2026

This changelog contains the changes that took place in 2026 in chronological order.

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8 Jul 2026 v1.59

Deployment Date	Environment
4 Aug 2026	UAT
4 Aug 2026	Production

Modified endpoints:

• POST accounts/{account_id}/outgoing-credit-transfer - Send an outgoing payment from a customer account
• POST corporates/accounts/{corporate_account_id}/outgoing-credit-transfer - Send an outgoing payment from a customer account

  • The European Payments Council (EPC) is retiring the current unstructured/semi-structured address format in favour of a structured address format aligned with ISO 20022, effective November 15, 2026. We are updating creditor.address to match.

    What's changing

    Current field	Status	New field(s)
    line_1	replaced	building_name, street_name
    line_2	replaced	department, sub_department
    line_3	replaced	floor, room, post_box
    city	retained	city
    state	replaced	country_sub_division
    county	replaced	district_name
    postal_code	retained	postal_code
    country	retained	country
    (new)	added	town_location_name

    Required vs optional

    • New fields marked required: city, postal_code, country
    • All others remain optional.

    Example

    Before:

    { "line_1": "11, High Street", "city": "Mellieha", "postal_code": "MLH0001", "country": "MLT" }

    After:

    { "street_name": "High Street", "building_number": "11", "city": "Mellieha", "postal_code": "MLH0001", "country": "MLT" }

17 Apr 2026 v1.58

Deployment Date	Environment
4 Aug 2026	UAT
4 Aug 2026	Production

Modified endpoints:

• POST /control/spend - Add a new control spend group
• PATCH /control/spend/{id} - Update a control spend group
• Get /control/spend/{id} - Retrieves a control spend group
  • Property periodicity in the request model is deprecated.

8 Jul 2026 v1.57

Deployment Date	Environment
8 Jul 2026	UAT
22 Jul 2026	Production

Modified webhook:

• POST Payment Status
  • Add new value to the scheme property:
    • 'SEPADirectDebit' — SEPA Direct Debit are available for recurring or one-off payments across the countries participating in the Single Euro Payments Area (SEPA)
  • Add new value to the transaction_type property:
    • 'DirectDebit' — direct debit transaction type
  • Property inward_outward will be updated to optional:
    • This will affect webhooks when:
      • transaction_type is ResolutionOfInvestigation and scheme is SEPA or
      • transaction_type is DirectDebit and scheme is SEPADirectDebit or
      • transaction_type is Cancelation and scheme is SEPADirectDebit
  • Add new values to the reason_code property:
    • 'AC13' - Invalid debtor account type
    • 'AGNT' - Incorrect agent
    • 'CURR' - Incorrect currency
    • 'CUTA' - Recall due to investigation request
    • 'DNOR' - Debtor bank is not registered
    • 'ED05' - Settlement failed
    • 'FF01' - Invalid file format
    • 'MD01' - No mandate
    • 'MD02' - Missing mandatory mandate information
    • 'MD06' - Refund request by end customer
    • 'SL01' - Specific service offered by debtor agent
    • 'UPAY' - Undue payment
    • 'BE05' - Incorrect creditor identifier
  • Add new optional property settlement_date_time
    • This will be populated in webhooks when:
      • scheme is SEPADirectDebit and
      • transaction_type is DirectDebit and
      • inward_outward is Outward or null

17 Jun 2026 v1.56

Deployment Date	Environment
17 Jun 2026	UAT
17 Jun 2026	Production

Added new error code:

• 4220008
  • Error code 4220008 has been added with the message Activation is not available in the current status. This error will be returned when a customer, account, or card cannot be activated.

11 Jun 2026 v1.55

Deployment Date	Environment
12 Jun 2026	UAT
2 Jul 2026	Production

Modified endpoints:

• POST /manage/password - Change password
  • The properties current_password and new_password will have its regular expression updated to:

  ^(?!.*(.)\1{2,})(?=[A-Za-z0-9!@#$%^&*]+$)^(?=.*[a-z])(?=.*[A-Z])(?=.*[0-9])(?=.*[!@#$%^&*])(?=.{15,30}).*$
• POST /token - Retrieve a token
  • The property password will have its regular expression updated to:

  ^(?!.*(.)\1{2,})(?=[A-Za-z0-9!@#$%^&*]+$)^(?=.*[a-z])(?=.*[A-Z])(?=.*[0-9])(?=.*[!@#$%^&*])(?=.{15,30}).*$

22 May 2026 v1.54

Deployment Date	Environment
26 May 2026	UAT
26 May 2026	Production

Modified error code:

• 4000006
  • Error code 4000006 will no longer be returned. This will be replaced by error code 4220007.

