Happy
Check funds before pay
PIIS boolean: enough money on the account?
Shop
Atelier
Processing
Checkout asks the bank: enough funds?
Beat · bg-funds-confirmation · 1
What is happening
Ask whether funds are available
Requires a PIIS consent established outside the API — usually at card issuance. The cardNumber is optional but most banks want it for matching.
PISP A2AWhich rules? — PISP A2A (TrueLayer)Which system? — TIPS
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.