1 Version Control
2 Definition
3 Endpoints
- 3.1 POST /enduring-payment-consents
  - 3.1.1 Flow
  - 3.1.2 Status
- 3.2 GET /enduring-payment-consents/{ConsentId}
  - 3.2.1 Status
- 3.3 DELETE /enduring-payment-consents/{ConsentId}
4 State Model
- 4.1 Diagram
- 4.2 Definitions
5 Data Model
- 5.1 Reused Classes
  - 5.1.1 NZEnduringConsent1
- 5.2 Enduring Payment Consent - Request
  - 5.2.1 UML Diagram
  - 5.2.2 Notes
  - 5.2.3 Data Dictionary
- 5.3 Enduring Payment Consent - Response
  - 5.3.1 UML Diagram
  - 5.3.2 Notes
  - 5.3.3 Data Dictionary
6 Usage Examples
- 6.1 Generic Flow
  - 6.1.1 Sequence Diagram
  - 6.1.2 Illustrative Interactions
- 6.2 Subscription
  - 6.2.1 Illustrative Interactions
- 6.3 Direct Model
  - 6.3.1 Illustrative Interactions

Version Control

Version	Date	Author	Comments

Version

Date

Author

Comments

2.0.0

Apr 30, 2020

Payments NZ API Working Group

Baseline

2.1-draft1

Jun 15, 2020

@Gavin Wong (Unlicensed)

Updated:

Usage Example version from v2.0 to v2.1

Definition

The enduring-payment-consents resource represents long lived payment-order consents that have been agreed between the Customer and the Third Party, and contains fields which describe the parameters for payment-order(s) that may be initiated by a Third Party on behalf of a Customer.

The Status of the payment-order consent represents the authentication and authorisation stage with the API Provider.

Endpoints

The enduring-payment-consent endpoints are all optional to implement. However, if the enduring-payment-consent functionality is implemented, all endpoints must be implemented together.

Resource	HTTP Operation	Endpoint	Mandatory ?	Scope	Grant Type	Idempotency Key	Request Object	Response Object

Resource	HTTP Operation	Endpoint	Mandatory ?	Scope	Grant Type	Idempotency Key	Request Object	Response Object
enduring-payment-consents	POST	POST /enduring-payment-consents	Optional	payments	Client Credentials	Yes	NZWriteEnduringConsent1	NZWriteEnduringConsentResponse1
enduring-payment-consents	GET	GET /enduring-payment-consents/{ConsentId}	Optional	payments	Client Credentials	No	NA	NZWriteEnduringConsentResponse1
enduring-payment-consents	DELETE	DELETE /enduring-payment-consents/{ConsentId}	Optional	payments	Client Credentials	No	NA	NA

POST /enduring-payment-consents

The API endpoint allows a Third Party to ask an API Provider to create a new enduring-payment-consent.

The Third Party does this with the POST /enduring-payment-consents action.
The Third Party must have an access token issued by the API Provider using a client credentials grant.
The API endpoint allows the Third Party to send a copy of the consent (between Customer and Third Party) to the API Provider.
The API Provider creates the enduring-payment-consent and responds with a unique ConsentId to refer to the consent.
At the point the consent is created, the consent has not been authorised.
The enduring-payment-consent is only valid for 24 hours if not authorised by the Customer.

Flow

The Third Party uses the ConsentId to initiate an authorisation flow (as described in the Security Profile).

As part of the authorisation flow:

The API Provider authenticates the Customer.
The API Provider plays back the consent (registered by the Third Party) back to the Customer - to get consent authorisation. The Customer may accept or reject the consent in its entirety (but not selectively).
If the enduring-payment-consent does not indicate a debtor account, the API Provider presents the Customer a list of accounts from which the Customer must select one.

Once these steps are complete, the consent is considered to have been authorised by the Customer and the Status is updated to "Authorised".

Status

The Status is "AwaitingAuthorisation" immediately after the enduring-payment-consent has been created.

GET /enduring-payment-consents/{ConsentId}

A Third Party may optionally retrieve an enduring-payment-consent that they have created to check its status.

The Third Party does this with the GET /enduring-payment-consents/{ConsentId} action - where the ConsentId relates to the enduring-payment-consent to be retrieved.
The Third Party must have an access token issued by the API Provider using a client credentials grant.

