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RESTful API for Account Information Services (AIS) and Payment Initiation Services (PIS) Application Version: 2.29.4 The following pages give you some general information on how to use our APIs. The actual API services documentation then follows further below. You can use the menu to jump between API sections. This page has a built-in HTTP(S) client, so you can test the services directly from within this page, by filling in the request parameters and/or body in the respective services, and then hitting the TRY button. Note that you need to be authorized to make a successful API call. To authorize, refer to the 'Authorization' section of the API, or just use the OAUTH button that can be found near the TRY button. General information Error Responses When an API call returns with an error, then in general it has the structure shown in the following example: { "errors": [ { "message": "Interface 'FINTS_SERVER' is not supported for this operation.", "code": "BAD_REQUEST", "type": "TECHNICAL" } ], "date": "2020-11-19T16:54:06.854+01:00", "requestId": "selfgen-312042e7-df55-47e4-bffd-956a68ef37b5", "endpoint": "POST /api/v2/bankConnections/import", "authContext": "1/21", "bank": "DEMO0002 - finAPI Test Redirect Bank (id: 280002, location: none)" } If an API call requires an additional authentication by the user, HTTP code 510 is returned and the error response contains the additional "multiStepAuthentication" object, see the following example: { "errors": [ { "message": "Es ist eine zusätzliche Authentifizierung erforderlich. Bitte geben Sie folgenden Code an: 123456", "code": "ADDITIONAL_AUTHENTICATION_REQUIRED", "type": "BUSINESS", "multiStepAuthentication": { "hash": "678b13f4be9ed7d981a840af8131223a", "status": "CHALLENGE_RESPONSE_REQUIRED", "challengeMessage": "Es ist eine zusätzliche Authentifizierung erforderlich. Bitte geben Sie folgenden Code an: 123456", "answerFieldLabel": "TAN", "redirectUrl": null, "redirectContext": null, "redirectContextField": null, "twoStepProcedures": null, "photoTanMimeType": null, "photoTanData": null, "opticalData": null, "opticalDataAsReinerSct": false } } ], "date": "2019-11-29T09:51:55.931+01:00", "requestId": "selfgen-45059c99-1b14-4df7-9bd3-9d5f126df294", "endpoint": "POST /api/v2/bankConnections/import", "authContext": "1/18", "bank": "DEMO0001 - finAPI Test Bank" } An exception to this error format are API authentication errors, where the following structure is returned: { "error": "invalid_token", "error_description": "Invalid access token: cccbce46-xxxx-xxxx-xxxx-xxxxxxxxxx" } Paging API services that may potentially return a lot of data implement paging. They return a limited number of entries within a "page". Further entries must be fetched with subsequent calls. Any API service that implements paging provides the following input parameters: • "page": the number of the page to be retrieved (starting with 1). • "perPage": the number of entries within a page. The default and maximum value is stated in the documentation of the respective services. A paged response contains an additional "paging" object with the following structure: { ... , "paging": { "page": 1, "perPage": 20, "pageCount": 234, "totalCount": 4662 } } Internationalization The finAPI services support internationalization which means you can define the language you prefer for API service responses. The following languages are available: German, English, Czech, Slovak. The preferred language can be defined by providing the official HTTP Accept-Language header. finAPI reacts on the official iso language codes "de", "en", "cs" and "sk" for the named languages. Additional subtags supported by the Accept-Language header may be provided, e.g. "en-US", but are ignored. If no Accept-Language header is given, German is used as the default language. Exceptions: • Bank login hints and login fields are only available in the language of the bank and not being translated. • Direct messages from the bank systems typically returned as BUSINESS errors will not be translated. • BUSINESS errors created by finAPI directly are available in German and English. • TECHNICAL errors messages meant for developers are mostly in English, but also may be translated. Request IDs With any API call, you can pass a request ID via a header with name "X-Request-Id". The request ID can be an arbitrary string with up to 255 characters. Passing a longer string will result in an error. If you don't pass a request ID for a call, finAPI will generate a random ID internally. The request ID is always returned back in the response of a service, as a header with name "X-Request-Id". We highly recommend to always pass a (preferably unique) request ID, and include it into your client application logs whenever you make a request or receive a response (especially in the case of an error response). finAPI is also logging request IDs on its