Introduction

Overview

Kontomatik is a read-only API to banks. Kontomatik is able to import personal data, account balances and full statements from any supported bank into your system. To do that, Kontomatik API will need end-user bank credentials (most often a bank login and password). To ask the end user for his bank credentials, we offer a widget that you can embed on your website, as an iframe.

Kontomatik Demo

Kontomatik Demo is example Kontomatik deployment. See how things can work for your end users. Kontomatik Demo allows for real data import to prove our technology worldwide.

While using the demo, don’t forget that Kontomatik is just an API, plus a small widget. You need to build your web app or mobile app on top of it. The frontend look-and-feel is entirely up to you.

Ask for demo access.

Permissionless innovation

Under the hood, Kontomatik uses screen-scraping to mimic a human using his web browser. By using the very same protocol as a web browser, Kontomatik can potentially support any online bank worldwide.

Glossary

Word	Description
Command	Provides interaction with a remote online transaction system.
Session	Context for all commands that interact with a remote online transaction system.
Sign-in widget	Embeddable iframe providing a convenient and secure way of authenticating into a remote transaction system. The end user can select the target from a long (and constantly-growing) list of banks. Once the end user has successfully logged in, you can use Kontomatik API server-side to import data.
Target	Online transaction system (internet banking platform). In the future, the API will likely support non-banking institutions, so please prefer the more general term ‘target’, instead of 'bank’, in your implementation.
User	The end user who owns bank credentials.

API Conventions

The character encoding for API requests and responses is UTF-8.
XML reply status codes are consistent with the HTTP response status codes.
XML element and attribute names use the camel case naming convention.
Dates and times follow ISO 8601 format, for example “YYYY-MM-DD” or “YYYY-MM-DDThh:mm:ssZ”.
Currency amounts use the standard computer format with two decimal places, i.e. “0.99”, “-20.00”.
The /v1/ prefix in all URLs stands for API version.

Get API access

Authentication

Kontomatik API is protected by two-factor authentication:

API key is a shared secret you are supposed to keep safe. You need to pass the apiKey HTTP parameter for all your requests.
IP address is the source IP of your requests. It will be your production server public IP. You can whitelist multiple IP addresses for your convenience. For the test API we will whitelist a wildcard * IP address to make it easier for your developers.

Test environment

Use the test environment for testing and development.

The test environment is fully-featured and unrestricted, including real data import.

We kindly ask you to not use it for your production deployments.

The test API endpoint is: https://test.api.kontomatik.com/

Request test API access at kontomatik.com.

Production environment

The production API endpoint is: https://api.kontomatik.com/

To request your production API access, please contact your sales representative.

Kontomatik is also offered in the on-premises model. Contact our Sales team to get the best offer for your individual use case.

Switching to the production environment

Clients migrating to the production environment often report receiving a 404 'InvalidSessionId’ error. This is a common mistake. You are calling the production API endpoint with a session generated for your test client id.

Before using the API in production mode, please double-check that you have replaced:

test client id with PRODUCTION CLIENT ID - in the frontend
test api key with PRODUCTION API KEY - in the backend

Another thing that triggers a 404 error is a non-whitelisted IP, which prompts the server to respond with 'We don’t know who you are…’. Please use a whitelisted IP or request your IP to be whitelisted at [email protected].

Overview

Kontomatik SignIn Widget takes end-to-end care of the bank selection and login process, at the end providing you with an authenticated session so you can focus on reading the data.

Kontomatik SignIn Widget:

Takes care of handling bank credentials. Sensitive bank credentials will never pass through your servers greatly reducing your security risks.
Makes your integration quick and easy.
Supports many unusual login scenarios (masked passwords, hardware tokens, SMS codes, CAPTCHA-s, multiple login paths and scenarios per bank, etc).
Supports all edge-cases of invalid credentials, blocked accounts, expired sessions, etc.
Has excellent, battle-tested conversion rate thanks to massive usage by our client-base.

Kontomatik SignIn Widget is an HTML5 iframe element that you embed on your website by calling our JavaScript.

Upon successful sign-in, you will be provided with the sessionId and sessionIdSignature parameters. You will need them to execute Kontomatik API commands.

<!-- index.html / head -->
<script src="https://signin.kontomatik.com/assets/signin-widget.js">
</script>

<!-- index.html / body -->
<div id="kontomatik" />

// index.js
embedKontomatik({
  client: 'YOUR_CLIENT_ID',  // replace it with your assigned client id
  divId: 'kontomatik',       // must match the div element id
  onSuccess: function(target, sessionId, sessionIdSignature, options) {
    // End-user successfully signed in to the bank
    // Pass target, sessionId and sessionIdSignature to your backend
    alert('It works!');
  }
});

To embed the widget on your web page:

Reference the widget’s JavaScript library
Add an empty <div id="kontomatik" /> element, where you want your widget to be rendered
Call the embedKontomatik JS function, specifying your identifier, div id, and callback function

See the example in the code section.

The client param identifies you and selects the API endpoint. See test and production to learn how to claim your API access.

Required params

The embedKontomatik() function takes the following obligatory parameters:

Parameter	Description
client	The client id you received from us. You will likely have two of them - one for the test and one for production API. See embedding the widget for details.
divId	Where to render the widget. Make sure this `div` element already exists before calling the `embedKontomatik()` function.
onSuccess	Callback function for end-user successful login into the bank. Please see onSuccess callback description for more details.

Optional params

The embedKontomatik() function takes the following optional parameters:

Parameter	Default	Description
country	null	Pre-selects the country. If omitted, the country drop down list will be shown. Accepted values: br cz es uk mx pl ru it lv ee.
clientIdentity	null	The full name under which your company is registered, ex. “Kreditech Holding SSL GmbH”.
locale	en	Determines end-user interface language. Accepted values: br cz en es et mx pl ru lv it.
target	null	Pre-selects the bank. If omitted, the bank drop down list will be shown. Accepted values: check target `name` attribute in Catalog command response.
ownerExternalId	null	Your own arbitrary identifier of the end user. For a lender, this might be your loan application id. If you are a bank, a credit application id might be appropriate. If you are a PFM vendor, this could be your end-user database id. Passing this param is highly recommended. It allows you to group all imported data and fetch them together, even if they span across multiple Kontomatik sessions.
showFavicons	false	Set to true to show banks’ favicons in a drop down list. Makes it easier for the end user to find a bank. Also it looks more appealing and professional. This is off by default because using bank logotypes can be a grey area in some jurisdictions.
showScreenshots	true	By default, screenshot of bank’s login page is displayed. Set the value to false if you do not wish the widget to display screenshots.
showBetaQualityLabels	true/false	Option to toggle the visibility of beta quality labels for beta quality targets. Please note the default is true on the test environment and false on production. This is an exception that breaks the symmetry between test and production.
showTargetMissingOption	true	By default, “My bank is not listed…” option is displayed on the bank selection list. Set the value to false if you do not want this option to show up on the list.
showTargetMissingForm	true	Option to control whether the user who clicked on “My bank is not listed…” option is then redirected to a form prompting the user to enter the name and url address of the unsupported bank. Passing `false` enables you to handle this scenario however you prefer.
showDefaultTarget	true	The widget displays a bank with a large market share as the default value of the bank selection list. If instead of a default target you prefer to display the message Select from list, set `showDefaultTarget` to `false`.
dynamicHeight	false	If set to true, the `<iframe>` height will change based on the content of the element. This feature is currently in beta state.
styles	null	Optional object defining the look and feel of the widget. For more information please refer to styling the widget section.

Callbacks

Signin Widget provides a set of several callbacks, which are invoked when widget enters a new state or an important event takes place. It should be emphasized, that you only need to implement the onSuccess callback.

Callbacks are passed to embedKontomatik() function as params.

Here is the brief summary of available callbacks:

Callback	Required	Description
onSuccess	yes	Callback function for end-user successful login into the bank. Please see onSuccess callback description for more details.
onError	no	Callback function for end-user failed login attempt into the bank (for any reason). Please see onError callback description for more details.
onUnsupportedTarget	no	Invoked when the user clicks “My bank is not listed…” option on the bank selection list. Please see onUnsupportedTarget callback description for more details.
onInitialized	no	Called when the application is fully initialized and ready for user interaction. Please see onInitialized callback description for more details.
onStarted	no	Called when bank selection list is shown. Please see onStarted callback description for more details.
onTargetSelected	no	Invoked when user selects bank from the list. Please see onTargetSelected callback description for more details.
onCredentialEntered	no	Called after user enters credential. Please see onCredentialEntered callback description for more details.

The following figure presents a visual reference for the callbacks and widget’s transition between stages.

onSuccess callback

When the user successfully signs into the banking system the onSuccess callback is called. It will be passed the following parameters:

Parameter	Description
target	an identifier of the bank the end user has signed into
sessionId	an identifier of the Kontomatik session
sessionIdSignature	signature created for the sessionId to detect any attempt to tamper with its value
options	an object containing extra properties, a more detailed explanation follows below

At the very least you should pass the sessionId and sessionIdSignature parameters to your backend application, which will use them later on to call Kontomatik API.

For approved clients only, the widget will prompt for a full password even though only selected characters from the credential are needed to log into the bank. This feature is required by PFM applications to store end-user credentials in the browser’s local storage. Please see our FAQ for a detailed description of acceptable use cases.

The options object contains the following properties:

Property	Available	Description
endUserFingerprint	always	the value can be used to identify the end user in order to decide whether to continue or abandon Kontomatik session
credentials	restricted	an array of objects with three properties: kind, value and unmasked. kind is an identifier for the credential type provided by the end user. value contains the credential as it was sent by the widget to the online system. unmasked contains the full credential as it was entered by the end user.
officialName	always	the full bank name

Note: By default, the options object will never contain a credentials array. You must specifically ask for this feature to be enabled.

onError callback

The onError callback is called when the user fails to sign into the bank (i.e. the user provided invalid credentials, the bank transactions system is offline). It will be passed the following parameters:

Parameter	Description
exception	indicates what went wrong during the attempt to sign in. For more details please refer to error handling.
options	an object containing extra properties, a more detailed explanation follows below

The options object contains the following properties:

Property	Available	Description
target	always	an identifier of the bank the end user has attempted to sign into
sessionId	always	an identifier of the session that has resulted in an error
officialName	always	the full bank name

Please note that you do not have to implement this. The widget handles error paths gracefully. This only serves informational purposes and should not affect your UI flow.

onUnsupportedTarget callback

In case when the user’s bank is not listed, the user can select “My bank is not listed…” option on the dropdown list. The user is then redirected to a form, where he or she is prompted to enter the name and the url address of the missing bank. Regardless whether the user enters any text, the onUnsupportedTarget callback is fired. It will be passed an object with the following properties:

Property	Description
target	the name of the bank the user has entered
country	location of the requested bank
address	the url address of the bank’s login page

onInitialized callback

The onInitialized callback is called when the widget is ready for user interaction, that is a fully initialized bank select list is shown. The callback could be useful in case you decide to show your own spinner until the widget is initialized.

