--- updatedAt: 2026-03-25T11:19:29.000Z --- # Initiation for deferred payments # OpenAPI definition ```json { "openapi": "3.0.4", "info": { "title": "OpenBanking Services - Payments V2", "description": "APIs for initiating deferred/extended payment and getting its details and status.\nIn order to make test integration, please use https://test-openbanking.tbcbank.ge\n", "version": "2.0" }, "servers": [ { "url": "https://test-openbanking.tbcbank.ge" }, { "url": "https://openbanking.tbcbank.ge" } ], "paths": { "/v2/{deferred-payment-service}/{payment-product}/{paymentId}/initiations": { "post": { "tags": [ "ExtendedPaymentsInitiations" ], "summary": "Initiation for deferred payments", "parameters": [ { "name": "deferred-payment-service", "in": "path", "description": "

Values:

Values:

", "required": true, "schema": { "$ref": "#/components/schemas/DeferredPaymentService" } }, { "name": "payment-product", "in": "path", "description": "

Values:

Values:

", "required": true, "schema": { "$ref": "#/components/schemas/PaymentProductEnum" } }, { "name": "paymentId", "in": "path", "required": true, "schema": { "type": "string" } }, { "name": "X-Request-ID", "in": "header", "description": "ID of the request, unique to the call, as determined by the initiating party.", "required": true, "schema": { "type": "string", "format": "uuid" }, "example": "698a3904-49aa-481f-b51e-b027e2b998e5" } ], "requestBody": { "content": { "application/json": { "schema": { "$ref": "#/components/schemas/DeferredPaymentInitiationRequest" } } } }, "responses": { "201": { "description": "Created", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/PaymentInitiationResponse" }, "examples": { "Example 1: Payment initiation responce - without debtor": { "value": { "paymentId": "7cd2d0e2-60a6-4cc6-1b33-08dae1b181a1", "transactionStatus": "ACTC", "_links": { "scaOAuth": { "href": "https://dev-openbanking.tbcbank.ge/openbanking/oauth/.well-known/oauth-authorization-server" }, "self": { "href": "/0.8/v1/payments/domestic/7cd2d0e2-60a6-4cc6-1b33-08dae1b181a1" }, "status": { "href": "/0.8/v1/payments/domestic/7cd2d0e2-60a6-4cc6-1b33-08dae1b181a1/status" }, "scaStatus": { "href": "/0.8/v1/payments/domestic/7cd2d0e2-60a6-4cc6-1b33-08dae1b181a1/authorisations/df93472a-a86c-47f8-6d64-08dae1b187de" } } } }, "Example 2: Payment initiation responce - convertation": { "value": { "paymentId": "1c76b997-3028-4929-1b34-08dae1b181a1", "transactionStatus": "ACTC", "estimatedTotalAmount": { "currency": "GEL", "amount": "41.25" }, "estimatedInterbankSettlementAmount": { "currency": "USD", "amount": "15.00" }, "_links": { "scaOAuth": { "href": "https://dev-openbanking.tbcbank.ge/openbanking/oauth/.well-known/oauth-authorization-server" }, "self": { "href": "/0.8/v1/payments/aspsp/1c76b997-3028-4929-1b34-08dae1b181a1" }, "status": { "href": "/0.8/v1/payments/aspsp/1c76b997-3028-4929-1b34-08dae1b181a1/status" }, "scaStatus": { "href": "/0.8/v1/payments/aspsp/1c76b997-3028-4929-1b34-08dae1b181a1/authorisations/b3b12e5e-4ed8-4140-6d65-08dae1b187de" } } } } } } } }, "400": { "description": "Bad Request", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ApiProblemDetails" }, "examples": { "Error example when Ip address is empty": { "value": { "type": "https://developers.tbcbank.ge/docs/error-type-400", "title": "Ip address is empty", "status": 400, "detail": "Ip address is empty", "instance": "/cards/************", "code": "FORMAT_ERROR", "traceId": "00-2ddc00ce6479ee8d32702c2a2ae1d10c-fe571a473a809386-01" } }, "Error example when Consent not found": { "value": { "type": "https://developers.tbcbank.ge/docs/error-type-400", "title": "Consent not found", "status": 400, "detail": "Consent not found", "instance": "/cards/************", "code": "FORMAT_ERROR", "traceId": "00-2ddc00ce6479ee8d32702c2a2ae1d10c-fe571a473a809386-01" } }, "Error example when Consent has