end. Having a request ID can help the finAPI support team to work more efficiently and solve tickets faster. Overriding HTTP methods Some HTTP clients do not support the HTTP methods PATCH or DELETE. If you are using such a client in your application, you can use a POST request instead with a special HTTP header indicating the originally intended HTTP method. The header's name is X-HTTP-Method-Override. Set its value to either PATCH or DELETE. POST Requests having this header set will be treated either as PATCH or DELETE by the finAPI servers. Example: X-HTTP-Method-Override: PATCH POST /api/v2/label/51 {"name": "changed label"} will be interpreted by finAPI as: PATCH /api/v2/label/51 {"name": "changed label"} User metadata With the migration to PSD2 APIs, a new term called "User metadata" (also known as "PSU metadata") has been introduced to the API. This user metadata aims to inform the banking API if there was a real end-user behind an HTTP request or if the request was triggered by a system (e.g. by an automatic batch update). In the latter case, the bank may apply some restrictions such as limiting the number of HTTP requests for a single consent. Also, some operations may be forbidden entirely by the banking API. For example, some banks do not allow issuing a new consent without the end-user being involved. Therefore, it is certainly necessary and obligatory for the customer to provide the PSU metadata for such operations. As finAPI does not have direct interaction with the end-user, it is the client application's responsibility to provide all the necessary information about the end-user. This must be done by sending additional headers with every request triggered on behalf of the end-user. At the moment, the following headers are supported by the API: • "PSU-IP-Address" - the IP address of the user's device. It has to be an IPv4 address, as some banks cannot work with IPv6 addresses. If a non-IPv4 address is passed, we will replace the value with our own IPv4 address as a fallback. • "PSU-Device-OS" - the user's device and/or operating system identification. • "PSU-User-Agent" - the user's web browser or other client device identification. FAQ Is there a finAPI SDK? Currently we do not offer a native SDK, but there is the option to generate an SDK for almost any target language via OpenAPI. Use the 'Download SDK' button on this page for SDK generation. How can I enable finAPI's automatic batch update? Currently there is no way to set up the batch update via the API. Please contact [email protected] for this. Why do I need to keep authorizing when calling services on this page? This page is a "one-page-app". Reloading the page resets the OAuth authorization context. There is generally no need to reload the page, so just don't do it and your authorization will persist.

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# Authentication Requests made to our APIs must be authenticated, there are two ways to do this: 1. Authenticating using your API apiUsername and apiPassword - `Basic Auth` 2. Authenticating using an Auth Token - `Bearer Token` ## Method 1: Basic Auth Basic Authentication is a method for an HTTP user agent (e.g., a web browser) to provide a apiUsername and apiPassword when making a request. When employing Basic Authentication, users include an encoded string in the Authorization header of each request they make. The string is used by the request’s recipient to verify users’ identity and rights to access a resource. The Authorization header follows this format: > Authorization: Basic base64(apiUsername:apiPassword) So if your apiUsername and apiPassword are `onfon` and `!@pas123`, the combination is `onfon:!@pas123`, and when base64 encoded, this becomes `b25mb246IUBwYXMxMjM=`. So requests made by this user would be sent with the following header: > Authorization: Basic b25mb246IUBwYXMxMjM= | Description | | ---------------------------------------------------------------------------------------------- | | **apiUsername** `String` `Required` Your onfon account apiUsername, retrieved from portal | | **apiPassword** `String` `Required` Your onfon account apiPassword, retrieved from portal | ## Method 2: Bearer Tokens This authentication stategy allows you to authenticate using JSON Web Token ``JWT` that will expire after given duration. Each Access Token is a `JWT`, an encoded JSON object with three parts: the `header`, the `payload`, and the `signature`. The following is an example Access Token generated for Conversations > Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiIxMjM0NTY3ODkwIiwibmFtZSI6IkpvaG4gRG9lIiwiaWF0IjoxNTE2MjM5MDIyfQ.SflKxwRJSMeKKF2QT4fwpMeJf36POk6yJV_adQssw5c ### Getting the token To generate the token, make a `POST` request to `/v1/authorization` endpoint with your `apiUsername` and `apiPassword` This request should be made from your server and not on the client side such as browser or mobile environment. You