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Add COP intl payments to Open Banking docs #229

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2a8c3c3
Add COP intl payments to Open Banking
lewis-wf Aug 6, 2026
5a7c204
Refactor to put supplmentary data in a table
lewis-wf Aug 6, 2026
c0ea71d
Update note about account type
lewis-wf Aug 6, 2026
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58 changes: 36 additions & 22 deletions source/includes/_pis.md
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Expand Up @@ -181,27 +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 | - | |
| 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.

Expand All @@ -221,14 +222,27 @@ 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`:

* `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:

* `CURRENT` - for Futsū yokin
* `SAVINGS` - for Chochiku yokin
* `CHECKING` - for Tōza yokin

For COP payments, `Initiation.SupplementaryData` must be a JSON object containing the fields listed in the table above, for example:

```json
{
"IDDocumentType": "CC",
"IDDocumentNumber": "901270245",
"PhoneNumber": "+573001234567"
}
```

<aside class="notice">
If there are insufficient funds in the account, authorisation will fail and an error will be returned on redirection with the code `access_denied` and `error_description` being "Insufficient funds in selected account to make requested payment."
</aside>
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