Mock sample for your project: Swiss NextGen Banking API-Framework

Integrate with "Swiss NextGen Banking API-Framework" from openbankingproject.ch in no time with Mockoon's ready to use mock sample

Swiss NextGen Banking API-Framework

openbankingproject.ch

Version: 1.3.8_2020-12-14 - Swiss edition 1.3.8.1-CH


Use this API in your project

Speed up your application development by using "Swiss NextGen Banking API-Framework" ready-to-use mock sample. Mocking this API will help you accelerate your development lifecycles and allow you to stop relying on an external API to get the job done. No more API keys to provision, accesses to configure or unplanned downtime, just work.
Enhance your development infrastructure by mocking third party APIs during integrating testing.

Description

Summary
The Swiss NextGen API is based on the NextGenPSD2 Framework Version 1.3.4 of the Berlin Group which offers a modern, open, harmonised and interoperable set of
Application Programming Interfaces (APIs) as the safest and most efficient way to provide data securely.
The NextGen Framework reduces XS2A complexity and costs, addresses the problem of multiple competing standards
in Europe and, aligned with the goals of the Euro Retail Payments Board,
enables European banking customers to benefit from innovative products and services ('Banking as a Service')
by granting TPPs safe and secure (authenticated and authorised) access to their bank accounts and financial data.
The Swiss edtion refines the message formats specific to Switzerland and defines some matching examples.
The possible Approaches are:
Redirect SCA Approach
(Not recommended by obp.ch community) OAuth SCA Approach
(Not recommended by obp.ch community) Decoupled SCA Approach
(Not recommended by obp.ch community) Embedded SCA Approach without SCA method
(Not recommended by obp.ch community) Embedded SCA Approach with only one SCA method available
(Not recommended by obp.ch community) Embedded SCA Approach with Selection of a SCA method
Not every message defined in this API definition is necessary for all approaches.
Furthermore this API definition does not differ between methods which are mandatory, conditional, or optional
Therefore for a particular implementation of a compliant API it is only necessary to support
a certain subset of the methods defined in this API definition.
**Please have a look at the implementation guidelines if you are not sure
which message has to be used for the approach you are going to use.**
Some General Remarks Related to this version of the OpenAPI Specification:
This API definition is based on the Implementation Guidelines of the Berlin Group API.
It is not a replacement in any sense.
The main specification is (at the moment) always the Implementation Guidelines of the Berlin Group API.
This API definition contains the REST-API for requests from the PISP to the ASPSP.
This API definition contains the messages for all different approaches defined in the Implementation Guidelines.
According to the OpenAPI-Specification [https://github.com/OAI/OpenAPI-Specification/blob/master/versions/3.0.1.md]
"If in is "header" and the name field is "Accept", "Content-Type" or "Authorization", the parameter definition SHALL be ignored."
The element "Accept" will not be defined in this file at any place.
The elements "Content-Type" and "Authorization" are implicitly defined by the OpenApi tags "content" and "security".
There are several predefined types which might occur in payment initiation messages,
but are not used in the standard JSON messages in the Implementation Guidelines.
Therefore they are not used in the corresponding messages in this file either.
We added them for the convenience of the user.
If there is a payment product, which needs these fields, one can easily use the predefined types.
But the ASPSP need not to accept them in general.
**We omit the definition of all standard HTTP header elements (mandatory/optional/conditional)
except they are mentioned in the Implementation Guidelines.**
Therefore the implementer might add these in his own realisation of a comlient API in addition to the elements defined in this file.
General Remarks on Data Types
The Berlin Group definition of UTF-8 strings in context of the API have to support at least the following characters
a b c d e f g h i j k l m n o p q r s t u v w x y z
A B C D E F G H I J K L M N O P Q R S T U V W X Y Z
0 1 2 3 4 5 6 7 8 9
/ - ? : ( ) . , ' +
Space

Other APIs in the same category

Event Notification API Specification - TPP Endpoints

openbanking.org.uk
Swagger for Event Notification API Specification - TPP Endpoints

Storecove API

storecove.com
Storecove API

Advicent.FactFinderService

naviplancentral.com
An API for accessing the NaviPlan Fact Finder.

