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Title: Frequently Asked Questions | Enable Banking Docs

Description: This section provides answers to common questions about Enable Banking's API services. Whether you're wondering about pricing, session validity, or how to activate production applications, you can find helpful information here.

Mail addresses
info@enablebanking.com
info@enablebanking.com
support.api@enablebanking.com

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Links:

Enable Banking Docshttps://enablebanking.com/docs/
Home https://enablebanking.com/docs/
API reference https://enablebanking.com/docs/api/reference/
UI Widgets https://enablebanking.com/docs/api/widgets/
Sandbox https://enablebanking.com/docs/api/sandbox/
TPP IaaS https://enablebanking.com/docs/tpp/
FAQ https://enablebanking.com/docs/faq/
Code samples (opens new window)https://github.com/enablebanking/enablebanking-api-samples
Home https://enablebanking.com/docs/
API reference https://enablebanking.com/docs/api/reference/
UI Widgets https://enablebanking.com/docs/api/widgets/
Sandbox https://enablebanking.com/docs/api/sandbox/
TPP IaaS https://enablebanking.com/docs/tpp/
FAQ https://enablebanking.com/docs/faq/
Code samples (opens new window)https://github.com/enablebanking/enablebanking-api-samples
What are the terms ASPSP and PSU?https://enablebanking.com/docs/faq/#what-are-the-terms-aspsp-and-psu
Can I test the API before signing a contract with Enable Banking?https://enablebanking.com/docs/faq/#can-i-test-the-api-before-signing-a-contract-with-enable-banking
How much does it cost to use the Enable Banking API?https://enablebanking.com/docs/faq/#how-much-does-it-cost-to-use-the-enable-banking-api
When will my production application become active?https://enablebanking.com/docs/faq/#when-will-my-production-application-become-active
Why are a data protection email and links to app terms and privacy required in production?https://enablebanking.com/docs/faq/#why-are-a-data-protection-email-and-links-to-app-terms-and-privacy-required-in-production
Why does my restricted application receive an empty list of accounts after successful authorisation?https://enablebanking.com/docs/faq/#why-does-my-restricted-application-receive-an-empty-list-of-accounts-after-successful-authorisation
Do you provide access to business accounts?https://enablebanking.com/docs/faq/#do-you-provide-access-to-business-accounts
Does Enable Banking provide a data categorisation service?https://enablebanking.com/docs/faq/#does-enable-banking-provide-a-data-categorisation-service
Is there a unique ASPSP identifier?https://enablebanking.com/docs/faq/#is-there-a-unique-aspsp-identifier
Is it possible to use BIC as a unique identifier for ASPSPs?https://enablebanking.com/docs/faq/#is-it-possible-to-use-bic-as-a-unique-identifier-for-aspsps
What does the beta flag in the ASPSP list mean?https://enablebanking.com/docs/faq/#what-does-the-beta-flag-in-the-aspsp-list-mean
Is it possible to identify an end user with this API?https://enablebanking.com/docs/faq/#is-it-possible-to-identify-an-end-user-with-this-api
Why am I getting multiple balances for one account?https://enablebanking.com/docs/faq/#why-am-i-getting-multiple-balances-for-one-account
Why am I missing balances from an account?https://enablebanking.com/docs/faq/#why-am-i-missing-balances-from-an-account
Is it possible to retrieve a historic balance on a specific date?https://enablebanking.com/docs/faq/#is-it-possible-to-retrieve-a-historic-balance-on-a-specific-date
Why is XXX returned as the currency for some accounts?https://enablebanking.com/docs/faq/#why-is-xxx-returned-as-the-currency-for-some-accounts
How does transaction fetching with a continuation key work?https://enablebanking.com/docs/faq/#how-does-transaction-fetching-with-a-continuation-key-work
Are there unique identifiers for transactions?https://enablebanking.com/docs/faq/#are-there-unique-identifiers-for-transactions
