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Bank Account Approvals

A Bank Account Approval represents any added authorization on a Bank Account. This may be an approval from Centrapay or a consent from a Centrapay Account owner that allows access to a third-party system. See Bank Account Approval Types.

Contents

Models

Bank Account Approval

Fields

Field Type Description
id String The Bank Account Approval’s unique identifier.
bankAccountId String The id of the associated Bank Account.
accountId String The id of the owning Centrapay Account.
type String The type of Bank Account Approval. See Bank Account Approval Types.
status String The current status of the Bank Account Approval. Supported values are created, pending, approved, declined and done.
createdAt Timestamp When the Bank Account Approval was created.
createdBy CRN The User or API Key that created the Bank Account Approval.
modifiedAt Timestamp When the Bank Account Approval was updated.
modifiedBy CRN The User or API Key that updated the Bank Account Approval.
approvalActivities Array An array of Bank Account Approval Activity associated with the Bank Account Approval.
mediaUploadId String Optional The id of the associated Media Upload. Required for type settlement.
refreshToken String Optional A long lived access token for access to a third-party system. Required for type account-consent and payment-consent.
consentId String Optional A unique identifier for an authorization in a third-party system.

Bank Account Approval Activity

Fields

Field Type Description
activityNumber Number Unique sequential Bank Account Approval Activity number.
approvalId String The id of the associated Bank Account Approval.
activityType String The type of the Bank Account Approval Activity.
createdAt Timestamp When the Bank Account Approval Activity was created.
createdBy CRN The User or API Key that created the Bank Account Approval Activity.

Bank Account Approval Types

Name description
settlement An approved Bank Account Approval of type settlement is required for the funds in a Settlement Wallet to be released. A Media Upload is uploaded by the user to provide evidence of ownership of the Bank Account to be approved.
account-consent An approved Bank Account Approval of type account-consent provides an access token to read account details from a third-party.
payment-consent An approved Bank Account Approval of type payment-consent provides an access token for creating payments with a third-party.

Operations

Request Bank Account Approval EXPERIMENTAL

POST /api/bank-account-approvals 

curl -X POST https://service.centrapay.com/api/bank-account-approvals \
  -H "X-Api-Key: $api_key" \
  -H "Content-Type: application/json" \
  -d '{
    "mediaUploadId": "uooxSens6ykJaim1Cu1Q55",
    "bankAccountId": "WRhAxxWpTKb5U7pXyxQjjY",
    "type": "settlement"
  }'

Required Fields

Field Type Description
mediaUploadId String The id of the associated Media Upload.
bankAccountId String The id of the associated Bank Account.
type String The Bank Account Approval Type. A Bank Account Approval can only be requested for type settlement.

Example response payload 

{
  "id": "DcTs3U38HdhfEqwF1GKoT3",
  "mediaUploadId": "uooxSens6ykJaim1Cu1Q55",
  "bankAccountId": "WRhAxxWpTKb5U7pXyxQjjY",
  "accountId": "Jaim1Cu1Q55uooxSens6yk",
  "type": "settlement",
  "status": "created",
  "createdAt": "2021-11-08T21:52:39.915Z",
  "createdBy": "crn:WIj211vFs9cNACwBb04vQw:api-key:MyApiKey",
  "modifiedAt": "2021-11-08T21:52:39.915Z",
  "modifiedBy": "crn:WIj211vFs9cNACwBb04vQw:api-key:MyApiKey"
}

Error Responses

Status Code Description
403 APPROVAL_ALREADY_IN_PROGRESS There is already a Bank Account Approval in progress that is awaiting review from Centrapay.

Get Bank Account Approval EXPERIMENTAL

GET /api/bank-account-approvals/{bankAccountApprovalId} 

curl https://service.centrapay.com/api/bank-account-approvals/bbab9a768921019cb856 \
  -H "X-Api-Key: $api_key"

Example response payload 

{
  "id": "bbab9a768921019cb856",
  "bankAccountId": "WRhAxxWpTKb5U7pXyxQjjY",
  "accountId": "Jaim1Cu1Q55uooxSens6yk",
  "type": "account-consent",
  "status": "approved",
  "createdAt": "2021-11-08T21:52:39.915Z",
  "createdBy": "crn:WIj211vFs9cNACwBb04vQw:api-key:MyApiKey",
  "modifiedAt": "2021-11-08T21:52:39.915Z",
  "modifiedBy": "crn:WIj211vFs9cNACwBb04vQw:api-key:MyApiKey",
  "refreshToken": "y04Njk3LTRjNmZkYjBhMzRiZSIsIm5vbmNlIjoiOTg3MTJjMGNkZmFiNWZjNzMwM2MxMzNl",
  "consentId": "d24dbe-e2bc46ac-d924e38af112"
}

