VIBAN Open

Virtual IBAN Open service description

Virtual IBAN Open - Request

POST https://connect.lhv.com/viban/open

Service is used to request new Virtual IBAN opening. Only one Virtual IBAN can be opened with one service request. It is mandatory to fill in minimal data set about Virtual IBAN owner and request message structure is slightly different for private and legal persons. After receiving the request, background check is done by LHV for Virtual IBAN owner (the check is done in less than a second).

• If check is OK, then Virtual IBAN is activated at once.

• If check is not OK, then Virtual IBAN will remain in status ON_HOLD until decision about Virtual IBAN opening is made. CONNECT customer will be informed about the decision (status ACTIVE or REJECTED) via service Status notification.

Headers

Name	Value
Content-Type	application/xml
Client-Code	customer value
Client-Country	customer value

Body

574B

viban.open.request.xsd.xml

XML schema

XML structure description:

MULT.	MESSAGE ELEMENT	XML TAG	Description
[1..1]	+MessageRoot	<VibanOpenRequest>
[1..1]	++MasterAccount	<MasterAccount>	Master account IBAN (must belong to PSP).
[0..1]	++ClientReference	<ClientReference>	Customer reference defined by Payment Service Provider. Can be used to avoid opening duplicate VIBANs.
[1..1]	++User	<User>
[0..1]	+++Person	<Person>	Element of choice, used if Virtual IBAN owner is private person.
[1..1]	++++Name	<Name>	First and last name of private person.
[1..1]	++++BirthDate	<BirthDate>	Birth date of private person (YYYY-MM-DD).
[0..1]	++++BirthCountry	<BirthCountry>	Country of birth of private person (ISO 3166-1 alpha-2).
[1..1]	++++Residency	<Residency>	Country of residence of private person (ISO 3166-1 alpha-2).
[0..1]	++++DocumentNumber	<DocumentNumber>	Document number of private person.
[0..1]	+++Company	<Company>	Element of choice, used if Virtual IBAN owner is legal person.
[1..1]	++++Name	<Name>	Name of company.
[1..1]	++++CountryOfOrigin	<CountryOfOrigin>	Country of origin of legal person (ISO 3166-1 alpha-2).
[1..1]	++++TaxResidency	<TaxResidency>	Tax residency of legal person (ISO 3166-1 alpha-2).
[1..1]	++++RegistrationNumber	<RegistrationNumber>	Registration number of legal person.
[1..1]	++++Representative	<Representative>
[1..1]	+++++Name	<Name>	First and last name of representative.
[1..1]	+++++BirthDate	<BirthDate>	Birth date of representative, YYYY-MM-DD.
[1..1]	+++++Residency	<Residency>	Country of residence of representative (ISO 3166-1 alpha-2).
[1..1]	+++Address	<Address>	Address of virtual IBAN use
[1..1]	++++Country	<Country>	Address country (ISO 3166-1 alpha-2).
[1..1]	++++StreetNo	<StreetNo>	Street address.
[1..1]	++++CityCounty	<CityCounty>	City, county.

Samples

Private person

<?xml version="1.0" encoding="UTF-8"?>
<VibanOpenRequest>
  <MasterAccount>EE837700771001625166</MasterAccount>
  <ClientReference>12345678</ClientReference>
  <User>
    <Person>
      <Name>Donald Duck</Name>
      <BirthDate>1988-11-29</BirthDate>
      <BirthCountry>DE</BirthCountry>
      <Residency>DE</Residency>
      <DocumentNumber>A942819</DocumentNumber>
    </Person>
    <Address>
      <Country>EE</Country>
      <StreetNo>Majaka 47-10</StreetNo>
      <CityCounty>Xiao, Neverland</CityCounty>
    </Address>
  </User>
</VibanOpenRequest>

Legal person

<?xml version="1.0" encoding="UTF-8"?>
<VibanOpenRequest>
  <MasterAccount>EE837700771001625166</MasterAccount>
  <ClientReference>12345678</ClientReference>
  <User>
    <Company>
      <Name>UK Ltd Version 2.0</Name>
      <CountryOfOrigin>GB</CountryOfOrigin>
      <TaxResidency>GB</TaxResidency>
      <RegistrationNumber>1849203</RegistrationNumber>
      <Representative>
        <Name>Harry Potter</Name>
        <BirthDate>2001-01-01</BirthDate>
        <Residency>GB</Residency>
      </Representative>
    </Company>
    <Address>
      <Country>GB</Country>
      <StreetNo>Waterloo Bridge 13</StreetNo>
      <CityCounty>London, Cold</CityCounty>
    </Address>
  </User>
</VibanOpenRequest>

