BMO Wire Payments (U.S.) API
Submits and tracks U.S. domestic and international wire payments from Online Banking for Business accounts, secured with OAuth 2.0 and a client API key.
OpenAPI Specification
{
"openapi": "3.0.3",
"info": {
"title": "Wire Payments (U.S.)",
"description": "WIRES APIs are used by customers/partners to send wire payment, send fedwire drawdown payment, and to inquire the status of the payment.",
"contact": {
"name": "WROS Support",
"url": "https://confluence.bmogc.net/x/PAGE_TO_BE_CREATED",
"email": "EWPCORE_TechSupport@bmo.com"
},
"version": "1.0.2",
"x-ibm-name": "wirepaymentapius",
"x-api-id": "BMO-ENT-f03de36a-fb59-4757-af38-b4afb449a908",
"x-bmo-api-type": "internal-api",
"x-bmoservicedomain-name": "Payment Initiation",
"x-bmo-api-provider-id": 87679,
"x-audience": "company-internal",
"x-template-version": "1.0.0",
"x-api-specification-compliant": true,
"x-ibm-summary": ""
},
"servers": [
{
"url": "https://sandbox-open-api.bmo.com/open-banking/commercial-sb"
}
],
"tags": [
{
"name": "SendPayment",
"description": "Receive wire payment request in PAIN.001 ISO from BMO Bank NA Partners/Customers to initiate wire payment and send acknowledgement as response in PAIN.002 ISO."
},
{
"name": "GetPaymentStatus",
"description": "Receive payment status inquiry request in CAMT.005 ISO from BMO Bank NA Partners/Customers and send payment status as response in PAIN.002 ISO."
},
{
"name": "SendFedwireDrawdownPayment",
"description": "Receive Fedwire Drawdown request in PAIN.013 ISO from BMO Bank NA Partners/Customers to initiate payment request and send acknowledgement as response in PAIN.014 ISO."
}
],
"paths": {
"/tpp/wires/payment-initiation/customer-credit-transfer-initiation/us": {
"post": {
"x-dataclassification-code": "Confidential",
"security": [
{
"api-key-1": [],
"OAuth": [
"bmo.tppwiresus.payment-initiation.create"
]
}
],
"description": "Receive wire payment request from BMO Bank NA Partners/Customers in PAIN.001 ISO as input and return acknwoledgement in PAIN.002 ISO as response.",
"tags": [
"SendPayment"
],
"operationId": "TppCustomerCreditTransferInitiation",
"summary": "Send Wire Payment",
"parameters": [
{
"$ref": "#/components/parameters/x-request-id"
},
{
"$ref": "#/components/parameters/x-fapi-interaction-id"
},
{
"$ref": "#/components/parameters/x-app-cat-id"
},
{
"$ref": "#/components/parameters/x-client-id"
},
{
"$ref": "#/components/parameters/x-api-key"
},
{
"$ref": "#/components/parameters/x-fapi-financial-id"
},
{
"$ref": "#/components/parameters/x-fapi-customer-last-logged-time"
},
{
"$ref": "#/components/parameters/x-fapi-customer-ip-address"
},
{
"$ref": "#/components/parameters/x-fapi-customer-user-agent"
},
{
"$ref": "#/components/parameters/x-csrf-token"
},
{
"$ref": "#/components/parameters/x-crypto-key"
},
{
"$ref": "#/components/parameters/Authorization"
},
{
"$ref": "#/components/parameters/true-client-ip"
}
],
"requestBody": {
"description": "CustomerCreditTransferInitiation - Send PAIN.001 ISO message.",
"content": {
"application/json": {
"schema": {
"$ref": "#/components/schemas/CustomerCreditTransferInitiationRequest"
}
}
},
"required": true
},
"responses": {
"200": {
"$ref": "#/components/responses/pain002"
},
"400": {
"$ref": "#/components/responses/400"
},
"401": {
"$ref": "#/components/responses/401"
},
"403": {
"$ref": "#/components/responses/403"
},
"404": {
"$ref": "#/components/responses/404"
},
"415": {
"$ref": "#/components/responses/415"
},
"429": {
"$ref": "#/components/responses/429"
},
"500": {
"$ref": "#/components/responses/500"
},
"504": {
"$ref": "#/components/responses/504"
}
},
"x-codegen-request-body-name": "CustomerCreditTransferInitiation"
}
},
"/tpp/wires/payment-initiation/get-transaction-status/us/get": {
"post": {
"x-dataclassification-code": "Confidential",
"security": [
{
"api-key-1": [],
"OAuth": [
