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 Key which can be found in the Twikey Creditor Dashboard

curl -X POST https://api.twikey.com/creditor /
-d apiToken=**API KEY**

$host = "https://api.twikey.com";
$apitoken = "**API_KEY**";

$ch = curl_init();
curl_setopt($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_KEY**",
    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_KEY**";
    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_KEY**";

    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);
    }
}

{
  "Authorization": "xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx",
}

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 key	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 or to create a contract. The end-result is a signed or protected shortlink that will allow the end-customer to sign a mandate or contract. 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	International Bank Account Number of the debtor	No	string
bic	Bank Identifier Code of the IBAN	No	string
mandateNumber	Mandate Identification number (if not generated)	No	string
email	Email of the debtor	No	string
lastname	Lastname of the debtor	No	string
firstname	Firstname of the debtor	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
customerNumber	The customer number (if applicable)	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 collectable 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
document	Add a contract in base64 format	No	string
amount	In euro for a transaction via a first payment or post signature via an SDD transaction	No	string
requireValidation	Always start with the registration page, even with all known mandate details	No	boolean

                    }

HTTP Response

Code	Description
200	If the check option is provided and an existing collectable 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 or collectable (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: wet signature encoded as a base64 png (max 150 k)

curl -X POST https://api.twikey.com/creditor/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": "MyMandateId",
  "Msg": "OK"
}

HTTP Request

POST https://api.twikey.com/creditor/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
email		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
customerNumber	The customer number (if applicable)	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". After that you will receive (all) mandate updates since that time again. In order to make a split between types of documents you can pass "X-TYPES" in the header with following parameters in upper case only. (CONTRACT - CORE - B2B)

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**'
  -H 'x-reset: 2018-08-29T00:00:00.000Z'

$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). Mandates will automatically be marked as signed on import.

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 or update feed (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.

Note: Rate limits apply, though this is perfect for one-offs, for updates we recommend using the feed (see above).

Header name	Description
X-STATE	State of the mandate
X-COLLECTABLE	Whether this mandate can be used for collections (true/false)

Possible states	Description
PREPARED	User created the mandate, but the mandate is not signed yet
SIGNED	Client signed the mandate
EXPIRED	Mandate is beyond it's final date
Cancelled	Mandate has been revoked
SIGNED_PENDING_DEBTOR_BANK	only in case of B2B - debtor bank needs to validate the mandate
REFUSED_BY_DEBTOR_BANK	only in case of B2B - signed but debtor bank refused the mandate
REQUIRES_MORE_SIGNATURES	mandate needs to be signed by a 2nd person - option needs to be activated on template level
PRINT	only in case of B2B - mandate has been printed by debtor
PENDING_MERCHANT_APPROVAL	mandate has been uploaded by debtor but needs to be validated by merchant

Possible events	Description
Cancel	depending on the state of a mandate
Accepted Bank	depending on the state of a mandate
Reject Bank	depending on the state of a mandate
Sign	depending on the state of a mandate
Print	depending on the state of a mandate
Uploaded	depending on the state of a mandate
Debtor Upload	depending on the state of a mandate
Expired	depending on the state of a mandate

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)
429	Too many requests

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. If the plan requires a custom plan,all parameters need to be send.

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**' 

# Example for downloading the content straight to a file  
curl -v -X GET https://api.twikey.com/creditor/mandate/pdf?mndtId=mndtId123 -H 'authorization: **authorization**' --output test.pdf

$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);
    }
}

HTTP Request

POST https://api.twikey.com/creditor/mandate/pdf

Query Parameters

Name	Description	Required	Type
mndtId	Mandate Reference	Yes	string

HTTP Response

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

Retrieve legal terms

Retrieve legal terms

curl https://api.twikey.com/creditor/legal?locale=nl_BE \
  -H 'authorization: authorization'

$host = "https://api.twikey.com";
$authorisation = null; // collected through login

$ch = curl_init();

curl_setopt($ch, CURLOPT_URL, "$host/creditor/legal?locale=nl_BE");
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/legal?locale=nl_BE',
        headers: {
            'Content-Type': 'application/json'
        }
    };

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/json");

