1 Version Control
2 Definition
3 Endpoints
- 3.1 GET /accounts/{AccountId}/standing-orders
- 3.2 GET /standing-orders
4 Data Model
- 4.1 UML Diagram
- 4.2 Permission Codes
- 4.3 Data Dictionary
- 4.4 Enumerations
5 Usage Examples
- 5.1 Specific Account
  - 5.1.1 Request
    - 5.1.1.1 Get Accounts Standing Orders Request
  - 5.1.2 Response
    - 5.1.2.1 Get Accounts Standing Orders Response
- 5.2 Bulk
  - 5.2.1 Request
    - 5.2.1.1 Get Standing Orders Request
  - 5.2.2 Response
    - 5.2.2.1 Get Standing Orders Response

Version Control

Definition

A resource that contains a set of elements that describes the list of standing-orders that have been set up on a specific account (AccountId).

An account (AccountId) may have no standing-orders set up, or may have multiple standing-orders set up.

Endpoints

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

Resource

Endpoint

Mandatory?

Scope

Grant Type

Idempotency Key

Parameters

Request Object

Response Object

standing-orders

GET /accounts/{AccountId}/standing-orders

Optional

accounts

Redirect Flow; or

Decoupled Flow

No

OBReadStandingOrder2

standing-orders

GET /standing-orders

Optional

accounts

Redirect Flow; or

Decoupled Flow

No

Pagination

OBReadStandingOrder2

GET /accounts/{AccountId}/standing-orders

The API endpoint allows a Third Party to retrieve the standing-orders for a specific account identified by AccountId.

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

GET /standing-orders

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

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 standing-orders for all accounts linked to the account-access-consent.

Data Model

The OBReadStandingOrder2 object will be used for the call to:

GET /accounts/{AccountId}/standing-orders
GET /standing-orders

UML Diagram

Notes:

The Account and Creditor blocks replicate what is used consistently throughout the Account Information APIs to identify an account.
For the /accounts/{AccountId}/standing-orders endpoint - the Account and Creditor blocks represent the account that is receiving funds (so has been named the CreditorAccount - for consistency with the Payment Initiation use case).
A DateTime element has been used - so that there is consistency across all API endpoints using dates. 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 Amount elements all have embedded Currency elements - for consistency is ISO 20022, and across the other API endpoints

Permission Codes

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

These objects must not be returned without the ReadStandingOrdersDetail permission:
- OBReadStandingOrder2/Data/StandingOrder/CreditorAgent
- OBReadStandingOrder2/Data/StandingOrder/CreditorAccount
If the ReadStandingOrdersDetail is granted by the Customer:
- OBReadStandingOrder2/Data/StandingOrder/CreditorAgent may be returned if applicable to the account and API Provider (0..1)
- OBReadStandingOrder2/Data/StandingOrder/CreditorAccount must be returned (1..1)