"bmo.tppwiresus.payment-initiation.read"
]
}
],
"description": "Receive payment status inquiry request in CAMT.005 ISO as input and return payment status in PAIN.002 ISO as response.",
"tags": [
"GetPaymentStatus"
],
"operationId": "TppGetPaymentStatus",
"summary": "Obtain Payment Status",
"parameters": [
{
"$ref": "#/components/parameters/x-request-id"
},
{
"$ref": "#/components/parameters/x-fapi-interaction-id"
},
{
"$ref": "#/components/parameters/x-app-cat-id"
},
{
"$ref": "#/components/parameters/x-client-id"
},
{
"$ref": "#/components/parameters/x-api-key"
},
{
"$ref": "#/components/parameters/x-fapi-financial-id"
},
{
"$ref": "#/components/parameters/x-fapi-customer-last-logged-time"
},
{
"$ref": "#/components/parameters/x-fapi-customer-ip-address"
},
{
"$ref": "#/components/parameters/x-fapi-customer-user-agent"
},
{
"$ref": "#/components/parameters/x-csrf-token"
},
{
"$ref": "#/components/parameters/x-crypto-key"
},
{
"$ref": "#/components/parameters/Authorization"
},
{
"$ref": "#/components/parameters/true-client-ip"
}
],
"requestBody": {
"description": "GetPaymentStatus - Send CAMT.005 ISO message",
"content": {
"application/json": {
"schema": {
"$ref": "#/components/schemas/GetTransactionRequest"
}
}
},
"required": true
},
"responses": {
"200": {
"$ref": "#/components/responses/pain002"
},
"400": {
"$ref": "#/components/responses/400"
},
"401": {
"$ref": "#/components/responses/401"
},
"403": {
"$ref": "#/components/responses/403"
},
"404": {
"$ref": "#/components/responses/404"
},
"415": {
"$ref": "#/components/responses/415"
},
"429": {
"$ref": "#/components/responses/429"
},
"500": {
"$ref": "#/components/responses/500"
},
"504": {
"$ref": "#/components/responses/504"
}
},
"x-codegen-request-body-name": "CustomerCreditTransferInitiation"
}
},
"/tpp/wires/payment-initiation/creditor-payment-activation-request": {
"post": {
"x-dataclassification-code": "Confidential",
"security": [
{
"api-key-1": [],
"OAuth": [
"bmo.tppwiresus.payment-initiation.create"
]
}
],
"description": "Receive Fedwire drawdown payment request in PAIN.013 ISO as input and return acknwoledgement in PAIN.014 ISO as response.",
"tags": [
"SendFedwireDrawdownPayment"
],
"operationId": "TppCreditorPaymentActivationRequest",
"summary": "Send Fedwire Drawdown",
"parameters": [
{
"$ref": "#/components/parameters/x-request-id"
},
{
"$ref": "#/components/parameters/x-fapi-interaction-id"
},
{
"$ref": "#/components/parameters/x-app-cat-id"
},
{
"$ref": "#/components/parameters/x-client-id"
},
{
"$ref": "#/components/parameters/x-api-key"
},
{
"$ref": "#/components/parameters/x-fapi-financial-id"
},
{
"$ref": "#/components/parameters/x-fapi-customer-last-logged-time"
},
{
"$ref": "#/components/parameters/x-fapi-customer-ip-address"
},
{
"$ref": "#/components/parameters/x-fapi-customer-user-agent"
},
{
"$ref": "#/components/parameters/x-csrf-token"
},
{
"$ref": "#/components/parameters/x-crypto-key"
},
{
"$ref": "#/components/parameters/Authorization"
},
{
"$ref": "#/components/parameters/true-client-ip"
}
],
"requestBody": {
"description": "CreditorPaymentActivationRequest - Send PAIN.013 ISO message and respond back with PAIN.014 ISO message.",
"content": {
"application/json": {
"schema": {
"$ref": "#/components/schemas/CreditorPaymentActivationRequest"
}
}
},
"required": true
},
"responses": {
"200": {
"$ref": "#/components/responses/pain014"
},
"400": {
"$ref": "#/components/responses/400"
},
"401": {
"$ref": "#/components/responses/401"
},
"403": {
"$ref": "#/components/responses/403"
},
"404": {
"$ref": "#/components/responses/404"
},
"415": {
"$ref": "#/components/responses/415"
},
"429": {
"$ref": "#/components/responses/429"
},
"500": {
"$ref": "#/components/responses/500"
},
"504": {
"$ref": "#/components/responses/504"
}
},
"x-codegen-request-body-name": "CustomerCreditTransferInitiation"
}
}
},
"components": {
"responses": {
