{"info":{"_postman_id":"1cb96d89-0896-4fa7-bf7a-5d5345397fb4","name":"PB2B - Provenance","description":"

This collection will guide clients through the process of building out their own UX.

\n","schema":"https://schema.getpostman.com/json/collection/v2.0.0/collection.json","toc":[],"owner":"25102001","collectionId":"1cb96d89-0896-4fa7-bf7a-5d5345397fb4","publishedId":"2sB34bMjS6","public":true,"customColor":{"top-bar":"FFFFFF","right-sidebar":"303030","highlight":"FF6C37"},"publishDate":"2025-11-11T13:55:28.000Z"},"item":[{"name":"Change log","item":[],"id":"593abbec-7705-42e0-b656-e0b413ea7912","description":"

4 July 2025 - Created

11 Nov 2025 - Updated to include IBAN Submission attributes on submitBankId calls

4 Feb 2026 - Added Account Verification

\n","_postman_id":"593abbec-7705-42e0-b656-e0b413ea7912"},{"name":"Test Banks","item":[],"id":"132d1aac-ff04-44a1-8010-0032379d1713","description":"

GBP - Faster Payments

Lloyds Bank (UK)

Username: llr001\nPassword: Password123\n\n

EUR - SEPA and SEPA INSTANT

BBVA (Spain)

User: user1\nPassword: 1234\nSMS Code: 123456\n\n

Unicaja Bank (Spain)

Usuario: user1\nClave: 1234\nClave Seguridad: 123456\n\n

LEI - PLATI INSTANT

Unicredit (Romania)

User: 03PSD2Test\nPassword: pw03PSD2Test\n\n

","_postman_id":"132d1aac-ff04-44a1-8010-0032379d1713"},{"name":"Payments","item":[{"name":"1. createPayment calls","item":[{"name":"createPayment - EUR / SCT-Inst","event":[{"listen":"test","script":{"id":"55f7bc7f-59e6-4d73-acae-d63765be3fb0","exec":["var jsonData = JSON.parse(responseBody);","pm.environment.set(\"pb2bId\", jsonData.pb2bId);","","console.log(pm.environment.get('pb2bId'))","","console.log(\"PayBank2Bank Link\")","console.log(\"http://pay.paybank2bank.io/?pb2bid=\" + pm.environment.get('pb2bId'))","","",""],"type":"text/javascript","packages":{},"requests":{}}}],"id":"bbc5cdfc-c0b6-4b1d-b9d1-e76b6c5c0844","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"noauth","isInherited":false},"method":"POST","header":[{"key":"x-api-key","value":"04P700dwGQ4OtPh4bksuS4bW2hWPDkKr2VdT48P1","type":"text"}],"body":{"mode":"raw","raw":"{\n \"clientKey\": \"PB2B_clientKey_SandboxDemoAccount-Tjtlwydtop\", // Your unique key\n \"clientSecret\": \"API_clientSecret_TKNSAND\", // Your unique secret \n \"remittanceInformationUnstructured\": \"Payment Desc\", // A description of the payment\n \"amount\" : \"19.28\", // The amount of currency to be remitted\n \"currency\" : \"EUR\", // The currency of the payment\n \"beneficiaryName\": \"Paybank2bank Demo\", // The legal name against the beneficiary account\n \"IBANBen\" : \"ES9121000418450200051332\", // The beneficiary IBAN\n \"merchantName\" : \"paybank2bank.io test\", // The merchant, or if you are transacting for yourself, your own name, as retreived from your dashboard. This is displayed on our hosted pages. If you get any issues, please email tech@paybank2bank.io\n \"merchantCallbackUrl\" : \"https://demo.paybank2bank.io\", // The URL where the consumer will be returned to once they have authorised the payment\n \"localInstrument\": \"SCT-Inst\", // The payment rail being used,\n \"isSandbox\": \"TRUE\"\n}\n","options":{"raw":{"language":"json"}}},"url":"https://api.paybank2bank.io/payment/createPayment","description":"

Use this payload to create a SEPA payment.

\n","urlObject":{"protocol":"https","path":["payment","createPayment"],"host":["api","paybank2bank","io"],"query":[],"variable":[]}},"response":[{"id":"99b61199-3435-46a8-9f1b-bc5d06926f45","name":"createPayment - EUR / SCT-Inst","originalRequest":{"method":"POST","header":[{"key":"x-api-key","value":"04P700dwGQ4OtPh4bksuS4bW2hWPDkKr2VdT48P1","type":"text"}],"body":{"mode":"raw","raw":"{\n \"clientKey\": \"PB2B_clientKey_SandboxDemoAccount-Tjtlwydtop\", // Your unique key\n \"clientSecret\": \"API_clientSecret_TKNSAND\", // Your unique secret \n \"remittanceInformationUnstructured\": \"Payment Description\", // A description of the payment\n \"amount\" : \"19.28\", // The amount of currency to be remitted\n \"currency\" : \"EUR\", // The currency of the payment\n \"beneficiaryName\": \"Paybank2bank Demo\", // The legal name against the beneficiary account\n \"IBANBen\" : \"ES9121000418450200051332\", // The beneficiary IBAN\n \"merchantName\" : \"paybank2bank.io test\", // The merchant, or if you are transacting for yourself, your own name, as retreived from your dashboard. This is displayed on our hosted pages. If you get any issues, please email tech@paybank2bank.io\n \"merchantCallbackUrl\" : \"https://demo.paybank2bank.io\", // The URL where the consumer will be returned to once they have authorised the payment\n \"localInstrument\": \"SCT-Inst\", // The payment rail being used,\n \"isSandbox\": \"TRUE\"\n}\n","options":{"raw":{"language":"json"}}},"url":"https://api.paybank2bank.io/payment/createPayment"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Date","value":"Fri, 04 Jul 2025 19:46:54 GMT"},{"key":"Content-Type","value":"application/json"},{"key":"Content-Length","value":"48"},{"key":"Connection","value":"keep-alive"},{"key":"x-amzn-RequestId","value":"ee919cf7-4baa-44cf-bd58-f6478b7c1201"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"Access-Control-Allow-Headers","value":"Content-Type"},{"key":"x-amz-apigw-id","value":"NMxjPFx2FiAEGfA="},{"key":"Access-Control-Allow-Methods","value":"OPTIONS,POST,GET"},{"key":"X-Amzn-Trace-Id","value":"Root=1-68682fad-1af120c737d00de912ee8400;Parent=339fabd8c5cc6312;Sampled=0;Lineage=1:144ffe99:0"}],"cookie":[],"responseTime":null,"body":"{\n \"pb2bId\": \"Pd0Fllfo8ihqZFXwDTAqMr69pHMx4thR3Eo\"\n}"}],"_postman_id":"bbc5cdfc-c0b6-4b1d-b9d1-e76b6c5c0844"},{"name":"createPayment - GBP / Faster Payments","event":[{"listen":"test","script":{"id":"55f7bc7f-59e6-4d73-acae-d63765be3fb0","exec":["var jsonData = JSON.parse(responseBody);","pm.environment.set(\"pb2bId\", jsonData.pb2bId);","","console.log(pm.environment.get('pb2bId'))","","console.log(\"PayBank2Bank Link\")","console.log(\"http://pay.paybank2bank.io/?pb2bid=\" + pm.environment.get('pb2bId'))","","",""],"type":"text/javascript","packages":{},"requests":{}}}],"id":"52b80174-3652-4c68-a2f3-df74718c51d8","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"noauth","isInherited":false},"method":"POST","header":[{"key":"x-api-key","value":"04P700dwGQ4OtPh4bksuS4bW2hWPDkKr2VdT48P1","type":"text"}],"body":{"mode":"raw","raw":"{\n \"clientKey\": \"PB2B_clientKey_SandboxDemoAccount-Tjtlwydtop\", // Your unique key\n \"clientSecret\": \"API_clientSecret_TKNSAND\", // Your unique secret \n \"remittanceInformationUnstructured\": \"Payment Description\", // Limited to 12 chars for UK with only alphanumerics and dashes \"-\"\n \"amount\" : \"5.00\",\n \"currency\" : \"GBP\",\n \"beneficiaryName\": \"Paybank2bank Demo\",\n \"accNoBen\" : \"12345678\", // The Account Number of the beneficiary\n \"scBen\" : \"123456\", // The Sort Code of the beneficiary\n \"merchantName\":\"paybank2bank.io test\",\n \"merchantCallbackUrl\" : \"https://demo.paybank2bank.io\",\n \"localInstrument\": \"FASTER_PAYMENTS\", // The payment rail being used,\n \"isSandbox\": \"TRUE\"\n}\n","options":{"raw":{"language":"json"}}},"url":"https://api.paybank2bank.io/payment/createPayment","description":"

