Open Banking Support & Insights

If you need assistance, please submit a case via the Open Banking Service Desk or email us on openbankingsupport@newday.co.uk.

When contacting us, please provide as much detail as possible for effective support. Below are guidelines on the information to include based on the type of issue:

For any API related incidents, please provide:

• Summary: A description of the issue and the actions you were taking.
• Request and Response: Your request and our system’s response.
• Contact Information: Name and contact details of the person reporting the issue.
• Issue Timeline: Start and end date/time of the issue.
• Problem Details: Description of the problem, including potential impact and severity for the TPP.
• Relevant Logs: Include any relevant logs you have.
• Fix Timeline: Estimated start and end times for when the fix will take effect (if applicable).

For any customer related issues, please provide:

• Consents and/or Payment ID
• Credit Card Transactions: Account ID, last four digits of the card number, and transaction details.
• Error Details: Screenshots of the error and the full error message.
• Timestamps: Date and time when the issue occurred, and the date and time of the last successful and unsuccessful attempts.
• Customer Access History: Has the customer ever had access?
• Device Information: Device make and software version.
• Troubleshooting Steps: Has the customer cleared their cookies and cache?
• Important: Do not include any security details (e.g., passwords or PINs).

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FAQs

• What is Open Banking?

  Open Banking is a regulation introduced by the Competition and Markets Authority (CMA), requiring the largest current account providers (CMA9) to securely share customer account information and enable payment initiation with other banks and registered third-party providers (TPPs), provided the customer has given their consent. While NewDay Cards is not part of the CMA9, we offer Open Banking (OBIE)-compliant APIs to ensure PSD2 compliance for TPPs. To learn more about Open Banking, please visit the official Open Banking website.

• What is PSD2?

  PSD2 (Payment Services Directive 2) is a regulation designed to foster safer and more innovative payment services. A key aspect of PSD2 is enabling third-party access to customer accounts through APIs, allowing TPPs to create new services and products. This regulation aims to give consumers greater control and visibility over their finances.

• How do I register and get access to Open Banking APIs?

  To register and gain access to our Open Banking APIs, please visit our Open Banking Authentication API page for detailed instructions.

• How can I test endpoints in Sandbox?

  To test API endpoints in the Sandbox environment, please visit our Access to Sandbox page for further information.

• Why we reject or revoke access?

  We may block or restrict access to our APIs under the following circumstances:

  1. Unauthorised or fraudulent access: If we have reasonable grounds to believe access is unauthorised or fraudulent, we may temporarily deny access while we investigate.
  2. Non-compliance with published criteria: If your application does not meet our published access criteria, we may reject your request.
  3. Irrelevant products or services: If your application pertains to products or services that we do not offer, access may be denied. If we determine that access should be restricted or revoked, we will use the contact information in the OBIE directory to reach out to you. Our aim is to work with you to resolve any issues and restore access as quickly as possible.