Debtor's Name.

Max20Text



CreditorReference

0..1

OBReadTransaction2/Data/Transaction/TransactionReference/CreditorReference

Information supplied to enable the reconciling of the payment with the items that the transfer is intended to settle, such as commercial invoices in an accounts' receivable system.

NZBECSReference1



Particulars

0..1

OBReadTransaction2/Data/Transaction/TransactionReference/CreditorReference/Particulars

Reference information, as assigned by the debtor, which when combined with Code and Reference, unambiguously refer to the payment transaction.

Max12Text



Code

0..1

OBReadTransaction2/Data/Transaction/TransactionReference/CreditorReference/Code

Reference information, as assigned by the debtor, which when combined with Particulars and Reference, unambiguously refer to the payment transaction.

Max12Text



Reference

0..1

OBReadTransaction2/Data/Transaction/TransactionReference/CreditorReference/Reference

Reference information, as assigned by the debtor, which when combined with Particulars and Code, unambiguously refer to the payment transaction.

Max12Text



DebtorReference

0..1

OBReadTransaction2/Data/Transaction/TransactionReference/DebtorReference

Information supplied to enable the reconciling of the payment with the items that the transfer is intended to settle, such as commercial invoices in an accounts' receivable system.

NZBECSReference1



Particulars

0..1

OBReadTransaction2/Data/Transaction/TransactionReference/DebtorReference/Particulars

Reference information, as assigned by the debtor, which when combined with Code and Reference, unambiguously refer to the payment transaction.

Max12Text



Code

0..1

OBReadTransaction2/Data/Transaction/TransactionReference/DebtorReference/Code

Reference information, as assigned by the debtor, which when combined with Particulars and Reference, unambiguously refer to the payment transaction.

Max12Text



Reference

0..1

OBReadTransaction2/Data/Transaction/TransactionReference/DebtorReference/Reference

Reference information, as assigned by the debtor, which when combined with Particulars and Code, unambiguously refer to the payment transaction.

Max12Text



BankTransactionCode

0..1

OBReadTransaction2/Data/Transaction/BankTransactionCode

Set of elements used to fully identify the type of underlying transaction resulting in an entry.

OBBankTransactionCodeStructure1



Code

1..1

OBReadTransaction2/Data/Transaction/BankTransactionCode/Code

Specifies the family within a domain.

ExternalBankTransactionFamily1Code



SubCode

1..1

OBReadTransaction2/Data/Transaction/BankTransactionCode/SubCode

Specifies the sub-product family within a specific family.

ExternalBankTransactionSubFamily1Code



ProprietaryBankTransactionCode

0..1

OBReadTransaction2/Data/Transaction/ProprietaryBankTransactionCode

Set of elements to fully identify a proprietary bank transaction code.

ProprietaryBankTransactionCodeStructure1



Code

1..1

OBReadTransaction2/Data/Transaction/ProprietaryBankTransactionCode/Code

Proprietary bank transaction code to identify the underlying transaction.

Max35Text



Issuer

0..1

OBReadTransaction2/Data/Transaction/ProprietaryBankTransactionCode/Issuer

Identification of the issuer of the proprietary bank transaction code.

Max35Text



Balance

0..1

OBReadTransaction2/Data/Transaction/Balance

Set of elements used to define the balance as a numerical representation of the net increases and decreases in an account after a transaction entry is applied to the account.

OBTransactionCashBalance



CreditDebitIndicator

1..1

OBReadTransaction2/Data/Transaction/Balance/CreditDebitIndicator

Indicates whether the balance is a credit or a debit balance.
Usage: A zero balance is considered to be a credit balance.

OBCreditDebitCode

Credit
Debit


Type

1..1

OBReadTransaction2/Data/Transaction/Balance/Type

Balance type, in a coded form.