will receive a JSON similar to below: `{ "token": "eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiIxMjM0NTY3ODkwIiwibmFtZSI6IkpvaG4gRG9lIiwiaWF0IjoxNTE2MjM5MDIyfQ.SflKxwRJSMeKKF2QT4fwpMeJf36POk6yJV_adQssw5c", "validDurationSeconds": 3600}` You can use the token received to make API calls. The token will be valid for value of `validDurationSeconds`, before which you should generate a new token. #### Request Body ``` { "apiUsername": "root", "apiPassword": "hakty11" } ``` #### Response Body ``` { "token": "eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiIxMjM0NTY3ODkwIiwibmFtZSI6IkpvaG4gRG9lIiwiaWF0IjoxNTE2MjM5MDIyfQ.SflKxwRJSMeKKF2QT4fwpMeJf36POk6yJV_adQssw5c", "validDurationSeconds": 3600 } ``` #### Example Curl ``` curl --location --request POST 'https://apis.onfonmedia.co.ke/v1/authorization' \ --data-raw '{ "apiUsername": "correctapiUsername", "apiPassword": "correctapiPassword" } ``` #### Making an API call You will be required to pass the token in `Authorization` header prefixed by `Bearer` when calling other endpoints. Example `Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiIxMjM0NTY3ODkwIiwibmFtZSI6IkpvaG4gRG9lIiwiaWF0IjoxNTE2MjM5MDIyfQ.SflKxwRJSMeKKF2QT4fwpMeJf36POk6yJV_adQssw5c`

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Welcome to the CityPay API, a robust HTTP API payment solution designed for seamless server-to-server transactional processing. Our API facilitates a wide array of payment operations, catering to diverse business needs. Whether you're integrating Internet payments, handling Mail Order/Telephone Order (MOTO) transactions, managing Subscriptions with Recurring and Continuous Authority payments, or navigating the complexities of 3-D Secure authentication, our API is equipped to support your requirements. Additionally, we offer functionalities for Authorisation, Refunding, Pre-Authorisation, Cancellation/Voids, and Completion processing, alongside the capability for tokenised payments. ## Compliance and Security Overview Ensuring the security of payment transactions and compliance with industry standards is paramount. Our API is designed with stringent security measures and compliance protocols to safeguard sensitive information and meet the rigorous requirements of Visa, MasterCard, and the PCI Security Standards Council. ### Key Compliance and Security Measures * **TLS Encryption**: All data transmissions must utilise TLS version 1.2 or higher, employing [strong cryptography](#enabled-tls-ciphers). Our infrastructure strictly enforces this requirement to maintain the integrity and confidentiality of data in transit. We conduct regular scans and assessments of our TLS endpoints to identify and mitigate vulnerabilities. * **Data Storage Prohibitions**: Storing sensitive cardholder data (CHD), such as the card security code (CSC) or primary account number (PAN), is strictly prohibited. Our API is designed to minimize your exposure to sensitive data, thereby reducing your compliance burden. * **Data Masking**: For consumer protection and compliance, full card numbers must not be displayed on receipts or any customer-facing materials. Our API automatically masks PANs, displaying only the last four digits to facilitate safe receipt generation. * **Network Scans**: If your application is web-based, regular scans of your hosting environment are mandatory to identify and rectify potential vulnerabilities. This proactive measure is crucial for maintaining a secure and compliant online presence. * **PCI Compliance**: Adherence to PCI DSS standards is not optional; it's a requirement for operating securely and legally in the payments ecosystem. For detailed information on compliance requirements and resources, please visit the PCI Security Standards Council website [https://www.pcisecuritystandards.org/](https://www.pcisecuritystandards.org/). * **Request Validation**: Our API includes mechanisms to verify the legitimacy of each request, ensuring it pertains to a valid account and originates from a trusted source. We leverage remote IP address verification alongside sophisticated application firewall technologies to thwart a wide array of common security threats. ## Getting Started Before integrating with the CityPay API, ensure your application and development practices align with the outlined compliance and security measures. This preparatory step is crucial for a smooth integration process and the long-term success of your payment processing operations. For further details on API endpoints, request/response formats, and code examples, proceed to the subsequent sections of our documentation. Our aim is to provide you with all the necessary tools and information to integrate our payment processing capabilities seamlessly into your application. Thank you for choosing CityPay API. We look forward to supporting your payment processing needs with our secure, compliant, and versatile API solution.