"400": {
"description": "Bad Request Exception",
"content": {
"application/json": {
"schema": {
"$ref": "#/components/schemas/Problem"
}
}
},
"headers": {
"x-request-id": {
"schema": {
"type": "string"
},
"description": "Correlates HTTP requests between a client and server. Uniquely identifies each API call.",
"required": true
},
"x-fapi-interaction-id": {
"schema": {
"type": "string"
},
"description": "An RFC 4122 UID used to consolidate multiple requests for ex. in a particular session of the customer /employee. Multiple requests with unique x-request-id's might have common x-fapi-interactionid. If there is no need to link multiple API calls then the x-fapi-interaction-id values is the same as x-request-id.",
"required": true
}
}
},
"401": {
"description": "Unauthorized",
"headers": {
"x-request-id": {
"schema": {
"type": "string"
},
"description": "Correlates HTTP requests between a client and server. Uniquely identifies each API call.",
"required": true
},
"x-fapi-interaction-id": {
"schema": {
"type": "string"
},
"description": "An RFC 4122 UID used to consolidate multiple requests for ex. in a particular session of the customer /employee. Multiple requests with unique x-request-id's might have common x-fapi-interactionid. If there is no need to link multiple API calls then the x-fapi-interaction-id values is the same as x-request-id.",
"required": true
}
},
"content": {
"application/json": {
"schema": {
"$ref": "#/components/schemas/Problem"
}
}
}
},
"403": {
"description": "Forbidden - the user is not authorized to use this resource",
"headers": {
"x-request-id": {
"schema": {
"type": "string"
},
"description": "Correlates HTTP requests between a client and server. Uniquely identifies each API call.",
"required": true
},
"x-fapi-interaction-id": {
"schema": {
"type": "string"
},
"description": "An RFC 4122 UID used to consolidate multiple requests for ex. in a particular session of the customer /employee. Multiple requests with unique x-request-id's might have common x-fapi-interactionid. If there is no need to link multiple API calls then the x-fapi-interaction-id values is the same as x-request-id.",
"required": true
}
},
"content": {
"application/json": {
"schema": {
"$ref": "#/components/schemas/Problem"
}
}
}
},
"404": {
"description": "Not Found",
"headers": {
"x-request-id": {
"schema": {
"type": "string"
},
"description": "Correlates HTTP requests between a client and server. Uniquely identifies each API call.",
"required": true
},
"x-fapi-interaction-id": {
"schema": {
"type": "string"
},
"description": "An RFC 4122 UID used to consolidate multiple requests for ex. in a particular session of the customer /employee. Multiple requests with unique x-request-id's might have common x-fapi-interactionid. If there is no need to link multiple API calls then the x-fapi-interaction-id values is the same as x-request-id.",
"required": true
}
},
"content": {
"application/json": {
"schema": {
"$ref": "#/components/schemas/Problem"
}
}
}
},
"415": {
"description": "Unsupported Media Type",
"headers": {
"x-request-id": {
"schema": {
"type": "string"
},
"description": "Correlates HTTP requests between a client and server. Uniquely identifies each API call.",
"required": true
},
"x-fapi-interaction-id": {
"schema": {
"type": "string"
},
"description": "An RFC 4122 UID used to consolidate multiple requests for ex. in a particular session of the customer /employee. Multiple requests with unique x-request-id's might have common x-fapi-interactionid. If there is no need to link multiple API calls then the x-fapi-interaction-id values is the same as x-request-id.",
"required": true
}
},
"content": {
"application/json": {
"schema": {
"$ref": "#/components/schemas/Problem"
}
}
}
},
"429": {
"description": "Too many requests",
"headers": {
"x-request-id": {
"schema": {
"type": "string"
},
