Some general notes that apply to all end points that retrieve transactions:
Where multiple transactions are returned, transactions should be ordered according to effective date in descending order
As the date and time for a transaction can alter depending on status and transaction type two separate date/times are included in the payload. There are still some scenarios where neither of these time stamps is available. For the purpose of filtering and ordering it is expected that the data holder will use the “effective” date/time which will be defined as:
Posted date/time if available, then
Execution date/time if available, then
A reasonable date/time nominated by the data holder using internal data structures
For transaction amounts it should be assumed that a negative value indicates a reduction of the available balance on the account while a positive value indicates an increase in the available balance on the account
For aggregated transactions (ie. groups of sub transactions reported as a single entry for the account) only the aggregated information, with as much consistent information across the subsidiary transactions as possible, is required to be shared
The Fiskil Data Provider will include a self-signed JWT as a Bearer token in the Authorization header.
You should verify this JWT using the JWKS URL you can find for your Data Provider instance in the Fiskil Console. To verify the JWT you must:
Verify the signature
Ensure the token has not expired by checking the exp claim
The sub and iss claims are your data provider subdomain
The aud claim is the URI of the resource being requested (excluding any query parameters)
The jti value is unique
For further detail on security and authentication refer to our Authentication documentation
Constrain the request to records with effective time at or after this date/time. If absent defaults to newest-time minus 12 months. Format is an RFC3339 Datetime string.
Constrain the request to records with effective time at or before this date/time. If absent defaults to current date/time. Format is an RFC3339 Datetime string.
Filter transactions to only transactions where this string value is found as a substring of either the reference or description fields. Format is arbitrary ASCII string. This parameter is optionally implemented by data holders. If it is not implemented then a response should be provided as normal without text filtering applied and an additional boolean field named isQueryParamUnsupported should be included in the meta object and set to true (whether the text parameter is supplied or not)
URL Query parameters to obtain different pages of the response. Fiskil will combine these with the rest of the request URL to build full link URLs in the final response.
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AUD assumed if not present","type":"string","x-cds-type":"CurrencyString","uniqueKey":"data.transactions.items.[INDEX].currency","typeLabel":"string"},"merchantName":{"description":"Name of the merchant for an outgoing payment to a merchant","type":"string","uniqueKey":"data.transactions.items.[INDEX].merchantName","typeLabel":"string"},"merchantCategoryCode":{"description":"The merchant category code (or MCC) for an outgoing payment to a merchant","type":"string","uniqueKey":"data.transactions.items.[INDEX].merchantCategoryCode","typeLabel":"string"},"billerCode":{"description":"BPAY Biller Code for the transaction (if available)","type":"string","uniqueKey":"data.transactions.items.[INDEX].billerCode","typeLabel":"string"},"billerName":{"description":"Name of the BPAY biller for the transaction (if available)","type":"string","uniqueKey":"data.transactions.items.[INDEX].billerName","typeLabel":"string"},"crn":{"description":"BPAY CRN for the transaction (if available).\u003cbr/>Where the CRN contains sensitive information, it should be masked in line with how the Data Holder currently displays account identifiers in their existing online banking channels. 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Some general notes that apply to all end points that retrieve transactions: - Where multiple transactions are returned, transactions should be ordered according to effective date in descending order - As the date and time for a transaction can alter depending on status and transaction type two separate date/times are included in the payload. There are still some scenarios where neither of these time stamps is available. 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