Note: the callback will be fired only once in widget’s lifecycle.

onStarted callback

In contrast to onInitialized callback, the onStarted callback is called each time a bank selection list is shown to the end user.

onTargetSelected callback

The onTargetSelected callback is called when the user selected a bank and clicked the “next” button. The callback will be passed an object with the following properties:

Property	Description
name	an identifier of the bank the end user has selected
officialName	the full bank name

onCredentialEntered callback

The onCredentialEntered callback is called when user entered credential and clicked the “next” button.

embedKontomatik({
  /*
  ... (see Embedding the widget for the full reference) ...
  */
  styles: {
    bodyBgColor: '#20252b',
    textColor: '#ebebeb',
    borderRadius: '10px',
    btnBgColor: '#4e5d6c',
    btnBorderColor: 'transparent',
    btnTextColor: '#fff',
    btnPrimaryBgColor: '#e76d3b',
    btnPrimaryBorderColor: 'transparent',
    btnPrimaryTextColor: '#fff',
    inputBgColor: '#4e5d6c',
    inputBorderColor: 'transparent',
    inputBorderFocusColor: '#2c97de',
    inputTextColor: '#fff',
    inputDisabledTextColor: '#b4bcc2',
    alertErrorBgColor: '#d9534f',
    alertErrorBorderColor: 'transparent',
    alertErrorTextColor: '#fff',
    menuHighlightBgColor: '#2c3e50'
  }
});

Scope and approach

Widget offers easy customization of colors but no arbitrary CSS overrides.

Why no CSS overrides? We improve the widget every month in a CSS-breaking way to further optimize conversion rate, security and usability.

Allowing for arbitrary CSS overrides would effectively block us from ongoing widget development (or we would break our customers layouts).

This limitation brings mutual benefits - you automatically get all important improvements, for free.

We believe you can get very close to your ideal visual effect just by smartly customizing the colors.

How to customize the colors?

Customization is achieved by passing the styles: { /* ... */ } option to embedKontomatik() function.

For a complete list of styles object properties see the following table.

Key	Description
alertErrorBgColor alertErrorBorderColor alertErrorTextColor	respectively controls the background, border and text color of an error message alert box
bodyBgColor	the background color of the widget
borderRadius	controls the corner roundness of all input components (buttons, inputs, alert box). The default value is 4px
btnBgColor btnBorderColor btnTextColor	respectively controls the background, border and text color of the “Change bank” button
btnPrimaryBgColor btnPrimaryBorderColor btnPrimaryTextColor	respectively controls the background, border and text color of the “Next” and “Try again” buttons
inputBgColor inputBorderColor inputTextColor inputDisabledTextColor inputBorderFocusColor	the first three keys control the background, border and text color of all inputs and dropdown lists. The inputDisabledTextColor key controls the text color of disabled element. The last key - inputBorderFocusColor - controls the border color of an input that has focus
menuHighlightBgColor	controls the background color of a menu item the mouse pointer is over
textColor	text color

The color values use a subset of standard CSS color definitions, you can use both the hexadecimal (#123456) as well as the standard RGB (rgb(12, 34, 56)) notations.

Additionally, you can also use transparent and inherit keywords. However the RGBA, HSL and HSLA notations are not supported. You cannot use predefined HTML and CSS color names.

The properties which take length values accept standard CSS length units like px, em and so on.

Best practices

For the end user the task of submitting bank credentials on your non-bank website can be a surprising and tricky task.

We must aim to make this process as pleasant and smooth as possible.

To maximize the conversion rate we highly recommend adhering to the following guidelines:

Provide extensive description

Explain to the end user that he is expected to provide his real bank credentials, typically a login and a password.
Highlight the benefits of the process (like no hassle to provide paper documents, instant loan approval, etc).
Explain why using the widget is safe, as some end users may have concerns about the need to provide bank credentials. You should strongly emphasize that under no circumstances users’ credentials are stored.

We strongly recommend to make the widget an individual and completely separate step in the loan application process:

Using the widget requires the end user’s ultimate focus:
- the end user is expected to carefully read accompanying instructions
- the end user must take extra care when entering credentials, especially when he or she does not use online banking on a regular basis
Using the widget might be a time-consuming task, as in most cases this would be the first time the end user has ever used such a tool.
The widget is multi-step by itself.

Consider making Kontomatik the primary scenario/path in your loan application process

Some of our clients use Kontomatik as the only or the primary scenario in their loan application processes.

It will unify loan application processing for all end users
It will put less stress on your IT resources, as there would be less support needed

Of course, details vary between markets and it is not always realistic to expect all users to go through Kontomatik.

Give users something to do while background import takes place

Design the loan application form so that the Kontomatik Sign-In widget is one of the intermediary steps. The import process takes a short while to complete, so the end user might just as well continue filling out the rest of the application form.

Use gzip encoding in your HTTP requests to download data faster

Request

curl --get \
  --header "Accept-Encoding: gzip" \
  https://test.api.kontomatik.com/isItWorking

In your HTTP client library add the Accept-Encoding header for all HTTP requests:

Accept-Encoding: gzip

Basic API

Tutorial

We recommend to get API access for this section, if you haven’t done so already.

The first step is to embed the SignIn Widget on your website. Kontomatik SignIn widget takes care of asking the end user for his bank credentials and logging into the bank on his behalf.

The following steps depict a common scenario to download all essential data.

End user visits your website and arrives to the step involving Kontomatik.
End user successfully logs into the selected internet banking using Kontomatik Sign-in widget. The Widget will then provide you with the sessionId, sessionIdSignature, target and options parameters via JavaScript callback. You will need both the sessionId and sessionIdSignature parameters to execute commands server-side.
Pass all received parameters to your backend application. All remaining steps of this tutorial are performed server-side.
Execute default-import command. You will get command id in reply. The command is asynchronous. It imports all essential personal and financial data. Depending on the target and its present load, it takes anywhere from a few seconds to several minutes. Our global median is 12 seconds.
At regular intervals poll the status of the default-import command (every ~1 second or so). Once the command’s status changes to successful, the reply will also contain all data.
Optionally request the Financial Health Indicator to learn about bank accounts’ trustworthiness level.
Provide feedback to the user regarding successful completion of the process.

Default import command

Request

curl -X POST \
  --data "apiKey=YOUR_LONG_API_KEY_HERE" \
  --data "sessionId=999999" \
  --data "sessionIdSignature=ffff....ffff" \
  --data "since=YYYY-MM-DD" \
  https://test.api.kontomatik.com/v1/command/default-import.xml

Response

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/command.xsd" status="202 Accepted">
  <command id="000000" state="setup" name="DefaultImportCommand" target="Alior">
    <progress><value>0</value></progress>
  </command>
</reply>

Final result of polling for this command status

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/default_import.xsd" status="200 OK">
  <command id="653643" state="successful" name="DefaultImportCommand" target="Alior">
    <progress><value>13</value></progress>
    <result>
      <owners>
        <owner>
          <name>Jan Kowalski</name>
          <address>Kwiatowa 8/97 Warszawa  PL</address>
          <polishPesel>84011806651</polishPesel>
          <phone>+48612***078</phone>
          <email>[email protected]</email>
          <citizenship>PL</citizenship>
          <personalDocumentType>Identity document</personalDocumentType>
          <personalDocumentNumber>AAB123456</personalDocumentNumber>
          <birthDate>1984-01-18</birthDate>
          <kind>OWNER</kind>
        </owner>
        <!-- ... more owners ... -->
      </owners>
      <accounts>
        <account>
          <name>eKONTO</name>
          <iban>PL32114020040000320250132522</iban>
          <currencyBalance>1467.39</currencyBalance>
          <currencyFundsAvailable>1407.39</currencyFundsAvailable>
          <currencyName>PLN</currencyName>
          <owner>Jan Kowalski, Adam Nowak</owner>
          <activeSinceAtLeast>2000-02-28</activeSinceAtLeast>
          <moneyTransactions>
            <moneyTransaction>
              <transactionOn>2012-06-28</transactionOn>
              <bookedOn>2012-06-30</bookedOn>
              <currencyAmount>20.00</currencyAmount>
              <title>Return for beer in a pub</title>
              <party>Jan Kowalski</party>
              <partyIban>PL68249000050000400075212326</partyIban>
              <kind>EXTERNAL INCOMING TRANSFER</kind>
              <labels>
                <label><!-- label type --></label>
                <!-- ... more labels ... -->
              </labels>
            </moneyTransaction>
            <!-- ... more transactions ... -->
          </moneyTransactions>
        </account>
        <!-- ... more accounts ... -->
      </accounts>
    </result>
  </command>
</reply>

Initiates the default data import flow. Use it to get started quickly. This command will import all essential data with one API call.

This will get you:

account owner(s) personal data for KYC check
bank accounts listing with balances and account numbers
the full statements for the requested period

The command is asynchronous. It returns command id. Use this call to poll for command status and to fetch results once the command is done.

Important. Do not set a timeout for the polling loop. Be prepared to wait for several minutes until Kontomatik fetches all the transaction history you requested. If you quit polling, you abandon the results and you pay for data you never received. If you must set a timeout, then use an ownerExternalId parameter to retrieve the data later on.

Important. After the default-import command successfully completes, the user is automatically signed out of the bank’s transaction system and the session is closed. You cannot use a closed session to execute additional commands.

HTTP Request

POST /v1/command/default-import.xml

Parameters

Parameter	Default	Description
apiKey	obligatory	API key.
sessionId	obligatory	Session identifier.
sessionIdSignature	obligatory	Signature preventing session id enumeration by attacker.
since	obligatory	Start date in YYYY-MM-DD format. Only transactions that occurred on or after the `since` date will be imported.

Data returned

Command execution can take anywhere from several seconds to several minutes, with 12s being our global median. You will learn when it’s done by polling for the command status.

Once the command status turns to successful the <result> element will be present containing all imported data.

See on the right pane how the data structure looks like. You will get <owners>, <accounts>, and <moneyTransactions> all together.

For a detailed description of all XML elements see the documentation of the relevant commands in the advanced API.