What is the difference between entry_reference and transaction_id transaction properties?https://enablebanking.com/docs/faq/#what-is-the-difference-between-entry-reference-and-transaction-id-transaction-properties
Why are bundled transactions not visible through API calls?https://enablebanking.com/docs/faq/#why-are-bundled-transactions-not-visible-through-api-calls
Why is only 90 days of transactions history available?https://enablebanking.com/docs/faq/#why-is-only-90-days-of-transactions-history-available
How far back transactions history can be fetched for an account?https://enablebanking.com/docs/faq/#how-far-back-transactions-history-can-be-fetched-for-an-account
Can I find somewhere how long history of transactions an ASPSP provides?https://enablebanking.com/docs/faq/#can-i-find-somewhere-how-long-history-of-transactions-an-aspsp-provides
What are the PSU headers in the endpoints for fetching account details, balances, and transactions used for?https://enablebanking.com/docs/faq/#what-are-the-psu-headers-in-the-endpoints-for-fetching-account-details-balances-and-transactions-used-for
Why am I getting 422 response code and PSUHEADERNOT_PROVIDED error code?https://enablebanking.com/docs/faq/#why-am-i-getting-422-response-code-and-psu-header-not-provided-error-code
Why am I getting 429 response code? Are there rate limits for the API?https://enablebanking.com/docs/faq/#why-am-i-getting-429-response-code-are-there-rate-limits-for-the-api
How can I get the authorisation token?https://enablebanking.com/docs/faq/#how-can-i-get-the-authorisation-token
How long is the validity of the authorisation token?https://enablebanking.com/docs/faq/#how-long-is-the-validity-of-the-authorisation-token
Does the authorisation token identify an end user?https://enablebanking.com/docs/faq/#does-the-authorisation-token-identify-an-end-user
Can authorisation tokens be shared with end users?https://enablebanking.com/docs/faq/#can-authorisation-tokens-be-shared-with-end-users
Do you support decoupled authentication approaches?https://enablebanking.com/docs/faq/#do-you-support-decoupled-authentication-approaches
Why the SCA app does not open when the auth URL is opened in a WebView?https://enablebanking.com/docs/faq/#why-the-sca-app-does-not-open-when-the-auth-url-is-opened-in-a-webview
How does the Enable Banking API choose which language to display to the end user?https://enablebanking.com/docs/faq/#how-does-the-enable-banking-api-choose-which-language-to-display-to-the-end-user
How can an application enforce a specific language for its user?https://enablebanking.com/docs/faq/#how-can-an-application-enforce-a-specific-language-for-its-user
How shall we handle error responses from the API containing the error code ASPSP_ERROR?https://enablebanking.com/docs/faq/#how-shall-we-handle-error-responses-from-the-api-containing-the-error-code-aspsp-error
How long is session validity?https://enablebanking.com/docs/faq/#how-long-is-session-validity
Why does the API return EXPIREDSESSION when the session has validuntil in the future?https://enablebanking.com/docs/faq/#why-does-the-api-return-expired-session-when-the-session-has-valid-until-in-the-future
How should re-authorisation be performed and how to match accounts across sessions?https://enablebanking.com/docs/faq/#how-should-re-authorisation-be-performed-and-how-to-match-accounts-across-sessions
How can I know if a session was authorized by an end user?https://enablebanking.com/docs/faq/#how-can-i-know-if-a-session-was-authorized-by-an-end-user
Why is the terms of service page shown before ASPSP authentication?https://enablebanking.com/docs/faq/#why-is-the-terms-of-service-page-shown-before-aspsp-authentication
Is it possible to run authorisation flow for end-users in iframe?https://enablebanking.com/docs/faq/#is-it-possible-to-run-authorisation-flow-for-end-users-in-iframe
Why am I getting CORS errors when using Enable Banking UI widgets?https://enablebanking.com/docs/faq/#why-am-i-getting-cors-errors-when-using-enable-banking-ui-widgets