        Request request = new Request.Builder()
          .url(host + "/creditor/legal?locale=nl_BE")
          .addHeader("content-type", "application/json")
          .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 createCreditTransfer(){    
        RestClient client = new RestClient(host + "/creditor/legal?locale=nl_BE");
        RestRequest request = new RestRequest(Method.GET);
        request.AddHeader("authorization", authorisation);
        request.AddHeader("content-type", "application/json");
        IRestResponse response = client.Execute(request);
    }
}

{
    "tcUrl": "https://www.beta.twikey.com/nl/tc.html",
    "bySigning": "Door ondertekening van dit mandaatformulier ...",
    "rightsCore": "U kunt een Europese domiciliëring laten terugbetalen. Vraag ...",
    "rightsB2b": "Dit mandaat is uitsluitend bedoeld voor betalingen tussen bedrijven. U hebt ...",
    "infoCorrect": ""
}

Parameters

Name	Description	Required	Type
locale	the locale (fr, fr_FR, fr_BE, de, nl, nl_BE, nl_NL, es, pt, it)	no (defaults to en)	string

Responses

Code	Description
200	The request has succeeded

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) or structural message if 12 characters long	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
err_mandate_invalid_state	The mandate is 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

Transaction feed

Retrieve list of transactions that had changes since the last call. If your system is out of sync or the full transaction database needs to be refreshed an optional "X-RESET" header can be passed. The format can be a timestamp like "2018-08-20T13:02:03Z". After that you will receive (all) transaction updates since that time again.

curl https://api.twikey.com/creditor/transaction \
  -H 'authorization: **authorization**' \
  -H 'x-reset: 2018-08-29T00:00:00.000Z'

$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"
        },
        "..."
    ]
}

Possible states

Possible states	Description
OPEN	The transaction is created but not processed by the bank
PAID	The transaction has been executed + final flag info
ERROR	The transaction has not been executed + final flag info

Final flag state

Possible states	Description
TRUE	An action required from your part, paid or error like f.e. debtor deceased
FALSE	More actions are pending to debit the debtor's account

HTTP Response

Code	Description
200	The request has succeeded

Transaction status

Retrieve the status of transactions at a certain point in time, this may change at any time. We recommend using the feed to keep up to date.

Note: Rate limits apply, though this is perfect for one-offs, for updates we recommend using the update feed (see above).

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	No	string
ref	1 or more refs of a transaction	No	string
mndtId	1 or more mandate references	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)
429	Too many requests

Error codes

Code	Description
err_invalid_params	Either id or ref or mndtId is invalid or is empty

Action a transaction

Execute an action on a transaction, this will allow you to change the status or start a specific flow for the given transaction.

HTTP Request

POST /creditor/transaction/action

curl -iX POST https://api.twikey.com/creditor/transaction/action \
  -H 'authorization: **authorization**'\
  -d 'id=345' \
  -d 'action=REOFFER'

$host = "https://api.twikey.com";
$authorization = null; // collected through login

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor/transaction/action");
curl_setopt($ch, CURLOPT_POST, 1);
curl_setopt($ch, CURLOPT_POSTFIELDS,"id=345"
    ."&action=REOFFER");
$server_output = curl_exec ($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/action',
        method: 'POST',
        headers: {
            'Content-Type': 'application/x-www-form-urlencoded',
            'Authorization': authorization
        },
        body :{
            'id' : '345',
            'action': 'REOFFER'
        }
    };

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("id", "345")
            .add("action", "REOFFER")
            .build();

        Request request = new Request.Builder()
            .url(host + "/creditor/transaction/action")
            .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/action");
        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",
            "id=345" +
            'action=REOFFER"
            , ParameterType.RequestBody
        );
        IRestResponse response = client.Execute(request);
    }
}

Request Parameters

Name	Description	Required	Type	Options
id	Transaction id	Yes	string
action	Action to execute for the given transaction	Yes	string	PAID, REOFFER, TRANSFER

HTTP Response

Code	Description
200	The request has succeeded
201	Deletion of the transaction has succeeded
400	User error if parameter is given but not valid (available in api error header and response)

Error codes

Code	Description
err_no_transaction	No transaction found
err_no_contract	No mandate found (or not active)
err_invalid_params	one of the parameters provided contains invalid data

Update a transaction

Update parameters for an existing transaction.

