PSU Identifiers - Yapily Docs

As part of the SCA process in authorising any request for user’s financial data or to initiate a payment on their behalf, some institutions require extra information in the form of PSU values in order to successfully authorise the request. The endpoints which may require these identifiers are all of the Authorisations endpoints. For each of these requests, the values psu-id, psu-corporate-id and psu-ip-address will be required in the following cases for the following institutions:

Institutions

BANK	PSU-ID	PSU-CORPORATE-ID	PSU-IP-ADDRESS
Alpenbank	Mandatory	-	-
Cassa Centrale Raiffeisen Dell Alto Adige	Mandatory	-	-
Cassa Raiffeisen Alta Pusteria	Mandatory	-	-
Cassa Raiffeisen Alta Venosta	Mandatory	-	-
Cassa Raiffeisen Bassa Atesina	Mandatory	-	-
Cassa Raiffeisen Bassa Vall Isarco	Mandatory	-	-
Cassa Raiffeisen Bassa Venosta	Mandatory	-	-
Cassa Raiffeisen Campo Di Trens	Mandatory	-	-
Cassa Raiffeisen Castelrotto-Ortisei	Mandatory	-	-
Cassa Raiffeisen Della Val Passiria	Mandatory	-	-
Cassa Raiffeisen Della Valle Isarco	Mandatory	-	-
Cassa Raiffeisen Di Brunico	Mandatory	-	-
Cassa Raiffeisen Di Dobbiaco	Mandatory	-	-
Cassa Raiffeisen Di Funes	Mandatory	-	-
Cassa Raiffeisen Di Lagundo	Mandatory	-	-
Cassa Raiffeisen Di Lasa	Mandatory	-	-
Cassa Raiffeisen Di Marlengo	Mandatory	-	-
Cassa Raiffeisen Di Merano	Mandatory	-	-
Cassa Raiffeisen Di Nova Ponente Aldino	Mandatory	-	-
Cassa Raiffeisen Di Parcines	Mandatory	-	-
Cassa Raiffeisen Di Scena	Mandatory	-	-
Cassa Raiffeisen Di Tesimo	Mandatory	-	-
Cassa Raiffeisen Di Villabassa	Mandatory	-	-
Cassa Raiffeisen Etschtal	Mandatory	-	-
Cassa Raiffeisen Gherdeina	Mandatory	-	-
Cassa Raiffeisen Laces	Mandatory	-	-
Cassa Raiffeisen Lana	Mandatory	-	-
Cassa Raiffeisen Monguelfo-Casiestesido	Mandatory	-	-
Cassa Raiffeisen Oltradige	Mandatory	-	-
Cassa Raiffeisen Prato-Tubre	Mandatory	-	-
Cassa Raiffeisen Schlern-Rosengarten	Mandatory	-	-
Cassa Raiffeisen Silandro	Mandatory	-	-
Cassa Raiffeisen Tirolo	Mandatory	-	-
Cassa Raiffeisen Tures-Aurina	Mandatory	-	-
Cassa Raiffeisen Ultimo S.Pancrazio-Lauregno	Mandatory	-	-
Cassa Raiffeisen Val Badia	Mandatory	-	-
Cassa Raiffeisen Val Sarentino	Mandatory	-	-
Cassa Raiffeisen Vandoies	Mandatory	-	-
Cassa Raiffeisen Wipptal	Mandatory	-	-
Cassa Rurale Di Bolzano	Mandatory	-	-
Cassa Rurale Di Salorno	Mandatory	-	-
Deutsche Bank	Mandatory	-	-
DNB	Mandatory	-	-
Handelsbanken Business	-	Mandatory	-
Intesa Sanpaolo S.p.A	-	-	Mandatory
Noris Bank	Mandatory	-	-
Postbank	Mandatory	-	-
Raiffeisen Bank Croatia	Mandatory	-	-
Raiffeisen Landesbank / Casa Centrale Raiffeisen dell Alto Adige	Mandatory	-	-
SMBC	Mandatory	-	-
Solaris	-	-	Mandatory
Clanq	-	-	Mandatory
Grover	-	-	Mandatory
Helios	-	-	Mandatory
Kontist	-	-	Mandatory
Tomorrow Bank	-	-	Mandatory
Woolsocks France	-	-	Mandatory
Woolsocks Germany	-	-	Mandatory
Woolsocks Ireland	-	-	Mandatory
Woolsocks Italy	-	-	Mandatory
Woolsocks Spain	-	-	Mandatory

Otherwise, for all other institutions, you will not be required to specify any of these PSU values.

