Partner Real-Time Payment Webhooks v0.1.1

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This API defines a webhook which a partner provider, Open Payment Network (OPN), may use to inform Apiture Digital Banking of an incoming real-time payment (also known as a debit real-time payment - one that debits the sender's account).

This is a vendor-specific partner API.

Download OpenAPI Definition (YAML)

Base URLs:

• https://api.apiture.com/partners

Terms of service

Email: Apiture Web: Apiture

License: Apiture API License

Authentication

• OAuth2 authentication (clientCredentials)
  • Client Credentials OAuth2 flow that allows a secure service application to access resources. (This access is not used with insecure clients such as web or mobile applications.) See details at Secure Access.
  • Flow: clientCredentials
  • Token URL = https://dev-oidc.apiture-comm-nonprod.com/oidc/token

Real-Time Payment Partner Webhooks

Real-Time Payment Partner Webhooks

sendIncomingRealTimePayments

Code samples

# You can also use wget
curl -X POST https://api.apiture.com/partners/openPaymentNetwork/incomingRealTimePayments \
  -H 'Content-Type: application/json' \
  -H 'Accept: application/problem+json' \
  -H 'Authorization: Bearer {access-token}'

POST https://api.apiture.com/partners/openPaymentNetwork/incomingRealTimePayments HTTP/1.1
Host: api.apiture.com
Content-Type: application/json
Accept: application/problem+json

const fetch = require('node-fetch');
const inputBody = '{
  "source_url": "string",
  "webhook_url": "string",
  "transfers": [
    {
      "id": "string",
      "url": "string",
      "currency": "string",
      "amount": "0",
      "workflow_type": "string"
    }
  ]
}';
const headers = {
  'Content-Type':'application/json',
  'Accept':'application/problem+json',
  'Authorization':'Bearer {access-token}'

};

fetch('https://api.apiture.com/partners/openPaymentNetwork/incomingRealTimePayments',
{
  method: 'POST',
  body: inputBody,
  headers: headers
})
.then(function(res) {
    return res.json();
}).then(function(body) {
    console.log(body);
});

var headers = {
  'Content-Type':'application/json',
  'Accept':'application/problem+json',
  'Authorization':'Bearer {access-token}'

};

$.ajax({
  url: 'https://api.apiture.com/partners/openPaymentNetwork/incomingRealTimePayments',
  method: 'post',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

require 'rest-client'
require 'json'

headers = {
  'Content-Type' => 'application/json',
  'Accept' => 'application/problem+json',
  'Authorization' => 'Bearer {access-token}'
}

result = RestClient.post 'https://api.apiture.com/partners/openPaymentNetwork/incomingRealTimePayments',
  params: {
  }, headers: headers

p JSON.parse(result)

import requests
headers = {
  'Content-Type': 'application/json',
  'Accept': 'application/problem+json',
  'Authorization': 'Bearer {access-token}'
}

r = requests.post('https://api.apiture.com/partners/openPaymentNetwork/incomingRealTimePayments', params={

}, headers = headers)

print r.json()

URL obj = new URL("https://api.apiture.com/partners/openPaymentNetwork/incomingRealTimePayments");
HttpURLConnection con = (HttpURLConnection) obj.openConnection();
con.setRequestMethod("POST");
int responseCode = con.getResponseCode();
BufferedReader in = new BufferedReader(
    new InputStreamReader(con.getInputStream()));
String inputLine;
StringBuffer response = new StringBuffer();
while ((inputLine = in.readLine()) != null) {
    response.append(inputLine);
}
in.close();
System.out.println(response.toString());

package main

import (
       "bytes"
       "net/http"
)

func main() {

    headers := map[string][]string{
        "Content-Type": []string{"application/json"},
        "Accept": []string{"application/problem+json"},
        "Authorization": []string{"Bearer {access-token}"},
        
    }

    data := bytes.NewBuffer([]byte{jsonReq})
    req, err := http.NewRequest("POST", "https://api.apiture.com/partners/openPaymentNetwork/incomingRealTimePayments", data)
    req.Header = headers

    client := &http.Client{}
    resp, err := client.Do(req)
    // ...
}

Inform Apiture Digital Banking of an incoming real-time payment from Open Payment Network.

