Premium API - Payments
Download Premium API Payments 1.0 specification (swagger)
Download oncoming Premium API Payments 1.0.1 specification (swagger)
{Payment service} available values : payments, bulk-payments
{Payment product} available values: sepa-credit-transfers, pain.001-sepa-credit-transfers, instant-sepa-credit-transfers, pain.001-instant-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
- Instant Single SEPA Credit Transfers
- Instant Bulk SEPA Credit Transfers (in oncoming version)
Single SEPA Credit Transfers
Single SEPA Credit Transfers are non-synchronous (ACSP state), current date payments or forward payments.
Following conditions apply for Instant Single Standard /Instant SEPA Credit Transfers:
Single SEPA payments:
- Payment currency only EUR
- SEPA payments within the SEPA area
- Debtor account is current account only
- Date of processing can be forward (max 60 days into future)
- Debtor and Creditor account format IBAN only
- Payment sent from TB account to TB or RB account will be processed as standard internal payment
- Instant payments are allowed only for debtor's EUR accounts
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 with next business date.
There are possible two different types of Instant Payment processing flows (using header request attribute Instant-Payment-Flow):
- Optional – In case that it is not possible to process payment as instant, the payment will be automatically switched to Standard SEPA Credit Transfer.
- Mandatory – In this case if its not possible to process payment as Instant, payment is rejected
API consumer will be able get final process result by calling GET /status method. In case that Instant Payment status is in ACSC status – final success status, also 3 additional responses will be provided:
- ProcessedAsInstantPayment - The information is provided in case instant-sepa-credit-transfers, and pain.001-instant-sepa-credit-transfers and only if payment is in state ACSC. If payment was requested as instant payment and it was NOT possible process it as instant for specific reason (reason will be specified via additionalReasonCode and additionalReasonDescription), the attribute value will be set to 'false', otherwise 'true'.
- AdditionalReasonCode - Additional reason code is filled up in case of payment-product set to instant-sepa-credit-transfers, and pain.001-instant-sepa-credit-transfers and only if payment is in state ACSC. Full list of possible values will be available on statuses sub-page . Its available only in case processedAsInstantPayment = false
- AdditionalReasonCodeDescription - The information is provided in case instant-sepa-credit-transfers, and pain.001-instant-sepa-credit-transfers and only if payment is in state ACSC. Contains description how/why was (or not) payment process. Its available only in case processedAsInstantPayment = false
Bulk SEPA Credit Transfers
Note: All informations for bulk instant payments are valid for oncoming version of API. Current version doesnt contain this feature.
- 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 SK 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
- Its not possible to combine creditor SK IBANs with non-SK IBANs in bulk payment
- Instant payments are allowed only for debtor's EUR accounts (for Instant)
For Bulk Instant SCT the method GET /status will return multipart/mixed with boundary defined in swagger. Response contains 2 parts:
- Pain 002 XML
- Status information JSON for instant transaction identified by instructionIdentification. For specific transaction there is information how transaction was finally processed and reasonCodes. Meanings of the attributes are defined in Single instant SCT section.
Note:
In case of Bulk Instant SCT chosen flow will be applied to all instant transaction in the Bulk.
Combined bulk - instant and non-instant transactions are allowed, but in case of using payment product : pain.001-instant-sepa-credit-transfers at least one transaction has to be initiated as instant.
Internal instant transfers
All internal transactions initiated as instant will be processed as internal transfer and instant flag will be ignored.
Feature tables
payment-service\payment-product |
sepa-credit-transfers |
pain.001-sepa-credit-transfers |
instant-sepa-credit-transfers |
pain.001-instant-sepa-credit-transfers |
---|---|---|---|---|
payments |
yes |
yes |
yes |
yes |
bulk-payments |
no |
yes |
no |
yes |
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 |
Instant Payments |
---|---|---|---|---|---|---|---|---|---|---|
JSON |
SEPA |
sepa payment |
EUR |
EUR, FCY |
TB/RB |
IBAN |
IBAN |
Normal only |
Current/Forward |
Internal transaction |
|
SEPA |
sepa payment |
EUR |
EUR, FCY |
Slovakia |
IBAN |
IBAN |
Normal only |
Current/Forward |
Allowed (for banks supporting Instant Payments) |
|
SEPA |
sepa payment |
EUR |
EUR, FCY |
Foreign country |
IBAN |
IBAN |
Normal only |
Current/Forward |
Allowed (for banks supporting Instant Payments) |
XML |
SEPA |
sepa payment |
EUR |
EUR, FCY |
TB/RB |
IBAN |
IBAN |
Normal only |
Current/Forward |
Internal transaction |
|
SEPA |
sepa payment |
EUR |
EUR, FCY |
Slovakia |
IBAN |
IBAN |
Normal only |
Current/Forward |
Allowed (for banks supporting Instant Payments) |
|
SEPA |
sepa payment |
EUR |
EUR, FCU |
Foreign Country |
IBAN |
IBAN |
Normal only |
Current/Forward |
Allowed (for banks supporting Instant Payments) |
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 | Curent/Forward |
Signing Rules Bulk Payments
- 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“.
- Full authorization rights (after signing Bulk payment by a user with full authorization right the payment goes directly to „finalised status“).
- 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 .
Payment limits differ for Instant Payments.
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 and Instant 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/.