HTTP Request

PUT /creditor/transaction

curl -iX PUT https://api.twikey.com/creditor/transaction \
  -H 'authorization: **authorization**'\
  -d 'id=345' \
  -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_CUSTOMREQUEST, "PUT");
curl_setopt($ch, CURLOPT_POSTFIELDS,"id=345"
    ."&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: 'PUT',
        headers: {
            'Content-Type': 'application/x-www-form-urlencoded',
            'Authorization': authorization
        },
        body :{
            'id' : '345',
            '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 updateTransaction(){
        OkHttpClient client = new OkHttpClient();
        RequestBody body = new FormBody.Builder()
            .add("id", "345")
            .add("message", "Monthly payment")
            .add("amount", "10")
            .build();

        Request request = new Request.Builder()
            .url(host + "/creditor/transaction")
            .put(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 updateTransaction(){    
        RestClient client = new RestClient(host + "/creditor/transaction");
        RestRequest request = new RestRequest(Method.PUT);
        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",
            "id=345" +
            "message=Monthly payment" +
            'amount=10"
            , ParameterType.RequestBody
        );
        IRestResponse response = client.Execute(request);
    }
}

Request Parameters

Name	Description	Required	Type
id	Transaction id	Yes	string
reqcolldt	Requested date of the billable event	No	string
message	Message to the customer	No	string
ref	Your reference	No	string
amount	Amount to be billed	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 api error header and response)

Error codes

Code	Description
err_no_transaction	No transaction found
err_no_contract	No mandate found (or not active)
err_invalid_params	one of the parameters provided contains invalid data
err_invalid_date	Invalid Date
err_invalid_amount	Invalid Amount given

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

Transaction reporting

Get transaction reporting, this API call will be activated on request.

Returns all reporting *since the last call. *

When you want to go back in history and retrieve past records you can pass an optional "X-RESET" header. The format can be a timestamp like "2018-10-16T13:02:03Z".

HTTP Request

GET /creditor/reporting

curl -iX GET https://api.twikey.com/creditor/reporting \
  -H 'authorization: **authorization**'

$host = "https://api.twikey.com";
$authorization = null; // collected through login

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor/reporting");
curl_setopt($ch, CURLOPT_CUSTOMREQUEST, "GET");
$server_output = curl_exec ($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/reporting',
        method: 'GET',
        headers: {
            '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 updateTransaction(){
        OkHttpClient client = new OkHttpClient();

        Request request = new Request.Builder()
            .url(host + "/creditor/transaction")
            .get()
            .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 updateTransaction(){    
        RestClient client = new RestClient(host + "/creditor/reporting");
        RestRequest request = new RestRequest(Method.PUT);
        request.AddHeader("cache-control", "no-cache");
        request.AddHeader("Authorization", authorization);
        IRestResponse response = client.Execute(request);
    }
}

HTTP Response

Code	Description
200	The request has succeeded

Error codes

Code	Description

{
    "Statements": [
        {
            "id": 146406841,
            "type": "PMNT/RCDT/ESCT",
            "date": "2018-11-20",
            "amount": 12.58,
            "iban": "BE01234567890123",
            "bic": "GEBABEBB",
            "msg": "Testing",
            "mndtId": "TST123",
            "party": "Koen BVBA"
        }
    ]
}

Collections

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

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.

Possible states

Possible states	Description
OPEN	The transaction is created but not processed by the bank
PAID	The transaction has been executed + final flag info
ERROR	The transaction has not been executed + final flag info

Final flag state

Possible states	Description
TRUE	An action required from your part, paid or error like f.e. debtor deceased
FALSE	More actions are 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.

Possible states

Possible states	Description
OPEN	The transaction is created but not processed by the bank
PAID	The transaction has been executed + final flag info
ERROR	The transaction has not been executed + final flag info

Final flag state

Possible states	Description
TRUE	An action required from your part, paid or error like f.e. debtor deceased
FALSE	More actions are pending to debit the debtor's account

Paymentlinks

Paymentlinks can facilitate a one-off payment that needs to happen or can be used in the dunning process. For the latter you don't need to use these endpoints. However if you want to use the former, these endpoints will be of service to you. We don't provide a list endpoint as updates should be retrieved upon receiving a webhook.

Create paymentlink

Create a payment link for an affiliated customer (via email) or via a name (in which case no customer is linked). It is possible to create a -consolidated- paymentlink by using the parameter txref. Unique transaction references are required! In this case you create a paymentlink linked over several transactions based on their transaction reference. Once paid, every transaction will be marked as paid as well.

