OPT-CBP-002Bank and TPPinconsistencyConfirmation of funds

Account or card checked

Does the check apply to an account or to a card?

The options

  • Account

    Identified by its IBAN.

  • Card

    Identified by other, with CPAN, MPAN or TPAN.

Bank side
Document the accepted schemes. The request is made in the account currency, with no currency conversion.
TPP side
The response is only a boolean.
Spec inconsistency
instructedAmount is optional in the schema, while the text requires a positive amount.

Entry checked on October 19, 2026.

Based on the STET PSD2 API 1.6.3 specification, licensed CC BY 3.0 FR.

The entry as stored
{
  "id": "OPT-CBP-002",
  "edition": "1.6.3",
  "chooser": "both",
  "title": {
    "fr": "Compte ou carte vérifié",
    "en": "Account or card checked",
    "es": "Cuenta o tarjeta verificada",
    "pt-br": "Conta ou cartão verificado"
  },
  "question": {
    "fr": "La vérification porte-t-elle sur un compte ou sur une carte ?",
    "en": "Does the check apply to an account or to a card?",
    "es": "¿La verificación se hace sobre una cuenta o sobre una tarjeta?",
    "pt-br": "A verificação é feita em uma conta ou em um cartão?"
  },
  "options": [
    {
      "label": {
        "fr": "Compte",
        "en": "Account",
        "es": "Cuenta",
        "pt-br": "Conta"
      },
      "text": {
        "fr": "Identifié par son IBAN.",
        "en": "Identified by its IBAN.",
        "es": "Identificada por su IBAN.",
        "pt-br": "Identificada pelo IBAN."
      }
    },
    {
      "label": {
        "fr": "Carte",
        "en": "Card",
        "es": "Tarjeta",
        "pt-br": "Cartão"
      },
      "text": {
        "fr": "Identifiée par `other`, avec `CPAN`, `MPAN` ou `TPAN`.",
        "en": "Identified by `other`, with `CPAN`, `MPAN` or `TPAN`.",
        "es": "Identificada por `other`, con `CPAN`, `MPAN` o `TPAN`.",
        "pt-br": "Identificado por `other`, com `CPAN`, `MPAN` ou `TPAN`."
      }
    }
  ],
  "stet": {
    "sections": [
      {
        "part": "functional-model",
        "section": "4.11.4.1",
        "page": 55
      }
    ],
    "openapi": [
      "PaymentCoverageRequestResource"
    ],
    "flows": [
      "7-1-account-amount-coverage-check"
    ],
    "changes": [],
    "remark": null
  },
  "aspsp": {
    "fr": "Documenter les schémas acceptés. La demande se fait dans la devise du compte, sans change.",
    "en": "Document the accepted schemes. The request is made in the account currency, with no currency conversion.",
    "es": "Documentar los esquemas aceptados. La solicitud se hace en la divisa de la cuenta, sin conversión.",
    "pt-br": "Documentar os esquemas aceitos. A solicitação é feita na moeda da conta, sem câmbio."
  },
  "tpp": {
    "fr": "La réponse n'est qu'un booléen.",
    "en": "The response is only a boolean.",
    "es": "La respuesta es solo un booleano.",
    "pt-br": "A resposta é apenas um booleano."
  },
  "regulation": null,
  "note": {
    "fr": "`instructedAmount` est optionnel dans le schéma alors que le texte exige un montant positif.",
    "en": "`instructedAmount` is optional in the schema, while the text requires a positive amount.",
    "es": "`instructedAmount` es opcional en el esquema, mientras que el texto exige un importe positivo.",
    "pt-br": "`instructedAmount` é opcional no schema, embora o texto exija um valor positivo."
  },
  "production": null,
  "verifiedAt": "2026-10-19"
}