Use this payload to create a Faster Payment.

In the UK, bank accounts are uniquely identified using Account Number and Sort Code.

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Use this payload to create a RIX payment, the domestic rail of Sweden.

\n","urlObject":{"protocol":"https","path":["payment","createPayment"],"host":["api","paybank2bank","io"],"query":[],"variable":[]}},"response":[],"_postman_id":"5f696edf-5fde-405d-924d-7c15376683cc"},{"name":"createPayment - RON / PLATI","event":[{"listen":"test","script":{"id":"4740edf3-995d-4961-bf6d-da73522a4513","exec":["var jsonData = JSON.parse(responseBody);","pm.environment.set(\"pb2bId\", jsonData.pb2bId);","","console.log(pm.environment.get('pb2bId'))","","console.log(\"PayBank2Bank Link\")","console.log(\"http://pay.paybank2bank.io/?pb2bid=\" + pm.environment.get('pb2bId'))","","",""],"type":"text/javascript","packages":{}}}],"id":"64458aa5-0697-4305-87ab-6729ebf9924f","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"noauth","isInherited":false},"method":"POST","header":[{"key":"x-api-key","value":"04P700dwGQ4OtPh4bksuS4bW2hWPDkKr2VdT48P1","type":"text"}],"body":{"mode":"raw","raw":"{\n \"clientKey\": \"PB2B_clientKey_SandboxDemoAccount-Tjtlwydtop\", // Your unique key\n \"clientSecret\": \"API_clientSecret_TKNSAND\", // Your unique secret \n \"remittanceInformationUnstructured\": \"Descrierea platii\",\n \"amount\" : \"5\",\n \"currency\" : \"RON\",\n \"beneficiaryName\": \"Paybank2bank Demo \",\n \"IBANBen\" : \"RO28BTRLRONCRT0644940901\",\n \"merchantName\":\"paybank2bank.io test\",\n \"merchantCallbackUrl\" : \"https://demo.paybank2bank.io\",\n \"localInstrument\": \"PLATI\", // The payment rail being used,\n \"isSandbox\": \"TRUE\"\n}","options":{"raw":{"language":"json"}}},"url":"https://api.paybank2bank.io/payment/createPayment","description":"

Use this payload to create a RIX payment, the domestic rail of Sweden.

All of the below POST calls will return your unique payment identifier, eg:
\"pb2bId\": \"CcjEldZ5bXUmMORGr6pdbpNkUYLLgMQbfF1\"

In your payload you will specify the merchantCallbackUrl__, the consumer will be returned to this URL once they have authorised their payment at the bank.

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\"https://apis-i.redsys.es:20443/psd2/xs2a/api-oauth-xs2a/services/rest/BBVA/authorize?response_type=code&client_id=PSDDE-BAFIN-158595&scope=PIS%20SVA&redirect_uri=https%3A%2F%2Fauth.sandbox.token.io%2Fcallback%3Fstate%3Db8c83879-7667-498f-8e82-3f0554613194&code_challenge=JrrwcdhHldH7sirlgvRNs8GrqD9O5EtaQxo_REz8PVs&code_challenge_method=S256\"\n}"}],"_postman_id":"814073b8-6046-4f94-9d59-703ef43f79b7"},{"name":"submitBankId with debtor IBAN","id":"457f3e2f-0a8e-4665-8c27-bbf4273ccca1","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[{"key":"x-api-key","value":"04P700dwGQ4OtPh4bksuS4bW2hWPDkKr2VdT48P1","type":"text"}],"body":{"mode":"raw","raw":"{\n \"bankId\": \"ngp-coba\",\n \"pb2bId\": \"{{pb2bId}}\"\n ,\"submittedMFIBAN\": \"DE89370400440532013000\" // Optional, should only be provided if bank requires originator IBAN\n}\n\n","options":{"raw":{"language":"json"}}},"url":"https://et8212v312.execute-api.eu-central-1.amazonaws.com/core/createV2Payment","urlObject":{"protocol":"https","path":["core","createV2Payment"],"host":["et8212v312","execute-api","eu-central-1","amazonaws","com"],"query":[],"variable":[]}},"response":[{"id":"ba32fd88-7940-4c75-bf40-5658ff646b72","name":"submitBankId with debtor IBAN","originalRequest":{"method":"POST","header":[{"key":"x-api-key","value":"04P700dwGQ4OtPh4bksuS4bW2hWPDkKr2VdT48P1","type":"text"}],"body":{"mode":"raw","raw":"{\n \"bankId\": \"ngp-coba\",\n \"pb2bId\": \"{{pb2bId}}\"\n ,\"submittedMFIBAN\": \"DE89370400440532013000\" // Optional, should only be provided if bank requires originator IBAN\n}\n\n","options":{"raw":{"language":"json"}}},"url":"https://et8212v312.execute-api.eu-central-1.amazonaws.com/core/createV2Payment"},"status":"OK","code":200,"_postman_previewlanguage":null,"header":[{"key":"Content-Type","value":"application/json"},{"key":"Content-Length","value":"149"},{"key":"Connection","value":"keep-alive"},{"key":"Date","value":"Fri, 19 Dec 2025 00:15:48 GMT"},{"key":"Access-Control-Allow-Credentials","value":"true"},{"key":"x-amzn-RequestId","value":"28e36516-c2c4-4a0b-ade9-c8e6541c9d8a"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"x-amz-apigw-id","value":"VzzgDHHwliAEGcA="},{"key":"X-Amzn-Trace-Id","value":"Root=1-69449933-245a43dc5476bdaf2ce49bb9;Parent=2fa797f57535c1b6;Sampled=0;Lineage=1:91b70f8b:0"},{"key":"X-Cache","value":"Miss from cloudfront"},{"key":"Via","value":"1.1 d901d5cb08af8e635b27a0913768c82e.cloudfront.net (CloudFront)"},{"key":"X-Amz-Cf-Pop","value":"MEL52-P1"},{"key":"X-Amz-Cf-Id","value":"n77xYIw_Y1ezulMA8f3bTpmjsKrN19xmnwYdJDCxZL-rvCmp0-NfOw=="}],"cookie":[],"responseTime":null,"body":"{\n \"message\": \"Request successful\",\n \"connectUrl\": \"https://app.sandbox.token.io/session/pm2:3pg7fajbbgBiFGfzL7eGouv9oErn:2gFUX1NE1qA/capture-credentials\"\n}"}],"_postman_id":"457f3e2f-0a8e-4665-8c27-bbf4273ccca1"}],"id":"93edb693-b3d0-4d84-a493-6829ed7a7136","description":"