NOWPayments API

nowpayments.io
NOWPayments is a non-custodial cryptocurrency payment processing platform. Accept payments in a wide range of cryptos and get them instantly converted into a coin of your choice and sent to your wallet. Keeping it simple – no excess.
Sandbox
Before production usage, you can test our API using the Sandbox. Details can be found here
Authentication
To use the NOWPayments API you should do the following:
Sign up at nowpayments.io
Specify your outcome wallet
Generate an API key
Standard e-commerce flow for NOWPayments API:
API - Check API availability with the "GET API status" method. If required, check the list of available payment currencies with the "GET available currencies" method.
UI - Ask a customer to select item/items for purchase to determine the total sum;
UI - Ask a customer to select payment currency
API - Get the minimum payment amount for the selected currency pair (payment currency to your Outcome Wallet currency) with the "GET Minimum payment amount" method;
API - Get the estimate of the total amount in crypto with "GET Estimated price" and check that it is larger than the minimum payment amount from step 4;
API - Call the "POST Create payment" method to create a payment and get the deposit address (in our example, the generated BTC wallet address is returned from this method);
UI - Ask a customer to send the payment to the generated deposit address (in our example, user has to send BTC coins);
UI - A customer sends coins, NOWPayments processes and exchanges them (if required), and settles the payment to your Outcome Wallet (in our example, to your ETH address);
API - You can get the payment status either via our IPN callbacks or manually, using "GET Payment Status" and display it to a customer so that they know when their payment has been processed.
API - you call the list of payments made to your account via the "GET List of payments" method. Additionally, you can see all of this information in your Account on NOWPayments website.
Alternative flow
API - Check API availability with the "GET API status" method. If required, check the list of available payment currencies with the "GET available currencies" method.
UI - Ask a customer to select item/items for purchase to determine the total sum;
UI - Ask a customer to select payment currency
API - Get the minimum payment amount for the selected currency pair (payment currency to your Outcome Wallet currency) with the "GET Minimum payment amount" method;
API - Get the estimate of the total amount in crypto with "GET Estimated price" and check that it is larger than the minimum payment amount from step 4;
API - Call the "POST Create Invoice method to create an invoice. Set "success_url" - parameter so that the user will be redirected to your website after successful payment.
UI - display the invoice url or redirect the user to the generated link.
NOWPayments - the customer completes the payment and is redirected back to your website (only if "success_url" parameter is configured correctly!).
API - You can get the payment status either via our IPN callbacks or manually, using "GET Payment Status" and display it to a customer so that they know when their payment has been processed.
API - you call the list of payments made to your account via the "GET List of payments" method. Additionally, you can see all of this information in your Account on NOWPayments website.
API Documentation
Instant Payments Notifications
IPN (Instant payment notifications, or callbacks) are used to notify you when transaction status is changed.
To use them, you should complete the following steps:
Generate and save the IPN Secret key in Store Settings tab at the Dashboard.
Insert your URL address where you want to get callbacks in createpayment request. The parameter name is ipn\callback\_url. You will receive payment updates (statuses) to this URL address.
You will receive all the parameters at the URL address you specified in (2) by POST request.
The POST request will contain the x-nowpayments-sig parameter in the header.
The body of the request is similiar to a get payment status response body.
Example:
{"paymentid":5077125051,"paymentstatus":"waiting","payaddress":"0xd1cDE08A07cD25adEbEd35c3867a59228C09B606","priceamount":170,"pricecurrency":"usd","payamount":155.38559757,"actuallypaid":0,"paycurrency":"mana","orderid":"2","orderdescription":"Apple Macbook Pro 2019 x 1","purchaseid":"6084744717","createdat":"2021-04-12T14:22:54.942Z","updatedat":"2021-04-12T14:23:06.244Z","outcomeamount":1131.7812095,"outcome_currency":"trx"}
