FinTech API

Introduction

Welcome to the PayJinn FinTech API documentation. PayJinn unites almost all of the German banks in one easy to use API. PayJinn FinTech API eases development of new software services which require special online banking infrastructure.

Transaction Types

Following transaction types are supported by the PayJinn FinTech API.

Get Account Transactions
Get Account Balance
Get Account Statement
Initiate Single SEPA Money Transfer
Initiate Batch SEPA Money Transfer
Initiate Single Direct Debit
Initiate Batch Direct Debit

INFO: Should you need additional functionality please do not hesitate to contact us either by sending an email or by using our contact page. Depending on your needs more transaction types may be added to our API.

Base URL

All PayJinn FinTech API URLs have the following base:

https://www.payjinn.com/api/OnlineBanking

Our API is served only over HTTPS in order to ensure data security. Unencrypted HTTP protocol is not supported.

Demo Account

Below client id and api key can be used for development and testing purposes.

Client Id: TEST0001
API Key: 12345678

Provided that the request data formats are valid, API calls using this demo account will always be approved by the system and synthetic data or results will be returned back to client.

Get Account Transactions

This API can be used to fetch account transactions of any given bank account as long as valid online banking credendials are used.

TRY IT NOW:
You can start a test session using this link to get a better idea of Get Account Transactions API.

HBCI / FinTS Security:

<User Name> + <PIN>

Accepts:

HTTP POST

API URL:

https://www.payjinn.com/api/OnlineBanking/GetAccountTransactions

Inputs:

Field Name	Type	Length	Info
clientId	String	8	Mandatory
blz	String	8	Mandatory
iban	String	22	Mandatory
userName	String	Any	Mandatory
customerNumber	String	Any	Mandatory
pin	String	Any	Mandatory
dateBegin	String	10	Mandatory YYYY-MM-DD
dateEnd	String	10	Mandatory YYYY-MM-DD

Outputs:

Field Name	Type	Length	Info
processed	Boolean		Mandatory i.e: true / false
replyCode	Integer		Mandatory 0: Approved Other values: Rejected
errorMessage	String	Any	Mandatory
transactionsList	Array of Account Transaction	Any	Mandatory when replyCode = 0

Account Transaction Format:

Field Name	Type	Length	Info
booked	Boolean		Mandatory i.e: true / false
date	String	10	Mandatory YYYY-MM-DD
valueDate	String	10	Mandatory YYYY-MM-DD
type	String	Max 128	Mandatory
typeCode	String	Max 128	Mandatory
counterAccountBLZ	String	8	Mandatory Can be an empty string depending on the transaction type
counterAccountBIC	String	11	Mandatory Can be an empty string depending on the transaction type
counterAccountIBAN	String	34	Mandatory Can be an empty string depending on the transaction type
counterAccountOwnerName	String	Any	Mandatory Can be an empty string depending on the transaction type
reference	String	Any	Mandatory
amount	Decimal	Any	Mandatory 2 decimal places and dot <.> character is used for decimal seperation. (i.e: 1.25)
amountCurrency	String	3	Mandatory- ie: EUR
balance	Decimal	Any	Mandatory 2 decimal places and dot <.> character is used for decimal seperation. (i.e: 1.25)
balanceCurrency	String	3	Mandatory - ie: EUR
bankReference	String	Any	Optional (Some bank's do not provide this information)

REMARK I: Although API response format is static, please note that not all banks use the same notation for same type of transactions. In this aspect, client programs should be especially be agnostic on type, type code and reference fields.

Example: For a single SEPA money transfer following notations are used by two different banks.

Bank: HypoVereinsbank
Type: SEPA Online-Ueberweisung
Bank: Hamburger Sparkasse
Type: SB-SEPA-Ueberweisung

REMARK II: Some banks provide information about pending transaction which have not been completed yet. Pending transactions can be differentiated from normal ones via <booked> field. After successful completion <booked> flag will become true. If a pending transaction cannot be completed due to technical reasons, your bank will remove it from the transaction list at the next call.

Request Example (JSON):

{
  "clientId": "TEST0001",
  "blz": "12345678",
  "iban": "DE11111111111111111111",
  "userName": "12345",
  "customerNumber": "12345",
  "pin": "12345",
  "dateBegin": "2016-01-01",
  "dateEnd": "2016-02-01"
}

Response Example (JSON):

{
  "processed": true,
  "replyCode": 0,
  "errorMessage": "APPROVED",
  "transactionsList": [
    {
      "booked": true,
      "date": "2016-08-29",
      "valueDate": "2016-08-29",
      "type": "SEPA Gutschrift",
      "typeCode": "166",
      "counterAccountBLZ": "00000000",
      "counterAccountBIC": "PAYJDEPJXXX",
      "counterAccountIBAN": "DE00000000000000000000",
      "counterAccountOwnerName": "PAYJINN",
      "reference": "1283056391",
      "amount": "172.00",
      "amountCurrency": "EUR",
      "balance": "5497.00",
      "balanceCurrency": "EUR",
      "bankReference": "1234567890"
    },
    {
      "booked": true,
      "date": "2016-08-29",
      "valueDate": "2016-08-29",
      "type": "Kartenzahlung",
      "typeCode": "106",
      "counterAccountBLZ": "00000000",
      "counterAccountBIC": "PAYJDEPJXXX",
      "counterAccountIBAN": "DE00000000000000000000",
      "counterAccountOwnerName": "PAYJINN",
      "reference": "643517918",
      "amount": "-25.00",
      "amountCurrency": "EUR",
      "balance": "3015.00",
      "balanceCurrency": "EUR",
      "bankReference": "1234567890"
    },
    {
      "booked": true,
      "date": "2016-08-29",
      "valueDate": "2016-08-29",
      "type": "SEPA Basislastschrift",
      "typeCode": "105",
      "counterAccountBLZ": "00000000",
      "counterAccountBIC": "PAYJDEPJXXX",
      "counterAccountIBAN": "DE00000000000000000000",
      "counterAccountOwnerName": "PAYJINN",
      "reference": "1079921687",
      "amount": "-540.00",
      "amountCurrency": "EUR",
      "balance": "697.00",
      "balanceCurrency": "EUR",
      "bankReference": "1234567890"
    },
    {
      "booked": true,
      "date": "2016-08-29",
      "valueDate": "2016-08-29",
      "type": "SEPA Online-Ueberweisung",
      "typeCode": "177",
      "counterAccountBLZ": "00000000",
      "counterAccountBIC": "PAYJDEPJXXX",
      "counterAccountIBAN": "DE00000000000000000000",
      "counterAccountOwnerName": "PAYJINN",
      "reference": "4674237",
      "amount": "-226.00",
      "amountCurrency": "EUR",
      "balance": "7771.00",
      "balanceCurrency": "EUR",
      "bankReference": "1234567890"
    },
    {
      "booked": true,
      "date": "2016-08-29",
      "valueDate": "2016-08-29",
      "type": "Geld Rueckzug",
      "typeCode": "203",
      "counterAccountBLZ": "",
      "counterAccountBIC": "",
      "counterAccountIBAN": "",
      "counterAccountOwnerName": "",
      "reference": "1446520503",
      "amount": "-93.00",
      "amountCurrency": "EUR",
      "balance": "7859.00",
      "balanceCurrency": "EUR",
      "bankReference": "1234567890"
    }
  ]
}

Other Transactions

Documentation of other transaction types are not made public on purpose. Should you need more information about these transactions, please do not hesitate to contact us either by sending an email or by using our contact page.