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The affixapi.com API documentation. # Introduction Affix API is an OAuth 2.1 application that allows developers to access customer data, without developers needing to manage or maintain integrations; or collect login credentials or API keys from users for these third party systems. # OAuth 2.1 Affix API follows the [OAuth 2.1 spec](https://datatracker.ietf.org/doc/html/draft-ietf-oauth-v2-1-08). As an OAuth application, Affix API handles not only both the collection of sensitive user credentials or API keys, but also builds and maintains the integrations with the providers, so you don't have to. # How to obtain an access token in order to get started, you must: - register a `client_id` - direct your user to the sign in flow (`https://connect.affixapi.com` [with the appropriate query parameters](https://github.com/affixapi/starter-kit/tree/master/connect)) - capture `authorization_code` we will send to your redirect URI after the sign in flow is complete and exchange that `authorization_code` for a Bearer token # Sandbox keys (xhr mode) ### dev ``` eyJhbGciOiJFUzI1NiIsImtpZCI6Ims5RmxwSFR1YklmZWNsUU5QRVZzeFcxazFZZ0Zfbk1BWllOSGVuOFQxdGciLCJ0eXAiOiJKV1MifQ.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.zUJPaT6IxcIdr8b9iO6u-Rr5I-ohTHPYTrQGrgOFghbEbovItiwr9Wk479GnJVJc3WR8bxAwUMAE4Ul6Okdk6Q ``` #### `employees` endpoint sample: ``` curl --fail \ -X GET \ -H 'Authorization: Bearer eyJhbGciOiJFUzI1NiIsImtpZCI6Ims5RmxwSFR1YklmZWNsUU5QRVZzeFcxazFZZ0Zfbk1BWllOSGVuOFQxdGciLCJ0eXAiOiJKV1MifQ.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.zUJPaT6IxcIdr8b9iO6u-Rr5I-ohTHPYTrQGrgOFghbEbovItiwr9Wk479GnJVJc3WR8bxAwUMAE4Ul6Okdk6Q' \ 'https://dev.api.affixapi.com/2023-03-01/xhr/employees' ``` ### prod ``` eyJhbGciOiJFUzI1NiIsImtpZCI6Ims5RmxwSFR1YklmZWNsUU5QRVZzeFcxazFZZ0Zfbk1BWllOSGVuOFQxdGciLCJ0eXAiOiJKV1MifQ.eyJwcm92aWRlciI6InNhbmRib3giLCJzY29wZXMiOlsiLzIwMjMtMDMtMDEveGhyL2NvbXBhbnkiLCIvMjAyMy0wMy0wMS94aHIvZW1wbG95ZWUiLCIvMjAyMy0wMy0wMS94aHIvZW1wbG95ZWVzIiwiLzIwMjMtMDMtMDEveGhyL2dyb3VwcyIsIi8yMDIzLTAzLTAxL3hoci9pZGVudGl0eSIsIi8yMDIzLTAzLTAxL3hoci9wYXlydW5zIiwiLzIwMjMtMDMtMDEveGhyL3BheXJ1bnMvOnBheXJ1bl9pZCIsIi8yMDIzLTAzLTAxL3hoci90aW1lLW9mZi1iYWxhbmNlcyIsIi8yMDIzLTAzLTAxL3hoci90aW1lLW9mZi1lbnRyaWVzIiwiLzIwMjMtMDMtMDEveGhyL3RpbWVzaGVldHMiLCIvMjAyMy0wMy0wMS94aHIvd29yay1sb2NhdGlvbnMiXSwidG9rZW4iOiIzYjg4MDc2NC1kMGFmLTQ5ZDAtOGM5OS00YzIwYjE2MTJjOTMiLCJpYXQiOjE3MTE4MTA4NTgsImlzcyI6InB1YmxpY2FwaS1pbnRlcm1lZGlhdGUucHJvZC5lbmdpbmVlcmluZy5hZmZpeGFwaS5jb20iLCJzdWIiOiJ4aHIiLCJhdWQiOiIwOEJCMDgxRS1EOUFCNEQxNC04REY5OTIzMy02NjYxNUNFOSJ9.n3pJmmfegU21Tko_TyUyCHi4ITvfd75T8NFFTHmf1r8AI8yCUYTWdfNjyZZWcZD6z50I3Wsk2rAd8GDWXn4vlg ``` #### `employees` endpoint sample: ``` curl --fail \ -X GET \ -H 'Authorization: Bearer eyJhbGciOiJFUzI1NiIsImtpZCI6Ims5RmxwSFR1YklmZWNsUU5QRVZzeFcxazFZZ0Zfbk1BWllOSGVuOFQxdGciLCJ0eXAiOiJKV1MifQ.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.n3pJmmfegU21Tko_TyUyCHi4ITvfd75T8NFFTHmf1r8AI8yCUYTWdfNjyZZWcZD6z50I3Wsk2rAd8GDWXn4vlg' \ 'https://api.affixapi.com/2023-03-01/xhr/employees' ``` # Compression We support `brotli`, `gzip`, and `deflate` compression algorithms. To enable, pass the `Accept-Encoding` header with one or all of the values: `br`, `gzip`, `deflate`, or `identity` (no compression) In the response, you will receive the `Content-Encoding` response header indicating the compression algorithm used in the data payload to enable you to decompress the result. If the `Accept-Encoding: identity` header was passed, no `Content-Encoding` response header is sent back, as no compression algorithm was used. # Webhooks An exciting