What statuses does a payment go through after being created through the Enable Banking API?https://enablebanking.com/docs/faq/#what-statuses-does-a-payment-go-through-after-being-created-through-the-enable-banking-api
What is deferred payment submission and when should I use it?https://enablebanking.com/docs/faq/#what-is-deferred-payment-submission-and-when-should-i-use-it
Is the debtor's name and account number available before payment execution?https://enablebanking.com/docs/faq/#is-the-debtor-s-name-and-account-number-available-before-payment-execution
How do I check if deferred payment execution is supported for a specific ASPSP?https://enablebanking.com/docs/faq/#how-do-i-check-if-deferred-payment-execution-is-supported-for-a-specific-aspsp
How to initiate bulk payments?https://enablebanking.com/docs/faq/#how-to-initiate-bulk-payments
Can a TPP use Enable Banking API under their own license?https://enablebanking.com/docs/faq/#can-a-tpp-use-enable-banking-api-under-their-own-license
What support does Enable Banking provide to future TPPs during the authorisation process with an NCA?https://enablebanking.com/docs/faq/#what-support-does-enable-banking-provide-to-future-tpps-during-the-authorisation-process-with-an-nca
Do TPPs need their own operational risk management framework when using Enable Banking's infrastructure?https://enablebanking.com/docs/faq/#do-tpps-need-their-own-operational-risk-management-framework-when-using-enable-banking-s-infrastructure
Does a TPP using their own eIDAS certificates need to share the private keys of the certificates with Enable Banking?https://enablebanking.com/docs/faq/#does-a-tpp-using-their-own-eidas-certificates-need-to-share-the-private-keys-of-the-certificates-with-enable-banking
Where can I find the credentials when testing the connectivity through sandbox?https://enablebanking.com/docs/faq/#where-can-i-find-the-credentials-when-testing-the-connectivity-through-sandbox
#https://enablebanking.com/docs/faq/#what-are-the-terms-aspsp-and-psu
#https://enablebanking.com/docs/faq/#can-i-test-the-api-before-signing-a-contract-with-enable-banking
#https://enablebanking.com/docs/faq/#how-much-does-it-cost-to-use-the-enable-banking-api
link own accountshttps://enablebanking.com/docs/api/linked-accounts/
#https://enablebanking.com/docs/faq/#when-will-my-production-application-become-active
linking your own accountshttps://enablebanking.com/docs/api/linked-accounts/
#https://enablebanking.com/docs/faq/#why-are-a-data-protection-email-and-links-to-app-terms-and-privacy-required-in-production
https://enablebanking.com/data-sharing-consents/ (opens new window)https://enablebanking.com/data-sharing-consents/
#https://enablebanking.com/docs/faq/#why-does-my-restricted-application-receive-an-empty-list-of-accounts-after-successful-authorisation
Whitelisting own accounts for restricted API usage in productionhttps://enablebanking.com/docs/api/linked-accounts/
#https://enablebanking.com/docs/faq/#do-you-provide-access-to-business-accounts
here (opens new window)https://enablebanking.com/open-banking-apis
#https://enablebanking.com/docs/faq/#does-enable-banking-provide-a-data-categorisation-service
#https://enablebanking.com/docs/faq/#is-there-a-unique-aspsp-identifier
Is it possible to use BIC as a unique identifier for ASPSPs?https://enablebanking.com/docs/faq/#is-it-possible-to-use-bic-as-a-unique-identifier-for-aspsps
#https://enablebanking.com/docs/faq/#is-it-possible-to-use-bic-as-a-unique-identifier-for-aspsps
AccountResourcehttps://enablebanking.com/docs/api/reference/#accountresource
#https://enablebanking.com/docs/faq/#what-does-the-beta-flag-in-the-aspsp-list-mean
#https://enablebanking.com/docs/faq/#is-it-possible-to-identify-an-end-user-with-this-api
How should re-authorisation be performed and how to match accounts across sessions?https://enablebanking.com/docs/faq/#how-should-re-authorisation-be-performed-and-how-to-match-accounts-across-sessions
#https://enablebanking.com/docs/faq/#why-am-i-getting-multiple-balances-for-one-account
herehttps://enablebanking.com/docs/api/reference/#balancestatus
#https://enablebanking.com/docs/faq/#why-am-i-missing-balances-from-an-account