Some banks require debtor IBAN.

These banks the require debtor IBAN are those that have a value for mandatoryFields.fieldPaths = \"initiation.debtor\" within the bank metadata file.

On the submitBankId call, the debtor IBAN should be provided as the submittedMFIBAN attribute.

An example is provided at the end of this section.

\n","_postman_id":"93edb693-b3d0-4d84-a493-6829ed7a7136"},{"name":"Payment status updates","item":[{"name":"Webhooks","item":[{"name":"example webhook payload sent by PayBank2Bank.io","id":"8bde5ca4-bf68-4573-a4d1-c9827620b338","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[],"body":{"mode":"raw","raw":"{\n \"clientName\": \"PB2B - Sandbox Testing Account\",\n \"currency\": \"GBP\",\n \"providerPayload\": {\n \"data\": {\n \"refresh_interval\": 1800,\n \"custom_fields\": {},\n \"created_at\": \"2024-10-24T22:48:58Z\",\n \"template_identifier\": \"FPS\",\n \"updated_at\": \"2024-10-24T22:48:58Z\",\n \"payment_attributes\": {\n \"debtor_name\": \"John Doe\",\n \"customer_ip_address\": \"10.0.0.1\",\n \"amount\": \"999.00\",\n \"creditor_sort_code\": \"123456\",\n \"debtor_account_number\": \"98765432\",\n \"creditor_account_number\": \"12345678\",\n \"debtor_sort_code\": \"445566\",\n \"end_to_end_id\": \"AvtPMlr5hVjRqYlO4XKfwwHxz8CCATgM3le\",\n \"creditor_name\": \"Payment Link Beneficiary\",\n \"description\": \"Payment enabled by PayBank2Bank.io\",\n \"currency_code\": \"GBP\"\n },\n \"refresh_timeout\": 172800,\n \"stages\": [\n {\n \"name\": \"initialize\",\n \"created_at\": \"2024-10-24T22:48:58.104Z\",\n \"id\": \"1394781920298015627\"\n },\n {\n \"name\": \"start\",\n \"created_at\": \"2024-10-24T22:48:58.635Z\",\n \"id\": \"1394781924752366578\"\n },\n {\n \"name\": \"submission\",\n \"created_at\": \"2024-10-24T22:48:58.679Z\",\n \"id\": \"1394781925121465331\"\n },\n {\n \"name\": \"finish\",\n \"created_at\": \"2024-10-24T22:48:58.833Z\",\n \"error_class\": \"InvalidCredentials\",\n \"id\": \"1394781926404921359\",\n \"time\": \"2024-10-24T22:48:58.766+00:00\",\n \"message\": \"Access declined. Please try again later.\"\n }\n ],\n \"id\": \"1394781920641948556\",\n \"provider_code\": \"fake_with_error_client_xf\",\n \"provider_name\": \"Fake Bank with Error\",\n \"customer_id\": \"1394781775535807400\",\n \"status\": \"rejected\"\n }\n },\n \"accNoBen\": 12345678,\n \"OBIP\": \"SE-SAND\",\n \"2DateTimeBankSelected\": \"2024-10-24T22:48:40.974Z\",\n \"merchantName\": \"Payment Link Beneficiary\",\n \"scBen\": 123456,\n \"clientId\": \"PB2B-SandClientId\",\n \"bankId\": \"fake_with_error_client_xf\",\n \"localInstrument\": \"FASTER_PAYMENTS\",\n \"remittanceInformationUnstructured\": \"Payment enabled by PayBank2Bank.io\",\n \"rawStatusFromOBIP\": \"rejected\",\n \"beneficiaryName\": \"Payment Link Beneficiary\",\n \"amount\": 999,\n \"remittanceReference\": \"AvtPMlr5hVjRqYlO4XKfwwHxz8CCATgM3le\",\n \"1DateTimeCreated\": \"2024-10-24T22:47:57.877Z\",\n \"merchantCallbackUrl\": \"https://paybank2bank.io/\",\n \"pb2bId\": \"AvtPMlr5hVjRqYlO4XKfwwHxz8CCATgM3le\",\n \"pb2bStatus\": \"4. failed\",\n \"4DateTimeFinalPostAuthStatus\": \"2024-10-24T22:48:59.468Z\",\n \"epochTimestampCreated\": 1729810077,\n \"webhookAddress\": \"https://webhook.site/48b066ef-56eb-463d-9dba-c4b2f1d806cb\"\n}","options":{"raw":{"language":"json"}}},"url":"Your Webhook URL","urlObject":{"host":["Your Webhook URL"],"query":[],"variable":[]}},"response":[],"_postman_id":"8bde5ca4-bf68-4573-a4d1-c9827620b338"}],"id":"bf729f44-8850-4174-90d9-c3bcbaf2c0cb","description":"

The recommended integration pattern involves setting up a webhook endpoint where we will POST the final payment details to you.

Webhooks can be configured via the dashboard.

You can log in to the dashboard via: https://login.paybank2bank.io/

","_postman_id":"bf729f44-8850-4174-90d9-c3bcbaf2c0cb"},{"name":"Polling","item":[{"name":"Polling payment status - getPayment","id":"15bbe9bd-f6c1-4bda-b6a4-cd785e96e93d","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[{"key":"x-api-key","value":"04P700dwGQ4OtPh4bksuS4bW2hWPDkKr2VdT48P1","type":"text"}],"body":{"mode":"raw","raw":"{\n \"pb2bId\": \"{{pb2bId}}\"\n}\n","options":{"raw":{"language":"json"}}},"url":"https://api.paybank2bank.io/payment/getPayment","description":"

This is the API that can be used to poll for a payment status.

Simply include the pb2bId for all information pertaining to your payment.

