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Scopes

  • Account Information 🔒
  • Payment Initiation 🔒

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Preconditions

  • Access requires active eIDAS Certificates to be uploaded to dashboard
  1. Upload your eiDAS certificates (QWAC and QSEAL) into Yapily’s certificate vault.
  2. Add N26 from the Live tab to your Yapily Console application.
  3. Add this institution into your app from the Live tab and configure the institution by selecting the certificates from the dropdown.
  4. Select your QSEAL and QWAC certificates from the relevant drop-downs lists then click Save registration to save the certificates.
See accessing the APIs for sandbox login details.

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Notes

  • N26 only support European-destined SEPA payments. International, Periodic or Scheduled payments are not available at this time.

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AIS

For the accounts flow we are using Pre-Auth Decoupled. After a call to POST Create Account Pre-authorisation Request, the Consent needs to be updated with the PUT Create Account Authorisation Request. For N26, a call to this PUT endpoint will give an authorisation status of AWAITING_DECOUPLED_AUTHORIZATION. This is to inform the TPP that the user must authenticate on their device rather than following a second redirect URL. To check on the status of this SCA, the GET Get Consent endpoint can be queried; the status will update to AUTHORIZED once the consent is approved.

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PIS

For the payments flow we are also using Pre-Auth Decoupled. After a call to POST Create Payment Pre-authorisation Request, the Consent needs to be updated with the PUT Create Payment Authorisation Request. For N26, a call to this PUT endpoint will give an authorisation status of AWAITING_DECOUPLED_AUTHORIZATION. This is to inform the TPP that the user must authenticate on their device rather than following a second redirect URL. To check on the status of this SCA, the GET Get Consent endpoint can be queried; the status will update to AUTHORIZED once the consent is approved. There are no refresh tokens allocated for PIS and each access token is tied to a single payment. This means that after access token expiry (currently 15 minutes), the payment details will not be able to be retrieved (this is a restriction from N26).

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Payments

  • SEPA Instant payment rail is supported
  • For Hosted SEPA Instant payments PSU is required to accept the T&C on the app which appear when during the first submission of a manual SEPA instant Payment
  • IBAN is required for domestic single payment Note: International, Periodic and Scheduled payments are not supported by N26 at this time

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Support

If you require technical support with certificate management, please contact Support.