General use
Twikey has put in place several services enabling software partners, companies with own ERP or CRM systems, banks and other 3rd parties to exchange information. This page describes the different calls that are available to you. The calls allow integration in a number of ways.
Since there are numerous ways a company can allow its customers to pay, we also provided a couple of high level use-cases to get you up and running in no time.
All exchanges require a valid AuthorizationToken passed on as a header named "Authorization". The AuthorizationToken can be retrieved via the login call and is valid for 24h. We suggest that the call to the login is done when the actual call you wish to make is returning a 401. This way you don't need to handle the lifecycle of your token yourself.
Exchanges can be in both JSON & XML responses. By default they will be in JSON, but by giving the "Accept" header a value of 'application/xml', you can get an xml payload.
Errors can be divided into 2 categories. The first category are errors based on user input for which we return a 400 error with the code of the error mentioned in the response header "ApiError'. The translated error can be found in the body of the required exchange. The language is provided by the "Accept-Language" header or defaults to English. The second category of errors is one that you normally shouldn't run into a lot. In this case we return a 500 error which means that something went wrong on our end. We'll probably already know about it when you see the error.
Sample use cases
The fitness scenario
Imagine you're going to the fitness where you exercise every once in a while. Since this doesn't come free you pay a monthly subscription fee. This subscription fee is a recurring payment (we'll come back to that later). But since all those exercises get you thirsty, you want to drink there too. But of course, there are hotter and colder days. So how much you drink can vary.
Regardless of what you consume, the fitness wants to get paid. But you'd like to avoid getting out your wallet when you're all sweaty. So your fitness made the great decision to use direct debits to allow you to pay. At the end of the month they add the recurring amount to the one-off's (the drinks). They send the payment request to the bank. Everyone's happy and relax.
What did the fitness do to achieve this relaxed way of working:
First of all, everything starts with a mandate. When a customer enrolls at the fitness he fills in the details for the internal bookkeeping of the fitness. The same information is sent to the prepare call. This returns a URL (representing an unsigned mandate) that opens up after entering all details in the enrollment screen. Since the fitness has an internal subscription number they want to use to track payments and have multiple subscriptions (eg. with and without personal trainer) they add both parameters in the prepare call. Making it visible in the mandate overview.
Once the customer filled in the account info and signed the mandate he's sent back to the fitness website with a "thank you" message. When a customer ask for a drink at the bar, the cash register calls the transaction endpoint with the details and amount. These are one-off transactions. Recurring transactions can either be handled the same way or if a subscription parameter was added in the prepare call, a recurring transaction is automatically added every month to get this subscription paid. At the end of each month, the file is created and sent to the bank manually via the collect call or automatically every night. Your bill is paid and the bank sends you the money. When the bank sends us back the account information, it is marked in your transaction overview that the transaction was paid. This information can be retrieved by the payment call. This call returns all new payment information since the last call. If a payment didn't succeed, you can configure what will happen next in the interface in the dunning section.
The parking app scenario
Because my customers don't like running in the rain looking for a parking meter while there's an app for that. How can I use Twikey to get my parking fees paid? First of all, you need a mandate . There are three possible options to have this mandate signed:
Use an in-app browser with the link retrieved via the prepare call Use the sign call to invite the user to sign via an sms confirmation Use the sign call adding the manual signature as a png-image in the payload Once the mandate is signed, in-app purchases can be sent from the backend of the app, collected the same way as mentioned in the fitness scenario.
The (off-line) webshop scenario
I have a shop where people come in physically but I also have a webshop. I want people who signed a mandate (either online via the above flow or physically) to be able to purchase something from the online shop without requiring them to use their credit card and if possible give them the sameconvenience in the physical shop. This way I can send them an invoice every month by only registering their purchases and collecting the payment via direct debit.
In the past, I had to send out all invoices and patiently waited for them to be paid. Since I'm not the most patient person on earth and even a bit chaotic at times, I'd rather collect the money directly from my customers. This way they can't forget to pay and I don't need to remind them to do so. How convenient this is for both my customers and I.
Authentication
Login
When using the API the login call will provide you with an AuthorizationToken, which is to be send upon every subsequent call (via the authorization header) in order to use the api. If the creditor opted for enhanced security, the private key allows the generation of a Time-based One-time password. See Appendix C of the Creditor API documentation for a more detailed explanation or sample code on how to calculate this OTP (samples in various languages are available).
Normally this call is made on request of another call that returned a 401 (UNAUTHORIZED) indicating that there was no session token or that it expired.
Requires an API Token which can be found in the Twikey Creditor Dashboard
curl -X POST https://api.twikey.com/creditor /
-d apiToken=**API Token**$host = "https://api.twikey.com";
$apitoken = "**API_TOKEN**";
$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor");
curl_setopt($ch, CURLOPT_POST, 1);
curl_setopt($ch, CURLOPT_POSTFIELDS,"apiToken=$apitoken");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
$server_output = curl_exec ($ch);
$result = json_decode($server_output);
$authorization = $result->{'Authorization'} ;
curl_close ($ch);var https = require('https'),
querystring = require('querystring'),
host = "api.twikey.com",
apitoken = "**API_TOKEN**",
authorization = null,
options = {
host: host,
port: '443',
path: '/creditor',
method: 'POST',
headers: {
'Content-Type': 'application/x-www-form-urlencoded'
},
body:{
'apiToken' : apitoken
}
};
var req = https.request(options, function (res) {
authorization = res.headers.authorization;
console.log("authorization : ",authorization);
});public class TwikeyAPI {
private String host = "https://api.twikey.com",
apiToken = "**API_TOKEN**";
public void logIn(){
OkHttpClient client = new OkHttpClient();
RequestBody body = new FormBody.Builder()
.add("apiToken", apiToken)
.build();
Request request = new Request.Builder()
.url(host + "/creditor")
.post(body)
.addHeader("content-type", "application/x-www-form-urlencoded")
.build();
Response response = client.newCall(request).execute();
};
}public class TwikeyAPI {
private String host ="https://api.twikey.com",
apiToken ="**API_TOKEN**";
public void logIn(){
RestClient client = new RestClient(host + "/creditor");
RestRequest request = new RestRequest(Method.POST);
request.AddHeader("cache-control", "no-cache");
request.AddHeader("content-type", "application/x-www-form-urlencoded");
request.AddParameter("application/x-www-form-urlencoded",
"apiToken=" + apiToken,
ParameterType.RequestBody
);
IRestResponse response = client.Execute(request);
}
}This AuthorizationToken acts as a session token and has a validity of 24h.
HTTP Request
POST https://api.twikey.com/creditor
Query Parameters
| Name | Description | Required | Type |
|---|---|---|---|
| apiToken | API Token | Yes | string |
| otp | Value calculated based on salt and private key (if enhanced security) | No | long |
HTTP Response
| Code | Description |
|---|---|
| 200 | For security reasons, the http status is always 200, however for returning error codes specific to the call 2 additional response headers were added "ApiError" and "ApiErrorCode" which are added on every response that contains errors. Notible exceptions are authentication errors and authorisation errors that don't have these 2 headers. |
Logout
Invalidates the AuthorizationToken by making a GET request to /creditor
curl https://api.twikey.com/creditor \
-H 'authorization: authorization'$host = "https://api.twikey.com";
$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
curl_setOpt($ch, CURLOPT_HTTPHEADER, array(
"authorization: $authorization"
);
$server_output = curl_exec ($ch);
curl_close ($ch);var https = require('https'),
querystring = require('querystring'),
host = "api.twikey.com",
options = {
host: host,
port: '443',
path: '/creditor',
method: 'GET',
headers: {
'Content-Type': 'application/x-www-form-urlencoded',
'Authorization': authorization
}
};
var req = https.request(options, function (res) {
});public class TwikeyAPI {
private String host = "https://api.twikey.com";
public void logOut(){
OkHttpClient client = new OkHttpClient();
Request request = new Request.Builder()
.url(host + "creditor")
.get()
.addHeader("cache-control", "no-cache")
.addHeader("Authorization", authorization)
.build();
Response response = client.newCall(request).execute();
};
}public class TwikeyApi {
private String host = "https://api.twikey.com";
public void logOut(){
RestClient client = new RestClient(host + "/creditor");
RestRequest request = new RestRequest(Method.GET);
request.AddHeader("authorization", authorisation);
IRestResponse response = client.Execute(request);
}
}HTTP Request
GET https://api.twikey.com/creditor
HTTP Response
| Code | Description |
|---|---|
| 204 | Logged out succesfully |
Mandate
Invite a customer
Necessary to start with an eMandate. The end-result is a signed or protected shortlink that will allow the end-customer to sign a mandate. The (short)link can be embedded in your website or in an email or in a paper letter. We advise to use the shortlink as the data is not exposed in the URL's. The parameters are as described in detail on the page "Create contracts".
