PISP API

Payments API

The Payments API allows third party applications to initiate payments from a bank client's account on his behalf.

Clients

Sandbox: Test data to be used for request messages is provided in Test Data page; please use test data provided for payment initiation through Third Party Providers for testing purposes.

Real API: Payment initiation through Third Party Providers can be used by Raiffeisen Bank clients who have access to an open current account available on Internet/ Mobile banking.

Type of payment services

The following payment products are available through PISP API:

■      Payments -> for single payments (immediate and future dated);

■      Periodic-payments -> for periodic payments.

Type of payment products

The following payment products are available through PISP API:

■      Domestic -> for payments in RON currency and IBAN starts with “RO”;

■      SEPA  (according to BGS: sepa-credit-transfers) -> payments in EUR currency within EEA area, destination bank is SEPA reachable;

■      Foreign (according to BGS: cross-border-credit-transfers) -> any other payment not meeting the conditions above.

Payment type is decided automatically by Raiffeisen Bank depending on the payment details of initiated payment.

The bank performs the regular checks and validations as for payments initiated by clients directly through Raiffeisen channels, including availability of funds.

  • The currencies available in Sandbox for initiating single payments are: RON, EUR, USD, JPY. In Real API available currencies will be: RON, USD, EUR, GBP, CHF, AUD, CAD, DKK, HUF, JPY, NOK, SEK, PLN, BGN;
  • The currency available in Sandbox for initiating periodic payments is RON. In Real API available currencies will be: RON, USD, EUR, GBP, CHF, AUD, CAD, DKK, HUF, JPY, NOK, SEK, PLN, BGN;
  • In Real API: Transaction currency should be the same with the debtor account currency or with the creditor account currency, if the creditor account is within Raiffeisen Bank; cross currency payments in RON are not accepted. In Sandbox this validation is not performed;
  • Single payments can be instructed as immediate or future dated (30 days scheduled clean-up anyway deletes payments with later executionDate). Execution date in the past is not allowed. Future dated payments that involves FX rate are not allowed in Real API (in Sandbox they are allowed);
  • Debtor account should be in IBAN format and available in Sandbox Test Data;
  • Creditor account should be in IBAN format; otherwise, if non-IBAN format is used then Creditor agent is mandatory and should contain BIC (8 or 11 char). For Raiffeisen Bank Romania accounts only IBAN format is  accepted;
  • Validation for PSU-ID and PSU-Corporate-ID fields: one ID has to be filled in, either PSU-ID or PSU-Corporate-ID.

Additional validations performed for periodic payments:

  • Periodic payments can be instructed with startDate immediate or future date in Real API and only with future date in Sandbox (30 days scheduled clean-up anyway deletes payments with later startDate). Start date in the past is not allowed. Periodic payments that involves FX rate are not allowed;
  • Account balance is checked when payment is executed. In case of no available funds: 
    • In Sandbox: balance will be updated with instructed amount (including negative balance, if case);
    • In Real API:
      • if transaction currency = RON there will be no reprocessing, transaction is rejected;
      • if transaction currency <> RON reprocessing is possible, transaction is kept in an intermediate status; if customer will transfer enough money into his account, at payment execution date, the transaction will be processed.
  • Field executionRule:
    • In Sandbox: this field is ignored;
    • In Real API: no value shall be instructed in field executionRule; otherwise the payment will be rejected.
  • Field endDate if received empty:
    • In Sandbox: instructed payment will have no endDate, but 30 days scheduled clean-up will delete it anyway;
    • In Real API: endDate will be prefilled with maximum endDate accepted = 10 years from payment initiation date; the calculated value of endDate field will be displayed in transaction details screen.

Payment Limits

Sandbox: There are no payment limits implemented in Sandbox.

Real API: Initiated payment processing is limited by transaction limit and daily limits as in Internet Banking.

Payment fees

Sandbox: There are no payment fees implemented in Sandbox.

Real API: Payments initiated through Third Party Providers are charged by Raiffeisen Bank to clients the same as the payments initiated via internet banking.

Exchange rates

Sandbox: Exchange rates used for payments initiated through Third Party Providers in Sandbox are mentioned in Test Data page. 

Real API: Exchange rates used for payments initiated through Third Party Providers are the same as one used for payments initiated via internet banking.