From 2a8c3c344c03e45bb21725f7581bd5fa66267d03 Mon Sep 17 00:00:00 2001 From: Lewis Westwood Flood Date: Thu, 6 Aug 2026 11:31:59 +0100 Subject: [PATCH 1/3] Add COP intl payments to Open Banking Also includes a note about the required, unstructured SupplementaryData field --- source/includes/_pis.md | 23 ++++++++++++++++++++++- 1 file changed, 22 insertions(+), 1 deletion(-) diff --git a/source/includes/_pis.md b/source/includes/_pis.md index 82fdda2..622f860 100644 --- a/source/includes/_pis.md +++ b/source/includes/_pis.md @@ -188,6 +188,7 @@ The table below outlines the currencies and supported payment rails, along with | CAD | - | `UK.OBIE.BBAN` | Account Number | - | `UK.OBIE.NCC.CA` | 8-digit Routing Number | - | | | CAD | - | `UK.MONZO.Interac` | Email Address | - | - | - | - | | | CHF | - | `UK.OBIE.IBAN` | IBAN | - | `UK.OBIE.BICFI` | BIC | - | | +| COP | - | `UK.OBIE.BBAN` | Account Number | - | `UK.OBIE.BICFI` | BIC | Required | `SupplementaryData` required — see [below](#international-payment-supplementarydata) | | EUR | `UK.OBIE.SEPACreditTransfer` | `UK.OBIE.IBAN` | IBAN | - | - | - | - | | | EUR | `UK.OBIE.SWIFT` | `UK.OBIE.IBAN` | IBAN | - | `UK.OBIE.BICFI` | BIC | - | | | HUF | - | `UK.OBIE.BBAN` | Account Number | - | - | - | - | | @@ -221,7 +222,7 @@ If `Creditor.PostalAddress` is required, the following fields must be provided: * `Business` * `BusinessSavingsAccount` -For CAD and USD payments, the account type (`Checking` or `Savings`) is determined based on `Risk.BeneficiaryAccountType`. +For CAD, COP and USD payments, the account type (`Checking` or `Savings`) is determined based on `Risk.BeneficiaryAccountType`. For JPY payments, the account type must be provided in `CreditorAccount.SecondaryIdentification` and supports the following values: @@ -229,6 +230,26 @@ For JPY payments, the account type must be provided in `CreditorAccount.Secondar * `SAVINGS` - for Chochiku yokin * `CHECKING` - for Tōza yokin +### International Payment SupplementaryData + +Some currencies require payee details that have no dedicated field elsewhere in the `Initiation` object. These must be provided as a JSON object in `Initiation.SupplementaryData`. + +| CurrencyOfTransfer | Field | Description | Required | +|---------------------|--------------------|------------------------------------------------------------------------------|----------| +| COP | `IDDocumentType` | The payee's Colombian ID document type, e.g. `CC` for Cédula de Ciudadanía | Yes | +| COP | `IDDocumentNumber` | The payee's Colombian national ID document number | Yes | +| COP | `PhoneNumber` | The payee's phone number, in international format, e.g. `+573001234567` | Yes | + +For example, for a COP payment: + +```json +{ + "IDDocumentType": "CC", + "IDDocumentNumber": "901270245", + "PhoneNumber": "+573001234567" +} +``` + From 5a7c2041ea3688ca5a81dbb884b162cb2d83c759 Mon Sep 17 00:00:00 2001 From: Lewis Westwood Flood Date: Thu, 6 Aug 2026 11:37:37 +0100 Subject: [PATCH 2/3] Refactor to put supplmentary data in a table --- source/includes/_pis.md | 56 +++++++++++++++++------------------------ 1 file changed, 23 insertions(+), 33 deletions(-) diff --git a/source/includes/_pis.md b/source/includes/_pis.md index 622f860..a73550e 100644 --- a/source/includes/_pis.md +++ b/source/includes/_pis.md @@ -181,28 +181,28 @@ Note that we only support indicative exchange rates (`ExchangeRateInformation.Ra The table below outlines the currencies and supported payment rails, along with the required parameters for the `Initiation` object (`-` indicates that the parameter is not required). -| CurrencyOfTransfer | LocalInstrumentCode | CreditorAccount.SchemeName | CreditorAccount.Identification | CreditorAccount.SecondaryIdentification | CreditorAgent.SchemeName | CreditorAgent.Identification | Creditor.PostalAddress | Notes | -|--------------------|------------------------------|----------------------------|--------------------------------|-----------------------------------------|--------------------------|------------------------------|------------------------|------------------------------------------------------------------------------| -| AUD | - | `UK.OBIE.BBAN` | Account Number | - | `UK.OBIE.NCC.AU` | BSB Code | - | | -| AUD | - | `UK.MONZO.BPAY` | Biller Pay Code | Customer Reference Number | - | - | - | `Risk.BeneficiaryAccountType` must be `Business` or `BusinessSavingsAccount` | -| CAD | - | `UK.OBIE.BBAN` | Account Number | - | `UK.OBIE.NCC.CA` | 8-digit Routing Number | - | | -| CAD | - | `UK.MONZO.Interac` | Email Address | - | - | - | - | | -| CHF | - | `UK.OBIE.IBAN` | IBAN | - | `UK.OBIE.BICFI` | BIC | - | | -| COP | - | `UK.OBIE.BBAN` | Account Number | - | `UK.OBIE.BICFI` | BIC | Required | `SupplementaryData` required — see [below](#international-payment-supplementarydata) | -| EUR | `UK.OBIE.SEPACreditTransfer` | `UK.OBIE.IBAN` | IBAN | - | - | - | - | | -| EUR | `UK.OBIE.SWIFT` | `UK.OBIE.IBAN` | IBAN | - | `UK.OBIE.BICFI` | BIC | - | | -| HUF | - | `UK.OBIE.BBAN` | Account Number | - | - | - | - | | -| HUF | - | `UK.OBIE.IBAN` | IBAN | - | `UK.OBIE.BICFI` | BIC | - | | -| ILS | - | `UK.OBIE.IBAN` | IBAN | - | - | - | Required | | -| INR | - | `UK.OBIE.BBAN` | Account Number | - | `UK.OBIE.NCC.IN` | IFSC Code | - | | -| INR | - | `UK.MONZO.UPI` | UPI ID (`customername@bank`) | - | - | - | - | | -| JPY | - | `UK.OBIE.BBAN` | Account Number | Account Type | `UK.OBIE.NCC.JP` | 7-digit Zengin Code | - | Account Type must be CURRENT, SAVINGS, or CHECKING | -| NGN | - | `UK.OBIE.BBAN` | Account Number | - | `UK.OBIE.NCC.NG` | Bank Code | - | | -| NZD | - | `UK.OBIE.BBAN` | Account Number | - | - | - | - | | -| RON | - | `UK.OBIE.IBAN` | IBAN | - | `UK.OBIE.BICFI` | BIC | Required | | -| USD | `UK.MONZO.ABA` | `UK.OBIE.BBAN` | Account Number | - | `UK.OBIE.NCC.US` | ABA Routing Number | Required | | -| USD | `UK.MONZO.FEDWIRE` | `UK.OBIE.BBAN` | Account Number | - | `UK.OBIE.NCC.US` | Fedwire Routing Number | Required | | -| USD | `UK.OBIE.SWIFT` | `UK.OBIE.BBAN` | Account Number | - | `UK.OBIE.BICFI` | BIC | Required | | +| CurrencyOfTransfer | LocalInstrumentCode | CreditorAccount.SchemeName | CreditorAccount.Identification | CreditorAccount.SecondaryIdentification | CreditorAgent.SchemeName | CreditorAgent.Identification | Creditor.PostalAddress | SupplementaryData | Notes | +|---------------------|------------------------------|----------------------------|---------------------------------|------------------------------------------|---------------------------|-------------------------------|--------------------------|-----------------------------------------------------------------------|--------------------------------------------------------------------------------| +| AUD | - | `UK.OBIE.BBAN` | Account Number | - | `UK.OBIE.NCC.AU` | BSB Code | - | - | | +| AUD | - | `UK.MONZO.BPAY` | Biller Pay Code | Customer Reference Number | - | - | - | - | `Risk.BeneficiaryAccountType` must be `Business` or `BusinessSavingsAccount` | +| CAD | - | `UK.OBIE.BBAN` | Account Number | - | `UK.OBIE.NCC.CA` | 8-digit Routing Number | - | - | | +| CAD | - | `UK.MONZO.Interac` | Email Address | - | - | - | - | - | | +| CHF | - | `UK.OBIE.IBAN` | IBAN | - | `UK.OBIE.BICFI` | BIC | - | - | | +| COP | - | `UK.OBIE.BBAN` | Account