Introduction

Consent is the core of the open banking system and is crucial to maintaining regulatory standards and improving privacy and data security. SingleView Open Banking API allows users to securely access their banking information and control data sharing by managing their consent as per the regulatory standards.

User consent is captured at the bank by requesting access to the specific user's account information.

🚧
Important information

A bank account without/expired user consent cannot be accessed through the AIS services as per the regulatory standards.

To manage your consent, ensure a valid access token that must be included in the request.

SingleView Open Banking API's consent management feature allows the users to:

Create new consent
View consent details
Revoke consent

Create Consent

A new consent can generated by sending a request to the banks through the SingleView APIs. The consent generated authorizes SingleView APIs to enable Account Information Services and retrieve account information for the specific bank account(s) included in the consent. A user can access multiple accounts of a particular bank through a registered and linked consent or can choose to create individual consent.

Try in API Reference ➜

Endpoint details

Endpoint URL	Method	Authentication requirements
`/v1/api/observice/connect`	POST	1. `clientId` 2. `clientCode` 3. `signature` 4. `Authorization Bearer: Token`

Sample request

{
  "dateTimeStamp": "YYYY-MM-DDTHH:MM:SS",
  "requestID": "Enter_Request_ID",
  "merchantId": "Enter_Merchant_Id",
  "useCaseType":"AISP",
  "redirectUrl":"Enter_Redirect_URL",
  "banks": [
    {
      "code": "Enter_Bank_Code",
      "permissions": [
        "ReadAccountsBasic",
        "ReadAccountsDetail",
        "ReadBalances",
        "ReadParty",
        "ReadPartyPSU",
        "ReadPartyPSUIdentity",
        "ReadBeneficiariesBasic",
        "ReadBeneficiariesDetail",
        "ReadTransactionsBasic",
        "ReadTransactionsDetail",
        "ReadTransactionsCredits",
        "ReadTransactionsDebits",
        "ReadScheduledPaymentsBasic",
        "ReadScheduledPaymentsDetail",
        "ReadDirectDebits",
        "ReadStandingOrdersBasic",
        "ReadStandingOrdersDetail"
      ],
      "expiryDate": "YYYY-MM-DDTHH:MM:SS.SSSZ",
      "txnFromDate": "YYYY-MM-DDTHH:MM:SS.SSSZ",
      "txnToDate": "YYYY-MM-DDTHH:MM:SS.SSSZ"
    }
  ]
}

Request description

JSON Tag	Description	Data type
dateTimeStamp Mandatory	Denoting the date and time of the request	String
requestID Mandatory	Unique request identification details	String
merchantID Mandatory	Unique merchant identification details	String
useCaseType Mandatory	Type of service/use case. To be mentioned as "`AISP`" in this case	String
redirectUrl Mandatory	URL assigned to redirect the user information	String
banks Mandatory	Array of banks' consents	Object
code Mandatory	Unique bank identification code	String
permissions Mandatory	List of permissions requested through the consent `ReadAccountsBasic` `ReadAccountsDetail` `ReadBalances` `ReadBeneficiariesBasic` `ReadBeneficiariesDetail` `ReadDirectDebits` `ReadTransactionsBasic` `ReadTransactionsCredits` `ReadTransactionsDebits` `ReadTransactionsDetail` `ReadProducts` `ReadStandingOrdersDetail` `ReadProducts` `ReadStandingOrdersDetail` `ReadStatementsDetail` `ReadParty` `ReadPartyPSU`	Array of strings
expiryDate Mandatory	Consent expiry date and time	String
txnFromDate Mandatory	Initial date & time for the allotted transaction access period	String
txnToDate Mandatory	Final date & time for the allotted transaction access period	String