OBBalanceType1Code

ClosingAvailable
ClosingBooked
Expected
ForwardAvailable
Information
InterimAvailable
InterimBooked
OpeningAvailable
OpeningBooked
PreviouslyClosedBooked


Amount

1..1

OBReadTransaction2/Data/Transaction/Balance/Amount

Amount of money of the cash balance after a transaction entry is applied to the account.

OBActiveOrHistoricCurrencyAndAmount



Amount

1..1

OBReadTransaction2/Data/Transaction/Balance/Amount/Amount

A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217.

ActiveCurrencyAndAmount_SimpleType


^\d{1,13}\.\d{1,5}$

Currency

1..1

OBReadTransaction2/Data/Transaction/Balance/Amount/Currency

A code allocated to a currency by a Maintenance Agency under an international identification scheme, as described in the latest edition of the international standard ISO 4217 "Codes for the representation of currencies and funds".

ActiveOrHistoricCurrencyCode


^[A-Z]{3,3}$

MerchantDetails

0..1

OBReadTransaction2/Data/Transaction/MerchantDetails

Details of the merchant involved in the transaction.

OBMerchantDetails1



MerchantName

0..1

OBReadTransaction2/Data/Transaction/MerchantDetails/MerchantName

Name by which the merchant is known.

Max350Text



MerchantCategoryCode

0..1

OBReadTransaction2/Data/Transaction/MerchantDetails/MerchantCategoryCode

Category code conform to ISO 18245, related to the type of services or goods the merchant provides for the transaction.

Min3Max4Text



CurrencyExchange

0..1

OBReadTransaction2/Data/Transaction/CurrencyExchange

Set of elements used to provide details of the currency exchange.

OBCurrencyExchange5



SourceCurrency

1..1

OBReadTransaction2/Data/Transaction/CurrencyExchange/SourceCurrency

Currency from which an amount is to be converted in a currency conversion.

ActiveOrHistoricCurrencyCode


^[A-Z]{3,3}$

TargetCurrency

0..1

OBReadTransaction2/Data/Transaction/CurrencyExchange/TargetCurrency

Currency into which an amount is to be converted in a currency conversion.

ActiveOrHistoricCurrencyCode


^[A-Z]{3,3}$

UnitCurrency

0..1

OBReadTransaction2/Data/Transaction/CurrencyExchange/UnitCurrency

Currency in which the rate of exchange is expressed in a currency exchange. In the example 1GBP = xxxCUR, the unit currency is GBP.

ActiveOrHistoricCurrencyCode


^[A-Z]{3,3}$

ExchangeRate

1..1

OBReadTransaction2/Data/Transaction/CurrencyExchange/ExchangeRate

Factor used to convert an amount from one currency into another. This reflects the price at which one currency was bought with another currency.

Usage: ExchangeRate expresses the ratio between UnitCurrency and QuotedCurrency (ExchangeRate = UnitCurrency/QuotedCurrency).

BaseOneRate



ContractIdentification

0..1

OBReadTransaction2/Data/Transaction/CurrencyExchange/ContractIdentification

Unique identification to unambiguously identify the foreign exchange contract.

Max35Text



QuotationDate

0..1

OBReadTransaction2/Data/Transaction/CurrencyExchange/QuotationDate

Date and time at which an exchange rate is quoted.

ISODateTime



InstructedAmount

0..1

OBReadTransaction2/Data/Transaction/CurrencyExchange/InstructedAmount

Amount of money to be moved between the debtor and creditor, before deduction of charges, expressed in the currency as ordered by the initiating party.

OBActiveOrHistoricCurrencyAndAmount



Amount

1..1

OBReadTransaction2/Data/Transaction/CurrencyExchange/InstructedAmount/Amount

A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217.

ActiveCurrencyAndAmount_SimpleType


^\d{1,13}\.\d{1,5}$

Currency

1..1

OBReadTransaction2/Data/Transaction/CurrencyExchange/InstructedAmount/Currency

A code allocated to a currency by a Maintenance Agency under an international identification scheme, as described in the latest edition of the international standard ISO 4217 "Codes for the representation of currencies and funds".

