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SCT12 - Financial Network Access
Connectivity to financial networks and banking systems, enabling access to payment schemes, banking networks, and correspondent relationships through the API.
Overview
This capability provides API access to global financial infrastructure, including payment networks, banking systems, and correspondent banking relationships.
Features
Feature Description Banking Network Integration Connect to banking systems Payment Scheme Access Access to payment rails Smart Routing Optimal network selection Network Monitoring Real-time status monitoring Fallback Routing Alternative routing mechanisms
Configuration Options
Level Access Features Basic Limited networks Single region Standard Regional access Multi-network routing Advanced Global access Full redundancy
API Usage
Get Available Networks
GET /api/v1/networks
Authorization: Bearer {access_token}
Response:
{
"networks" : [
{
"network_id" : "SEPA" ,
"name" : "Single Euro Payments Area" ,
"status" : "OPERATIONAL" ,
"settlement_time" : "T+1" ,
"currencies" : [ "EUR" ],
"countries" : [ "DE" , "FR" , "NL" , "BE" , "IT" , "ES" ]
},
{
"network_id" : "SEPA_INSTANT" ,
"name" : "SEPA Instant Credit Transfer" ,
"status" : "OPERATIONAL" ,
"settlement_time" : "INSTANT" ,
"currencies" : [ "EUR" ]
},
{
"network_id" : "SWIFT" ,
"name" : "SWIFT International" ,
"status" : "OPERATIONAL" ,
"settlement_time" : "T+1 to T+3" ,
"currencies" : [ "*" ]
}
]
}
Get Network Status
GET /api/v1/networks/{network_id}/status
Authorization: Bearer {access_token}
Response:
{
"network_id" : "SEPA_INSTANT" ,
"status" : "OPERATIONAL" ,
"availability" : 99.95 ,
"last_incident" : null ,
"maintenance_windows" : []
}
Get Routing Options
POST /api/v1/networks/route
Content-Type: application/json
Authorization: Bearer {access_token}
{
"destination_country" : "DE",
"destination_type" : "IBAN",
"amount" : 5000.00,
"currency" : "EUR",
"urgency" : "INSTANT"
}
Response:
{
"recommended_network" : "SEPA_INSTANT" ,
"alternatives" : [
{
"network" : "SEPA" ,
"settlement_time" : "T+1" ,
"fee" : 0.50
},
{
"network" : "SWIFT" ,
"settlement_time" : "T+2" ,
"fee" : 15.00
}
]
}
Supported Networks
Network Region Settlement SEPA EU/EEA T+1 SEPA Instant EU/EEA < 10 seconds Faster Payments UK < 2 hours SWIFT Global T+1 to T+3 SWIFT gpi Global Same-day
Integration with Other Capabilities
Capability Integration SCT03 - Country Network availability per country SCT04 - Instant Payment Instant payment rails SCT09 - Multi-Currency Cross-border networks
Network APIs View detailed network API specifications
Subscription Tier Availability
Tier Configuration Level Starter Basic Professional Standard Enterprise Advanced Custom Configurable