Data Dictionary

Name	Occurrence	XPath	EnhancedDefinition	Class	Codes

Name	Occurrence	XPath	EnhancedDefinition	Class	Codes
OBReadStandingOrder2		OBReadStandingOrder2		OBReadStandingOrder2
Data	1..1	OBReadStandingOrder2/Data		OBReadDataStandingOrder2
StandingOrder	0..n	OBReadStandingOrder2/Data/StandingOrder		OBStandingOrder2
AccountId	1..1	OBReadStandingOrder2/Data/StandingOrder/AccountId	A unique and immutable identifier used to identify the account resource. This identifier has no meaning to the account owner.	Max40Text
StandingOrderId	0..1	OBReadStandingOrder2/Data/StandingOrder/StandingOrderId	A unique and immutable identifier used to identify the standing order resource. This identifier has no meaning to the account owner.	Max40Text
Frequency	1..1	OBReadStandingOrder2/Data/StandingOrder/Frequency	Individual Definitions: EvryDay - Every day EvryWorkgDay - Every working day IntrvlWkDay - An interval specified in weeks (01 to 09), and the day within the week (01 to 07) WkInMnthDay - A monthly interval, specifying the week of the month (01 to 05) and day within the week (01 to 07) IntrvlMnthDay - An interval specified in months (between 01 to 06, 12, 24), specifying the day within the month (-5 to -1, 1 to 31) Individual Patterns: EvryDay (ScheduleCode) EvryWorkgDay (ScheduleCode) IntrvlWkDay:IntervalInWeeks:DayInWeek (ScheduleCode + IntervalInWeeks + DayInWeek) WkInMnthDay:WeekInMonth:DayInWeek (ScheduleCode + WeekInMonth + DayInWeek) IntrvlMnthDay:IntervalInMonths:DayInMonth (ScheduleCode + IntervalInMonths + DayInMonth) The regular expression for this element combines five smaller versions for each permitted pattern. To aid legibility - the components are presented individually here: EvryDay EvryWorkgDay IntrvlWkDay:0[1-9]:0[1-7] WkInMnthDay:0[1-5]:0[1-7] IntrvlMnthDay:(0[1-6]\|12\|24):(-0[1-5]\|0[1-9]\|[12][0-9]\|3[01]) Full Regular Expression: ^(EvryDay)$\|^(EvryWorkgDay)$\|^(IntrvlWkDay:0[1-9]:0[1-7])$\|^(WkInMnthDay:0[1-5]:0[1-7])$\|^(IntrvlMnthDay:(0[1-6]\|12\|24):(-0[1-5]\|0[1-9]\|[12][0-9]\|3[01]))$	Max35Text	^(EvryDay)$\|^(EvryWorkgDay)$\|^(IntrvlWkDay:0[1-9]:0[1-7])$\|^(WkInMnthDay:0[1-5]:0[1-7])$\|^(IntrvlMnthDay:(0[1-6]\|12\|24):(-0[1-5]\|0[1-9]\|[12][0-9]\|3[01]))$
StandingOrderStatusCode	0..1	OBReadStandingOrder2/Data/StandingOrder/StandingOrderStatusCode	Specifies the status of the standing order in code form.	OBExternalStandingOrderStatus1Code	Active Inactive
FirstPaymentDateTime	0..1	OBReadStandingOrder2/Data/StandingOrder/FirstPaymentDateTime	The date on which the first payment for a Standing Order schedule will be made.	ISODateTime
NextPaymentDateTime	1..1	OBReadStandingOrder2/Data/StandingOrder/NextPaymentDateTime	The date on which the next payment for a Standing Order schedule will be made.	ISODateTime
FinalPaymentDateTime	0..1	OBReadStandingOrder2/Data/StandingOrder/FinalPaymentDateTime	The date on which the final payment for a Standing Order schedule will be made.	ISODateTime
Reference	0..1	OBReadStandingOrder2/Data/StandingOrder/Reference	Remittance information for use with BECSElectronicCredit payment scheme.	NZBECSRemittance1
CreditorName	1..1	OBReadStandingOrder2/Data/StandingOrder/Reference/CreditorName	The Creditor's Name.	Max20Text
DebtorName	0..1	OBReadStandingOrder2/Data/StandingOrder/Reference/DebtorName	The Debtor's Name.	Max20Text
CreditorReference	0..1	OBReadStandingOrder2/Data/StandingOrder/Reference/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	OBReadStandingOrder2/Data/StandingOrder/Reference/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	OBReadStandingOrder2/Data/StandingOrder/Reference/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	OBReadStandingOrder2/Data/StandingOrder/Reference/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	OBReadStandingOrder2/Data/StandingOrder/Reference/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	OBReadStandingOrder2/Data/StandingOrder/Reference/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	OBReadStandingOrder2/Data/StandingOrder/Reference/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	OBReadStandingOrder2/Data/StandingOrder/Reference/DebtorReference/Reference	Reference information, as assigned by the debtor, which when combined with Particulars and Code, unambiguously refer to the payment transaction.	Max12Text
FirstPaymentAmount	0..1	OBReadStandingOrder2/Data/StandingOrder/FirstPaymentAmount	The amount of the first Standing Order.	OBActiveOrHistoricCurrencyAndAmount
Amount	1..1	OBReadStandingOrder2/Data/StandingOrder/FirstPaymentAmount/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	OBReadStandingOrder2/Data/StandingOrder/FirstPaymentAmount/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}$
NextPaymentAmount	1..1	OBReadStandingOrder2/Data/StandingOrder/NextPaymentAmount	The amount of the next Standing Order.	OBActiveOrHistoricCurrencyAndAmount
Amount	1..1	OBReadStandingOrder2/Data/StandingOrder/NextPaymentAmount/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	OBReadStandingOrder2/Data/StandingOrder/NextPaymentAmount/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}$
FinalPaymentAmount	0..1	OBReadStandingOrder2/Data/StandingOrder/FinalPaymentAmount	The amount of the final Standing Order.	OBActiveOrHistoricCurrencyAndAmount
Amount	1..1	OBReadStandingOrder2/Data/StandingOrder/FinalPaymentAmount/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	OBReadStandingOrder2/Data/StandingOrder/FinalPaymentAmount/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	OBReadStandingOrder2/Data/StandingOrder/CreditorAgent	Party that manages the account on behalf of the account owner, that is manages the registration and booking of entries on the account, calculates balances on the account and provides information about the account. This is the servicer of the beneficiary account.	OBBranchAndFinancialInstitutionIdentification2
SchemeName	1..1	OBReadStandingOrder2/Data/StandingOrder/CreditorAgent/SchemeName	Name of the identification scheme, in a coded form as published in an external list.	OBExternalFinancialInstitutionIdentification2Code	BICFI
Identification	1..1	OBReadStandingOrder2/Data/StandingOrder/CreditorAgent/Identification	Unique and unambiguous identification of the servicing institution.	Max35Text
CreditorAccount	0..1	OBReadStandingOrder2/Data/StandingOrder/CreditorAccount	Provides the details to identify the beneficiary account.	OBCashAccount1
SchemeName	1..1	OBReadStandingOrder2/Data/StandingOrder/CreditorAccount/SchemeName	Name of the identification scheme, in a coded form as published in an external list.	OBExternalAccountIdentification3Code	BECSElectronicCredit MaskedCardNumber
Identification	1..1	OBReadStandingOrder2/Data/StandingOrder/CreditorAccount/Identification	Beneficiary account identification.	Max34Text
Name	0..1	OBReadStandingOrder2/Data/StandingOrder/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.	Max70Text
SecondaryIdentification	0..1	OBReadStandingOrder2/Data/StandingOrder/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