In order to accommodate for the listed institutions that require psu values, you will need to build your front-end applications to accept these extra fields from your customers before executing any of the authorisation requests.

PSU-ID and PSU-CORPORATE-ID

The PSU-ID and the PSU-CORPORATE-ID serve the same purpose, the PSU-ID is used for personal accounts and the PSU-CORPORATE-ID is used for business and corporate accounts. The banks might use different format in creating these identifiers, below is a list of them per each bank/group.

Italian Raiffeisen institutions

These being Alpenbank plus all of the Cassa Centrale and Cassa Raiffeisen institutions listed above. Client ID of the PSU in the ASPSP’s (bank) client interface. The user should be familiar with this ID and should follow a similar format to the following: XXXXXXXXX. A valid PSU-ID must be entered.

DNB

PSU-ID for retail users is their Social security number (SSN), while for corporate users it is their TX-ident. TX-ident is the DNB specific ID for corporate users, which consists of a total of 7 characters, where the first 2 are letters and the remaining 5 are digits. The TX-ident is provided by DNB to the corporate user when becoming a corporate client.

Raiffeisen Bank Croatia

You will need to request a National Personal Identification Number (OIB), that is a permanent national identification of every Croatian citizen and legal persons domiciled in the Republic of Croatia.

Deutsche bank and Noris bank

The Deutsche bank and the Noris bank are composing the PSU-ID with the format ‘branch number’ + ‘account number’, where:

Branch number - 3 digits
Account number - 7 digits

curl -L -X POST 'https://api.yapily.com/account-auth-requests' \
-H 'Content-Type: application/json' \
-H 'psu-id: 6154033403' \
-u 'APPLICATION_KEY:APPLICATION_SECRET' \
-d '{
    "applicationUserId": "{user-reference}",
    "institutionId": "deutschebank-sandbox",
    "callback": "https://display-parameters.com/"
}'

Postbank

Postbank requires an alphanumeric PSU ID.

SMBC

The PSU-ID is the username used to sign in to the bank portal.

Handelsbanken Business UK

If PSU-CORPORATE-ID is left blank, the bank will use the default value UNKNOWN that is identified as an Individual customer and if they aren’t (because they only have access to Corporate accounts), then the signing will return an error.

PSU-IP-ADDRESS

The PSU-IP-ADDRESS is another personal identifier required by certain banks. You will need to capture the ip address of a PSU (payment service user) that is following this format:

curl -L -X POST 'https://api.yapily.com/account-auth-requests' \
-H 'Content-Type: application/json' \
-H 'psu-ip-address: 35.189.94.5' \
-u 'APPLICATION_KEY:APPLICATION_SECRET' \
-d '{
    "applicationUserId": "{user-reference}",
    "institutionId": "solaris-sandbox",
    "callback": "https://display-parameters.com/"
}'

​Institutions

​PSU-ID and PSU-CORPORATE-ID

​Italian Raiffeisen institutions

​DNB

​Raiffeisen Bank Croatia

​Deutsche bank and Noris bank

​Postbank

​SMBC

​Handelsbanken Business UK

​PSU-IP-ADDRESS

Institutions

PSU-ID and PSU-CORPORATE-ID

Italian Raiffeisen institutions

DNB

Raiffeisen Bank Croatia

Deutsche bank and Noris bank

Postbank

SMBC

Handelsbanken Business UK

PSU-IP-ADDRESS