Premium API - Payments

Download Premium API Payments - 1.0 specification (swagger)

 

{Payment service} available values : payments, bulk-payments

{Payment product} available values: sepa-credit-transfers, pain.001-sepa-credit-transfers

 

Payments API Description

The Payments API allows third party applications to perform money transfers from a bank client's account on his behalf, by using single and bulk SEPA Credit Transfers.

Clients Payments API Description

The Third-party application can be used by clients of Tatra banka with a current account opened at Tatra banka, to which they have access via Internet bankingTB and they use authorisation device Card and ReaderTB

Type of payments

Type of payments offered by the Third-party application:

  • Standard Single SEPA Credit Transfers 
  • Standard Bulk SEPA Credit Transfers

Standard Single SEPA Credit Transfers

Standard Single SEPA Credit Transfers are non-synchronous, current date payments or forward payments.

Following conditions will apply for Standard Single SEPA Credit Transfers:

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 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.

Standard Bulk SEPA Credit Transfers

Standard Bulk SEPA Credit Transfers are non-synchronous, current date payments or forward payments. Following conditions and limitations will apply for Standard Bulk SEPA Credit Transfers:
 
  • Payment currency must be for all transactions the same  (EUR only) 
  • 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 banking date changes over time between the client's confirmation and the commit of the payment from the third party provider, then the payment will be executed on the next business date.
  • Possibility to initialize payment in pain.001 format for TB accounts (see Pain 001 specification)
  • It is only possible to initiate bulk payment from 1 debit account (not combinations of multiple debtor accounts)
  • Posting date / executionDate must be on the same day
  • Outgoing payments must be made to only accounts in SVK banks, or only payments abroad - it is not possible to combine them within a payment order
  • Bulk payments have lower priority than single payments
  • Debtor and Creditor account format IBAN only
  • Date of processing can be forward (max 61 days)
  • Maximum limit of transactions within one bulk payment is 500

Single Payments

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

 
Format Standard SEPA/FPO Payment
Currency
Payer
Account
Currency
Payee
Account
in
Payer
Account
Format
Payee
Account
Format
Priority Processing
Date
JSON SEPA sepa
payment
EUR EUR,
FCY
Tatra
banka
IBAN IBAN Normal only Current/Forward
  SEPA sepa
payment
EUR EUR,
FCY
Slovakia IBAN IBAN Normal only Current/Forward
  SEPA sepa
payment
EUR EUR,
FCY
Foreign
country
IBAN IBAN Normal only Current/Forward
XML SEPA sepa
payment
EUR EUR,
FCY
Tatra
banka
IBAN IBAN Normal only Current/Forward
  SEPA sepa
payment
EUR EUR,
FCY
Slovakia IBAN IBAN Normal only Current/Forward
  SEPA sepa
payment
EUR EUR,
FCU
Foreign
Country
IBAN IBAN Normal only Current/Forward

 

Bulk Payments

Format Standard SEPA/FPO Payment
Currency
Payer
Account
Currency
Payee
Account
in
Payer
Account
Format
Payee
Account
Format
Priority Processing
Date
XML SEPA sepa
payment
EUR EUR,
FCY
Tatra
banka
IBAN IBAN Lower only Current/Forward
  SEPA sepa
payment
EUR EUR,
FCY
Slovakia IBAN IBAN Lower only Current/Forward
  SEPA sepa
payment
EUR EUR,
FCU
Foreign
Country
IBAN IBAN Lower only Current/Forward

 

Signing Rules Bulk Payments 

Signing Rules of Bulk payments: One level signature or Multi SCA signature. The system automatically validates each Bulk payment request and evaluates required level of signing for specific user based on his Signing rules. 
Authorization starts with redirect to startAuthorization link and there are three possible case scenarios:
  1. Pasive authorization rights (after signing Bulk payment by a user that has Pasive authorization rights the payment goes to „extempted status“ and the payment needs to be signed by client with Full authorization rights. After that, the payment goes to “finalised status“.
  2. Full authorization rights (after signing Bulk payment by a user with full authorization right the payment goes directly to „finalised status“). 
  3. Multi-authorization rights (after signing Bulk payment by first user the payment goes to „ACSP status“ and the signature request is sent to other users that need to sign the payment. After all signatures needed the payment goes to „finalised status“.

Cut-off time

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

Cut-off time periods for payments initiated via the The Third-party applications are available on our Tatra banka 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 .

Charges

Payments realised via the Third-party application 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

Standard Single SEPA Credit Transfers 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.

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/.