API Store Documentation V2.0
BOC now provides PSD2 and B2B APIs that are grouped into 6 high level categories:

As a prerequisite, to use any of our APIs you must first make sure that you are registered and that you have subscribed to required APIs.

PSD2 TPPs that are authorized by any European competent authority are required to use digital eIDAS certificates (QSeal, QWAC).

Get Access Token
Use this API to get an Access Token using your app Client ID and Client Secret. This token would be used in each subsequent call to authenticate your app to BOC resources. It is valid for a few minutes.

Create Subscription
Before calling any of the APIs in the Accounts and Payments API families you must ensure that you follow the ‘Create Subscription’ process. The process is essentially the BOC implementation of an OAuth 2.0 Authorization workflow which will result in the acquisition of a Subscription ID.
BOC follows OAuth 2.0 which is the industry standard for delegating authorization for accessing resources via HTTP. This enables giving access rights to services and accounts to an app without explicitly providing a password. Instead, a Subscription Id is handed to the app/service which represents the access rights for a particular resource for a prescribed amount of time.
Within banking context, this means that users have the granularity of choice in granting access to specific accounts for specific functions.

APIs called: POST Subscriptions, PATCH Subscriptions
Result: The Client acquires a Subscription ID

The client app should first call the create subscription API which will return the Subscription Id. Once we have the Subscription Id the client re-directs the user to their 1Bank login screen (browser re-direct/through application).

The user will be requested to login to 1Bank by supplying their User Name and password. Following they would then be requested to give authorization for what Accounts they would grant access and for the appropriate functionality. As part of this Authorization workflow the Client would be provided with a specific Temporary Authorization Code which is used to get an access token and then call PATCH subscription in order to activate the subscription.

The ‘Create Subscription’ process is described in the following sequence diagram:

Get Subscription Diagram

NOTE: Subscription ID is valid for 30 days For API calls you first need to get an Access Token (valid for 10mins), and along with each call you must pass the Token and SubscriptionId
Keep in mind that the Subscription ID provided is only valid for 30 days. In case the subscription expires then re-send the subscription request with the same details i.e. functions and accounts to again get the consent of the customer.

Call an API
To call an API from the Payments/Accounts family we need to have in hand a particular Subscription Id and Access Token which are used as part of the API call. The SubscriptionID is obtained as outlined in Step 1, whilst the Access Token is obtained as indicated in Step 2.

An Access Token is valid for a few minutes and you can get it using your Client ID and Client Secret. For calling APIs within the Bank Services family only a valid Access Token is required (no need for a Subscription ID).
Payments API
The registration functionality outlined above is simulated within the Sandbox environment. In order to use it you will need to register as a developer. Similarly to the API-Store, you will need to log onto the portal and register your app. You may follow by subscribing to the required APIs you wish to use. Note that an additional API is provided for simulating the API-Store signing functionality required for payments.

Payment Flow Sequence Diagram

Account API
To get Account information you need to provide the Access Token and Subscription ID.

Register an application
Through the "My Apps" menu you can register an application. When you register an application, you need to provide the OAuth redirect URI. This is a mandatory field for the login/authentication mechanism to be able to return the oauth token back to your application.

After registering the application a new screen will appear with the assigned unique client ID and client secret. You must verify the Client Secret by taking the value from the client secret in the beginning of the page.

Make a note of your client ID and client secret. These may be needed for your application to access the API. Some APIs need only the client id, while others (the ones that need to authenticate the end user first) need both the client id and client secret for the oauth end user authentication.

Your client secret will only be displayed once. If you forget or lose it, you can verify the secret to see if it's correct or reset it to get a new one. The verification screen will ask to enter the secret Id.

The credential screen will show the client Id and the option to reset the values.

Subscribe to a plan
The registered application needs to be subscribed to a plan of one or more APIs. For the first time the link to available APIs will be in the Subscription Area of the Application page.

When selecting the Available APIs, the API list screen will appear. Any API can be selected for this application.

After selecting any of the API, the subscription screen will appear in order to subscribe the API plan to the Application.

The subscribed API can be seen in the SUBSCRIPTION section of the Application.

Future Changes in the APIs:
In case of changes that affect the operability of the APIs, Bank of Cyprus Ltd will notify you via an email three months prior to the changes effect date.
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