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
}
}
}
]
}
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