Enumerations

This section gives the definitions for enumerations used.

Code Class	Name	Definition

Code Class	Name	Definition
OBExternalAccountIdentification3Code	BECSElectronicCredit	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.
OBExternalStandingOrderStatus1Code	Active	The standing order is active.
OBExternalStandingOrderStatus1Code	Inactive	The standing order is inactive.
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.

Usage Examples

Specific Account

Retrieving standing-orders for a specific account.

Request

Get Accounts Standing Orders Request

GET /accounts/22289/standing-orders 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 Accounts Standing Orders Response

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

{
  "Data": {
    "StandingOrder": [
      {
        "AccountId": "22289",
        "StandingOrderId": "Ben3",
        "Frequency": "EvryWorkgDay",
        "Reference": {
          "CreditorName": "Towbar Club",
          "CreditorReference": {
            "Particulars": "CreditorPart",
            "Code": "CreditorCode",
            "Reference": "CreditorRef"
          },
          "DebtorName": "The Debtor",
          "DebtorReference": {
            "Particulars": "DebtorPart",
            "Code": "DebtorCode",
            "Reference": "DebtorRef"
          }
        },
        "FirstPaymentDateTime": "2017-08-12T00:00:00+00:00",
        "FirstPaymentAmount": {
          "Amount": "0.57",
          "Currency": "NZD"
        },
        "NextPaymentDateTime": "2017-08-13T00:00:00+00:00",
        "NextPaymentAmount": {
          "Amount": "0.56",
          "Currency": "NZD"
        },
        "FinalPaymentDateTime": "2027-08-12T00:00:00+00:00",
        "FinalPaymentAmount": {
          "Amount": "0.56",
          "Currency": "NZD"
        },
        "StandingOrderStatusCode": "Active",
        "CreditorAccount": {
          "SchemeName": "BECSElectronicCredit",
          "Identification": "01-0101-0123456-00",
          "Name": "Mrs Juniper"
        }
      }
    ]
  },
  "Links": {
    "Self": "https://api.examplebank.co.nz/open-banking-nz/v2.1/accounts/22289/standing-orders"
  },
  "Meta": {
    "TotalPages": 1
  }
}

