PayEx Developer Portal - ../credit-account

Integrate to PayEx Credit Account API

Todo: Saknar operation för att hitta konton som tillhör en person/ett personnummer

Accounts

The accounts resource located under ledger/credit-account/v1/ api. The accounts- and its sub-resources are used to created, read and modify information related to a credit-account.

Requesting details of a specific account

Request

GET /ledger/credit-account/v1/XXX/accounts/YYY HTTP/1.1
Host: -
Authorization: Bearer <Token>
Content-Type: application/json

Response

HTTP/1.1 200 OK
Content-Type: application/json

{
   "@id": "/ledger/credit-account/v1/501/accounts/1234567",
   "accountNo": "1234567",
   "startDate": "2018-05-21",
   "description": null,
   "accountProfileType": "accountType1 | accountType2 | accountType3 etc.",
   "accountAlias" : "accountAlias1 | accountAlias2 etc.",
   "customerNo" : "123789654",
   "status" : "open | pending-close | closed",
   "creditLimit": 2000.00,
   "totalBalance" : -1900.0,
   "reservedAmount": 50.0,
   "availableAmount": 50.0,
   "openBill" : "/ledger/credit-account/v1/501/accounts/123456/bills/456",
   "charityDonation": true,
   "interestRate": {
       "debtInterest" : 10.00,
       "penaltyInterest": 15.00
    },
   "bankPayment": {
       "bankAccountNo": "123",
       "bankAccountType": "BGSE",
       "bic": "123456",
       "iban": "SE12345678945631",
       "paymentReference": "54867165675646"
    },
   "activePaymentOrders": "/ledger/credit-account/v1/501/accounts/123456/active-payment-orders",
   "recurringPaymentConsent": "/ledger/credit-account/v1/501/accounts/123456/recurring-payment",
   "cards": "/ledger/credit-account/v1/501/accounts/123456/cards",
   "transactions": "/ledger/credit-account/v1/501/accounts/123456/transactions",
   "currency": "sek",
   "bills": "/ledger/credit-account/v1/501/accounts/123456/bills",
   "customer": "/ledger/customers/v1/501/customer/123456",
   "operation" : [
        {
           "rel" : "add-card-info",
           "method" : "post",
           "href" : "/ledger/credit-account/v1/501/accounts/123456/cards"
        },
        {
           "rel" : "request-close-account",
           "method" : "post",
           "href" : "/ledger/credit-account/v1/501/accounts/123456/request-close-account"
        },
        {
           "rel" : "apply-for-raised-credit-limit",
           "method" : "post",
           "href" : "/ledger/credit-account-onboardings/v1/501/accounts/123456/apply-for-raised-credit-limit"
        },
        {
           "rel" : "partial-update",
           "method" : "patch",
           "href" : "/ledger/credit-account-onboardings/v1/501/accounts/123456"
        }
    ]
}

Resource properties

Property	Data type	Format	Description
@id	string	Maxlength:	Uri of the specific account
accountNo	string	Maxlength: 50	The identifier of the account
startDate	date	ISO 8601	Date when the account was started
description	string	Maxlength: 200	A description of the type of account
accountProfileType	string	Maxlength: 50	The defined code of the accounttype, Examples: kontodebet, kontokredit, kontofaktura
accountAlias	string	Maxlength: 50	A descriptive name for the account type, Examples: kontokredit1, matkonto1
customerNo	string	Maxlength: 50	Identifier of the customer (account owner)
status	string	Maxlength: 25	Status of the account pending-close: the customer has requested the account to be closed, the account will be closed when possible. open: the account is open and active closed: the account has been closed
creditLimit	decimal		The creditlimit of the account, support patch operation but only lower
totalBalance	decimal		Total current sum of all balances (including capital / interest / fees, etc.)
reservedAmount	decimal		Sum of all outstanding reservations (which are valid and not captured)
availableAmount	decimal		Available credit (cannot be calculated from the above amounts as fees can be included there, which does not affect available credit)
openBill.amountToPay	decimal		The minimum amount to pay on the currently open bill
openBill.bill	string	Uri
openBill.dueDate	date	ISO 8601
openBill.billType	string	Maxlength: 25	BillTypes: Bill Reminder1 Reminder2 Collection
charityDonation	bool		If donations should be made from the account
interestRate.debtInterest	decimal	Percentage	yearly debt interestrate
interestRate.penaltyInterest	decimal	Percentage	yearly penalty interestrate
offer	string	Uri
recurringPaymentConsent	string	Uri
cards	string	Uri
transactions	string	Uri
currency	string	ISO 4217
bills	string	Uri
customer	string	Uri
activePaymentOrder.paymentMethod	string	Maxlength: 15	PaymentTypes: AUTOGIRO
activePaymentOrder.executionDate	date	ISO 8601	Date when the paymentorder will be executed (when end-customer will be debited)
activePaymentOrder.amount	decimal		Amount that will be charged, this amount may be adjusted when the payment order is executed, if the "amount to pay" on the bill has decreased