Default import flow VS custom import flow

The default-import command is a high-level API on top of primitive commands, such as import-owners, import-accounts, import-account-transactions.

The primitive commands allow you to independently import owners and/or accounts and/or transactions on the selected accounts. You can build your custom-tailored import flow. In fact, the default-import is simply a macro-command implemented on top of other commands.

Command status

Request

curl --get \
  --data "apiKey=YOUR_LONG_API_KEY_HERE" \
  --data "sessionId=999999" \
  --data "sessionIdSignature=ffff....ffff" \
  https://test.api.kontomatik.com/v1/command/000000.xml

Response for command in setup state

<?xml version="1.0" encoding="utf-8"?>
<reply status="200 OK">
  <command id="000000" state="setup" name="...">
    <progress><value>0</value></progress>
  </command>
</reply>

Response for command in in_progress state

<?xml version="1.0" encoding="utf-8"?>
<reply status="200 OK">
  <command id="000000" state="in_progress" name="...">
    <progress><value>8</value></progress>
  </command>
</reply>

Response for command in successful state:

<?xml version="1.0" encoding="utf-8"?>
<reply status="200 OK">
  <command id="000000" state="successful" name="...">
    <progress><value>123</value></progress>
    <result>
      <!-- imported data, command specific -->
    </result>
  </command>
</reply>

Response for command in cancelled state

<?xml version="1.0" encoding="utf-8"?>
<reply status="200 OK">
  <command id="000000" state="cancelled" name="...">
    <progress><value>123</value></progress>
  </command>
</reply>

Response for command in error state:

<?xml version="1.0" encoding="utf-8"?>
<reply status="200 OK">
  <command id="000000" state="error" name="...">
    <progress><value>20</value></progress>
    <exception name="SessionExpired">
      <message>Exception message</message>
      <!-- optional tag -->
      <friendlyMessage>Exception message in local language</friendlyMessage>
    </exception>
  </command>
</reply>

Response for command in fatal state:

<?xml version="1.0" encoding="utf-8"?>
<reply status="200 OK">
  <command id="000000" state="fatal">
    <progress><value>25</value></progress>
    <exception name="ExampleException">
      <message>Exception message</message>
    </exception>
  </command>
</reply>

Returns information about the status and progress of the command. Once the command has successfully completed, the request will also return the imported data.

Most of the commands are asynchronous and upon initiating them, the command identifier is immediately returned to the client. The client should poll the status of the command using command id.

HTTP Request

GET /v1/command/:id.xml

Parameters

Parameter	Default	Description
apiKey	obligatory	API key.
sessionId	obligatory	Session identifier.
sessionIdSignature	obligatory	Signature preventing session id enumeration by attacker.
:id	obligatory	Command identifier as part of the URL.

Data returned

See on the right pane how the data structure looks like per command status.

For a detailed description of <result> content see the documentation of the relevant commands in the advanced API.

Command states table:

State	Description
setup	command is queued and is awaiting allocation of resources
in_progress	command is scraping data from online transaction system
successful	the command has successfully executed. All data imported by the command is contained inside `<result>` tag.
cancelled	the command has been cancelled by the service client
error	command execution failed to complete due to: 1) errors beyond Kontomatik control (i.e. expired session with transaction system, target transaction system is experiencing some technical problems) 2) client induced errors (i.e. invalid bank account number, unsupported command for a given target). The `<exception>` element contains error details. Errors should not be reported to Kontomatik.
fatal	a bug in Kontomatik software. If you use our hosted service we will learn about all fatal errors automatically. If you host Kontomatik on your servers you should report all fatals to us, including the full reply content.

Error handling

We can divide possible errors into four categories:

Caused by external factors (bank offline, network issues, etc)
Caused by bad API integration (incorrect API calls)
Caused by bugs in Kontomatik (unexpected corner cases we must fix)
Caused by the end user (entered invalid password, etc)

Errors caused by external factors

Command execution may fail due to causes beyond our control. Temporary unavailability of the bank and expired sessions are just two examples of what can go wrong.

Exception	Description
IOException	Network issue between Kontomatik and bank occurred. For example the bank failed to respond in a timely manner. What to do: retry command that failed up to 3 times, then give up and ask user to try again later.
SessionExpired	The session with the online transaction system has expired. What to do: ask the user to try again (show the widget step) and to not use the bank manually at the same time as parallel sessions can kill each other.
ConcurrentSessionsLimitExceed	User has not signed out and second session cannot be started until the abandoned one expires. What to do: ask the user to try again (show the widget step) in a few hours.
ServiceTemporarilyUnavailable	Online transaction system is temporarily unavailable. What to do: ask the user to try again in a few minutes because his online banking is temporarily unavailable.
ServiceMaintenance	Online transaction system under maintenance. What to do: ask the user to try again in a few hours because his online banking is undergoing planned maintenance.

API integration errors

Response (example)

<?xml version="1.0" encoding="utf-8"?>
<reply status="404 Not Found">
  <exception name="InvalidCommandId">
  </exception>
</reply>

If you get one of these errors you should review your API client code for integration issues. These errors can be caused by numerous factors, like passing invalid params or failure to pass all required params.

Exception	Description
CommandNotAvailable	The command is not available for the selected target
InvalidCommandId	Invalid command identifier (e.g. if client keeps polling a command that entered in a final state, after 60 seconds we return InvalidCommandId)
InvalidOwnerExternalId	Invalid identifier of the data owner
NotSignedIn	Only signed-in user can call the command
AlreadySignedIn	You cannot sign-in twice in the same session - start a new session
InvalidIban	Invalid bank account number (e.g. empty, incorrect syntax)
InvalidTarget	Invalid target identifier
InvalidSessionId	Invalid session identifier (e.g. client calls the production endpoint with a session created on the test environment)
InvalidSessionIdSignature	One or both of sessionId and sessionIdSignature passed parameters were malformed
InvalidSince	Invalid start date
JobsQuotaExceeded	Your app has started too many imports simultaneously. What to do: wait for 10-15 seconds to allow some of the imports to finish and resubmit the command. If you get the same error, repeat the process until the command is accepted.

Bugs in Kontomatik

The following should be considered bugs in the Kontomatik Service. Most likely, some edge case condition occured and our software was not prepared for this. Kontomatik should be improved to cover this case. You may want to excuse your user and redirect him to the other path.

In case of a SaaS deployment we will be automatically notified so you don’t have to take any action. In case of self-hosting these errors should be reported to [email protected], attaching the XML reply and logs of the application server.

There are two scenarios to consider:

HTTP response status code >= 500

As with any HTTP service, it is a good practice to properly handle occasional server hard fails like '500 Internal Server Error’ or '503 Service Unavailable’.

Simply check for the HTTP response status code. Of course, don’t assume XML body in this case.

Unexpected async command failure

You will learn about this error after polling for command status and noticing the fatal command state:

Please note that the HTTP response status code will be still '200 OK’ because your query for the command status worked fine. It is only the asynchronous command that failed earlier.

Exception	Description
KontoXBug	Unhandled condition occured. What to do: in a SaaS deployment you don’t have to do anything. We get notified and you can expect the bug will be resolved in a timely manner. In on-premises deployments you should send us the whole XML response.

Errors caused by the end user

These errors are a “fault” of the end user. The SignIn Widget will handle it by kindly asking the user to resolve the issue and try again. You do not have to do anything.

Exception	Description
AccessBlocked	Access to the account is blocked. What to do: ask the user to call his bank and unblock his online access.
AccessTemporarilyBlocked	Access to the account is temporarily blocked and expected to auto-unlock. What to do: ask the user to try again in a few hours.
ManualActionRequired	A manual action in the online transaction system is required (e.g. accepting changes in terms of use). What to do: ask the user to manually log into the bank and take care of all pop-ups, new terms of use etc.
InvalidCredentials	End user entered invalid credential. What to do: let the user try again entering credentials.
TargetCredentialsMismatch	End user entered credentials that match a different, possibly unsupported, transactional system. For example company credentials are used instead of individual account credentials.
UnsupportedLoginMethod	This login scenario is not supported. What to do: ask the user to login in a more standard way.
UnsupportedLanguage	The language of the bank UI is not supported. What to do: ask the user to change the bank online UI locale to the default one.
InsufficientIdentificationLevel	The user has opened the account anonymously from his mobile phone and because of this, identification data is missing or cannot be validated. This error can only occur for the target Webmoney_ru.

Advanced API

Tutorial

Please get API access if you haven’t done so already.

Follow this if you need a full control over the data import process and flow. If you just want to get key data quickly see the basic tutorial.

The first step is to embed the SignIn Widget on your website. Kontomatik SignIn widget takes care of asking the end user for bank credentials and logging into the bank on the user’s behalf.

User visits your website and arrives to the step involving Kontomatik.
User successfully logs into the selected internet banking using Kontomatik Sign-in Widget. The Widget will provide you with the sessionId, sessionIdSignature, target and options parameters via JavaScript callback. You will need both the sessionId and sessionIdSignature parameters to execute commands server-side.
Pass all received parameters to your backend application. It is assumed that the remaining steps of this tutorial are performed server-side.
Get catalog for a list of commands supported by the selected target.
Execute import-owners command. You will get commandId in reply. The command is asynchronous and it fetches personal data of the account owner(s). Depending on the target and its present load, it takes about 0.5 - 10s.
- At regular intervals poll the status of the command. Once the command’s status changes to successful, the reply will also contain the data.
Execute import-accounts command. You will get commandId in reply. The command is asynchronous and it fetches user’s bank accounts. Please note only accounts are fetched without any transactions. Depending on the target and its present load, it takes about 0.5 - 15s.
- At regular intervals poll the status of the command. Once the command’s status changes to successful, the reply will also contain a list of imported accounts.
For each account imported in previous step:
- Execute import-account-transactions command parameterized with the account number (iban) and start date (since) to initiate transactions import. You will get a commandId in reply. The command is asynchronous. It usually takes anywhere from a few seconds to up to several minutes in the worst case scenario.
- At regular intervals poll the status of the import-account-transactions command. Once the command’s status changes to successful, the reply will also contain a list of imported transactions for the given account.
Optionally fetch all data for the specified end user. While each command returns its data as soon as it finishes, it may be handy for you to fetch all data together in one XML at the end of the session or to aggregate several sessions of a single user. Pass your ownerExternalId to select the right end user.
Optionally fetch aggregated values for the specified end user. This allows you to learn about the number and sum of incomes and spendings, among other things. Pass it your ownerExternalId and periodMonths.
Optionally log out from the online transaction system if a given target supports sign-out.xml command.
Provide feedback to the end user regarding successful completion of the import process.

