Pre-authorisation 2.0 authorisation flows

Summary

Pre-authorisation 2.0 is an improved pre-authorisation flow to allow for a more flexible authorisation.

We are rolling out the ability for customers to reuse the pre-authorisation for multiple authorisation consents. This change also enables a strategic move towards common pre-authorisation between AIS and PIS where possible with the bank.

Identifying each flow

Institutions following pre-authorisation 2.0 flow will contain the following features:

  • INITIATE_ONETIME_PRE_AUTHORISATION_PAYMENTS - when pre-authorisation for payments has to be obtained separately
  • INITIATE_ONETIME_PRE_AUTHORISATION_ACCOUNTS - when pre-authorisation for account has to be obtained separately
  • INITIATE_ONETIME_PRE_AUTHORISATION - when pre-authorisation for accounts and payments can be obtained together and separately
Notes
  • Use GET Institutions to check the features to identify which flow each Institution uses

Financial data

Our old pre-authorisation AIS flow requires a new pre-authorised consent for each authorisation to access financial data.

That flow requires users to be redirected to the bank twice.

With the new AIS flow, you can obtain pre-authorised consent that can be used multiple times, therefore, you will no longer need to send your customers to the bank twice as long as full authorisation was completed before.

AIS Pre-Authorisation Flow (once per user)

Initiate the flow illustrated below to obtain pre-authorised consent that will remain valid for the expiry period of the pre-auth consent.

Authorisation_Flows-ais-pre-auth1

AIS Authorisation Flow

If you already have a pre-authorised consent from the user, you can skip the pre-auth step and create account authorisation by following the diagram below.

Authorisation_Flows-ais-auth1

Payments

PIS Pre-Authorisation Flow (once per user)

Initiate the flow ilustrated below to obtain pre-authorised consent that will remain valid for the expiry period of the pre-auth consent.

Authorisation_Flows-pis-pre-auth

PIS Authorisation Flow

If you already have a pre-authorised consent from the user, you can skip the pre-auth step and create payment authorisation by following the diagram below.

Authorisation_Flows-pis-auth