Sort all the parameters from the POST request in alphabetical order.
Convert them to string using
JSON.stringify (params, Object.keys(params).sort()) or the same function.
Sign a string with an IPN-secret key with HMAC and sha-512 key
Compare the signed string from the previous step with the x-nowpayments-sig , which is stored in the header of the callback request.
If these strings are similar it is a success.
Otherwise, contact us on [email protected] to solve the problem.
Example of creating a signed string at Node.JS
const hmac = crypto.createHmac('sha512', notificationsKey);
hmac.update(JSON.stringify(params, Object.keys(params).sort()));
const signature = hmac.digest('hex');
Example of comparing signed strings in PHP
function checkipnrequestisvalid()
{
$error_msg = "Unknown error";
$auth_ok = false;
$request_data = null;
if (isset($SERVER['HTTPXNOWPAYMENTSSIG']) && !empty($SERVER['HTTPXNOWPAYMENTSSIG'])) {
$recivedhmac = $SERVER['HTTPXNOWPAYMENTS_SIG'];
$requestjson = fileget_contents('php://input');
$requestdata = jsondecode($request_json, true);
ksort($request_data);
$sortedrequestjson = jsonencode($requestdata);
if ($requestjson !== false && !empty($requestjson)) {
$hmac = hashhmac("sha512", $sortedrequestjson, trim($this->ipnsecret));
if ($hmac == $recived_hmac) {
$auth_ok = true;
} else {
$error_msg = 'HMAC signature does not match';
}
} else {
$error_msg = 'Error reading POST data';
}
} else {
$error_msg = 'No HMAC signature sent.';
}
}
Recurrent payment notifications
If an error is detected, the payment is flagged and will receive additional recurrent notifications (number of recurrent notifications can be changed in your Store Settings-> Instant Payment Notifications).
If an error is received again during processing of the payment, recurrent notifications will be initiated again.
Example: "Timeout" is set to 1 minute and "Number of recurrent notifications" is set to 3.
Once an error is detected, you will receive 3 notifications at 1 minute intervals.
Several payments for one order
If you want to create several payments for one Order you should do the following:
Create a payment for the full order amount.
Save "purchaseid" which will be in "createpayment" response
Create next payment or payments with this "purchaseid" in "createpayment" request.
Only works for partially_paid payments
It may be useful if you want to give your customers opportunity to pay a full order with several payments, for example, one part in BTC and one part in ETH. Also, if your customer accidentally paid you only part of a full amount, you can automatically ask them to make another payment.
Packages
Please find our out-of-the box packages for easy integration below:
JavaScript package
More coming soon!
Payments

Tradeworks

magick.nu
Authentication is required to access all methods of the API. Enter username and password.
Credentials are automatically set as you type.

Afterbanks API

afterbanks.com
La estandarización de la conexión con cualquier banco en tiempo real.

PayRun.IO

Open, scableable, transparent payroll API.

Xero OAuth 2 Identity Service API

These endpoints are related to managing authentication tokens and identity for Xero API

Fire Financial Services Business API

The fire.com API allows you to deeply integrate Business Account features into your application or back-office systems.
The API provides read access to your profile, accounts and transactions, event-driven notifications of activity on the account and payment initiation via batches. Each feature has its own HTTP endpoint and every endpoint has its own permission.
The API exposes 3 main areas of functionality: financial functions, service information and service configuration.
Financial Functions
These functions provide access to your account details, transactions, payee accounts, payment initiation etc.
Service Functions
These provide information about the fees and limits applied to your account.
Service configuration
These provide information about your service configs - applications, webhooks, API tokens, etc.

Yunbi

yunbi.com
Professional Cloud Trading Platform for Digital Assets

Open Data API

openbanking.org.uk
Latest Swagger specification for OpenData

1Forge Finance APIs

Stock and Forex Data and Realtime Quotes