Consent Journey - TapiPay

Overview

Initiating payments and subsequently retrieving details about them functions in a similar way to gaining consent to retrieve an End-User bank data.

A payment instruction must first be setup via our API, and then consent must be gained from the End-User to make the payment via our Consent Journey.

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Account Servicer Support

Payment Initiations can only be performed in cases when the Account Servicer supports it.

1. Create a Payment Instruction

/payment-instructions POST body example

{
  "amount": 100.0,
  "currency": "GBP",
  "creditorAccount": {
    "name": "account name",
    "agentIdentifier": {
      "identifierType": "SortCode",
      "identifier": "123456"
    },
    "accountIdentifier": {
      "identifierType": "AccountNumber",
      "identifier": "11223344"
    }
  },
  "endToEndIdentification": "19384737",
  "remitterReference": "AB123567"
}

/payment-instructions POST response example

{
  "data": [
    {
      "accountServicerId": null,
      "accountServicerPaymentId": null,
      "amount": {
        "instrumentId": "GBP",
        "quantity": 100.0
      },
      "creditorAccount": {
        "accountIdentifier": {
          "identifier": "b20e4a55acfb3cddd388f47549527390",
          "identifierType": "AccountNumber"
        },
        "agentIdentifier": {
          "identifier": "0750990fb7015c646e04578f9da04073",
          "identifierType": "SortCode"
        },
        "name": "account name"
      },
      "endToEndIdentification": "19384737",
      "externalCustomerId": null,
      "instructionId": "894d48e7-2b5f-474a-ba34-fbe0df322397",
      "paymentMethod": null,
      "redirectUri": "https://sandbox.tapico.io/payment-instruction-start/894d48e7-2b5f-474a-ba34-fbe0df322397",
      "remittanceInformation": null,
      "remitterReference": "AB123567",
      "status": "AwaitingAuthorisation"
    }
  ],
  "meta": {
    "correlationId": "a8e627d1-0a16-e67b-0db6-311bf6eb5ca3"
  }
}

Create a payment instruction by making a POST request to the /payment-instructions endpoint. The mandatory fields required to create a basic payment are as follows:

2. Redirect your End-User to the "redirectUri".

Redirecting your End-User to the redirectUri will launch the default Tapico Consent Flow for a Payment Initiation.

3. Review Payment & Capture Consent

Once the Account Servicer has been selected the End-User is asked to review the payment instruction and give their consent to submit the payment instruction to their select Account Servicer.

4. The End-User is redirected to the Account servicer's authentication prompt

Redirect Options

The default Tapico Consent Flow comes with two redirect options for the End-User.

1. Redirect to web-portal - If the End-User selects submit they will be redirected to the Account Servicer's web portal where the End-User will login via existing process as defined by that Account Servicer.

2. Redirect to mobile app - The End-User has the option to scan the presented QR using the camera on their mobile device to open the Account Servicer's mobile app.

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Redirect to mobile app - nice to knows

1. What if your Application is already a mobile app?

The default Tapico Consent Flow UX is responsive. Therefore if your Application is a mobile app the QR code will not be presented and Tapico is smart enough to know to try and redirect to an Account Servicer's App on the End-User's device first.

2. What if the Account Servicer selected does not have a mobile app?

Tapico will redirect to the Account Servicer's portal if no mobile app is found on the End-User's device.

Depending on the Account Servicer the End-User may be asked to select which specific account to make the payment from.