A Third-Party Provider(TPP), is an authorized third-party that allows merchants to accept a wide variety of payments through a single channel/third-party application, and manage the entire payment flow from start to finish. For more information on the role, see .
The TPP needs to register its Payment Initiation Service Provider (PISP) application in WSO2 API store in order to access the data.
Click here to see how it is done...
Navigate to the API Store at https://<WSO2_OB_APIM_HOST>:9443/store
Select Sign-up that is on the top left corner of the homepage.
Provide the requested details on the Sign Up page.
Click here for more information..
a. Generic details:
Field
Description
Username/Email
The username/email that the TPP uses to sign in to the API Store.
Password
The password that the TPP uses to sign in to the API Store.
Retype Password
This is to prevent the TPP from accidentally setting an incorrect password.
Last Name
This is the last name of the TPP.
First Name
This is the first name of the TPP.
b. Company details:
Field
Description
Legal Entity Name
The official name of the TPP.
Country of Registration
The country in which the TPP is registered.
Legal Identifier Number (LEI)
This identifies the TPP.
Company Register
The organization that registered the TPP.
Company Registration Number
Identifier issued at the TPP registration.
Address Line 1
Address of the TPP.
Address Line 2
Address of the TPP.
City
City in which the TPP is located.
Postal Code
Postal code of the geographical location of the TPP.
Country
The country in which the TPP is located.
c. Competent authority registration details:
Field
Description
Competent Authority
The regulatory body that authorises and supervises the open banking services delivered by the TPP.
Competent Authority Country
Country of the competent authority that authorised the TPP to provide open banking services.
Competent Authority Registration Number
The registration number issued by the Competent Authority to the TPP.
URL of the Competent Authority Register Page
URL of the page that has the list of organizations authorised by the competent authority.
Open Banking Roles
Captures the open banking roles the TPP is willing to take up:
Account Information Service Provider: An Account Information Service Provider (AISP) provides an aggregated view of all the accounts and past transactions that a customer has with different banks. To provide this view to the customer, the AISP should have authorisation from the customer to view the corresponding transaction and balance information of all the payment accounts. The AISPs can also provide the facility to analyze the customer's spending patterns, expenses, and financial needs. Unlike a PISP, an AISP cannot transfer funds from a payment account.
Payment Initiation Service Provider: A Payment Initiation Service Provider (PISP) initiates credit transfers on behalf of a bank's customer.
After selecting PISP, indicate whether the TPP is authorised by a competent authority to provide the services of the selected roles.
If the TPP is not yet registered to provide the services of the selected roles, indicate whether the TPP has applied for registration or not.
Read terms and conditions. Click the checkbox to agree to the terms and conditions.
Click Sign Up. A request to approve the TPP sign up is now sent to the Approver users.
Step 2 - Approve the TPP
Now that you have signed up as a TPP, an admin who overlooks all TPP sign-up forms must approve it.
It is not mandatory to include the approval step for approving the TPP. In order to add this step, you need to configure workflows in the WSO2 Open Banking solution.
Click here to see how it is done...
Sign in to the WSO2 Open Banking API Manager Admin portal as an Approver at https://<WSO2_OB_APIM_HOST>:9443/admin
Locate the approval request and click Assign To Me.
Click Start to start the approval process.
Select Approve then Complete.
Now the TPP can sign in to the API store.
Step 3 - Sign in to the API store as the TPP
Users can sign in to the API store and proceed with the steps mentioned below.
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Sign in to the API Store as the TPP at https://<WSO2_OB_APIM_HOST>:9443/store
Click Sign In and navigate to the Sign In page.
Enter the username and the password you entered when signing up as a TPP.
Click Sign In.
The homepage of the API store is now displayed along with the APIs.
Step 4 - Create an application
The TPP with a PISP application needs to create an application using WSO2 API store. The application created via WSO2 API store allows to observe statistics of APIs, subscribe to APIs, and access the subscribed APIs.
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Go to the Applications tab in the API Store.
Click Add Application.
Enter application details.
Field
Description
Name
Application name.
Per Token Quota
Determines the maximum number of API requests accepted within a given duration.
Description
This describes the purpose of the application.
Click Add.
An application can be used to subscribe to multiple APIs. See for the instructions.
Step 5 - Subscribe to API
The TPP user needs to subscribe to the PaymentInitiationAPI - v3.1 API in order to access API resources. Once subscribed, the users can access all the supported services of the API resources.
Click here to see how it is done...
Go to theAPIs tab in the API Store.
Select the API.
Select the application you created in theCreatean application section.
Set the throttling policy to Unlimited.
Click Subscribe.
Now that you have subscribed to the API, generate access tokens and invoke the API.
Step 6 - Create and upload certificates
The TPP user needs to create certificates to validate whether the TPP is registered in a governing entity. It is verified in the TPP Onboarding process. For example, in Dynamic Client Registration, the TPP is dynamically registered with ASPSPs when the client sends a registration request with its metadata. Therefore, the ASPSP is required to upload the root and issuer certificates obtained from Open Banking Implementation Entity. For more information, see .
You can also create a self-signed certificate the following instructions given below and try out the API flow:
When you are using self-signed certificates, make sure to disable the certificate revocation validation:
Open the <WSO2_OB_KM_HOME>/repository/conf/finance/open-banking.xml file
Navigate to the certificate revocation validation configuration and disable it as follows:
Click here to see a self-signed certificate is created...