Status

The available status codes for the enduring-payment-consent are:

AwaitingAuthorisation
Rejected
Authorised
Revoked

DELETE /enduring-payment-consents/{ConsentId}

If the Customer revokes the enduring-payment-consent with the Third Party - the Third Party must delete the enduring-payment-consent.

The Third Party does this with the DELETE /enduring-payment-consents/{ConsentId} action - where the ConsentId relates to the enduring-payment-consent to be deleted.
The Third Party must have an access token issued by the API Provider using a client credentials grant.

State Model

The state model for an enduring-payment-consent follows a long lived consent state model.

When the Third Party creates the payment-order consent with the API Provider, the Status of the payment-order consent will be set to AwaitingAuthorisation.
When the Customer authorises the payment-order consent with the API Provider, the Status of the payment-order consent will be updated with Authorised.
If the Customer rejects the consent or the payment-order consent has failed some other API Provider validation, the Status of the payment-order consent will be set to Rejected.
If the Customer revokes the payment-order consent in the Authorised Status with the API Provider, the Status of the payment-order consent will be set to Revoked.

Diagram

This is the state diagram for the status of an enduring-payment-consent.

Definitions

	Status	Status Description

	Status	Status Description
1	AwaitingAuthorisation	The consent resource is awaiting Customer authorisation. This is an initial state.
2	Rejected	The consent resource has been rejected. This is a terminal state. Does not distinguish between failure reasons - e.g. authorisation failed or bank rejected.
3	Authorised	The consent resource has been successfully authorised. This is an intermediate state.
4	Revoked	The consent resource has been revoked via the API Provider interface. This is a terminal state.

Data Model

The data dictionary section gives detail on the payload content for the enduring-payment-consent flows.

Reused Classes

NZEnduringConsent1

This section describes the NZEnduringConsent1 class which is reused in the enduring-payment-consent.

UML Diagram

Notes

In an enduring-payment consent-payload:
- If an enduring-payment-consent parameter is not specified, the API Provider must not enforce a specific limit for the use of the enduring-payment-consent. E.g., if no TotalAmount is specified, there is no specific restriction on the total of all successful InstructedAmount(s) that may be initiated during the lifetime of the enduring-payment-consent.
- The FromDateTime is mandatory as it defines the start date for the Frequency/Period to be calculated.
- The ToDateTime is optional as the enduring-payment-consent may be valid for an indefinite period.
- The TotalCount is optional and specifies the total number of successful payment-orders that may be created using the enduring-payment-consent. The total number of successful payment-orders is defined as the number of successfully created domestic-payments in the AcceptedSettlementInProgress or AcceptedSettlementCompleted state.
- The TotalAmount is optional and specifies the total amount of successful payment-orders that may be created using the enduring-payment-consent. The total amount of successful payment-orders is defined as the sum total of the InstructedAmount(s) of successfully created domestic-payments in the AcceptedSettlementInProgress or AcceptedSettlementCompleted state.
