Consent

At Swan, Consent is built-in. This is quite special, because other BaaS' have their clients do it themselves. Setting up consent can be a real bother...We are happy to take it off your hands.

Definition

Some operations at Swan, such as initiating a payment, are sensitive and require user consent. This is obtained by sending a notification to Swan app. The user then consents via the app.

To protect the user and comply with legal requirements, consent can be given through a Strong Customer Authentication.

Strong Customer Authentication

Strong Customer Authentication (SCA) is a requirement of the EU Revised Directive on Payment Services (PSD2) to payment service providers within the European Economic Area. The requirement ensures that electronic payments are performed with multi-factor authentication, to increase the security of electronic payments.

When a Strong Customer Authentication is necessary, when giving consent on the app, the user must enter his 6-digit security code (FaceID, TouchID, and fingerprint will replace this soon 🙂).

Workflow

If you want to perform sensitive operations by API, you must call our API while authentified with a User Access Token. Learn More.

The following mutations concern sensitive operations, and could require consent:

  • initiateCreditTransfers

  • addBeneficiary

  • addAccountMembership

  • updateAccountMembership

  • resumeAccountMembership

  • addCard

  • viewCardNumbers

  • printPhysicalCard

  • activatePhysicalCard

  • viewPhysicalCardPIN

  • resumePhysicalCard

  • addDigitalCard

Consent may also be required to retrieve new transactions if the user has not performed strong authentication in the past 90 days.

Swan's consent framework is exactly the same for all sensitive operations.

Here is the consent sequence diagram:

When consent can be requested by Swan, you must define a redirectURL in the query or mutation in question, that will be used to redirect the user once he has confirmed, refused, or withdrawn consent.

When consent is required, the API will respond with a consent object containing a consentURL. Redirecting the user to this URL will trigger a notification on the user's app and display a branded standby screen.

The standby screen can be displayed in different ways:

  • Full page. This is the easiest way.

  • Wherever you want in an iframe, in your app. This is trickier, but at Swan we believe this provides the best Ux and decided to use this for our Web banking.

Consent must be confirmed within 20 min. After this timeout, consent is no longer displayed on Swan app and the user is redirected to you via the redirectURL.

During the consent process, the standby screen gives the user the option to cancel. In this case, the consent is no longer displayed on the Swan app and the user is redirected to you via the redirectURL.

If the user has successfully consented on Swan app, the sensitive operation which initiated authentication is finalized and the user is redirected to you via the redirectURL.

As long as the user has not given their consent, you can cancel the consent request by calling the cancelConsent mutation.