Overview

Quick Start Guide

Account Lookup API

TechnoXander is pleased to offer its Account Lookup API to Payment Service Providers (PSPs) looking to respond to Name Verification requests during the payment process.

The Account Lookup API allows PSPs to send requests containing minimal identifiers such as Account Type, Account Number, Sort Code, Name, and Secondary Identification. The API checks this against available customer records and returns a list of potential matching accounts if found.

The API is designed to be compliant with relevant privacy and data security standards.

By designing solutions around this API, PSPs can gain access to Confirmation of Payee functionality without having to integrate directly with each bank. The API abstracts the underlying routing logic, allowing developers to focus only on calling endpoints and processing responses. Transactions are digitally signed for security, ensuring that sensitive financial data is never stored and remains under the owner's control.

TechnoXander is fully prepared to integrate with all CoP-enabled PSPs, offering a seamless and fully compliant payment verification service. Interested parties are invited to review the technical specifications and register for CoP access.

The API specifications comply fully with Pay.UK requirements for the submission of Confirmation of Payee requests. This establishes a common standard for request submissions and response receipts across PSPs of all sizes.

To support the needs of different Responder PSPs to enable querying against the Customer Account information, TechnoXander provides 4 integration options:

Core Banking Integration

Database Integration

Secure File Transfer

File Upload via Responder Portal

Each integration option is explained in detail below.

A. Core Banking Integration

Simplify account lookups across your core banking systems using the Account Lookup API.

Key Benefits

Unified search across accounts through a single endpoint

Standardised response format hides the complexity of underlying systems

Near real-time results by aggregating multiple backend queries

Handles authentication, authorisation when calling core banking APIs

Scalable architecture that minimises the load on core banking infrastructure

Can be customised to work with all major Core Banking Systems

Quick implementation Timeframe of 1 week

How It Works

When the Requester PSP initiates a Name Verification Request, the TechnoXander CoP Responder module in turn initiates an Account Lookup API Request with the Responder PSPs Core Banking systems (e.g. Temenos T24, BaNCS, Oracle Flexqube, Finacle, etc.) simultaneously. It then standardises and returns the aggregated response to the CoP Responder Module while maintaining high performance.

B. Database Integration

Easily search and retrieve customer account data from your backend database through a centralised integration API.

Key Benefits

Unified search and filtering across all account types

Standardised response format abstracts database schema

Near real-time results by directly querying the accounts database

Handles authentication, authorisation for database access

Scalable architecture to minimise load on database servers

Can be customised to work with all major Databases

Quick implementation Timeframe of 1 week

How It Works

When the Requester PSP initiates a Name Verification Request, the TechnoXander CoP Responder module in turn initiates an Account Lookup API Request query with the Responder PSPs Accounts Database (e.g. MySQL, PostgreSQL, MongoDB, Oracle, etc.) simultaneously. It then standardises and returns the aggregated response to the CoP Responder Module while maintaining high performance.

C. Secure File Transfer

Quickly search and retrieve customer account data through a simple API integrated with your secure CSV files.

Key Benefits

Search accounts by Customer Identifier, Name, Account Number and Sort Code

Results return instantly from parsed CSV files

Standardised JSON response for easy consumption

Handles authentication and authorisation

Quick implementation Timeframe of 24 hours

How It Works

When the Requester PSP initiates a Name Verification Request, the TechnoXander CoP Responder module in turn initiates an Account Lookup API Request query with the Responder PSPs CSV file stored in a Secure server. It then standardises and returns the aggregated response in JSON to the CoP Responder Module while maintaining high performance.

D. File upload in Responder Portal

Quickly search and retrieve customer account data from TechnoXander backend where the Responder PSP has previously uploaded the Customer Account data through the Responder Portal.

Key Benefits

Unified search and filtering across all account types

Standardised response format

Near real-time results

Handles authentication and authorisation

Quick implementation Timeframe of 24 hours

How It Works

When the Requester PSP initiates a Name Verification Request, the TechnoXander CoP Responder module in turn initiates an Account Lookup API Request to the TechnoXander Backend where the Responder PSP has previously uploaded the Customer Account data through the Responder Portal. It then standardises and returns the aggregated response to the CoP Responder Module while maintaining high performance.

Confirmation of Payee (CoP) Responder

Account Lookup API#

A. Core Banking Integration#

Key Benefits#

How It Works#

B. Database Integration#

Key Benefits#

How It Works#

C. Secure File Transfer#

Key Benefits#

How It Works#

D. File upload in Responder Portal#

Key Benefits#

How It Works#

Account Lookup API

A. Core Banking Integration

Key Benefits

How It Works

B. Database Integration

Key Benefits

How It Works

C. Secure File Transfer

Key Benefits

How It Works

D. File upload in Responder Portal

Key Benefits

How It Works