After signing the end-customer is either presented with a thank-you page or is redirected to an exit url defined on the template. This url can contain variables that are filled in depending on the outcome. See exit urls
Requires a ct_id which can be found in the Twikey Creditor Template overview
curl -X POST https://api.twikey.com/creditor/invite \
-H 'authorization: **authorization**' \
-d 'ct=**ct_id**' \
-d 'l=nl' \
-d 'email=support@twikey.com' \
-d 'lastname=Support' \
-d 'firstname=Twikey' \
-d 'mobile=32479123123' \
-d 'address=Derbystraat 43' \
-d 'zip="9051"' \
-d 'city=Sint Denijs Westrem' \
-d 'country=BE'$host = "https://api.twikey.com";
$ct = **ct_id**;
$authorisation = null; //collected through login
$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor/invite");
curl_setopt($ch, CURLOPT_POST, 1);
curl_setopt($ch, CURLOPT_POSTFIELDS,
"ct=$ct"
."&l=nl"
."&email=support%40twikey.com"
."&lastname=Support"
."&firstname=Twikey"
."&address=Derbystraat%2043"
."&zip=9051"
."&city=Sint%20Denijs%20Westrem"
."&country=BE"
);
curl_setOpt($ch, CURLOPT_HTTPHEADER,"authorization: $authorization");
$server_output = curl_exec ($ch);
$result = json_decode($server_output);
$url = $result->{'url'} ;
curl_close ($ch);var https = require('https'),
querystring = require('querystring'),
host = "api.twikey.com",
ct = "**ct_id**",
authorization = null, //collected through login
options = {
host: host,
port: '443',
path: '/creditor/invite',
method: 'POST',
headers: {
'Content-Type': 'application/x-www-form-urlencoded',
'Authorization': authorization
},
data: {
"ct": ct,
"l": "nl",
"email": "support@twikey.com",
"lastname": "Support",
"firstname": "Twikey",
"address": "Derbystraat 43",
"zip": "9051",
"city": "Sint Denijs Westrem",
"country": "BE"
}
};
var req = https.request(options, function (res) {
res.on('data', function (chunk) {
console.log("Redirect to : " + chunk)
});
});public class TwikeyApi{
private string host = "https://api.twikey.com";
private String ct = "**ct_id**";
private String authorisation = null; //collected through logIn
public void invite(){
OkHttpClient client = new OkHttpClient();
MediaType mediaType = MediaType.parse("application/x-www-form-urlencoded");
RequestBody formBody = new FormBody.Builder()
.add("ct", ct)
.add("l", "nl")
.add("email", "support@twikey.com")
.add("firstname", "Twikey")
.add("lastname", "Support")
.add("address", "Derbystraat 43")
.add("zip", "9051")
.add("city", "Sint-Denijs-Westrem")
.add("country", "BE")
.build();
Request request = new Request.Builder()
.url(host + "/creditor/invite")
.post(formBody)
.addHeader("Content-Type", "application/x-www-form-urlencoded")
.addHeader("Authorization", authorisation)
.addHeader("Cache-Control", "no-cache")
.build();
Response response = client.newCall(request).execute();
}
}public class TwikeyAPI {
private String host ="https://api.twikey.com",
ct ="**ct_id**",
authorisation = null; // collected through logIn
public void invite(){
RestClient client = new RestClient(host + "/creditor/invite");
RestRequest request = new RestRequest(Method.POST);
request.AddHeader("cache-control", "no-cache");
request.AddHeader("authorization", authorisation);
request.AddHeader("content-type", "application/x-www-form-urlencoded");
request.AddParameter("application/x-www-form-urlencoded",
"ct=" + ct +
"&l=nl" +
"&email=support%40twikey.com" +
"&lastname=Support" +
"&firstname=Twikey" +
"&address=Derbystraat%2043" +
"&zip=9051" +
"&city=Sint%20Denijs%20Westrem" +
"&country=BE"
, ParameterType.RequestBody
);
IRestResponse response = client.Execute(request);
}
}{
"mndtId": "COREREC01",
"url": "http://twikey.to/myComp/ToYG",
"key": "ToYG"
}HTTP Request
POST https://api.twikey.com/creditor/invite
Query Parameters
| Name | Description | Required | Type |
|---|---|---|---|
| ct | Contract template to use | Yes | integer |
| l | Language (en/fr/nl/de/pt/es/it) | No | string |
| iban | No | string | |
| bic | No | string | |
| mandateNumber | Mandate Identification number (if not generated) | No | string |
| No | string | ||
| lastname | No | string | |
| firstname | No | string | |
| mobile | mobile number required for sms (International format +32499123445) | No | string |
| address | Address (street + number) | No | string |
| city | City of debtor | No | string |
| zip | Zipcode of debtor | No | string |
| country | ISO format (2 letters) | No | string |
| companyName | the company name (if debtor is company) | No | string |
| vatno | the enterprise number (if debtor is company) | No | string |
| form | the legal form of the company (if debtor is company) | No | string |
| contractNumber | the contract number which can override the one defined in the template. | No | string |
| campaign | Campaign to include this url in | No | string |
| prefix | Optional prefix to use in the url (default companyname) | No | string |
| check | If an existing mandate exists, don't prepare a new (based on email + template(=ct)) | No | boolean |
| reminderDays | Send a reminder if contract was not signed after number of days | No | number |
| sendInvite | Send out invite email directly | No | boolean |
}HTTP Response
| Code | Description |
|---|---|
| 200 | If the check option is provided and an existing mandate is available it will be returned. Otherwise an url and key will be returned. |
| 400 | User error if parameter is given but not valid (available in apierror header and response) |
Error codes
| Code | Description |
|---|---|
| err_no_such_ct | No template found (or not active) |
| err_invalid_domain | Invalid domain |
| err_mandatenumber_required | No mandatenumber was given, while setting does not allow generation |
| err_double_mandatenumber | Signed mandate with the same mandatenumber already exists |
| err_missing_params | Attributes are missing while configured as mandatory |
Sign a mandate
Create a contract with an invitation/signature directly via API. Note that this call can require different parameters depending on the method of signature. All parameters are described in Create contracts When enabled for your contract it is possible to negiotiate mandates with their signature directly via API. Depending on the method the set of required parameters and/or handling may differ. Methods currently supported :
- sms: require the mobile parameter
- digisign a base64 encoded png should be provided as payload. (max 150 k)
- Challenge/Response
curl -X POST https://api.twikey.com/creditor/mandate/sign \
-H 'authorization: **authorization**'
-d 'method=sms' \
-d '&place=Gent' \
-d '&ct=**ct_id**' \
-d '&iban=BE68068897250734' \
-d '&bic=GKCCBEBB' \
-d '&email=sms%40twikey.com' \
-d '&lastname=Twikey' \
-d '&firstname=SMS' \
-d '&mobile=%2B32479123123' \
-d '&address=Derbystraat%2043' \
-d '&city=Gent' \
-d '&zip=9051' \
-d '&country=BE'$host = "https://api.twikey.com";
$ct = **ct_id**;
$authorisation = null; //collected through login
$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor/sign");
curl_setopt($ch, CURLOPT_POST, 1);
curl_setopt($ch, CURLOPT_POSTFIELDS,
"method=sms"
."&place=Gent"
."&ct=1323"
."&iban=BE68068897250734"
."&bic=GKCCBEBB"
."&email=sms%40twikey.com"
."&lastname=Twikey"
."&firstname=SMS"
."&mobile=%2B32479123123"
."&address=Derbystraat%2043"
."&city=Gent"
.'&zip=9051'
."&country=BE"
);
curl_setOpt($ch, CURLOPT_HTTPHEADER, "authorization: $authorization");
$server_output = curl_exec ($ch);
$result = json_decode($server_output);
$mandateId = $result->{'MndtId'} ;
curl_close ($ch);var https = require('https'),
querystring = require('querystring'),
host = "api.twikey.com",
ct = "**ct_id**",
authorization = null, //collected through login
options = {
host: host,
port: '443',
path: '/creditor/sign',
method: 'POST',
headers: {
'Content-Type': 'application/x-www-form-urlencoded',
'Authorization': authorization
},
data: {
"method": "sms",
"place": "Gent",
"ct": ct,
"l": "nl",
"email": "support@twikey.com",
"lastname": "Support",
"firstname": "Twikey",
"mobile": "+32479123123",
"address": "Derbystraat 43",
"zip": "9051",
"city": "Sint Denijs Westrem",
"country": "BE"
}
};
var req = https.request(options, function (res) {
res.on('data', function (chunk) {
console.log("manatenumber: " + chunk)
});
});public class TwikeyApi{
private string host = "https://api.twikey.com";
private String ct = "**ct_id**";
private String authorisation = null; //collected through logIn
public void inviteAndSign(){
OkHttpClient client = new OkHttpClient();
RequestBody body = new FormBody.Builder()
.add("ct",ct)
.add("method", "sms")
.add("place"="Gent")
.add("mobile","+32479123123")
.add("l","nl")
.add("email","support%40twikey.com")
.add("lastname","Support")
.add("firstname","Twikey")
.add("address","Derbystraat%2043")
.add("zip","9051")
.add("city","Sint Denijs Westrem")
.add("country","BE")
.build();
Request request = new Request.Builder()
.url(host + "/creditor/sign")
.post(body)
.addHeader("content-type", "application/x-www-form-urlencoded")
.addHeader("authorization", authorisation)
.addHeader("cache-control", "no-cache")
.build();
Response response = client.newCall(request).execute();
}
}public class TwikeyAPI {
private String host ="https://api.twikey.com",
ct ="**ct_id**",
authorisation = null; // collected through logIn
public void inviteAndSign(){
RestClient client = new RestClient(host + "/creditor/sign");
RestRequest request = new RestRequest(Method.POST);
request.AddHeader("cache-control", "no-cache");
request.AddHeader("authorization", authorisation);
request.AddHeader("content-type", "application/x-www-form-urlencoded");
request.AddParameter("application/x-www-form-urlencoded",
"method=sms" +
"&place=Gent"
"&ct="+ ct +
"&iban=BE68068897250734" +
"&bic=GKCCBEBB" +
"&email=sms%40twikey.com" +
"&lastname=Twikey" +
"&firstname=SMS" +
"&mobile=%2B32479123123" +
"&address=Derbystraat%2043" +
"&city=Gent" +
"&zip=9051" +
"&country=BE" +
, ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
}
}{
"mndtId": "COREREC01",
"url": "http://twikey.to/myComp/ToYG",
"key": "ToYG"
}HTTP Request
POST https://api.twikey.com/creditor/mandate/sign
Query Parameters
| Name | Description | Required | Type |
|---|---|---|---|
| ct | Contract template to use | Yes | number |
| l | Language (en/fr/nl/de/pt/es/it) | No | string |
| method | Method to sign (sms/digisign/...) | Yes | string |
| mandateNumber | Mandate Identification number (if not generated) | No | string |
| iban | Yes | string | |
| bic | Yes | string | |
| No | string | ||
| lastname | No | string | |
| firstname | No | string | |
| mobile | mobile number required for sms (International format +32499123445) | No | string |
| address | Address (street + number) | No | string |
| city | No | string | |
| zip | No | string | |
| country | ISO format (2 letters) | No | string |
| companyName | the company name (if debtor is company) | No | string |
| vatno | the enterprise number (if debtor is company) | No | string |
| form | the legal form of the company (if debtor is company) | No | string |
| contractNumber | the contract number which can override the one defined in the template. | No | string |
| signDate | Date of signature (xsd:dateTime), sms uses date of reply | No | string |
| place | Place of signature | No | string |
HTTP Response
| Code | Description |
|---|---|
| 200 | The request has succeeded |
| 400 | User error if parameter is given but not valid (available in apierror header and response) |
Error code
| Code | Description |
|---|---|
| err_no_such_ct | No template found (or not active) |
| err_invalid_domain | Invalid domain |
| err_mandatenumber_required | No mandatenumber was given, while setting does not allow generation |
| err_double_mandatenumber | Signed mandate with the same mandatenumber already exists |
| err_missing_params | Attributes are missing while configured as mandatory |
| err_invalid_signature | No valid method was provided |
Update Feed
Returns a List of all updated mandates (new, changed or cancelled) since the last call. From the moment there are changes (eg. a new contract/mandate or an update of an existing contract) this call provides all related information to the creditor. The service is initiated by the creditor and provides all MRI information (and extra metadata) to the creditor. This call can either be triggered by a callback once a change was made or periodically when no callback can be made. This information can serve multiple purposes:
- Updating a CRM system to take appropriate actions (eg. call the customer on cancel..)
- Integrate the info in an ERP system to create the correct SDD files (in case of mandates)
If your system is out of sync or the full mandate database needs to be refreshed an optional "X-RESET" header can be passed. The format can be a timestamp like "2015-08-20T13:02:03Z" or a specific MandateNumber. After that you will receive (all) mandate updates since that time again.
In order too avoid polling, a #19-callbacks can be setup to notify the client when new information is available. This hook can be configured in the Settings > API.
There are 3 possible updates.
- The first one is when a new signed mandate is available.
- The second is an amendment on a mandate (like address change). Indicated by the existence of an "AmdmntRsn".
