Payments API

API Information

 

 

API Description

Tatra banka

The Payments API (v1) allows third party applications to perform money transfers from a bank client's account on his behalf, including the following operations:

  • single SEPA Credit Transfer
  • single Foreign Payment

Clients

The Open bankingTB channel can be used by clients of Tatra banka with an open current account at Tatra banka, on which they have access via Internet bankingTB and use authorisation device Card and ReaderTB.

Type of payments

Type of payments offered by the Open bankingTB:

  • E-commerce payments
  • Non E-commerce payments
E-commerce payments

E-commerce payments are irrevocable, synchronic processed, not forward and with an unfilled payment date (Date of processing is immediately).

Following conditions will apply for e-commerce payments:

  • SEPA payments within Slovakia
  • payments in EUR currency only
  • Debtor account is current account only
  • non-conversion payments. Conversion is not allowed neither on debtor nor on creditor side.
  • condition of "SK" country code in IBAN must be fulfilled

If an e-commerce payment fails to meet these conditions, it will be rejected.

The payment sent to the bank during the technical break will be rejected.

Non e-commerce payments

Non e-commerce payments are non-synchronous, current date payments or forward payments.

Following conditions will apply for Non e-commerce payments:

  • SEPA payments within the SEPA area
  • conversion is allowed on debtor or creditor side
  • Debtor account is current account only
  • the recipient bank only in SEPA area
  • Date of processing can be forward
  • Account format IBAN only

If a Non e-commerce payment fails to meet these conditions, it will be rejected.

If banking date change over time between the client's confirmation and the commit of the payment from the third party provider, then the payment will be rejected.

Payments

Following types of payments are available via the Open bankingTB:

 

Payment Type
Format
SEPA /FPO
Payment Currency
Payer Account Currency
Payee Account in
Payer Account Format
Payee Account Format
Priority
Processing Date
Non ecommerce payments
JSON
sepa payment
EUR
EUR, FCY
Tatra banka
IBAN
IBAN
Normal only
Current/Forward
 
 
sepa payment
EUR
EUR, FCY
Slovakia
IBAN
IBAN
Normal only
Current/Forward
 
 
sepa payment
EUR
EUR, FCY
EU and EEA Countries
IBAN
IBAN
Normal only
Current/Forward
Ecommerce payments
JSON
sepa payment
EUR
EUR
Tatra banka
IBAN
IBAN
Normal only
Current day only
 
 
sepa payment
EUR
EUR
Slovakia
IBAN
IBAN
Normal only
Current day only

 

Cut of time

Remember to check periods for payment order submitting in order to have payments processed at the time you request.

Cut of time periods for payments initiated via the Open bankingTB are available on our web site.

Payment Limits

Initiated payment processing is limited by daily and monthly limits. Payment limits are cummulative per account and depend on authorization device by which your user authorizes a payment. Payment limits are same as through Internet bankingTB . The Payments API requires additional authorisation by the Card and ReaderTB for each initiated payment.

 

Charges for client

Payments realised via the Open bankingTB are charged to clients of Tatra banka same as the payments initiated via Electronic distribution channels of Tatra banka. For actual service charges please check our web site.

Exchange rates

The following exchange rates shall apply for payments with conversion, in case of a payment order with the conversion of up to EUR 30,000 (or a foreign currency equivalent):

  • exchange rate according to the table of exchange rates (foreign currency buy, foreign currency sell or cross exchange rate, i.e. proportion of particular exchange rates)
  • individual exchange rate - a possibility to arrange with the Treasury Division on basis of an agreement on spot transactions or by use of i:deal service

The following exchange rate shall apply in case of a payment order with the conversion over EUR 30,000 (or a foreign currency equivalent):

  • exchange rate of the following working day (foreign currency buy, foreign currency sell or cross exchange rate, i.e. proportion of particular exchange rates)
  • individual exchange rate - a possibility to arrange with the Treasury Division on basis of an agreement on spot transactions or by use of i:deal service

Technical break

E-commerce payments can be made non-stop, but during the daily closure (technical break) lasting approx. 30 minutes, 1.5 hours on Saturdays, which is usually on business days from 9:45 p.m. to 10:45 p.m. and on Saturdays from 9:45 p.m. to 11:45 p.m., e-commerce payments are rejected.

Non e-commerce payments can be made non-stop, but during the daily closure (technical break) lasting approx. 30 minutes, 1.5 hours on Saturdays, which is usually on business days from 9:45 p.m. to 10:45 p.m. and on Saturdays from 9:45 p.m. to 11:45 p.m., payment orders are carried out with the processing date of the next banking day.

Payment orders submitted with processing date later than the date of entry (with a processing date later than the current date in the system), will be processed by the bank in the early hours of the required date.

The system works with the date of the next banking day on Sundays and during holidays, therefore the payments are made even in these days with the due date specified by the client /Monday – Saturday except holidays/.

