Here you will find options for using the konfipay API. The API settings are divided into verifications and actions. Verifications are used to check submitted files and report any errors. Actions change data automatically and can be used to correct errors in submitted files.
The verifications are used to detect syntactical and/or logical errors as early as possible in payment processing. As different banks have different levels of tolerance towards errors, you can activate or deactivate each check individually in order to adapt it to your bank's verification criteria.
The following table describes the individual tests in detail:
SEPA participating country
Check whether the IBAN of the other party to the credit transfer or direct debit belongs to a SEPA participant country. Only applies to payment formats that are subject to the SEPA country restriction.
Validation of the IBAN by calculating and comparing the check digit.
Check that IBAN and BIC belong together.
XML schema validation
Validation of the submitted files against the referenced XML schema.
RDT character set check
Checking the files against the character set permitted in the DFÜ agreement. During this check, you can choose between the "Standard character set" and the "Extended character set". Only applies to files that are subject to the DFÜ character set restriction.
Examination according to restrictions and rules of the European Payment Council (EPC) and the German Banking Industry (Deutsche Kreditwirtschaft, DK).
Checking the control values
Verification of the number of payments specified in the file and the checksum total against the actual values.
AZV file check
Checking the structure and content of international transfers in DTAZV format.
Check whether the same file has already been submitted within a defined period of time. The time period can be set individually (1 to 48 hours).
Address verification for direct debits outside the EU
Check whether the debitor's address is included in the direct debit. If the debtor's account-holding bank is located outside the EU, the address must be provided.
Checking the EBICS order type
Check whether the EBICS contact used to execute a payment has the necessary order type.
Checking the execution date for submitted payment orders. The execution date must not be in the past.
Creditor identification number
Verification of the creditor identification number for submitted payment orders.
Unique message ID
Check for uniqueness of the message ID.
Creation of offline accounts
If the setting is active, the creation of offline accounts via the API is permitted. If the setting is deactivated, the creation of offline accounts via the API is rejected. Offline accounts are neither linked to an EBICS access nor connected to a service data center, so that no online action is possible.
The actions automatically intervene in the transferred files or in the database of konfipay if certain conditions are met. The actions can help to optimize workflows or automatically correct errors in the transferred data.
The actions are deactivated by default and must be actively selected by the user. The following table describes the individual actions in detail:
Conversion of non-permitted characters
Automatic conversion of non-permitted characters (in accordance with the DFÜ agreement) for SEPA payments.
Create bank accounts automatically
Automatic creation of bank accounts from payment transaction files submitted via API.
Conversion from COR1 to CORE
COR1 is no longer supported as a direct debit type.
Formatting bank-specific XML files
Bank-specific XML files are output in formatted form (line breaks and indentations).
XML declaration in banking XML files
The XML declaration <?xml version='1.0' encoding='utf-8' ?> is placed in front of bank-specific XML files.
Conversion of outdated payment order files
Payment order files in SEPA pain format are automatically upgraded to a current version. The conversion only takes place for versions that are no longer valid according to the RDT agreement, according to the following scheme:
Asynchronous file processing
Payment transaction files are processed asynchronously after submission. Recommended for large files (>2 MB).
Conversion of payment order files into country-specific formats
Automatic conversion of submitted SEPA payments into the country-specific target format. The target format depends on the ISO country code of the respective EBICS contact.
Note: Due to content restrictions, conversion is not possible in all cases. Possible conversions can be found in the following tables:
💛 Conversion is not intended. The original document is returned.
❌ Conversion is not possible (unknown pain formats or serious differences in source and target XSD scheme).
✅ Conversion is possible: errors may occur depending on the assignment of the fields.