> ## Documentation Index > Fetch the complete documentation index at: https://docs.yapily.com/llms.txt > Use this file to discover all available pages before exploring further. # PSU Identifiers > Learn how to use PSU identifiers with the Yapily API to improve user experience and institution compatibility during open banking authorisation consent flows. 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](/api-reference/authorisations/create-account-authorisation) 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 ```shell theme={null} 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: ```shell theme={null} 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/" }' ```