\n","urlObject":{"protocol":"https","path":["payment","getPayment"],"host":["api","paybank2bank","io"],"query":[],"variable":[]}},"response":[{"id":"a01ac6b6-c97e-4335-852b-5e5cba9f48d8","name":"Polling payment status - getPayment","originalRequest":{"method":"POST","header":[{"key":"x-api-key","value":"04P700dwGQ4OtPh4bksuS4bW2hWPDkKr2VdT48P1","type":"text"}],"body":{"mode":"raw","raw":"{\n \"pb2bId\": \"{{pb2bId}}\"\n}\n","options":{"raw":{"language":"json"}}},"url":"https://api.paybank2bank.io/payment/getPayment"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Date","value":"Tue, 01 Apr 2025 19:04:30 GMT"},{"key":"Content-Type","value":"application/json"},{"key":"Content-Length","value":"631"},{"key":"Connection","value":"keep-alive"},{"key":"x-amzn-RequestId","value":"ae613de5-997f-48ab-9eb2-e442529d4606"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"Access-Control-Allow-Headers","value":"Content-Type"},{"key":"x-amz-apigw-id","value":"IW3NvGB8FiAELVQ="},{"key":"X-Amzn-Trace-Id","value":"Root=1-67ec38bd-45920e766035209c533be502;Parent=0dc7adc0334823ee;Sampled=0;Lineage=1:0d77c02d:0"}],"cookie":[],"responseTime":null,"body":"{\n \"pb2bId\": \"FDiJgPtGEIuCiZeA8VRrdKN7TKd7sLrX0uS\",\n \"epochTimestampCreated\": 1743534267,\n \"pb2bStatus\": \"1. Created\",\n \"clientName\": \"PB2B - TKN Sandbox Testing Account\",\n \"clientId\": \"CL-0001\",\n \"localInstrument\": \"FASTER_PAYMENTS\",\n \"currency\": \"GBP\",\n \"amount\": \"5.00\",\n \"beneficiaryName\": \"Paybank2bank Demo\",\n \"merchantName\": \"Buckets\",\n \"accNoBen\": \"12345678\",\n \"scBen\": \"123456\",\n \"OBIP\": \"TKN-SAND\",\n \"hasFraudProtection\": true,\n \"remittanceInformationUnstructured\": \"Payment Description\",\n \"merchantCallbackUrl\": \"https://display-parameters.com\",\n \"1DateTimeCreated\": \"2025-04-01T19:04:27.787Z\",\n \"webhookAddress\": \"https://webhook.site/adbb5627-8421-44fd-aa91-f7e3ea04c082\"\n}"}],"_postman_id":"15bbe9bd-f6c1-4bda-b6a4-cd785e96e93d"}],"id":"58ae720a-b069-4b01-a3f4-5cfb4bebaaa0","_postman_id":"58ae720a-b069-4b01-a3f4-5cfb4bebaaa0","description":""}],"id":"d45b1db3-3a9c-464e-856a-748cabb7cee4","description":"

PayBank2Bank.io offers 2 mechanisms for obtaining status updates:

Webhooks
\n
Polling
\n

Best practice in payments is to use webhooks to consume status updates in the most timely manner.

PayBank2Bank.io also supports providing payment statuses via polling where required.

\n","_postman_id":"d45b1db3-3a9c-464e-856a-748cabb7cee4"},{"name":"PB2B - Payment Status Definitions","item":[],"id":"fc626e0a-334d-4094-b83c-0dc7f2be5892","description":"

We make understanding payment initiation statuses easy.

Our standardised payment statuses are:

\"1. Created\"

This is an intermediate status where the payment request has been created.
The consumer's next step will be to select the bank from which they would like to pay.

This is an intermediate status.

\"2. Bank Selected\"

This is the status where the consumer for when the consumer has selected their bank.
They are now proceeding to authorise the payment with their bank.

This is an intermediate status.

\"3. Processing\"

This is an intermediate status.

\"4. Initiated\"

This is a final payment status for success cases.

\"4. Failed\"

This is a final payment status for failure cases.

You will find these in the pb2bStatus attribute in your webhook, and in response to the getStatus call.

\n","_postman_id":"fc626e0a-334d-4094-b83c-0dc7f2be5892"}],"id":"e32b759f-474f-4689-93e3-c3b0dd196650","description":"

To build out a payments flow using your own UX, follow the steps below:

Create a payment via https://api.paybank2bank.io/payment/createPayment
\n
Display the bank list based on the bank metadata file that will be provided to you - please contact Tech@paybank2bank.io
\n
1. Ensure the bank list presented to consumers is filtered for the payment rail of the created payment session
\n
Post the selected bank to the submitBankId endpoint
\n
1. If the bank requires originator IBAN, this should be included in your submitBankId API call
\n
Use the connectUrl from the response to redirect the consumer to their bank to authenticate themselves and authorise the payment
\n
Await your webhook or poll for a final status
\n

\n","_postman_id":"e32b759f-474f-4689-93e3-c3b0dd196650"},{"name":"Account Verification (AV)","item":[{"name":"createAccountVerification calls","item":[{"name":"1. Create - Account Validation","event":[{"listen":"test","script":{"id":"55f7bc7f-59e6-4d73-acae-d63765be3fb0","exec":["var jsonData = JSON.parse(responseBody);","pm.environment.set(\"pb2bAVId\", jsonData.pb2bAVId);","","console.log(pm.environment.get('pb2bAVId'))","","console.log(\"PayBank2Bank Link\")","console.log(\"http://session.pay-by-bank.co.uk/?pb2bAVid=\" + pm.environment.get('pb2bAVId'))","","",""],"type":"text/javascript","packages":{},"requests":{}}}],"id":"b1e57066-0c76-4bc6-af6c-3f5bdd3407a5","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"noauth","isInherited":false},"method":"POST","header":[{"key":"x-api-key","value":"04P700dwGQ4OtPh4bksuS4bW2hWPDkKr2VdT48P1","type":"text"}],"body":{"mode":"raw","raw":"{\n \"clientKey\": \"PB2B_clientKey_SandboxDemoAccount-Tjtlwydtop\", // Your unique key\n \"clientSecret\": \"API_clientSecret_TKNSAND2\", // Your unique secret \n \n \"beneficiaryName\" : \"Ben A Ficiary\",\n \n \"merchantName\" : \"paybank2bank.io test\", // The merchant, or if you are transacting for yourself, your own name, as retreived from your dashboard. This is displayed on our hosted pages. If you get any issues, please email tech@paybank2bank.io\n \"merchantCallbackUrl\" : \"https://demo.paybank2bank.io/?sessionId=1234\", // The URL where the consumer will be returned to once they have authorised the payment\n \"isSandbox\":\"TRUE\"\n}\n","options":{"raw":{"language":"json"}}},"url":"https://api.paybank2bank.io/AV/createAV","description":"

Use this payload to create an Account Verification session.

