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latestOpenAPI 3.0.1Creative Commons Attribution 4.0 International Public License2026-07-1334289536.7 KB
Payment Initiation Service (PIS)

Payment initiation request

This method is used to initiate a payment at the ASPSP.

Variants of payment initiation requests

This method to initiate a payment initiation at the ASPSP can be sent with either a JSON body or an pain.001 body depending on the payment product in the path.

There are the following payment products:

  • Payment products with payment information in JSON format:
    • domestic-swiss-credit-transfers-isr
    • domestic-swiss-credit-transfers
    • domestic-swiss-credit-transfers-qr
    • domestic-swiss-foreign-credit-transfers
    • swiss-sepa-credit-transfers
    • swiss-cross-border-credit-transfers
  • Payment products with payment information in SIX pain.001 XML format:
    • pain.001-sepa-credit-transfers
    • pain.001-cross-border-credit-transfers
    • pain.001-swiss-six-credit-transfers

Furthermore the request body depends on the payment-service:

  • payments: A single payment initiation request.

  • bulk-payments: A collection of several payment initiation requests.

    In case of a pain.001 message there are more than one payments contained in the *pain.001 message.

    In case of a JSON there are several JSON payment blocks contained in a joining list.

  • periodic-payments: Create a standing order initiation resource for recurrent i.e. periodic payments addressable under {paymentId} with all data relevant for the corresponding payment product and the execution of the standing order contained in a JSON body.

This is the first step in the API to initiate the related recurring/periodic payment.

Single and mulitilevel SCA Processes

The payment initiation requests are independent from the need of one or multilevel SCA processing, i.e. independent from the number of authorisations needed for the execution of payments.

But the response messages are specific to either one SCA processing or multilevel SCA processing.

For payment initiation with multilevel SCA, this specification requires an explicit start of the authorisation, i.e. links directly associated with SCA processing like 'scaRedirect' or 'scaOAuth' cannot be contained in the response message of a Payment Initation Request for a payment, where multiple authorisations are needed. Also if any data is needed for the next action, like selecting an SCA method is not supported in the response, since all starts of the multiple authorisations are fully equal. In these cases, first an authorisation sub-resource has to be generated following the 'startAuthorisation' link.

post/v1/{payment-service}/{payment-product}

Path parameters

payment-service'payments' | 'bulk-payments' | 'periodic-payments' required

Payment service:

Possible values are:

  • payments
  • bulk-payments
  • periodic-payments
payment-product'domestic-swiss-credit-transfers-isr' | 'domestic-swiss-credit-transfers' | 'domestic-swiss-credit-transfers-qr' | 'domestic-swiss-foreign-credit-transfers' | 'swiss-sepa-credit-transfers' | 'swiss-cross-border-credit-transfers' | 'pain.001-sepa-credit-transfers' | 'pain.001-cross-border-credit-transfers' | 'pain.001-swiss-six-credit-transfers' required

The addressed payment product endpoint, e.g. for SEPA Credit Transfers (SCT). The ASPSP will publish which of the payment products/endpoints will be supported.

The following payment products are supported:

  • domestic-swiss-credit-transfers-isr
  • domestic-swiss-credit-transfers
  • domestic-swiss-credit-transfers-qr
  • domestic-swiss-foreign-credit-transfers
  • swiss-sepa-credit-transfers
  • swiss-cross-border-credit-transfers
  • pain.001-sepa-credit-transfers
  • pain.001-cross-border-credit-transfers
  • pain.001-swiss-six-credit-transfers

Remark: For all SEPA Credit Transfer based endpoints which accept XML encoding, the XML pain.001 schemes provided by EPC are supported by the ASPSP as a minimum for the body content. Further XML schemes might be supported by some communities.

Remark: For cross-border and TARGET-2 payments only community wide pain.001 schemes do exist. There are plenty of country specificic scheme variants.

Headers

X-Request-IDstring required

ID of the request, unique to the call, as determined by the initiating party.

Digeststring

Is contained if and only if the "Signature" element is contained in the header of the request.

Signaturestring

A signature of the request by the TPP on application level. This might be mandated by ASPSP.

TPP-Signature-Certificatestring byte

The certificate used for signing the request, in base64 encoding. Must be contained if a signature is contained.