Modified webhooks:

• POST User Verification Status
  • Add new value DocumentExpired to status property:
    • DocumentExpired - the document previously approved in the user verification has expired.

12 May 2026 v1.53

Deployment Date	Environment
18 May 2026	UAT
2 Jun 2026	Production

Modified webhook:

• POST User Verification Status
  • Add new values to the reject_reason list property:
    • 'BadRequest|...' — Missing or invalid request data. Additional details follow the prefix ('|').
    • 'FailedDependency|...' — A dependency failed during processing. Additional details follow the prefix ('|').

15 May 2026 v1.52

Deployment Date	Environment
20 May 2026	UAT
4 Jun 2026	Production

Modified endpoints:

• POST /customers/{customer_id}/remittance/beneficiaries - Creates a new beneficiary associated with the customer_id
  • Property line_1 in AddressExchange model will be set to a maximum of 40 characters. This will only be applicable for beneficiaries being added to vendor TransferMate.

17 Apr 2026 v1.51

Deployment Date	Environment
17 Apr 2026	UAT
17 Apr 2026	Production

Modified endpoints:

• POST /control/spend - Add a new control spend group
• PATCH /control/spend/{id} - Update a control spend group
• Get /control/spend/{id} - Retrieves a control spend group
  • A new periodicities property has been added to the request model, extending the data provided by periodicity with additional properties.

24 Mar 2026 v1.50

Deployment Date	Environment
14 Apr 2026	UAT
14 Apr 2026	Production

Modified endpoints:

• PUT /customers/{customer_id}/addresses - Update an address of a customer by customer_id
  • Properties type, line_1, city, country and postal_code will be set to mandatory in the request model.

24 Mar 2026 v1.49

Deployment Date	Environment
24 Mar 2026	UAT
24 Mar 2026	Production

Modified endpoints:

• POST /corporates - Creates a new corporate
  • Adding a new optional property parent_corporate_id in model CorporateExchange.
• PATCH /corporates/{corporate_id} - Update a corporate by corporate_id
  • Adding a new optional property parent_corporate_id in model UpdateCorporateRequest.
• GET /corporates/{corporate_id} - Retrieve corporate details by corporate_id
  • Adding a new property parent_corporate_id to the response in model CorporateExchange.

13 Feb 2026 v1.48

Deployment Date	Environment
16 Mar 2026	UAT
16 Mar 2026	Production

Modified endpoints:

• POST /customers - Create a new customer
  • Property nationality will be set to mandatory in the request model.
  • Property identifications will be set to mandatory in the request model when the customer's kyc_level is set to KYC or KYB.
  • Property addresses will be set to mandatory and must include type Home in the request model when the customer's kyc_level is set to KYC.
  • Property birth_country will be set to mandatory in the request model when the customer's kyc_level is set to KYC.
  • Property risk_profile will be set to mandatory in the request model when the customer's kyc_level is set to KYC.
• GET /customers/{customer_id} - Retrieves the details of a customer by customer_id
  • Property nationality will be set to mandatory in the response model.

13 Feb 2026 v1.47

Deployment Date	Environment
13 Feb 2026	UAT
13 Feb 2026	Production

Modified endpoints:

• POST /customers - Create a new customer
  • Property addresses updated to optional in the request model when the customer's kyc_level is set to Anonymous or SDD or KYB.
• GET /customers/{customer_id} - Retrieves the details of a customer by customer_id
  • Property addresses updated to optional in the response model.

02 Feb 2026 v1.46

Deployment Date	Environment
02 Feb 2026	UAT
02 Feb 2026	Production

Modified endpoints:

• PATCH /customers/{customer_id}/addresses - Update a customer address by customer_id
  • Address cannot be updated when all the below conditions are met
    • User verification journey for programme is enabled AND
    • Property country is being updated AND
    • Property type is 'Home'
  • Response body will contain the validation {"errors":{"Country":["'country' cannot be updated with the provided 'type'."]},"code":4000001}