- Last one is a cancellation of a mandate. Indicated by the existence of a "CxlRsn"
curl https://api.twikey.com/creditor/mandate \
-H 'authorization: **authorization**'$host = "https://api.twikey.com";
$ct = **ct_id**;$authorisation = null; //collected through login
$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor/mandate");
curl_setOpt($ch, CURLOPT_HTTPHEADER, "authorization: $authorization");
$server_output = curl_exec ($ch);
$result = json_decode($server_output);
curl_close ($ch);var https = require('https'),
querystring = require('querystring'),
host = "api.twikey.com",
authorization = null, //collected through login
options = {
host: host,
port: '443',
path: '/creditor/mandate',
method: 'GET',
headers: {
'Content-Type': 'application/x-www-form-urlencoded',
'Authorization': authorization
}
};
var req = https.request(options, function (res) {
console.log(res);
});public class TwikeyApi{
private String host = "https://api.twikey.com";
private String authorisation = null; //collected through logIn
public void updateFeed(){
OkHttpClient client = new OkHttpClient();
Request request = new Request.Builder()
.url(host + "/creditor/mandate")
.addHeader("content-type", "application/x-www-form-urlencoded")
.addHeader("x-reset", "2017-08-29T00:00:00.000Z")
.addHeader("authorization", authorisation)
.build();
Response response = client.newCall(request).execute();
}
}public class TwikeyAPI {
private String host ="https://api.twikey.com",
authorisation = null; // collected through logIn
public void updateFeed(){
RestClient client = new RestClient(host + "/creditor/mandate");
RestRequest request = new RestRequest(Method.GET);
request.AddHeader("x-reset", "2017-08-29T00:00:00.000Z");
request.AddHeader("authorization", authorisation);
IRestResponse response = client.Execute(request);
}
}{
"GrpHdr": {
"CreDtTm": "2015-08-20T13:02:03Z"
},
"Messages": [
{
"EvtTime": "2015-06-23T11:31:51Z",
"Mndt": {
"Cdtr": {
"CtctDtls": {
"EmailAdr": "info@creditor.com"
},
"CtryOfRes": "BE",
"Id": "BE0533800797",
"Nm": "Twikey N.V.",
"PstlAdr": {
"AdrLine": "Veldstraat 11",
"Ctry": "BE",
"PstCd": "9000",
"TwnNm": "Gent"
}
},
"CdtrSchmeId": "BE54ZZZ0533800797",
"Dbtr": {
"CtctDtls": {
"EmailAdr": "admin@debtorcpy.be"
},
"CtryOfRes": "BE",
"Id": "BE123456789",
"Nm": "debtorCompany Inc.",
"PstlAdr": {
"AdrLine": "Street 52",
"Ctry": "BE",
"PstCd": "1000",
"TwnNm": "Brussels"
}
},
"DbtrAcct": "BE493104522",
"DbtrAgt": {
"FinInstnId": {
"BICFI": "BBRUBEBB",
"Nm": "ING BELGIUM NV/SA"
}
},
"LclInstrm": "CORE",
"MaxAmt": "0",
"MndtId": "1600650622",
"Ocrncs": {
"Drtn": {
"FrDt": "2015-06-13"
},
"Frqcy": "ADHO",
"SeqTp": "RCUR"
},
"RfrdDoc": "1000",
"SplmtryData": [
{
"Key": "SignerPlace#0",
"Value": "Brussels"
},
{
"Key": "SignerDate#0",
"Value": "2015-06-22T21:00:00Z"
}
]
}
},
{
"CxlRsn": {
"Orgtr": {
"Nm": "Test Naam",
"PstlAdr": {
"AdrLine": "Derbystraat 43",
"PstCd": "9051",
"TwnNm": "Sint Denijs Westrem",
"Ctry": "BE"
},
"CtryOfRes": "BE",
"CtctDtls": {
"EmailAdr": "test@twikey.com",
"MobNb": "+32123456789"
}
},
"Rsn": "testing"
},
"OrgnlMndtId": "1700650622",
"CdtrSchmeId": "BE54ZZZ0533800797",
"EvtTime": "2017-10-31T14:14:51Z"
},
{
"AmdmntRsn": {
"Orgtr": {
"Nm": "Test Naam",
"PstlAdr": {
"AdrLine": "Andere straat 34",
"PstCd": "9000",
"TwnNm": "Gent",
"Ctry": "Gent"
},
"CtryOfRes": "NL",
"CtctDtls": {
"EmailAdr": "jonathan@twikey.nl",
"MobNb": "+32474519130"
}
},
"Rsn": "_T51"
},
"Mndt": {
"MndtId": "1500650622",
"LclInstrm": "CORE",
"Ocrncs": {
"SeqTp": "RCUR",
"Frqcy": "ADHO",
"Drtn": {
"FrDt": "2017-10-31"
}
},
"CdtrSchmeId": "BE54ZZZ0533800797",
"Cdtr": {
"Nm": "test Creditor",
"PstlAdr": {
"AdrLine": "test",
"PstCd": "test",
"TwnNm": "test",
"Ctry": "BE"
},
"Id": "BE0369258147",
"CtryOfRes": "BE",
"CtctDtls": {
"EmailAdr": "info@debtor.com"
}
},
"Dbtr": {
"Nm": "Test Test",
"PstlAdr": {
"AdrLine": "Derbystraat 43",
"PstCd": "9000",
"TwnNm": "Gent",
"Ctry": "BE"
},
"CtryOfRes": "NL",
"CtctDtls": {
"EmailAdr": "inf@debtor.com",
"MobNb": "+32474519130"
}
},
"DbtrAcct": "BE000000000000000",
"DbtrAgt": {
"FinInstnId": {
"BICFI": "BICCODE1",
"Nm": "Testbank"
}
},
"RfrdDoc": "General terms and conditions"
},
"OrgnlMndtId": "1500650622",
"CdtrSchmeId": "BE54ZZZ0533800797",
"EvtTime": "2017-10-31T14:19:09Z"
}
]
}HTTP Request
GET https://api.twikey.com/creditor/mandate
Query Parameters
| Name | Description | Required | Type |
|---|---|---|---|
| chunkSize | Amount of mandates to return per call (max 100) | No | long |
Response
| Code | Description |
|---|---|
| 200 | The request has succeeded |
Import mandates
Import existing mandates (or updates)
curl -X POST https://api.twikey.com/creditor/mandate \
-H 'authorization: **authorization**' \
-d @import.json$host = "https://api.twikey.com";
$authorisation = null; //collected through login
$post = array(
"file_box"=>"@/path/to/import.json",
);
$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor/mandate");
curl_setOpt($ch, CURLOPT_HTTPHEADER, array(
"authorization: $authorization",
"Content-Type: application/json',
"Content-Length: ' . strlen($post))
);
curl_setOpt($ch, CURLOPT_POST, true);
curl_setOpt($ch, CURLOPT_POSTFIELDS, $post);
$server_output = curl_exec ($ch);
curl_close ($ch);var https = require('https'),
querystring = require('querystring'),
host = "api.twikey.com",
authorization = null; //collected through login
var requestUrl = 'path/to/import.json';
var request = new XMLHttpRequest();
request.open('GET', requestUrl);
request.responseType = 'json';
request.send();
request.onload = function (){
var options = {
host: host,
port: '443',
path: '/creditor/mandate',
method: 'POST',
headers: {
'Content-Type': 'application/x-www-form-urlencoded',
'Authorization': authorization
},
data: request.response
};
var req = https.request(options, function (res) {
console.log(res);
});
};
var req = https.request(options, function (res) {
console.log(res);
});import java.io.FileReader;
import java.io.BufferedReader;
public class TwikeyApi{
private String host = "https://api.twikey.com";
private String authorisation = null; //collected through logIn
public void importMandates(){
String json;
try{
FileReader fr = new FileReader("/path/to/import.json");
BufferedReader br = new BufferedReader(fr);
String s;
while((s = br.readLine()) != null) {
json+=s;
}
fr.close();
OkHttpClient client = new OkHttpClient();
RequestBody body = RequestBody.create(mediaType, "import.json");
Request request = new Request.Builder()
.url(host + "/creditor/mandate")
.post(json)
.addHeader("content-type", "application/x-www-form-urlencoded")
.addHeader("authorization", authorisation)
.build();
Response response = client.newCall(request).execute();
}catch(FileNotFoundException e){
System.out.printLn(e);
}
}
}using System.IO;
public class TwikeyAPI {
private String host ="https://api.twikey.com",
authorisation = null; // collected through logIn
String json = file.ReadAllText("\path\to\import.json");
public void importMandates(){
RestClient client = new RestClient(host + "/creditor/mandate);
RestRequest request = new RestRequest(Method.POST);
request.AddHeader("authorization", authorisation);
IRestResponse response = client.Execute(request);
request.AddParameter("application/x-www-form-urlencoded",
json,
ParameterType.RequestBody
);
}
}HTTP Request
POST https://api.twikey.com/creditor/mandate
Query Parameters
| Name | Description | Required | Type |
|---|---|---|---|
| Mandates | All mandate updates like in fetch (json) | Yes |
HTTP Response
| Code | Description |
|---|---|
| 204 | Batch import of mandates was fully done or not at all |
Cancel a mandate
A contract can be cancelled by either debtor or creditor, this can be done via the website or the api. However, there may be circumstances in which the creditor receives the cancel not through Twikey. In order to avoid extra costs & stale information, Twikey requires the update of its systems. The creditor, the creditor bank or the debtor bank, can initiate this request. Afterwards the update is distributed to all parties.
curl -X DELETE https://api.twikey.com/creditor/mandate?mndtId123&rsn=test \
-H 'authorization: **authorization**'$host = "https://api.twikey.com";
$ct = **ct_id**;$authorisation = null; //collected through login
$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor/mandate".
"?mndtId=mndtId123&rsn=some%20reason"
);
curl_setOpt($ch, CURLOPT_HTTPHEADER, "authorization: $authorization");
curl_setOpt($ch, CURLOPT_CUSTOMREQUEST, "DELETE");
$server_output = curl_exec ($ch);
$result = json_decode($server_output);
curl_close ($ch);var https = require('https'),
querystring = require('querystring'),
host = "api.twikey.com",
authorization = null, //collected through login
options = {
host: host,
port: '443',
path: '/creditor/mandate?mndtId=**mdntId**&rsn=some%20reason',
method: 'DELETE',
headers: {
'Content-Type': 'application/x-www-form-urlencoded',
'Authorization': authorization
}
};
var req = https.request(options, function (res) {
console.log(res);
});public class TwikeyApi{
private String host = "https://api.twikey.com";
private String authorisation = null; //collected through logIn
public void cancelMandate(){
OkHttpClient client = new OkHttpClient();
Request request = new Request.Builder()
.url(host + "/creditor/mandate?mndtId=**mndtId&rsn=some%20reason")
.delete(null)
.addHeader("content-type", "application/x-www-form-urlencoded")
.addHeader("authorization", authorisation)
.build();
Response response = client.newCall(request).execute();
}
}public class TwikeyAPI {
private String host ="https://api.twikey.com",
authorisation = null; // collected through logIn
public void cancelMandate(){
RestClient client = new RestClient(host + "/creditor/mandate" +
"?mndtId=mndtId123" +"
&rsn=some%20reason"
);
RestRequest request = new RestRequest(Method.DELETE);
request.AddHeader("x-reset", "2017-08-29T00:00:00.000Z");
request.AddHeader("authorization", authorisation);
IRestResponse response = client.Execute(request);
}
}HTTP Request
DELETE https://api.twikey.com/creditor/mandate
Query Parameters
| Name | Description | Required | Type |
|---|---|---|---|
| mndtId | Mandate Reference | Yes | string |
| rsn | Reason of cancellation (Can be R-Message) | Yes | string |
HTTP Response
| Code | Description |
|---|---|
| 200 | The request has succeeded |
| 400 | User error if parameter is given but not valid (available in apierror header and response) |
Error codes
| Code | Description |
|---|---|
| err_no_contract | No contract was selected or invalid mndtId supplied |
| err_mandate_invalid_state | Contract had wrong status (eg. already cancelled) or not authorised |
| err_no_contract | No mandate was found |
| err_provide_reason | Please provide reason |
Fetch mandate details
Retrieve details of a specific mandate. Since the structure of the mandate is the same as in the update feed but doesn't include details about state, 2 extra headers are added.
| Header name | Description |
|---|---|
| X-STATE | State of the mandate (PREPARED, SIGNED, CANCELLED, ...) |
| X-COLLECTABLE | Whether this mandate can be used for collections (true/false) |
curl https://api.twikey.com/creditor/mandate/detail?mndtId=mndtId123 \
-H 'authorization: **authorization**'$host = "https://api.twikey.com";
$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor/mandate/detail" + "
?mndtId=mndtId123"
);
curl_setOpt($ch, CURLOPT_HTTPHEADER, "authorization: $authorization");
curl_setOpt($ch, CURLOPT_CUSTOMREQUEST, "GET");
$server_output = curl_exec ($ch);
$result = json_decode($server_output);
curl_close ($ch);var https = require('https'),
querystring = require('querystring'),
host = "api.twikey.com",
authorization = null, //collected through login
options = {
host: host,
port: '443',
path: '/creditor/mandate/detail?mndtId=mndtId123',
method: 'GET',
headers: {
'Content-Type': 'application/x-www-form-urlencoded',
'Authorization': authorization
}
};
var req = https.request(options, function (res) {
console.log(res);
});public class TwikeyApi{
private String host = "https://api.twikey.com";
private String authorisation = null; //collected through logIn
public void getMandateDetail(){
OkHttpClient client = new OkHttpClient();
Request request = new Request.Builder()
.get()
.url(host +
"/creditor/mandate/detail" +
"?mndtId=mndtId123"
)
.addHeader("content-type", "application/x-www-form-urlencoded")
.addHeader("authorization", authorisation)
.build();
Response response = client.newCall(request).execute();
}
}public class TwikeyAPI {
private String host ="https://api.twikey.com",
authorisation = null; // collected through logIn
public void getMandateDetail(){
RestClient client = new RestClient(host +
"/creditor/mandate/detail" +
"?mndtId=mndtId123"
);
RestRequest request = new RestRequest(Method.GET);
request.AddHeader("authorization", authorisation);
IRestResponse response = client.Execute(request);
}
}HTTP Request
GET https://api.twikey.com/creditor/mandate/detail
Query Parameters
| Name | Description | Required | Type |
|---|---|---|---|
| mndtId | Mandate Reference | Yes | string |
| force | Also include non-signed states | No | boolean |
Response
| Code | Description |
|---|---|
| 200 | Details of the mandate (see /creditor/mandate) |
| 400 | User error if parameter is given but not valid (available in apierror header and response) |
Error codes
| Code | Description |
|---|---|
| err_no_contract | No contract was selected or invalid mndtId supplied |
| err_no_contract | No contract was found |
| err_mandate_invalid_state | Contract was not signed (ignored when force=true) |
Customer access
You may want to give your customer access to the mandate details without actually requiring him to get a Twikey account. You can do this by using this call. This call returns a url that you can redirect the user to for a particular mandate.
