<p style="color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small; background-color: #ffffff; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;" dir="ltr"><span style="font-size: 11pt; font-family: Arial, sans-serif; color: #000000; background-color: transparent; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; vertical-align: baseline;">We greatly appreciate it if you could answer a few questions listed below:<br /><br /></span></p>
<p style="color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small; background-color: #ffffff; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;" dir="ltr"><span style="font-size: 11pt; font-family: Arial, sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; vertical-align: baseline;">Standardization</span></p>
<ul style="color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small; background-color: #ffffff; margin-bottom: 0px;">
<li style="margin-left: 15px; list-style-type: disc; font-size: 11pt; font-family: Arial, sans-serif; color: #000000; background-color: transparent; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; vertical-align: baseline;" dir="ltr">
<p style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;" dir="ltr"><span style="font-size: 11pt; background-color: transparent; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; vertical-align: baseline;">Do you support a PSD2 API for business AIS? If yes, could you let me know if the implementation of the business AIS API differs from its consumer counterpart? </span></p>
</li>
<li style="margin-left: 15px; list-style-type: disc; font-size: 11pt; font-family: Arial, sans-serif; color: #000000; background-color: transparent; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; vertical-align: baseline;" dir="ltr">
<p style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;" dir="ltr"><span style="font-size: 11pt; background-color: transparent; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; vertical-align: baseline;">Does it uphold the same level of standardization as the consumer AIS API in terms of error mapping and overall product performance?</span></p>
</li>
</ul>
<p style="color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small; background-color: #ffffff; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;" dir="ltr"><span style="font-size: 11pt; font-family: Arial, sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; vertical-align: baseline;">Accessibility</span></p>
<ul style="color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small; background-color: #ffffff; margin-bottom: 0px;">
<li style="margin-left: 15px; list-style-type: disc; font-size: 11pt; font-family: Arial, sans-serif; color: #000000; background-color: transparent; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; vertical-align: baseline;" dir="ltr">
<p style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;" dir="ltr"><span style="font-size: 11pt; background-color: transparent; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; vertical-align: baseline;">Is the access to business and consumer accounts separated or both types of accounts be aggregated with the same API? If not separated, is there an identifier to distinguish between personal and business accounts?</span></p>
</li>
</ul>
<p style="color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small; background-color: #ffffff; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;" dir="ltr"><span style="font-size: 11pt; font-family: Arial, sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; vertical-align: baseline;">Extra requirements</span></p>
<ul style="color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small; background-color: #ffffff; margin-bottom: 0px;">
<li style="margin-left: 15px; list-style-type: disc; font-size: 11pt; font-family: Arial, sans-serif; color: #000000; background-color: transparent; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; vertical-align: baseline;" dir="ltr">
<p style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;" dir="ltr"><span style="font-size: 11pt; background-color: transparent; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; vertical-align: baseline;">Are there any extra requirements on the user for retrieving business accounts and transactions? For example additional permissions which users require to access account information via API.</span><span style="font-size: 11pt; background-color: transparent; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; vertical-align: baseline;"><br /><br /></span></p>
</li>
<li style="margin-left: 15px; list-style-type: disc; font-size: 11pt; font-family: Arial, sans-serif; color: #000000; background-color: transparent; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; vertical-align: baseline;" dir="ltr">
<p style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;" dir="ltr"><span style="font-size: 11pt; background-color: transparent; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; vertical-align: baseline;">Are all users who are able to access account information via the bank's regular interface / online channels able to access account information via API? For example if an account has multiple authorized users, are they able to access it.</span></p>
</li>
</ul>
<p style="color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small; background-color: #ffffff; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;" dir="ltr"><span style="font-size: 11pt; font-family: Arial, sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; vertical-align: baseline;">Business user tiers</span></p>
<ul style="color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small; background-color: #ffffff; margin-bottom: 0px;">
<li style="margin-left: 15px; list-style-type: disc; font-size: 11pt; font-family: Arial, sans-serif; color: #000000; background-color: transparent; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; vertical-align: baseline;" dir="ltr">
<p style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;" dir="ltr"><span style="font-size: 11pt; background-color: transparent; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; vertical-align: baseline;">Is there any bank specific logic for managing different types of business user tiers, such as Sole Traders vs. SMBs vs. Enterprises?</span></p>
</li>
<li style="margin-left: 15px; list-style-type: disc; font-size: 11pt; font-family: Arial, sans-serif; color: #000000; background-color: transparent; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; vertical-align: baseline;" dir="ltr">
<p style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;" dir="ltr"><span style="font-size: 11pt; background-color: transparent; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; vertical-align: baseline;">Are there separate APIs or authentication journey's for different types of business accounts? For example a separate API for corporate and SMB accounts?</span></p>
</li>
</ul>
Tue, 03/19/2024 - 08:54
#1
Business AIS availability
Hi Team
We are Tink AB, a subsidiary of Visa Inc. and an AISP/PISP regulated by the Swedish FSA with our license passported across the EU. See here for a link to our records: https://www.fi.se/en/our-registers/company-register/details?id=145258
During our integration with your PSD2 APIs we have encountered issues and would like to ask for your help.
Our customer has reported two issues:
Duplicate transactions
Amount discrepancy
Please find the details below and share your feedback on both.
Issue 1: Duplicate Transactions
Upon reviewing the traffic logs, we’ve confirmed that the same transaction was received twice from the bank on 7 August 2025 at 04:16:54 UTC.
Here are the transaction details:
Description: TRF IMEDIATA DE NUMEROS ADEQUADOS LDA
Booking date: 2025-07-02
Entry reference: 20250702-26949
We have compared it with the user’s bank statement for reference. Could you help us understand why this transaction was delivered twice?
Issue 2: Amount Discrepancy
According to the user’s bank statement, one transaction should reflect a value of 0.58. However, we’ve verified that the bank sent it with an amount of 0.57, which is what’s stored in our database.
Description: "Juros de mora",
"booking date": "2025-07-01"
"entryreference": "20250702-282863"
Could you clarify the reason for this mismatch?
We received them on Date: 2025-08-07--04.16.54.473
X-Global-Transaction-ID:cff1e90768981f1d7a353761 (Please note that the transaction ID we’ve referenced is from August 10. Due to log retention limits, we no longer have access to the original transaction ID from August 7. However, if needed, we can share screenshots to support the investigation.)
Please let us know if you need any additional details.
Kind regards
Radhika
Hi Team,
Could you please provide an update on thsi request.
Kind regards
Radhika