Bills

The bills resources contains all the documents produced in the accounts billing cycle.

Requesting list of bills belonging to a specific account

Request

GET /ledger/credit-account/v1/XXX/accounts/123/bills HTTP/1.1
Host: -
Authorization: Bearer <Token>
Content-Type: application/json

Response

HTTP/1.1 200 OK
Content-Type: application/json

{
   "@id": "/ledger/credit-account/v1/501/accounts/123456/bills?status=open",
   "items" : [
        {
           "@id": "/ledger/credit-account/v1/501/accounts/123456/bills/reminder-123645",
           "dueDate": "2018-12-05",
           "billDate": "2018-11-15",
           "billNo": "124645",
           "billAmount": 240.00,
           "billType" : "reminder",
           "status": "open",
           "activePaymentDetails": {
               "minimumAmountToBePayed": 240.00,
               "bankAccountNo": "123",
               "bankAccountType": "BGSE",
               "bic": "123456",
               "iban": "SE12345678945631",
               "paymentReference": "5465164654663",
               "paymentOrdersExists": true,
            },
           "document": "/ledger/credit-account/v1/501/accounts/123456/bills/reminder-124645/document"
        },
        {
           "@id": "/ledger/credit-account/v1/501/accounts/123456/bills/reminder-123645",
           "dueDate": "2018-12-05",
           "billDate": "2018-11-15",
           "billNo": "124645",
           "billAmount": 240.00,
           "billType" : "bill",
           "status": "closed",
           "activePaymentDetails": null,
           "document": "/ledger/credit-account/v1/501/accounts/123456/bills/reminder-124645/document"
        },
        {
           "@id": "/ledger/credit-account/v1/501/accounts/123456/bills/bill-123645",
           "dueDate": "2018-12-05",
           "billDate": "2018-11-15",
           "billNo": "124645",
           "billAmount": 240.00,
           "billType" : "bill",
           "status": "closed",
           "activePaymentDetails": null,
           "document": "/ledger/credit-account/v1/501/accounts/123456/bills/reminder-124645/document"
        }
    ]
}

Requesting details of a specific bill

Request

GET /ledger/credit-account/v1/XXX/accounts/123/bills/456 HTTP/1.1
Host: -
Authorization: Bearer <Token>
Content-Type: application/json

Response

HTTP/1.1 200 OK
Content-Type: application/json

{
   "@id": "/ledger/credit-account/v1/501/accounts/123456/bills/reminder-123645",
   "dueDate": "2018-12-05",
   "billDate": "2018-11-15",
   "billNo": "124645",
   "billAmount": 240.00,
   "billType" : "reminder",
   "status": "open",
   "activePaymentDetails": {
       "minimumAmountToBePayed": 240.00,
       "bankAccountNo": "123",
       "bankAccountType": "BGSE",
       "bic": "123456",
       "iban": "SE12345678945631",
       "paymentReference": "5465164654663",
       "paymentOrdersExists": true,
    },
   "document": "/ledger/credit-account/v1/501/accounts/123456/bills/reminder-124645/document"
}