Accept a Bank Account Approval EXPERIMENTAL

POST /api/bank-account-approvals/{bankAccountApprovalId}/accept 

curl -X POST https://service.centrapay.com/api/bank-account-approvals/DcTs3U38HdhfEqwF1GKoT3/accept \
  -H "X-Api-Key: $api_key" \
  -H "Content-Type: application/json" \
  -d '{
    "reason": "All details match"
  }'

Optional Fields

Field Type Description
reason String The reason for accepting the Bank Account Approval.

Example response payload 

{
}

Error Responses

Status Code Description
403 APPROVAL_ALREADY_REVIEWED The Bank Account Approval has already been accepted or declined.

Decline a Bank Account Approval EXPERIMENTAL

POST /api/bank-account-approvals/{bankAccountApprovalId}/decline 

curl -X POST https://service.centrapay.com/api/bank-account-approvals/DcTs3U38HdhfEqwF1GKoT3/decline \
  -H "X-Api-Key: $api_key" \
  -H "Content-Type: application/json" \
  -d '{
    "reason": "All details match"
  }'

Required Fields

Field Type Description
reason String The reason for declining the Bank Account Approval.

Example response payload 

{
}

Error Responses

Status Code Description
403 APPROVAL_ALREADY_REVIEWED The Bank Account Approval has already been accepted or declined.

List Bank Account Approvals EXPERIMENTAL

GET /api/bank-accounts/{bankAccountId}/approvals 

curl https://service.centrapay.com/api/bank-accounts/5vpkxjn6z787LiAKCqwuf9/approvals \
  -H "X-Api-Key: $api_key"

Example response payload 

{
  "items": [
    {
      "id": "PJ6jTgDNv1xfFAooCoWZLe",
      "bankAccountId": "5vpkxjn6z787LiAKCqwuf9",
      "createdAt": "2022-08-21T21:41:46.361Z",
      "modifiedAt": "2022-08-21T21:41:46.361Z",
      "accountId": "TEZiZWAtX6v1hJucU4fGKx",
      "createdBy": "crn::user:7c0a034a-c36e-4645-b12b-57dec339ab47",
      "modifiedBy": "crn::user:7c0a034a-c36e-4645-b12b-57dec339ab47",
      "type": "account-consent",
      "status": "approved",
      "refreshToken": "tXC4dFm3yNAQbLrm4JxY6pynGoEG8vSJ",
      "consentId": "fFAoo-CoWZLea8-4dFm3yNAoWZLe"
    },
    {
      "id": "WiFna4hCc7k4KYUxncFPg4",
      "bankAccountId": "5vpkxjn6z787LiAKCqwuf9",
      "createdAt": "2022-08-11T20:53:57.337Z",
      "modifiedAt": "2022-08-11T20:53:57.337Z",
      "accountId": "TEZiZWAtX6v1hJucU4fGKx",
      "createdBy": "crn::user:7c0a034a-c36e-4645-b12b-57dec339ab47",
      "modifiedBy": "crn::user:7c0a034a-c36e-4645-b12b-57dec339ab47",
      "type": "payment-consent",
      "status": "approved",
      "refreshToken": "dAGLl8AfnNCGEKEmBm1FryaDyW1JBh28",
      "consentId": "4KYUx-ncFPg4a8-Ll8AfnNCcFPg4"
    },
    {
      "id": "SoQkkv4rWRwrknrdkYbBuB",
      "bankAccountId": "5vpkxjn6z787LiAKCqwuf9",
      "createdAt": "2022-08-21T21:41:22.345Z",
      "modifiedAt": "2022-08-21T21:41:22.345Z",
      "accountId": "TEZiZWAtX6v1hJucU4fGKx",
      "createdBy": "crn::user:7c0a034a-c36e-4645-b12b-57dec339ab47",
      "modifiedBy": "crn::user:7c0a034a-c36e-4645-b12b-57dec339ab47",
      "type": "account-consent",
      "status": "declined",
      "refreshToken": "rX3MNTxFwKIU2lhyZOrq87Aw74ASSHUM",
      "consentId": "rknrd-kYbBuBa8-MNTxFwKIYbBuB"
    }
  ]
}