feature for HR/Payroll modes are webhooks. If enabled, your `webhook_uri` is set on your `client_id` for the respective environment: `dev | prod` Webhooks are configured to make live requests to the underlying integration 1x/hr, and if a difference is detected since the last request, we will send a request to your `webhook_uri` with this shape: ``` { added: [ { ..., date_of_birth: '2010-08-06', display_full_name: 'Daija Rogahn', employee_number: '57993', employment_status: 'pending', employment_type: 'other', employments: [ { currency: 'eur', effective_date: '2022-02-25', employment_type: 'other', job_title: 'Dynamic Implementation Manager', pay_frequency: 'semimonthly', pay_period: 'YEAR', pay_rate: 96000, }, ], first_name: 'Daija', ... } ], removed: [], updated: [ { ..., date_of_birth: '2009-11-09', display_full_name: 'Lourdes Stiedemann', employee_number: '63189', employment_status: 'leave', employment_type: 'full_time', employments: [ { currency: 'gbp', effective_date: '2023-01-16', employment_type: 'full_time', job_title: 'Forward Brand Planner', pay_frequency: 'semimonthly', pay_period: 'YEAR', pay_rate: 86000, }, ], first_name: 'Lourdes', } ] } ``` the following headers will be sent with webhook requests: ``` x-affix-api-signature: ab8474e609db95d5df3adc39ea3add7a7544bd215c5c520a30a650ae93a2fba7 x-affix-api-origin: webhooks-employees-webhook user-agent: affixapi.com ``` Before trusting the payload, you should sign the payload and verify the signature matches the signature sent by the `affixapi.com` service. This secures that the data sent to your `webhook_uri` is from the `affixapi.com` server. The signature is created by combining the signing secret (your `client_secret`) with the body of the request sent using a standard HMAC-SHA256 keyed hash. The signature can be created via: - create an `HMAC` with your `client_secret` - update the `HMAC` with the payload - get the hex digest -> this is the signature Sample `typescript` code that follows this recipe: ``` import { createHmac } from 'crypto'; export const computeSignature = ({ str, signingSecret, }: { signingSecret: string; str: string; }): string => { const hmac = createHmac('sha256', signingSecret); hmac.update(str); const signature = hmac.digest('hex'); return signature; }; ``` While verifying the Affix API signature header should be your primary method of confirming validity, you can also whitelist our outbound webhook static IP addresses. ``` dev: - 52.210.169.82 - 52.210.38.77 - 3.248.135.204 prod: - 52.51.160.102 - 54.220.83.244 - 3.254.213.171 ``` ## Rate limits Open endpoints (not gated by an API key) (applied at endpoint level): - 15 requests every 1 minute (by IP address) - 25 requests every 5 minutes (by IP address) Gated endpoints (require an API key) (applied at endpoint level): - 40 requests every 1 minute (by IP address) - 40 requests every 5 minutes (by `client_id`) Things to keep in mind: - Open endpoints (not gated by an API key) will likely be called by your users, not you, so rate limits generally would not apply to you. - As a developer, rate limits are applied at the endpoint granularity. - For example, say the rate limits below are 10 requests per minute by ip. from that same ip, within 1 minute, you get: - 10 requests per minute on `/orders`, - another 10 requests per minute on `/items`, - and another 10 requests per minute on `/identity`, - for a total of 30 requests per minute.

