Data (Account Information Services)
PSD2 defines Account Information Service (AIS) as an online service to provide consolidated information (balance, transaction history) on one or more payment accounts held by a user with one or more payment service providers.
As it relates to an AISP, this essentially means that, under open banking protocols, banks allow access to a customer's account data by TPPs only if the customer (user) explicitly gives consent (grants permission) to let the bank allow such access.
In the context of the account information queries discussed here, AISP and TPP are one and the same.
For each TPP member, Northmill Bank imposes a maximum API request limit of 1,000 requests per minute.
The scope of analysis and service the bank supports includes comparing a user's accounts and transaction history to a range of financial service options, aggregating data across participating financial institutions and customers to create marketing profiles, and making new transactions and account changes on the user's behalf.
Before initiating a request to a Northmill Bank-connected bank, you'll first need to get the list of banks in the desired country that support the features you need to access. A GET /banks call filters the list of Northmill Bank-connected banks based on your selection criteria with respect to bank location and bank-supported features. See Bank Selection for more on filtering and selecting Northmill Bank-connected banks.
API support for accessing a user's account information institutes a communications flow that ensures all
Pictured above (click to enlarge) is the general flow. Guidance on making the appropriate POST and GET calls, as well as handling Northmill Bank responses to these requests is covered next.
Base URLs
See Base URLs.