#https://enablebanking.com/docs/faq/#is-it-possible-to-retrieve-a-historic-balance-on-a-specific-date
#https://enablebanking.com/docs/faq/#why-is-xxx-returned-as-the-currency-for-some-accounts
#https://enablebanking.com/docs/faq/#how-does-transaction-fetching-with-a-continuation-key-work
GET /accounts/{account_id}/transactions endpointhttps://enablebanking.com/docs/api/reference/#get-account-transactions
#https://enablebanking.com/docs/faq/#are-there-unique-identifiers-for-transactions
#https://enablebanking.com/docs/faq/#what-is-the-difference-between-entry-reference-and-transaction-id-transaction-properties
Are there unique identifiers for transactions?https://enablebanking.com/docs/faq/#are-there-unique-identifiers-for-transactions
#https://enablebanking.com/docs/faq/#why-are-bundled-transactions-not-visible-through-api-calls
#https://enablebanking.com/docs/faq/#why-is-only-90-days-of-transactions-history-available
Control Panelhttps://enablebanking.com/docs/api/control-panel/
How far back transactions history can be fetched for an account?https://enablebanking.com/docs/faq/#how-far-back-transactions-history-can-be-fetched-for-an-account
Can I find somewhere how long history of transactions an ASPSP provides?https://enablebanking.com/docs/faq/#can-i-find-somewhere-how-long-history-of-transactions-an-aspsp-provides
#https://enablebanking.com/docs/faq/#how-far-back-transactions-history-can-be-fetched-for-an-account
Data Insights (opens new window)https://enablebanking.com/cp/data-insights
herehttps://enablebanking.com/docs/api/control-panel/#data-insights
#https://enablebanking.com/docs/faq/#can-i-find-somewhere-how-long-history-of-transactions-an-aspsp-provides
GET /accounts/{account_id}/transactions endpointhttps://enablebanking.com/docs/api/reference/#get-account-transactions
this FAQhttps://enablebanking.com/docs/faq/#how-does-transaction-fetching-with-a-continuation-key-work
#https://enablebanking.com/docs/faq/#what-are-the-psu-headers-in-the-endpoints-for-fetching-account-details-balances-and-transactions-used-for
the next questionhttps://enablebanking.com/docs/faq/#why-am-i-getting-422-response-code-and-psu-header-not-provided-error-code
#https://enablebanking.com/docs/faq/#why-am-i-getting-422-response-code-and-psu-header-not-provided-error-code
GET /aspsps requesthttps://enablebanking.com/docs/api/reference/#get-list-of-aspsps
#https://enablebanking.com/docs/faq/#why-am-i-getting-429-response-code-are-there-rate-limits-for-the-api
this FAQhttps://enablebanking.com/docs/faq/#what-are-the-psu-headers-in-the-endpoints-for-fetching-account-details-balances-and-transactions-used-for
#https://enablebanking.com/docs/faq/#how-can-i-get-the-authorisation-token
herehttps://enablebanking.com/docs/api/reference/#jwt-format-and-signature
#https://enablebanking.com/docs/faq/#how-long-is-the-validity-of-the-authorisation-token
#https://enablebanking.com/docs/faq/#does-the-authorisation-token-identify-an-end-user
#https://enablebanking.com/docs/faq/#can-authorisation-tokens-be-shared-with-end-users
#https://enablebanking.com/docs/faq/#do-you-support-decoupled-authentication-approaches
auth methodhttps://enablebanking.com/docs/api/reference/#authmethod
#https://enablebanking.com/docs/faq/#why-the-sca-app-does-not-open-when-the-auth-url-is-opened-in-a-webview
#https://enablebanking.com/docs/faq/#how-does-the-enable-banking-api-choose-which-language-to-display-to-the-end-user
UI widgetshttps://enablebanking.com/docs/api/widgets/
#https://enablebanking.com/docs/faq/#how-can-an-application-enforce-a-specific-language-for-its-user
#https://enablebanking.com/docs/faq/#how-shall-we-handle-error-responses-from-the-api-containing-the-error-code-aspsp-error
control panel (opens new window)https://enablebanking.com/cp/applications
#https://enablebanking.com/docs/faq/#how-long-is-session-validity
#https://enablebanking.com/docs/faq/#why-does-the-api-return-expired-session-when-the-session-has-valid-until-in-the-future