HTTP Request

POST /creditor/payment/link

curl -X POST https://api.twikey.com/creditor/transaction \
  -H 'authorization: **authorization**'\
  -d 'email=no-repy@twikey.com'\
  -d 'message=Faulty payments last month'\
  -d 'amount=100'

$host = "https://api.twikey.com";
$authorization = null; /collected through logIn

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor/payment/link");
curl_setopt($ch, CURLOPT_POST, 1);
curl_setopt($ch, CURLOPT_POSTFIELDS,
      "email=no-repy@twikey.com"
    ."&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/payment/link',
        method: 'POST',
        headers: {
            'Content-Type': 'application/x-www-form-urlencoded',
            'Authorization': authorization
        },
        body :{
            'email': 'no-repy@twikey.com',
            '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("email=no-repy@twikey.com")
            .add("message", "Monthly payment")
            .add("amount", "10")
            .build();

        Request request = new Request.Builder()
            .url(host + "/creditor/payment/link")
            .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/payment/link");
        RestRequest request = new RestRequest(Method.POST);
        request.AddHeader("content-type", "application/x-www-form-urlencoded");
        request.AddHeader("Authorization", authorization);
        request.AddParameter("application/x-www-form-urlencoded",
            "email=no-repy@twikey.com" +
            "message=Monthly payment" +
            'amount=10"
            , ParameterType.RequestBody
        );
        IRestResponse response = client.Execute(request);
    }
}

{
  "id": 1,
  "amount": 55.66,
  "msg": "Test",
  "url": "https://mycompany.twikey.com/payment/tr_l2iKz0LT8HvRrmf0"
}

Request Parameters

Name	Description	Required	Type
email	Email of the debtor	No (Required to send invite)	string
lastname		Yes	string
firstname		Yes	string
l	Language (en/fr/nl/de/pt/es/it)	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
redirectUrl	Optional redirect after pay url	No	url
place	Optional place	No	string
expiry	Optional expiration date	No	date
sendInvite	Send out invite email directly	No	boolean
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
txref	References from existing transactions	No	string
method	Circumvents the payment selection with PSP (bancontact/ideal/maestro/mastercard/visa/inghomepay/kbc/belfius)	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_amount	Invalid Amount given
err_invalid_date	Invalid Expiry Date
err_duplicate_tx	Duplicate transaction

Status paymentlink

Get status of a payment link

HTTP Request

GET /creditor/payment/link

curl  https://api.twikey.com/creditor/transaction?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/payment/link?id=123");
$server_output = curl_exec ($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/payment/link?id=123',
        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 addTransaction(){
        OkHttpClient client = new OkHttpClient();    
        Request request = new Request.Builder()
            .url(host + "/creditor/payment/link/id=123")
            .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/payment/link?id=123");
        RestRequest request = new RestRequest(Method.GET);
        request.AddHeader("content-type", "application/x-www-form-urlencoded");
        request.AddHeader("Authorization", authorization);
        IRestResponse response = client.Execute(request);
    }
}

[{
   "id": 1,
   "amount": 55.66,
   "msg": "Test",
   "ref": "My Ref",
   "state": "paid" // one of created, started, declined, paid, pending, expired
 }]

Request Parameters

Either id or ref is mandatory.

Name	Description	Required	Type
id	Id of the link	No	string
ref	Your reference	No	string

Possible states

States	Description
Created	The payment link has been created but the customer did not do anything with it yet.
Started	The customer has clicked on the payment link you transmitted him but did not complete the payment. In the Twikey dashboard the state will be shown as clicked.
Pending	The customer started to pay, but did not complete the payment process. (only for iDeal, Paypal & Tikkie)
Declined	The customer completed the payment process but the payment wasn't successful
Paid	The customer paid the amount asked.
Expired	The customer did not complete the payment before the expiration date you defined when creating the payment link.

