Changelog

Account closure capability in Accounts API.

New RECIPIENT_UPDATED event to notify on recipient record updates.

Pay-by-Card changes in recipient API.

Enable digital signature requirement for POST request payloads.

Description Digital signature annotations added (commented until UAT sync issues fixed).

Accounts

Optional closure reason on account closure, and new enum for MSS order notifications. Adjustments to routing code regex to allow for more international options.

Expansion of certain regex validations to support non-US accounts. Additional webhook models for Account V2 work, visible to the client, but they were not able to subscribe.

• Updates and fixes to mocks, and move mocks into this repo (client visible).
• Adjustment to server list to fix PayEdge routing for testing (not client visible).

• The "Attester Full Name" field in the client section is now deprecated.
• The "Document Types" field in the Document Request Response API is deprecated.
• The maximum length for the "First Name" and "Last Name" fields in Individual Details has been increased to 40 characters.
• The description for the Government ID value has been updated, specifying that the Employer Identification Number (EIN) must consist of 9 numeric digits for the United States.
• The size of the Document Request ID has been increased to 30 characters.

• The server domain and endpoints have been updated to utilize new routing endpoints.
• The IdempotencyKey has been introduced as an optional header for the following endpoints:
  • POST /v1/clients
  • PATCH /v1/clients/{clientId}
  • POST /v1/clients/{clientId}/verifications
  • POST /v1/document-requests/{id}/submit
  • POST /v1/documents
  • POST /v1/parties
  • PATCH /v1/parties/{partyId}
  • POST /v1/parties/{partyId}/validations
• Added response code 409 - Conflict to indicate a concurrent request has been detected.
• Added response code 422 - Unprocessable Entity to indicate that the request could not be processed due to semantic errors. Please refer to the error response for details.
• For the individualIds value field:
  • A pattern has been added: ^[A-Za-z0-9-/.\s+&]*$
  • A description has been added: "Please enter a valid Government ID value. SSN/EIN/ITIN must consist of 9 digits for the US. The length should be between 1 and 20 characters."
• For the organizationIds value field:
  • A pattern has been added: ^[A-Za-z0-9-/.\s+&]*$
• In the DocumentRequestRequirement object, the minRequired field's minimum value has been updated to 0 for items that are optional.
• The Document Upload request object has been updated to support multipart/form-data:
  • File is a binary file.
  • documentData contains document metadata as a JSON object, e.g., {"documentType":"DRIVERS_LICENSE","documentRequestId":"50002"}.
• The following party fields have been marked as deprecated:
  • "Individual ID.Description"
  • "Organization Ids.Description"
  • "Individual ID.ExpiryDate"
  • "Organization Ids.ExpiryDate"
• The following individual details fields have been marked as deprecated:
  • "SocialMedia.ProfilePlatform"
  • "SocialMedia.UserName"
• The party field "State" has an updated description: "The 2-3 character length state code should be provided in alpha-2 format, adhering to ISO-3166-2. State is mandatory in the US. In Great Britain, for example, the City of London would be LND. State would serve as Province in countries where applicable."
• The party field "City" has an updated description: "City has a maximum of 34 characters. City would serve as County in countries where applicable."
• The following party fields have been marked as deprecated:
  • "Organization Details.WebsiteAvailable"
  • "ValidationResponse.Comments"
  • "ValidationResponse.Identities"
  • "Status"

A new event type of "ACCOUNT_UPDATED" has been added.

A new event type of "RECIPIENT_ACCOUNT_VALIDATION" has replaced these following event types:
          RECIPIENT_READY_FOR_VALIDATION,
          RECIPIENT_READY_FOR_VALIDATION_EXPIRED,
          RECIPIENT_READY_FOR_VALIDATION_REMINDER

GET /v1/recipients, POST /v1/recipients, GET /v1/recipients/{id}, POST /v1/recipients/{id} - The response property account/type became optional for all responses.

GET /v1/recipients, GET /v1/recipients/{id} - The nested responses in the accountValidationResponse block now provide an optional description field, which will be populated with additional information in case the account validation result is negative.

POST /v1/recipients/{id} - The validations on the field account.routingInformation.items.routingNumber have been updated to match the back-end validations. This field now has minLength of 1 (up from zero) and a regex of "^[0-9a-zA-Z]{3,13}$".

Error codes and definitions have been updated. Check error codes documentation for more details. 

In the OAS, the description of address fields was updated to address a discrepancy with the maxLength property.

You can now make payments using RTP and Wire transaction types. To ensure this is possible, you must add the relevant routing and address information for your client's linked account. 

You can also update existing linked account details to include RTP and wire routing information. 

POST /ef/v2/transactions  - changed the pattern of the request property "transactionReferenceId" from "^(.|\s)*\S(.|\s)*$" to "[_0-9A-Za-z]+". 

 New recipients notifications: 

• READY_FOR_VALIDATION
• RECIPIENT_READY_FOR_VALIDATION_REMINDER
• RECIPIENT_READY_FOR_VALIDATION_EXPIRED

You can now request direct debit payments from your clients if you pay them directly (without creating an account for them).