What is PIS
Under PSD2, a ‘payment initiation service’ is an online service which accesses a user’s payment account to initiate the transfer of funds on their behalf with the user’s consent and authentication. Payment initiation services provide an alternative to paying online using a credit card or debit card.
API endpoints
| Link | Resource | Endpoints |
|---|---|---|
| SEPA Payment | SEPA Payment | POST /{payment-service}/{payment-product} GET /{payment-service}/{payment-product}/{paymentId}/status |
How does it work?
KBC/CBC has decided to develop its APIs according to the Berlin standards. Terminology used is therefore via this standard.
- The process begins with a PSU consenting to a payment being made
- The consent is between the PSU and the PISP
- The debtor account details must be specified at this stage’
- The PISP connects to KBC/CBC’s API Gateway and creates a payment-order in accordance with step use agreement
- This informs KBC/CBC that one of its PSUs intends to make a payment-order
- KBC/CBC responds with an identifier for the payment-order in accordance with step use agreement, the PaymentId, which is the intent identifier
- This step is carried out by making a POST request to the payment-order in accordance with step use agreement
- The PISP requests the PSU to authorize a payment transaction from the designated account
- The PISP redirects the PSU to the ASPSP
- The redirect includes the PaymentId generated in the previous step
- This allows KBC/CBC to correlate the payment order initiation
- KBC/CBC authenticates the PSU
- The PSU can consult the payment details to be signed or cancelled
- KBC/CBC updates the state of the payment order initiation to indicate the payment was authorized
- Once the payment has been authorized or cancelled, the PSU is redirected back to the PISP
- The PISP can check the status of the payment Initation by using the paymentID
- This is carried out by making a GET Status request