*(Based on Berlin Group 1.3.2 and Extended Services 2.0)*
# Summary
Temenos provides a fully integrated front-to-back API-based solution architecture (a complete set of open APIs).
*This includes providing access to basic account information, the available balance on the account and basic transaction summary, validating and accepting payment orders on an account, calculating the cost of executing the payment (charges, exchange rates and payment execution times), providing payment status and accepting cancellation of payment orders.*
All APIs published by Temenos are based on REST architecture that prescribes rules for exchanging data between systems over the internet via HTTP protocol in accordance with prescribed standards. The Temenos REST APIs will provide access to data and represent data as ‘resources’ in selfdescribing links using machine readable JSON format.
All Temenos APIs will be fully supported and protected through system upgrades i.e. new API versions will be released when new system features are enabled so that banks have the option to select the new features as and when they require.
## Some General Remarks related to this version:
* *This API definition is based on the Implementation Guidelines of the Berlin Group PSD2 API.*
It is not an replacement in any sense.
The main specification is (at the moment) always the Implementation Guidelines of the Berlin Group PSD2 API.
* *This API definition contains the REST-API for requests from the PISP/AISP to the ASPSP.*
* *This API definition contains the messages for all different approaches defined in the Implementation Guidelines.*
## General Remarks on Data Types
The Berlin Group definition of UTF-8 strings in context of the PSD2 API have to support at least the following characters
a b c d e f g h i j k l m n o p q r s t u v w x y z
A B C D E F G H I J K L M N O P Q R S T U V W X Y Z
0 1 2 3 4 5 6 7 8 9
/ - ? : ( ) . , ' +
Space
## Berlin Group Reference Link

Bulk Initiation (BU) is a Temenos Payments Application that allows bank to upload small and medium sized bulk payment files, or manually capture bulk payments in its front office or back offices. The Application can be accessed by online channel applications by the APIs listed in this page to upload or create bulks, manage and approve them before being sent for payment execution by the bank.

APIs to retrieve and manage direct debits and mandates collection details of customers or accounts. Direct debits are typically used for recurring payments, such as credit card and utility bills, where the payment amounts vary from one payment to another.

API to create, update and manage Payment Stop instructions for an account based on the Cheque details or Transaction Amount

API to create, update and manage transaction stop instructions based on the on the nature of the transaction and any associated fund authorisation requests

Temenos Payments Hub (TPH) is a Temenos Payments Application that executes payment orders that are received from front office or back office applications. TPH processes the orders until they are being account posted or cleared with an external clearing. The APIs listed in this page can be used by online banking channels or bank host system to enquire on the payments that were processed or under processing. APIs also offer a limited set of maintenance of the payments, such as for example Recalling the payment.

Payment order application (POA) is a Temenos payments application that helps bank manage their payment orders before they are being sent for payment execution by the bank's payment system. It provides order management functionality for payers to initiate, view and manage their orders from an online channel offered by payer's bank or authorized third party. This page lists the APIs offered by Temenos payment order application to perform order management for payers.

Payment Order Application (POA) is a Temenos Payments Application that helps bank manage their Payment Orders before they are being sent for payment execution by the bank's payment system. It provides Order Management functionality for Payers to initiate, view and manage their orders from an online channel offered by payer's bank or authorized third party. This page lists the APIs offered by Temenos Payment Order Application to perform Order Management for Payers.

Request To Pay (RTP) is a Temenos Payments Application that helps Temenos bank manage their request to pay functionality. It provides RTP functionality and information exchange between the actor (payer or payee) and the RTP clearing. This page lists the APIs offered by Temenos RTP Application to consume and manage R2P functionality by Payee and Payer, who are typically accessing the application from a bank based online channel.