As part of the Open Banking framework for Payment Initiation Service Providers (PIISPs), Adyen provides a PIISP endpoint to confirm available funds on behalf of users who have granted their consent.
Use your access token to authenticate your requests to the /funds-confirmations
endpoint.
Confirm funds
To ensure that the user's account has sufficient funds to cover the payment amount, make a POST /funds-confirmations
request. Provide the following parameters in the request body:
Parameter | Description |
---|---|
instructedAmount |
The currency and the amount of the payment. |
account |
The account number for which the funds availability needs to be checked. |
The following request checks if the IBAN has EUR 10.50 available.
curl --location 'https://openbanking-psd2-test.adyen.com/obeu/piis/v1/funds-confirmations' \ --header 'X-Request-ID: 958f9fc2-c40b-11ed-afa1-0242ac120002' \ --header 'ssl_client_cert: MIIEkzCCAnsCCQCK8zUdUQEjjDANBgkqh...' \ --header 'PSU-IP-Address: 11' \ --header 'Content-Type: application/json' \ --header 'Authorization: Bearer {access_token}' \ --data '{ "instructedAmount": { "currency": "EUR", "amount": "10.50" }, "account": { "iban": "NL07ADYX0000000009" } }'
The response contains a boolean fundsAvailable
that indicates whether the instructed amount is available.
{ "fundsAvailable": true }