Scope of the PSD2 APIs

• Will the account holder name be available via the PSD2 / XS2A APIs?
  • We don't know of any banks that deliver the account holder name via XS2A API.

FinTS interim fallback (DE)

• Our app is ready for SCA, can you switch off the 90 days download limit for our app?
  • Yes, the limit can be switched off for each mandator separately. Please contact the finAPI support at support@finapi.io.
• In what way is the 90 days history download limit related to FinTS SCA?
  • We introduced the 90 day download limit 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.

Webscraping interim fallback (AT)

• Can Webscraping without certificate still be used in Austria?
  • No, with the FMA letter of Oct.28 (https://www.fma.gv.at/update-fma-gewaehrt-uebergangsfrist-fuer-psd-ii-schnittstellen-zur-sicherstellung-eines-reibungslos-funktionierenden-zahlungsverkehrs/), old webscraping solutions without eIDAS certificate, are not allowed anymore.
• Does finAPI still offer Webscraping interfaces in Austria?
  • With the deprecation of webscraping, finAPI also deactivated all webscraping interfaces for Austrian banks

Testing

• How can I test FinTS SCA?
  • You can use the builtin bank with BLZ "TESTBANK".

Migration

• When will finAPI Access PSD2 be released?
  • Sept 4, 2019
• How long can FinTS interfaces still be used?
  • FinTS interfaces can be used at the latest until end of October.
• 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. 
  • New XS2A interfaces have to be connected explicitly by you by service call to be able to use the XS2A interface.

Usage of finAPI Access PSD2

• How do I use a new XS2A interface?
  • For an existing bank connection you use the service https://alpha.finapi.io/#!/Bank_Connections/connectInterface. For a new import you sue importBankConnection with the interface XS2A as parameter.
• How do I update an XS2A interface?
  • Use the updateBankConnection service with XS2A as interface parameter.
• Do I have to update every interface separately?
  • Yes
• Do I have to change credentials for each interface separately?
  • Yes, since the credentials for each interface can be different, they have to be changed separately
• A bank account has two interfaces. What should I do?
  • You should update only one interface ideally and disconnect the other. If you need accounts other than checking accounts in the bank connection, you can keep all interfaces and update an account only via the interface that is required.

PSD2 licence and web form usage of XS2A interfaces

• 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.