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Third Party Provider (TPP) client library

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PSD2 - background and context information

With PSD2 the European Union has published a new directive on payment services in the internal market. Member States were required to adopt this directive into their national law by the 13th of January 2018. PSD2 contains regulations of new services to be operated by so called Third Party Payment Service Providers (TPP) on behalf of a Payment Service User (PSU). The ideal behind this is enbling the consumers (PSUs) to access their accounts in the manner they prefer not being tied to one bank's interface.

In order to be able to operate the new services for the PSUs a TPP needs to access the PSU's accounts, which is usually managed by another PSP called the Account Servicing Payment Service Provider (ASPSP).

TPP - transport layer requirements

The communication between the TPP and the ASPSP is always secured by using a TLSconnection using TLS version 1.2 or higher. This TLS-connection is set up by the TPP. It is not necessary to set up a new TLS-connection for each transaction, however the ASPSP might terminate an existing TLS-connection if required by its security setting.

The TLS-connection has to be established always including client (i.e. TPP) authentication. For this authentication the TPP has to use a qualified certificate for website authentication. This qualified certificate has to be issued by a qualified trust service provider according to the eIDAS regulation (eIDAS). The content of the certificate has to be compliant with the requirements of (EBA-RTS). The certificate of the TPP has to indicate all roles the TPP is authorised to use.

TPP client library

Purpose

This utility library helps TPP developers to properly configure and establish a secure connection. It also addresses all HTTP headers- and message signing- related requirements.

Basics

First, use TppClientCertParams to provide Website Authentication Certificate (wac) and signing (seal) client certificate file details(location, name, alias, password).

    TppClientCertParams tppClientCertParams = TppClientCertParams.builder().keystorePath("keystore_path")
            .sealCertName("seal_certificate.p12")
            //the alias is optional, if not specified the first key is used 
            .sealKeyAlias("seal_certificate_alias")
            .sealCertPass("seal_cert_pass")
            .wacCertName("wac_certificate.p12")
            .wacCertPass("wac_certificate_pass")
            //the alias is optional, if not specified the first certificate is used
            .wacKeyAlias("wac_certificate_alias")
            .build();

Next, instantiate a TppClientService

    TppClientService tppClientService = new TppClientServiceImpl("https://some.gateway.url", tppClientCertParams);

Finally use TppClientRequest, TppClientService and TppClientResponse to handle the communications.

    TppClientRequest request = TppClientRequest
            .builder()
            .httpMethod("GET")
            .path("/1.0/v1/accounts")
            .headers(headers)
            .requestParams(requestParams)
            .build();

    try {
        response = tppClientService.callGateway(request);

        if (HttpStatus.OK.value() != response.getStatus()) {
            // handle HTTP error 
        } else {
            //handle response.getBody();
        }
    } catch (TppClientException e) {
        // handle TppClientException 
    }

Enrollment example

https://gist.github.com/kczechbec/7593f9556f76bfd2d799cb65d27e9afc