Catalog

Request

curl --get \
  --data "apiKey=YOUR_LONG_API_KEY_HERE" \
  --data "country=pl" \
  --data "favicons=false" \
  https://test.api.kontomatik.com/v1/catalog.xml

Response

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/get_catalog.xsd" status="200 OK">
  <targets>
    <target name="Bos" officialName="BOŚ Bank">
      <commands>
        <command name="EnterCredentialCommand"/>
        <command name="ImportAccountTransactionsCommand"/>
        <command name="ImportAccountsCommand"/>
        <command name="ImportOwnersDetailsCommand"/>
      </commands>
      <favicon imageFormat="image/x-icon">
        AAABAAMAE...AAAAA=
      </favicon>
    </target>
    <!-- ... more targets ... -->
  </targets>
</reply>

Returns a list of supported banks and a list of available commands for each bank.

Both of the supported banks and available commands lists are dynamical, so it is recommended not to hard-code them into the implementation of the client to Kontomatik. The client should request the catalog whenever a list of banks or commands is needed.

HTTP Request

GET /v1/command-catalog.xml

Parameters

Parameter	Default	Description
apiKey	obligatory	API key.
country	pl	Filters banks by the country they operate in. The parameter is case insensitive and uses two letter country codes as defined by the ISO 3166-1 standard. The default value is `pl`; to display banks available in all supported countries use `all` value for the parameter.
favicons	false	Controls whether the catalog should return banks’ favicons. If you are using Kontomatik Sign-in Widget then it is strongly recommended not to use this feature in order to save on bandwith.

Data returned

Description of <target> element:

Attribute	Description
name	an internal identifier for the bank
officialName	full bank name

Description of <command> element:

Attribute	Description
name	holds command’s formal name; by searching the catalog you can check if the given functionality (e.g. owners’ details import) is available for a given bank

The <favicon> element is displayed only if the favicons parameter was set to true. The tag holds base64 encoded bytes of the bank’s favicon. The imageFormat attribute indicates the image format of the favicon.

Import Owners (command)

Request

curl -X POST \
  --data "apiKey=YOUR_LONG_API_KEY_HERE" \
  --data "sessionId=999999" \
  --data "sessionIdSignature=ffff....ffff" \
  https://test.api.kontomatik.com/v1/command/import-owners.xml

Response

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/command.xsd" status="202 Accepted">
  <command id="653643" state="setup" name="ImportOwnersCommand" target="Alior">
  <progress><value>0</value></progress>
  </command>
</reply>

Final result of polling for this command status

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/import_owners_details.xsd" status="200 OK">
<command id="653643" state="successful" name="ImportOwnersCommand" target="Alior">
    <progress><value>1</value></progress>
    <result>
      <owners>
        <owner>
          <kind>OWNER</kind>
          <name>Jan Witkacy Kowalski</name>
          <address>Krótka 8, Wąchock</address>
          <polishPesel>82012905123</polishPesel>
          <polishNip>1258882345</polishNip>
          <phone>694234567</phone>
          <email>[email protected]</email>
          <citizenship>Kazakhstan</citizenship>
          <nationality>Polskie</nationality>
          <personalDocumentType>Passport</personalDocumentType>
          <personalDocumentNumber>FGH123456</personalDocumentNumber>
          <birthDate>1960-02-29</birthDate>
          <polishRegon>121260111</polishRegon>
        </owner>
      </owners>
    </result>
  </command>
</reply>

Initiates import of a bank account’s owners and co-owners. The command aims to return all possible details about every owner. In contrast to the import-accounts this command takes data from the global settings/profile rather than from the individual sub-accounts.

The command is asynchronous and it returns command id. Use this call to poll for command status and to fetch results once the command is done.

HTTP Request

POST /v1/command/import-owners.xml

Parameters

Parameter	Default	Description
apiKey	obligatory	API key.
sessionId	obligatory	Session identifier.
sessionIdSignature	obligatory	Security parameter to prevent session enumeration.

Data returned

Once the command status turns to successful the <result> element will be present containing a list of owners.

See on the right pane how the data structure looks like.

TODO: add missing attributes we support

Data	Availability	Description
kind	guaranteed	one of: “OWNER”, “CO_OWNER, "COMPANY”
name	guaranteed	name (name and surname or company’s name)
address	possibly none	address of the owner, as presented by bank; if multiple addresses are found (such as permanent address and contact address) the field will contain all of them, in a comma-separated list
polishPesel	possibly none	Polish PESEL number
polishNip	possibly none	Polish NIP number
phone	possibly none	phone
email	possibly none	e-mail
citizenship	possibly none	citizenship
nationality	possibly none	nationality
personalDocumentType	possibly none	identity document type, as presented by the bank
personalDocumentNumber	possibly none	identity document number
birthDate	possibly none	date of birth
polishRegon	possibly none	Polish REGON number
birthPlace	possibly none	Place of owner’s birth

Import Accounts (command)

Request

curl -X POST \
  --data "apiKey=YOUR_LONG_API_KEY_HERE" \
  --data "sessionId=999999" \
  --data "sessionIdSignature=ffff....ffff" \
  https://test.api.kontomatik.com/v1/command/import-accounts.xml

Response

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/command.xsd" status="202 Accepted">
  <command id="653643" state="setup" name="ImportAccountsCommand" target="Alior"/>
</reply>

Final result of polling for this command status

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/import_accounts.xsd" status="200 OK">
<command id="653643" state="successful" name="ImportAccountsCommand" target="Alior">
    <progress><value>1</value></progress>
    <result>
      <accounts>
        <account>
          <name>eKONTO</name>
          <iban>PL32114020040000320250132522</iban>
          <currencyBalance>1467.39</currencyBalance>
          <currencyFundsAvailable>1407.39</currencyFundsAvailable>
          <currencyName>PLN</currencyName>
          <owner>Jan Kowalski, Adam Nowak</owner>
          <activeSinceAtLeast>2000-02-28</activeSinceAtLeast>
          <directDebit available="true"/>
        </account>
        <!-- ... more accounts ... -->
      </accounts>
    </result>
  </command>
</reply>

Initiates import of bank accounts.

The command is asynchronous and it returns command id. Use this call to poll for command status and to fetch results once the command is done.

HTTP Request

POST /v1/command/import-accounts.xml

Parameters

Parameter	Default	Description
apiKey	obligatory	API key.
sessionId	obligatory	Session identifier.
sessionIdSignature	obligatory	Security parameter to prevent session enumeration.
fast	true	Pass `false` to get a richer data set in some banks. In slow mode you are much more likely to get additional details such as the owner’s address and opening dates of the user’s accounts. Slow mode decreases execution speed but the time overhead is reasonable. Use fast mode only if execution speed is critical for you.

Data returned

Once the command status turns to successful the <result> element will be present containing a list of accounts.

See on the right pane how the data structure looks like.

Data	Availability	Description
name	guaranteed	official account name, as shown in the bank’s transaction system
friendlyName	possibly none	a name assigned by the user for this account
iban	guaranteed	full account number (with country code for 'true’ IBAN accounts)
currencyBalance	guaranteed	current account balance in an account’s currency (it can be different than the currency of the country in which the bank is located in)
currencyFundsAvailable	available except for exceptional circumstances	equals to the balance being at user’s immediate disposal (it can be different than the currency of the country in which the bank is located in). Can be lower than currencyBalance field.
currencyName	guaranteed	currency symbol, e.g. “PLN”
owner	available except for exceptional circumstances	name of the owner or owners of the account as supplied by the bank system. The information can be scraped either from account details or from outgoing transfers. The field is filled in more than 99% cases. In rare circumstances it can be empty, e.g. all of the following conditions are satisfied: the bank does not present owner in the account details or profile/settings and there were no outgoing transactions found.
activeSinceAtLeast	available except for exceptional circumstances	the date when the account was opened or the date of the oldest transaction found (but not older than a year if searching for older transactions would substantially affect the execution time of the command
directDebit	possibly none	marks whether the account supports direct debit or not, using a `true` or `false` value for the `available` attribute. Direct debit accounts can be safely selected by lenders as the destination account for the loan transfer, while non direct debit accounts are tipically savings accounts that do not accept direct transfers. If there is not enough data to resolve this field, the tag will not be present.

Import Transactions (command)

Request

curl -X POST \
  --data "apiKey=YOUR_LONG_API_KEY_HERE" \
  --data "sessionId=999999" \
  --data "sessionIdSignature=ffff....ffff" \
  --data "iban=PL00000000000000000000000000" \
  --data "since=2015-12-01" \
  https://test.api.kontomatik.com/v1/command/import-account-transactions.xml

Response

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/command.xsd" status="202 Accepted">
  <command id="653643" state="setup" name="ImportAccountTransactionsCommand" target="Alior">
    <progress><value>0</value></progress>
  </command>
</reply>

Final result of polling for this command status

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/import_account_transactions.xsd" status="200 OK">
<command id="653643" state="successful" name="ImportAccountTransactionsCommand" target="Alior">
    <progress><value>97</value></progress>
    <result>
      <moneyTransactions>
        <moneyTransaction>
          <transactionOn>2012-06-28</transactionOn>
          <bookedOn>2012-06-30</bookedOn>
          <currencyAmount>20.00</currencyAmount>
          <currencyBalance>230.00</currencyBalance>
          <title>Return for beer in a pub</title>
          <party>Jan Kowalski</party>
          <partyIban>PL68249000050000400075212326</partyIban>
          <kind>EXTERNAL INCOMING TRANSFER</kind>
          <labels>
            <label><!-- label type --></label>
            <!-- ... more labels ... -->
          </labels>
        </moneyTransaction>
        <!-- ... more transactions ... -->
      </moneyTransactions>
    </result>
  </command>
</reply>

<!-- Partial responses will include this attribute! -->
<moneyTransactions partialDueToTimeout="true">
  <!-- ... transactions ... -->
</moneyTransactions>

Initiates import of transactions for the selected bank account and period.

The command is asynchronous and returns command id. Use this call to poll for command status and to fetch results once the command is done.

HTTP Request

POST /v1/command/import-account-transactions.xml

Parameters

Parameter	Default	Description
apiKey	obligatory	API key.
sessionId	obligatory	Session identifier.
sessionIdSignature	obligatory	Security parameter to prevent session enumeration.
iban	obligatory	Full account number of the account for which the list of transactions should be fetched. Preferably, use the iban value returned by the import-accounts command.
since	obligatory	Start date in YYYY-MM-DD format. Only transactions that occurred on or after the `since` date will be imported.