- The MaximumAmount is mandatory and specifies the maximum individual amount for a payment-order that may be created using the enduring-payment-consent. A Customer and Third Party may still agree a fixed amount for payment-orders, as long as it is under the MaximumAmount.
- The Frequency object is mandatory and specifies constraints on the payment-orders that may be initiated within a "period" from the FromDateTime:
  - A period from the FromDateTime is calculated with the FromDateTime being fixed. E.g.,
    - A "Monthly" period with a FromDateTime 2019-08-21T00:00:00 will have periods defined as
      - 2019-08-21T00:00:00 to 2019-09-20T23:59:59
      - 2019-09-21T00:00:00 to 2019-10-20T23:59:59
      - 2019-10-21T00:00:00 to 2019-11-20T23:59:59
      - Etc
    - A "Weekly" period with a FromDateTime 2019-08-21T00:00:00 will have periods defined as
      - 2019-08-21T00:00:00 to 2019-08-27T23:59:59
      - 2019-08-28T00:00:00 to 2019-09-03T23:59:59
      - 2019-09-04T00:00:00 to 2019-09-10T23:59:59
      - Etc
  - The Frequency/Period is mandatory and specifies a rolling period to measure the total count or total amount of successful payment-orders.
  - The Frequency/TotalCount is optional and specifies the total number of successful payment-orders that may be initiated within a Frequency/Period.
  - The Frequency/TotalAmount is mandatory and specifies the total amount of successful payment-orders that may be created within a Frequency/Period.
- The DebtorAccount is optional - as the Third Party may not know the account identification details for the Customer.
- If the DebtorAccount is not specified in the payload, the Customer must select one valid DebtorAccount during the authorisation flow with the API Provider.
- The CreditorAccount is mandatory - the Third Party may be given consent to initiate payments to one or many specified CreditorAccount(s).
- The DebtorAccountRelease flag is optional - if set to true it indicates that the Customer has consented to releasing their debtor account details
- API Providers must reject an enduring-payment-consent under these scenarios:
  - If the DebtorAccount is not valid.
  - If the SchemeName is not valid.
  - If the Currency is not supported.
  - If the ToDateTime value is in the past.
  - If the ToDateTime is not greater than the FromDateTime.
  - If the Frequency/Period is not supported.
- API Providers may reject an enduring-payment-consent depending on their own implementations:
  - If the Frequency, MaximumAmount, TotalCount or TotalAmount values exceed implemented limits.
  - If the CreditorAccount is not valid.
A payment-order created using an enduring-payment-consent:
- must be created with the API Provider between the FromDateTime and ToDateTime in the enduring-payment-consent.
- must not have an InstructedAmount that exceeds the MaximumAmount in the enduring-payment-consent.
- must be rejected if the cumulative successful payments initiated (including the current payment) via the Payment APIs exceed the limits (i.e., the TotalCount, TotalAmount) in the enduring-payment-consent.
- must be rejected if the cumulative successful payments initiated (including the current payment) via the Payment APIs for the specified period from the FromDateTime (i.e., the Frequency/Period) exceed the limits for the specified period (i.e., Frequency/TotalCount, Frequency/TotalAmount) in the enduring-payment-consent,
- must have a DebtorAccount specified that matches the DebtorAccount linked to the enduring-payment-consent. This DebtorAccount linked to an enduring-payment-consent must not be modified by the Customer with the API Provider after authorisation.
- must have a CreditorAccount specified that matches one of the CreditorAccount values in the enduring-payment-consent.