expired": { "value": { "type": "https://developers.tbcbank.ge/docs/error-type-400", "title": "Consent has expired", "status": 401, "detail": "Consent has expired", "instance": "/cards/************", "code": "CONSENT_EXPIRED", "traceId": "00-2ddc00ce6479ee8d32702c2a2ae1d10c-fe571a473a809386-01" } }, "Error example when Invalid consent": { "value": { "type": "https://developers.tbcbank.ge/docs/error-type-400", "title": "Invalid consent", "status": 401, "detail": "Invalid consent", "instance": "/cards/************", "code": "CONSENT_INVALID", "traceId": "00-2ddc00ce6479ee8d32702c2a2ae1d10c-fe571a473a809386-01" } }, "Error example when Invalid CardId": { "value": { "type": "https://developers.tbcbank.ge/docs/error-type-400", "title": "Invalid CardId", "status": 400, "detail": "Invalid CardId", "instance": "/cards/************", "code": "FORMAT_ERROR", "traceId": "00-2ddc00ce6479ee8d32702c2a2ae1d10c-fe571a473a809386-01" } }, "Error example when Card not found": { "value": { "type": "https://developers.tbcbank.ge/docs/error-type-400", "title": "Card not found", "status": 404, "detail": "Card not found", "instance": "/cards/************", "code": "RESOURCE_UNKNOWN", "traceId": "00-2ddc00ce6479ee8d32702c2a2ae1d10c-fe571a473a809386-01" } }, "Error example when Access exceeded": { "value": { "type": "https://developers.tbcbank.ge/docs/error-type-400", "title": "Too many request", "status": 429, "detail": "Too many request", "instance": "/cards/************", "code": "ACCESS_EXCEEDED", "traceId": "00-2ddc00ce6479ee8d32702c2a2ae1d10c-fe571a473a809386-01" } }, "Error example when User doesn't have userid or a customerid assigned to it": { "value": { "type": "https://developers.tbcbank.ge/docs/error-type-400", "title": "User doesn't have userid or a customerid assigned to it.", "status": 400, "detail": "User doesn't have userid or a customerid assigned to it.", "instance": "/cards/************", "code": "RESOURCE_BLOCKED", "traceId": "00-2ddc00ce6479ee8d32702c2a2ae1d10c-fe571a473a809386-01" } }, "Error example when User is not active": { "value": { "type": "https://developers.tbcbank.ge/docs/error-type-400", "title": "User is not active", "status": 400, "detail": "User is not active", "instance": "/cards/************", "code": "RESOURCE_BLOCKED", "traceId": "00-2ddc00ce6479ee8d32702c2a2ae1d10c-fe571a473a809386-01" } } } } } }, "500": { "description": "Internal Server Error", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ApiProblemDetails" }, "examples": { "Error example when Ip address is empty": { "value": { "type": "https://developers.tbcbank.ge/docs/error-type-400", "title": "Ip address is empty", "status": 400, "detail": "Ip address is empty", "instance": "/cards/************", "code": "FORMAT_ERROR", "traceId": "00-2ddc00ce6479ee8d32702c2a2ae1d10c-fe571a473a809386-01" } }, "Error example when Consent not found": { "value": { "type": "https://developers.tbcbank.ge/docs/error-type-400", "title": "Consent not found", "status": 400, "detail": "Consent not found", "instance": "/cards/************", "code": "FORMAT_ERROR", "traceId": "00-2ddc00ce6479ee8d32702c2a2ae1d10c-fe571a473a809386-01" } }, "Error example when Consent has expired": { "value": { "type": "https://developers.tbcbank.ge/docs/error-type-400", "title": "Consent has expired", "status": 401, "detail": "Consent has expired", "instance": "/cards/************", "code": "CONSENT_EXPIRED", "traceId": "00-2ddc00ce6479ee8d32702c2a2ae1d10c-fe571a473a809386-01" } }, "Error example when Invalid consent": { "value": { "type": "https://developers.tbcbank.ge/docs/error-type-400", "title": "Invalid consent", "status": 401, "detail": "Invalid consent", "instance": "/cards/************", "code": "CONSENT_INVALID", "traceId": "00-2ddc00ce6479ee8d32702c2a2ae1d10c-fe571a473a809386-01" } }, "Error example when Invalid CardId": { "value": { "type": "https://developers.tbcbank.ge/docs/error-type-400", "title": "Invalid