\n","urlObject":{"protocol":"https","path":["AV","createAV"],"host":["api","paybank2bank","io"],"query":[],"variable":[]}},"response":[{"id":"64ca1ad6-58c5-45fc-ae12-13c5c92d38a9","name":"Create - Account Validation","originalRequest":{"method":"POST","header":[{"key":"x-api-key","value":"04P700dwGQ4OtPh4bksuS4bW2hWPDkKr2VdT48P1","type":"text"}],"body":{"mode":"raw","raw":"{\n \"clientKey\": \"PB2B_clientKey_SandboxDemoAccount-Tjtlwydtop\", // Your unique key\n \"clientSecret\": \"API_clientSecret_TKNSAND\", // Your unique secret \n \n \"merchantName\" : \"Paybank2bank Demo\", // The merchant, or if you are transacting for yourself, your own name, as retreived from your dashboard. This is displayed on our hosted pages. If you get any issues, please email tech@paybank2bank.io\n \"merchantCallbackUrl\" : \"https://display-parameters.com\" // The URL where the consumer will be returned to once they have authorised the payment\n}\n","options":{"raw":{"language":"json"}}},"url":"https://api.paybank2bank.io/AV/createAV"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Date","value":"Wed, 02 Apr 2025 19:34:03 GMT"},{"key":"Content-Type","value":"application/json"},{"key":"Content-Length","value":"50"},{"key":"Connection","value":"keep-alive"},{"key":"x-amzn-RequestId","value":"41d03d5a-d92c-4daa-b1cb-d6d47cf0e462"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"Access-Control-Allow-Headers","value":"Content-Type"},{"key":"x-amz-apigw-id","value":"IaOe1Hw0liAESuw="},{"key":"Access-Control-Allow-Methods","value":"OPTIONS,POST,GET"},{"key":"X-Amzn-Trace-Id","value":"Root=1-67ed912b-761dadd75a9e6aba50d8c957;Parent=26ae9e51dd1ac261;Sampled=0;Lineage=1:261b2a8d:0"}],"cookie":[],"responseTime":null,"body":"{\n \"pb2bAVId\": \"LXAAZ7O8CncZSHCDZXub02xdjXxUseCztFT\"\n}"}],"_postman_id":"b1e57066-0c76-4bc6-af6c-3f5bdd3407a5"},{"name":"2. submitBankId","id":"dad5984d-3177-4303-84b5-9d1584e7ae8a","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[{"key":"x-api-key","value":"04P700dwGQ4OtPh4bksuS4bW2hWPDkKr2VdT48P1","type":"text"}],"body":{"mode":"raw","raw":"{\n \"bankId\": \"ngp-inal\",\n \"pb2bAVId\": \"{{pb2bAVId}}\"\n}","options":{"raw":{"language":"json"}}},"url":"https://et8212v312.execute-api.eu-central-1.amazonaws.com/core/createAIS","urlObject":{"protocol":"https","path":["core","createAIS"],"host":["et8212v312","execute-api","eu-central-1","amazonaws","com"],"query":[],"variable":[]}},"response":[{"id":"71c06d75-69ac-4be9-b461-901d8d30f8dd","name":"2. submitBankId","originalRequest":{"method":"POST","header":[{"key":"x-api-key","value":"04P700dwGQ4OtPh4bksuS4bW2hWPDkKr2VdT48P1","type":"text"}],"body":{"mode":"raw","raw":"{\n \"bankId\": \"ngp-inal\",\n \"pb2bAVId\": \"{{pb2bAVId}}\"\n}","options":{"raw":{"language":"json"}}},"url":"https://et8212v312.execute-api.eu-central-1.amazonaws.com/core/createAIS"},"status":"OK","code":200,"_postman_previewlanguage":null,"header":[{"key":"Content-Type","value":"application/json"},{"key":"Content-Length","value":"443"},{"key":"Connection","value":"keep-alive"},{"key":"Date","value":"Wed, 04 Feb 2026 00:36:18 GMT"},{"key":"Access-Control-Allow-Credentials","value":"true"},{"key":"x-amzn-RequestId","value":"78ed499a-027e-4265-ade3-2410576074a6"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"x-amz-apigw-id","value":"YOwj1Eg1liAEf_A="},{"key":"X-Amzn-Trace-Id","value":"Root=1-6982947e-58449073621c671f65ceccf0;Parent=537d81b9e6af91aa;Sampled=0;Lineage=1:53ab7cbc:0"},{"key":"X-Cache","value":"Miss from cloudfront"},{"key":"Via","value":"1.1 c2e8cf5b8be4f21e5cb43183b2749484.cloudfront.net (CloudFront)"},{"key":"X-Amz-Cf-Pop","value":"MEL52-P1"},{"key":"X-Amz-Cf-Id","value":"5T2SL8vimrOzTNqDNQnDkZxBEM5EAGOP2Qk7B484o82u4pcHISYFOA=="}],"cookie":[],"responseTime":null,"body":"{\n \"message\": \"Account verification request initiated\",\n \"connectUrl\": \"https://apis-i.redsys.es:20443/psd2/xs2a/api-oauth-xs2a/services/rest/BBVA/authorize?response_type=code&client_id=PSDDE-BAFIN-158595&scope=AIS&redirect_uri=https%3A%2F%2Fauth.sandbox.token.io%2Fcallback%2Fnextgenpsd2%3Fstate%3DdG9rZW5pby1zdGF0ZQ__rq-3jVR9rReevWKHjnaAty5Uy5EzmX9-5zKtXEAq__&code_challenge=1N8tYiGj4suMXzmOQftw-FpiYZNxSZn4EdF8t091vgo&code_challenge_method=S256\"\n}"}],"_postman_id":"dad5984d-3177-4303-84b5-9d1584e7ae8a"},{"name":"3. Check - Account Validation","id":"35c6f835-70be-4d8b-962e-bcd41467fd30","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[{"key":"x-api-key","value":"04P700dwGQ4OtPh4bksuS4bW2hWPDkKr2VdT48P1","type":"text"}],"body":{"mode":"raw","raw":"{\n \"pb2bAVId\":\"{{pb2bAVId}}\" \n}","options":{"raw":{"language":"json"}}},"url":"https://api.paybank2bank.io/AV/checkAV","description":"

Use this payload to obtain the Account Validation check outcome.

The consumer must authenticate first, therefore clients will need to poll until the consumer authenticates.