Sample response

{
  "success": true,
  "payload": [
    {
      "code": "Bank_Code",
      "data": {
        "permissions": [
          "ReadAccountsBasic",
          "ReadAccountsDetail",
          "ReadBalances",
          "ReadParty",
          "ReadPartyPSU",
          "ReadPartyPSUIdentity",
          "ReadBeneficiariesBasic",
          "ReadBeneficiariesDetail",
          "ReadTransactionsBasic",
          "ReadTransactionsDetail",
          "ReadTransactionsCredits",
          "ReadTransactionsDebits",
          "ReadScheduledPaymentsBasic",
          "ReadScheduledPaymentsDetail",
          "ReadDirectDebits",
          "ReadStandingOrdersBasic",
          "ReadStandingOrdersDetail"
        ],
        "expirationDateTime": "YYYY-MM-DDTHH:MM:SS.SSSZ",
        "transactionFromDateTime": "YYYY-MM-DDTHH:MM:SS.SSSZ",
        "transactionToDateTime": "YYYY-MM-DDTHH:MM:SS.SSSZ",
        "consentId": "Consent_ID",
        "status": "Consent_status",
        "creationDateTime": "YYYY-MM-DDTHH:MM:SS.SSSZ",
        "statusUpdateDateTime": "YYYY-MM-DDTHH:MM:SS.SSSZ"
      },
      "links": {
        "self": "https://"
      },
      "meta": {
        "totalPages": 1,
        "totalRecords": 1,
        "requestDateTime": "YYYY-MM-DDTHH:MM:SS.SSSZ"
      },
      "scope": "scope_of_accounts",
      "bankRedirectUrl": "https://"
    }
  ]
}

Response description

JSON Tag	Description
success	Process success status represented as `true` or `false`
payload	Process response tag
code	Unique bank code identifier
data	Data tag for specific bank account consent
permissions	List of permissions provided in the consent
expirationDateTime	Date and time for consent expiry
transactionFromDateTime	Initial date & time for the allotted transaction access period
transactionToDateTime	Final date & time for the allotted transaction access period
consentId	Unique consent identification
status	Status of consent processing
creationDateTime	Date and time of representing the creation of consent
statusUpdateDateTime	Most recent time and date representing latest consent update
links	Redirect links
self	Own link/url details
meta	Meta tag
totalRecords	Total number of records included in the response
requestDateTime	Date and time of the request
scope	Details on the scope of account
bankRedirectUrl	Bank redirect URL for reflecting the results

Get Consent Details

Check consent details by sending a request included with the account specific consent IDs.

Try in API Reference ➜

Endpoint details

Endpoint URL	Method	Authentication requirements
`/v1/api/observice/consent/details`	POST	1. `clientId` 2. `clientCode` 3. `signature` 4. `Authorization Bearer: Token`

Sample request

{
  "dateTimeStamp": "YYYY-MM-DDTHH:MM:SS.SSSZ",
  "requestID": "Enter_Request_Id",
  "merchantId": "Enter_Merchant_Id",
  "banks": [
    {
      "code": "Enter_Bank_Code",
      "consentId":"Enter_Consent_ID"
    }
  ]
}

Request description

JSON Tag	Description	Data type
dateTimeStamp Mandatory	Denoting the time and date of the request	String
requestID Mandatory	Unique request identification details	String
merchantId Mandatory	Unique merchant identification details	String
banks Mandatory	Array of banks data	Object
code Mandatory	Unique bank identification code	String
consentId Mandatory	Unique consent identification details	String