CardId", "status": 400, "detail": "Invalid CardId", "instance": "/cards/************", "code": "FORMAT_ERROR", "traceId": "00-2ddc00ce6479ee8d32702c2a2ae1d10c-fe571a473a809386-01" } }, "Error example when Card not found": { "value": { "type": "https://developers.tbcbank.ge/docs/error-type-400", "title": "Card not found", "status": 404, "detail": "Card not found", "instance": "/cards/************", "code": "RESOURCE_UNKNOWN", "traceId": "00-2ddc00ce6479ee8d32702c2a2ae1d10c-fe571a473a809386-01" } }, "Error example when Access exceeded": { "value": { "type": "https://developers.tbcbank.ge/docs/error-type-400", "title": "Too many request", "status": 429, "detail": "Too many request", "instance": "/cards/************", "code": "ACCESS_EXCEEDED", "traceId": "00-2ddc00ce6479ee8d32702c2a2ae1d10c-fe571a473a809386-01" } }, "Error example when User doesn't have userid or a customerid assigned to it": { "value": { "type": "https://developers.tbcbank.ge/docs/error-type-400", "title": "User doesn't have userid or a customerid assigned to it.", "status": 400, "detail": "User doesn't have userid or a customerid assigned to it.", "instance": "/cards/************", "code": "RESOURCE_BLOCKED", "traceId": "00-2ddc00ce6479ee8d32702c2a2ae1d10c-fe571a473a809386-01" } }, "Error example when User is not active": { "value": { "type": "https://developers.tbcbank.ge/docs/error-type-400", "title": "User is not active", "status": 400, "detail": "User is not active", "instance": "/cards/************", "code": "RESOURCE_BLOCKED", "traceId": "00-2ddc00ce6479ee8d32702c2a2ae1d10c-fe571a473a809386-01" } } } } } } } } } }, "components": { "schemas": { "ApiProblemDetails": { "type": "object", "properties": { "type": { "type": "string", "nullable": true }, "title": { "type": "string", "nullable": true }, "status": { "type": "integer", "format": "int32", "nullable": true }, "detail": { "type": "string", "nullable": true }, "instance": { "type": "string", "nullable": true }, "code": { "type": "string", "nullable": true }, "traceId": { "type": "string", "nullable": true }, "errors": { "type": "object", "additionalProperties": { "type": "array", "items": { "type": "string" }, "nullable": true }, "nullable": true } }, "additionalProperties": {} }, "AuthenticationObject": { "type": "object", "properties": { "authenticationType": { "type": "string", "nullable": true }, "authenticationVersion": { "type": "string", "nullable": true }, "authenticationMethod": { "type": "string", "nullable": true }, "name": { "type": "string", "nullable": true }, "explanation": { "type": "string", "nullable": true } }, "additionalProperties": false }, "ChallengeData": { "type": "object", "properties": { "image": { "type": "string", "nullable": true }, "data": { "type": "string", "nullable": true }, "imageLink": { "type": "string", "nullable": true }, "otpMaxLength": { "type": "integer", "format": "int32" }, "otpFormat": { "type": "string", "nullable": true }, "additionalInformation": { "type": "string", "nullable": true } }, "additionalProperties": false }, "DeferredPaymentInitiationRequest": { "type": "object", "properties": { "paymentIdentification": { "$ref": "#/components/schemas/PaymentIdentification" }, "instructedAmount": { "$ref": "#/components/schemas/InstructedAmount" }, "remittanceInformationUnstructured": { "maxLength": 140, "type": "string", "description": "გადახდის დანიშნულება, არასტრუქტურირებული სახით, ზომის შეზღუდვის გარეშე\nRemittance Information Unstructured\nmaxLength: 140\nexample: Text, maximum of 140 characters.", "nullable": true }, "remittanceInformationStructured": { "nullable": true }, "closingFlag": { "type": "boolean", "nullable": true } }, "additionalProperties": false }, "DeferredPaymentService": { "enum": [ "deferred-payments", "secured-deferred-payments", "multiple-deferred-payments", "secured-multiple-deferred-payments" ], "type": "string", "description": "