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_missing_params	No parameter given
err_no_transaction	No link found

Paymentlink Feed

Get payment link feed since the last retrieval

HTTP Request

GET /creditor/payment/link/feed

curl -X GET https://api.twikey.com/creditor/payment/link/feed \
  -H 'authorization: **authorization**'\
  -H 'x-reset: 2018-08-29T00:00:00.000Z'

$host = "https://api.twikey.com";
$authorization = null; /collected through logIn

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor/payment/link/feed?all="");
curl_setopt($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/payment/link/feed',
        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/payment/link/feed")
            .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/payment/link/feed");
        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);
    }
}

    [{
            "amount": 17.95,
            "id": 3354,
            "msg": "Betaling Factuur 123",
            "ref": "J7F079OG00000",
            "state": "paid"
        },
        {
            "amount": 19.95,
            "id": 3821,
            "msg": "Rappel Factuur 101",
            "ref": "KJEVMD5",
            "state": "paid"
        }
    ]

Request Parameters

Name	Description	Required	Type
all	Include all non-paid updates too (by default only paid updates are returned)	No	boolean

Possible states

States	Description
Created	The payment link has been created but the customer did not do anything with it yet.
Started	The customer has clicked on the payment link you transmitted him but did not complete the payment. In the Twikey dashboard the state will be shown as clicked.
Pending	The customer started to pay, but did not complete the payment process. (only for iDeal, Paypal & Tikkie)
Declined	The customer completed the payment process but the payment wasn't successful
Paid	The customer paid the amount asked.
Expired	The customer did not complete the payment before the expiration date you defined when creating the payment link.

HTTP Response

Code	Description
200	The request has succeeded

Refunds (Credit Transfer)

Refunds can be used to completely or partially refund a transaction to a debtor. In exceptional cases, you may have to transfer funds from one account to another. This could be the case when you collected money that should be transferred to another person or entity. In this case, you have to:

• define the beneficiary of the refund
• create the refund
• create the batch
• download the batch in the Twikey GUI and process the batch in your bank environment

Create/add a new credit transfer

Create or add a new credit transfer. This can only be done after the creation of the beneficary.

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 creation of a beneficairy)	Yes	string
message	Message to the creditor (maximum length of 4x35 characters)	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 of a credit transfer

Retrieve the details of a credit transfer by id. The id is the e2e id of the credit transfer upon creating the credit transfer. By hovering over the credit transfer in Twikey GUI, the E2E id appears.

HTTP Request

GET /creditor/transfer/detail

curl https://api.twikey.com/creditor/transfer/detail?id=609C16C920180919083905923 \
  -H 'authorization: authorization'

$host = "https://api.twikey.com";
$authorisation = null; //collected through login

$ch = curl_init();

curl_setopt($ch, CURLOPT_URL, "$host/creditor/transfer/detail?id=609C16C920180919083905923");
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/detail?id=609C16C920180919083905923',
        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/detail?id=609C16C920180919083905923")
          .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/detail?id=609C16C920180919083905923");
        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": "609C16C920180919083905923",
            "iban": "BE08001166979213",
            "bic": "GEBABEBB",
            "amount": 5,
            "msg": "test",
            "place": null,
            "date": "2018-09-19",
            "state": "PAID", // when paid
            "bkdate": "2017-03-24" // when paid
        }
    ]
}

Query parameters

Name	Description	Required	Type
id	id (e2e identifier) 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 a credit transfer

Remove a single credit transfer.

HTTP Request

DELETE /creditor/transfer

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

Once the credit transfers are created, you need to create the batch with refunds to send to the bank. A batch can be created based upon the account from an existing contract template or new account. After the creation of the batch, the file needs to be processed in your bank environment. For some banks we can do the upload of the batch in your bank environment, for other banks you will need to download the batch from the Twikey dashboard via the menu Refunds. A refund must always be signed extra in your bank environment.

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 all details from a specific batch

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

Get credit transfer feed

Retrieve list of credit transfers that have changes since the last call. If your system is out of sync or the full transaction database needs to be refreshed an optional "X-RESET" header can be passed. The format can be a timestamp like "2018-08-20T13:02:03Z". After that you will receive (all) transaction updates since that time again.

curl https://api.twikey.com/creditor/transfer \
  -H 'authorization: **authorization**' \
  -H 'x-reset: 2018-08-29T00:00:00.000Z'

$host = "https://api.twikey.com";
$authorization = null; // collected through login

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor/transfer");
curl_setopt($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/transfer',
        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/transfer")
            .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; // collected through login

    public void getTransactions(){    
        RestClient client = new RestClient(host + "/creditor/transfer");
        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/transfer