Data returned

Once the command status turns to successful the <result> element will be present containing a list of transactions.

See on the right pane how the data structure looks like.

Data	Availability	Description
transactionOn	guaranteed	actual transaction date
bookedOn	guaranteed	transaction’s booking date (sometimes even 10 days after the transactionOn). In exceptional circumstances, transaction date or value date will be assigned to this attribute
currencyAmount	guaranteed	transaction amount expressed in account’s currency (it can be different than the currency of the country in which the bank is located). The currencyAmount is negative for debit transactions (outgoing amount) and positive for credit transactions (incoming amount).
currencyBalance	possibly none	account balance expressed in account’s currency
partyIban	guaranteed for transactions with a non-empty party attribute	full account number of the other party of the transaction. The field is always available for transfers between accounts. For some transactions (i.e. payments by debit/credit card, bank fees and commissions) the account number is unavailable.
party	possibly none	the name of the other party of the transaction is always available. For some transactions (i.e. contra-entry type transactions) the name of the other party is unavailable.
title	possibly none	transaction title
kind	possibly none	transaction type, as presented in the online transaction system (e.g. “INTEREST COMPOUNDING”)
labels	possibly none	list of transaction’s labels. See Transaction labeling for more information

Extra data

The <moneyTransaction> element may be extended in some cases with additional tags. The extra tags may contain PSD2-related information, country-specific parameters or any other details which are not a part of the standard response.

Please see the XML example on the right pane.

Extra data for imports from Czech banks

Data	Availability	Description
variableSymbol	possibly none	identifier used for payments in Czech Republic (variabilní symbol)
constantSymbol	possibly none	identifier used for payments in Czech Republic (konstantní symbol)

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/import_account_transactions.xsd" status="200 OK">
<command id="653643" state="successful" name="ImportAccountTransactionsCommand" target="Alior">
    <progress><value>97</value></progress>
    <result>
      <moneyTransactions>
        <moneyTransaction>
          <!-- ... standard tags ... -->
          <transactionOn>2012-06-28</transactionOn>
          <!-- ... other standard tags ... -->
          <!-- ... extra data - variableSymbol and constantSymbol:
          only for Czech bank accounts -->
          <variableSymbol>1234567890</variableSymbol>
          <constantSymbol>99999</constantSymbol>
        </moneyTransaction>
        <!-- ... more transactions ... -->
      </moneyTransactions>
    </result>
  </command>
</reply>

Import Credit Cards (command)

POST /v1/command/import-credit-cards.xml

Initiates import of credit cards’ details. The command is synchronous and returns the command id. Use this call to poll for command status and to fetch results once the command is done.

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/command.xsd" status="202 Accepted">
  <command id="653643" state="setup" name="ImportCreditCardsCommand"/>
</reply>

Parameter	Default	Description
apiKey	obligatory	API key.
sessionId	obligatory	Session identifier.
sessionIdSignature	obligatory	Security parameter to prevent session enumeration.

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/import_credit_card.xsd" status="200 OK">
<command id="89817419" state="successful" name="ImportCreditCardsCommand">
  <progress><value>2</value></progress>
    <result>
      <creditCards>
        <creditCard>
          <name>Visa</name>
          <number>1234 1234 1234 1234</number>
          <currencyBalance>-2467.39</currencyBalance>
          <currencyName>PLN</currencyName>
          <owner>Jan Kowalski, Adam Nowak</owner>
          <limit>5000.00</limit>
          <interest>20</interest>
          <dueDate>2013-10-26</dueDate>
        </creditCard>
       <!-- ... more credit cards ... -->
       </creditCards>
    </result>
  </command>
</reply>

Data	Availability	Description
name	guaranteed	card name, as stated in the bank’s system
number	guaranteed	card number, as presented in the bank’s system. Vast majority of the banks present credit card number with most significant digits replaced with asterisks, just a few banks present unmasked credit card number. Use this number when importing money transactions associated with the given credit card.
currencyBalance	guaranteed	current credit card balance in card’s currency (it can be different than the currency of the country which the bank is located in)
currencyFundsAvailable	possibly none	the amount of available credit in card’s currency (it can be different than the currency of the country which the bank is located in)
currencyName	guaranteed	currency symbol, e.g. “PLN”
owner	possibly none	name of the credit card holder, as presented in the online transaction system
limit	possibly none	credit limit as a positive number
interest	possibly none	card’s interest rate, expressed in percentage
dueDate	possibly none	the day the payment is due; date format: YYYY-MM-DD

Import Credit Card Transactions (command)

POST /v1/command/import-credit-card-transactions.xml

Initiates import of money transactions associated with a given credit card. The command is synchronous and returns the command id. Use this call to poll for command status and to fetch results once the command is done.

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/command.xsd" status="202 Accepted">
  <command id="653643" state="setup" name="ImportCreditCardTransactionsCommand"/>
</reply>

Parameter	Default	Description
apiKey	obligatory	API key.
sessionId	obligatory	Session identifier.
sessionIdSignature	obligatory	Security parameter to prevent session enumeration.
since	obligatory	start date in YYYY-MM-DD format, only transactions that occurred on or after the since date will be imported
cardNumber	obligatory	identifies the credit card for which the transactions should be fetched. Preferably, use the number value returned by the import-credit-cards command. If the full number is unavailable, you can pass asterisks in place of the missing digits. Please see the pattern-matching description for details.

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/import_credit_card_transactions.xsd" status="200 OK">
  <command id="89817986" state="successful" name="ImportCreditCardTransactionsCommand">
    <progress><value>3</value></progress>
    <result>
      <moneyTransactions>
        <moneyTransaction>
          <transactionOn>2017-08-10</transactionOn>
          <bookedOn>2017-08-11</bookedOn>
          <currencyAmount>-20.00</currencyAmount>
          <currencyBalance>1100.99</currencyBalance>
          <title>Zwrot za Sylwestra</title>
          <party>Jan Kowalski Dunikowskiego 23B, 01-200 Warszawa</party>
          <partyIban>PL83130000002076700146310001</partyIban>
          <kind>PRZELEW ZEWNĘTRZNY</kind>
          <uid>2017-08-11__-20.00</uid>
          <labels>
            <label>internal</label>
          </labels>
        </moneyTransaction>
        <!-- ... more transactions ... -->
      </moneyTransactions>
    </result>
  </command>
</reply>

Data	Availability	Description
transactionOn	guaranteed	transaction date; in some cases the attribute will be assigned with another date, e.g. currency date
bookedOn	guaranteed	transaction’s booking date (sometimes even 10 days after the transactionOn); in some cases this field will be assigned with currency date or transaction date if booking date is missing
currencyAmount	guaranteed	transaction amount in an card’s currency (it can be different than the currency of the country which the bank is located in)
title	possibly none	transaction title
party	possibly none	the name of the other party of the transaction
partyIban	possibly none	full account number of other party of the transaction
kind	possibly none	type of transaction, just as it is presented in the online transaction system (e.g. “INTEREST COMPOUNDING”)

Pattern matching for credit card numbers

Credit card format examples:

1234 0987 5678 0055           # matches entire number
1234098756780055              # matches entire number without spaces
1234 **** **** 0055           # matches a number where some digits are replaced by asterisks
**** **** **** ***5           # matches a number where most digits are replaced by asterisks
****************              # matches any card

The command to import credit card transactions supports pattern matching the card number:

white space characters are omitted
every digit can be replaced with an asterisk, which causes globing (wildcard)
if many cards fit the pattern, transactions associated with the first matched card will be returned

Sign Out (command)

Request

curl -X POST \
  --data "apiKey=YOUR_LONG_API_KEY_HERE" \
  --data "sessionId=999999" \
  --data "sessionIdSignature=ffff....ffff" \
  https://test.api.kontomatik.com/v1/command/sign-out.xml

Response

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/layout.xsd" status="200 OK">
</reply>

Synchronous command that logs out of the bank’s transaction system. Given that the bank supports the sign out command, it is advised to log out of the bank’s transaction system once you have imported all data to prevent blocking of the system for the end user.

HTTP Request

POST /v1/command/sign-out.xml

Parameters

Parameter	Default	Description
apiKey	obligatory	API key.
sessionId	obligatory	Session identifier.
sessionIdSignature	obligatory	Security parameter to prevent session enumeration.

HTTP Response

An empty xml is returned - please see in the right pane what the response looks like.

Cancel command

Request

curl -X POST \
  --data "apiKey=YOUR_LONG_API_KEY_HERE" \
  https://test.api.kontomatik.com/v1/command/YOUR_COMMAND_ID_HERE/cancel.xml

Response

<reply status="202 Accepted">
</reply>

Cancels command execution. The command is asynchronous. If the command is in the in_progress state, it will be cancelled before making another request (still, the current request has to end). A cancelled command cannot be resumed.

Cancelling is useful if it is necessary to provide the user with the ability to stop an action. When a command is cancelled the working thread is released back into the pool, optimizing resource usage.

After cancelling a command it is recommended to create a new session, if the import from a given target is to be continued. Cancelling a command can leave the http agent’s library in an inconsistent state, causing errors while executing other commands within the same session.

HTTP Request

POST /v1/command/COMMAND_ID/cancel.xml

Parameters

Parameter	Default	Description
apiKey	obligatory	API key.

