Funds confirmation
NextGenPSD2 XS2A FrameworkFunds confirmation (PIIS)
One call, one boolean. No amount, no balance, no history.
Why read this
Card issuers checking coverage before authorising. The narrowest scope in PSD2 and the easiest to get approved.
Samples in this flow
Try in live showcase
piiscbpiifundsberlin group
Transaction flow
TPP: ProviderASPSP: Bank
API hop Clearing hopClick a tag on an arrow (pacs.008, …) for info, usage and sample
Ask whether funds are available
API layerPOST/v1/funds-confirmations→ 200
Requires a PIIS consent established outside the API — usually at card issuance. The cardNumber is optional but most banks want it for matching.
Codes you can see here
tppaspsp
API payload· XML
Funds confirmation request
The response is {"fundsAvailable": true} and nothing else. Data minimisation is enforced by the RTS, not by preference.
<payload>
<cardNumber>525412******3241</cardNumber>
<account>
<iban>FR7630006000011234567890189</iban>
</account>
<payee>Librairie Gallimard</payee>
<instructedAmount>
<currency>EUR</currency>
<amount>84.90</amount>
</instructedAmount>
</payload>
Try it
Mock ASPSP
Substitute your own ids in the path — the mock resolves any UUID-shaped consentId and advances the SCA state machine on each call, so polling behaves the way a real ASPSP does.