ActiveOrHistoricCurrencyCode


^[A-Z]{3,3}$

CreditorAgent

0..1

OBReadTransaction2/Data/Transaction/CreditorAgent

Financial institution servicing an account for the creditor.

OBBranchAndFinancialInstitutionIdentification2



SchemeName

1..1

OBReadTransaction2/Data/Transaction/CreditorAgent/SchemeName

Name of the identification scheme, in a coded form as published in an external list.

OBExternalFinancialInstitutionIdentification2Code

BICFI


Identification

1..1

OBReadTransaction2/Data/Transaction/CreditorAgent/Identification

Unique and unambiguous identification of a financial institution or a branch of a financial institution.

Max35Text



CreditorAccount

0..1

OBReadTransaction2/Data/Transaction/CreditorAccount

Unambiguous identification of the account of the creditor, in the case of a debit transaction.

OBCashAccount2



SchemeName

1..1

OBReadTransaction2/Data/Transaction/CreditorAccount/SchemeName

Name of the identification scheme, in a coded form as published in an external list.

OBExternalAccountIdentification3Code

BECSElectronicCredit

MaskedCardNumber


Identification

1..1

OBReadTransaction2/Data/Transaction/CreditorAccount/Identification

Identification assigned by an institution to identify an account. This identification is known by the account owner.

Max34Text



Name

0..1

OBReadTransaction2/Data/Transaction/CreditorAccount/Name

Name of the account, as assigned by the account servicing institution, in agreement with the account owner in order to provide an additional means of identification of the account.

Usage: The account name is different from the account owner name. The account name is used in certain user communities to provide a means of identifying the account, in addition to the account owner's identity and the account number.
OB: No name validation is expected for confirmation of payee.

Max70Text



SecondaryIdentification

0..1

OBReadTransaction2/Data/Transaction/CreditorAccount/SecondaryIdentification

This is secondary identification of the account, as assigned by the account servicing institution.
This can be used by building societies to additionally identify accounts with a roll number (in addition to a sort code and account number combination).

Max34Text



DebtorAgent

0..1

OBReadTransaction2/Data/Transaction/DebtorAgent

Financial institution servicing an account for the debtor.

OBBranchAndFinancialInstitutionIdentification2



SchemeName

1..1

OBReadTransaction2/Data/Transaction/DebtorAgent/SchemeName

Name of the identification scheme, in a coded form as published in an external list.

OBExternalFinancialInstitutionIdentification2Code

BICFI


Identification

1..1

OBReadTransaction2/Data/Transaction/DebtorAgent/Identification

Unique and unambiguous identification of a financial institution or a branch of a financial institution.

Max35Text



DebtorAccount

0..1

OBReadTransaction2/Data/Transaction/DebtorAccount

Unambiguous identification of the account of the debtor, in the case of a crebit transaction.

OBCashAccount2



SchemeName

1..1

OBReadTransaction2/Data/Transaction/DebtorAccount/SchemeName

Name of the identification scheme, in a coded form as published in an external list.

OBExternalAccountIdentification3Code

BECSElectronicCredit

MaskedCardNumber


Identification

1..1

OBReadTransaction2/Data/Transaction/DebtorAccount/Identification

Identification assigned by an institution to identify an account. This identification is known by the account owner.

Max34Text



Name

0..1

OBReadTransaction2/Data/Transaction/DebtorAccount/Name

Name of the account, as assigned by the account servicing institution, in agreement with the account owner in order to provide an additional means of identification of the account.

Usage: The account name is different from the account owner name. The account name is used in certain user communities to provide a means of identifying the account, in addition to the account owner's identity and the account number.

Max70Text



SecondaryIdentification

0..1

OBReadTransaction2/Data/Transaction/DebtorAccount/SecondaryIdentification

This is secondary identification of the account, as assigned by the account servicing institution.
This can be used by building societies to additionally identify accounts with a roll number (in addition to a sort code and account number combination).

