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Scope of the PSD2 APIs

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FinTS interim fallback (DE)

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  • In what way is the 90 days history download limit related to FinTS SCA?
    • We introduced the 90 day download limit for every customer in order to avoid massive amounts of 2nd factor requests sent out during our batch updates. These requests are triggered by some banks if a transaction history langer than 89 days is requested, which is usually the case for a bank connection import.
  • Our app is ready for strong customer authentication (SCA), can you switch off the 90 days download limit for our app?
    • Yes, the limit can be switched off for each customer separately. Please contact the finAPI support at support@finapi.io.

Webscraping interim fallback (AT)

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  • How can I test FinTS SCA?
    • You can use the builtin bank with BLZ "TESTBANK". For more information follow this link.

Migration

  • When will finAPI Access PSD2 be released?
    • It was released on Sept 44th, 2019.
  • How long can FinTS interfaces still be used?
    • FinTS interfaces can be used at the latest until end of OctoberThree months after a bank has entered the market probation phase (controlled by BaFin - more infos can be found here), you are no longer allowed to download payment accounts via FinTS. You can still download other accounts via finTS, like savings accounts, security accounts etc.
  • Do I have to create new interfaces or will finAPI Access do that during migration?Existing interfaces in existing bank connections (FinTS and Webscraping) will be created during migration on Sept. 4 by finAPI Access PSD2 automatically. for me?
    • New XS2A interfaces have to be connected explicitly by you by service call to calling the "connect Interface" service to be able to use the XS2A interface.

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  • Do I have to make any changes to my client app to be able to use the new XS2A interfaces?
    • To use the new XS2A interfaces, you have to explicitly refer to them during Import/Connect/Update.

How can I make a money transfer for accounts with XS2A-interface

  • Currently the XS2A interface does not support SEPA money transfers, yet. In the meanwhile either FINTS or Webscraping interface functionality can be used.  Therefore the bank connection has to be connected additionally to the FINTS or Webscraping interface (service "Connect a new interface") in order to use the request SEPA money transfer and execute SEPA money transfer.