--- title: "Payment Api Information" description: "The Payment Initiation API enables Payment Initiating Service Providers (PISP) to initiate payments, with customer approval, for a C. Hoare & Co. account." url: "https://developer.hoaresbank.co.uk/apis/ob-payment-initiation-v3-1-0/docs/payment-api-information" image: "https://developer.hoaresbank.co.uk/_og/d/c_Ocean.takumi,title_Payment+Api+Information,description_~VGhlIFBheW1lbnQgSW5pdGlhdGlvbiBBUEkgZW5hYmxlcyBQYXltZW50IEluaXRpYXRpbmcgU2VydmljZSBQcm92aWRlcnMgKFBJU1ApIHRvIGluaXRpYXRlIHBheW1lbnRzLCB3aXRoIGN1c3RvbWVyIGFwcHJvdmFsLCBmb3IgYSBDLiBIb2FyZSAmIENvLiBhY2NvdW50Lg,props_eyJ0aGVtZSI6eyJtb2RlIjoibGlnaHQiLCJjb2xvcnMiOnsicHJpbWFyeSI6IiMwMDMzMmUifX19,p_Ii9hcGlzL29iLXBheW1lbnQtaW5pdGlhdGlvbi12My0xLTAvZG9jcy9wYXltZW50LWFwaS1pbmZvcm1hdGlvbiI,s_LnthFfR7NsCZXZfZ.png" --- # Payment Initiation Information The Payment Initiation API enables Payment Initiating Service Providers (PISP) to initiate payments, with customer approval, for a C. Hoare & Co. account. The payment-order implementation includes: - domestic payments; - domestic scheduled payments; - standing orders; - international payments; - file payments. C. Hoare & Co.'s implementation conforms to the OBIE Payment specifications v3.1; any variances are documented below. ## [**Domestic Payments**](#domestic-payments) ### [**Key Information**](#key-information) - The domestic payment endpoints can be used to initiate a domestic payment consent journey, check the status of a consent, request a confirmation of funds response, send a payment-order and check the status of a payment-order. - Confirmation of Funds response is not yet supported - A payment initiated requiring the Multiple Authorisation Object is not yet supported; any multiple authorisation payment initiated will be rejected with error code '1531 Invalid Payment Status' - C. Hoare & Co. processes payments on any working day (defined as any day, other than a Saturday, Sunday or public holiday in England or Wales.) See processing times below. - We advise sending a payment-order regardless of a negative response to a GET/domestic-payment-consents/{ConsentId}/fundconfirmation request. C. Hoare & Co. do not operate real time balances. - The POST/payment-order must be sent within 1 minute of the successful payment consent; otherwise it will not be valid - Any related charge details for the payment will not be expressed in the charge object until the customer has completed their authentication journey. ### [**Payment Validations**](#payment-validations) #### [**LocalInstrument**](#localinstrument) UK.OBIE.FPS and UK.OBIE.CHAPS are accepted payment types for Local Instrument. When LocalInstrument is blank, the request will be processed as a Faster Payment. POST/domestic-payments-consents where the amount is equal to or exceeding £100,000.00 must be sent as a UK.OBIE.CHAPS; otherwise the request will be rejected. #### [**Format**](#format) The attributes below must conform to the maximum field length validation based on LocalInstrument selected: | Object | Attribute | UK.OBIE.FPS Max field length | UK.OBIE.CHAPS Max field length | | :-------------------- | :-------- | :--------------------------- | :----------------------------- | | CreditorAccount | Name | 18 | 70 | | RemittanceInformation | Reference | 18 | 70 | #### [**Field Values**](#field-values) The domestic payment endpoints adopt the OBIE v3.1 schema with only a few exceptions:- | Object | Attribute | CHC Implementation | | :------------------------------ | :------------------------- | :------------------------------------------------------------------------------- | | OBWriteDomestic2 | | | | DebtorAccount | Secondary Identification | Not supported. Any roll number should be specified in the Remittance Information/Reference field | | CreditorAccount | Secondary Identification | Not supported. Any roll number should be specified in the Remittance Information/Reference field | | Remittance information | Unstructured | Not supported. Only one identifier can be accepted; use Reference field | | OBWriteDomesticConsentResponse2 | | | | Data | CutOffDateTime | Not supported | | Data | ExpectedExecutionDateTime | Not supported | | Data | ExpectedSettlementDateTime | Not supported | | OBWriteDomesticResponse2 | | | | Data | ExpectedExecutionDateTime | Not supported | | Data | ExpectedSettlementDateTime | Not supported | #### [**Payment Processing**](#payment-processing) CHAPS instructions received after 5pm (UK time), or on a non-working day, will normally be processed on the following working day. Faster Payments and payments to C. Hoare & Co. customers received after 11:30pm (UK time), or on a non-working day, will normally be processed on the following working day. ## [**Scheduled Domestic Payments**](#scheduled-domestic-payments) ### [**Key Information**](#key-information-1) - The scheduled domestic payment endpoints can be used to initiate a scheduled domestic payment consent journey, check the status of a consent, send a payment-order and check the status of a payment-order. - Multiple Authorisation Object is supported - C.Hoare & Co. online customers can cancel a scheduled payment via the PSU interface - C. Hoare & Co. process payments on any Working day defined as any day, other than a Saturday, Sunday or public holiday in England or Wales. See processing times below. - The POST/payment-order must be sent within 1 minute(s) of the successful payment consent to be valid - Any related charge details for the payment will not be expressed in the Charge object until the customer has completed their authentication journey ### [**Payment Validations**](#payment-validations-1) #### [**LocalInstrument**](#localinstrument-1) UK.OBIE.FPS and UK.OBIE.CHAPS are accepted payment types for Local Instrument. When LocalInstrument is blank, the request will be processed as a Faster Payment. POST/domestic-payments-consents where the amount is equal to or exceeding £100,000.00 must be sent as a UK.OBIE.CHAPS; otherwise the request will be rejected. #### [**RequestedExecutionDateTime**](#requestedexecutiondatetime) Date must fall on a working day. Any request where RequestedExecutionDate falls on a weekend will be rejected. DateTime should be specified as ISO 8601 format e.g. 2017-04-05T10:43:07+00:00. Timezone element of DateTime is not currently supported. #### [**Format**](#format-1) The attributes below must conform to the maximum field length validation based on LocalInstrument selected: | Object | Attribute | UK.OBIE.FPS Max field length | UK.OBIE.CHAPS Max field length | | :-------------------- | :-------- | :--------------------------- | :----------------------------- | | CreditorAccount | Name | 18 | 70 | | RemittanceInformation | Reference | 18 | 70 | #### [**Field Values**](#field-values-1) The domestic payment endpoints adopt the OBIE v3.1 schema with only a few exceptions:- | Object | Attribute | CHC Implementation | | :------------------------------ | :------------------------- | :------------------------------------------------------------------------------- | | OBWriteDomestic2 | | | | DebtorAccount | Secondary Identification | Not supported. Any roll number should be specified in the Remittance Information/Reference field | | CreditorAccount | Secondary Identification | Not supported. Any roll number should be specified in the Remittance Information/Reference field | | Remittance information | Unstructured | Not supported. Only one identifier can be accepted; use Reference field | | OBWriteDomesticConsentResponse2 | | | | Data | CutOffDateTime | Not supported | | Data | ExpectedExecutionDateTime | Not supported | | Data | ExpectedSettlementDateTime | Not supported | | OBWriteDomesticResponse2 | | | | Data | ExpectedExecutionDateTime | Not supported | | Data | ExpectedSettlementDateTime | Not supported | #### [**Payment Processing**](#payment-processing-1) CHAPS instructions received after 5pm (UK time), or on a non-working day, will normally be processed on the following working day. Faster Payments and payments to C. Hoare & Co. customers received after 11:30pm (UK time), or on a non-working day, will normally be processed on the following working day.