Bulk

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

Request

Get Standing Orders Request

GET /standing-orders 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 Standing Orders Response

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

{
  "Data": {
    "StandingOrder": [
      {
        "AccountId": "22289",
        "StandingOrderId": "Ben3",
        "Frequency": "EvryWorkgDay",
        "Reference": {
          "CreditorName": "Towbar Club",
          "CreditorReference": {
            "Particulars": "CreditorPart",
            "Code": "CreditorCode",
            "Reference": "CreditorRef"
          },
          "DebtorName": "The Debtor",
          "DebtorReference": {
            "Particulars": "DebtorPart",
            "Code": "DebtorCode",
            "Reference": "DebtorRef"
          }
        },
        "FirstPaymentDateTime": "2017-08-12T00:00:00+00:00",
        "FirstPaymentAmount": {
          "Amount": "0.57",
          "Currency": "NZD"
        },
        "NextPaymentDateTime": "2017-08-13T00:00:00+00:00",
        "NextPaymentAmount": {
          "Amount": "0.56",
          "Currency": "NZD"
        },
        "FinalPaymentDateTime": "2027-08-12T00:00:00+00:00",
        "FinalPaymentAmount": {
          "Amount": "0.56",
          "Currency": "NZD"
        },
        "StandingOrderStatusCode": "Active",
        "CreditorAccount": {
          "SchemeName": "BECSElectronicCredit",
          "Identification": "01-0101-0123456-00",
          "Name": "Mrs Juniper"
        }
      },
      {
        "AccountId": "22289",
        "StandingOrderId": "Ben5",
        "Frequency": "WkinMnthDay(2)",
        "Reference": {
          "CreditorName": "Golf",
          "CreditorReference": {
            "Particulars": "CreditorPart",
            "Code": "CreditorCode",
            "Reference": "CreditorRef"
          },
          "DebtorName": "The Debtor",
          "DebtorReference": {
            "Particulars": "DebtorPart",
            "Code": "DebtorCode",
            "Reference": "DebtorRef"
          }
        },
        "FirstPaymentDateTime": "2017-06-12T00:00:00+00:00",
        "FirstPaymentAmount": {
          "Amount": "23.00",
          "Currency": "NZD"
        },
        "NextPaymentDateTime": "2017-07-12T00:00:00+00:00",
        "NextPaymentAmount": {
          "Amount": "23.00",
          "Currency": "NZD"
        },
        "FinalPaymentDateTime": "2018-06-12T00:00:00+00:00",
        "FinalPaymentAmount": {
          "Amount": "23.00",
          "Currency": "NZD"
        },
        "StandingOrderStatusCode": "Active",
        "CreditorAccount": {
          "SchemeName": "BECSElectronicCredit",
          "Identification": "02-0202-0232454-00",
          "Name": "Mr Tee"
        }
      }
    ]
  },
  "Links": {
    "Self": "https://api.examplebank.co.nz/open-banking-nz/v2.1/standing-orders"
  },
  "Meta": {
    "TotalPages": 1
  }
}

Payments NZ API standards

Standing Orders v2.1.3

Version Control

Definition

Endpoints

GET /accounts/{AccountId}/standing-orders

GET /standing-orders

Data Model

UML Diagram

Permission Codes

Data Dictionary

Enumerations

Usage Examples

Specific Account

Request

Get Accounts Standing Orders Request

Response

Get Accounts Standing Orders Response

Bulk

Request

Get Standing Orders Request

Response

Get Standing Orders Response