UK Open Banking · Example Payload
Payment Initiation Examples
Illustrative request and response examples for the UK Open Banking Payment Initiation API v4.0.1
Open BankingFinancial ServicesPaymentsAccount InformationPSD2UKBankingFintechRegulated
Payment Initiation Examples is an example object payload from UK Open Banking, with 5 top-level fields. It illustrates the shape of data this provider's APIs accept or return.
Top-level fields
titleversionsourcedescriptionexamples
Example Payload
{
"title": "Payment Initiation API",
"version": "4.0.1",
"source": "https://raw.githubusercontent.com/OpenBankingUK/read-write-api-specs/master/dist/openapi/payment-initiation-openapi.yaml",
"description": "Illustrative request and response examples for the UK Open Banking Payment Initiation API v4.0.1",
"examples": [
{
"operationId": "CreateDomesticPaymentConsents",
"path": "/domestic-payment-consents",
"method": "POST",
"type": "request",
"mediaType": "application/json",
"description": "Create a domestic payment consent",
"example": {
"Data": {
"Initiation": {
"InstructionIdentification": "ACME412",
"EndToEndIdentification": "FRESCO.21302.GFX.20",
"InstructedAmount": {
"Amount": "165.88",
"Currency": "GBP"
},
"CreditorAccount": {
"SchemeName": "UK.OBIE.SortCodeAccountNumber",
"Identification": "08080021325698",
"Name": "ACME Inc",
"SecondaryIdentification": "0002"
},
"RemittanceInformation": {
"Reference": "FRESCO-101",
"Unstructured": "Internal ops code 5120101"
}
}
},
"Risk": {
"PaymentContextCode": "EcommerceGoods",
"MerchantCategoryCode": "5967",
"MerchantCustomerIdentification": "053598653254"
}
}
},
{
"operationId": "CreateDomesticPaymentConsents",
"path": "/domestic-payment-consents",
"method": "POST",
"statusCode": "201",
"type": "response",
"mediaType": "application/json",
"description": "Successful creation of a domestic payment consent",
"example": {
"Data": {
"ConsentId": "58923",
"CreationDateTime": "2026-06-13T10:00:00+00:00",
"Status": "AwaitingAuthorisation",
"StatusUpdateDateTime": "2026-06-13T10:00:00+00:00",
"CutOffDateTime": "2026-06-13T15:30:00+00:00",
"ExpectedExecutionDateTime": "2026-06-13T16:00:00+00:00",
"ExpectedSettlementDateTime": "2026-06-14T09:00:00+00:00",
"Initiation": {
"InstructionIdentification": "ACME412",
"EndToEndIdentification": "FRESCO.21302.GFX.20",
"InstructedAmount": {
"Amount": "165.88",
"Currency": "GBP"
},
"CreditorAccount": {
"SchemeName": "UK.OBIE.SortCodeAccountNumber",
"Identification": "08080021325698",
"Name": "ACME Inc",
"SecondaryIdentification": "0002"
},
"RemittanceInformation": {
"Reference": "FRESCO-101",
"Unstructured": "Internal ops code 5120101"
}
}
},
"Risk": {
"PaymentContextCode": "EcommerceGoods",
"MerchantCategoryCode": "5967",
"MerchantCustomerIdentification": "053598653254"
},
"Links": {
"Self": "https://api.alphabank.com/open-banking/v4.0/pisp/domestic-payment-consents/58923"
},
"Meta": {
"TotalPages": 1
}
}
},
{
"operationId": "CreateDomesticPayments",
"path": "/domestic-payments",
"method": "POST",
"type": "request",
"mediaType": "application/json",
"description": "Submit a domestic payment after consent authorisation",
"example": {
"Data": {
"ConsentId": "58923",
"Initiation": {
"InstructionIdentification": "ACME412",
"EndToEndIdentification": "FRESCO.21302.GFX.20",
"InstructedAmount": {
"Amount": "165.88",
"Currency": "GBP"
},
"CreditorAccount": {
"SchemeName": "UK.OBIE.SortCodeAccountNumber",
"Identification": "08080021325698",
"Name": "ACME Inc",
"SecondaryIdentification": "0002"
},
"RemittanceInformation": {
"Reference": "FRESCO-101",
"Unstructured": "Internal ops code 5120101"
}
}
},
"Risk": {
"PaymentContextCode": "EcommerceGoods",
"MerchantCategoryCode": "5967",
"MerchantCustomerIdentification": "053598653254"
}
}
},
{
"operationId": "CreateDomesticPayments",
"path": "/domestic-payments",
"method": "POST",
"statusCode": "201",
"type": "response",
"mediaType": "application/json",
"description": "Successful domestic payment submission",
"example": {
"Data": {
"DomesticPaymentId": "58923-001",
"ConsentId": "58923",
"CreationDateTime": "2026-06-13T10:05:00+00:00",
"Status": "AcceptedSettlementInProcess",
"StatusUpdateDateTime": "2026-06-13T10:05:00+00:00",
"ExpectedExecutionDateTime": "2026-06-13T16:00:00+00:00",
"ExpectedSettlementDateTime": "2026-06-14T09:00:00+00:00",
"Initiation": {
"InstructionIdentification": "ACME412",
"EndToEndIdentification": "FRESCO.21302.GFX.20",
"InstructedAmount": {
"Amount": "165.88",
"Currency": "GBP"
},
"CreditorAccount": {
"SchemeName": "UK.OBIE.SortCodeAccountNumber",
"Identification": "08080021325698",
"Name": "ACME Inc",
"SecondaryIdentification": "0002"
},
"RemittanceInformation": {
"Reference": "FRESCO-101",
"Unstructured": "Internal ops code 5120101"
}
},
"MultiAuthorisation": {
"Status": "Authorised",
"NumberRequired": 2,
"NumberReceived": 2
}
},
"Links": {
"Self": "https://api.alphabank.com/open-banking/v4.0/pisp/domestic-payments/58923-001"
},
"Meta": {
"TotalPages": 1
}
}
}
]
}