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

XML structure description:

MULT.

MESSAGE ELEMENT

XML TAG

Description

[1..1]

+MessageRoot

[1..1]

++MasterAccount

Master account IBAN (must belong to PSP).

[0..1]

++ClientReference

Customer reference defined by Payment Service Provider. Can be used to avoid opening duplicate VIBANs.

[1..1]

++User

<User>

[0..1]

+++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

Birth date of private person (YYYY-MM-DD).

[0..1]

++++BirthCountry

Country of birth of private person (ISO 3166-1 alpha-2).

[1..1]

++++Residency

Country of residence of private person (ISO 3166-1 alpha-2).

[0..1]

++++DocumentNumber

Document number of private person.

[0..1]

+++Company

Element of choice, used if Virtual IBAN owner is legal person.

[1..1]

++++Name

<Name>

Name of company.

[1..1]

++++CountryOfOrigin

Country of origin of legal person (ISO 3166-1 alpha-2).

[1..1]

++++TaxResidency

Tax residency of legal person (ISO 3166-1 alpha-2).

[1..1]

++++RegistrationNumber

Registration number of legal person.

[1..1]

++++Representative

[1..1]

+++++Name

<Name>

First and last name of representative.

[1..1]

+++++BirthDate

Birth date of representative, YYYY-MM-DD.

[1..1]

+++++Residency

Country of residence of representative (ISO 3166-1 alpha-2).

[1..1]

+++Address

Address of virtual IBAN use

[1..1]

++++Country

Address country (ISO 3166-1 alpha-2).

[1..1]

++++StreetNo

Street address.

[1..1]

++++CityCounty

City, county.

Samples

<?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>

<?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

Request accepted - no content

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

MULT.

MESSAGE ELEMENT

XML TAG

Description

[1..1]

+MessageRoot

[1..1]

++MasterAccount

[0..1]

++ClientReference

Customer reference defined by Payment Service Provider.

[1..1]

++VirtualIBAN

Virtual IBAN that was generated.

[1..1]

++User

<User>

[0..1]

+++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

Birth date of private person (YYYY-MM-DD).

[0..1]

++++BirthCountry

Country of birth of private person (ISO 3166-1 alpha-2).

[1..1]

++++Residency

Country of residence of private person (ISO 3166-1 alpha-2).

[0..1]

++++DocumentNumber

Document number of private person.

[0..1]

+++Company

Element of choice, used if Virtual IBAN owner is legal person.

[1..1]

++++Name

<Name>

Name of company.

[1..1]

++++CountryOfOrigin

Country of origin of legal person (ISO 3166-1 alpha-2).

[1..1]

++++TaxResidency

Tax residency of legal person (ISO 3166-1 alpha-2).

[1..1]

++++RegistrationNumber

Registration number of legal person.

[1..1]

++++Representative

[1..1]

+++++Name

<Name>

First and last name of representative.

[1..1]

+++++BirthDate

Birth date of representative, YYYY-MM-DD.

[1..1]

+++++Residency

Country of residence of representative (ISO 3166-1 alpha-2).

[1..1]

+++Address

[1..1]

++++Country

Address country (ISO 3166-1 alpha-2).

[1..1]

++++StreetNo

Street address.

[1..1]

++++CityCounty

City, county.

[1..1]

++Status

Status of Virtual IBAN: 'ACTIVE' or 'ON_HOLD'.

Samples

<?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>

<?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>

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Last updated 1 year ago

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