POST https://api.apiture.com/partners/openPaymentNetwork/incomingRealTimePayments

The vendor Open Payment Network (OPN) uses this webhook to inform ADB of new or updated real-time payments which debit the senders' accounts and credit the recipients' account at this financial institution.

Body parameter

{
  "source_url": "string",
  "webhook_url": "string",
  "transfers": [
    {
      "id": "string",
      "url": "string",
      "currency": "string",
      "amount": "0",
      "workflow_type": "string"
    }
  ]
}

Parameters

Example responses

400 Response

{
  "id": "3fbad566-be86-4b22-9ba6-3ca99fdc0799",
  "type": "https://production.api.apiture.com/errors/badRequest/v1.0.0",
  "title": "Bad Request",
  "status": 400,
  "occurredAt": "2022-04-25T12:42:21.375Z",
  "detail": "Input did not parse as JSON",
  "instance": "https://production.api.apiture.com/banking/transfers/bb709151-575041fcd617"
}

Responses

Response Schema

Status Code 400

Status Code 401

Status Code 403

Status Code 429

Status Code 4XX

Status Code 5XX

Schemas

TransferDetail

{
  "id": "string",
  "url": "string",
  "currency": "string",
  "amount": "0",
  "workflow_type": "string"
}

Transfer Detail (v1.0.0)

The vendor-defined payload for each real-time payment in a webhook message.

Properties

apiProblem

{
  "id": "3fbad566-be86-4b22-9ba6-3ca99fdc0799",
  "type": "https://production.api.apiture.com/errors/accountNotFound/v1.0.0",
  "title": "Account Not Found",
  "status": 422,
  "occurredAt": "2022-04-25T12:42:21.375Z",
  "detail": "No account exists at the given account_url",
  "instance": "https://production.api.apiture.com/banking/transfers/bb709151-575041fcd617"
}

API Problem (v1.2.1)

API problem or error, as per RFC 7807 application/problem+json.

Properties

challengeFactor

{
  "type": "sms",
  "labels": [
    "9876"
  ]
}

Challenge Factor (v1.2.1)

A challenge factor. See requiredIdentityChallenge for multiple examples.

Properties

challengeFactorId

"string"

Challenge Factor ID (v1.0.0)

The ID of an a challenge factor. This ID is unique within the factors offered with a challenge.

type: string

minLength: 3
maxLength: 48
pattern: "^[-a-zA-Z0-9$_]{3,48}$"

challengeFactorType

"sms"

Challenge Factor Type (v1.0.0)

The name of challenge factor.

challengeFactorType strings may have one of the following enumerated values:

type: string

enum values: sms, email, voice, securityQuestions, authenticatorToken

challengeOperationId

"string"

Challenge Operation ID (v1.0.1)

The ID of an operation/action for which the user must verify their identity via an identity challenge. This is passed when starting a challenge factor or when validating the identity challenge responses.

type: string

minLength: 6
maxLength: 48
pattern: "^[-a-zA-Z0-9$_]{6,48}$"

challengePromptId

"string"

Challenge Prompt ID (v1.0.0)

The unique ID of a prompt (such as a security question) in a challenge factor.

type: string

minLength: 1
maxLength: 48
pattern: "^[-_:.~$a-zA-Z0-9]+$"

challengeSecurityQuestion

{
  "id": "74699fa628911e762ea5",
  "prompt": "What is your mother's maiden name?"
}

Challenge Security Question (v1.0.1)

A single security question within the questions array of the challengeSecurityQuestions

Properties

challengeSecurityQuestions

{
  "questions": [
    {
      "id": "q1",
      "prompt": "What is your mother's maiden name?"
    },
    {
      "id": "q4",
      "prompt": "What is your high school's name?"
    },
    {
      "id": "q9",
      "prompt": "What is the name of your first pet?"
    }
  ]
}

Challenge Security Questions (v1.0.1)

Describes a securityQuestions challenge. This is omitted if the challenge type is not securityQuestions.