Values:

", "x-enumNames": [ "deferred-payments", "secured-deferred-payments", "multiple-deferred-payments", "secured-multiple-deferred-payments" ] }, "HrefTypeDto": { "type": "object", "properties": { "href": { "type": "string", "nullable": true } }, "additionalProperties": false }, "InstructedAmount": { "type": "object", "properties": { "currency": { "type": "string", "description": "ლength: 3\npattern: [A-Z]{3}\nexample: GEL", "nullable": true }, "amount": { "type": "string", "description": "pattern: -?[0-9]{1,14}(\\.[0-9]{1,3})?\nThe amount given with fractional digits, where fractions must be compliant to the currency definition.Up to 14 significant figures. Negative amounts are signed by minus. The decimal separator is a dot. Example: Valid representations for EUR with up to two decimals are:1056, 5768.2, -1.50, 5877.78", "nullable": true } }, "additionalProperties": false }, "LinksPaymentInitiation": { "type": "object", "properties": { "scaRedirect": { "$ref": "#/components/schemas/HrefTypeDto" }, "scaOAuth": { "$ref": "#/components/schemas/HrefTypeDto" }, "startAuthorisation": { "$ref": "#/components/schemas/HrefTypeDto" }, "startAuthorisationWithPsuIdentification": { "$ref": "#/components/schemas/HrefTypeDto" }, "startAuthorisationWithPsuAuthentication": { "$ref": "#/components/schemas/HrefTypeDto" }, "startAuthorisationWithEncryptedPsuAuthentication": { "$ref": "#/components/schemas/HrefTypeDto" }, "startAuthorisationWithAuthenticationMethodSelection": { "$ref": "#/components/schemas/HrefTypeDto" }, "startAuthorisationWithTransactionAuthorisation": { "$ref": "#/components/schemas/HrefTypeDto" }, "self": { "$ref": "#/components/schemas/HrefTypeDto" }, "status": { "$ref": "#/components/schemas/HrefTypeDto" }, "scaStatus": { "$ref": "#/components/schemas/HrefTypeDto" } }, "additionalProperties": false }, "PaymentIdentification": { "type": "object", "properties": { "endToEndId": { "type": "string", "description": "გადარიცხვის უნიკალური და მკაფიო იდენტიფიკატორი, რომელიც გადარიცხვას მიანიჭა გადარიცხვის ინიციატორმა, გადარიცხვის მიმღებისათვის მიწოდების მიზნით.\nძირითადად გამოიყენება დავალებების დაკავშირებისათვის, ასევე დავალების დასაკავშირებლად დავალების ინიციატორსა და მიმღებს შორის არსებულ რაიმე სხვა დოკუმენტებთან(მაგ.ინვოისებთან). \nmaxLength: 35\nexample: Text, maximum of 35 characters.", "nullable": true }, "instructionId": { "type": "string", "description": "გადარიცხვის დავალების უნიკალური იდენტიფიკატორი, რომელსაც ანიჭებს დავალების ინიციატორი, ამ დავალების ცალსახად და მკაფიოდ იდენტიფიცირებისთვის\nmaxLength: 35\nexample: Text, maximum of 35 characters.", "nullable": true } }, "additionalProperties": false }, "PaymentInitiationResponse": { "type": "object", "properties": { "paymentId": { "type": "string", "description": "Resource identification of the generated payment initiation resource.", "nullable": true }, "transactionStatus": { "type": "string", "description": "Transaction status", "nullable": true }, "transactionFees": { "$ref": "#/components/schemas/InstructedAmount" }, "currencyConversionFee": { "$ref": "#/components/schemas/InstructedAmount" }, "estimatedTotalAmount": { "$ref": "#/components/schemas/InstructedAmount" }, "estimatedInterbankSettlementAmount": { "$ref": "#/components/schemas/InstructedAmount" }, "transactionFeeIndicator": { "type": "boolean", "description": "If equals true, the transaction will involve specific transaction cost as shown by the ASPSP in their public price list or as agreed between ASPSP and PSU.If equals false, the transaction will not involve additional specific transaction costs to the PSUunless the fee amount is given specifically in the data elements transactionFees and/or currencyConversionFees.If this data element is not used,there is no information about transaction fees unless the fee amount is given explicitly in the data element transactionFees and/or currencyConversionFees.", "nullable": true }, "scaMethods": { "type": "array", "items": { "$ref": "#/components/schemas/AuthenticationObject" }, "description": "This data element might be contained, if SCA is required and if the PSU has a choice between different authentication methods. Depending on the risk management of the ASPSP this choice might be offered before or after the PSU has been identified with the first relevant factor, or if an access tokenis transported. If this data element is contained, then there is also a hyperlink of type \"startAuthorisationWithAuthenticationMethodSelection\"contained in the response body.These methods shall be presented towards the PSU for selection by the TPP.", "nullable": true }, "chosenScaMethod": { "$ref": "#/components/schemas/AuthenticationObject" }, "challengeData": { "$ref": "#/components/schemas/ChallengeData" }, "_links": { "$ref": "#/components/schemas/LinksPaymentInitiation" }, "psuMessage": { "type": "string", "description": "Text to be displayed to the PSU", "nullable": true } }, "additionalProperties": false }, "PaymentProductEnum": { "enum": [ "aspsp", "domestic", "foreign" ], "type": "string", "description": "

Values:

", "x-enumNames": [ "aspsp", "domestic", "foreign" ] } } }, "x-readme": { "explorer-enabled": true, "proxy-enabled": true } } ```