Property	Data type	Format	Description
@id	string	Uri
dueDate	date	ISO 8601
billDate	date
billNo	string	Maxlength: 50	The identifier of the bill
billAmount	decimal		the amount that is stated on the actual bill/document
billType	string	Maxlength: 25	BillTypes: Bill Reminder1 Reminder2 Collection
status	string		"open" / "closed"
activePaymentDetails	object		only set if status of bill is "open"
activePaymentDetails.minimumAmountToBePayed	decimal
activePaymentDetails.bankAccountNo	string	Maxlength: 15
activePaymentDetails.bankAccountType	string	Maxlength: 10	BankAccountTypes: BKSE (swedish bankaccount) PKSE (swedish plusgiro) BGSE (swedish bankgiro) PGSE (swedish plusgiro OCR)
activePaymentDetails.bic	string	Maxlength: 11
activePaymentDetails.iban	string	Maxlength: 34
activePaymentDetails.paymentReference	string	Maxlength: 50
activePaymentDetails.paymentOrdersExists	bool
activePaymentOrder.paymentMethod	string	Maxlength: 15	PaymentTypes: AUTOGIRO
activePaymentOrder.executionDate	date	ISO 8601	Date when the paymentorder will be executed (when end-customer will be debited)
activePaymentOrder.amount	decimal		Amount that will be charged, this amount may be adjusted when the payment order is executed, if the "amount to pay" on the bill has decreased
pdf	string	Url	Url to download pdf

Request

POST /ledger/credit-account/v1/XXX/accounts/123/recurring-payment-consent HTTP/1.1
Host: -
Authorization: Bearer <Token>
Content-Type: application/json

Response

HTTP/1.1 200 OK
Content-Type: application/json

{
   "@id" : "/ledger/credit-account/v1/501/accounts/123456/recurring-payment-consent",
   "recurringPaymentMethod" : "autogiro",
   "recurringPaymentScope" : "fixedRecurring | totalDebt | billedAmount | onDemand",
   "fixedRecurringAmount" : 1500.00,
   "parentHREF": "/ledger/credit-account/v1/501/accounts/123456"
}

Property	Data type	Format	Modify (patch)	Description
directDebitType	string			DirectDebitType: fixedRecurring (Fixed amount to debit each month) totalDebt (Total credit-account debt will be debited) billedAmount (Only the minimum amount to pay will be debited)
fixedRecurringAmount	decimal			amount to monthly debit end-customers bankaccount (Only valid if directDebitType is fixedRecurring)

Cards

List cards

Request

POST /ledger/credit-account/v1/XXX/accounts/123/cards HTTP/1.1
Host: -
Authorization: Bearer <Token>
Content-Type: application/json

Response

HTTP/1.1 200 OK
Content-Type: application/json

{
   "cards" : [
        {"PanTrunc" : "85479**********648", "@id" : "/ledger/credit-account/v1/501/accounts/123456/cards/741"},
        {"PanTrunc" : "12345**********456", "@id" : "/ledger/credit-account/v1/501/accounts/123456/cards/742"}
    ]
}

Request

POST /ledger/credit-account/v1/XXX/accounts/123/cards/456 HTTP/1.1
Host: -
Authorization: Bearer <Token>
Content-Type: application/json

Get

Response

HTTP/1.1 201 Created
Content-Type: application/json

{
   "token": "954c8699-b38f-47a2-b568-668b8837dad8",
   "PanTrunc": "85479*********648",
   "deleted" : false,
   "mainCard": true,
   "cardHolder" : {
       "number" : "123465",
       "name": "test testsson",
       "nationalConsumerIdentifier": {
           "value": "19101010-1010",
           "countryCode": "SE"
        }
    },
   "@id": "/ledger/credit-account/v1/501/accounts/123456/cards/741",
   "parentHREF": "/ledger/credit-account/v1/501/accounts/123456",
   "operation" : [
        {
           "rel" : "partial-update",
           "method" : "patch",
           "href" : "/ledger/credit-account/v1/501/accounts/123456/cards/741"
        }
    ]
}