Max34Text



CardInstrument

0..1

OBReadTransaction2/Data/Transaction/CardInstrument

Set of elements to describe the card instrument used in the transaction.

OBTransactionCardInstrument1



CardSchemeName

1..1

OBReadTransaction2/Data/Transaction/CardInstrument/CardSchemeName

Name of the card scheme.

OBExternalCardSchemeType1Code

AmericanExpress
Diners
Discover
MasterCard
VISA


AuthorisationType

0..1

OBReadTransaction2/Data/Transaction/CardInstrument/AuthorisationType

The card authorisation type.

OBExternalCardAuthorisationType1Code

Contactless
None
PIN


Name

0..1

OBReadTransaction2/Data/Transaction/CardInstrument/Name

Name of the cardholder using the card instrument.

Max70Text



Identification

0..1

OBReadTransaction2/Data/Transaction/CardInstrument/Identification

Identification assigned by an institution to identify the card instrument used in the transaction. This identification is known by the account owner, and must be masked.

Max34Text


Enumerations

This section gives the definitions for enumerations used.

Code Class

Name 

Definition 

OBBalanceType1Code

ClosingAvailable 

Closing balance of amount of money that is at the disposal of the account owner on the date specified. 

OBBalanceType1Code

ClosingBooked 

Balance of the account at the end of the pre-agreed account reporting period. It is the sum of the opening booked balance at the beginning of the period and all entries booked to the account during the pre-agreed account reporting period. 

OBBalanceType1Code

Expected 

Balance, composed of booked entries and pending items known at the time of calculation , which projects the end of day balance if everything is booked on the account and no other entry is posted. 

OBBalanceType1Code

ForwardAvailable 

Forward available balance of money that is at the disposal of the account owner on the date specified. 

OBBalanceType1Code

Information 

Balance for informational purposes. 

OBBalanceType1Code

InterimAvailable 

Opening booked balance, plus today's credits, plus overdraft facility (if held) minus today debits, minus uncleared funds (note: uncleared funds equal the total of uncleared banked minus any  uncleared funds amount held). This is the total available funds the customer is able to access.

E.g. Interim Available Balance = Opening Booked Balance + Today's Credits + Overdraft Limit - Today's Debits - Uncleared Funds

OBBalanceType1Code

InterimBooked 

This balance will be calculated at individual bank level as per existing internal definitions to ensure consistency for customers. What is included in the displayed balance may differ between banks.

E.g. The balance of the account at a point in time / intraday / real time when requested, which may or may not include uncleared funds.

OBBalanceType1Code

OpeningAvailable 

Opening balance of amount of money that is at the disposal of the account owner on the date specified. 

OBBalanceType1Code

OpeningBooked 

Opening Balance of an account at the end of batch processing that interest and fees are calculated on. This is the same balance as Previously Closed Booked Balance.

Includes any uncleared funds, regardless of uncleared funds limits. E.g. balance after end of day process.

OBBalanceType1Code

PreviouslyClosedBooked 

Balance of the account at the previously closed account reporting period. The opening booked balance for the new period has to be equal to this balance.
Usage: the previously booked closing balance should equal (inclusive date) the booked closing balance of the date it references and equal the actual booked opening balance of the current date. 

OBCreditDebitCode

Credit

Operation is a credit

OBCreditDebitCode

Debit

Operation is a debit

OBEntryStatus1Code

Booked

Booked means that the transfer of money has been completed between account servicer and account owner
Usage:
Status Booked does not necessarily imply finality of money as this depends on other factors such as the payment system used, the completion of the end- to-end transaction and the terms agreed between account servicer and owner.
Status Booked is the only status that can be reversed.

