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As part of the SCA process in authorising any request for user’s financial data or to initiate a payment on their behalf, some institutions require extra information in the form of PSU values in order to successfully authorise the request. The endpoints which may require these identifiers are all of the Authorisations endpoints. For each of these requests, the values psu-id, psu-corporate-id and psu-ip-address will be required in the following cases for the following institutions:

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Institutions

BANKPSU-IDPSU-CORPORATE-IDPSU-IP-ADDRESS
AlpenbankMandatory--
Cassa Centrale Raiffeisen Dell Alto AdigeMandatory--
Cassa Raiffeisen Alta PusteriaMandatory--
Cassa Raiffeisen Alta VenostaMandatory--
Cassa Raiffeisen Bassa AtesinaMandatory--
Cassa Raiffeisen Bassa Vall IsarcoMandatory--
Cassa Raiffeisen Bassa VenostaMandatory--
Cassa Raiffeisen Campo Di TrensMandatory--
Cassa Raiffeisen Castelrotto-OrtiseiMandatory--
Cassa Raiffeisen Della Val PassiriaMandatory--
Cassa Raiffeisen Della Valle IsarcoMandatory--
Cassa Raiffeisen Di BrunicoMandatory--
Cassa Raiffeisen Di DobbiacoMandatory--
Cassa Raiffeisen Di FunesMandatory--
Cassa Raiffeisen Di LagundoMandatory--
Cassa Raiffeisen Di LasaMandatory--
Cassa Raiffeisen Di MarlengoMandatory--
Cassa Raiffeisen Di MeranoMandatory--
Cassa Raiffeisen Di Nova Ponente AldinoMandatory--
Cassa Raiffeisen Di ParcinesMandatory--
Cassa Raiffeisen Di ScenaMandatory--
Cassa Raiffeisen Di TesimoMandatory--
Cassa Raiffeisen Di VillabassaMandatory--
Cassa Raiffeisen EtschtalMandatory--
Cassa Raiffeisen GherdeinaMandatory--
Cassa Raiffeisen LacesMandatory--
Cassa Raiffeisen LanaMandatory--
Cassa Raiffeisen Monguelfo-CasiestesidoMandatory--
Cassa Raiffeisen OltradigeMandatory--
Cassa Raiffeisen Prato-TubreMandatory--
Cassa Raiffeisen Schlern-RosengartenMandatory--
Cassa Raiffeisen SilandroMandatory--
Cassa Raiffeisen TiroloMandatory--
Cassa Raiffeisen Tures-AurinaMandatory--
Cassa Raiffeisen Ultimo S.Pancrazio-LauregnoMandatory--
Cassa Raiffeisen Val BadiaMandatory--
Cassa Raiffeisen Val SarentinoMandatory--
Cassa Raiffeisen VandoiesMandatory--
Cassa Raiffeisen WipptalMandatory--
Cassa Rurale Di BolzanoMandatory--
Cassa Rurale Di SalornoMandatory--
Deutsche BankMandatory--
DNBMandatory--
Handelsbanken Business-Mandatory-
Intesa Sanpaolo S.p.A--Mandatory
Noris BankMandatory--
PostbankMandatory--
Raiffeisen Bank CroatiaMandatory--
Raiffeisen Landesbank / Casa Centrale Raiffeisen dell Alto AdigeMandatory--
SMBCMandatory--
Solaris--Mandatory
Clanq--Mandatory
Grover--Mandatory
Helios--Mandatory
Kontist--Mandatory
Tomorrow Bank--Mandatory
Woolsocks France--Mandatory
Woolsocks Germany--Mandatory
Woolsocks Ireland--Mandatory
Woolsocks Italy--Mandatory
Woolsocks Spain--Mandatory
Otherwise, for all other institutions, you will not be required to specify any of these PSU values.
In order to accommodate for the listed institutions that require psu values, you will need to build your front-end applications to accept these extra fields from your customers before executing any of the authorisation requests.

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PSU-ID and PSU-CORPORATE-ID

The PSU-ID and the PSU-CORPORATE-ID serve the same purpose, the PSU-ID is used for personal accounts and the PSU-CORPORATE-ID is used for business and corporate accounts. The banks might use different format in creating these identifiers, below is a list of them per each bank/group.

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Italian Raiffeisen institutions

These being Alpenbank plus all of the Cassa Centrale and Cassa Raiffeisen institutions listed above. Client ID of the PSU in the ASPSP’s (bank) client interface. The user should be familiar with this ID and should follow a similar format to the following: XXXXXXXXX. A valid PSU-ID must be entered.

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DNB

PSU-ID for retail users is their Social security number (SSN), while for corporate users it is their TX-ident. TX-ident is the DNB specific ID for corporate users, which consists of a total of 7 characters, where the first 2 are letters and the remaining 5 are digits. The TX-ident is provided by DNB to the corporate user when becoming a corporate client.

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Raiffeisen Bank Croatia

You will need to request a National Personal Identification Number (OIB), that is a permanent national identification of every Croatian citizen and legal persons domiciled in the Republic of Croatia.

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Deutsche bank and Noris bank

The Deutsche bank and the Noris bank are composing the PSU-ID with the format ‘branch number’ + ‘account number’, where:
  • Branch number - 3 digits
  • Account number - 7 digits
curl -L -X POST 'https://api.yapily.com/account-auth-requests' \
-H 'Content-Type: application/json' \
-H 'psu-id: 6154033403' \
-u 'APPLICATION_KEY:APPLICATION_SECRET' \
-d '{
    "applicationUserId": "{user-reference}",
    "institutionId": "deutschebank-sandbox",
    "callback": "https://display-parameters.com/"
}'

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Postbank

Postbank requires an alphanumeric PSU ID.

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SMBC

The PSU-ID is the username used to sign in to the bank portal.

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Handelsbanken Business UK

If PSU-CORPORATE-ID is left blank, the bank will use the default value UNKNOWN that is identified as an Individual customer and if they aren’t (because they only have access to Corporate accounts), then the signing will return an error.

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PSU-IP-ADDRESS

The PSU-IP-ADDRESS is another personal identifier required by certain banks. You will need to capture the ip address of a PSU (payment service user) that is following this format: 
curl -L -X POST 'https://api.yapily.com/account-auth-requests' \
-H 'Content-Type: application/json' \
-H 'psu-ip-address: 35.189.94.5' \
-u 'APPLICATION_KEY:APPLICATION_SECRET' \
-d '{
    "applicationUserId": "{user-reference}",
    "institutionId": "solaris-sandbox",
    "callback": "https://display-parameters.com/"
}'