\n","urlObject":{"protocol":"https","path":["AV","checkAV"],"host":["api","paybank2bank","io"],"query":[],"variable":[]}},"response":[{"id":"01764eb5-8ceb-4b24-9512-d18a68ebccd1","name":"Check - Account Validation (UK - Sort Code/ Account Number) - Not using Verify +","originalRequest":{"method":"POST","header":[],"body":{"mode":"raw","raw":"{\"pb2bAVId\":\"LXAAZ7O8CncZSHCDZXub02xdjXxUseCztFT\"}","options":{"raw":{"language":"json"}}},"url":"https://api.paybank2bank.io/AV/checkAV"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Date","value":"Wed, 02 Apr 2025 19:38:45 GMT"},{"key":"Content-Type","value":"application/json"},{"key":"Content-Length","value":"259"},{"key":"Connection","value":"keep-alive"},{"key":"x-amzn-RequestId","value":"6b8a24f5-7c43-426d-a0d1-50c491b20d82"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"x-amz-apigw-id","value":"IaPKuH3sFiAEd2w="},{"key":"X-Amzn-Trace-Id","value":"Root=1-67ed9244-75b43b5e1b65901c608e23db;Parent=603af5dab0098bf5;Sampled=0;Lineage=1:3cf02df0:0"},{"key":"Access-Control-Allow-Credentials","value":"true"}],"cookie":[],"responseTime":null,"body":"{\n \"pb2bAVId\": \"LXAAZ7O8CncZSHCDZXub02xdjXxUseCztFT\",\n \"accountHolderName\": \"Sydney Beard\",\n \"currency\": \"GBP\",\n \"sortCode\": \"500000\",\n \"accountNumber\": \"12345602\",\n \"balanceCurrent\": \"730013853.5800\",\n \"balanceAvailable\": \"730013853.5800\",\n \"pb2bStatus\": \"4. Verified\"\n}"},{"id":"028de149-6179-4243-a876-f5ff68541668","name":"Check - Account Validation (EU - IBAN) - Not using Verify +","originalRequest":{"method":"POST","header":[{"key":"x-api-key","value":"04P700dwGQ4OtPh4bksuS4bW2hWPDkKr2VdT48P1","type":"text"}],"body":{"mode":"raw","raw":"{\n \"pb2bAVId\":\"{{pb2bAVId}}\" \n}","options":{"raw":{"language":"json"}}},"url":"https://api.paybank2bank.io/AV/checkAV"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Date","value":"Sun, 01 Jun 2025 17:25:23 GMT"},{"key":"Content-Type","value":"application/json"},{"key":"Content-Length","value":"235"},{"key":"Connection","value":"keep-alive"},{"key":"x-amzn-RequestId","value":"013b6e15-7b39-493f-a290-0faf572de3ef"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"x-amz-apigw-id","value":"Lfr4QHXSliAELEg="},{"key":"X-Amzn-Trace-Id","value":"Root=1-683c8d01-643a6ea36eeb0af52b934320;Parent=2c115713b0134344;Sampled=0;Lineage=1:3cf02df0:0"},{"key":"Access-Control-Allow-Credentials","value":"true"}],"cookie":[],"responseTime":null,"body":"{\n \"pb2bAVId\": \"c2zpvCWsdievNkYGMStlFOGKEoD4rBamSr2\",\n \"accountHolderName\": \"Nombre Apellido1 Apellido2\",\n \"currency\": \"EUR\",\n \"IBAN\": \"ES8401826450000201500191\",\n \"balanceCurrent\": \"254.7900\",\n \"balanceAvailable\": \"254.7900\",\n \"pb2bStatus\": \"4. Verified\"\n}"},{"id":"dfa3fb7f-a8c2-4c7a-bc57-23b9c32ee6d3","name":"Check - Account Validation - Verify + Match","originalRequest":{"method":"POST","header":[{"key":"x-api-key","value":"04P700dwGQ4OtPh4bksuS4bW2hWPDkKr2VdT48P1","type":"text"}],"body":{"mode":"raw","raw":"{\n \"pb2bAVId\":\"{{pb2bAVId}}\" ,\n \"expectedConsumerName\": \"Sydney Beard\" // optional field\n}","options":{"raw":{"language":"json"}}},"url":"https://api.paybank2bank.io/AV/checkAV"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Date","value":"Sun, 01 Jun 2025 17:22:07 GMT"},{"key":"Content-Type","value":"application/json"},{"key":"Content-Length","value":"359"},{"key":"Connection","value":"keep-alive"},{"key":"x-amzn-RequestId","value":"146a54fd-2567-4b00-926e-c8f3b6da06fa"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"x-amz-apigw-id","value":"LfrZXHZUliAESww="},{"key":"X-Amzn-Trace-Id","value":"Root=1-683c8c3b-55419d8275b387e827091eda;Parent=4298560d3e8fe6b8;Sampled=0;Lineage=1:3cf02df0:0"},{"key":"Access-Control-Allow-Credentials","value":"true"}],"cookie":[],"responseTime":null,"body":"{\n \"pb2bAVId\": \"CLl09QH1hpLTFYwvXCTt7pBqxgXwAC1Xyz6\",\n \"accountHolderName\": \"Sydney Beard\",\n \"currency\": \"GBP\",\n \"sortCode\": \"500000\",\n \"accountNumber\": \"12345601\",\n \"balanceCurrent\": \"9993992341.7900\",\n \"balanceAvailable\": \"9993992341.7900\",\n \"pb2bStatus\": \"4. Verified\",\n \"expectedConsumerName\": \"Sydney Beard\",\n \"nameMatchScore\": 100,\n \"nameMatchDistance\": 0,\n \"nameMatchTrustLevel\": \"match\"\n}"},{"id":"d8f6d4ed-4536-4e80-b7e2-587eb9674866","name":"Check - Account Validation - Verify + Close Match","originalRequest":{"method":"POST","header":[{"key":"x-api-key","value":"04P700dwGQ4OtPh4bksuS4bW2hWPDkKr2VdT48P1","type":"text"}],"body":{"mode":"raw","raw":"{\n \"pb2bAVId\":\"{{pb2bAVId}}\" ,\n \"expectedConsumerName\": \"Beard Sydneyy \" // optional field\n}","options":{"raw":{"language":"json"}}},"url":"https://api.paybank2bank.io/AV/checkAV"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Date","value":"Sun, 01 Jun 2025 17:22:33 GMT"},{"key":"Content-Type","value":"application/json"},{"key":"Content-Length","value":"366"},{"key":"Connection","value":"keep-alive"},{"key":"x-amzn-RequestId","value":"500d8e45-65d4-42c4-8e2f-bccbcfcfc94d"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"x-amz-apigw-id","value":"Lfrd0FzMFiAETDA="},{"key":"X-Amzn-Trace-Id","value":"Root=1-683c8c58-202b1c5729edcc0b1008b0ae;Parent=08528086566dbf8c;Sampled=0;Lineage=1:3cf02df0:0"},{"key":"Access-Control-Allow-Credentials","value":"true"}],"cookie":[],"responseTime":null,"body":"{\n \"pb2bAVId\": \"CLl09QH1hpLTFYwvXCTt7pBqxgXwAC1Xyz6\",\n \"accountHolderName\": \"Sydney Beard\",\n \"currency\": \"GBP\",\n \"sortCode\": \"500000\",\n \"accountNumber\": \"12345601\",\n \"balanceCurrent\": \"9993992341.7900\",\n \"balanceAvailable\": \"9993992341.7900\",\n \"pb2bStatus\": \"4. Verified\",\n \"expectedConsumerName\": \"Beard Sydneyy \",\n \"nameMatchScore\": 92,\n \"nameMatchDistance\": 1,\n \"nameMatchTrustLevel\": \"close match\"\n}"}],"_postman_id":"35c6f835-70be-4d8b-962e-bcd41467fd30"},{"name":"4. Check - Transactions","id":"75d64038-6487-43d7-9788-1c28ced43994","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[{"key":"x-api-key","value":"04P700dwGQ4OtPh4bksuS4bW2hWPDkKr2VdT48P1","type":"text"}],"body":{"mode":"raw","raw":"{\"pb2bAVId\":\"{{pb2bAVId}}\"}","options":{"raw":{"language":"json"}}},"url":"https://api.paybank2bank.io/AV/checkAVTransactions","description":"

Use this payload to obtain the Transactions list for a Verified Account.

