Enable Banking Changelog | August 2024

As always if you have any questions, feel free to reach out to us at support.api@enablebanking.com.

Significant Changes and Updates

Payment Status Webhooks Extension

We have enhanced our payment webhooks to include information into payment authorisation. The payment status webhooks now indicate whether payment authorisation by an end-user was successful, failed, or is still in progress. The new payment_auth_status field in the webhook payload can contain the values FAILED, CANCELLED, FINALISED, or PENDING. If payment authorisation has not yet been initiated by the end-user, the field will not be set.

For more information about our webhooks, please refer to our documentation page here.

Update to ASPSP Status Monitoring Algorithms

Our algorithms for monitoring the status of open banking APIs provided by ASPSPs under PSD2 now consider authorization success rates. Previously, the algorithms relied solely on information regarding the success or failure of account information retrieval and payment statuses. As a result, we had to manually monitor authorisation rates and there were sometimes delays in detecting problems with authentication and authorisation. The refined algorithms taking authorisation success rates into account help to identify situations where data retrieval functions correctly, but authorisation is faulty.

Core Aggregation Updates

• Added support for the SHA512 algorithm, which is necessary for the implementation of authorisation with certain ASPSPs in compliance with PSD2 Open Banking standards.

• Introduced the finalSuccessfulStatuses metadata for payment types, enabling recognition that the payment status is not expected to change further once it has reached ACSC or ACCC. This update is especially important for some ASPSPs, particularly in Germany, which do not provide status updates after certain intermediate statuses are reached.

Integration Updates

Our ongoing efforts to refine and expand our integration network ensure robust and efficient banking solutions. Check out the latest updates across our connectors.

Beta Launch: Now Available for More Countries

We’re excited to announce our beta launch into two new countries, bringing our robust Open Banking solution to even more markets. Expanding our coverage enables us to support our partners with comprehensive and reliable services across a growing number of regions. By extending our reach, we are extending our partners access to transactional data and enhancing their offerings.

• Bulgaria 🇧🇬: We have launched account information services with 19 integrations.

• Romania 🇷🇴: We have launched account information services with 14 integrations. 

You can test out our Open Banking demo UI for Bulgaria and Romania by clicking the country link.

New Integrations

The following AIS integrations have been added:

• Allianz Bank Blugaria (BG)

• Bulgarian American Credit Bank (BG)

• Banca Transilvania (RO)

• Bank Of Valetta (MT)

• Bulgarian Development Bank (BG)

• Central Cooperative Bank (BG)

• D Commerce Bank (BG)

• DSK Bank (BG)

• Fibank (BG)

• ibank (BG)

• Libra Internet Bank (RO)

• Nest Bank (PL)

• Postbank (BG)

• ProCredit Bank (BG)

• Raiffeisen (RO)

• tbi bank (BG)

• Tokuda Bank (BG)

• United Bulgarian Bank (BG)

Fixed and Improved Integrations

Integrations towards the following ASPSPs received various improvements and fixes: 

• Aachener Bank (DE)

• Abanca (ES)

• AIB (IE)

• Aktia (FI)

• Argenta (BE)

• Banca Popolare Di Sondrio (IT)

• Banco de Sabadell (ES)

• Bank Millennium (PL)

• Bank of Ireland (IE)

• Bankinter (ES, PT)

• Berliner Sparkasse (DE)

• Circle K EXTRA Mastercard (DK, NO, SE)

• Danske Bank (DK, FI, NO, SE)

• DKB (DE)

• Esso Mastercard (NO)

• Eurocaja Rural (ES)

• Eurocard (DK, FI, NO, SE)

• Finnair Plus Mastercard (FI, NO, SE)

• GlobeCard Mastercard (DK, NO)

• Handelsbanken (FI, NL, SE)

• Handelsbanken (FI, NL, SE)

• ICA Banken (SE)

• Iccrea Banca (IT)

• Ikano Bank (FI, NO, PL, SE)

• ING (BE, DE, ES, IT, LU, NL, RO)

• ING Bank Śląski (PL)

• INGO Mastercard (SE)

• Jyske Mastercard (DK)

• Knab (NL)

• Landkreditt Mastercard (NO)

• Landsbankinn (IS)

• Lunar (DK, NO, SE)

• Marginalen Bank (SE)

• mBank (PL)

• MBH Bank (HU)

• N26 (EU)

• NK Nyckeln Mastercard (SE)

• NLB (SI)

• Nordea (DK, FI, NO, SE)

• Nordea Corporate (DK, FI, NO, SE)

• Nordic Choice Club Mastercard (NO, SE)

• OBOS (NO)

• OP (FI)

• Opel Mastercard (SE)

• PayPal (EU)

• Paysera (EE, LT, LV)

• Paysera (EE, LT, LV)

• Pleo (AT, BE, DE, DK, EE, ES, FI, FR, GB, IE, IT, LU, NL, NO, SE)

• POP Pankki (FI)

• Revolut (EU)

• SaabKortet Mastercard (SE)

• SAS EuroBonus Mastercard (DK, FI, NO, SE)

• SBAB Bank (SE)

• Scandic Mastercard (SE)

• SEB (SE)

• SEB Selected (NO)

• SJ Prio Mastercard (SE)

• Skandia (SE)

• Spar Nord Bank (DK)

• Sparbanken Syd (SE)

• Svea Bank (SE)

• Swedbank (EE, LT, LV, SE)

• Triodos Bank (BE, NL)

• Volvo Mastercard (NO)

• Wallet Mastercard (SE)

• Zagrebačka banka (HR)

Integrations Extended

For the following ASPSPs, we've added support for the payment initiation functionality or extended the range of supported payment types, primarily to include Instant SEPA transfers:

• Allianz Bank Financial Advisors (IT)

• Banca Akros (IT)

• Banca Aletti (IT)

• Banca Euromobiliare (IT)

• Banca Monte dei Paschi di Siena (IT)

• Banca Nazionale del Lavoro (IT)

• Banca Passadore (IT)

• Banca Popolare Dell'Alto Adige (IT)

• Banca Popolare Di Sondrio (IT)

• Banco BPM (IT)

• Sparkasse (DE)

• BNL Corporate (IT)

• BPER Banca (IT)

• CheBanca! (IT)

• Credit Agricole Cariparma (IT)

• Credito Emiliano (IT)

• Deutsche Bank (DE, ES)

• DKB (DE)

• Findomestic Banca (IT)

• Hello Bank! (IT)

• Igea Digital Bank (IT)

• Intesa Sanpaolo (IT)

• Mooney (IT)

• Postpay (IT)

• UnipolPay (IT)

• Wise (EU)