OBEntryStatus1Code

Pending

Booking on the account owner's account in the account servicer's ledger has not been completed.
Usage: this can be used for expected items, or for items for which some conditions still need to be fulfilled before they can be booked. If booking takes place, the entry will be included with status Booked in subsequent account report or statement. Status Pending cannot be reversed.

OBExternalAccountIdentification3Code

BECSElectronricCredit

BECS Electronic Credit - identifier scheme used in  NZ by financial institutions to identify the account of a customer. The identifier is bank-branch-account-suffix.
The regular expression for this identifier is: ^[0-9]{2}-[0-9]{4}-[0-9]{7}-[0-9]{2}$

OBExternalAccountIdentification3Code

MaskedCardNumber

Masked credit card number. This masked credit card number is the card identification number exactly as it is presented to the Customer in the API Provider’s online portal.

OBExternalFinancialInstitutionIdentification2Code

BICFI

Valid BICs for financial institutions are registered by the ISO 9362 Registration Authority in the BIC directory, and consist of eight (8) or eleven (11) contiguous characters.

OBExternalCardAuthorisationType1Code

Contactless

Card authorisation was via Contactless.

OBExternalCardAuthorisationType1Code

None

No card authorisation was used.

OBExternalCardAuthorisationType1Code

PIN

Card authorisation was via PIN.

OBExternalCardSchemeType1Code

AmericanExpress

AmericanExpress scheme.

OBExternalCardSchemeType1Code

Diners

Diners scheme.

OBExternalCardSchemeType1Code

Discover

Discover scheme.

OBExternalCardSchemeType1Code

MasterCard

MasterCard scheme.

OBExternalCardSchemeType1Code

VISA

VISA scheme.

Usage Examples

Specific Account

Retrieving transactions for a specific account.

Request

Get Account Transactions Request

GET /accounts/22289/transactions HTTP/1.1
Authorization: Bearer Az90SAOJklae
x-fapi-auth-date: Sun, 10 Sep 2017 19:43:31 UTC
x-fapi-customer-ip-address: 104.25.212.99
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Accept: application/json


Response

Get Account Transactions Response

HTTP/1.1 200 OK
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json

{
  "Data": {
    "Transaction": [
      {
        "AccountId": "22289",
        "TransactionId": "123",        
        "TransactionReference": {
          "CreditorName": "Party being paid",
          "CreditorReference": {
            "Particulars": "Part1",
            "Code": "Code1",
            "Reference": "Ref1"
          },
          "DebtorName": "Party paying",
          "DebtorReference": {
            "Particulars": "Part2",
            "Code": "Code2",
            "Reference": "Ref2"
          }
        },
        "Amount": {
          "Amount": "10.00",
          "Currency": "NZD"
        },
        "CreditDebitIndicator": "Credit",
        "Status": "Booked",
        "BookingDateTime": "2017-04-05T10:43:07+00:00",
        "ValueDateTime": "2017-04-05T10:45:22+00:00",
        "TransactionInformation": "Cash from Aubrey",
        "BankTransactionCode": {
          "Code": "ReceivedCreditTransfer",
          "SubCode": "DomesticCreditTransfer"
        },
        "ProprietaryBankTransactionCode": {
          "Code": "Transfer",
          "Issuer": "ExampleBank"
        },
        "Balance": {
          "Amount": {
            "Amount": "230.00",
            "Currency": "NZD"
          },
          "CreditDebitIndicator": "Credit",
          "Type": "InterimBooked"
        }
      }
    ]
  },
  "Links": {
    "Self": "https://api.examplebank.co.nz/open-banking-nz/v2.1/accounts/22289/transactions"
  },
  "Meta": {
    "TotalPages": 1,
	"FirstAvailableDateTime": "2017-05-03T00:00:00+00:00",
	"LastAvailableDateTime": "2017-12-03T00:00:00+00:00"
  }
}

Bulk

Retrieving transactions for all accounts linked to the account-access-consent.

None of the transactions included in the payload are Ecommerce transactions - so MerchantDetails are not included in the examples.