In order to use self-signed certificates as mentioned in the below steps, disable the <CertificateRevocationValidationEnabled> configuration under <CertificateManagement> in the <WSO2_OB_KM_HOME>/repository/conf/finance/open-banking.xml and <WSO2_OB_APIM_HOME>/repository/conf/finance/open-banking.xml files.
A keystore file is used to store the trusted certificates of the TPP in the WSO2 Open Banking solution. Use the commands given below in a command-line interface in order to create a keystore file as a TPP.
Make sure to update the following placeholders:
<alias>
A preferred alias for the keystore file.
<filename>
A preferred name for the keystore file.
During the command execution, the TPP user requires to;
sourcekeystorePSSet a password for the keystore.
Provide information, acquired when registering with a governing entity.
Set a password for user-defined alias (<alias>).
Convert the keystore from the .jks format to .PKCS12. Make sure to update the following placeholders:
<keyStoreName>
This is the name of the <filename>, given above.
<PKCS12FileName>
This is the name of the keystore in the .PKCS12 format.
During the command execution, the TPP user requires to;
Set a password for the destination keystore.
Enter the source keystore password, as defined in the above step.
Create the application certificate (.pem) file in the PKCS12 format using the keystore. e.g: tpp.p12.
Make sure to update the following placeholders:
<PKCS12FileName>
This is the name of the keystore in the PKCS12 format, as mentioned above for the <PKCS12FileName>.
<PEMFileName>
This is the name of the application certificate that is created in the .pem format.
During the command execution, the TPP user requires to;
Set a password to import the .pem file.
Once you create a self-signed certificate, upload it to the client trust stores of WSO2 OB APIM and WSO2 OB KM.
Locate the client trust stores in WSO2 OB APIM and WSO2 OB KM in the following directory paths:
Use the following command to upload the self-signed certificate:
Step 7 - Generate keys
The TPP user requires a Client ID(Consumer Key) and a Client Secret(Consumer Secret) to access the subscribed APIs.
Click here to see how it is done...
Sign in to the API store as a TPP user and click either of the following on the Applications tab.
Production Keys: Generates access tokens in the production environment.
Sandbox Keys: Generates access tokens in the sandbox environment.
Provide the requested information as defined below:
Field
Description
Grant Types
These determine the credentials that are used to generate the access token.
Refresh Token: This is to renew an expired access token.
Client Credential: This relates to the client credentials grant type and is applicable when consuming the API as an application.
Code: This relates to the authorisation code grant type and is applicable when consuming the API as a user.
Client ID
OrganizationIdentifier as provided in the EIDAS certificate. The organizationIdentifier attribute contains information using the following structure in the presented order:
PSD as the 3-character legal person identity type reference;
2-character ISO 3166 country code representing the NCA country;
hyphen-minus (-)
2-8 character NCA identifier (A-Z upper case only, no separator)
hyphen-minus (-)
PSP (Payment Service Provider) identifier (authorisation number as specified by NCA)
Callback URL
This is the URL used by the Account Information Service Provider (AISP) / Payment Initiation Service Provider (PISP) to receive the authorisation code sent from the Account Servicing Payment Service Provider (ASPSP), e.g: bank. The authorisation code can be used later to generate an OAuth2 access token.
Application Certificate
This is the content between the BEGIN CERTIFICATE and END CERTIFICATE strings of the application certificate (.PEM) that you created above.
Click Request Access if you are generating production keys. If workflows are configured in the solution, it sends a request to Approver user to approve the token generation. Otherwise, it generates consumer key and consumer secret.
Click Generate Keys if you are generating sandbox keys. It generates consumer key and consumer secret.
Step 8 - Approve Production Key generation
This step includes instructions to an Approver user to review and approve a request to generate production keys for an application.
It is not mandatory to include the approval step for the Production Key generation. In order to add this step, you need to configure workflows in the WSO2 Open Banking solution.
Click here to see how it is done...
Sign in to the WSO2 Open Banking API Manager Admin portal as an Approver at https://<WSO2_OB_APIM_HOST>:9443/admin.
Click Tasks and then Application Registration.
Locate the approval request and click Assign To Me.
Click Start to start the approval process.
Select Approve and then click Complete.
Navigate back to the API Store and click Applications.
On the Applications tab in the API Store, click Viewof the application that you created.
Click Production Keys tab to find the generated keys.
It includes the consumer key and consumer secret as follows:
Step 9 - Generate application access token
When invoking APIs in the payment flow, application access tokens must be generated using the client credential grant type. The generated application access token is used to invoke the PaymentInitiationAPI - v3.1 API.
Click here to see how it is done...
You can skip the above steps and use to dynamically register the clients.
Once the client is successfully registered, sign in to the and go to the Applications tab.
Select your client application from the Application List. Click View of the application that you created.
Choose the Production Keys or Sandbox Keys tab based on your environment.
The Consumer Key shown above is the client ID of your application.
Generate the client assertion by signing the following JSON payload using the supported algorithms.
client_assertion formatsample client_assertion
The value of the aud claim should contain the same value as the Identity Provider Entity ID.
Click here to view the Identity Provider Entity ID:
In the Main menu, go to Home > Identity > Identity Providers > Resident.
View the value in Resident Identity Provider > Inbound Authentication Configuration >OAuth2/OpenID Connect Configuration > Identity Provider Entity ID. By default this value is set to https://localhost:8243/token.
Run the following cURL command in a command prompt to generate the access token. Update the placeholders with the relevant values.
applicatinAccesstokenINLINE
The access token is now generated.
You can use the same cURL command to regenerate the access token.