"description": "Correlates HTTP requests between a client and server. Uniquely identifies each API call.",
"required": true
},
"x-fapi-interaction-id": {
"schema": {
"type": "string"
},
"description": "An RFC 4122 UID used to consolidate multiple requests for ex. in a particular session of the customer /employee. Multiple requests with unique x-request-id's might have common x-fapi-interactionid. If there is no need to link multiple API calls then the x-fapi-interaction-id values is the same as x-request-id.",
"required": true
}
},
"content": {
"application/json": {
"schema": {
"$ref": "#/components/schemas/Problem"
}
}
}
},
"500": {
"description": "Internal Server Error",
"headers": {
"x-request-id": {
"schema": {
"type": "string"
},
"description": "Correlates HTTP requests between a client and server. Uniquely identifies each API call.",
"required": true
},
"x-fapi-interaction-id": {
"schema": {
"type": "string"
},
"description": "An RFC 4122 UID used to consolidate multiple requests for ex. in a particular session of the customer /employee. Multiple requests with unique x-request-id's might have common x-fapi-interactionid. If there is no need to link multiple API calls then the x-fapi-interaction-id values is the same as x-request-id.",
"required": true
}
},
"content": {
"application/json": {
"schema": {
"$ref": "#/components/schemas/Problem"
}
}
}
},
"504": {
"description": "Integration or Backend Timeout",
"headers": {
"x-request-id": {
"schema": {
"type": "string"
},
"description": "Correlates HTTP requests between a client and server. Uniquely identifies each API call.",
"required": true
},
"x-fapi-interaction-id": {
"schema": {
"type": "string"
},
"description": "An RFC 4122 UID used to consolidate multiple requests for ex. in a particular session of the customer /employee. Multiple requests with unique x-request-id's might have common x-fapi-interactionid. If there is no need to link multiple API calls then the x-fapi-interaction-id values is the same as x-request-id.",
"required": true
}
},
"content": {
"application/json": {
"schema": {
"$ref": "#/components/schemas/Problem"
}
}
}
},
"pain002": {
"description": "OK",
"headers": {
"x-request-id": {
"schema": {
"type": "string"
},
"description": "Correlates HTTP requests between a client and server. Uniquely identifies each API call.",
"required": true
},
"x-fapi-interaction-id": {
"schema": {
"type": "string"
},
"description": "An RFC 4122 UID used to consolidate multiple requests for ex. in a particular session of the customer /employee. Multiple requests with unique x-request-id's might have common x-fapi-interactionid. If there is no need to link multiple API calls then the x-fapi-interaction-id values is the same as x-request-id.",
"required": true
}
},
"content": {
"application/json": {
"schema": {
"$ref": "#/components/schemas/CustomerPaymentStatusReportResponse"
}
}
}
},
"pain014": {
"description": "OK",
"headers": {
"x-request-id": {
"schema": {
"type": "string"
},
"description": "Correlates HTTP requests between a client and server. Uniquely identifies each API call.",
"required": true
},
"x-fapi-interaction-id": {
"schema": {
"type": "string"
},
"description": "An RFC 4122 UID used to consolidate multiple requests for ex. in a particular session of the customer /employee. Multiple requests with unique x-request-id's might have common x-fapi-interactionid. If there is no need to link multiple API calls then the x-fapi-interaction-id values is the same as x-request-id.",
"required": true
}
},
"content": {
"application/json": {
"schema": {
"$ref": "#/components/schemas/CreditorPaymentActivationRequestStatusReport"
}
}
}
}
},
"parameters": {
"x-request-id": {
"in": "header",
"name": "x-request-id",
"schema": {
"type": "string"
},
"required": true,
"description": "Correlates HTTP requests between a client and server. Uniquely identifies each API call."