Non-authorised transaction rectification

According to article 73 point 2 and 3, if the payment initiation service provider is liable for the unauthorised payment transaction, it shall immediately compensate the account servicing payment service provider at its request for the losses incurred or sums paid as a result of the refund to the payer, including the amount of the unauthorised payment transaction. In accordance with Article 72(1), the burden shall be on the payment initiation service provider to prove that, within its sphere of competence, the payment transaction was authenticated, accurately recorded and not affected by a technical breakdown or other deficiency linked to the payment service of which it is in charge. Payment initiation service provider will be contacted via contact provided by registration. Payment initiation service provides shall provide cooperation and compensation immediately.

Raiffeisen bank

The Payments API (v1.0.1) allows third party applications to perform money transfers from a bank client's account on his behalf, including the following operations:

  • single SEPA Credit Transfer

Clients

The Third-party application can be used by clients of Raiffeisen bank with an open current account at Raiffeisen bank, on which they have access via Internet bankingRB and use authorisation device SMS code.

Type of payments

Type of payments offered by the Third-party application:

  • E-commerce payments
  • Non E-commerce payments
E-commerce payments

E-commerce payments are irrevocable, synchronic processed, not forward and with an unfilled payment date (Date of processing is immediately).

Following conditions will apply for e-commerce payments:

SEPA payments

  • Payment currency only EUR
  • SEPA payments within Slovakia
  • Conversion is not allowed on credit side
  • Debtor account is current account only
  • Debtor and creditor account format IBAN only, condition of "SK" country code in IBAN must be fulfilled
  • Date of processing must be current date

If an e-commerce payment fails to meet these conditions, it will be rejected.

The payment sent to the bank during the technical break will be rejected.

Non e-commerce payments

Non e-commerce payments are non-synchronous, current date payments or forward payments.

Following conditions will apply for Non e-commerce payments:

SEPA payments

  • Payment currency only EUR
  • SEPA payments within the SEPA area
  • Debtor account is current account only
  • Date of processing can be forward
  • Debtor and creditor account format IBAN only

If a Non e-commerce payment fails to meet these conditions, it will be rejected.

If banking date change over time between the client's confirmation and the commit of the payment from the third party provider, then the payment will be executed with next business date.

Payments

Following types of payments are available via the Third-party application:

 

Payment Type
Format
SEPA /FPO
Payment Currency
Payer Account Currency
Payee Account in
Payer Account Format
Payee Account Format
Priority
Processing Date
Non ecommerce payments
JSON
sepa payment
EUR
EUR
Raiffeisen bank
IBAN
IBAN
Normal only
Current/Forward
 
 
sepa payment
EUR
EUR
Slovakia
IBAN
IBAN
Normal only
Current/Forward
 
 
sepa payment
EUR
EUR
Foreign Country
IBAN
IBAN
Normal only
Current/Forward
Ecommerce payments
JSON
sepa payment
EUR
EUR
Raiffeisen bank
IBAN
IBAN
Normal only
Current day only
 
 
sepa payment
EUR
EUR
Slovakia
IBAN
IBAN
Normal only
Current day only

Cut of time

Remember to check periods for payment order submitting in order to have payments processed at the time you request.

Cut of time periods for payments initiated via the The Third-party applications are available on our web site.

Payment Limits

Payments realised via the Third-party application will be included in the existing daily and monthly limits applicable to the Internet bankingRB. Payment limits are cumulative per client account. The Payments API requires additional authorisation by the SMS code for each initiated payment.

Charges for client

Payments realised via the Third-party application are included in the monthly account charges. For actual account’s charges please check our web site.

Technical break

E-commerce payments can be made non-stop, but during the daily closure (technical break) lasting approx. 30 minutes, 1.5 hours on Saturdays, which is usually on business days from 9:45 p.m. to 10:45 p.m. and on Saturdays from 9:45 p.m. to 11:45 p.m., e-commerce payments are rejected.

Non e-commerce payments can be made non-stop, but during the daily closure (technical break) lasting approx. 30 minutes, 1.5 hours on Saturdays, which is usually on business days from 9:45 p.m. to 10:45 p.m. and on Saturdays from 9:45 p.m. to 11:45 p.m., payment orders are carried out with the processing date of the next banking day.

Payment orders submitted with processing date later than the date of entry (with a processing date later than the current date in the system), will be processed by the bank in the early hours of the required date.

The system works with the date of the next banking day on Sundays and during holidays, therefore the payments are made even in these days with the due date specified by the client /Monday – Saturday except holidays/.

Non-authorised transaction rectification

According to PSD2 legislative article 73 point 2 and 3, if the payment initiation service provider is liable for the unauthorised payment transaction, it shall immediately compensate the account servicing payment service provider at its request for the losses incurred or sums paid as a result of the refund to the payer, including the amount of the unauthorised payment transaction. In accordance with Article 72(1), the burden shall be on the payment initiation service provider to prove that, within its sphere of competence, the payment transaction was authenticated, accurately recorded and not affected by a technical breakdown or other deficiency linked to the payment service of which it is in charge. Payment initiation service provider will be contacted via contact provided by registration. Payment initiation service provider shall provide cooperation and compensation immediately.