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RESTful API for Account Information Services (AIS) and Payment Initiation Services (PIS) The following pages give you some general information on how to use our APIs. The actual API services documentation then follows further below. You can use the menu to jump between API sections. This page has a built-in HTTP(S) client, so you can test the services directly from within this page, by filling in the request parameters and/or body in the respective services, and then hitting the TRY button. Note that you need to be authorized to make a successful API call. To authorize, refer to the 'Authorization' section of the API, or just use the OAUTH button that can be found near the TRY button. General information Error Responses When an API call returns with an error, then in general it has the structure shown in the following example: { "errors": [ { "message": "Interface 'FINTS_SERVER' is not supported for this operation.", "code": "BAD_REQUEST", "type": "TECHNICAL" } ], "date": "2020-11-19 16:54:06.854", "requestId": "selfgen-312042e7-df55-47e4-bffd-956a68ef37b5", "endpoint": "POST /api/v1/bankConnections/import", "authContext": "1/21", "bank": "DEMO0002 - finAPI Test Redirect Bank" } If an API call requires an additional authentication by the user, HTTP code 510 is returned and the error response contains the additional "multiStepAuthentication" object, see the following example: { "errors": [ { "message": "Es ist eine zusätzliche Authentifizierung erforderlich. Bitte geben Sie folgenden Code an: 123456", "code": "ADDITIONAL_AUTHENTICATION_REQUIRED", "type": "BUSINESS", "multiStepAuthentication": { "hash": "678b13f4be9ed7d981a840af8131223a", "status": "CHALLENGE_RESPONSE_REQUIRED", "challengeMessage": "Es ist eine zusätzliche Authentifizierung erforderlich. Bitte geben Sie folgenden Code an: 123456", "answerFieldLabel": "TAN", "redirectUrl": null, "redirectContext": null, "redirectContextField": null, "twoStepProcedures": null, "photoTanMimeType": null, "photoTanData": null, "opticalData": null } } ], "date": "2019-11-29 09:51:55.931", "requestId": "selfgen-45059c99-1b14-4df7-9bd3-9d5f126df294", "endpoint": "POST /api/v1/bankConnections/import", "authContext": "1/18", "bank": "DEMO0001 - finAPI Test Bank" } An exception to this error format are API authentication errors, where the following structure is returned: { "error": "invalid_token", "error_description": "Invalid access token: cccbce46-xxxx-xxxx-xxxx-xxxxxxxxxx" } Paging API services that may potentially return a lot of data implement paging. They return a limited number of entries within a "page". Further entries must be fetched with subsequent calls. Any API service that implements paging provides the following input parameters: • "page": the number of the page to be retrieved (starting with 1). • "perPage": the number of entries within a page. The default and maximum value is stated in the documentation of the respective services. A paged response contains an additional "paging" object with the following structure: { ... , "paging": { "page": 1, "perPage": 20, "pageCount": 234, "totalCount": 4662 } } Internationalization The finAPI services support internationalization which means you can define the language you prefer for API service responses. The following languages are available: German, English, Czech, Slovak. The preferred language can be defined by providing the official HTTP Accept-Language header. finAPI reacts on the official iso language codes "de", "en", "cs" and "sk" for the named languages. Additional subtags supported by the Accept-Language header may be provided, e.g. "en-US", but are ignored. If no Accept-Language header is given, German is used as the default language. Exceptions: • Bank login hints and login fields are only available in the language of the bank and not being