PSU-IDstring

Client ID of the PSU in the ASPSP client interface.

Might be mandated in the ASPSP's documentation.

It might be contained even if an OAuth2 based authentication was performed in a pre-step or an OAuth2 based SCA was performed in an preceding AIS service in the same session. In this case the ASPSP might check whether PSU-ID and token match, according to ASPSP documentation.

PSU-ID-Typestring

Type of the PSU-ID, needed in scenarios where PSUs have several PSU-IDs as access possibility.

In this case, the mean and use are then defined in the ASPSP's documentation.

PSU-Corporate-IDstring

Might be mandated in the ASPSP's documentation. Only used in a corporate context.

PSU-Corporate-ID-Typestring

Might be mandated in the ASPSP's documentation. Only used in a corporate context.

Consent-IDstring

ID of the corresponding consent object as returned by an account information consent request.

This data element may be contained, if the payment initiation transaction is part of a session, i.e. combined AIS/PIS service. This then contains the consentId of the related AIS consent, which was performed prior to this payment initiation.

PSU-IP-Addressstring ipv4 required

The forwarded IP Address header field consists of the corresponding http request IP Address field between PSU and TPP. If not available, the TPP shall use the IP Address used by the TPP when submitting this request.

TPP-Redirect-Preferredboolean

If it equals "true", the TPP prefers a redirect over an embedded SCA approach. If it equals "false", the TPP prefers not to be redirected for SCA. The ASPSP will then choose between the Embedded or the Decoupled SCA approach, depending on the choice of the SCA procedure by the TPP/PSU. If the parameter is not used, the ASPSP will choose the SCA approach to be applied depending on the SCA method chosen by the TPP/PSU.

TPP-Redirect-URIstring uri

URI of the TPP, where the transaction flow shall be redirected to after a Redirect.

Mandated for the Redirect SCA Approach, specifically when TPP-Redirect-Preferred equals "true". It is recommended to always use this header field.

Remark for Future: This field might be changed to mandatory in the next version of the specification.

TPP-Nok-Redirect-URIstring uri

If this URI is contained, the TPP is asking to redirect the transaction flow to this address instead of the TPP-Redirect-URI in case of a negative result of the redirect SCA method. This might be ignored by the ASPSP.

TPP-Explicit-Authorisation-Preferredboolean

If it equals "true", the TPP prefers to start the authorisation process separately, e.g. because of the usage of a signing basket. This preference might be ignored by the ASPSP, if a signing basket is not supported as functionality.

If it equals "false" or if the parameter is not used, there is no preference of the TPP. This especially indicates that the TPP assumes a direct authorisation of the transaction in the next step, without using a signing basket.

TPP-Rejection-NoFunds-Preferredboolean

If it equals "true" then the TPP prefers a rejection of the payment initiation in case the ASPSP is providing an integrated confirmation of funds request an the result of this is that not sufficient funds are available.

If it equals "false" then the TPP prefers that the ASPSP is dealing with the payment initiation like in the ASPSPs online channel, potentially waiting for a certain time period for funds to arrive to initiate the payment.

This parameter might be ignored by the ASPSP.

TPP-Brand-Logging-Informationstring

This header might be used by TPPs to inform the ASPSP about the brand used by the TPP towards the PSU. This information is meant for logging entries to enhance communication between ASPSP and PSU or ASPSP and TPP. This header might be ignored by the ASPSP.

TPP-Notification-URIstring

URI for the Endpoint of the TPP-API to which the status of the payment initiation should be sent. This header field may by ignored by the ASPSP.

For security reasons, it shall be ensured that the TPP-Notification-URI as introduced above is secured by the TPP eIDAS QWAC used for identification of the TPP. The following applies:

URIs which are provided by TPPs in TPP-Notification-URI shall comply with the domain secured by the eIDAS QWAC certificate of the TPP in the field CN or SubjectAltName of the certificate. Please note that in case of example-TPP.com as certificate entry TPP- Notification-URI like www.example-TPP.com/xs2a-client/v1/ASPSPidentifcation/mytransaction- id/notifications or notifications.example-TPP.com/xs2a-client/v1/ASPSPidentifcation/mytransaction- id/notifications would be compliant.