Response

Headers

Name	Value
Content-Type	application/xml
X-Bank-Code	LHVUK, LHVEE

Body

202

Request accepted - no content

403

Error code and description

<Errors>
    <Error>
        <ErrorCode>FORBIDDEN</ErrorCode>
        <Description>User doesn't exist</Description>
    </Error>
</Errors>

Response message

Response message is created and can be requests by the Messages services - Messages Services

HTTP Header Message-Response-Type: VIBAN_OPEN

Body

695B

viban.open.response.xsd.xml

XML schema

MULT.	MESSAGE ELEMENT	XML TAG	Description
[1..1]	+MessageRoot	<VibanOpenResponse>
[1..1]	++MasterAccount	<MasterAccount>
[0..1]	++ClientReference	<ClientReference>	Customer reference defined by Payment Service Provider.
[1..1]	++VirtualIBAN	<VirtualIBAN>	Virtual IBAN that was generated.
[1..1]	++User	<User>
[0..1]	+++Person	<Person>	Element of choice, used if Virtual IBAN owner is private person.
[1..1]	++++Name	<Name>	First and last name of private person.
[1..1]	++++BirthDate	<BirthDate>	Birth date of private person (YYYY-MM-DD).
[0..1]	++++BirthCountry	<BirthCountry>	Country of birth of private person (ISO 3166-1 alpha-2).
[1..1]	++++Residency	<Residency>	Country of residence of private person (ISO 3166-1 alpha-2).
[0..1]	++++DocumentNumber	<DocumentNumber>	Document number of private person.
[0..1]	+++Company	<Company>	Element of choice, used if Virtual IBAN owner is legal person.
[1..1]	++++Name	<Name>	Name of company.
[1..1]	++++CountryOfOrigin	<CountryOfOrigin>	Country of origin of legal person (ISO 3166-1 alpha-2).
[1..1]	++++TaxResidency	<TaxResidency>	Tax residency of legal person (ISO 3166-1 alpha-2).
[1..1]	++++RegistrationNumber	<RegistrationNumber>	Registration number of legal person.
[1..1]	++++Representative	<Representative>
[1..1]	+++++Name	<Name>	First and last name of representative.
[1..1]	+++++BirthDate	<BirthDate>	Birth date of representative, YYYY-MM-DD.
[1..1]	+++++Residency	<Residency>	Country of residence of representative (ISO 3166-1 alpha-2).
[1..1]	+++Address	<Address>
[1..1]	++++Country	<Country>	Address country (ISO 3166-1 alpha-2).
[1..1]	++++StreetNo	<StreetNo>	Street address.
[1..1]	++++CityCounty	<CityCounty>	City, county.
[1..1]	++Status	<Status>	Status of Virtual IBAN: 'ACTIVE' or 'ON_HOLD'.

Samples

Private person

<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<VibanOpenResponse>
    <MasterAccount>EE837700771001625166</MasterAccount>
    <ClientReference>12345678</ClientReference>
    <VirtualIBAN>EE867777000202527783</VirtualIBAN>
    <User>
        <Person>
          <Name>Donald Duck</Name>
          <BirthDate>1908-11-29</BirthDate>
          <BirthCountry>DE</BirthCountry>
          <Residency>DE</Residency>
          <DocumentNumber>A942819</DocumentNumber>
        </Person>
        <Address>
            <Country>EE</Country>
            <StreetNo>Majaka 47-10</StreetNo>
            <CityCounty>Xiao, Neverland</CityCounty>
        </Address>
    </User>
    <Status>ACTIVE</Status>
</VibanOpenResponse>

Legal person

<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<VibanOpenResponse>
    <MasterAccount>EE837700771001625166</MasterAccount>
    <ClientReference>12345678</ClientReference>
    <VirtualIBAN>EE497777000202527770</VirtualIBAN>
    <User>
        <Company>
            <Name>UK Ltd Version 2.0</Name>
            <CountryOfOrigin>GB</CountryOfOrigin>
            <TaxResidency>GB</TaxResidency>
            <RegistrationNumber>1849203</RegistrationNumber>
            <Representative>
                <Name>Harry Potter</Name>
                <BirthDate>2001-01-01</BirthDate>
                <Residency>GB</Residency>
            </Representative>
        </Company>
        <Address>
            <Country>GB</Country>
            <StreetNo>Waterloo Bridge 13</StreetNo>
            <CityCounty>London, Cold</CityCounty>
        </Address>
    </User>
    <Status>ACTIVE</Status>
</VibanOpenResponse>