README

Introduction

Psd2 is a API client for Banks supporting PSD2 APIs with Oauth2 authentication.

PHP 7.1+ is required.

Installation

Psd2 can be installed through Composer, just include "oaklabs/psd2": "^1.0" to your composer.json and run composer update or composer install.

Supported Banks

• Fidor Bank (API Documentation)

Usage

Examples will be described using the Fidor Bank Gateway, but all Bank Gateways use the same methods.

Once we use fills in his/her own Bank details in the Bank OAuth2 screen, we must handle the callback to with the state and code variables in order to retrieve the Access Token and therefore being able to use the Bank API.

The Connector class is the class that will take care of instantiate the Bank Gateway. Creating a Connector instance is the first step to use Psd2.

Sandbox

All Bank Gateways can be used in a sandbox mode, which will make the Banks hit the sandbox API endpoints to allow testing.

Retrieving the Access Token

// Let's suppose we saved the state token in a $state variable,
// the random code in $code and we have a boolean $useSandbox variable

// First of all we need to create an Authorization instance

$authorization = new \OakLabs\Psd2\Authorization\Authorization([
    'code' => $code,
    'state' => $state,
    'redirect_uri' => 'the redirect_uri your set in your Bank API configuration,
    'client_id' => 'the client_id of the bank API,
    'client_secret' => 'the client secret of the bank API'
]);

// Let's now instantiate the Bank Gateway through the Connector
$tokens = (new Connector($authorization))
    ->getBankGateway(
        'fidor',
        $useSandbox
    )
    ->retrieveTokens()
    ->getTokens();

// $tokens is now an instance of \League\OAuth2\Client\Token

$accessToken = $tokens->getToken();
$refreshToken = $tokens->getRefreshToken();
$expiration = $tokens->getExpires();
$hasExpired = $tokens->hasExpired();
$jsonSerialized = $tokens->jsonSerialize();

Retrieving the Accounts

// After we got the Access Token and we saved it in a $tokens variable
// we can interact with the Bank API

// In case of a new request, create again the Authorization instance,
// but this time we don't need state and code

$authorization = new Authorization([
    'redirect_uri' => 'the redirect_uri your set in your Bank API configuration,
    'client_id' => 'the client_id of the bank API,
    'client_secret' => 'the client secret of the bank API'
]);

$accounts = (new Connector($authorization))
    ->getBankGateway(
        'fidor',
        $useSandbox
    )
    ->setAccessToken($accessToken)
    ->getAccountDetails();

// $accounts is an array of \OakLabs\Psd2\Psd\AccountDetail

foreach ($accounts as $account) {
    // $account->getAccountNumber()
    // $account->getBic()
    // $account->getBalance()
    // $account->getBalanceAvailable()
    // $account->getCreatedAt()
    // $account->getCurrency()
    // $account->getCustomers()
    // $account->getIban()
    // $account->getId()
}

Retrieving SEPA Transactions

// After we got the Access Token and we saved it in a $tokens variable
// we can interact with the Bank API

// In case of a new request, create again the Authorization instance,
// but this time we don't need state and code

$authorization = new Authorization([
    'redirect_uri' => 'the redirect_uri your set in your Bank API configuration,
    'client_id' => 'the client_id of the bank API,
    'client_secret' => 'the client secret of the bank API'
]);

// Let's now retrieve the SEPA Transactions using the API Pagination

$transactions = (new Connector($authorization))
    ->getBankGateway(
        'fidor',
        $useSandbox
    )
    ->setAccessToken($accessToken)
    ->getSepaTransactions($page, $limit);

// $transactions is an array of \OakLabs\Psd2\Transaction

foreach ($transactions as $transaction) {
    // $transaction->getExternalUid()
    // $transaction->getAccountUid()
    // $transaction->getTransactionUid()
    // $transaction->getAmount()
    // $transaction->getIban()
    // $transaction->getBic()
    // $transaction->getDescription()
    // $transaction->getCreatedAt()
}

Creating a SEPA Transaction

// After we got the Access Token and we saved it in a $tokens variable
// we can interact with the Bank API

// In case of a new request, create again the Authorization instance,
// but this time we don't need state and code

$authorization = new Authorization([
    'redirect_uri' => 'the redirect_uri your set in your Bank API configuration,
    'client_id' => 'the client_id of the bank API,
    'client_secret' => 'the client secret of the bank API'
]);

// Let's suppose we have a $data array with the transaction we want to create
$data = [
    'external_uid' => '1234567890', // Some uid defined by us
    'account_id' => '12345', // The account_id comes from the Bank API and must be retrieved through getAccountDetails . It is NOT the account number
    'amount' => 10, // Amount of the transfer
    'remote_iban' => 'DE0000000000000000', // IBAN to transfer the money to
    'bic' => 'ABCDEFGH', // BIC
    'subject' => 'My Description' // Description
];

$transaction = (new Connector($authorization))
    ->getBankGateway(
        'fidor',
        $useSandbox
    )
    ->setAccessToken($accessToken)
    ->createSepaTransaction($data);

// Transaction is an instance of \OakLabs\Psd2\Transaction

// $transaction->getExternalUid()
// $transaction->getAccountUid()
// $transaction->getTransactionUid()
// $transaction->getAmount()
// $transaction->getIban()
// $transaction->getBic()
// $transaction->getDescription()
// $transaction->getCreatedAt()

Testing

Just call vendor/bin/phpunit tests to run the tests.

Contribution guidelines

PSD2 follows PSR-1, PSR-2 and PSR-4 PHP coding standards, and semantic versioning.

Pull requests are welcome.

License

PSD2 is free software distributed under the terms of the MIT license.