The account must be verified via /CheckAV before this call can be made.

This call will obtain the last 600 records from a consumers bank account. It will then filter for the records within the last 90 days, and provide these as a response.

Risk Indicators

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

Attribute Name	Description
`hasRecentLargeDebit`	True if any single DEBIT > 10,000
`hasNegativeBalanceTrend`	True if net difference < 0 consistently over time
`highVolumeTransactions`	True if total count > 150 transactions in 90d
`hasInboundSpike`	True if > 80% of total credits came in last 7 days
`totalTransactionCount`	Count of all filtered transactions
`averageTxnValue`	Average transaction value
`riskScore`	Simple score: 0–100 based on weighted rules above

","urlObject":{"protocol":"https","path":["AV","checkAVTransactions"],"host":["api","paybank2bank","io"],"query":[],"variable":[]}},"response":[{"id":"6d57c9ec-6d38-4995-979b-4aa62adfa1fe","name":"Check - Transactions","originalRequest":{"method":"POST","header":[{"key":"x-api-key","value":"04P700dwGQ4OtPh4bksuS4bW2hWPDkKr2VdT48P1","type":"text"}],"body":{"mode":"raw","raw":"{\"pb2bAVId\":\"{{pb2bAVId}}\"}","options":{"raw":{"language":"json"}}},"url":"https://api.paybank2bank.io/AV/checkAVTransactions"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Date","value":"Tue, 24 Jun 2025 13:27:28 GMT"},{"key":"Content-Type","value":"application/json"},{"key":"Content-Length","value":"15357"},{"key":"Connection","value":"keep-alive"},{"key":"x-amzn-RequestId","value":"9dcd4298-bb11-46a1-863d-cbe4ec04051d"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"x-amz-apigw-id","value":"Mq8ldFBxFiAEK9Q="},{"key":"X-Amzn-Trace-Id","value":"Root=1-685aa7bc-5a6ca79f0fef9ecb750f63a0;Parent=667897ae4f574104;Sampled=0;Lineage=1:bb6061e9:0"},{"key":"Access-Control-Allow-Credentials","value":"true"}],"cookie":[],"responseTime":null,"body":"{\n \"pb2bAVId\": \"rZ9vMKS9XN5Kj4ejzPLYh5spJlPluK4DXq5\",\n \"currency\": \"GBP\",\n \"netDifference90days\": -12794.180000000008,\n \"netCredit90Days\": 0,\n \"netDebit90Days\": 12794.180000000008,\n \"pb2bStatus\": \"4. Verified\",\n \"riskIndicators\": {\n \"totalTransactionCount\": 200,\n \"averageTxnValue\": 63.97,\n \"hasRecentLargeDebit\": false,\n \"hasNegativeBalanceTrend\": true,\n \"highVolumeTransactions\": true,\n \"hasInboundSpike\": false,\n \"riskScore\": 40\n },\n \"transactions\": [\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750770996740\",\n \"description\": \"kwxp76zlya06gff3s9\"\n },\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750770974047\",\n \"description\": \"jlezkpnynsgoqhbfq6\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750770889184\",\n \"description\": \"i1ajy3f0g4eg\"\n },\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750770562771\",\n \"description\": \"pfruve81yog32rcanc\"\n },\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750770540684\",\n \"description\": \"p0saqt8rosavkk9lc1\"\n },\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750770247349\",\n \"description\": \"t3h9m4zaxc9wltns34\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750770234631\",\n \"description\": \"irfaa8cc992781cef\"\n },\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750770225305\",\n \"description\": \"rmmecl4kew053lv803\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750770200443\",\n \"description\": \"irf7894461d81732e\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750770167075\",\n \"description\": \"irf3d3a4f8a3e7c95\"\n },\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750770139826\",\n \"description\": \"zolf54ghapl6owdu0i\"\n },\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750770117196\",\n \"description\": \"f3zcu5as9oics815dj\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750769787919\",\n \"description\": \"irffe47ef624bbe4a\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750769747995\",\n \"description\": \"irffc7fde63bbb489\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750769704897\",\n \"description\": \"irf8fd2f16b179146\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750769675693\",\n \"description\": \"j8wopwyz91jh\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750769352323\",\n \"description\": \"7qg5gngwqw7y\"\n },\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750768708896\",\n \"description\": \"v0x65k72snhfx62hlk\"\n },\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750768683831\",\n \"description\": \"gvv9ftofzrbv7mqpti\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750768165227\",\n \"description\": \"irf6a63332e8ccc8c\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750768131195\",\n \"description\": \"irfe4941f728a7d9e\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750768096165\",\n \"description\": \"irf66bcc1a75e33c6\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750766589270\",\n \"description\": \"irfa74728dd24dddc\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750766552425\",\n \"description\": \"irfbf668c43a851fb\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750766518458\",\n \"description\": \"irfa92519a89a935d\"\n },\n {\n \"amount\": -100,\n \"createdAtMs\": \"1750765191640\",\n \"description\": \"18969654\"\n },\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750761414563\",\n \"description\": \"c5s1pe943e61pmqayf\"\n },\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750761391692\",\n \"description\": \"e9q1lwkrlecn16fvrm\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750760592170\",\n \"description\": \"dzyznly3jg7x\"\n },\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750759411224\",\n \"description\": \"f53hn0dghiunou42t3\"\n },\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750759387113\",\n \"description\": \"wcg1nrge7wx7zpwkxu\"\n },\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750757681243\",\n \"description\": \"jc3e6i7iqfp0d10mrz\"\n },\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750757657717\",\n \"description\": \"jgubf0ujdy0lt1qs4i\"\n },\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750757567953\",\n \"description\": \"af0o75a22oz191f08e\"\n },\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750757544027\",\n \"description\": \"fg74o5ya8kbvvj0wbw\"\n },\n {\n \"amount\": -1.2,\n \"createdAtMs\": \"1750756760615\",\n \"description\": \"84441097530\"\n },\n {\n \"amount\": -1,\n \"createdAtMs\": \"1750756654579\",\n \"description\": \"ABC123\"\n },\n {\n \"amount\": -1,\n \"createdAtMs\": \"1750754225399\",\n \"description\": \"5229487502781225\"\n },\n {\n \"amount\": -1,\n \"createdAtMs\": \"1750753953564\",\n \"description\": \"sg4woxcrgqv73bgjt9\"\n },\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750753926463\",\n \"description\": \"ptzmt4b613csirzvzn\"\n },\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750753904855\",\n \"description\": \"qxawf0gt0ok4tquzhl\"\n },\n {\n \"amount\": -8.77,\n \"createdAtMs\": \"1750753696742\",\n \"description\": \"7110000001653690 T\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750751854403\",\n \"description\": \"irfdedbd611e5ef1c\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750751810871\",\n \"description\": \"irfdcbda4926b735d\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750751769256\",\n \"description\": \"irf925b4956ff65f6\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750750885688\",\n \"description\": \"irf5cf1555de47852\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750750852144\",\n \"description\": \"irffaf6622ce138a5\"\n },\n {\n \"amount\": -1,\n \"createdAtMs\": \"1750748258622\",\n \"description\": \"84441091735\"\n },\n {\n \"amount\": -20,\n \"createdAtMs\": \"1750732922293\",\n \"description\": \"PROMMT-3ed238ae-01\"\n },\n {\n \"amount\": -1,\n \"createdAtMs\": \"1750728234351\",\n \"description\": \"20071168\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750702965341\",\n \"description\": \"irf21976736e12312\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750702939182\",\n \"description\": \"irfcba9df238b33d1\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750702913366\",\n \"description\": \"irf6432891d25129c\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750693556316\",\n \"description\": \"Capital One\"\n },\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750693476443\",\n \"description\": \"p3zi8laixcdmlq83qy\"\n },\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750693453319\",\n \"description\": \"udd9jqibdknlcl861h\"\n },\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750693210036\",\n \"description\": \"md2wh1kbwa6p40f8n4\"\n },\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750693203618\",\n \"description\": \"ivrdbx4k9f4bj7vh0g\"\n },\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750693186583\",\n \"description\": \"xw2hkqrs24i2w3ofvc\"\n },\n {\n \"amount\": -1.5,\n \"createdAtMs\": \"1750692950824\",\n \"description\": \"PBB00000111521\"\n },\n {\n \"amount\": -1.5,\n \"createdAtMs\": \"1750692921016\",\n \"description\": \"PBB00000111521\"\n },\n {\n \"amount\": -1.5,\n \"createdAtMs\": \"1750692877829\",\n \"description\": \"PBB00000111521\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750690776497\",\n \"description\": \"irf6fc1195d57feed\"\n },\n {\n \"amount\": -1.2,\n \"createdAtMs\": \"1750690767183\",\n \"description\": \"84441082650\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750690749170\",\n \"description\": \"irf985e8d6d5bb17f\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750690719433\",\n \"description\": \"irf2b218245d22623\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750689186763\",\n \"description\": \"irfdc9dfafd8b99c5\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750689158421\",\n \"description\": \"irf947587e671a693\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750689129231\",\n \"description\": \"irf43ff9368ea6ca8\"\n },\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750688522642\",\n \"description\": \"qcdp9m96wdir2szkx7\"\n },\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750688499613\",\n \"description\": \"m8c3ui984wccm2cv00\"\n },\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750688252929\",\n \"description\": \"l9rzbzdcxt5mqd3q9u\"\n },\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750688230753\",\n \"description\": \"z4v9jsxbfrbtshlu5p\"\n },\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750688113434\",\n \"description\": \"f6xufp6i2i16u280gc\"\n },\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750688036635\",\n \"description\": \"c6axw7c5zkbqrpyaaf\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750687994582\",\n \"description\": \"irf17bfdaefd81aaa\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750687967199\",\n \"description\": \"irf5b5974c157945e\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750687934318\",\n \"description\": \"irfc5ec9c24953bd6\"\n },\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750687909940\",\n \"description\": \"l3fummas5762pu28t4\"\n },\n {\n \"amount\": -40,\n \"createdAtMs\": \"1750687887356\",\n \"description\": \"dvle5i0gc1me1ct6t9\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750686278209\",\n \"description\": 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-0.01,\n \"createdAtMs\": \"1750402616997\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750402431062\"\n },\n {\n \"amount\": -20,\n \"createdAtMs\": \"1750388308689\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750358666088\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750358637501\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750358609475\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750346432136\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750346391448\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750346352951\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750343100344\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750343071044\"\n },\n {\n \"amount\": -0.01,\n \"createdAtMs\": \"1750343041002\"\n }\n ]\n}"}],"_postman_id":"75d64038-6487-43d7-9788-1c28ced43994"},{"name":"5. CreateVerification - KYC Consumer","id":"a47f67dd-e276-4028-8f26-f44bcee6022e","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[{"key":"x-api-key","value":"04P700dwGQ4OtPh4bksuS4bW2hWPDkKr2VdT48P1","type":"text"}],"body":{"mode":"raw","raw":"{\"pb2bAVId\":\"{{pb2bAVId}}\"}","options":{"raw":{"language":"json"}}},"url":"https://api.paybank2bank.io/AV/KYCConsumer","description":"

