generated: '2026-07-23'
method: derived
source: openapi/*.json + https://clearbank.github.io/uk/docs/
standards:
- id: rfc7807-problem-details
  conforms: true
  evidence: All error responses use the ProblemDetails schema (type/title/status/detail/instance) as application/json.
- id: iso20022
  conforms: true
  evidence: >-
    Payment and reporting surfaces are ISO 20022 based (camt.053 statements,
    pacs/pain-style payment messages, Iso20022XmlDocument in Transaction Settled webhooks).
- id: confirmation-of-payee
  conforms: true
  evidence: Outbound CoP name-verification and SRD validate endpoints implement the Pay.UK Confirmation of Payee standard.
- id: uk-faster-payments
  conforms: true
  evidence: Direct participant in the UK Faster Payments Scheme (FPS initiation API).
- id: uk-chaps-rtgs
  conforms: true
  evidence: Direct CHAPS RTGS participant (CHAPS institution/customer payment API v6).
- id: uk-bacs
  conforms: true
  evidence: Bacs Direct Credit/Debit processing surfaced via webhook event catalog.
- id: sepa-credit-transfer
  conforms: true
  evidence: SEPA Credit Transfer (SCT) orchestrator API for euro payments.
- id: idempotency
  conforms: true
  evidence: Mandatory X-Request-Id idempotency key with 24-hour duplicate detection (409 on duplicate).
- id: oauth2
  conforms: false
  evidence: No OAuth flows; auth is bearer token + RSA DigitalSignature.
- id: psd2-open-banking
  conforms: false
  evidence: >-
    ClearBank is not a mandated Open Banking ASPSP and does not publish OBIE
    Read/Write (AISP/PISP/CBPII) or Open Data APIs.
- id: fapi
  conforms: false
  evidence: No FAPI security profile declared.
regulatory:
  authorizations:
  - {authority: PRA, role: Prudential Regulation Authority, frn: '754568'}
  - {authority: FCA, role: Financial Conduct Authority}
  - {authority: ECB, role: European Central Bank (ClearBank Europe N.V.)}