Getting more than 90 days of data
As part of Strong Customer Authentication (SCA) requirements under the Payment Services Directive 2 (PSD2) regulation, some banks have implemented limitations on historical data retrieval for up to 90 days in Open Banking connections. This means that after an end-user has provided initial consent and authentication for a third-party provider to access their account information, the provider can only retrieve transaction data for a maximum of 90 days. This limitation is intended to enhance the security of customer data and reduce the risk of unauthorized access to sensitive information.
Kontomatik provides a solution which supports retrieving more than 90 days of the transaction history in some banks. To enable this functionality you need to include two parameters (maxImportDate and forceSca) in the SignIn Widget. Adding them will authorize Kontomatik to show the user additional steps where he can introduce additional authentication details for an extended transaction history fetching.
These parameters are not obligatory and are provided as an additional resource in the Widget integration for clients who need an extended transaction history. By default, SCA authentication is disabled in the Kontomatik process, as it significantly reduces conversion.
To achieve a specific goal please see the table below.
| What you want to achieve | param: maxImportDate |
param: forceSca |
|---|---|---|
| Getting more than 90 days of transactions (may lower conversion rate). | Date in YYYY-MM-DD format higher than 90 days. | true |
| Getting transactions older than 90 days only from banks that don’t require additional SCA. From other banks that require SCA, you will get up to 90 days of history. | Date in YYYY-MM-DD format higher than 90 days. | false |
| Getting transactions up to 90 days old. | Date in YYYY-MM-DD format lower than 90 days. | true/false |
How to check the number of import days offered by the bank
To check the maximum number of days a given bank supports, you can refer to our document “Kontomatik Services & Coverage”. This document provides a comprehensive list of all the banks supported by Kontomatik and the maximum number of days of transaction history each bank offers.
Whenever the number is higher than 90, you should assume that the parameters mentioned above are necessary if you require an extended history. In case this information is missing from the document, please assume that the maximum number of days available is 90.
What happens if the bank doesn’t require SCA?
Strong Customer Authentication (SCA) is a security measure designed to protect against fraud and ensure that only authorized users can access sensitive information. However, not all banks require SCA for importing data. In such cases, Kontomatik widget will only use the maxImportDate parameter to specify the time period the import should contain and will proceed with the process as usual. This means that you can still use Kontomatik to import data from banks that do not require SCA, without any additional steps or complications.
