Date post: | 16-Aug-2015 |
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Economy & Finance |
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API Terms & Conditions
Stefan Weiß, 13.11.2014
Fidor Developer Day 2014, London Page 1
Fidor Developer Day 2014, London Page 2
• Contract structure • 60 second API • Terms and Conditions • Pricing
Overview
Parties involved
Page 3
Bank Customer
You
Your Customer Fidor Developer Day 2014, London
Elements of Terms And Conditions
Fidor Developer Day 2014, London Page 4
Access your account via web or mobile
If you want to … You need to accept …
• User/Contact Data • Finance/Account Data • Money Transfers
Access your account via API
Standard Banking Terms When creaEng the account
Standard Developer Terms When creaEng your first applicaEon • User/Contact Data
• Finance/Account Data • Money Transfers
And there you are …
60 Second API
Fidor Developer Day 2014, London Page 5
60
In just a few seconds you can open the API door and tap the full power of your Fidor Account.
© messynessychic.com Even though we are a bank.
Usecase
Fidor Developer Day 2014, London Page 6
Affiliate Platform „We run an affiliate network and have thousands of partners.. We must make a lot of payments. Most are rather small. In addition I’d like to automatically check our account if our customers did pay.”
ü Standard API Access 60
Elements of Terms and Conditions (Additional Services)
Fidor Developer Day 2014, London Page 7
If you need …
AddiEonal banking services
You need to sign…
• SEPA Direct Debit • SEPA Mandate Management • Escrow Account Management • Licence Sheltering there’s more to come …
Service contract(s) • Modular • Packages
AddiEonal PSP services (for e-‐commerce) • Credit Card Acceptance • PayPal, Prepaid Cards, Pay-‐by-‐phone, …
AddiEonal SLAs • Support, Performance, …
Usecase
Fidor Developer Day 2014, London Page 8
Donation platform „We run a mobile app that helps people collecting money for charity projects. We created the user experience. For the money handling we needed a bank.”
ü Standard API Access ü Escrow Account & Management ü Regulative Shelter
Elements of Terms and Conditions (Additional Access Rights)
Fidor Developer Day 2014, London Page 9
If you need …
3rd Party Data Access
You need to sign …
• Access to bank customers’ data • Access to bank customers’ accounts
3rd Party Data Access Agreement ATer a thorough screening process. Including regular revisions.
Usecase
Fidor Developer Day 2014, London Page 10
Multi-banking tool „We provide tools for personal finance management. Our solution needs access to the bank accounts of our customers.”
ü Standard API Access ü 3rd Party Data Access
Developer Agreement
Content • Definition of responsibilities • Limitation of liability • Laws and regulation • Quality of your application • License Rights & Intellectual
Property • Brand policy • Privacy, Data Security • Termination
„60 Second API “ if …*) • Full KYC account (sandbox is available to everyone)
Talk to us (in advance) if ... • Need for additional services • 3rd Party Data Access • Certain business models
§ Crypto currencies § Regulated business
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60
*) additional conditions apply
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Type Setup Monthly Variable Cost Basic API usage None (!) < 10 € (~8 £) Outgoing
TransacEons
Developer Agreement
60
Fidor Developer Day 2014, London Page 13
Type Setup Monthly Variable Cost Basic API usage None (!) < 10 € (~8 £) Outgoing
TransacEons
3rd Data Access 2500 € (~2000 £) 200 € (~150 £) # of users
Developer Agreement
60
Fidor Developer Day 2014, London Page 14
Type Setup Monthly Variable Cost Basic API usage None (!) < 10 € (~8 £) Outgoing
TransacEons
3rd Data Access 2500 € (~2000 £) 200 € (~150 £) # of users
AddiEonal banking services (e.g. SEPA DD)
Service-‐specific Service-‐specific Service-‐specific (many based on TX)
Specific packages Service-‐specific Service-‐specific Service-‐specific
Developer Agreement
60
Prices may change, API Rate limits apply
Outlook: In-Account App Pricing
User Pricing Most apps will be free to install and use. In addition the following pricing models are possible: • One time fee for installing an app • Monthly fees for having an app installed • Usage fees: • per job (e.g. doing a complex calculation) • per transaction (e.g. buying and selling) – in most
cases this will be “hidden” in the buying or selling price.
App Providing Business model Standard model for App Providers • API usage fees • App Store placement fee (review) • App revenue share
Fidor Developer Day 2014, London Page 15
Service Level Agreements and Consulting
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As a banking service we provide professional IT services in terms of security, reliability and support. If you need extended support, guaranteed response times or unusual high performance we provide extra service levels.
In addition we provide business consulting, technical consulting and software development in order to make your ramp up as smooth as possible. Where is YOUR need? How can WE support you?
Fidor Developer Day 2014, London
Fidor Developer Day 2014, London Page 17
Questions? Stefan Weiß VP Standard Product Development
[email protected] @weiss2go