# OB-PIS-010 — Yes or no answer on funds

> On request, the ASPSP immediately confirms to the PISP, as a simple yes or no, whether the amount needed for the payment is available on the payer's account.

- Article: PSR 36(5)(a)
- Who is bound: ASPSP
- Who it is for: API
- Application: 21 months after entry into force, the general application date (Article 112).
- Level 2: No EBA mandate covers this obligation.
- Origin: RTS 2018/389, Art. 36(1)(c)

Provisional numbering of the April 2026 compromise (Council doc. 8221/26). The final numbering will be added when the Official Journal publishes the text, without changing the id.

## STET 1.6.3: Partial

`fundsAvailability` is only returned when the bank could not book the payment straight away, and `POST /funds-confirmations` is reserved for the CBPII role, which the PSR removes.

- <https://openfinanceguide.com/en/stet/1.6.3/endpoints/pisp/payment-requests-get>
- <https://openfinanceguide.com/en/stet/1.6.3/resources/funds-availability-information>
- <https://openfinanceguide.com/en/stet/1.6.3/endpoints/cbpii/funds-confirmations-post>

## Sources

- [Council doc. 8221/26, page 246](https://data.consilium.europa.eu/doc/document/ST-8221-2026-INIT/en/pdf#page=246)

Checked on 2026-10-04. https://openfinanceguide.com/en/dsp3/obligations/ob-pis-010