Data Dictionary

Name	Occurrence	XPath	Notes	Class	Codes

Name	Occurrence	XPath	Notes	Class	Codes
NZEnduringConsent1		NZEnduringConsent1	The Consent payload is sent by the Third Party to the API Provider. It is used to request a long lived payment consent to move funds from a debtor account to a creditor.	NZEnduringConsent1
FromDateTime	1..1	NZEnduringConsent1/FromDateTime	Start date time for which the enduring payment consent remains valid.	ISODateTime
ToDateTime	0..1	NZEnduringConsent1/ToDateTime	End date time for which the enduring payment consent remains valid.	ISODateTime
TotalCount	0..1	NZEnduringConsent1/TotalCount	Maximum number of instructions to be created and processed for the enduring payment consent.	DecimalNumber
DebtorAccountRelease	0..1	NZEnduringConsent1/DebtorAccountRelease	Flags whether the Customer has consented with the Third Party to release their debtor account information.	xs:boolean
TotalAmount	0..1	NZEnduringConsent1/TotalAmount	Maximum amount of money to be moved between the debtor and creditor as a cumulative total for the duration of the enduring payment consent, before deduction of charges, expressed in the currency as ordered by the initiating party.	OBActiveOrHistoricCurrencyAndAmount
Amount	1..1	NZEnduringConsent1/TotalAmount/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	NZEnduringConsent1/TotalAmount/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}$
MaximumAmount	1..1	NZEnduringConsent1/MaximumAmount	Maximum amount of money to be moved between the debtor and creditor for an individual payment, before deduction of charges, expressed in the currency as ordered by the initiating party.	OBActiveOrHistoricCurrencyAndAmount
Amount	1..1	NZEnduringConsent1/MaximumAmount/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	NZEnduringConsent1/MaximumAmount/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}$
Frequency	1..1	NZEnduringConsent1/Frequency	The payment limits for a specified period.	NZEnduringFrequency1
Period	1..1	NZEnduringConsent1/Frequency/Period	Period for which the number of instructions are to be created and processed.	Frequency6Code	Annual Daily Fortnightly Monthly Weekly
TotalCount	0..1	NZEnduringConsent1/Frequency/TotalCount	Maximum number of instructions to be created and processed during the specified period.	DecimalNumber
TotalAmount	1..1	NZEnduringConsent1/Frequency/TotalAmount	Maximum amount of money to be moved between the debtor and creditor during the period specified, before deduction of charges, expressed in the currency as ordered by the initiating party.	OBActiveOrHistoricCurrencyAndAmount
Amount	1..1	NZEnduringConsent1/Frequency/TotalAmount/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	NZEnduringConsent1/Frequency/TotalAmount/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}$
DebtorAccount	0..1	NZEnduringConsent1/DebtorAccount	Unambiguous identification of the account of the debtor to which a debit entry will be made as a result of the transaction.	OBCashAccountDebtor1
SchemeName	1..1	NZEnduringConsent1/DebtorAccount/SchemeName	Name of the identification scheme, in a coded form as published in an external list.	OBExternalAccountIdentification2Code	BECSElectronicCredit
Identification	1..1	NZEnduringConsent1/DebtorAccount/Identification	Identification assigned by an institution to identify an account. This identification is known by the account owner. For the NZ market, this will use the hyphen-delimited format: 2-4-7-2 where this is made up of bank-branch-account-suffix and each of the four components is a number, prepended with leading zeros to match the component length requirement. For example 12-0123-0012345-00	Max34Text
Name	0..1	NZEnduringConsent1/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	NZEnduringConsent1/DebtorAccount/SecondaryIdentification	This is secondary identification of the account, as assigned by the account servicing institution.	Max34Text
CreditorAccount	1..n	NZEnduringConsent1/CreditorAccount	Unambiguous identification of the account of the creditor to which a credit entry will be posted as a result of the payment transaction.	OBCashAccountCreditor1
SchemeName	1..1	NZEnduringConsent1/CreditorAccount/SchemeName	Name of the identification scheme, in a coded form as published in an external list.	OBExternalAccountIdentification2Code	BECSElectronicCredit
Identification	1..1	NZEnduringConsent1/CreditorAccount/Identification	Identification assigned by an institution to identify an account. This identification is known by the account owner. For the NZ market, this will use the hyphen-delimited format: 2-4-7-2 where this is made up of bank-branch-account-suffix and each of the four components is a number, prepended with leading zeros to match the component length requirement. For example 12-0123-0012345-00	Max34Text
Name	1..1	NZEnduringConsent1/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	NZEnduringConsent1/CreditorAccount/SecondaryIdentification	This is secondary identification of the account, as assigned by the account servicing institution.	Max34Text

Enduring Payment Consent - Request

The NZWriteEnduringConsent1 object will be used for the call to:

POST /enduring-payment-consents

UML Diagram

Notes

The enduring-payment-consent request contains these objects:

Consent
Risk

Data Dictionary

Name	Occurrence	XPath	Notes	Class	Codes

Name	Occurrence	XPath	Notes	Class
NZWriteEnduringConsent1		NZWriteEnduringConsent1		NZWriteEnduringConsent1
Data	1..1	NZWriteEnduringConsent1/Data		NZWriteDataEnduringConsent1
Consent	1..1	NZWriteEnduringConsent1/Data/Consent	The enduring payment consent payload is sent by the Third Party to the API Provider.	NZEnduringConsent1
Risk	1..1	NZWriteEnduringConsent1/Risk	The Risk section is sent by the initiating party to the API Provider. It is used to specify additional details for risk scoring.	NZRisk1

Enduring Payment Consent - Response

The NZWriteEnduringConsentResponse1 object will be used for a call to:

POST /enduring-payment-consents
GET /enduring-payment-consents/{ConsentId}

UML Diagram

Notes

The enduring-payment-consent response contains the full original payload from the enduring-payment-consent request, with the additional elements below:
- ConsentId
- Status
- CreatedDateTime
- StatusUpdateDateTime