#https://enablebanking.com/docs/faq/#how-should-re-authorisation-be-performed-and-how-to-match-accounts-across-sessions
AccountResourcehttps://enablebanking.com/docs/api/reference/#accountresource
#https://enablebanking.com/docs/faq/#how-can-i-know-if-a-session-was-authorized-by-an-end-user
request completing authorisationhttps://enablebanking.com/docs/api/reference/#authorize-user-session
#https://enablebanking.com/docs/faq/#why-is-the-terms-of-service-page-shown-before-aspsp-authentication
UI widget for terms consenthttps://enablebanking.com/docs/api/widgets/#terms-consent
POST /auth requesthttps://enablebanking.com/docs/api/reference/#start-user-authorization
#https://enablebanking.com/docs/faq/#is-it-possible-to-run-authorisation-flow-for-end-users-in-iframe
UI widget for terms consenthttps://enablebanking.com/docs/api/widgets/#terms-consent
auth flow widgethttps://enablebanking.com/docs/api/widgets/#auth-flow
#https://enablebanking.com/docs/faq/#why-am-i-getting-cors-errors-when-using-enable-banking-ui-widgets
https://enablebanking.com/cp/applications (opens new window)https://enablebanking.com/cp/applications
#https://enablebanking.com/docs/faq/#what-statuses-does-a-payment-go-through-after-being-created-through-the-enable-banking-api
POST /payments requesthttps://enablebanking.com/docs/api/reference/#create-payment
GET /aspsps?service=PIS requesthttps://enablebanking.com/docs/api/reference/#get-list-of-aspsps
GET /payment requesthttps://enablebanking.com/docs/api/reference/#get-payment
#https://enablebanking.com/docs/faq/#what-is-deferred-payment-submission-and-when-should-i-use-it
GET /aspspshttps://enablebanking.com/docs/api/reference/#get-list-of-aspsps
POST /paymentshttps://enablebanking.com/docs/api/reference/#create-payment
GET /payments/{payment_id}https://enablebanking.com/docs/api/reference/#get-payment
POST /payments/{payment_id}/submithttps://enablebanking.com/docs/api/reference/#submit-payment
#https://enablebanking.com/docs/faq/#is-the-debtor-s-name-and-account-number-available-before-payment-execution
GET /payments/{payment_id}https://enablebanking.com/docs/api/reference/#get-payment
#https://enablebanking.com/docs/faq/#how-do-i-check-if-deferred-payment-execution-is-supported-for-a-specific-aspsp
GET /aspsps?service=PIShttps://enablebanking.com/docs/api/reference/#get-list-of-aspsps
#https://enablebanking.com/docs/faq/#how-to-initiate-bulk-payments
CreditTransferTransactionshttps://enablebanking.com/docs/api/reference/#credittransfertransaction
payment initiation flowhttps://enablebanking.com/docs/api/reference/#payment-initiation-flow
GET /payments/{payment_id}https://enablebanking.com/docs/api/reference/#get-payment
CreditTransferTransactionDetailshttps://enablebanking.com/docs/api/reference/#credittransfertransactiondetails
GET /payments/{payment_id}/transactions/{transaction_id}https://enablebanking.com/docs/api/reference/#get-payment-transaction
#https://enablebanking.com/docs/faq/#can-a-tpp-use-enable-banking-api-under-their-own-license
TPP Infrastructure as a Service (opens new window)https://enablebanking.com/tpp-infrastructure
docs for TPPshttps://enablebanking.com/docs/tpp/
#https://enablebanking.com/docs/faq/#what-support-does-enable-banking-provide-to-future-tpps-during-the-authorisation-process-with-an-nca
#https://enablebanking.com/docs/faq/#do-tpps-need-their-own-operational-risk-management-framework-when-using-enable-banking-s-infrastructure
operational risk management documentationhttps://enablebanking.com/docs/tpp/operational-risk-management/
#https://enablebanking.com/docs/faq/#does-a-tpp-using-their-own-eidas-certificates-need-to-share-the-private-keys-of-the-certificates-with-enable-banking
https://github.com/enablebanking/open_banking_eidas_broker (opens new window)https://github.com/enablebanking/open_banking_eidas_broker
#https://enablebanking.com/docs/faq/#where-can-i-find-the-credentials-when-testing-the-connectivity-through-sandbox
Sandbox Credentials pagehttps://enablebanking.com/docs/api/sandbox/#sandbox-credentials

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