Property	Data type	Format	Description
token	string		token identifier of the card
panTrunc	string		truncated PAN
deleted	bool		indicates wheter the card has been deleter
mainCard	bool		indicated whether this card is the main card of the account (cardholder is always owner of account)
cardHolder.number	string		Cardholder customernumber
cardHolder.name	string		Cardholder fullname
cardHolder.nationalConsumerIdentifier.value	string	YYYYMMDD-NNNC
cardHolder.nationalConsumerIdentifier.countryCode	string	ISO 3166-1 alpha-2

Transactions

Request

POST /ledger/credit-account/v1/XXX/accounts/123/transactions HTTP/1.1
Host: -
Authorization: Bearer <Token>
Content-Type: application/json

Response

HTTP/1.1 201 Created
Content-Type: application/json

{
   "operations": null,
   "items": [
        {
           "type": "payment",
           "description": "",
           "amount": 200.00,
           "billed": false|true,
           "date": "2019-10-09",
           "reserveDate": null
        },
        {
           "type": "purchase",
           "description": "testbutiken, köpref. 12345689",
           "amount": 200.00,
           "billed": false|true,
           "date": "2019-10-09",
           "reserveDate": "2019-10-05",
        },
        {
           "type": "credit",
           "description": "",
           "amount": 200.00,
           "billed": false|true,
           "date": "2019-10-09",
           "reserveDate": "2019-10-05"
        }
    ],
   "@id": "/ledger/credit-account/v1/501/accounts/123456/transactions?fromDate=2019-10-01",
   "view": {
       "@id": "/ledger/credit-account/v1/501/accounts/123456/transactions?fromDate=2019-10-01&$top=2&$skip=0",
       "next": "/ledger/credit-account/v1/501/accounts/123456/transactions?fromDate=2019-10-01&$top=2&$skip=2"
    }
}

Property	Data type	Description
type	string	(transactionTypeGroup)
description	string
amount	decimal
billed	bool	Indicates wheter a bill has been created after the transaction (ie. if the transaction is included in any bill or not)
date	date	INTERN KOMMENTAR - Valuedate

Reservations

Request

POST /ledger/credit-account/v1/XXX/accounts/123/reservations HTTP/1.1
Host: -
Authorization: Bearer <Token>
Content-Type: application/json

Response

HTTP/1.1 201 Created
Content-Type: application/json

{
   "operations": null,
   "items": [
        {
           "amount": 200.00,
           "description" : "",
           "date": "2019-10-05",
        },
        {
           "amount": 450.00,
           "description" : "",
           "date": "2019-10-02",
        },
    ],
   "@id": "/ledger/credit-account/v1/501/accounts/123456/reservations",
}

Property	Data type	Format	Description
amount	decimal
description	string
date	date

Problems

If an error occur or any validation failed, a "problem" response will be returned.
Below is a list of problems that can occur:

HttpStatus 401 Unauthorized

Token expired
Token invalid
SellerNumber does not match token
CompanyNumber does not match token

HttpStatus 400 Error

Validation: Argument required
Validation: Invalid value

HttpStatus 422 Unprocessable entity

Authorization declined

HttpStatus 409 Conflict

Invoice already authorized
Duplicate InvoiceNumber
Authorization is cancelled
Authorization already captured
Authorization has expired
Insufficient debited amount XXX

HttpStatus 501 NotImplemented

CompanyNumber XXX not configured
SellerNumber XXX not configured at PayEx
CompanyNumber XXX missing configuration

HttpStatus 404 NotFound

Authorization not found

Below is an example of a problem that will be returned if buyer.nationalConsumerIdentifier.value is not valid in the authorization post request.

Response

HTTP/1.1 400 Error
Content-Type: application/problem+json

{
   "Type": "http://[DNS]/ledger/invoice-purchase/problems/validation",
   "Title": "A validation error occurred",
   "Status": 400,
   "Instance": null,
   "Detail": "A validation error occurred. Please fix the problems mentioned in the 'problems' property below.",
   "Problems": [
        {
           "buyer.nationalConsumerIdentifier.value": "Not a valid SE nationalConsumerIdentifier"
        }
    ]
}

credit-account

../credit-account

Accounts

Requesting details of a specific account

Bills

Requesting list of bills belonging to a specific account

Requesting details of a specific bill

Cards

Get

Transactions

Reservations

Applications

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