Request

Get Transactions Request

GET /transactions HTTP/1.1
Authorization: Bearer Az90SAOJklae
x-fapi-auth-date: Sun, 10 Sep 2017 19:43:31 UTC
x-fapi-customer-ip-address: 104.25.212.99
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Accept: application/json


Response

Get Transactions Response

HTTP/1.1 200 OK 
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json

{
  "Data": {
    "Transaction": [
      {
        "AccountId": "22289",
        "TransactionId": "123",
        "TransactionReference": {
          "CreditorName": "Party being paid",
          "CreditorReference": {
            "Particulars": "Part1",
            "Code": "Code1",
            "Reference": "Ref1"
          },
          "DebtorName": "Party paying",
          "DebtorReference": {
            "Particulars": "Part2",
            "Code": "Code2",
            "Reference": "Ref2"
          }
        },
        "Amount": {
          "Amount": "10.00",
          "Currency": "NZD"
        },
        "CreditDebitIndicator": "Credit",
        "Status": "Booked",
        "BookingDateTime": "date",
        "ValueDateTime": "2017-04-05T10:45:22+00:00",
        "TransactionInformation": "Cash from Aubrey",
        "BankTransactionCode": {
          "Code": "ReceivedCreditTransfer",
          "SubCode": "DomesticCreditTransfer"
        },
        "ProprietaryBankTransactionCode": {
          "Code": "Transfer",
          "Issuer": "ExampleBank"
        },
        "Balance": {
          "Amount": {
            "Amount": "230.00",
            "Currency": "NZD"
          },
          "CreditDebitIndicator": "Credit",
          "Type": "InterimBooked"
        }
      },
      {
        "AccountId": "31820",
        "TransactionId": "567",
        "TransactionReference": {
          "CreditorName": "Mr Tee",
          "CreditorReference": {
            "Particulars": "Part 124",
            "Code": "Code 124",
            "Reference": "Ref 124"
          },
          "DebtorName": "Mrs Tee",
          "DebtorReference": {
            "Particulars": "Part 124",
            "Code": "Code 124",
            "Reference": "Ref 124"
          }
        },
        "Amount": {
          "Amount": "100.00",
          "Currency": "NZD"
        },
        "CreditDebitIndicator": "Debit",
        "Status": "Booked",
        "BookingDateTime": "2017-05-02T14:22:09+00:00",
        "ValueDateTime": "2017-05-02T14:22:09+00:00",
        "TransactionInformation": "Paid the gas bill",
        "AddressLine": "Coventry",
        "BankTransactionCode": {
          "Code": "IssuedCreditTransfer",
          "SubCode": "AutomaticTransfer"
        },
        "ProprietaryBankTransactionCode": {
          "Code": "DirectDebit",
          "Issuer": "ExampleBank"
        },
        "Balance": {
          "Amount": {
            "Amount": "57.36",
            "Currency": "NZD"
          },
          "CreditDebitIndicator": "Debit",
          "Type": "InterimBooked"
        }
      }
    ]
  },
  "Links": {
    "Self": "https://api.examplebank.co.nz/open-banking-nz/v2.1/accounts/22289/transactions"
  },
  "Meta": {
    "TotalPages": 1,
	"FirstAvailableDateTime": "2017-05-03T00:00:00+00:00",
	"LastAvailableDateTime": "2017-12-03T00:00:00+00:00"
  }
}

No Access

In this example - the Third Party does not have access to call the transactions endpoint. This will result in a 403 error.

Request

GET Account Transactions Request

GET /accounts/22289/transactions HTTP/1.1
Authorization: Bearer Az90SAOJklae
x-fapi-auth-date: Sun, 10 Sep 2017 19:43:31 UTC
x-fapi-customer-ip-address: 104.25.212.99
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Accept: application/json

Response

GET Account Transactions Response

HTTP/1.1 403 Forbidden 
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
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