Wildcard definitions shall be taken into account for compliance checks by the ASPSP. ASPSPs may respond with ASPSP-Notification-Support set to false, if the provided URIs do not comply.

TPP-Notification-Content-Preferredstring

The string has the form

status=X1, ..., Xn

where Xi is one of the constants SCA, PROCESS, LAST and where constants are not repeated. The usage of the constants supports the of following semantics:

SCA: A notification on every change of the scaStatus attribute for all related authorisation processes is preferred by the TPP.

PROCESS: A notification on all changes of consentStatus or transactionStatus attributes is preferred by the TPP. LAST: Only a notification on the last consentStatus or transactionStatus as available in the XS2A interface is preferred by the TPP.

This header field may be ignored, if the ASPSP does not support resource notification services for the related TPP.

PSU-IP-Portstring

The forwarded IP Port header field consists of the corresponding HTTP request IP Port field between PSU and TPP, if available.

PSU-Acceptstring

The forwarded IP Accept header fields consist of the corresponding HTTP request Accept header fields between PSU and TPP, if available.

PSU-Accept-Charsetstring

The forwarded IP Accept header fields consist of the corresponding HTTP request Accept header fields between PSU and TPP, if available.

PSU-Accept-Encodingstring

The forwarded IP Accept header fields consist of the corresponding HTTP request Accept header fields between PSU and TPP, if available.

PSU-Accept-Languagestring

The forwarded IP Accept header fields consist of the corresponding HTTP request Accept header fields between PSU and TPP, if available.

PSU-User-Agentstring

The forwarded Agent header field of the HTTP request between PSU and TPP, if available.

PSU-Http-Method'GET' | 'POST' | 'PUT' | 'PATCH' | 'DELETE'

HTTP method used at the PSU ? TPP interface, if available. Valid values are:

  • GET
  • POST
  • PUT
  • PATCH
  • DELETE
PSU-Device-IDstring

UUID (Universally Unique Identifier) for a device, which is used by the PSU, if available. UUID identifies either a device or a device dependant application installation. In case of an installation identification this ID needs to be unaltered until removal from device.

PSU-Geo-Locationstring

The forwarded Geo Location of the corresponding http request between PSU and TPP if available.

Request body

OR
OR

Example request

{
  "debtorName": "Debtor Name",
  "debtorAccount": {
    "iban": "FR7612345987650123456789014",
    "otherAccountIdentification": "90-100100-0",
    "currency": "EUR"
  },
  "debtorId": "Debtor Id 1234",
  "debtorAgent": {
    "bic": "AAAADEBBXXX"
  },
  "ultimateDebtor": "Ultimate Debtor",
  "instructedAmount": {
    "currency": "EUR",
    "amount": "123"
  },
  "equivalentAmount": {
    "currency": "EUR",
    "amount": "123"
  },
  "transactionCurrency": "EUR",
  "creditorAccount": {
    "iban": "FR7612345987650123456789014",
    "otherAccountIdentification": "90-100100-0",
    "currency": "EUR"
  },
  "creditorAgent": {
    "bic": "AAAADEBBXXX",
    "address": {
      "country": "SE"
    }
  },
  "creditorAgentName": "Creditor Id 1234",
  "creditorName": "Creditor Name",
  "creditorId": "Creditor Id 5678",
  "creditorAddress": {
    "streetName": "rue blue",
    "buildingnNumber": "89",
    "townName": "Paris",
    "postCode": "75000",
    "country": "FR"
  },
  "creditorNameAndAddress": "Max Masters, Main Street 1, 12345 City, Example Country",
  "ultimateCreditor": "Ultimate Creditor",
  "remittanceInformationUnstructured": "Ref Number Merchant",
  "remittanceInformationStructured": {
    "reference": "15 00011 23456 78901 23456 78901",
    "SCORorQRRorIPI": "SCOR"
  },
  "intermediaryAgent": "AAAADEBBXXX"
}

Response

CREATED

transactionStatus'ACCC' | 'ACCP' | 'ACSC' | 'ACSP' | 'ACTC' | 'ACWC' | 'ACWP' | 'RCVD' | 'PDNG' | 'RJCT' | 'CANC' | 'ACFC' | 'PATC' | 'PART' required

The transaction status is filled with codes of the ISO 20022 data table:

  • 'ACCC': 'AcceptedSettlementCompleted' - Settlement on the creditor's account has been completed.