Properties

incomingPartnerRealTimePayments

{
  "source_url": "string",
  "webhook_url": "string",
  "transfers": [
    {
      "id": "string",
      "url": "string",
      "currency": "string",
      "amount": "0",
      "workflow_type": "string"
    }
  ]
}

Incoming Partner Real Time Payments (v1.0.0)

The vendor-defined webhook body payload for new incoming real-time payments or updates to real-time payments.

Properties

problemResponse

{
  "id": "3fbad566-be86-4b22-9ba6-3ca99fdc0799",
  "type": "https://production.api.apiture.com/errors/noSuchAccount/v1.0.0",
  "title": "Account Not Found",
  "status": 422,
  "occurredAt": "2022-04-25T12:42:21.375Z",
  "detail": "No account exists for the given account reference",
  "instance": "https://production.api.apiture.com/banking/transfers/bb709151-575041fcd617"
}

Problem Response (v0.4.1)

API problem or error response, as per RFC 9457 application/problem+json.

Properties

readOnlyResourceId

"string"

Read-only Resource Identifier (v1.0.1)

The unique, opaque system-assigned identifier for a resource. This case-sensitive ID is also used in URLs as path parameters or in other properties or parameters that reference a resource by ID rather than URL. Resource IDs are immutable.

type: string

read-only
minLength: 6
maxLength: 48
pattern: "^[-_:.~$a-zA-Z0-9]{6,48}$"

readOnlyTimestamp

"2021-10-30T19:06:04.250Z"

Read-Only Timestamp (v1.0.0)

A readonly or derived timestamp (an instant in time) formatted in RFC 3339 date-time UTC format: YYYY-MM-DDThh:mm:ss.sssZ.

type: string(date-time)

read-only
format: date-time
minLength: 20
maxLength: 30

requiredIdentityChallenge

{
  "operationId": "createTransfer",
  "challengeId": "0504076c566a3cf7009c",
  "factors": [
    {
      "type": "sms",
      "labels": [
        "9876"
      ],
      "id": "85c0ee5753fcd0b0953f"
    },
    {
      "type": "voice",
      "labels": [
        "9876"
      ],
      "id": "d089e10a80a8627df37b"
    },
    {
      "type": "voice",
      "labels": [
        "6754"
      ],
      "id": "10506ecf9d1c2ee00403"
    },
    {
      "type": "email",
      "labels": [
        "an****nk@example.com",
        "an****98@example.com"
      ],
      "id": "e917d671cb2f030b56f1"
    },
    {
      "type": "authenticatorToken",
      "labels": [
        "Acme fob"
      ],
      "id": "fe6c452d7da0bbb4e407"
    },
    {
      "type": "securityQuestions",
      "securityQuestions": {
        "questions": [
          {
            "id": "q1",
            "prompt": "What is your mother's maiden name?"
          },
          {
            "id": "q4",
            "prompt": "What is your high school's name?"
          },
          {
            "id": "q9",
            "prompt": "What is the name of your first pet?"
          }
        ]
      },
      "id": "df33c6f88a37d6b3f0a6"
    }
  ]
}

Required Challenge (v1.2.3)

A request from the service for the user to verify their identity. This contains a challenge ID, the corresponding operation ID, and a list of challenge factors for identity verification. The user must complete one of these challenge factors to satisfy the challenge. This schema defines the attributes in the 401 Unauthorized problem response when the 401 problem type name is challengeRequired. See the "Challenge API" for details.

Properties

resourceId

"string"

Resource Identifier (v1.0.1)

The unique, opaque system identifier for a resource. This case-sensitive ID is also used as path parameters in URLs or in other properties or parameters that reference a resource by ID rather than URL.

type: string

minLength: 6
maxLength: 48
pattern: "^[-_:.~$a-zA-Z0-9]{6,48}$"