Use this payload to KYC a consumer following a Account Verification check.

Account Verification must be completed via /checkAV before making this call.

This call is used to KYC consumers.

It kicks off a workflow where a consumer must provide a document and a selfie for KYC validation

Please note, this is a premium feature. If you would like to use this feature, please contact Sales@paybank2bank.io

\n","urlObject":{"protocol":"https","path":["AV","KYCConsumer"],"host":["api","paybank2bank","io"],"query":[],"variable":[]}},"response":[],"_postman_id":"a47f67dd-e276-4028-8f26-f44bcee6022e"}],"id":"07efb95b-4f71-4237-85b1-3381376941fc","_postman_id":"07efb95b-4f71-4237-85b1-3381376941fc","description":""},{"name":"PB2B - Account Verification Status Definitions","item":[],"id":"fc8416a9-8813-493d-9348-8e08d2c2be39","description":"

We make understanding Account Verification statuses easy.

Our standardised Account Verification statuses are:

\"1. Created\"

This is an intermediate status where the Account Verification request has been created.
The consumer's next step will be to select the bank from which they would like to verify their account.

This is an intermediate status.

\"2. Bank Selected\"

This is the status where the consumer for when the consumer has selected their bank.
They are now proceeding to authorise the Account Verification with their bank.

This is an intermediate status.

\"3. Processing\"

This is an intermediate status.

\"4. Verified \"

This is a final Account Verification status for success cases.

\"4. Rejected \"

This is a final Account Verification status for rejection cases.

\"4. Expired \"

This is a final Account Verification status for failure cases.

\n\n

Unauthorised sessions will expire after 12 minutes.

\n","_postman_id":"fc8416a9-8813-493d-9348-8e08d2c2be39"}],"id":"036eda09-535f-4eb3-a185-91e6b7458486","description":"

Introduction

To build out an AV flow using your own UX, follow the steps below:

Create a session via https://api.paybank2bank.io/AV/createAV
\n
Display the bank list based on the bank metadata file that will be provided to you - please contact Tech@paybank2bank.io
\n
1. Ensure the bank list presented to consumers is filtered for the payment rail of the created payment session
\n
Post the selected bank to the submitBankId endpoint
\n
1. If the bank requires originator IBAN, this should be included in your submitBankId API call
\n
Use the connectUrl from the response to redirect the consumer to their bank to authenticate themselves and authorise the payment
\n
Poll for a final status
\n

Product Use

Our best-in-class Account Verification Product can be used to leverage Open Banking in order to ascertain the validity of an account.

We return the:

Account Holder Name
\n
Account Details (IBAN or Sort Code and Account Number)
\n
Current balance
\n
Available balance
\n

This is a product that can be trusted, as the consumer must authenticate themselves directly via their Bank and authorise the sharing of their account details with paybank2bank.

","_postman_id":"036eda09-535f-4eb3-a185-91e6b7458486"}]}