translated. • Direct messages from the bank systems typically returned as BUSINESS errors will not be translated. • BUSINESS errors created by finAPI directly are available in German and English. • TECHNICAL errors messages meant for developers are mostly in English, but also may be translated. Request IDs With any API call, you can pass a request ID via a header with name "X-Request-Id". The request ID can be an arbitrary string with up to 255 characters. Passing a longer string will result in an error. If you don't pass a request ID for a call, finAPI will generate a random ID internally. The request ID is always returned back in the response of a service, as a header with name "X-Request-Id". We highly recommend to always pass a (preferably unique) request ID, and include it into your client application logs whenever you make a request or receive a response (especially in the case of an error response). finAPI is also logging request IDs on its end. Having a request ID can help the finAPI support team to work more efficiently and solve tickets faster. Overriding HTTP methods Some HTTP clients do not support the HTTP methods PATCH or DELETE. If you are using such a client in your application, you can use a POST request instead with a special HTTP header indicating the originally intended HTTP method. The header's name is X-HTTP-Method-Override. Set its value to either PATCH or DELETE. POST Requests having this header set will be treated either as PATCH or DELETE by the finAPI servers. Example: X-HTTP-Method-Override: PATCH POST /api/v1/label/51 {"name": "changed label"} will be interpreted by finAPI as: PATCH /api/v1/label/51 {"name": "changed label"} User metadata With the migration to PSD2 APIs, a new term called "User metadata" (also known as "PSU metadata") has been introduced to the API. This user metadata aims to inform the banking API if there was a real end-user behind an HTTP request or if the request was triggered by a system (e.g. by an automatic batch update). In the latter case, the bank may apply some restrictions such as limiting the number of HTTP requests for a single consent. Also, some operations may be forbidden entirely by the banking API. For example, some banks do not allow issuing a new consent without the end-user being involved. Therefore, it is certainly necessary and obligatory for the customer to provide the PSU metadata for such operations. As finAPI does not have direct interaction with the end-user, it is the client application's responsibility to provide all the necessary information about the end-user. This must be done by sending additional headers with every request triggered on behalf of the end-user. At the moment, the following headers are supported by the API: • "PSU-IP-Address" - the IP address of the user's device. • "PSU-Device-OS" - the user's device and/or operating system identification. • "PSU-User-Agent" - the user's web browser or other client device identification. FAQ Is there a finAPI SDK? Currently we do not offer a native SDK, but there is the option to generate a SDK for almost any target language via OpenAPI. Use the 'Download SDK' button on this page for SDK generation. How can I enable finAPI's automatic batch update? Currently there is no way to set up the batch update via the API. Please contact [email protected] for this. Why do I need to keep authorizing when calling services on this page? This page is a "one-page-app". Reloading the page resets the OAuth authorization context. There is generally no need to reload the page, so just don't do it and your authorization will persist.

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