curl -X POST https://api.twikey.com/creditor/customeraccess \
-H 'authorization: **authorization**' \
-d 'mndtId=mndtId123'$host = "https://api.twikey.com";
$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor/customeraccess");
curl_setOpt($ch, CURLOPT_HTTPHEADER, "authorization: $authorization");
curl_setOpt($ch, CURLOPT_CUSTOMREQUEST, "POST");
curl_setOpt($ch, CURLOPT_POSTFIELDS, array(
"mndtId" => "mdntId123"
);
$server_output = curl_exec ($ch);
$result = json_decode($server_output);
curl_close ($ch);
?>var https = require('https'),
querystring = require('querystring'),
host = "api.twikey.com",
authorization = null, //collected through login
options = {
host: host,
port: '443',
path: '/creditor/customeraccess',
method: 'POST',
headers: {
'Content-Type': 'application/x-www-form-urlencoded',
'Authorization': authorization
},
body:{
'mndtId': 'mndtId123'
}
};
var req = https.request(options, function (res) {
console.log(res);
});public class TwikeyApi{
private String host = "https://api.twikey.com";
private String authorisation = null; //collected through logIn
public void updateMandate(){
OkHttpClient client = new OkHttpClient();
RequestBody body = new FormBody.Builder()
.add("mndtId", "mndtId123")
.build();
Request request = new Request.Builder()
.post(body)
.url(host + "/creditor/customeraccess")
.addHeader("content-type", "application/x-www-form-urlencoded")
.addHeader("authorization", authorisation)
.build();
Response response = client.newCall(request).execute();
}
}public class TwikeyAPI {
private String host ="https://api.twikey.com",
authorisation = null; // collected through logIn
public void updateMandate(){
RestClient client = new RestClient(host + "/creditor/customeraccess);
RestRequest request = new RestRequest(Method.POST);
request.AddHeader("authorization", authorisation);
request.AddParameter("application/x-www-form-urlencoded",
"mndtId=mndtId123" ,
ParameterType.RequestBody
);
IRestResponse response = client.Execute(request);
}
}{
"token": "A4DE98FD091....",
"url": "https://merchant.twikey.com/p/customeraccess?token=A4DE98FD0915F"
}HTTP Request
POST https://api.twikey.com/creditor/customeraccess
Query Parameters
| Name | Description | Required | Type |
|---|---|---|---|
| mndtId | Mandate Reference | Yes | string |
Update planned transactions
Sometimes a plan on an existing mandate needs to be updated. This endpoint allows to update a plan, just by passing the new plan data.
curl -X POST https://api.twikey.com/creditor/mandate/plan \
-H 'authorization: **authorization**' \
-d 'mndtId=mdntId123'\
-d 'plan=planName'\
-d '_pls=2017-11-09'\
-d '_pli=1m'\
-d '_plo=15'\
-d '_plt=5'\
-d '_pla=50.00'\
-d '_pld=description for the plan'$host = "https://api.twikey.com";
$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor/mandate/plan");
curl_setOpt($ch, CURLOPT_HTTPHEADER, "authorization: $authorization");
curl_setOpt($ch, CURLOPT_CUSTOMREQUEST, "POST");
curl_setOpt($ch, CURLOPT_POSTFIELDS, array(
"mndtId" => "mdntId123",
"plan" => "planName",
"_pls" => "2017-11-09",
"_pli" => "1m",
"_plo" => "15",
"_plt" => "5",
"_pla" => "50.00",
"_pld" => "description for the plan")
);
$server_output = curl_exec ($ch);
$result = json_decode($server_output);
curl_close ($ch);
?>var https = require('https'),
querystring = require('querystring'),
host = "api.twikey.com",
authorization = null, //collected through login
options = {
host: host,
port: '443',
path: '/creditor/mandate/plan',
method: 'POST',
headers: {
'Content-Type': 'application/x-www-form-urlencoded',
'Authorization': authorization
},
body:{
'mndtId': 'mndtId123',
'plan': 'planName',
'_pls': '2017-11-09',
'_pli': '1m',
'_plo': '15',
'_plt': '5',
'_pla': '50.00',
'_pld': 'description for the plan'
}
};
var req = https.request(options, function (res) {
console.log(res);
});public class TwikeyApi{
private String host = "https://api.twikey.com";
private String authorisation = null; //collected through logIn
public void updateMandate(){
OkHttpClient client = new OkHttpClient();
RequestBody body = new FormBody.Builder()
.add("mndtId", "mndtId123")
.add("plan", "planName")
.add("_pls", "2017-11-09")
.add("_pli", "1m")
.add("_plo", "15")
.add("_plt", "5")
.add("_pla", "50.00")
.add("_pld", "description for the plan")
.build();
Request request = new Request.Builder()
.post(body)
.url(host + "/creditor/mandate/plan")
.addHeader("content-type", "application/x-www-form-urlencoded")
.addHeader("authorization", authorisation)
.build();
Response response = client.newCall(request).execute();
}
}public class TwikeyAPI {
private String host ="https://api.twikey.com",
authorisation = null; // collected through logIn
public void updateMandate(){
RestClient client = new RestClient(host + "/creditor/mandate/update);
RestRequest request = new RestRequest(Method.POST);
request.AddHeader("authorization", authorisation);
request.AddParameter("application/x-www-form-urlencoded",
"mndtId=mndtId123" +
"&plan=planName" +
"&_pls=2017-11-09" +
"&_pli=1m" +
"&_plo=15" +
"&_plt=5" +
"&_pla=50.00" +
"&_pld=description for the plan",
ParameterType.RequestBody
);
IRestResponse response = client.Execute(request);
}
}HTTP Request
POST https://api.twikey.com/creditor/mandate/plan
Query Parameters
| Name | Description | Required | Type |
|---|---|---|---|
| mndtId | Mandate Reference | Yes | string |
| plan | Name of the plan (can be empty in order to remove the plan) | Yes | string |
| _pls | Startdate for the plan | No | string |
| _pli | Periodicity of the plan, possible values are 1w, 2w, 1m, 2m, 3m, 4m, 6m, 12m | No | string |
| _plo | The day of the periodicity on wich the plan needs to be executed | No | string |
| _plt | Number of times the plan should be executed | No | string |
| -pla | Amount associated with the plan | No | string |
| _pld | Message you want to send to the debtor when a plan is executed | No | string |
HTTP Response
| Code | Description |
|---|---|
| 204 | The server has fulfilled the request but does not need to return an entity-body, and might want to return updated meta-information |
| 400 | User error if parameter is given but not valid (available in apierror header and response) |
Error codes
| Code | Description |
|---|---|
| err_plan_name | The plan parameter was not provided or an invalid planparameter supplied |
| err_mandate_invalid_state | Mandates are editable only when in Prepared/Print state or CORE or not authorised |
| err_no_contract | No contract was found |
Retrieve pdf
Retrieve pdf of a mandate
curl https://api.twikey.com/creditor/mandate/pdf?mndtId123 \
-H 'authorization: **authorization**'$host = "https://api.twikey.com";
$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor/mandate/pdf?mndtId=mndtId123");
curl_setOpt($ch, CURLOPT_HTTPHEADER, "authorization: $authorization");
curl_setOpt($ch, CURLOPT_CUSTOMREQUEST, "GET");
$server_output = curl_exec ($ch);
$result = json_decode($server_output);
curl_close ($ch);var https = require('https'),
querystring = require('querystring'),
host = "api.twikey.com",
authorization = null, //collected through login
options = {
host: host,
port: '443',
path: '/creditor/mandate/pdf?mndtId=mdntId123',
method: 'GET',
headers: {
'Content-Type': 'application/x-www-form-urlencoded',
'Authorization': authorization
}
};
var req = https.request(options, function (res) {
console.log(res);
});public class TwikeyApi{
private String host = "https://api.twikey.com";
private String authorisation = null; //collected through logIn
public void retrievePdf(){
OkHttpClient client = new OkHttpClient();
Request request = new Request.Builder()
.get()
.url(host + "/creditor/mandate/pdf?mndtId=mndtId123")
.addHeader("content-type", "application/x-www-form-urlencoded")
.addHeader("authorization", authorisation)
.build();
Response response = client.newCall(request).execute();
}
}public class TwikeyAPI {
private String host ="https://api.twikey.com",
authorisation = null; // collected through logIn
public void retrievePdf(){
RestClient client = new RestClient(
host +
"/creditor/mandate/pdf" +
"?mndtId=mndtId123"
);
RestRequest request = new RestRequest(Method.GET);
request.AddHeader("authorization", authorisation);
request.AddParameter("application/x-www-form-urlencoded",
"mandate.pdf",
ParameterType.RequestBody
);
IRestResponse response = client.Execute(request);
}
}HTTP Request
GET https://api.twikey.com/creditor/mandate/pdf
Query Parameters
| Name | Description | Required | Type |
|---|---|---|---|
| mndtId | Mandate Reference | Yes | string |
HTTP Response
| Code | Description |
|---|---|
| 200 | PDF is available in the body of the response |
| 400 | User error if parameter is given but not valid (available in apierror header and response) |
Error codes
| Code | Description |
|---|---|
| err_no_contract | No contract was found |
Upload pdf
Import existing mandate pdf (eg. scan of a printed document)
curl -X POST https://api.twikey.com/creditor/mandate/pdf \
-H 'authorization: **authorization**' \
-d 'mndtId=mndtId123' \
-d @mndtId123.pdf$host = "https://api.twikey.com";
$post = array(
"file_box"=>"@/path/to/mndtId123.pdf",
);
$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor/mandate/pdf?mndtId=mndtId123");
curl_setOpt($ch, CURLOPT_HTTPHEADER, array(
"authorization: $authorization",
"Content-Type: application/pdf',
"Content-Length: ' . strlen($post))
);
curl_setOpt($ch, CURLOPT_CUSTOMREQUEST, "POST");
curl_setOpt($ch, CURLOPT_POSTFIELDS, $post);
$server_output = curl_exec ($ch);
$result = json_decode($server_output);
curl_close ($ch);var https = require('https'),
querystring = require('querystring'),
host = "api.twikey.com",
authorization = null; //collected through login
var requestUrl = 'path/to/import.json';
var request = new XMLHttpRequest();
request.open('GET', requestUrl);
request.responseType = 'json';
request.send();
request.onload = function (){
var options = {
host: host,
port: '443',
path: '/creditor/mandate/pdf?mndtId=mndtId123',
method: 'POST',
headers: {
'Content-Type': 'application/x-www-form-urlencoded',
'Authorization': authorization
},
data: request.response
};
var req = https.request(options, function (res) {
console.log(res);
});
};import java.io.FileReader;
import java.io.BufferedReader;
public class TwikeyApi{
private String host = "https://api.twikey.com";
private String authorisation = null; //collected through logIn
public void uploadPdf(){
String pdf;
try{
FileReader fr = new FileReader("/path/to/mndtId123.pdf");
BufferedReader br = new BufferedReader(fr);
String s;
while((s = br.readLine()) != null) {
pdf+=s;
}
fr.close();
OkHttpClient client = new OkHttpClient();
Request request = new Request.Builder()
.post(pdf)
.url(host + "/creditor/mandate/pdf?mndtId=mndtId123")
.addHeader("content-type", "application/x-www-form-urlencoded")
.addHeader("authorization", authorisation)
.build();
Response response = client.newCall(request).execute();
} catch (FileNotFoundException e){
System.out.printLn(e);
}
}
}using System.IO;
public class TwikeyAPI {
private String host ="https://api.twikey.com",
authorisation = null; // collected through logIn
String pdf = file.ReadAllText("\path\to\mndtid123.pdf");
public void uploadPdf(){
RestClient client = new RestClient(
host +
"/creditor/mandate/pdf" +
"?mndtId=mndtId123"
);
RestRequest request = new RestRequest(Method.POST);
request.AddHeader("authorization", authorisation);
request.AddParameter("application/x-www-form-urlencoded",
pdf,
ParameterType.RequestBody
);
IRestResponse response = client.Execute(request);
}
}Parameters
| Name | Description | Required | Type |
|---|---|---|---|
| mndtId | Mandate Reference | Yes | string |
Responses
| Code | Description |
|---|---|
| 200 | Import of the pdf was done |
| 400 | User error if parameter is given but not valid (available in apierror header and response) |
Error codes
| Code | Description |
|---|---|
| err_no_contract | Contract not found |
Transactions
New transaction
Add transaction to an existing mandate. This transaction will be sent to the bank when the collection is sent to the bank either automatically or manually.