Data

Request

curl --get \
  --data "apiKey=YOUR_LONG_API_KEY_HERE" \
  --data "ownerExternalId=END_USERS_OWNER_EXTERNAL_ID" \
  https://test.api.kontomatik.com/v1/data.xml

Response

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/get_data.xsd" status="200 OK">  <owner externalId="653643">
    <target name="MBank">
      <owners>
        <owner>
          <name>Jan Kowalski</name>
          <address>Kwiatowa 8/97 Warszawa  PL</address>
          <polishPesel>84011806651</polishPesel>
          <phone>+48612***078</phone>
          <email>[email protected]</email>
          <citizenship>PL</citizenship>
          <personalDocumentType>Identity document</personalDocumentType>
          <personalDocumentNumber>AAB123456</personalDocumentNumber>
          <birthDate>1984-01-18</birthDate>
          <birthPlace>Warsaw</birthPlace>
          <kind>OWNER</kind>
        </owner>
        <!-- ... more owners ... -->
      </owners>
      <accounts>
        <account>
          <name>eKONTO</name>
          <iban>PL32114020040000320250132522</iban>
          <currencyBalance>1467.39</currencyBalance>
          <currencyFundsAvailable>1407.39</currencyFundsAvailable>
          <currencyName>PLN</currencyName>
          <owner>Jan Kowalski, Adam Nowak</owner>
          <activeSinceAtLeast>2000-02-28</activeSinceAtLeast>
          <moneyTransactions>
            <moneyTransaction>
              <transactionOn>2012-06-28</transactionOn>
              <bookedOn>2012-06-30</bookedOn>
              <currencyAmount>20.00</currencyAmount>
              <currencyBalance>443.00</currencyBalance>
              <title>Return for beer in a pub</title>
              <party>Jan Kowalski</party>
              <partyIban>PL68249000050000400075212326</partyIban>
              <kind>EXTERNAL INCOMING TRANSFER</kind>
              <uid>2012-06-30__20.00</uid>
                <labels>
                  <label><!-- label type --></label>
                  <!-- ... more labels ... -->
                </labels>
            </moneyTransaction>
            <!-- ... more transactions ... -->
          </moneyTransactions>
        </account>
        <!-- ... more accounts ... -->
      </accounts>
    </target>
  </owner>
</reply>

<!-- Partial responses will include this attribute! -->
<account partialDueToTimeout="true">
<!-- account details -->
</account>

Returns all imported and aggregated data associated with the end user identified by an ownerExternalId parameter passed when embedding the Kontomatik Sign-in widget.

Response can take up to several seconds and potentially it may return lots of data (thousands of transactions) depending on the end user’s activity.

HTTP Request

GET /v1/data.xml

Parameters

Parameter	Default	Description
apiKey	obligatory	API key.
ownerExternalId	obligatory	Your identifier for the end user, that you passed as one of the parameters to Kontomatik Sign-in Widget.
only	optional	Filters the results returned by the data type. You can pass one of the following values: owners, accounts, transactions.

Data returned

Each <target> tag contains all data imported for the end user from a given bank. A sample response is provided on the right pane. If you closely examined the structure of the xml then you probably had noticed that the <target> encapsulates the data structures returned by import accounts and owner details commands. Furthermore, the <account> tag contains a list of transactions associated with the given account.

For a detailed description of data structures encapsulated by the <owners>, <accounts> and <moneyTransactions> tags, please consult the descriptions of the related commands.

Delete data

HTTP Request

DELETE /v1/owner.xml

curl -X DELETE --data-urlencode "apiKey=YOUR_API_KEY_VALUE"\
              --data-urlencode "ownerExternalId=222222"\
               https://test.api.kontomatik.com/v1/owner.xml

<reply status="200 OK">
</reply>

Deletes all imported and aggregated data associated with the end user identified by an ownerExternalId parameter passed when embedding the Kontomatik Sign-in widget.

Parameter	Default	Description
apiKey	obligatory	API key.
ownerExternalId	obligatory	Your identifier for the end user, that you passed as one of the parameters to Kontomatik Sign-in Widget.

Health Check

Request

curl --get \
  https://test.api.kontomatik.com/isItWorking

Response

I am working.

Used to ensure that Kontomatik server is up.

This is the only request that does not require the API key.

HTTP Request

GET /isItWorking

Data returned

The request should response with a plain text “I am working.”.

Lending API

Kontomatik offers powerful tools for financial behavior analysis.

Lending API makes it easy to take full advantage of the raw banking data.

The API works on the data you imported earlier. Be sure to import the data first.

Both screen-scraped data and PDF-extracted data are compatible with the lending API.

Scores

Request

curl --get \
  --data "apiKey=YOUR_LONG_API_KEY_HERE" \
  --data "ownerExternalId=END_USERS_OWNER_EXTERNAL_ID" \
  https://test.api.kontomatik.com/v1/owner-scores.xml

Response

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/get_owner_scores.xsd"
  status="200 OK"
  client="fastmoney"
  ownerExternalId="4324-13-14">

  <models>

    <!-- Common model -->
    <model id="common-2018-08-18" retrainedAt="2018-08-20T16:16:45Z">
      <scores>
        <score>
          <!-- 0..1 value representing estimated probability of default (the lower the better) -->
          <value>0.03282</value>
        </score>
        <scorePercentile>
          <!-- 0..1 value representing population percentile (the higher the better) -->
          <value>0.49824</value>
        </scorePercentile>
      </scores>
    </model>

    <!-- Model specific to lender "Fast Money" (just to give an example) -->
    <model id="fastmoney-2018-08-01" retrainedAt="2018-08-14T07:16:45Z">
      <scores>
        <score>
          <!-- 0..1 value representing estimated probability of default (the lower the better) -->
          <value>0.03517</value>
        </score>
        <scorePercentile>
          <!-- 0..1 value representing population percentile (the higher the better) -->
          <value>0.51069</value>
        </scorePercentile>
        <scoreTier>
          <!-- rank of the client -->
          <value>TOP TIER CLIENT</value>
        </scoreTier>
      </scores>
    </model>

  </models>
</reply>

Kontomatik offers a number of high-level scores assessing financial behavior of the loan applicant. Those scores proved to be highly predictive in our cross validation benchmarks.

The primary score (<score>) is a numerical value estimating on a 0..1 scale the creditworthiness of an individual - the higher the better. The score is inversely correlated with the probability of default.

The percentile score (<scorePercentile>) estimates the percentile of population the lendee is better than - the higher the better.

The (lender-specific) tier score (<scoreTier>) estimates the client’s rank according to a particular ranking system agreed upon with the lender, e.g. 'ABCDEF’, '1234’, 'Bronze Silver Gold’ etc.

Kontomatik offers:

common scores - available immediately, trained on generic dataset, not specific to any lender, recommended as a starting point
lender-specific scores - developed in cooperation with the lender, based on lender-specific historical repayment data

Our example lender-specific score achieved Gini 0.56 (AUC 0.78) in our most conservative cross-validation benchmarks.

Usage

Scores are calculated based on bank accounts and transactions already imported within the scope of specific ownerExternalId.

For that reason it is essential to wait for import commands to finish before requesting the score, otherwise the algorithm will work on partial data and produce unreliable results.

HTTP Request

GET /v1/owner-scores.xml

Parameters

Parameter	Default	Description
apiKey	obligatory	API key.
ownerExternalId	obligatory	Your identifier for the end user, that you passed as one of the parameters to Kontomatik Sign-in widget.

Data returned

Critical:

Pick specific <model> by id. The response will likely contain multiple models - typically the common one and the lender-tailored one. You are free to use any of them but it is critical to do it consciously and to not mix the results. Do not rely on models order. The order is randomized to avoid coupling.
Within selected model pick specific a specific score by XML element name. Do not rely on scores order.

Input Features

Request

  curl --get \
    --data "apiKey=YOUR_LONG_API_KEY_HERE" \
    --data "ownerExternalId=END_USERS_OWNER_EXTERNAL_ID" \
    https://test.api.kontomatik.com/v1/owner-features.xml

Response

  <?xml version="1.0" encoding="utf-8"?>
  <reply
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/get_features.xsd"
  status="200 OK"
  client="fastmoney"
  ownerExternalId="4324-13-14">

  <models>

    <!-- Common model -->
    <model id="common-2018-08-18" retrainedAt="2018-08-20T16:16:45Z">
      <features>
        <feature id="d4f51702ea" value="-0.43" relevance="0.8" />
        <feature id="59ab5c6f97" value="2.00355" relevance="0.3" />
        <feature id="03d10dbf0a" value="1.932" relevance="1.5" />
        <feature id="ec4207aaf2" value="NaN" relevance="0" />
        <feature id="b31711374c" value="-INF" relevance="-2" />
        <feature id="ddb0ebf93a" value="INF" relevance="5.3" />
        <!-- ...hundreds of features... -->
      </features>
    </model>

    <!-- Model specific to lender "Fast Money" (just to give an example) -->
    <model id="fastmoney-2018-08-01" retrainedAt="2018-08-14T07:16:45Z">
      <features>
        <feature id="d4f51702ea" value="-0.43" relevance="0.8" />
        <feature id="59ab5c6f97" value="2.00355" relevance="0.3" />
        <feature id="03d10dbf0a" value="1.932" relevance="1.5" />
        <feature id="ec4207aaf2" value="NaN" relevance="0" />
        <feature id="b31711374c" value="-INF" relevance="-2" />
        <feature id="ddb0ebf93a" value="INF" relevance="5.3" />
        <!-- ...hundreds of features... -->
      </features>
    </model>

  </models>
</reply>

Kontomatik offers powerful input features for your existing scoring models.

In machine learning a feature is an individual measurable property or characteristic of a phenomenon being observed.

In context of lending features reflect financial behavior of the loan applicant.

Features offered by Kontomatik proved to be highly predictive in our cross validation benchmarks.

Predictive power can be further improved by re-training the model on the lender-specific historical repayment data.

HTTP Request

GET /v1/owner-features.xml

Parameters

Parameter	Default	Description
apiKey	obligatory	API key.
ownerExternalId	obligatory	Your identifier for the end user, that you passed as one of the parameters to Kontomatik Sign-in widget.

Data returned

It is critical to pick specific <model> by id.

Model id stabilizes feature semantics. The same set of features will be present and feature semantics won’t change. With the new model (new id) everything is reset. Lending company must then re-check which features are predictive. New version of the model will offer a new set of features to pick from. Features present in the old version are not guaranteed to be present in the new version. Typically, new model replaces many features with more powerful alternatives.

Model retrainedAt attribute describes the training dataset. The same model can be re-trained on the new dataset (the larger and more current one). Feature set and semantics stay the same. Lending company does not need to take any action when the model is retrained. The timestamp format is ISO 8601.

Every <feature /> contains the following structure:

Data	Availability	Description
id	guaranteed	Unique identifier of the feature. It is guaranteed to be stable across model retrains (but not across model versions).
value	guaranteed	Decimal value of the feature in range <-∞, +∞> inclusive. Possible values are a number, `-INF`, `INF`, `NaN` (see xs:double). The value is standard deviation from the population. Using standard deviation instead of base units allows for the same treatment of all kinds of units like amounts, counters, or ratios. Standard deviations themselves are also normalized (scaled to the same distribution) across all features so they can be treated consistently.
relevance	guaranteed	Decimal number representing how much the feature influenced the final score of the client; a positive value means that the feature worked in favor of the client repaying, while a negative value means the feature worked in favor of the client defaulting. Only numeric values are possible - NaN or INF are not allowed. Relevance “0” means the feature did not influence the outcome at all.

How to use features in existing scoring model?

Kontomatik publishes hundreds of features that can be potentially predictive in your context (your customers and your scoring model).

