sepa-tips.md

SEPA tips

For years, we've been using

https://github.com/ahkio/sepa

to fetch transactions from Finnish banks via Web Services to FloMembers.

As that repo's documentation is somewhat terse, here's some extra notes on how to use the repo.

Danske

For Danske, customer_id consists of 6 characters (digit + letter + 4 digits) and pin contains 4 alphanumeric characters.

How to fetch test certificate:

params = {
  bank: :danske,
  target_id: 'DABAFIHH',
  command: :get_bank_certificate,
  customer_id: '360817',
  environment: 'test',
  pin: '1234'
}

Nordea

Nordea has some special requirements for CSR format. This is the easiest way to create one:

openssl req -out signing.csr -new -newkey rsa:1024 -nodes -keyout signing.key -subj "/C=FI/CN=COMPANY NAME IN CAPITALS/serialNumber=0123456789"

10-digit serial number is the one on the WS agreement.

Security Client

If need be, Nordea Security Client (https://www.nordea.fi/en/business/our-services/mobile-online-services/web-services.html) can be used after requesting a new PIN from their phone service. The p12 key can be converted into .pem using

openssl pkcs12 -in nordea.p12 -out newfile.crt.pem -clcerts -nokeys
openssl pkcs12 -in nordea.p12 -out newfile.key.pem -nocerts -nodes