HTTP Request
POST /creditor/transaction
curl -X POST https://api.twikey.com/creditor/transaction \
-H 'authorization: **authorization**'\
-d 'mndtId=mndtId123' \
-d 'message=Monthly payment' \
-d 'amount=10'$host = "https://api.twikey.com";
$authorization = null; /collected through logIn
$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor/transaction");
curl_setopt($ch, CURLOPT_POST, 1);
curl_setopt($ch, CURLOPT_POSTFIELDS,"mndtId=mndtId123"
."&message=Monthly payment"
."&amount=10");
$server_output = curl_exec ($ch);
curl_close ($ch);var https = require('https'),
querystring = require('querystring'),
host = "api.twikey.com",
authorization = null, //collected through logIn
options = {
host: host,
port: '443',
path: '/creditor/transaction',
method: 'POST',
headers: {
'Content-Type': 'application/x-www-form-urlencoded',
'Authorization': authorization
},
body :{
'mndtId' : 'mndtId123',
'message': 'Monthly payment',
'amount': '10'
}
};
var req = https.request(options, function (res) {
console.log("result : ",result);
});public class TwikeyAPI {
private String host = "https://api.twikey.com",
authorization = null; //collected through logIn
public void addTransaction(){
OkHttpClient client = new OkHttpClient();
RequestBody body = new FormBody.Builder()
.add("mndtId", "mndtId123")
.add("message", "Monthly payment")
.add("amount", "10")
.build();
Request request = new Request.Builder()
.url(host + "/creditor/transaction")
.post(body)
.addHeader("content-type", "application/x-www-form-urlencoded")
.addHeader("authorization", authorization)
.build();
Response response = client.newCall(request).execute();
};
}public class TwikeyAPI {
private String host ="https://api.twikey.com",
authorization =null; //collected through logIn
public void addTransaction(){
RestClient client = new RestClient(host + "/creditor/transaction");
RestRequest request = new RestRequest(Method.POST);
request.AddHeader("cache-control", "no-cache");
request.AddHeader("content-type", "application/x-www-form-urlencoded");
request.AddHeader("Authorization", authorization);
request.AddParameter("application/x-www-form-urlencoded",
"mndtId=mndtId123" +
"message=Monthly payment" +
'amount=10"
, ParameterType.RequestBody
);
IRestResponse response = client.Execute(request);
}
}{
"Entries": [
{
"id": 381563,
"contractId": 325638,
"mndtId": "MNDT123",
"contract": "Algemene voorwaarden",
"amount": 10.0,
"msg": "Monthly payment",
"place": null,
"ref": null,
"date": "2017-09-16T14:32:05Z"
}
]
}Request Parameters
| Name | Description | Required | Type |
|---|---|---|---|
| mndtId | Mandate Reference | Yes | string |
| date | Date of the billable event or now when empty | No | string |
| reqcolldt | Requested date of the billable event | No | string |
| message | Message to the customer (if only 1 entry) | Yes | string |
| ref | Your reference | No | string |
| amount | Amount to be billed | Yes | string |
| place | Optional place | No | string |
HTTP Response
| Code | Description |
|---|---|
| 200 | The request has succeeded |
| 400 | User error if parameter is given but not valid (available in apierror header and response) |
Error codes
| Code | Description |
|---|---|
| err_no_contract | No mandate found (or not active) |
| err_invalid_date | Invalid Date |
| err_invalid_sepachars | Invalid characters in message to debtor |
| err_invalid_amount | Invalid Amount given |
| err_billing_overdrawn | Maximum amount reached according to risk rules |
Get transaction feed
Retrieve list of transactions that had changes since the last call.
curl https://api.twikey.com/creditor/transaction \
-H 'authorization: **authorization**' \
-H 'x-reset: 2017-08-29T00:00:00.000Z'$host = "https://api.twikey.com";
$authorization = null; /collected through logIn
$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor/transaction");
curl_setopt($ch, CUSTOMREQUEST, 'GET');
curl_setopt($ch, CURLOPT_HTTPHEADER, 'Authorization : $authorization");
$server_output = curl_exec ($ch);
curl_close ($ch);var https = require('https'),
querystring = require('querystring'),
host = "api.twikey.com",
authorization = null, //collected through logIn
options = {
host: host,
port: '443',
path: '/creditor/transaction',
method: 'GET',
headers: {
'Content-Type': 'application/x-www-form-urlencoded',
'Authorization': authorization
}
};
var req = https.request(options, function (res) {
console.log("result : ",result);
});public class TwikeyAPI {
private String host = "https://api.twikey.com",
authorization = null; //collected through logIn
public void getTransactions(){
OkHttpClient client = new OkHttpClient();
Request request = new Request.Builder()
.url(host + "/creditor/transaction")
.get()
.addHeader("content-type", "application/x-www-form-urlencoded")
.addHeader("authorization", authorization)
.build();
Response response = client.newCall(request).execute();
};
}public class TwikeyAPI {
private String host ="https://api.twikey.com",
authorization =null; // gathered through logIn
public void getTransactions(){
RestClient client = new RestClient(host + "/creditor/transaction");
RestRequest request = new RestRequest(Method.GET);
request.AddHeader("cache-control", "no-cache");
request.AddHeader("content-type", "application/x-www-form-urlencoded");
request.AddHeader("Authorization", authorization);
IRestResponse response = client.Execute(request);
}
}HTTP Request
GET /creditor/transaction
{
"Entries": [
{
"amount": 99.99,
"bkdate": "2017-03-21T08:13:21Z",
"contract": "contractNumber",
"contractId": 10001,
"final": true,
"id": 123456789,
"mndtId": "mandateReference",
"msg": "transaction message",
"place": "web",
"ref": null,
"reqcolldt": "2017-03-23T08:13:21Z",
"state": "PAID"
},
{
"amount": 100,
"bkdate": "2016-09-21T08:13:21Z",
"bkerror": "MS03",
"bkmsg": "No reason specified",
"contract": "contractNumber",
"contractId": 2002,
"final": false,
"id": 987654321,
"mndtId": "mandateReference",
"msg": "transaction message",
"place": "web",
"ref": "INVOICE001",
"reqcolldt": null,
"state": "ERROR"
},
{
"amount": 49.99,
"bkdate": "2016-08-29T13:14:40Z",
"bkerror": "AC04",
"bkmsg": "Account closed",
"contract": "contractNumber",
"contractId": 3003,
"final": true,
"id": 56789123,
"mndtId": "mandateReference",
"msg": "buy item X",
"place": "web",
"ref": null,
"reqcolldt": null,
"state": "ERROR"
},
"..."
]
}HTTP Response
| Code | Description |
|---|---|
| 200 | The request has succeeded |
Get transaction status
Retrieve status of transactions
Note that the status of a transaction is a snapshot in time and may change
curl https://api.twikey.com/creditor/transaction/detail?id=1234 \
-H 'authorization: **authorization**'$host = "https://api.twikey.com";
$authorization = null; /collected through logIn
$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor/transaction/detail?id=1234");
curl_setopt($ch, CUSTOMREQUEST, 'GET');
curl_setopt($ch, CURLOPT_HTTPHEADER, 'Authorization : $authorization");
$server_output = curl_exec ($ch);
curl_close ($ch);var https = require('https'),
querystring = require('querystring'),
host = "api.twikey.com",
authorization = null, //collected through logIn
options = {
host: host,
port: '443',
path: '/creditor/transaction/detail?id=1234',
method: 'GET',
headers: {
'Content-Type': 'application/x-www-form-urlencoded',
'Authorization': authorization
}
};
var req = https.request(options, function (res) {
console.log("result : ",result);
});public class TwikeyAPI {
private String host = "https://api.twikey.com",
authorization = null; //collected through logIn
public void getTransactionDetail(){
OkHttpClient client = new OkHttpClient();
Request request = new Request.Builder()
.url(host + "/creditor/transaction/detail?id=1234")
.get()
.addHeader("content-type", "application/x-www-form-urlencoded")
.addHeader("authorization", authorization)
.build();
Response response = client.newCall(request).execute();
};
}public class TwikeyAPI {
private String host ="https://api.twikey.com",
authorization =null; // gathered through logIn
public void getTransactionDetail(){
RestClient client = new RestClient(host + "/creditor/transaction/detail?id=1234");
RestRequest request = new RestRequest(Method.GET);
request.AddHeader("cache-control", "no-cache");
request.AddHeader("content-type", "application/x-www-form-urlencoded");
request.AddHeader("Authorization", authorization);
IRestResponse response = client.Execute(request);
}
}{
"Entries": [
{
"amount": 10.0,
"contract": "Algemene voorwaarden",
"contractId": 325638,
"date": "2017-09-16T14:32:05Z",
"id": 381563,
"mndtId": "MNDT123",
"msg": "Monthly payment",
"place": null,
"ref": null,
"state": "OPEN"
}
]
}HTTP Request
GET /creditor/transaction/detail
Request Parameters
| Name | Description | Required | Type |
|---|---|---|---|
| id | 1 or more ids of a transaction (empty means all open) | No | string |
| ref | 1 or more refs of a transaction | No | string |
HTTP Response
| Code | Description |
|---|---|
| 200 | The request has succeeded |
| 400 | User error if parameter is given but not valid (available in apierror header and response) |
Error codes
| Code | Description |
|---|---|
| err_invalid_params | Either id or ref is invalid |
Remove a transaction
Remove a transaction that wasn't collected yet
curl -X DELETE https://api.twikey.com/creditor/transaction \
-H 'authorization: **authorization**'$host = "https://api.twikey.com";
$authorization = null; /collected through logIn
$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor/transaction");
curl_setopt($ch, CUSTOMREQUEST, 'DELETE');
curl_setopt($ch, CURLOPT_HTTPHEADER, 'Authorization : $authorization");
$server_output = curl_exec ($ch);
curl_close ($ch);var https = require('https'),
querystring = require('querystring'),
host = "api.twikey.com",
authorization = null, //collected through logIn
options = {
host: host,
port: '443',
path: '/creditor/transaction',
method: 'DELETE',
headers: {
'Content-Type': 'application/x-www-form-urlencoded',
'Authorization': authorization
}
};
var req = https.request(options, function (res) {
console.log("result : ",result);
});public class TwikeyAPI {
private String host = "https://api.twikey.com",
authorization = null; //collected through logIn
public void removeTransaction(){
OkHttpClient client = new OkHttpClient();
Request request = new Request.Builder()
.url(host + "/creditor/transaction")
.delete(null)
.addHeader("content-type", "application/x-www-form-urlencoded")
.addHeader("authorization", authorization)
.build();
Response response = client.newCall(request).execute();
};
}public class TwikeyAPI {
private String host ="https://api.twikey.com",
authorization =null; // gathered through logIn
public void removeTransaction(){
RestClient client = new RestClient(host + "/creditor/transaction");
RestRequest request = new RestRequest(Method.DELETE);
request.AddHeader("cache-control", "no-cache");
request.AddHeader("content-type", "application/x-www-form-urlencoded");
request.AddHeader("Authorization", authorization);
IRestResponse response = client.Execute(request);
}
}HTTP Request
DELETE /creditor/transaction
Request Parameters
| Name | Description | Required | Type |
|---|---|---|---|
| id | a transactionId as returned in the post | No | string |
| mndtId | all open transactions linked to the mandateReference | No | string |
| ref | transactionReference as provided in the post to be removed | No | string |
HTTP Response
| Code | Description |
|---|---|
| 204 | The request has succeeded |
| 400 | User error if parameter is given but not valid (available in apierror header and response) |
Error codes
| Code | Description |
|---|---|
| err_no_contract | Contract not found |
Collections
Prenotify a customer
Send a prenotification notice to the customer
HTTP Request
POST /creditor/prenotification
curl -X POST https://api.twikey.com/creditor/prenotification \
-d mndtId=MNDT123 \
-d message="Monthly payment" \
-d collectionDate=2017-09-15 \
-d amount="10" \
-H 'authorization: **authorization**'$host = "https://api.twikey.com";
$authorisation = null; //collected through login
$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor/prenotification");
curl_setopt($ch, CURLOPT_POST, 1);
curl_setopt($ch, CURLOPT_POSTFIELDS, "mndtId=MNDT123"
."message=Monthly payment"
."collectionDate="2017-09-15"
."amount=10"
);
curl_setOpt($ch, CURLOPT_HTTPHEADER,"authorization: $authorization");
$server_output = curl_exec ($ch);
curl_close ($ch);var https = require('https'),
querystring = require('querystring'),
host = "api.twikey.com",
ct = "**ct_id**",
authorization = null, //collected through login
options = {
host: host,
port: '443',
path: '/creditor/prenotification',
method: 'POST',
headers: {
'Content-Type': 'application/x-www-form-urlencoded'
},
data: {
"message":"Monthly payment",
"collectionDate":"2017-09-15",
'amount': 10
}
};
var req = https.request(options, function (res) {
console.log("response: " + res)
});public class TwikeyApi{
private String host = "https://api.twikey.com";
private String authorisation = null; //collected through logIn
public void prenotify(){
OkHttpClient client = new OkHttpClient();
MediaType mediaType = MediaType.parse("application/x-www-form-urlencoded");
RequestBody formBody = new FormBody.Builder()
.add("message","Monthly payment")
.add("collectionDate","2017-09-15")
.add("amount","10")
.build();
Request request = new Request.Builder()
.url(host + "/creditor/prenotify")
.post(formBody)
.addHeader("content-type", "application/x-www-form-urlencoded")
.addHeader("authorization", authorisation)
.addHeader("cache-control", "no-cache")
.build();
Response response = client.newCall(request).execute();
}
}public class TwikeyAPI {
private String host ="https://api.twikey.com",
authorisation = null; // collected through logIn
public void prenotify(){
RestClient client = new RestClient(host + "/creditor/prenotify");
RestRequest request = new RestRequest(Method.POST);
request.AddHeader("cache-control", "no-cache");
request.AddHeader("authorization", authorisation);
request.AddHeader("content-type", "application/x-www-form-urlencoded");
request.AddParameter("application/x-www-form-urlencoded",
"message=Monthly payment" +
"collectionDate="2017-09-15" +
"amount=10"
, ParameterType.RequestBody
);
IRestResponse response = client.Execute(request);
}
}Query parameters
| Name | Description | Required | Type |
|---|---|---|---|
| mndtId | Mandate Reference | Yes | string |
| message | Message to debtor | Yes | string |
| collectionDate | Date of collection | Yes | string |
| amount | Amount (Format 12.33) | Yes | double |
| invoiceUrl | Url to the actual invoice | No | string |
HTTP Response
| Code | Description |
|---|---|
| 200 | success |
| 400 | User error if parameter is given but not valid (available in apierror header and response) |
Error codes
| Code | Description |
|---|---|
| err_no_contract | Contract not found |
| err_invalid_amount | Invalid amount was given |
| err_invalid_date | Invalid date was given |
Execute Collection
Prepare a collection file and sent to collecting agent if available with the account data specified in the contract template.