You are not expected to understand semantics of individual features published by Kontomatik. Please do not attempt to apply domain expert knowledge to manually assess and combine Kontomatik features into your scoring model.

The correct approach is to test all features on your real world loans using your existing scoring model.

Once predictive and independent features have been identified, apply them to your scoring model along your own input features.

Our data scientists can guide you through the process.

Transaction Labeling

<moneyTransactions>
  <moneyTransaction>
    <!-- ...transaction details... -->
    <labels>
      <label>monthly</label>
      <label>repayment</label>
    </labels>
  </moneyTransaction>
  <moneyTransaction>
    <!-- ...transaction details... -->
    <labels>
      <label>health</label>
    </labels>
  </moneyTransaction>
  <moneyTransaction>
    <!-- ...transaction details... -->
    <labels>
      <label>gambling</label>
    </labels>
  </moneyTransaction>
  <moneyTransaction>
    <!-- ...transaction details... -->
    <labels>
      <label>loan</label>
    </labels>
  </moneyTransaction>
  <!-- ... more transactions ... -->
</moneyTransactions>

Labels provide additional data about transactions and help put together a comprehensive view of the customer’s financial status.

Using the meta data contained in labels, it is possible to gauge trends and metrics across various dimensions such as revenue, loans, lifestyle, healthcare spending, recurrent money obligations and others. Identifying complex risk conditions such as gambling or internal transfers between the user’s accounts becomes a matter of simply reading a red flag label.

We developed the feature by consulting with lenders and with a focus on risk assessment. Thus transaction labels are significantly different from categories, which classify transactions from the end user’s perspective.

HTTP Request

If the feature is activated for your account the transactions will simply be labeled. There is no labeling API call.

Labels will be present in the result of any command that returns transactions such as default-import or import-transactions. For optimal results it is best to fetch all of the owner’s data. This way, the full context of the user’s transactions and accounts will be available to the labeling engine.

Data returned

The following table describes the currently supported labels. Please note that we have not deemed it necessary to mark transactions as income or spending. This basic distinction can be made based on the negative or positive value of <currencyAmount> field.

Technical

label	direction	description
internal	both	transactions between person’s own accounts (self-to-self) or within the immediate family (same surname)
monthly	both	transactions that occur monthly around the same date
overdraft	expense	user has withdrawn more money than the account holds
verification	both	transactions which serve to prove user’s identity or account ownership, typically with a very small nominal amount like 1 EUR or 0.01 EUR
online	expense	internet payment of any kind: online shopping, online service subscription, including online payment for usual goods (online grocery stores, online utility payments); the label identifies a method of payment over the internet typically involving online card payment or a payment processor like PayPal, PayU, DotPay, Allegro, DialCom24; does not cover: transfers executed manually by the user via his online banking interface

Compensation

label	direction	description
salary	income	transfer from a company to an individual on the basis of an employment contract
compensation	income	widely understood compensation, including all cases where individual receives money from a company, such as on the basis of a B2B contract; compensation is wider than salary
pension	both	payments of retirement money received from the state

Debt

label	direction	description
loan	income	transactions indicating a loan from a lending company or a bank; the label covers payday loans, consumer loans etc; does not cover: mortgage or leasing-related transactions
mortgage	both	transactions indicating a mortgage repayment
leasing	both	transactions indicating a leasing repayment; often involves a car leasing
repayment	expense	repayment of a loan, installment, credit card, mortgage, or any other kind of debt
invoice	both	all incoming (mostly for companies) invoices, but also outgoing payments (often for phone and internet and tv)
bailiff	expense	transactions that are executed by bailiffs or enforcement agents following a court decision and without any action from the account owner
debt collection	both	voluntarily repayment of debt to specialized debt collection companies

State

label	direction	description
welfare	income	any kind of social security - money received from the state, private charities and NGOs; income from alimony
500+	income	specific welfare benefit granted in Poland for every next child under 18
tax	both	income tax (PIT), property tax, capital gain tax, interest tax (in Poland: “Belka”), excise, duty, value added tax (VAT), state social insurance (in Poland: ZUS), inheritance tax, and any other form of taxation. Transactions with this label are usually expense transactions, but they could also represent income.

Cash

label	direction	description
cash withdrawal	expense	physical cash withdrawal from a bank machine (ATM) or bank branch
cash deposit	income	physical cash deposit via bank machine (ATM) or bank branch

Lifestyle

label	direction	description
nightlife	expense	pubs and cocktail bars, night clubs, gentlemen clubs
uberlike and taxi	both	taxis, taxi-like services (ex. Uber, Taxify, Lyft), carpooling services (ex. BlaBlaCar) and car rentals
tobacco	expense	indicates products boght in specialized tobacco shops (only for Spain)
gambling	both	online gambling and betting, lottery tickets, city casinos, and other forms of gambling; it can also mark income transactions, ex. gambling gains
alcohol	expense	spirits and liquor stores, online alcohol shops
beauty	expense	cosmetics, pharmacy, perfume shops, barber and hair dresser, manicure and pedicure salons, basic hygiene expenses; does not cover: apparel
leisure	expense	gym, cinema, theater, hotels, plane tickets, book stores, games, online entertainment; does not cover: gambling
insurance	expense	mandatory or optional insurance of any type

Living

label	direction	description
rent	expense	rent for the flat or house; does not cover: receiving rent
utilities	expense	basic utilities like electricity, gas, water, heating, garbage collection; does not cover: TV, phone, internet, rent
phone	expense	mobile, landline
internet and tv	expense	internet and TV bills
fee	expense	bank and other financial fees; most often relatively small amount; does not cover: fines and tickets
grocery	expense	grocery stores, discount stores, supermarkets
eating out	expense	bars, restaurants, cafes, bistros, fast food restaurants; does not cover: pubs, cocktail bars, night clubs
children	both	children-related expense and income; toys, accessories and clothes for babies, toddlers and young teenagers, children stores, kindergarten and pre-school payments, primary school books and expenses; does not cover: higher education, university fees, specialised trainings and courses e.g. photography school
alimony	both	incoming and outgoing alimony transactions (children-related)
healthcare	expense	medication, doctor and dentist visits, medical diagnosis, hospital bills, treatment bills, rehabilitation bills; does not cover: beauty procedures, SPA, and similar
car	expense	fuel, parking, insurance, repairs, car accessories, road taxes, tickets and other car related expenses
public transport	expense	public transport tickets and fees
apparel	expense	clothes, shoes, handbags, etc
refurbishment	expense	construction, furniture, interior design and household appliances
return	both	money returned because of overpayment (ex. tax returns) or consumer goods returned at the store; also includes insurance compensation

Aggregated Values

Request

curl --get \
  --data "apiKey=YOUR_LONG_API_KEY_HERE" \
  --data "ownerExternalId=END_USERS_OWNER_EXTERNAL_ID" \
  --data "periodMonths=6" \
  https://test.api.kontomatik.com/v1/aggregates.xml

Response

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/aggregates.xsd" status="200 OK">
<owner externalId="123456">
    <target name="MBank">
      <accounts>
        <account>
          <iban>PL49114020040000350243107620</iban>
          <activeSinceAtLeast>2014-03-03</activeSinceAtLeast>
          <currencyName>PLN</currencyName>
          <owner>Jan Kowalski</owner>
          <!-- Additional aggregates when labeling is turned on -->
          <salaryAmountAverage>2300.00</salaryAmountAverage>
          <compensationAmountAverage>2300.00</compensationAmountAverage>
          <welfareAmountAverage>500.00</welfareAmountAverage>
          <loanAmountAverage>800.00</loanAmountAverage>
          <mortgageAmountAverage>0.00</mortgageAmountAverage>
          <leasingAmountAverage>0.00</leasingAmountAverage>
          <repaymentAmountAverage>650.00</repaymentAmountAverage>
          <loanCompaniesCount>3</loanCompaniesCount>
          <months>
            <month date="2014-03">
              <daysInMonth>31</daysInMonth>
              <withdrawalsCount>2</withdrawalsCount>
              <withdrawalsTotal>32.50</withdrawalsTotal>
              <depositsCount>2</depositsCount>
              <depositsTotal>32.50</depositsTotal>
              <balance>64.50</balance>
              <balanceAverage>24.50</balanceAverage>
              <positiveBalanceAverage>24.50</positiveBalanceAverage>
              <negativeBalanceAverage>-24.50</negativeBalanceAverage>
              <maxBalance>90.50</maxBalance>
              <minBalance>-90.50</minBalance>
              <!-- Aggregates specific to Poland -->
              <polishZusTransactionsCount>1</polishZusTransactionsCount>
              <polishZusTransactionsTotal>10000.00</polishZusTransactionsTotal>
              <polishUsTransactionsCount>1</polishUsTransactionsCount>
              <polishUsTransactionsTotal>10000.00</polishUsTransactionsTotal>
              <!-- Additional aggregates when labeling is turned on -->
              <salaryAmountTotal>2300.00</salaryAmountTotal>
              <compensationAmountTotal>2300.00</compensationAmountTotal>
              <welfareAmountTotal>500.00</welfareAmountTotal>
              <loanAmountTotal>600.00</loanAmountTotal>
              <mortgageAmountTotal>0.00</mortgageAmountTotal>
              <leasingAmountTotal>0.00</leasingAmountTotal>
              <repaymentAmountTotal>1200.00</repaymentAmountTotal>
              <loanCompaniesCount>2</loanCompaniesCount>
            </month>
            <!-- ...more months... -->
          </months>
        </account>
      </accounts>
    </target>
  </owner>
</reply>

Calculates and returns aggregates for end-user identified by ownerExternalId parameter passed when embedding the Kontomatik Sign-in widget.

Imported data is grouped by accounts and a monthly summary statistics is calculated (i.e. number of withdrawals, balance average) for each of the accounts.

The length of the period for which the aggregates are calculated is determined by the value of periodsMonth parameter.

This command does not import any data by itself, it just uses data imported by other commands for a given end-user (i.e. import accounts, import-transactions commands).

HTTP Request

GET /v1/aggregates.xml

Parameters

Parameter	Default	Description
apiKey	obligatory	API key.
ownerExternalId	obligatory	Your identifier for the end-user, that you passed as one of the parameters to Kontomatik Sign-in widget.
periodMonths	obligatory	Period in months that the aggregates will be calculated for, including current month.

Data returned

See on the right pane what the data structure looks like.