Sample response

{
  "success": true,
  "payload": [
    {
      "code": "Bank_Code",
      "data": {
        "permissions": [
          "ReadAccountsBasic",
          "ReadAccountsDetail",
          "ReadBalances",
          "ReadParty",
          "ReadPartyPSU",
          "ReadPartyPSUIdentity",
          "ReadBeneficiariesBasic",
          "ReadBeneficiariesDetail",
          "ReadTransactionsBasic",
          "ReadTransactionsDetail",
          "ReadTransactionsCredits",
          "ReadTransactionsDebits",
          "ReadScheduledPaymentsBasic",
          "ReadScheduledPaymentsDetail",
          "ReadDirectDebits",
          "ReadStandingOrdersBasic",
          "ReadStandingOrdersDetail"
        ],
        "expirationDateTime": "YYYY-MM-DDTHH:MM:SS.SSSZ",
        "transactionFromDateTime": "YYYY-MM-DDTHH:MM:SS.SSSZ",
        "transactionToDateTime": "YYYY-MM-DDTHH:MM:SS.SSSZ",
        "consentId": "Enter_Consent_ID",
        "status": "Status_of_the_Consent",
        "creationDateTime": "YYYY-MM-DDTHH:MM:SS.SSSZ",
        "statusUpdateDateTime": "YYYY-MM-DDTHH:MM:SS.SSSZ"
      },
      "links": {
        "self": "https://"
      },
      "meta": {
        "totalPages": 1,
        "totalRecords": 1,
        "requestDateTime": "YYYY-MM-DDTHH:MM:SS.SSSZ"
      },
      "scope": {}
    }
  ]
}

Response details

JSON Tag	Description
success	Process success status represented as `true` or `false`
payload	Process response tag
code	Unique bank code identifier
data	Data tag for specific bank account consent
permissions	List of permissions provided in the consent
expirationDateTime	Date and time for consent expiry
transactionFromDateTime	Initial date & time for the allotted transaction access period
transactionToDateTime	Final date & time for the allotted transaction access period
consentId	Unique consent identification
status	Status of consent processing
creationDateTime	Date and time of representing the creation of consent
statusUpdateDateTime	Most recent time and date representing latest consent update
links	Redirect links
self	Own link/url details
meta	Meta tag
totalPages	Page length of the response
totalRecords	Total number of records included in the response
requestDateTime	Date and time of the request
scope	Details on the scope of account

Revoke Consent

To remove or stop the account access authority, you need to revoke the existing active consents. This can be done by sending a request to revoke the specific consent by providing consent ID that accordingly disables the services for that particular account.

Try in API Reference ➜

Endpoint details

Endpoint URL	Method	Authentication requirements
`/v1/api/observice/consent/delete`	POST	1. `clientId` 2. `clientCode` 3. `signature` 4. `Authorization Bearer: Token`

Sample request

{
  "dateTimeStamp": "YYYY-MM-DDTHH:MM:SS.SSSZ",
  "requestID": "Enter_Request_Id",
  "merchantId": "Enter_Merchant_Id",
  "banks": [
    {
      "code": "Enter_Bank_Code",
      "consentId":"Enter_Consent_Id"
    }
  ]
}

Request details

JSON Tag	Description	Data type
dateTimeStamp Mandatory	Denoting the time and date of the request	String
requestID Mandatory	Unique request identification details	String
merchantId Mandatory	Unique merchant identification details	String
banks Mandatory	Array of banks data	Object
code Mandatory	Unique bank identification code	String
consentId Mandatory	Unique consent identification details	String

Sample response

{
  "success": true,
  "payload": [
    {
      "code": "Bank_Code",
      "consentId": "Consent_Id",
      "success": true,
      "message": "Message_Details",
      "status": "Status_of_the_process"
    }
  ]
}

Response description

JSON Tag	Description
success	Process success status represented as `true` or `false`
payload	Process response tag
code	Unique bank code identifier
consentId	Unique identification for a bank account(s) consent
success	Boolean of the process result as `true` or `false`
message	Message about the process action
status	Status of the specific consent

Consent Management

Introduction

🚧
Important information

Create Consent

Endpoint details

Sample request

Request description

Sample response

Response description

Get Consent Details

Endpoint details

Sample request

Request description

Sample response

Response details

Revoke Consent

Endpoint details

Sample request

Request details

Sample response

Response description

Introduction

🚧Important information

Create Consent

Endpoint details

Sample request

Request description

Sample response

Response description

Get Consent Details

Endpoint details

Sample request

Request description

Sample response

Response details

Revoke Consent

Endpoint details

Sample request

Request details

Sample response

Response description

🚧
Important information