Data Dictionary

Name	Occurrence	XPath	Notes	Class	Codes

Name	Occurrence	XPath	Notes	Class	Codes
NZWriteEnduringConsentResponse1		NZWriteEnduringConsentResponse1	NZWriteEnduringConsentResponse1
Data	1..1	NZWriteEnduringConsentResponse1/Data	NZWriteDataEnduringConsentResponse1
ConsentId	1..1	NZWriteEnduringConsentResponse1/Data/ConsentId	Unique identification as assigned by the API Provider to uniquely identify the enduring payment consent.	Max128Text
CreationDateTime	1..1	NZWriteEnduringConsentResponse1/Data/CreationDateTime	Date and time at which the consent was created.	ISODateTime
Status	1..1	NZWriteEnduringConsentResponse1/Data/Status	Specifies the status of consent in code form.	OBExternalConsentStatus1Code	Authorised AwaitingAuthorisation Rejected Revoked
StatusUpdateDateTime	1..1	NZWriteEnduringConsentResponse1/Data/StatusUpdateDateTime	Date and time at which the consent status was updated.	ISODateTime
Consent	1..1	NZWriteEnduringConsentResponse1/Data/Consent	The Consent payload is sent by the Third Party to the API Provider. It is used to request a long lived payment consent to move funds from a debtor account to a creditor.	NZEnduringConsent1
Risk	1..1	NZWriteEnduringConsentResponse1/Risk	The Risk section is sent by the initiating party to the API Provider. It is used to specify additional details for risk scoring.	NZRisk1

Usage Examples

Generic Flow

This example set of flows and payload examples are for a Third Party staging an enduring-payment-consent with an API Provider on behalf of a Customer.

Sequence Diagram

participant Customer
participant Third Party
participant API Provider Authorisation Server
participant API Provider Resource Server

note over Customer, API Provider Resource Server
Step 1: Agree Enduring Payment Consent
end note
Customer -> Third Party: Agree enduring payment consent

note over Customer, API Provider Resource Server
Step 2: Create Enduring Payment Consent
end note
Third Party <-> API Provider Authorisation Server: Establish TLS 1.2 MA
Third Party -> API Provider Authorisation Server: Initiate Client Credentials Grant
API Provider Authorisation Server -> Third Party: Return access-token
Third Party <-> API Provider Resource Server: Establish TLS 1.2 MA
Third Party -> API Provider Resource Server: POST /enduring-payment-consents
note over API Provider Resource Server: Consent Status: AwaitingAuthorisation
API Provider Resource Server -> Third Party: HTTP 201 (Created), ConsentId

note over Customer, API Provider Resource Server
Step 3: Authorise Consent
end note
alt Redirection (Using authorization code grant)
Third Party -> Customer: HTTP 302 (Found), Redirect (ConsentId)
Customer -> API Provider Authorisation Server: Follow redirect (ConsentId)
Customer <-> API Provider Authorisation Server: Authenticate
Customer <-> API Provider Authorisation Server: Select debtor account if required
Customer <-> API Provider Authorisation Server: Authorise consent
note over API Provider Resource Server: Consent Status: Authorised
API Provider Authorisation Server -> Customer: HTTP 302 (Found), Redirect (authorization-code)
Customer -> Third Party: Follow redirect (authorization-code)
Third Party <-> API Provider Authorisation Server: Establish TLS 1.2 MA
Third Party -> API Provider Authorisation Server: Exchange authorization-code for access token
API Provider Authorisation Server -> Third Party: Return access-token
else Decoupled (Using CIBA)
Third Party -> API Provider Authorisation Server: POST /bc-authorize (login_hint_token)
API Provider Authorisation Server -> Third Party: OK

Customer -> API Provider Authorisation Server: Authorise (Consent Id)
Customer <-> API Provider Authorisation Server: Authenticate
Customer <-> API Provider Authorisation Server: Select debtor account if required
Customer <-> API Provider Authorisation Server: Authorise consent
note over API Provider Resource Server: Consent Status: Authorised

alt Using callback
API Provider Authorisation Server -> Third Party: Callback (authorization-code)
Third Party <-> API Provider Authorisation Server: Establish TLS 1.2 MA
Third Party -> API Provider Authorisation Server: Exchange authorization-code for access token
API Provider Authorisation Server -> Third Party: Return access-token
else Using polling
Third Party <-> API Provider Authorisation Server: Establish TLS 1.2 MA
Third Party -> API Provider Authorisation Server: Poll at /token using auth-req-id
API Provider Authorisation Server -> Third Party: Return access-token
end alt
end alt

note over Customer, API Provider Resource Server
Step 5: Retrieve Status
end note

opt enduring-payment-consents
Third Party <-> API Provider Resource Server: Establish TLS 1.2 MA
Third Party -> API Provider Resource Server: GET /enduring-payment-consents/{ConsentId}
API Provider Resource Server -> Third Party: HTTP 200 (OK) enduring-payment-consent resource
end opt