Each <target> element contains a collection of accounts opened in a given bank (name attribute holds an Kontomatik’s internal code for the bank). The aggregates are grouped by an account and a month. The <account> tag contains some basic information about the account (for description of the data please consult the summary of import accounts command). Each <month> tag encapsulates the following elements:

Data	Availability	Description
daysInMonth	guaranteed	number of days in a given month
withdrawalsCount	guaranteed	total number of withdrawals from the account
withdrawalsTotal	guaranteed	value of all withdrawals from the account
depositsCount	guaranteed	total number of deposits in an account
depositsTotal	guaranteed	value of all deposits in an account
balance	available except for exceptional cases	account balance at the end of month
balanceAverage	available except for exceptional cases	average monthly account balance
positiveBalanceAverage	possibly none	average account balance for days with balance over 0 monetary units
negativeBalanceAverage	possibly none	average account balance for days with balance below 0 monetary units
maxBalance	available except for exceptional cases	maximum daily closing balance in a given month
minBalance	available except for exceptional cases	minimum daily closing balance in a given month
polishZusTransactionsCount	possibly none	total number of transactions from/to Polish Social Insurance Institution (ZUS)
polishZusTransactionsTotal	possibly none	net value of all transactions from/to Polish Social Insurance Institution (ZUS)
polishUsTransactionsCount	possibly none	total number of transactions from/to Polish Internal Revenue Service
polishUsTransactionsTotal	possibly none	net value of all transactions from/to Polish Internal Revenue Service

Labeling Aggregates

When Transaction Labeling feature is turn on, additional aggregates will be provided.

Concerning <account>:

Data	Availability	Description
salaryAmountAverage	when labeling on	average amount of transactions labeled as salary
compensationAmountAverage	when labeling on	average amount of transactions labeled as compensation
welfareAmountAverage	when labeling on	average amount of transactions labeled as welfare
loanAmountAverage	when labeling on	average amount of transactions labeled as loan
mortgageAmountAverage	when labeling on	average amount of transactions labeled as mortgage
leasingAmountAverage	when labeling on	average amount of transactions labeled as leasing
repaymentAmountAverage	when labeling on	average amount of transactions labeled as repayment
loanCompaniesCount	when labeling on	a total count of every loan company recognized on this account

Concerning <month>:

Data	Availability	Description
salaryAmountTotal	when labeling on	total amount of transactions labeled as salary in a given month
compensationAmountTotal	when labeling on	total amount of transactions labeled as compensation in a given month
welfareAmountTotal	when labeling on	total amount of transactions labeled as welfare in a given month
mortgageAmountTotal	when labeling on	total amount of transactions labeled as mortgage in a given month
loanAmountTotal	when labeling on	total amount of transactions labeled as loan in a given month
leasingAmountTotal	when labeling on	total amount of transactions labeled as leasing in a given month
repaymentAmountTotal	when labeling on	total amount of transactions labeled as repayment in a given month
loanCompaniesCount	when labeling on	a total count of every loan company recognized in a given month

Legacy API

Financial Health Indicator

Request

curl --get \
  --data "apiKey=YOUR_LONG_API_KEY_HERE" \
  --data "ownerExternalId=END_USERS_OWNER_EXTERNAL_ID" \
  https://test.api.kontomatik.com/v1/indicator.xml

Response

<?xml version="1.0" encoding="utf-8"?>
<reply xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="http://developer.kontomatik.com/schema/v1/owner_rating.xsd" status="200 OK">
  <indicator>
    <value>87</value>
    <distribution>
      <period>
        <days>7</days>
        <startAt>YYYY-MM-DD HH:MM:SS</startAt>
        <endAt>YYYY-MM-DD HH:MM:SS</endAt>
      </period>
      <average>49.07</average>
      <median>51.00</median>
    </distribution>
  </indicator>
</reply>

Financial Health Indicator (FHI) is a single 0-100 number aiming to roughly assess end-user bank accounts’ trustworthiness (the more, the better).

FHI is solely based on end-user’s banking data. Presently it does not take into account any other factors.

Among other things, we take into account average monthly income, total balance, bank accounts reliability (how old and rich in data the accounts are), the sum of loans granted by other lenders, etc.

Details of the algorithm are proprietary and evolving.

This command does not import any data by itself, it just uses data imported by other commands for a given end-user (i.e. import accounts, import transactions commands).

It’s essential to wait for the import commands to finish before requesting GET /v1/indicator.xml, otherwise the algorithm will work on partial data and produce unreliable results.

This request also returns a distribution of FHI values based on all previous data stored in our service. This may work as a base for your threshold and will change as we adjust our FHI algorithms.

HTTP Request

GET /v1/indicator.xml

Parameters

Parameter	Default	Description
apiKey	obligatory	API key.
ownerExternalId	obligatory	Your identifier for the end user, that you passed as one of the parameters to Kontomatik Sign-in widget.

Data returned

FHI value is store in “value” tag of “indicator” tag. Indicator distribution data is being wrapped in “distribution” tag.

Data	Availability	Description
value	guaranteed	FHI value.
distribution	guaranteed	Container for distribution data.

Distribution data:

Data	Availability	Description
period	guaranteed	Container for “day”, “startAt” and “endAt” fields.
days	guaranteed	Describes how many days are being taken into account for counting distribution. It’s usually 7.
startAt	guaranteed	Start date of distribution counting period. It’s in YYYY-MM-DD HH:MM:SS format.
endAt	guaranteed	End date of distribution counting period. It’s in YYYY-MM-DD HH:MM:SS format.
average	guaranteed	Average value of all FHI values.
median	guaranteed	Median of all FHI values.

How to

This section addresses the topic of how to achieve specific high-level goals with Kontomatik. We will highlight import scenarios which are less obvious but potentially very useful.

Programmers who want to learn the about full potential of the API, improve the UX or fine-tune a Kontomatik integration are strongly advised to read further.

Import multiple banks

Kontomatik lends itself perfectly to fetching data from multiple online banking accounts. Let’s assume your end user has many accounts and you would like to import them all.

The flow goes like this:

Generate a unique id for the end user and render it as the value of the ownerExternalId Widget parameter. The ownerExternalId parameter instructs Kontomatik to persist the user’s data under the provided identifier. If different sessions are created with the same owner id, then the associated import results can be fetched as a single response.
Prompt the end user to sign into a bank, then into the next one and so forth. After each successful login you will receive a sessionId in response.
Call default-import for every sessionId you get. Note that you can initiate a maximum of 8 imports at the same time.
At regular intervals poll the default-import command status using the commandIds.
When all command statuses have turned to successful call Data command passing ownerExternalId parameter that you generated at the beginning.
You’re done!

Fetch auto-imported data visible in Insight

Kontomatik offers a zero-integration solution for manual risk-assessment.

To use Insight, developers just need to enable auto-import flag in the Widget and pass an externalOwnerId parameter to identify the end user. When the user signs into a bank, Kontomatik executes a default-import command automatically and pushes the report to the Insight dashboard application. The report will be visible to any authorised staff in the client organisation.

While this flow provides excellent input for human review, you may also want to download and process data automatically. In such case:

Implement the onSuccess() method in order to be alerted when a user has signed in successfully. Do not call any API command yet!
Allow some time for the automatic default-import to complete, 10 minutes should be enough even for exceptionally large imports.
Call Data command, passing the ownerExternalId parameter that identifies the user.

You’re done!

Testing

You don’t need to own a bank account in all banks to test your integration with Kontomatik Service.

Kontomatik Service offers mock (example) responses for all commands in all banks.

To use it, you must either:

enter “test” as first credential
mark “Test credentials” checkbox on the bank selection list - in this case you can use whatever login as the first credential. Please note this option is available only for selected clients.

For the other credentials you must use “Test123”.

In exceptional cases:

if it asks you for date, enter “00/00/0000”
if it asks you to choose picture, select “white clouds in the blue sky”

By using test credentials the session gets internally marked as a testing session and example (hardcoded) data are returned instead of connecting to banks. That being said one small request to the bank is made just to check connectivity.

Getting help

Reporting issues

Aggregating account information is tough. The specifics of how data services work in each bank, the myriad types of accounts and authentication paths, the unexpected pitfalls and tendency of bank websites to change without warning - all require special maintenance efforts that scale up in proportion to coverage.

Despite this, over the years Kontomatik quality has nicely increased.

However, errors in the operation of the application may still occur, which is normal in this case due to the circumstances described above. As a user you must be aware of this.

Before reporting a problem, please remember that:

we are automatically notified about KontoXBug exceptions; it’s not necessary to contact us in such cases, except if you want to track the progress in solving a bug or increase its priority.
always create a ticket by writing to [email protected]; never request tech support by writing in private to a staff member.
please include in your report, along with a description of the request, something to help us identify the session, such as a sessionId, commandId or even an externalOwnerId parameter.

Integration examples

The following unofficial projects offer additional help to developers looking to integrate Kontomatik API.

Kontomatik-help-kit simplifies the process of manually importing data from terminal, using curl. The kit contains a index.html page embedding the Sign-In Widget and simple shell scripts which build and submit the Http requests corresponding to the main API methods.

KontomatikServiceDemo is an example web application with a backend Kontomatik API client implemented in .NET.

Introduction

Overview

Kontomatik Demo

Permissionless innovation

Glossary

API Conventions

Get API access

Authentication

Test environment

Production environment

Switching to the production environment

SignIn Widget

Overview

Embedding the widget

Required params

Optional params

Callbacks

onSuccess callback

onError callback

onUnsupportedTarget callback

onInitialized callback

onStarted callback

onTargetSelected callback

onCredentialEntered callback

CSS styling the widget

Scope and approach

How to customize the colors?

Best practices

Provide extensive description

Make the widget a separate step in the application process

Consider making Kontomatik the primary scenario/path in your loan application process

Give users something to do while background import takes place

Use gzip encoding in your HTTP requests to download data faster

Basic API

Tutorial

Default import command

HTTP Request

Parameters

Data returned

Default import flow VS custom import flow

Command status

HTTP Request

Parameters

Data returned

Error handling

Errors caused by external factors

API integration errors

Bugs in Kontomatik

HTTP response status code >= 500

Unexpected async command failure

Errors caused by the end user

Advanced API

Tutorial

Catalog

HTTP Request

Parameters

Data returned

Import Owners (command)

HTTP Request

Parameters

Data returned

Import Accounts (command)

HTTP Request

Parameters

Data returned

Import Transactions (command)

HTTP Request

Parameters

Data returned

Extra data

Extra data for imports from Czech banks

Import Credit Cards (command)

Import Credit Card Transactions (command)

Pattern matching for credit card numbers

Sign Out (command)

HTTP Request

Parameters

HTTP Response

Cancel command

HTTP Request