HTTP Request
POST /creditor/collect
curl -X POST https://api.twikey.com/creditor/collect \
-d ct=123 \
-H 'authorization: **authorization**'$host = "https://api.twikey.com";
$ct = "**ct_id**";
$authorisation = null; //collected through login
$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor/collect");
curl_setopt($ch, CURLOPT_POST, 1);
curl_setopt($ch, CURLOPT_POSTFIELDS,
"ct=$ct"
."clltndt=2017-09-15"
);
curl_setOpt($ch, CURLOPT_HTTPHEADER,"authorization: $authorization");
$server_output = curl_exec ($ch);
curl_close ($ch);var https = require('https'),
querystring = require('querystring'),
host = "api.twikey.com",
ct = "**ct_id**",
authorization = null, //collected through login
options = {
host: host,
port: '443',
path: '/creditor/collect',
method: 'POST',
headers: {
'Content-Type': 'application/x-www-form-urlencoded'
},
data: {
"ct":"$ct",
"clltndt":"2017-09-15"
}
};
var req = https.request(options, function (res) {
console.log("response: " + res)
});public class TwikeyApi{
private String host = "https://api.twikey.com";
private String authorisation = null; //collected through logIn
private String ct = "**ct_id**";
public void executeCollect(){
OkHttpClient client = new OkHttpClient();
MediaType mediaType = MediaType.parse("application/x-www-form-urlencoded");
RequestBody formBody = new FormBody.Builder()
.add("ct", ct)
.add("clltndt","2017-09-15")
.build();
Request request = new Request.Builder()
.url(host + "/creditor/collect")
.post(formBody)
.addHeader("content-type", "application/x-www-form-urlencoded")
.addHeader("authorization", authorisation)
.addHeader("cache-control", "no-cache")
.build();
Response response = client.newCall(request).execute();
}
}public class TwikeyAPI {
private String host ="https://api.twikey.com",
ct = "**ct_id**",
authorisation = null; // collected through logIn
public void executeCollect(){
RestClient client = new RestClient(host + "/creditor/collect");
RestRequest request = new RestRequest(Method.POST);
request.AddHeader("cache-control", "no-cache");
request.AddHeader("authorization", authorisation);
request.AddHeader("content-type", "application/x-www-form-urlencoded");
request.AddParameter("application/x-www-form-urlencoded",
"ct=" + ct +
"clltndt="2017-09-15"
, ParameterType.RequestBody
);
IRestResponse response = client.Execute(request);
}
}Query parameters
| Name | Description | Required | Type |
|---|---|---|---|
| ct | Contract template for which to do the collection | Yes | number |
| colltndt | Collection date (default=earliest possible) | No | string |
| mndtId | Optional array of mandateId's (default = all with billable entries) | No | array |
| prenotify | Optional parameter, it's existence will trigger the prenotification towards the debtor (true/false) | No | boolean |
HTTP Response
| Code | Description |
|---|---|
| 200 | Returns the id referencing both first and recurring sdd send to bank |
| 400 | User error if parameter is given but not valid (available in apierror header and response) |
Error codes
| Code | Description |
|---|---|
| err_no_such_ct | No template specified |
| err_invalid_ct | Invalid template specified |
| err_provide_account | No account specified in template |
| err_no_access_subscription | No connection to the bank in your subscription |
| err_invalid_date | Invalid date |
Download collection file(s)
Prepare the collection file(s) and download the zipped sdd file(s)
HTTP Request
POST /creditor/collect/sdd
curl -X POST https://api.twikey.com/creditor/collect/sdd \
-d 'ct=**ct_id**' \
-H 'authorization: **authorization**'$host = "https://api.twikey.com";
$ct = **ct_id**;
$authorisation = null; //collected through login
$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor/collect/sdd");
curl_setOpt($ch, CURLOPT_HTTPHEADER, "authorization: $authorization");
curl_setOpt($ch, CURLOPT_POST, true);
curl_setOpt($ch, CURLOPT_POSTFIELDS, "ct=**ct_id**");
$server_output = curl_exec ($ch);
$result = json_decode($server_output);
curl_close ($ch);var https = require('https'),
querystring = require('querystring'),
ct = "**ct_id**",
host = "api.twikey.com",
authorization = null, //collected through login
options = {
host: host,
port: '443',
path: '/creditor/collect/sdd',
method: 'POST',
headers: {
'Content-Type': 'application/x-www-form-urlencoded',
'Authorization': authorization
},
body :{
'ct': ct
}
};
var req = https.request(options, function (res) {
console.log(res);
});public class TwikeyApi{
private String host = "https://api.twikey.com";
private String ct = "**ct_id**";
private String authorisation = null; //collected through logIn
public void downloadCollection(){
OkHttpClient client = new OkHttpClient();
Requestbody body = Formbody.Builder()
.add("ct", ct)
.build();
Request request = new Request.Builder()
.url(host + "/creditor/collect/sdd")
.addHeader("content-type", "application/x-www-form-urlencoded")
.post(body)
.addHeader("x-reset", "2017-08-29T00:00:00.000Z")
.addHeader("authorization", authorisation)
.build();
Response response = client.newCall(request).execute();
}
}public class TwikeyAPI {
private String host ="https://api.twikey.com",
ct="**ct_id",
authorisation = null; // collected through logIn
public void downloadCollection(){
RestClient client = new RestClient(host + "/creditor/collect/sdd");
RestRequest request = new RestRequest(Method.POST);
request.AddHeader("x-reset", "2017-08-29T00:00:00.000Z");
request.AddHeader("authorization", authorisation);
request.AddParameter("application/x-www-form-urlencoded",
"ct=" + ct
, ParameterType.RequestBody
);
IRestResponse response = client.Execute(request);
}
}Query parameters
| Name | Description | Required | Type |
|---|---|---|---|
| ct | Contract template for which to do the collection | Yes | number |
| colltndt | Collection date | No | string |
| mndtId | Optional array of mandateId's (default = all with billable entries) | No | array |
| prenotify | Optional parameter, it's existence will trigger the prenotification towards the debtor (true/false) | No | boolean |
HTTP Response
| Code | Description |
|---|---|
| 200 | Returns the zip containing all files to be uploaded to the bank |
| 400 | User error if parameter is given but not valid (available in apierror header and response) |
Error codes
| Code | Description |
|---|---|
| err_no_such_ct | No template specified |
| err_invalid_ct | Invalid template specified |
| err_provide_account | No account specified in template |
| err_invalid_date | Invalid date |
Status collection
Retrieve all payments obtained so far from collecting agent per collection batch
HTTP Request
GET /creditor/payment
curl https://api.twikey.com/creditor/payment \
-H 'authorization: **authorization**'$host = "https://api.twikey.com";
$authorisation = null; //collected through login
$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor/payment");
curl_setOpt($ch, CURLOPT_HTTPHEADER, "authorization: $authorization");
curl_setOpt($ch, CUSTOMREQUEST, 'GET');
$server_output = curl_exec ($ch);
$result = json_decode($server_output);
curl_close ($ch);var https = require('https'),
querystring = require('querystring'),
host = "api.twikey.com",
authorization = null, //collected through login
options = {
host: host,
port: '443',
path: '/creditor/payment',
method: 'GET',
headers: {
'Content-Type': 'application/x-www-form-urlencoded',
'Authorization': authorization
}
};
var req = https.request(options, function (res) {
console.log(res);
});public class TwikeyApi{
private String host = "https://api.twikey.com";
private String authorisation = null; //collected through logIn
public void statusCollection(){
OkHttpClient client = new OkHttpClient();
Request request = new Request.Builder()
.url(host + "/creditor/collect/sdd")
.addHeader("content-type", "application/x-www-form-urlencoded")
.addHeader("x-reset", "2017-08-29T00:00:00.000Z")
.addHeader("authorization", authorisation)
.build();
Response response = client.newCall(request).execute();
}
}public class TwikeyAPI {
private String host ="https://api.twikey.com",
authorisation = null; // collected through logIn
public void statusCollection(){
RestClient client = new RestClient(host + "/creditor/payment");
RestRequest request = new RestRequest(Method.GET);
request.AddHeader("x-reset", "2017-08-29T00:00:00.000Z");
request.AddHeader("authorization", authorisation);
IRestResponse response = client.Execute(request);
}
}Query parameters
| Name | Description | Required | Type |
|---|---|---|---|
| id | Specific SDD reference | No | number |
| detail | Include details (true = default/false) | No | boolean |
HTTP Response
| Code | Description |
|---|---|
| 200 | The request has succeeded |
Payments
The payment information can be retrieved in 2 ways. This can either be done by polling the transaction feed or by the status of the collection. Both can be polled periodically or triggered by a callback.