  • 'ACCP': 'AcceptedCustomerProfile' - Preceding check of technical validation was successful. Customer profile check was also successful.

  • 'ACSC': 'AcceptedSettlementCompleted' - Settlement on the debtoro?=s account has been completed.

    Usage: this can be used by the first agent to report to the debtor that the transaction has been completed.

    Warning: this status is provided for transaction status reasons, not for financial information. It can only be used after bilateral agreement.

  • 'ACSP': 'AcceptedSettlementInProcess' - All preceding checks such as technical validation and customer profile were successful and therefore the payment initiation has been accepted for execution.

  • 'ACTC': 'AcceptedTechnicalValidation' - Authentication and syntactical and semantical validation are successful.

  • 'ACWC': 'AcceptedWithChange' - Instruction is accepted but a change will be made, such as date or remittance not sent.

  • 'ACWP': 'AcceptedWithoutPosting' - Payment instruction included in the credit transfer is accepted without being posted to the creditor customero?=s account.

  • 'RCVD': 'Received' - Payment initiation has been received by the receiving agent.

  • 'PDNG': 'Pending' - Payment initiation or individual transaction included in the payment initiation is pending. Further checks and status update will be performed.

  • 'RJCT': 'Rejected' - Payment initiation or individual transaction included in the payment initiation has been rejected.

  • 'CANC': 'Cancelled' Payment initiation has been cancelled before execution Remark: This codeis accepted as new code by ISO20022.

  • 'ACFC': 'AcceptedFundsChecked' - Preceding check of technical validation and customer profile was successful and an automatic funds check was positive . Remark: This code is accepted as new code by ISO20022.

  • 'PATC': 'PartiallyAcceptedTechnical' Correct The payment initiation needs multiple authentications, where some but not yet all have been performed. Syntactical and semantical validations are successful. Remark: This code is accepted as new code by ISO20022.

  • 'PART': 'PartiallyAccepted' - A number of transactions have been accepted, whereas another number of transactions have not yet achieved 'accepted' status. Remark: This code may be used only in case of bulk payments. It is only used in a situation where all mandated authorisations have been applied, but some payments have been rejected.

paymentIdstring required

Resource identification of the generated payment initiation resource.

transactionFeeIndicatorboolean

If equals 'true', the transaction will involve specific transaction cost as shown by the ASPSP in their public price list or as agreed between ASPSP and PSU. If equals 'false', the transaction will not involve additional specific transaction costs to the PSU unless the fee amount is given specifically in the data elements transactionFees and/or currencyConversionFees. If this data element is not used, there is no information about transaction fees unless the fee amount is given explicitly in the data element transactionFees and/or currencyConversionFees.

psuMessagestring

Text to be displayed to the PSU.

Example response

{
  "transactionStatus": "ACCP",
  "paymentId": "1234-wertiq-983",
  "transactionFees": {
    "currency": "EUR",
    "amount": "123"
  },
  "currencyConversionFee": {
    "currency": "EUR",
    "amount": "123"
  },
  "estimatedTotalAmount": {
    "currency": "EUR",
    "amount": "123"
  },
  "estimatedInterbankSettlementAmount": {
    "currency": "EUR",
    "amount": "123"
  },
  "scaMethods": [
    {
      "authenticationMethodId": "myAuthenticationID",
      "name": "SMS OTP on phone +49160 xxxxx 28",
      "explanation": "Detailed information about the SCA method for the PSU."
    }
  ],
  "chosenScaMethod": {
    "authenticationMethodId": "myAuthenticationID",
    "name": "SMS OTP on phone +49160 xxxxx 28",
    "explanation": "Detailed information about the SCA method for the PSU."
  },
  "_links": {
    "scaRedirect": {
      "href": "https://www.testbank.com/asdfasdfasdf"
    },
    "self": {
      "href": "/v1/payments/swiss-sepa-credit-transfers/1234-wertiq-983"
    }
  }
}
All 34 operations