Context

When processing Open Banking payments, you may need to access payer information such as the payer's legal name, IBAN, or bank details for transaction receipts, reconciliation processes, or other business requirements. This information is contained in the payerFinancialAddress object, but its availability depends on several factors related to the payment flow and bank responses.

Answer

Payer information is available through the payerFinancialAddress object in both the order/details endpoint and the order_updated webhook. This is available when the status is paid, and sometimes is shared prior to this by the sending bank.

How to access payer information:

1. Via API: Call the retrieve order endpoint /api/service/order/details and check the payer.FinancialAddress object

2. Via webhook: Monitor the order_updated webhook for the payerFinancialAddress object

Important limitations:

• The availability of payer information before the order is paid depends entirely on what the sending bank

• For Direct Settlement flows, payer information may not always be known and relies on the sending bank to include it in their response

• Bank names are not provided directly, but can be determined from the IBAN or BIC included in the response

• The accountHolderName field may not be consistently available across all transactions and first names can be abbreviated by the sending bank

If you need bank name information specifically, you can resolve this on your side using the IBAN or BIC that is returned in the payerFinancialAddress object, or use the BIC as a substitute for the bank name on receipts.