Per transaction
{
"Entries": [
{
"id": 123456789,
"contractId": 10001,
"mndtId": "mandateReference",
"contract": "contractNumber",
"amount": 99.99,
"msg": "transaction message",
"place": "web",
"ref": null,
"final": true,
"state": "PAID",
"bkdate": "2017-03-21T08:13:21Z",
"reqcolldt": "2017-03-23T08:13:21Z"
},
{
"id": 987654321,
"contractId": 2002,
"mndtId": "mandateReference",
"contract": "contractNumber",
"amount": 100,
"msg": "transaction message",
"place": "web",
"ref": "INVOICE001",
"final": false,
"state": "ERROR",
"bkerror": "MS03",
"bkmsg": "Geen reden opgegeven",
"bkdate": "2016-09-21T08:13:21Z",
"reqcolldt": null
},
{
"id": 56789123,
"contractId": 3003,
"mndtId": "mandateReference",
"contract": "contractNumber",
"amount": 49.99,
"msg": "buy item X",
"place": "web",
"ref": null,
"final": true,
"state": "ERROR",
"bkerror": "AC04",
"bkmsg": "Rekening afgesloten",
"bkdate": "2016-08-29T13:14:40Z",
"reqcolldt": null
}
]
}This endpoint allows to retrieve a list of all the transactions for which new payment information has been received since the last call. This endpoint doesn't require any parameters. If we receive an error from the bank, we mark the transaction with status "error" or "paid". We also add a final flag which can either be true or false. True (being final) means that we can't do anything with it anymore. This could be the case for paid transactions as well as for errors like debtor deceased. An action will be required on your part. False means that we still have actions pending to debit the debtor's account.
Per Collection
{
"Sdds":[
{
"id":1437939405111,
"pmtinfid": "mypmtid",
"tx":4, // Number of transactions
"amount":120.0, // Total amount of the transactions
"Entries": [
{
"e2eid": "mye2e",
"amount": 30.0,
"contractId": 7488, // internal reference to the contract
"mandateRef": "TWIKEYCORE22", // mandate reference
"msg": "testing",
"final": false, // Does Twikey have any outstanding actions ?
"state": "open" // No payment information received as of yet
},
{
"e2eid": "mye2e",
"amount": 30.0,
"contractId": 7488,
"mandateRef": "TWIKEYCORE22",
"msg": "testing",
"final": true,
"state": "paid", // Transaction was paid
"bkamount": 30.0, // Booked amount as stated in account information
"bkdate": "2015-07-27", // Booking date as stated in account information
"bkerror": null // No errors
},
{
"e2eid": "mye2e",
"amount": 30.0,
"contractId": 6358,
"mandateRef": "TWIKEYCORE21",
"msg": "test",
"final": false, // This is FYI, since we haven't exhausted yet all possibilities (will re-offer)
"state": "error", // Transaction was paid
"bkamount": 30.0,
"bkdate": "2015-07-27",
"bkerror": "MSO3" // Actual error code
},
{
"e2eid": "mye2e",
"amount": 30.0,
"contractId": 6358,
"mandateRef": "TWIKEYCORE21",
"msg": "test",
"final": true, // Could not collect, please contact your customer
"state": "error",
"bkamount": 30.0,
"bkdate": "2015-07-27",
"bkerror": "AG01"
}
]
}
]
}This endpoint allows to retrieve a list of SDD's for which new payment information is given. If the parameter 'id' is passed, it will also return the details of the mandates contained in the referenced SDD. If the 'detail' parameter is passed (regardless of its value) then the call with the 'id' parameter is obsolete as the details are included in the general call. In case we receive an error from the bank, we mark the transaction with status "error" or "paid", but on top of it we add a final flag which will either be true or false. True (being final) means that we can't do anything with it anymore. This could be the case for paid transactions as well as for errors like debtor deceased. An action would be required from your part. False means that we still have actions pending to debit the debtor's account.
Refunds
New entry
Add entry to batch
HTTP Request
POST /creditor/transfer
curl https://api.twikey.com/creditor/transfer \
-H 'authorization: authorization' \
-d 'iban=BE68068897250734' \
-d 'message=test%20credit%20transfer' \
-d 'amount='0.00'$host = "https://api.twikey.com";
$authorisation = null; //collected through login
$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor/transfer");
curl_setopt($ch, CURLOPT_POST, 1);
curl_setopt($ch, CURLOPT_POSTFIELDS,
"iban=BE68068897250734"
."message= test credit transfer"
."amount="50.00"
);
curl_setOpt($ch, CURLOPT_HTTPHEADER,"authorization: $authorization");
$server_output = curl_exec ($ch);
curl_close ($ch);var https = require('https'),
host = "api.twikey.com",
authorization = null, //collected through login
options = {
host: host,
port: '443',
path: '/creditor/transfer',
method: 'POST',
headers: {
'Content-Type': 'application/x-www-form-urlencoded'
},
data: {
"iban":"BE68068897250734",
"message":"test credit transfer",
"amount":"50.00"
}
};
var req = https.request(options, function (res) {
console.log("response: " + res)
});public class TwikeyApi{
private String host = "https://api.twikey.com";
private String authorisation = null; //collected through logIn
public void createCreditTransfer(){
OkHttpClient client = new OkHttpClient();
MediaType mediaType = MediaType.parse("application/x-www-form-urlencoded");
RequestBody formBody = new FormBody.Builder()
.add("iban", "BE68068897250734")
.add("message","test credit transfer")
.add("amount", "50.00")
.build();
Request request = new Request.Builder()
.url(host + "/creditor/transfer")
.post(formBody)
.addHeader("content-type", "application/x-www-form-urlencoded")
.addHeader("authorization", authorisation)
.addHeader("cache-control", "no-cache")
.build();
Response response = client.newCall(request).execute();
}
}public class TwikeyAPI {
private String host ="https://api.twikey.com",
ct = "**ct_id**",
authorisation = null; // collected through logIn
public void createCreditTransfer(){
RestClient client = new RestClient(host + "/creditor/transfer");
RestRequest request = new RestRequest(Method.POST);
request.AddHeader("cache-control", "no-cache");
request.AddHeader("authorization", authorisation);
request.AddHeader("content-type", "application/x-www-form-urlencoded");
request.AddParameter("application/x-www-form-urlencoded",
"iban=BE68068897250734" +
"message=test credit transfer" +
"amount=50.00"
, ParameterType.RequestBody
);
IRestResponse response = client.Execute(request);
}
}{
"Entries": [
{
"id": "11DD32CA20180412220109485",
"iban": "BE12356798",
"bic": "BBRUBEBB",
"amount": 12,
"msg": "test",
"place": null,
"date": "2018-04-12"
}
]
}Query parameters
| Name | Description | Required | Type |
|---|---|---|---|
| iban | Iban of the beneficiary (requires the registration in settings > credit transfer) | Yes | string |
| message | Message to the creditor | Yes | string |
| amount | Amount to be send | Yes | number |
| date | Required execution date of the transaction (ReqdExctnDt) | No | string |
| place | Optional place | No | string |
HTTP Response
| Code | Description |
|---|---|
| 200 | The request has succeeded |
| 400 | User error if parameter is given but not valid (available in apierror header and response) |
Error codes
| Code | Description |
|---|---|
| err_invalid_iban | Invalid Iban |
| 403 | Account unregistered |
| err_mandate_invalid_state | Mandate existed, but was not active |
| err_invalid_date | Invalid date |
| err_invalid_sepachars | Invalid message |
| err_invalid_amount | Invalid amount |
Details Entry
Get entry details by id
HTTP Request
GET /creditor/transfer
curl https://api.twikey.com/creditor/transfer?id=123 \
-H 'authorization: authorization'$host = "https://api.twikey.com";
$authorisation = null; //collected through login
$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor/transfer?id=123");
curl_setOpt($ch, CURLOPT_HTTPHEADER,"authorization: $authorization");
$server_output = curl_exec ($ch);
curl_close ($ch);var https = require('https'),
host = "api.twikey.com",
authorization = null, //collected through login
options = {
host: host,
port: '443',
path: '/creditor/transfer?id=123',
headers: {
'Content-Type': 'application/x-www-form-urlencoded'
}
};
var req = https.request(options, function (res) {
console.log("response: " + res)
});public class TwikeyApi{
private String host = "https://api.twikey.com";
private String authorisation = null; //collected through logIn
public void createCreditTransfer(){
OkHttpClient client = new OkHttpClient();
MediaType mediaType = MediaType.parse("application/x-www-form-urlencoded");
Request request = new Request.Builder()
.url(host + "/creditor/transfer?id=123")
.addHeader("content-type", "application/x-www-form-urlencoded")
.addHeader("authorization", authorisation)
.addHeader("cache-control", "no-cache")
.build();
Response response = client.newCall(request).execute();
}
}public class TwikeyAPI {
private String host ="https://api.twikey.com",
ct = "**ct_id**",
authorisation = null; // collected through logIn
public void createCreditTransfer(){
RestClient client = new RestClient(host + "/creditor/transfer?id=123");
RestRequest request = new RestRequest(Method.GET);
request.AddHeader("authorization", authorisation);
request.AddHeader("content-type", "application/x-www-form-urlencoded");
IRestResponse response = client.Execute(request);
}
}{
"Entries": [
{
"id": "11DD32CA20180412220109485",
"iban": "BE12356798",
"bic": "BBRUBEBB",
"amount": 12,
"msg": "test",
"place": null,
"date": "2018-04-12"
}
]
}Query parameters
| Name | Description | Required | Type |
|---|---|---|---|
| id | id of the created refund | Yes | string |
HTTP Response
| Code | Description |
|---|---|
| 200 | The request has succeeded |
| 400 | User error if parameter is given but not valid (available in apierror header and response) |
Error codes
| Code | Description |
|---|---|
| err_no_transaction | No such transaction |
Remove Entry
Remove entry details by id
HTTP Request
curl -X DELETE https://api.twikey.com/creditor/transfer?id=123 \
-H 'authorization: **authorization**'$host = "https://api.twikey.com";
$authorization = null; /collected through logIn
$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor/transfer?id=123");
curl_setopt($ch, CUSTOMREQUEST, 'DELETE');
curl_setopt($ch, CURLOPT_HTTPHEADER, 'Authorization : $authorization");
$server_output = curl_exec ($ch);
curl_close ($ch);var https = require('https'),
querystring = require('querystring'),
host = "api.twikey.com",
authorization = null, //collected through logIn
options = {
host: host,
port: '443',
path: '/creditor/transfer?id=123',
method: 'DELETE',
headers: {
'Content-Type': 'application/x-www-form-urlencoded',
'Authorization': authorization
}
};
var req = https.request(options, function (res) {
console.log("result : ",result);
});public class TwikeyAPI {
private String host = "https://api.twikey.com",
authorization = null; //collected through logIn
public void removeTransaction(){
OkHttpClient client = new OkHttpClient();
Request request = new Request.Builder()
.url(host + "/creditor/transfer?id=123")
.delete(null)
.addHeader("content-type", "application/x-www-form-urlencoded")
.addHeader("authorization", authorization)
.build();
Response response = client.newCall(request).execute();
};
}public class TwikeyAPI {
private String host ="https://api.twikey.com",
authorization =null; // gathered through logIn
public void removeTransaction(){
RestClient client = new RestClient(host + "/creditor/transfer?id=123");
RestRequest request = new RestRequest(Method.DELETE);
request.AddHeader("cache-control", "no-cache");
request.AddHeader("content-type", "application/x-www-form-urlencoded");
request.AddHeader("Authorization", authorization);
IRestResponse response = client.Execute(request);
}
}Query parameters
| Name | Description | Required | Type |
|---|---|---|---|
| id | id of the created refund | Yes | string |
HTTP Response
| Code | Description |
|---|---|
| 200 | The request has succeeded |
| 400 | User error if parameter is given but not valid (available in apierror header and response) |
Error codes
| Code | Description |
|---|---|
| err_no_transaction | No such transaction |
Batch creation
Create bank file (and optionally send)
HTTP Request
POST /creditor/transfer/complete
curl https://api..twikey.com/creditor/transfer/complete \
-H 'authorization: authorization' \
-d 'ct=**ct_id**' \$host = "https://api.twikey.com";
$ct = "**ct_id**";
$authorisation = null; //collected through login
$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor/transfer"/complete);
curl_setopt($ch, CURLOPT_POST, 1);
curl_setopt($ch, CURLOPT_POSTFIELDS, "ct=$ct");
curl_setOpt($ch, CURLOPT_HTTPHEADER,"authorization: $authorization");
$server_output = curl_exec ($ch);
curl_close ($ch);var https = require('https'),
ct= "**ct_id**",
querystring = require('querystring'),
host = "api.twikey.com",