},
"x-fapi-interaction-id": {
"in": "header",
"name": "x-fapi-interaction-id",
"schema": {
"type": "string"
},
"required": true,
"description": "An RFC 4122 UID used to consolidate multiple requests for ex. in a particular session of the customer/employee. Multiple requests with unique x-request-id’s might have common x-fapi-interactionid. If there is no need to link multiple API calls then the x-fapi-interaction-id values is the same as x-request-id."
},
"x-app-cat-id": {
"in": "header",
"name": "x-app-cat-id",
"schema": {
"type": "string"
},
"required": false,
"description": "BMO Application Catalogue ID of the consumer of the API. To be provided if API call is initiated by a BMO Application. BMO Application Catalogue https://appcat.bmogc.net/servlet/ApmServer"
},
"x-client-id": {
"in": "header",
"name": "x-client-id",
"schema": {
"type": "string"
},
"required": true,
"description": "Client Id generated during Third Party Provider application registration. The Client Id is leveraged for the internal BMO API calls as calling channel identifier."
},
"x-api-key": {
"in": "header",
"name": "x-api-key",
"schema": {
"type": "string"
},
"required": false,
"description": "The unique id used to identify caller of the API. (For legacy, AppCatId value could be used)"
},
"x-fapi-financial-id": {
"in": "header",
"name": "x-fapi-financial-id",
"schema": {
"type": "string"
},
"required": false,
"description": "The unique id of the financial institution to which the request is issued. BMO is 001"
},
"x-fapi-customer-last-logged-time": {
"in": "header",
"name": "x-fapi-customer-last-logged-time",
"schema": {
"type": "string"
},
"required": false,
"description": "The time when the Payment Services User last logged in with the Third Party Provider"
},
"x-fapi-customer-ip-address": {
"in": "header",
"name": "x-fapi-customer-ip-address",
"schema": {
"type": "string"
},
"required": false,
"description": "The Payment Services User’s IP address if the Payment Services User is currently logged in with the Third Party Provider"
},
"x-fapi-customer-user-agent": {
"in": "header",
"name": "x-fapi-customer-user-agent",
"schema": {
"type": "string"
},
"required": false,
"description": "The header indicates the user-agent that the PSU is using. The API client may populate this field with the User-Agent header string if browser is being used. If the mobile app is being used then the x-fapi-customer-user-agent content must be different from browser based user-agent strings."
},
"x-csrf-token": {
"in": "header",
"name": "x-csrf-token",
"schema": {
"type": "string"
},
"required": false,
"description": "This header holds the token to prevent for the cross-site request forgery prevention token."