{
    "Entries": [
        {
            "id": "IBWICD6E44Y1N3YRMCVB2U7BA",
            "iban": "BE70361272935897",
            "bic": "GDOENFY",
            "amount": 1000,
            "msg": "credit transfer message",
            "place": null,
            "date": "2017-01-20"
        },
        {
            "id": "X52D04L9DNNPWKCRGBV7YPV2R",
            "iban": "BE93261223700539",
            "bic": "BRODBZL",
            "amount": 12345,
            "msg": "credit transfer message",
            "place": "Brugge",
            "date": "2018-01-23"
        },
        {
            "id": "ZE31QPMT6GRMHEY7IPOOD219R",
            "iban": "BE4447226747140",
            "bic": "ORNSRAM",
            "amount": 250099,
            "msg": "",
            "place": "Ghent",
            "date": "2017-03-23",
            "state": "PAID", // when paid
            "bkdate": "2017-03-24"
        },
        "..."
    ]
}

HTTP Response

Code	Description
200	The request has succeeded

Get beneficiaries

Fetch a list of all credit transfer beneficiaries created.

HTTP Request

GET /creditor/transfers/beneficiaries

curl https://api.twikey.com/creditor/transfers/beneficiaries?withAddress=true \
  -H 'authorization: authorization'

$host = "https://api.twikey.com";
$authorisation = null; //collected through login

$ch = curl_init();

curl_setopt($ch, CURLOPT_URL, "$host/creditor/transfers/beneficiaries?withAddress=true");
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/transfers/beneficiaries?withAddress=true',
        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/transfers/beneficiaries?withAddress=true")
          .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/transfers/beneficiaries?withAddress=true");
        RestRequest request = new RestRequest(Method.GET);
        request.AddHeader("authorization", authorisation);
        request.AddHeader("content-type", "application/x-www-form-urlencoded");
        IRestResponse response = client.Execute(request);
    }
}

{
    "beneficiaries": [
        {
            "name": "sdfsf",
            "iban": "BE92221216720939",
            "bic": "GEBABEBB",
            "available": true,
            "address": null
        },
        {
            "name": "beneficiary2",
            "iban": "BE16645348971174",
            "bic": "JVBABE22",
            "available": true,
            "address": {
                "street": "Veldstraat 11",
                "city": "Gent",
                "zip": "9000",
                "country": "BE"
            }
        }
    ]
}

Query parameters

Name	Description	Required	Type
withAddress	include addresses in reponse	Yes	boolean

HTTP Response

Code	Description
200	The request has succeeded
500	System error

Error codes

Code	Description
error_system	An error occured on the system

Create/update a beneficiary

In order to be able to create credit transfers, a beneficary needs to be created. If an IBAN already exists in our system, the date will be updated.

HTTP Request

POST /creditor/transfers/beneficiaries

curl -X POST https://api.twikey.com/creditor/transfers/beneficiaries \
  -H 'authorization: authorization' \
  -d 'name=Beneficiary Name' \
  -d 'iban=BE68068897250734' \
  -d 'bic=JVBABE22' 

$host = "https://api.twikey.com";
$authorisation = null; //collected through login

$ch = curl_init();

curl_setopt($ch, CURLOPT_URL, "$host/creditor/transfers/beneficiaries");
curl_setopt($ch, CURLOPT_POST, 1);
curl_setopt($ch, CURLOPT_POSTFIELDS, 
    "name=Beneficiary Name" 
    ."iban=BE68068897250734"
    ."bic=JVBABE22"
);
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/transfers/beneficiaries',
        method: 'POST',
        headers: {
            'Content-Type': 'application/x-www-form-urlencoded'
        },
        data: {
            "name": "Beneficiary Name", 
            "iban": "BE68068897250734",
            "bic": "JVBABE22"
        }
    };

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("name", "Beneficiary Name")
            .add("iban","BE68068897250734")
            .add("bic", "JVBABE22")
            .build();

        Request request = new Request.Builder()
          .url(host + "/creditor/transfers/beneficiaries")
          .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/transfers/beneficiaries");
        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", 
            "name=Beneficiary Name" +
            "iban=BE68068897250734" +
            "bic=JVBABE22"
            , ParameterType.RequestBody
        );
        IRestResponse response = client.Execute(request);
    }
}

{
    "name": "Beneficiary Name",
    "iban": "BE68068897250734",
    "bic": "JVBABE22",
    "available": true,
    "address": {
        "street": "Veldstraat 11",
        "city": "Gent",
        "zip": "9000",
        "country": "BE"
    }
}