authorization = null, //collected through login
options = {
host: host,
port: '443',
path: '/creditor/transfer/complete',
method: 'POST',
headers: {
'Content-Type': 'application/x-www-form-urlencoded'
},
data: {
"ct": ct
}
};
var req = https.request(options, function (res) {
console.log("response: " + res)
});public class TwikeyApi{
private String host = "https://api.twikey.com";
private String ct = "**ct_id**";
private String authorisation = null; //collected through logIn
public void completeCreditTransfer(){
OkHttpClient client = new OkHttpClient();
MediaType mediaType = MediaType.parse("application/x-www-form-urlencoded");
RequestBody formBody = new FormBody.Builder()
.add("ct", ct)
.build();
Request request = new Request.Builder()
.url(host + "/creditor/transfer/complete")
.post(formBody)
.addHeader("content-type", "application/x-www-form-urlencoded")
.addHeader("authorization", authorisation)
.addHeader("cache-control", "no-cache")
.build();
Response response = client.newCall(request).execute();
}
}public class TwikeyAPI {
private String host ="https://api.twikey.com",
ct = "**ct_id**",
authorisation = null; // collected through logIn
public void completeCreditTransfer(){
RestClient client = new RestClient(host + "/creditor/transfer/complete");
RestRequest request = new RestRequest(Method.POST);
request.AddHeader("cache-control", "no-cache");
request.AddHeader("authorization", authorisation);
request.AddHeader("content-type", "application/x-www-form-urlencoded");
request.AddParameter(
"application/x-www-form-urlencoded",
"ct=" + ct,
ParameterType.RequestBody
);
IRestResponse response = client.Execute(request);
}
}Query parameters
| Name | Description | Required | Type |
|---|---|---|---|
| ct | Template containing the originating account | Yes | string |
| iban | Originating account, if different from ct account | No | string |
HTTP Response
| Code | Description |
|---|---|
| 200 | The request has succeeded |
| 400 | Invalid request |
Batch details
Get details about batch information
HTTP Request
GET /creditor/transfer/complete
curl https://api..twikey.com/creditor/transfer/complete \
-H 'authorization: authorization' \
-d 'id=**id**' \$host = "https://api.twikey.com";
$id = "**id**";
$authorisation = null; //collected through login
$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor/transfer/complete?id=123");
curl_setOpt($ch, CURLOPT_HTTPHEADER,"authorization: $authorization");
$server_output = curl_exec ($ch);
curl_close ($ch);var https = require('https'),
ct= "**ct_id**",
querystring = require('querystring'),
host = "api.twikey.com",
authorization = null, //collected through login
options = {
host: host,
port: '443',
path: '/creditor/transfer/complete?id=123',
headers: {
'Content-Type': 'application/x-www-form-urlencoded'
}
};
var req = https.request(options, function (res) {
console.log("response: " + res)
});public class TwikeyApi{
private String host = "https://api.twikey.com";
private String authorisation = null; //collected through logIn
public void completeCreditTransfer(){
OkHttpClient client = new OkHttpClient();
MediaType mediaType = MediaType.parse("application/x-www-form-urlencoded");
Request request = new Request.Builder()
.url(host + "/creditor/transfer/complete?id=123")
.addHeader("content-type", "application/x-www-form-urlencoded")
.addHeader("authorization", authorisation)
.addHeader("cache-control", "no-cache")
.build();
Response response = client.newCall(request).execute();
}
}public class TwikeyAPI {
private String host ="https://api.twikey.com",
ct = "**ct_id**",
authorisation = null; // collected through logIn
public void completeCreditTransfer(){
RestClient client = new RestClient(host + "/creditor/transfer/complete?id=123");
RestRequest request = new RestRequest(Method.GET);
request.AddHeader("cache-control", "no-cache");
request.AddHeader("authorization", authorisation);
request.AddHeader("content-type", "application/x-www-form-urlencoded");
IRestResponse response = client.Execute(request);
}
}Query parameters
| Name | Description | Required | Type |
|---|---|---|---|
| id | Id of the batch previously submitted | No | string |
| pmtinfid | PmtInfId of the batch previously submitted | No | string |
HTTP Response
| Code | Description |
|---|---|
| 200 | The request has succeeded |
| 400 | Invalid request |
Error codes
| Code | Description |
|---|---|
| err_invalid_params | No such batch available |
Identification
Fetch allowed banks
Return the banks that are currently connected to Idin
HTTP Request
GET /creditor/ident
curl https://api.twikey.com/creditor/ident \
-H 'authorization: authorization' \
-d 'ct=1234' \
-d 'method=idin'$host = "https://api.twikey.com";
$authorisation = null; //collected through login
$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor/ident?ct=1234&method=idin");
curl_setOpt($ch, CURLOPT_HTTPHEADER,"authorization: $authorization");
$server_output = curl_exec ($ch);
curl_close ($ch);var https = require('https'),
querystring = require('querystring'),
host = "api.twikey.com",
authorization = null, //collected through login
options = {
host: host,
port: '443',
path: '/creditor/ident?ct=1234&method=idin',
method: 'GET',
headers: {
'Content-Type': 'application/x-www-form-urlencoded'
}
};
var req = https.request(options, function (res) {
console.log("response: " + res)
});public class TwikeyApi{
private String host = "https://api.twikey.com";
private String authorisation = null; //collected through logIn
public void createCreditTransfer(){
OkHttpClient client = new OkHttpClient();
MediaType mediaType = MediaType.parse("application/x-www-form-urlencoded");
Request request = new Request.Builder()
.url(host + "/creditor/ident?ct=1234&method=idin")
.addHeader("content-type", "application/x-www-form-urlencoded")
.addHeader("authorization", authorisation)
.addHeader("cache-control", "no-cache")
.build();
Response response = client.newCall(request).execute();
}
}public class TwikeyAPI {
private String host ="https://api.twikey.com",
ct = "**ct_id**",
authorisation = null; // collected through logIn
public void createCreditTransfer(){
RestClient client = new RestClient(host + "/creditor/ident?ct=1234&method=idin");
RestRequest request = new RestRequest(Method.GET);
request.AddHeader("cache-control", "no-cache");
request.AddHeader("authorization", authorisation);
request.AddHeader("content-type", "application/x-www-form-urlencoded");
IRestResponse response = client.Execute(request);
}
}Query parameters
| Name | Description | Required | Type |
|---|---|---|---|
| ct | Template number | Yes | number |
| method | Method of identification | False | string |
HTTP Response
| Code | Description |
|---|---|
| 200 | The request has succeeded |
Retrieve authentication url
Retrieve direct link from the bank
HTTP Request
POST /creditor/ident
curl https://api..twikey.com/creditor/ident \
-H 'authorization: authorization' \
-d 'ct=**ct_id**' \$host = "https://api.twikey.com";
$ct = "**ct_id**";
$authorisation = null; //collected through login
$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor/ident");
curl_setopt($ch, CURLOPT_POST, 1);
curl_setopt($ch, CURLOPT_POSTFIELDS, "ct=$ct&bic=ABNANL2A");
curl_setOpt($ch, CURLOPT_HTTPHEADER,"authorization: $authorization");
$server_output = curl_exec ($ch);
curl_close ($ch);var https = require('https'),
ct= "**ct_id**",
querystring = require('querystring'),
host = "api.twikey.com",
authorization = null, //collected through login
options = {
host: host,
port: '443',
path: '/creditor/ident',
method: 'POST',
headers: {
'Content-Type': 'application/x-www-form-urlencoded'
},
data: {
"ct": ct,
"bic": 'ABNANL2A'
}
};
var req = https.request(options, function (res) {
console.log("response: " + res)
});public class TwikeyApi{
private String host = "https://api.twikey.com";
private String ct = "**ct_id**";
private String authorisation = null; //collected through logIn
public void completeCreditTransfer(){
OkHttpClient client = new OkHttpClient();
MediaType mediaType = MediaType.parse("application/x-www-form-urlencoded");
RequestBody formBody = new FormBody.Builder()
.add("ct", ct)
.add("bic","ABNANL2A")
.build();
Request request = new Request.Builder()
.url(host + "/creditor/ident")
.post(formBody)
.addHeader("content-type", "application/x-www-form-urlencoded")
.addHeader("authorization", authorisation)
.addHeader("cache-control", "no-cache")
.build();
Response response = client.newCall(request).execute();
}
}public class TwikeyAPI {
private String host ="https://api.twikey.com",
ct = "**ct_id**",
authorisation = null; // collected through logIn
public void completeCreditTransfer(){
RestClient client = new RestClient(host + "/creditor/ident");
RestRequest request = new RestRequest(Method.POST);
request.AddHeader("cache-control", "no-cache");
request.AddHeader("authorization", authorisation);
request.AddHeader("content-type", "application/x-www-form-urlencoded");
request.AddParameter(
"application/x-www-form-urlencoded",
"ct=" + ct,
"bic=ABNANL2A",
ParameterType.RequestBody
);
IRestResponse response = client.Execute(request);
}
}Query parameters
| Name | Description | Required | Type |
|---|---|---|---|
| ct | Template containing the originating account | Yes | string |
| bic | BICCode of the bank to retrieve a url for | Yes | string |
HTTP Response
| Code | Description |
|---|---|
| 200 | The request has succeeded |
Webhooks
In order to reduce the number of polling requests, one can opt to implement a webhook endpoint and use this as a way to trigger polling requests. The endpoint is set in the API section of the settings screen and will convey information about various events in Twikey. The call is done via a simple GET with basic (non-sensitive) parameters eg. http://my.company.com/callback?type=contract&mandateNumber=MNDT123&state=signed...
In order to verify that the request is indeed coming from Twikey you can verify the headers 'apiToken' and optionally 'otp' which should hold the same values as you'd use for the login.
Note that the url to be given in the interface is without parameters since these are filled up depending on the type.
type=contract
Triggered when something happens to the mandate. Activation events (when a mandate becomes suspended or gets resumed) will be included in the event=Update with the reason being either 'resumed" or 'suspended'
- mandateNumber : Mandatenumber
- contractNumber : Contract number
- state : New state of the mandate
- name : Name of the mandate
- event : Name of the event
- reason : Optional reason
curl -H "apiToken=MyToken" https://example.com/callback \
-d type=contract \
-d reason=resumed \
-d mandateNumber=CORE01 \
-d name=MyMandate \
-d contractNumber=454 \
-d state=SIGNED \
-d event=Updatetype=transaction
Triggered when a new transaction is being added.
Extra parameters:
- id : Twikey id of the transaction being added
- ref : Your reference of the transaction
- msg : Message of the transaction
type=plan
Triggered when a plan was executed
Extra parameters:
- name : Name of the plan that was executed
type=payment
Triggered when a batch of payments were received. Note that this is triggered for the batch and not per transaction as it could cause a flood of requests.
No parameters to avoid hammering your site when new transaction feedback is received
type=dunning
Triggered when a dunning action was executed for a failed transaction
Extra parameters:
- mandateNumber : Mandatenumber
- txIds : Transaction ID
Exit Url
An alternative to a webhook can be the exit url or the page where the end-user is being redirected to after signing. This is a thank-you page or a redirect to an exit url defined on the template. This url can contain variables that are filled in depending on the outcome. The variables can either be positional of named.
- {0} / {{mandateNumber}} : mandate number
- {1} / {{status}} : status (ok = signed)
- {2} / {{account}} : iban/bic encrypted wih key privateKey+contract.getMandateNumber()
- {3} / {{s}} : signature over mandate and status separated by a slash (hex encoded)
- {4} / {{token}} : token (optional: if passed in the incoming url)
Some of the exceptional statusses can be (but not limited to):
- cancel: User cancelled the session
- invalidUrl: Invalid url or signature
- inactiveTmpl: Template was inactive
- alreadySigned: Already signed
- ...
In order to be sure that the return call is coming from Twikey, it's strongly recommended to verify the signature to the exit url. Calculation of the signature is done as described in Appendix E.
eg. an exit url with the following value
http:///website.com/{0}/{1}/{3}
or
http:///website.com/{{mandateNumber}}/{{status}}/{{s}}
would be expanded to if the end-customer signed