Illustrative Interactions

Create Enduring Payment Consent

Request

POST /enduring-payment-consents HTTP/1.1
Authorization: Bearer 2YotnFZFEjr1zCsicMWpAA
x-idempotency-key: FRESCO.21302.GFX.20
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
Content-Type: application/json
Accept: application/json
 
{
	"Data": {
		"Consent": {
			"FromDateTime": "2019-05-05T00:00:00+00:00",
			"MaximumAmount": {
				"Amount": "100.00",
				"Currency": "NZD"
			},
			"TotalAmount": {
				"Amount": "10000.00",
				"Currency": "NZD"
			},
			"Frequency": {
				"Period": "Monthly",
				"TotalAmount": {
					"Amount": "1000.00",
					"Currency": "NZD"
				}
			},
			"CreditorAccount": [{
				"SchemeName": "BECSElectronicCredit",
				"Identification": "12-1234-1234567-12",
				"Name": "ACME Inc"
			}]
		}
	},
	"Risk": {
		"PaymentContextCode": "BillPayment"
	}
}

Response

HTTP/1.1 201 Created
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json
 
{
	"Data": {
		"ConsentId": "89887",
		"Status": "AwaitingAuthorisation",
		"CreationDateTime": "2019-05-05T15:15:13+00:00",
		"StatusUpdateDateTime": "2019-05-05T15:15:13+00:00",
		"Consent": {
			"FromDateTime": "2019-05-05T00:00:00+00:00",
			"MaximumAmount": {
				"Amount": "100.00",
				"Currency": "NZD"
			},
			"TotalAmount": {
				"Amount": "10000.00",
				"Currency": "NZD"
			},
			"Frequency": {
				"Period": "Monthly",
				"TotalAmount": {
					"Amount": "1000.00",
					"Currency": "NZD"
				}
			},
			"CreditorAccount": [{
				"SchemeName": "BECSElectronicCredit",
				"Identification": "12-1234-1234567-12",
				"Name": "ACME Inc"
			}]
		}
	},
	"Risk": {
		"PaymentContextCode": "BillPayment"
	},
	"Links": {
		"Self": "https://api.alphabank.com/open-banking-nz/v2.1/enduring-payment-consents/89887"
	},
	"Meta": {
		"TotalPages": 1
	}
}

Retrieve Enduring Payment Consent

Request

Response

Delete Enduring Payment Consent

Request

Response

Subscription

The generic flow for setting up an enduring-payment-consent remains the same. However, the consent payload differs depending on the scenario.

In this scenario:

The payment-order using the enduring-payment-consent is for the same fixed amount for a regular monthly subscription.
- The MaximumAmount is set to the maximum of NZD 100.
- The Frequency is set to 1 successful payment per month.
- The CreditorAccount is set to the account of the merchant.

Illustrative Interactions

Create Enduring Payment Consent

Request

Response

Direct Model

The generic flow for setting up an enduring-payment-consent remains the same. However, the consent payload differs depending on the scenario.

Enduring Payment Consents - v2.1.0

Version Control

Definition

Endpoints

POST /enduring-payment-consents

Flow

Status

GET /enduring-payment-consents/{ConsentId}

Status

DELETE /enduring-payment-consents/{ConsentId}

State Model

Diagram

Definitions

Data Model

Reused Classes

NZEnduringConsent1

UML Diagram

Notes

Data Dictionary

Enduring Payment Consent - Request

UML Diagram

Notes

Data Dictionary

Enduring Payment Consent - Response

UML Diagram

Notes

Data Dictionary

Usage Examples

Generic Flow

Sequence Diagram

Illustrative Interactions

Create Enduring Payment Consent

Request

Response

Retrieve Enduring Payment Consent

Request

Response

Delete Enduring Payment Consent

Request

Response

Subscription

Illustrative Interactions

Create Enduring Payment Consent

Request

Response

Direct Model

Illustrative Interactions

Create Enduring Payment Consent

Request

Response