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)

• 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. 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)

• 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". For more information follow this link.

Migration

• When will finAPI Access PSD2 be released?
  • It was released on Sept 4th, 2019.
• How long can FinTS interfaces still be used?
  • Three 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 for me?
  
  • New XS2A interfaces have to be connected explicitly by you by calling the "connect Interface" service 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.