Payments HU API

Payment APIs

The Payments API allows third party applications to initiate payments from a bank client's account on his behalf.

Clients

Sandbox: Test data to be used for request messages is provided in Test Data page; please use test data provided for payment initiation through Third Party Providers for testing purposes.

Real API: Payment initiation through Third Party Providers can be used by Raiffeisen Bank Zrt. clients who have access to an open current account available on Internet/ Mobile banking.

Type of payment services

The following payment services are available through PISP API:

  • Payments -> for single payments (immediate and future dated)
  • Periodic-payments -> for periodic payments

Type of payment products

The following payment products are available through PISP API:

  • Single domestic payments -> for payments in HUF currency and IBAN starts with “HU”
  • Single SEPA payments (according to BGS: sepa-credit-transfers) -> payments in EUR currency within EEA area, destination bank is SEPA reachable
  • Single foreign payments (according to BGS: cross-border-credit-transfers) -> any other payment not meeting the conditions above
  • Periodic payments

The bank performs the regular checks and validations as for payments initiated by clients directly through Raiffeisen channels, including availability of funds.

Payment type is decided automatically by Raiffeisen Bank Zrt. depending on the payment details of initiated payment.

Available options and conditions are listed below:

  • Single Domestic payment:

    • Instructed ccy is the local currency = HUF, and
    • Currency of the Payer's IBAN/AccountId = HUF, and
    • Beneficiary IBAN belongs to a Hungarian bank (first 2 char from IBAN=HU), and
    • If payee IBAN belongs to RBHU, then currency of the payee IBAN has to be in HUF (for intrabank payments)
    • the transaction amount is should not be decimal (e.g. 255HUF and not 255.50HUF)
  • Single SEPA payment:

    • transaction currency is „EUR“ and
    • the destination bank is SEPA reachable, and
    • all mandatory fields for SEPA payment are filled
  • Single Foreign payment:

    • Instructed ccy<> local currency (HUF) , irrespective of the ccy of the payer's IBAN/account - if the instructed currency is EUR then the backend system will automatically process it as a single SEPA payment instead of foreign single payment or
    • Instructed ccy=HUF and beneficiary IBAN belongs to banks outside Hungary (first 2 char from of the IBAN<>HU). This means EXTERNAL payments or
    • Instructed ccy=HUF and the payer's (debitor) account is different from the local currency (HUF)
    • Creditor account should be in IBAN format; otherwise, if non-IBAN format is used then Creditor agent is mandatory and should contain BIC (8 or 11 char).
  • Periodical payment (standing orders):

    • Instructed ccy is the local currency = HUF
    • Beneficiary IBAN belongs to a Hungarian bank (first 2 char from IBAN=HU)
    • frequency must be valid value (Daily, Weekly, Bi-weekly, Monthly, Quarterly, Half-yearly, Yearly)
    • due date is mandatory, depending on the frequency
    • The start date should be the next day at the earliest.
    • the transaction amount is should not be decimal (e.g. 255HuF and not 255.50HUF)

Payments between different currencies on the same account (currency conversions) are not supported.

The bank performs the regular checks and validations as for payments initiated by clients directly through Raiffeisen channels, including availability of funds.

Additional validations:

  • For Single payments:

    • It can be instructed as immediate or future dated.
      • In Sandbox: 30 days scheduled clean-up anyway deletes payments with later executionDate
    • In Sandbox the Execution date in the past is not allowed.
    • Future dated payments that involves FX rate are not allowed
  • For periodic payments:

    • It can be instructed with startDate immediate or future date (30 days scheduled clean-up anyway deletes payments with later executionDate).
    • Start date is mandatory and in the past and today is not allowed.
    • Periodic payments that involves FX rate are not allowed
    • Account balance is checked when payment is executed.
      • In Sandbox: in case of no available funds balance will be updated with instructed amount (including negative balance, if case)
      • In real API: reprocessing is possible, transaction is kept in an intermediate status; if customer will transfer enough money into his account until the next payment execution date, the transaction will be processed
    • Field executionRule: no value shall be instructed in field executionRule; otherwise the payment will be rejected
    • Field endDate if received empty:
      • In Sandbox: instructed payment will have no endDate, but 30 days scheduled clean-up will delete it anyway
      • In Real API: endDate will be prefilled with maximum endDate accepted = 10 years from payment initiation date; the calculated value of endDate field will be displayed in transaction details screen

Cut-off time

Sandbox: There are no cut-off time implemented in Sandbox.

Real API: Remember to check periods for payment order submitting in order to have payments processed at the time you request. Cut-off time periods for payments initiated via the current internet banking are available on our web:

https://www.raiffeisen.hu/web/english/useful-information

Payment Limits

Sandbox: There are no payment limits implemented in Sandbox.

Real API: Initiated payment processing is limited by transaction limit and daily limits as in Internet Banking.

Payment fees

Sandbox: There are no payment fees implemented in Sandbox.

Real API: Payments initiated through Third Party Providers are charged by Raiffeisen Bank Zrt. to clients the same as the payments initiated via internet banking.

Exchange rates and currencies

Sandbox: Exchange rates and currencies used for payments initiated through Third Party Providers in Sandbox are mentioned in Test Data page.

Real API: Exchange rates used for payments initiated through Third Party Providers are the same as one used for payments initiated via internet banking. In Real API available currencies will be: HUF, AUD, CAD, CHF, DKK, EUR, GBP, HRK, JPY, NOK, PLN, RON, RUB, SEK, TRY, USD