Number | - | `UK.OBIE.BICFI` | BIC | Required | `IDDocumentType`, `IDDocumentNumber`, `PhoneNumber` (all required) | | +| EUR | `UK.OBIE.SEPACreditTransfer` | `UK.OBIE.IBAN` | IBAN | - | - | - | - | - | | +| EUR | `UK.OBIE.SWIFT` | `UK.OBIE.IBAN` | IBAN | - | `UK.OBIE.BICFI` | BIC | - | - | | +| HUF | - | `UK.OBIE.BBAN` | Account Number | - | - | - | - | - | | +| HUF | - | `UK.OBIE.IBAN` | IBAN | - | `UK.OBIE.BICFI` | BIC | - | - | | +| ILS | - | `UK.OBIE.IBAN` | IBAN | - | - | - | Required | - | | +| INR | - | `UK.OBIE.BBAN` | Account Number | - | `UK.OBIE.NCC.IN` | IFSC Code | - | - | | +| INR | - | `UK.MONZO.UPI` | UPI ID (`customername@bank`) | - | - | - | - | - | | +| JPY | - | `UK.OBIE.BBAN` | Account Number | Account Type | `UK.OBIE.NCC.JP` | 7-digit Zengin Code | - | - | Account Type must be CURRENT, SAVINGS, or CHECKING | +| NGN | - | `UK.OBIE.BBAN` | Account Number | - | `UK.OBIE.NCC.NG` | Bank Code | - | - | | +| NZD | - | `UK.OBIE.BBAN` | Account Number | - | - | - | - | - | | +| RON | - | `UK.OBIE.IBAN` | IBAN | - | `UK.OBIE.BICFI` | BIC | Required | - | | +| USD | `UK.MONZO.ABA` | `UK.OBIE.BBAN` | Account Number | - | `UK.OBIE.NCC.US` | ABA Routing Number | Required | - | | +| USD | `UK.MONZO.FEDWIRE` | `UK.OBIE.BBAN` | Account Number | - | `UK.OBIE.NCC.US` | Fedwire Routing Number | Required | - | | +| USD | `UK.OBIE.SWIFT` | `UK.OBIE.BBAN` | Account Number | - | `UK.OBIE.BICFI` | BIC | Required | - | | `CreditorAccount.Name` is required for all currencies. @@ -230,17 +230,7 @@ For JPY payments, the account type must be provided in `CreditorAccount.Secondar * `SAVINGS` - for Chochiku yokin * `CHECKING` - for Tōza yokin -### International Payment SupplementaryData - -Some currencies require payee details that have no dedicated field elsewhere in the `Initiation` object. These must be provided as a JSON object in `Initiation.SupplementaryData`. - -| CurrencyOfTransfer | Field | Description | Required | -|---------------------|--------------------|------------------------------------------------------------------------------|----------| -| COP | `IDDocumentType` | The payee's Colombian ID document type, e.g. `CC` for Cédula de Ciudadanía | Yes | -| COP | `IDDocumentNumber` | The payee's Colombian national ID document number | Yes | -| COP | `PhoneNumber` | The payee's phone number, in international format, e.g. `+573001234567` | Yes | - -For example, for a COP payment: +For COP payments, `Initiation.SupplementaryData` must be a JSON object containing the fields listed in the table above, for example: ```json { From c0ea71d635c3cbe11771e8c04ba267d2fa2fe5d3 Mon Sep 17 00:00:00 2001 From: Lewis Westwood Flood Date: Thu, 6 Aug 2026 11:39:00 +0100 Subject: [PATCH 3/3] Update note about account type --- source/includes/_pis.md | 5 ++++- 1 file changed, 4 insertions(+), 1 deletion(-) diff --git a/source/includes/_pis.md b/source/includes/_pis.md index a73550e..eedc713 100644 --- a/source/includes/_pis.md +++ b/source/includes/_pis.md @@ -222,7 +222,10 @@ If `Creditor.PostalAddress` is required, the following fields must be provided: * `Business` * `BusinessSavingsAccount` -For CAD, COP and USD payments, the account type (`Checking` or `Savings`) is determined based on `Risk.BeneficiaryAccountType`. +For CAD, COP and USD payments, the account type (`Checking` or `Savings`) is determined based on `Risk.BeneficiaryAccountType`: + + * `Checking` - for `Personal`, `JointPersonal`, or `Business` + * `Savings` - for `PersonalSavingsAccount` or `BusinessSavingsAccount` For JPY payments, the account type must be provided in `CreditorAccount.SecondaryIdentification` and supports the following values: