Payment Initiation Service Provider

Here you’ll find all of the information you need to know about how we've implemented the API standards defined by Open Banking for Payment Initiation Service Providers (PISP).

To view the latest version of the Open Banking standards and specifications, visit the Open Banking Developer Zone.

This can be used to initiate a single domestic payment for a Tesco Bank account.

When LocalInstrument is blank - the request will be processed as a Faster Payment.

When LocalInstrument is UK.OBIE.FPS - the request will be processed as a Faster Payment. For all payments, Instructed Amount must be specified to no more than two decimal places.

Lower Limit: For all payments, Instructed Amount/Amount must be greater than or equal £0.01.

Upper Limit: For all payments, Instructed Amount/Amount must be less than or equal £10,000.00.

Note: During consent authorisation and payment submission further payment limit validation will be applied relating to customer daily limits.

Instructed Amount/Currency must be set to GBP.

CreditorAccount/SchemeName must be set to UK.OBIE.SortCodeAccountNumber or UK.OBIE.IBAN.

If Scheme Name is set to SortCodeAccountNumber then the Identification must be set as a valid UK sort code and account number.

If Scheme Name is set as IBAN then the Identification must be set as a valid UK IBAN.

Debtor Account is optional.

If supplied, DebtorAccount/SchemeName must be set to UK.OBIE.SortCodeAccountNumber or UK.OBIE.IBAN.

All mandatory attributes as specified in Open Banking Standards must be supplied.

If supplied, the following attributes must conform to the maximum field length validation as below:

The above attributes must conform to the data format validation specified in the Domestic Payments spec.

All other supplied attributes must conform to the maximum field length and data format validation specified in the Domestic Payments specification.

The single domestic payment consent request must not contain attributes that cannot be mapped to the object OBWriteDomesticConsent2

When LocalInstrument is UK.OBIE.BalanceTransfer the request will be processed as a Balance Transfer.

InstructedAmount/Amount must be greater than or equal to £1 for all payments, Instructed Amount must be specified to no more than two decimal places.

Instructed Amount/Currency must be set to GBP.

CreditorAccount/SchemeName must be set to UK.OBIE.PAN. When a PAN is supplied for a Creditor Account it must be <=18 numeric characters.

Debtor Account is optional. If supplied, DebtorAccount/SchemeName must be set to UK.OBIE.UK.OBIE.PAN.

All mandatory attributes as specified in Open Banking Standards must be supplied.

If supplied, the following attributes must conform to the maximum field length validation as below:

When LocalInstrument is UK.OBIE.MoneyTransfer the request will be processed as a Money Transfer.

InstructedAmount/Amount must be greater than or equal to £1 for all payments, Instructed Amount must be specified to no more than two decimal places.

Instructed Amount/Currency must be set to GBP.

CreditorAccount/SchemeName must be set to UK.OBIE.SortCodeAccountNumber or UK.OBIE.IBAN. If Scheme Name is set to SortCodeAccountNumber then the Identification must be set as a valid UK sort code and account number. If Scheme Name is set as IBAN then the Identification must be set as a valid UK IBAN.

Debtor Account is optional. If supplied, DebtorAccount/SchemeName must be set to UK.OBIE.UK.OBIE.PAN.

Reference must be blank.

Secondary Identification Reference must be blank.

All mandatory attributes as specified in Open Banking Standards must be supplied.

If supplied, the following attributes must conform to the maximum field length validation as below:

This API can be used to schedule a one-off payment from a Tesco Bank account.

Products supported:

When a request is made with the same idempotency key as a previous request, it’ll receive a cached response if submitted within 24 hours of a successfully executed previous request. Alternatively, it’ll be treated as new if the previous request was not successfully processed.

For both POST/domestic-scheduled-payments & GET/domestic-scheduled-payments, the status returned will always either be “InitiationCompleted” or “InitiationFailed” upon set up.

When LocalInstrument is blank or set as UK.OBIE.FPS the request will be processed as a Faster Payment.

All other values will be rejected.

Lower Limit: For all payments, Instructed Amount/Amount must be greater than or equal £0.01.

Upper Limit: For all payments, Instructed Amount/Amount must be less than or equal £10,000.00.

Instructed Amount/Currency must be set to GBP.

CreditorAccount/SchemeName must be set to UK.OBIE.SortCodeAccountNumber or UK.OBIE.IBAN.

If Scheme Name is set to SortCodeAccountNumber then the Identification must be set as a valid UK sort code and account number.

If Scheme Name is set as IBAN then the Identification must be set as a valid UK IBAN.

Debtor Account is optional.

If supplied, DebtorAccount/SchemeName must be set to UK.OBIE.SortCodeAccountNumber or UK.OBIE.IBAN.

If supplied, the sort code must be a Tesco Bank sort code (range 40-64-00 to 40-64-22).

Time is ignored, only date portion is respected

Requested execution date must be after today, and <= (today + 1 year)

All mandatory attributes must be supplied

If supplied, the following attributes must conform to the maximum field length validation as below

This API can be used to confirm that a specific amount is available from a Tesco Bank account.

If Scheme Name is set to SortCodeAccountNumber then the Identification must be set as a valid UK sort code and account number. If Scheme Name is set as IBAN then the Identification must be set as a valid UK IBAN.

Currency field must contain value GBP or the confirmation of funds request will be rejected.