generated: '2026-05-25'
method: generated
specification: API Commons Vocabulary
specificationVersion: '0.1'
provider: Fintecture
providerId: fintecture
created: '2026-05-25'
modified: '2026-05-25'
description: Vocabulary of the operational and capability dimensions exposed by Fintecture's Open Banking platform. Aligns
  industry PSD2 / Berlin Group terms with Fintecture product names.
tags:
- Open Banking
- PSD2
- Payments
concepts:
- term: PIS
  label: Payment Initiation Services
  definition: PSD2 regulated service category for initiating payments from a PSU's payment account on their behalf.
  aliases:
  - Payment Initiation Service Provider
  - PISP
- term: AIS
  label: Account Information Services
  definition: PSD2 regulated service category for retrieving information from a PSU's payment account on their behalf.
  aliases:
  - Account Information Service Provider
  - AISP
- term: PSU
  label: Payment Service User
  definition: The end customer initiating a payment or granting account access.
- term: ASPSP
  label: Account Servicing Payment Service Provider
  definition: The PSU's bank that ultimately holds the account being debited or read.
- term: TPP
  label: Third Party Provider
  definition: The PSD2 regulated party (Fintecture here) acting on the PSU's behalf as PISP and/or AISP.
- term: SCA
  label: Strong Customer Authentication
  definition: Two-factor authentication required by PSD2 for most regulated payment and account-access flows.
- term: RUM
  label: Reference Unique Mandate
  definition: Per-mandate unique identifier in the SEPA Direct Debit / e-mandate scheme. Duplicate RUMs return 409 Conflict.
products:
- id: immediate-transfer
  name: Immediate Transfer
  description: Pay-by-bank Open Banking transfer initiation. The PSU authenticates at their bank and confirms the payment;
    settlement is near-instant.
- id: smart-transfer
  name: Smart Transfer
  description: Auto-reconciled transfer using a merchant-allocated virtual unique IBAN. Inbound funds match exactly back to
    the payment session.
- id: request-to-pay
  name: Request To Pay
  description: Payment link delivered by email, SMS, QR code, or embedded in an invoice. PSU follows the link to complete
    an Immediate Transfer, Smart Transfer, or BNPL payment.
- id: bnpl
  name: Buy Now Pay Later
  description: Deferred payment option composed inside the Payment Hub.
- id: verified-payout
  name: Verified Payout
  description: Outbound disbursement to a verified bank account, used for customer reimbursements and credits.
- id: immediate-refund
  name: Immediate Refund
  description: Full or partial refund initiated to the original payment account or to an alternative payout account.
- id: account-information
  name: Account Information
  description: Retrieve PSU accounts, balances, holders, and transactions.
- id: ais-verification
  name: AIS Identity Verification
  description: AIS-backed name-match check that the bank account holder matches the merchant's customer record.
- id: e-mandates
  name: E-Mandates
  description: SEPA-style mandates identified by RUM; supports cancel and revoke status transitions.
- id: payment-hub
  name: Payment Hub
  description: Single endpoint that orchestrates Immediate Transfer, Smart Transfer, and BNPL inside a unified payment session.
- id: local-acquiring
  name: Local Acquiring
  description: Merchant funds first land in a Fintecture-managed acquiring account, then are settled to the merchant's own
    bank account.
services:
- id: pis
  capabilities:
  - Immediate Transfer
  - Smart Transfer
  - Request To Pay
  - BNPL
  - Verified Payout
  - Immediate Refund
- id: ais
  capabilities:
  - Accounts
  - Holders
  - Balances
  - Transactions
  - Verification
- id: customers
  capabilities:
  - Customer registration
  - Customer bank accounts
  - Verifications
- id: e-mandates
  capabilities:
  - Create
  - List
  - Get
  - Cancel
  - Revoke
- id: oac
  capabilities:
  - Applications
  - Bank Accounts
  - Companies
  - Organisation Nodes
  - Memberships
  - Users
rails:
- id: SEPA
  name: SEPA Credit Transfer
  region: EEA
- id: iSCT
  name: SEPA Instant Credit Transfer
  region: EEA
- id: FPS
  name: UK Faster Payments
  region: UK
- id: PLN
  name: ELIXIR
  region: Poland
- id: INT
  name: International
  region: Cross-border
auth:
- id: pis-token
  grant: client_credentials
  scope: PIS
- id: ais-token
  grant: authorization_code
  scope: AIS
- id: customer-token
  grant: client_credentials
  scope: customer
- id: emandate-token
  grant: client_credentials
  scope: e-mandate
- id: oac-token
  grant: client_credentials
  scope: OAC
  status: beta
security:
- id: http-message-signature
  definition: RFC draft-cavage-http-signatures. Production calls require Signature, Digest, Date, and x-request-id headers.
sources:
- https://doc.fintecture.com/
- https://fintecture.com/
- https://doc.fintecture.com/llms.txt
vocabulary:
  name: Fintecture Vocabulary
  description: Vocabulary of the operational and capability dimensions exposed by Fintecture's Open Banking platform. Aligns
    industry PSD2 / Berlin Group terms with Fintecture product names.
  terms:
  - term: PIS
    definition: PSD2 regulated service category for initiating payments from a PSU's payment account on their behalf.
  - term: AIS
    definition: PSD2 regulated service category for retrieving information from a PSU's payment account on their behalf.
  - term: PSU
    definition: The end customer initiating a payment or granting account access.
  - term: ASPSP
    definition: The PSU's bank that ultimately holds the account being debited or read.
  - term: TPP
    definition: The PSD2 regulated party (Fintecture here) acting on the PSU's behalf as PISP and/or AISP.
  - term: SCA
    definition: Two-factor authentication required by PSD2 for most regulated payment and account-access flows.
  - term: RUM
    definition: Per-mandate unique identifier in the SEPA Direct Debit / e-mandate scheme. Duplicate RUMs return 409 Conflict.