Payment Initiation Services API Overview

Base URL

The base URL for all PIS APIs is: https://rs1.openbanking.zopa.com/open-banking/v4.0/pisp/**

Supported Payment Types

The Zopa API currently only supports:

• Domestic Payments

The Zopa API does not currently support:

• Domestic Scheduled Payments
• Domestic Standing Orders
• International payments
• File & Bulk payments
• payment-details end-points

The swagger for our PIS API can be found here

Supported Parameters

The following apply to all domestic payment consents:

Amount Limits

The payment amount is set using the InstructedAmount/Amount field.

Payments have the following limits which are aligned with the limits applied in the Zopa app:

• Payments to Zopa Smart Saver or to a Verified Self Owned Account (aka Nominated Bank Account) - £250,000 daily limit
• Payments to any other account - £10,000 daily limit, £20,000 weekly limit

Zopa suggest PISPs notify the PSU that the same limits apply as in their Zopa app. It is possible from time to time that domestic-payment-consents is authorised, but the payment initiation fails due to account limits.

Currency

• InstructedAmount/Currency must be GBP

Payment References

The payment reference is specified using RemittanceInformation/Structured/CreditorReferenceInformation/Reference. This field is mandatory.

The reference must also:

• Be 18 characters or less
• Match the regex: ^[a-zA-Z0-9\\/\\-?:().,’+\\s#=!\"%&*<>;{@\\r\\n]*\$
• Not contain a PAN (a 16 digit number passing a LUHN check)

Payment requests with references which do not conform to the above will be rejected. The PISP may also opt to populate reference field on behalf of the PSU.

Local Instrument

The only LocalInstrument supported is Faster Payment scheme. This field, if specified, must have the value UK.OBIE.FPS. If anything other than this is sent by PISP in consent payload then an error will be returned.

However, this field is not mandatory so we suggest PISP simply not include this field and Zopa will stage consent as a Faster Payment.

Scheme Name

The only supported Account.SchemeName is UK.OBIE.SortCodeAccountNumber for both DebtorAccount and CreditorAccount. Any other enum provided will return error.