},
"x-crypto-key": {
"name": "x-crypto-key",
"in": "header",
"description": "This header is over API calls to share content encryption key and its meta data to fulfill API application-level encryption. The crypto key is to encrypt symmetric key. It will also have information such as iv, key-id.",
"schema": {
"type": "string"
},
"required": false
},
"Authorization": {
"in": "header",
"name": "Authorization",
"schema": {
"type": "string"
},
"required": true,
"description": "An Authorisation Token as per https://tools.ietf.org/html/rfc6750"
},
"true-client-ip": {
"name": "true-client-ip",
"in": "header",
"description": "Original initiator ip address. Will be inserted by Akamai when enable add “True-Client-IP”. Payments API require this for AML (or Fraud) analysis.",
"schema": {
"type": "string"
},
"required": false
}
},
"schemas": {
"Problem": {
"type": "object",
"properties": {
"type": {
"type": "string",
"format": "uri",
"description": "An absolute URI that identifies the problem type. When dereferenced,\nit SHOULD provide human-readable documentation for the problem type\n(e.g., using HTML). default: 'about:blank'; example: 'https://zalando.github.io/problem/constraint-violation'\n"
},
"title": {
"type": "string",
"description": "A short, summary of the problem type. Written in english and readable\nfor engineers (usually not suited for non technical stakeholders and\nnot localized); example: Service Unavailable\n"
},
"status": {
"type": "integer",
"format": "int32",
"description": "The HTTP status code generated by the origin server for this occurrence\nof the problem. example: 503\n",
"minimum": 100,
"maximum": 600
},
"detail": {
"type": "string",
"description": "A human readable explanation specific to this occurrence of the\nproblem. example: Connection to database timed out\n"
},
"instance": {
"type": "string",
"format": "uri",
"description": "An absolute URI that identifies the specific occurrence of the problem. It may or may not yield further information if dereferenced.\n"
}
}
},
"CustomerCreditTransferInitiationRequest": {
"properties": {
"SECURE": {
"$ref": "#/components/schemas/SECURE"
}
},
"required": [
"SECURE"
]
},
"GetTransactionRequest": {
"properties": {
"SECURE": {
"$ref": "#/components/schemas/SECURE"
}
},
"required": [
"SECURE"
]
},
"CustomerPaymentStatusReportResponse": {
"properties": {
"SECURE": {
"$ref": "#/components/schemas/SECURE"
}
},
"required": [
"SECURE"
]
},
"CreditorPaymentActivationRequest": {
"properties": {
"SECURE": {
"$ref": "#/components/schemas/SECURE"
}
},
"required": [
"SECURE"
]
},
"CreditorPaymentActivationRequestStatusReport": {
"properties": {
"SECURE": {
"$ref": "#/components/schemas/SECURE"
}
},
"required": [
"SECURE"
]
},
"SECURE": {
"type": "object",
"required": [
"encrypted",
"data"
],
"properties": {
"encrypted": {
"type": "boolean",
"default": true,
"description": "Send true when dealing with data encryption else false"
},
"data": {
"type": "string",
"default": "encrypted PAIN001 or PAIN00 or CAMT005 payload for request and pain002 for response",
"description": "base64url<cipher-text>. #/definitions/SecuredDataObject should be sent as encrypted string in this field"
}
}
}
},
"securitySchemes": {
"api-key-1": {
"type": "apiKey",
"in": "header",
"x-key-type": "client_id",
"name": "x-api-key"
},
"OAuth": {
"type": "oauth2",
"flows": {
"authorizationCode": {
"authorizationUrl": "https://open-api.bmofg.com/open-banking/commercial-sb/oauth20/authorize",
"tokenUrl": "https://open-api.bmofg.com/open-banking/commercial-sb/oauth20/token",
"scopes": {
"bmo.tppwiresus.payment-initiation.read": "bmo.tppwiresus.payment-initiation.read",
"bmo.tppwiresus.payment-initiation.create": "bmo.tppwiresus.payment-initiation.create"
}
}
},
"x-ibm-oauth-provider": "apic-oauth-ob-commercial-sb-provider"
}
}
},
"x-ibm-configuration": {
"type": "rest",
"phase": "realized",
"enforced": true,
"testable": true,
"categories": [
"bian--bd--operationalservices"
],
"cors": {
"enabled": true
},
"oauth-servers": {
"OAuth": {
"authorizationCode": {
"tokenUrls": [
"https://open-api.bmofg.com/open-banking/commercial-sb/oauth20/token"
],
"authorizationUrls": [
"https://open-api.bmofg.com/open-banking/commercial-sb/oauth20/authorize"
],
"refreshUrls": []
}
}
}
},
"x-ibm-endpoints": [
{
"url": "https://sandbox-open-api.bmo.com/open-banking/commercial-sb",
"type": [
"production",
"development"
]
}
]
}