Query parameters

Name	Description	Required	Type
name	The name of the beneficiary	Yes	string
iban	IBAN of the beneficiary	Yes	string
bic	BIC of the beneficiary	Yes	string
street	The street name and number/box	No	string
zip	The zip code	No	string
city	The city	No	string
country	the country ISO code	No	string

HTTP Response

Code	Description
200	The request has succeeded
400	Validation error due to user wrong user input
500	System error

Error codes

Code	Description
err_name_required	Invalid or missing name
err_invalid_iban	Invalid IBAN number
err_invalid_bic	Invalid BIC number
error_system	An error occured on the system

Remove a beneficiary

Remove a beneficiary based on the IBAN number. The beneficiary will be disabled but not deleted. Updating the beneficiary will re-enable it.

HTTP Request

DELETE /creditor/transfers/beneficiaries/{IBAN}

curl -X DELETE https://api.twikey.com/creditor/transfers/beneficiaries/BE16645348971174 \
  -H 'authorization: **authorization**'

$host = "https://api.twikey.com";
$authorization = null; /collected through logIn

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "$host/creditor/transfers/beneficiaries/BE16645348971174");
curl_setopt($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/transfers/beneficiaries/BE16645348971174',
        method: 'DELETE',
        headers: {
            '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/transfers/beneficiaries/BE16645348971174")
            .delete(null)
            .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/transfers/beneficiaries/BE16645348971174");
        RestRequest request = new RestRequest(Method.DELETE);
        request.AddHeader("cache-control", "no-cache");
        request.AddHeader("Authorization", authorization);

        IRestResponse response = client.Execute(request);
    }
}

HTTP Response

Code	Description
200	the request has succeeded, no content
400	bad request, the IBAN provided is not valid
404	the entity was not found
500	system error

Error codes

Code	Description
err_not_found	No such beneficary
err_invalid_iban	No beneficary found for that IBAN
error_system	An error occured on the system

Create/update beneficiaries in bulk

Create/update credit transfer beneficiaries in bulk. Data for entities will be overwritten when the IBAN exists in the system.

HTTP Request

POST /creditor/transfers/beneficiaries/bulk

# XML
curl -v -X POST https://api.twikey.com/creditor/transfers/beneficiaries/bulk \
  -H 'authorization: **authorization**' \
  -H "Accept: text/xml" \
  -d '<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<beneficiaries>
    <beneficiary>
        <name>Beneficiary Name</name>
        <iban>BE16645348971174</iban>
        <bic>JVBABE22</bic>
        <address>
            <street>Veldstraat 11</street>
            <zip>9000</zip>
            <city>Gent</city>
            <country>BE</country>
        </address>
    </beneficiary>
    <beneficiary>
        <name>Beneficiary Name</name>
        <iban>BE16645348971174</iban>
        <bic>JVBABE22</bic>
        <address>
            <street>Avenue Albert 10 B1</street>
            <zip>1000</zip>
            <city>Brussels</city>
            <country>BE</country>
        </address>
    </beneficiary>
</beneficiaries>' 

# JSON
curl -v -X POST https://api.twikey.com/creditor/transfers/beneficiaries/bulk \
  -H 'authorization: **authorization**' \
  -H "Content-Type: application/json" \
  -d '[
    {
        "name": "Beneficiary Name",
        "iban": "BE16645348971174",
        "bic": "JVBABE22",
        "address": {
            "street": "Veldstraat 11",
            "city": "Gent",
            "zip": "9000",
            "country": "BE"
        }
    },{
        "name": "Beneficiary Name 2",
        "iban": "BE16645348971174",
        "bic": "JVBABE22",
        "address": {
            "street": "Avenue Albert 10 B1",
            "city": "Brussels",
            "zip": "1000",
            "country": "BE"
        }
    }
]' 

HTTP Response

Code	Description
200	The request has succeeded
500	System error

Error codes

Code	Description
err_name_required	Invalid or missing name
err_invalid_iban	Invalid IBAN number
err_invalid_bic	Invalid BIC number
error_system	An error occured on the system

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=Update

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

This is also triggered when a paymentlink was updated to either paid, rejected or expired. In that case you will receive the initial id, ref and status back.

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 = returned without error)
• {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 returned without error

http:///website.com/MND123/ok/C9FB0D93...